Our Blog

Understanding the 2019 low and middle-income tax offset

Peter Sa - Tuesday, July 23, 2019
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Is bad credit a total barrier to a home loan?

Peter Sa - Thursday, November 15, 2018
Your finances can get a bit out of control sometimes, for all sorts of reasons. Illness, divorce, redundancy – sometimes, just getting overwhelmed with things to do and accidentally missing a bill payment. The end result can be that you get put in the bad credit basket. Even if you sort it out and pay the overdue bills or fix up a default on a loan repayment, you can still have a black mark against your name afterwards. So while you may see yourself in the clear after clearing debt, others might not. Understandably, if you’re in that situation it can feel pretty overwhelming. So let’s tackle the ‘bad credit’ issue and help figure out where you stand. Read More...

More on the 2018 Budget

Peter Sa - Friday, May 18, 2018
Last week we brought you the headlines. This week we bring you more analysis. Read on to see how this year’s Budget will affect you. Read More...

What does this year’s Budget mean for you?

Peter Sa - Friday, May 11, 2018
This year’s federal budget contains mostly good news for our clients – as you would expect given that an election is anticipated before the next budget comes around. This is not the time for Treasurers to make life harder. ScoMo wants to be everyone’s best mate! Read More...

Negative Gearing and Shares

Peter Sa - Friday, March 16, 2018
When most people think of negative gearing, they think of property. But negative gearing can occur where borrowing is used to purchase any type asset. This article provides a worked example of negative gearing using an Exchange Traded Fund (ETF) to buy a diversified portfolio of shares. Read More...

Not all debts are the same. Even if the interest rate is.

Peter Sa - Friday, February 16, 2018
Did you know that two loans that look identical can have a radically different impact on your financial management? The difference lies in whether interest on a loan is deductible or not. Read More...

Season’s greetings from the world’s most stable economy

Peter Sa - Friday, December 15, 2017
As 2017 draws to a close, Australia continues its record-breaking run of economic growth. It is quite the gift for all of us. As our way of saying thanks for the good fortune of living here, here are some fun things to celebrate about life in Australia. Please enjoy the holiday period, and we look forward to seeing you in 2018. Read More...

100% off everything!

Peter Sa - Friday, December 01, 2017
Continuing our theme of behavioural economics, this week we look at anchoring? Anchoring is where people are tricked into thinking they have bagged a bargain. It also tricks people into selling good investments and keeping bad ones. Read More...

The best gift voucher in the world

Peter Sa - Monday, November 13, 2017
Christmas is coming you might be tempted to buy a gift voucher for someone you care about. Think twice. Gift vouchers are actually irrational. Read More...

Teaching kids how to manage money

Peter Sa - Thursday, October 26, 2017
One of the things we most enjoy is helping people manage wealth across the generations. Most of our clients are working hard to give their kids (or their grandkids) a good start in life. So it makes sense that we teach those kids how to manage their money well. Here is our guide to doing just that. Read More...