Many of us would be guilty of being influenced by our human biases, yet most of us don’t know what these actually are. Human biases are the irrational errors of human decision making and they are often more prevalent than you may think.

In recent years, ethical investing or socially responsible investing (SRI) has become increasingly popular. Driven by the growth in demand for businesses that are profitable and ethical, along with regulatory frameworks to address challenges such as climate change and modern slavery, there has never been a better time to gain exposure to ethical investments.

This is an in-depth view of what’s involved in buying a home. It answers 12 questions starting with preparing (budgeting) to borrow through to explaining interest rates and a calculation to show what portion of a loan is taken up by interest.

The dream of starting your own business often stays just that, a dream. Many people have a great start up idea but get overwhelmed when they start looking into everything that is required to take their idea and turn it into a thriving business.

This article outlines 5 tips for translating your dream into reality.

This article explains the important foundations of a strong investment portfolio based on 4 principles - quality, value, diversity and time.

We discuss Australia’s international trade agreements, with a specific focus on China and the recent friction between the two countries. We detail Australia’s reliance on China, the importance of trade as a whole, potential repercussions of a soured trade relationship and whether Australia should be looking to other markets.

In this edition of our economic update we discuss what has transpired in the months leading up to the new year. From Victoria squashing a second wave of COVID-19 infections, through to the RBA further slashing the official cash rates. It’s an economic environment like never before and this brief summary provides readers with a quick overview of the most newsworthy events.

This article focuses on business clients who need to be aware of the increasing risk of cyber-crime. It lists the most common dangers to businesses and outlines what should be included in a security policy to manage the threats. It also mentions Cyber Insurance as an adjunct to normal business insurance.

This article details the benefits of seeing a financial adviser sooner rather than later. Including utilising interest, debt reduction and protection strategies.

This article outlines how women can boost their superannuation savings despite the fact, that on average, they earn less and spend less time in the workforce then men.

This article explains how businesses can also benefit by making new year’s resolutions and includes some resolution examples to consider.

Some excellent ways to afford overseas travel.

This article uses a new version of a Christmas carol verse to introduce a discussion about the habits of spending leading up to the “silly season” and strategies to overcome New Year debt. It is the same as DEBT012 but easier to find for your Christmas newsletter.

When we get to the end of another year, we often feel the stress and events of the last 12 months weigh on us. As we head into the holiday season, the overwhelming pressure and strain of spending can take a toll. Here, we take a look at the impacts that the expense of Christmas can have on our mental health and how to enjoy the festive season without going overboard.

This article asks questions and makes points on the benefits or otherwise of establishing a home-based business. It offers guidance for your readers who are thinking that this style of work would improve their lifestyle. This article does not have a financial focus (ie. It does not mention taxation, insurance, etc).

The importance of your credit score is often forgotten until you find yourself applying for a loan. This article explains how to find your credit score and details five things you can do to improve it.

Each stage of life holds unique financial opportunities. This article takes you on a journey through five phases of life: From the magic of compounding for young adults; to saving strategies for single life; the importance of insurance for the family guy; how to supercharge your super before retirement; and finally, vital investing strategies for your golden years.

Buy now pay later services are a growing trend. This article gives some tips on keeping your BNPL spending in check and avoiding a holiday headache this silly season.

This article lists various types of scams, describes the characteristics of investment scams and how to avoid becoming a victim. This topic should be covered at least once every year as scammers are getting smarter and Australians are consistently losing millions of dollars.

Renovating can be a daunting prospect: from keeping your budget in check; to finding the right tradesman; avoiding additional hidden expenses; and attempting to replicate the results of your favourite renovation show. This article lists seven tips to help you get the biggest ‘bang’ for your renovation buck.

Investing in different asset classes such as equities, commodities, and fixed-income assets is a great way to accumulate wealth, but it is important to have a sound investment strategy in place. This article covers five warning signs that you may be gambling instead of investing.

We have all heard people say… Nothing in this world is for free and if someone tells you otherwise, walk the other way.

Can something as important as wealth planning be offered for free?

When cost becomes the primary factor in decision making and when we don't understand the true value of what we are paying, could we be missing out on something that could be one of the best decisions we could make? When it comes to working with a financial adviser, it's critically important to understand the price you pay, to know the value you receive and to understand why it's important.

A detailed article about redundancy and what to do if a client’s job no longer exists. It covers areas such as what to do about mortgages, Centrelink entitlements, how best to deal with a redundancy payment, etc.

This article details 5 ways you can benefit from current low interest rates. It lists the opportunities for householders and businesses, including borrowing to invest and business expansion, and concludes with a recommendation to speak with your financial adviser.

We all want to give our children a head start in life. This three-step article will help you to instil sound financial habits in your children by setting the foundations of good money management and savings now.

Incredibly, Australians are literally throwing away coins rather than spending or saving them. This article highlights this issue and recommends some ideas to reduce wasting money; whether it is as coins or other expensive habits. It provides a simple example of how much a small amount can grow into a substantial figure.

Mental health is an ongoing battle in society with financial stress and mortgage debt major contributing factors to poor mental health. This article lists the signs of financial stress and provides solutions to manage the stress that may stem from debt commitments.

Positioning your portfolio when markets are on the rise is easy, right? Load up on growth assets and enjoy the ride. But we all know that investing isn’t that easy. This article identifies a number of key strategies that investors should consider when markets are at their most volatile.

Pet ownership is common in Australia but few people really know how much a pet can eat into the household budget – and we’re not talking about its food. This article lays out the various costs to be considered before making a commitment to a pet.

This article explains how the now popular ‘buy now, pay later’ offers work and how to make sure they don’t create unmanageable debt. It uses a case study and recommends financial guidance to overcome debt problems.