Mobile Phone Bill

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Recently we almost halved our mobile phone bill.  You could too! Choice magazine have released a report saying that Telstra’s bout of outages meant that they could no longer justify their premium pricing.  They even were arguing you should go to them and ask to be able to break your contract without penalties on that basis.  It was advocating people …

Frequent Flyers

Frequent Flyers

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Frequent flyer points.  Do you have them or use them?  For some people, they are pretty important.  There is a whole sub-culture out there, devoted to getting and using points. Is it Worth It? The first thing you should examine is, is it worth trying to get lots of frequent flyer points.  After all, we are also now in a …

What Are Independent Financial Planners?

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What is an independent financial planner? Wealth On Track has its own licence, and so is not aligned with any bank or product manufacturer.  Also we are a fee of service business.  Many clients come to us for that reason. In Australia the legislation has put quite strict definitions around who can use the term ‘independent’. This is covered in …

Brexit The Good Bits

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As you are probably aware now, last week the United Kingdom (‘UK’) voted to leave the European Union (‘EU’). This has caused a lot of volatility in markets. Today, two ratings agencies have downgraded the UK’s credit rating from AAA to AA. So Australia now has a better credit rating than the UK – we’re still (for now) AAA rated. …

5 Ways to Keep Your Aged Pension

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On 1 January 2017, the Assets Test for the Aged Pension is changing. For example couple homeowners with assessable assets of more than $823,000 will lose their Pension (the old maximum is $1,156,500). These people will also lose the ‘grandfathering’ status of pre 1 January 2015 Account Based Pensions which were also not deemed for the Income Test. For many …

Brexit Trump

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One of my favourite shows is Quest Means Business. Hosted by BBC trained Richard Quest, but normally hosted in New York city, he applies a certain British sensibility to financial matters globally. Right now, he is travelling the UK in a Bedford campervan. The latter was built in the 1970s. This was the time when the UK voted to join …

Investment Bonds

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My New Favourite Thing is investment bonds. Why? The last Federal budget has now put limits on how much we can put into super. So where can we put surplus cash now? Investment bonds. They are also called insurance bonds. Investment bonds actually pre-date superannuation, and before super arrived they were much more popular. So much so that quite a …

Women’s Seminar with SunSuper

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Last week Glenys spoke at a special seminar for women members of SunSuper. The ladies who attended Glenys’ presentation were very engaged and moved by Glenys’ personal stories. There were quite a few questions about trauma cover – something that they can’t get via their super fund, and yet such an important cover to have. This is because it can …