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The banking industry is in the midst of a major transformation, and at the forefront of this change is marketplace lending. This new form of lending is deemed to be the future of banking because it enables borrowers to access financing from a variety of sources, including other individuals, rather than traditional banks.

As we start the new year, we often reflect on the past 12 months and think about our financial goals for the future. As a business owner, worker, or retiree, it’s important to think about our money goals and what we want to achieve.

In this blog post, we’ll provide tips on how to create a holiday budget and stick to it so you can enjoy the season without breaking the bank. Whether you’re looking to save money on gifts, travel, or events, we’ve got you covered.

A popular quote about money and happiness states that while money cannot directly buy happiness, it can provide the means to enjoy experiences and possessions that can bring happiness.

The hot topic at the moment seems to be about the US recession and whether it will avoid it or go into it.  But we are in Australia, so should we care?  Well, unfortunately our market sentiments are largely connected, so if the US sneezes, we catch a cold.

This article emphasizes the importance of managing credit cards and provides simple suggestions for using them as a tool for effective money management.

Australian households are among the most indebted in the world, and it is crucial to take action now to avoid losing everything. This article provides six key steps for effective debt management that will help you quickly and efficiently get your cash flow back on track.

When it comes to financial planning, many people think that they are done once they have put together a plan. However, this could not be further from the truth! A good financial plan is one that is regularly reviewed and updated.

The article explains that living paycheck to paycheck is not a desirable situation, but rather a financial emergency. It provides advice on how to break the cycle of constantly needing to rely on each paycheck to get by, through making better financial decisions and getting back on track with one’s expenses.

Protecting your information online is becoming increasingly important as cyber attacks are increasing over time, especially in the health sector. There have been many successful attacks on large businesses, universities, and even government agencies that have been victims.

Can you really become wealthy from a get-rich-quick scheme? This article addresses the many “investment opportunities”, both legal and illegal, that promise big returns over a short period of time, explaining the risks associated with each, and the importance of professional advice.  

This article provides an overview of the concept of money and currency. It covers the history of banking and money, and explains the key characteristics of money. Additionally, it discusses the evolution of money from its origins to the current day.

According to the Australian Taxation Office (ATO), poor record-keeping is a common reason for the failure of small businesses. In addition to being a legal requirement, maintaining accurate records can have numerous financial benefits.

The word “inflation” has been largely ignored by a whole generation until now. The Reserve Bank of Australia predicts that our underlying inflation will rise to around 6% in the second half of 2022. But what is inflation and how does it impact you?

The Labor’s election victory marks the end of the Coalition’s almost decade long reign. Regardless of the election outcome, the bigger question will be being able to govern effectively in a world of higher inflation and interest rates.

The tax planning is the process of arranging your affairs in such a way as to minimise your tax liability. It involves looking at both your current situation and anticipating any changes that may occur in the future.

Benjamin Franklin’s famous quote, “In this world, nothing can be said to certainly exist, except death and taxes,” is just as true today as when it was first said. The only thing that has changed over the years when it comes to taxes is the taxation law-with so many options available.

Financial planning means planning for the future. If you want to plan for the future, you should take a look at your current situation, assess and then write down what you want to do in the years to come. You can do financial planning yourself or you can do it through a financial planner.

Financial Checkup is an opportunity to review your financial situation over the past year and ensure that you are still managing your money effectively. It is a good time to take stock of your income, expenses, etc., and make any necessary adjustments to ensure that you are on track to meet your financial goals.

The Australian Small Business and Family Enterprise Ombudsman reported that the number of small and micro businesses in Australia has significantly increased in 2020. If you are considering starting a home-based business in Australia, here are some tips to help you get started.

Financial planning allows you to assess your present condition and plan for your financial future in life so you don’t make the same mistakes you made in the past. You may have more control over your finances by creating a strategic financial plan. You make money work for you rather than the other way around.

We believe that the key to prudent personal financial management planning is to conduct regular reviews of our clients’ investment and superannuation portfolios, and, of course, a review of their overall financial planning requirements. 

I’m okay paying tax, but as Kerry Packer famously said, “Of course I am minimising my tax.” And if anybody in this country doesn’t minimise their tax, they want their heads read because, as a government, I can tell you that you are not spending it that well, that we should be donating extra.”

Now that working from home is the norm, an increasing number of people are considering relocating to the countryside to enjoy the fresh air. If you’re going to uproot your entire life and relocate to a small town, there are a few things you should think about first.

Financial planning is a process. This is the reason it is often more expensive than people expect. If your super fund is providing limited free advice, they are likely conflicted and not going to suggest or compare external products.

Why is financial advice expensive? It’s because it’s a long process. This explains why it is often more expensive than customers think. Some people even assume it will be free, yet free lunches don’t exist. 

It’s never too early to begin making plans for a better financial future. Here are some tips for managing retirement savings in volatile times. Don’t panic. Things will recover over a long enough time period.

You may be on the fence about whether hiring a financial adviser makes sense for you. So, why would someone hire a financial adviser rather than manage their own money? Here are five problems that many consumers face that can be alleviated by hiring a pro.

The “protecting your super” legislation is aimed at protecting people’s super with adjustments to insurance in super, fees, and lost member accounts. Insurance inside super may be cancelled if you don’t opt in to keep it. Make sure you’re up to date on the situation and know what you should do if you’re affected. 

The holidays are over, and you’ve had a great time. But, the dreaded credit card statement has arrived, and you wonder how you’re going to pay it off. The happy holiday memories suddenly disappear. Paying off your credit card debt is hard. It takes a lot of discipline.

I have indeed made financial mistakes. I am passionate about what I do because of that. I am familiar with the struggle of living paycheck to paycheck, and I now understand how to fix it. I enjoy helping people in taking charge of their finances.