Reflection

All about TPD

Total and permanent disability (TPD) insurance is one of the most important life insurances around. As the name implies, TPD insurance pays you a benefit if you become ill or injured and cannot continue working as you did prior to the illness or injury.

Credit Cards: What’s good about them?

Credit cards can be extremely convenient, especially when you pay them off in full each month and never incur interest. Here are some of the ways that credit cards can make life easier.

Why is Capital Gains Tax the ‘Happy Tax’?

What would you think if we told you that there is a special type of tax that people are always happy to pay? Would you think we had dropped the ball? You shouldn’t. Read on…

Long term thinking leads to serenity

Growth markets can be very risky in the short-term. But if you let time work for you, this risk can fall away dramatically for a long-term investor.

What’s All This About Utmost Good Faith?

An insurer and the policyholder must be honest with each other. It is the very basis of the insurance contract. Full disclosure - or the duty of utmost good faith - is so important that it is even enshrined in legislation.

Franking credits

The franking credit system is necessarily complex. But the idea underlying it is quite a simple one. A company’s profits are taxed at the applicable tax rate of each of its shareholders. This article explains exactly how.

Extra help when a child is disabled

Disabled children are treated as adults for tax purposes even if under age 18. This means that they can receive distributions of net income from family trusts and hybrid trusts. This income is taxed normally, rather than under the penalty tax arrangements that usually apply to the unearned income of minors. It can mean that the family pays much less tax.

A life well lived

Too many people look back on their life with regrets. Far from being morbid, realising that our death is inevitable can inspire us to live a better life today.

What happens to your super when you don’t need it any more?

Superannuation benefits are not automatically subject to your will. That means the trustees may not send the money where you want it to go when you die. But there is a solution! Read on.

Dollar Cost Averaging

Dividing an investment up into smaller amounts that are invested at different points in time can be an effective way to manage the timing risk inherent in the sharemarket. This practice is known as dollar cost averaging and this article explains all about it.