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The out of pocket burden

• Whilst Medicare is universal, and can cover hospital, medical and pharmaceutical benefits, more than 11 million Australians choose to ‘supplement’ their healthcare funding with private hospital cover and around 13 million had private ancillary cover2 • Notwithstanding the interaction between Medicare and private cover, the individual is often left with a ‘gap’ between the…

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Federal Budget

How will the Federal Budget affect you? This year’s Federal Budget is an ‘election budget’ with future tax cuts for all Australians, especially low and middle income earners. Overall, there were minimal changes to super proposed in the Budget, with minor changes to super contributions for older Australians. We’ve summarised some of the key points…

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Cashflow: Keeping top tips top of mind

We all like a good cost saving tip, even if it is something we already know, it never hurts to revisit some top tips and take a look at our current situation to see if there are savings to be made. Any little savings we make throughout the year can be diverted to a bigger…

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Prune, adapt and budget: Managing the rising cost of living

If you’re organised with your finances, the high cost of living doesn’t have to mean diminished savings. The increasing cost of goods and services – from food and housing to transport and utilities – is a reality most Australians have to face every day. Data from the Australian Bureau of Statistics (ABS) shows that living…

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Market Wrap

February 2019 A mixed bag After January’s bounce, February was a little quieter but still ended in positive territory, with global shares up by 3.4% and 5.6% in hedged and unhedged terms respectively. US shares similarly were up 3%, a more modest rise than January’s 7.9% rally, which was driven by a better-than-expected US reporting…

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My 5 tips…..for using a mortgage broker

Jonathan Ekehov from Eko Finance and Home Loans writes There are lots of good reasons why more than half of Australians now use a broker to secure a home loan. Here are my top 5. 1. Probably the most important one that is we work for you, not the banks. We work with multiple lenders, not…

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Smart ways to financially get ahead in your 40’s

In your 40’s and still not financially secure? Don’t fret. You can still catch up. Being in your 40’s often involves balancing different priorities. For example, you may need to care for your ageing parents, grow your career or business, and if you’re a parent, support your children. With all these responsibilities, it’s easy to…

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Insurance: Get insurance while you’re still bulletproof

According to research by TAL insurance provider the cost of personal insurance soars after the age of 35. This is also the time in our lives that you may be going through significant change such as marriage, children, a bigger mortgage and more responsibilities. In the previous 5 years to 2017, TAL paid out insurance…

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Market Wrap

Shares rebound January was a more positive month for investors after December’s volatility, with shares recovering most of their late 2018 losses. Global shares rose by 7.1% and 4.1% in hedged and unhedged terms respectively. US shares, having led December’s decline, performed strongly, ending the month up 7.9%. They were boosted by the US Federal…

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Take control of your retirement

Are you affected by the increase in the Age Pension’s qualifying age? Take steps now to avoid getting caught short on retirement income. The minimum age to qualify for the Age Pension has started going up. For those born on or after 1 July 1952, the qualifying age increases by six months every two years…

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