Tips for Avoiding End-of-Year Debt
The holidays are a wonderful time of year but with them comes so many expectations and potential obligations that it’s important to consider the cost and make a plan.
According to Finders, Aussies totalled over $29 billion in credit card debt in December 2017. It seems CRAZY and yes, it’s a massive number but with all of the ads and pressures we sometimes feel, it can be easy to lose track of our spending this time of year. Holiday parties, travel, decorations and gifts are just a few of the things that start to accumulate and can turn into unnecessary stress but, it IS avoidable and you CAN set yourself up to start 2019 strong.
Have you thought about your DREAMS lately?
We all have dreams, some are bigger than others. Sometimes dreams may not come until later in life, sometimes dreams die for one reason or another, and sometimes they are so contagious, we must stop at nothing to see them come to life.
Whatever phase of life you may be in right now, know that it is exactly where you are meant to be. Daily life may feel boring and ordinary but ordinary moments can lead to extraordinary ones. It’s always about taking steps forward, being consistent, and learning new things.
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Have you considered appointing a Facebook ‘Legacy Contact’?
We often think about what happens to our physical possessions in the form of a will but have you considered what happens to your digital possessions? One way you can make a plan for your digital presence is to utilise a feature on Facebook called a ‘Legacy Contact’. So, what IS a Legacy Contact and why should you have one?
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Updating your Will
One of the most important factors when protecting your family is ensuring you have an up-to-date Will. Not only does life evolve, but there are some circumstances in which your Will might be revoked or ineffective and you will need to prepare a new one.
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Protect Your Kids By Securing Their Device
Hands up if you have a kid with access to a device! With so much access to everything at their fingertips, it can be hard to know what your kids are seeing and doing. So, if you want a little peace of mind, there are a few things you can do before they start swiping and scrolling away. Whether your kids have an Android or an Apple device, take a moment to get to know their device so you are better equipped to monitor their activity. Enabling specific restrictions doesn’t limit them from the benefits of their devices, it just allows them to use them more safely (and gives YOU a little peace of mind).
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You NEED A Will: Blended Families
There is no “one size fits all” solution when it comes to estate planning because the dynamics and needs within families evolve and change over time.
Recently, we met with a client who was concerned about providing for their current partner and their children from a previous relationship. Our client wanted to make sure their children received a benefit whilst also protecting their current partner from any conflict or claim against them.
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You NEED A Will: Directors and Shareholders
We often meet clients who do not realise the importance of estate planning where they are involved in a private company as a director and/or shareholder.
Recently, we met with a client to prepare their Will, they were ready to tell us about their intentions for their assets and children. However, when we tried to discuss their business succession, they had not thought about it or reviewed their company constitution and trust deeds to see if they provided any options.
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What to do if an Airbnb host cancels your booking
Booking a holiday soon? Airbnb can be a great option whether booking an entire home or just a room, but there is always a chance your booking could get cancelled; in fact, it is the TOP complaint on their website.
Frustrating and inconvenient as it might be, you have two options…
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Productivity Hacks – A few ways you can work smarter right now
tick off all the things on your to-do list.
We can all benefit from finding ways to become more productive in our lives; especially those of you starting or running a small business. We are passionate about the power of small business in the community and hope these tips help can you to work smarter so you can get more done.
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Beware: Advice from Gumtree ‘lawyers’ could have you barking up the wrong tree!
Would you take legal advice from a “lawyer” offering his/her services through a Gumtree ad?
The situation seems laughable, but a recent case dealt with an uncertified lay-advocate who had offering advice and services on Gumtree under the guise he was a certified legal practitioner.
The Western Australian Supreme Court decision in Van Der Feltz v Legal Practice Board (2017) resulted in the arm-chair expert being slapped with a $20,000 fine!
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