The Good Advice Blog

The good advice blog offers you the opportunity to get a feel for the kind of financial advice business we are at Financial Services Partners. We’ll cover everything from our company events, through to topical articles of interest, and the latest news announcements as they unfold, such as changes to interest rates and legislative reforms. We aim to provide content and ideas that get you thinking about how issues in the financial landscape may impact upon you. Of course, the information that we provide here is either factual information or general advice only and does not consider your personal financial needs or objectives.

Should you require personal financial advice, we recommend that you speak to one of our financial advisers who will be able to understand your specific needs and provide tailored strategies and advice recommendations to you in writing. We can also match you with a Financial Services Partners Adviser based on your needs.

Happy reading!


Positive Power: it’s all in the attitude

It has been said that when you can’t change a situation, you can always change your attitude about the situation. Think of people you know who are positive about most things: Aren’t they a pleasure to be around?

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Succession Planning

The year is fast slipping away and we have said goodbye to another summer. But with much of the year still left to enjoy, now is a good time for reflection as the reality is that many Australian families will be touched by tragedy or hardship this year. The national road toll over the 2012 Christmas and New Year period was 501. Bushfires raged throughout the country in the second week of January and floods brought devastation to many families in February.

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Jargon Juggernaut

An SMSF is a superannuation fund that can be controlled and managed by the individual. Anyone who chooses to manage their own SMSF must do so in accordance with the law and ensure they are aware of legislative changes as and when they occur.

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Positioning your portfolio in a changing environment

2012 was yet another uncertain year for the global economy with modest returns across all asset classes. The year ahead is showing some more hopeful signs from which investors can benefit if they follow the right strategy.

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Happy Australia Day

Ahhh Australia Day. A time that conjures up images of barbecues picnics, fireworks, more Australian flag paraphernalia than one thought possible and of course, that all important public holiday after which, the end of the holiday period really hits us and we are back in to the full swing of our working week, looking anxiously forward to the next public holiday, Easter.

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Choosing the right personal insurance

We all start the year with great intentions. So many new year goals to aspire to, goals we generally stick to for a month, three months if we are really committed, then the year gets busy and life takes over and the goals we set in January fall by the wayside. This year, how about getting your goals set and complete within that first, motivated month? If you only do one thing this year, check that your personal insurance cover is in place, and is correct for where you are at this stage of your life. With suitable advice and the right insurance policy in place, you could save yourself time, effort and energy should an unexpected event occur this year.

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8 Tips to beat your midlife crisis

Men and women alike, we all go through it at some point – the mid life crisis! But how do we beat it?

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Silly season to serious saving

Christmas only comes once a year but when it does our bank accounts certainly feel the wrath of the season. With many of us using our credit cards for our gift purchases, wining & dining we all too soon feel the New Year sting with the silly season bill. So how do we go from serious spending to serious saving?

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How to put the Super back into your Super Fund

If you have ever wanted a good reason to be more proactive about managing your super, here it is…

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Spend vs invest – striking the right balance

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Income protection for business owners

As any business owner would tell you – it’s tough  building your own business. You work exceptionally  hard amongst some other 2.13 million businesses  trading in Australia 1 , years of blood, sweat and tears poured in to your work so that you will own  a successful business that funds your lifestyle now and  will one day fund your retirement.

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Let me enjoy my retirement!

At some point in our lives, preferably sooner rather than later, we will stop working and start digging in to our hard-earned and hopefully well-saved retirement savings which includes superannuation. Saving for retirement is always a topical, widely discussed issue, and we all want to know will I have enough? What strategies could I consider that might boost my super?

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Are you a financial warrior or worrier?

In my group when it comes to friends and money I split them off in to two categories. They are either a financial warrior or a financial worrier. Either they feel financially confident and free or they feel out of control and disempowered.

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5 reasons why you are not flying business class

Have you ever been at the airport waiting to board your flight, watching business class passengers get on first with their own express lane to check in? Or have you been ushered to your seat by the air-hostess via the business class section just to highlight what you are missing? If you have ever wanted to fly business class once in your life, then this article is for you. Here are the top 5 reasons why you probably aren’t flying business class and tips on how to make that dream a reality.

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Planning for when you’re no longer around

What arrangements do you have in place if you pass away? While most of us like to imagine we’ll live to a ripe old age, life doesn’t always turn out the way we hope.

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Market commentary

Employment figures were once again an indicative measure of economic activity in Australia. Domestic employment showed a loss of 8,800 positions in August. In contrast, there was a fall in the unemployment rate from 5.2% to 5.1%, primarily in response to the participation rate dropping to 65.0%; its lowest level since November 2006.

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Because you never stop looking after them

Whether you have a partner or children or both, the nature of living in different close relationships means supporting each other emotionally and practically, which usually requires money.

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Self Managed Super Funds – doing it for yourself?

Hundreds of thousands of Australians are attracted to the idea of managing their own super fund in a Self Managed SuperFund (SMSF).

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Take control of your super situation

Daily life is busy and, with retirement years away for many of us, it’s tempting for our superannuation to be out of sight and out of mind. The ‘I’ll get to that later’ mentality. But time flies, and being even just a bit proactive with your super now, could significantly enhance your lifestyle later.

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Your Monthly Update

At this time of year, many of us start thinking about packing away our winter wares and getting the house in order for Spring. Just as we focus our attention on a Spring clean at home, it is a good time of year to review your finances and consider if you are making the most of every opportunity to leverage your financial plan. In this edition of Keeping in Touch we look at the value of good advice and how it could positively impact your life – whatever your financial planning goal may be.

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Let’s talk savings plans!

Many Australians observe Father’s Day on the first Sunday of September which this year fell on Sunday 2 September. We hope you enjoyed the celebration and spent the day with family and loved ones. As a parent, you would know from your own experience the cost of raising children from birth through to adulthood is significant and quite overwhelming!

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Financial year end – an opportunity to regroup!

End of financial year provides the perfect opportunity to take stock. A time to look at the funds you’ve managed to earn throughout the previous year and the plans you have for the coming year. Like a new calendar year, financial year end can mean a new beginning for your financial plans and objectives.

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Curbing the carbon tax

Last month, the Treasurer handed down the 2012/13 Federal Budget in Parliament. The cornerstone of the Budget this year appears to be about the carbon tax, and in turn, helping households deal with the cost increases associated with this tax. In this edition of Keeping in touch, we wanted to look at the carbon tax as well as bring you up to date with the new Household Assistance Package recently announced by the Federal Government in its latest Budget proposals and the ways it can financially assist Australian households.

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We’re heading for a $1.5 billion surplus, but at what cost?

On Tuesday evening the 8th of May, the Treasurer handed down the 2012/13 Federal Budget in Parliament. The lead up to this event has been mixed. Some economists have suggested that the Government’s desire to bring the budget back to a surplus is overzealous, especially at a time where many businesses are going through redundancies, Europe remains uncertain and the Australian dollar is high. Other economists however, argue that Australia should be seeking to secure its position, given the ongoing issues facing Europe and the continued growth in Asia.

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Inflation and your changing world

Societies have changed dramatically since the Industrial Age, and are changing just as fast in the new Infotronics Age that we are presently living in. A century ago, we spent over 60% of our gross income on goods, bought mainly from retail stores.  Now barely more than 20%  of our incomes are spent on the same items. In this edition of Keeping in touch, we’ve decided to take a closer look at the impact of inflation on the cost of living and investment.

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When it’s a matter of Trust

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The interest rate divide

Interest is simply the cost of money. And speaking of interest, it’s been an interesting month for the big four banks in regard to interest rates. On the 7 February 2012, the Reserve Bank of Australia (RBA) announced that it would be keeping official interest rates on hold at 4.25%. However, shortly afterwards each of the big four banks announced they would be raising interest rates on some of their products which seemed to be breaking with the tradition of keeping pace with the Reserve Bank and what they set the cost of money at.

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“And the winner is…”

It’s the one night of the year that’s welcomed with great anticipation. As the much coveted event rolls around each year, each of the nominees wait with bated breath, hoping for their name to be read aloud on the golden microphone. No matter where you’re sitting in the room, you can’t help but feel the nervous excitement which builds as the Master of Ceremonies takes to the stage, signalling the commencement of the awards presentation

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Rating the world’s economies – it’s a tricky business

Happy new year. It’s hard to believe that the first month of 2012 is over and we trust you had a safe and enjoyable break. Over the holiday break we saw the media talking about the ‘downgrading’ of country credit ratings. Announcements like this certainly make for an attention grabbing headline and can cause investor stress and uncertainty. So we thought it worthwhile to take a closer look at what country credit ratings are.

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The Good Advice Blog

The good advice blog offers you the opportunity to get a feel for the kind of financial advice business we are at Financial Services Partners. We’ll cover everything from our company events, through to topical articles of interest, and the latest news announcements as they unfold, such as changes to interest rates and legislative reforms. We aim to provide content and ideas that get you thinking about how issues in the financial landscape may impact upon you. Of course, the information that we provide here is either factual information or general advice only and does not consider your personal financial needs or objectives.

Continue reading

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