When you salary sacrifice to superannuation, you and your employer agree to earmark a portion of your salary for your employer to contribute to your super fund. This will reduce your take home pay, but it will also decrease your tax so you may not “miss out” on as...

Self-Managed Super Funds are among the fastest growing superannuation vehicles in Australia and they’re not just for older investors – investment savvy Y-Genners are catching on. The Australian Taxation Office (ATO) reports that greater numbers of people below the age...

A popular series of books originally published over a twenty-year period was the ‘Choose Your Own Adventure’ series. As the name suggested, the reader could actually decide what the characters did at key moments in the story. They could choose (to a certain extent)...

Most modern mortgages come with a redraw facility and a mortgage offset account.   With a redraw facility you can make additional payments to reduce the outstanding balance of your mortgage, which in turn reduces the amount of interest you pay. However, those...

A popular series of books originally published over a twenty-year period was the ‘Choose Your Own Adventure’ series. As the name suggested, the reader could actually decide what the characters did at key moments in the story. They could choose (to a...