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CATEGORIES
Private Wealth

The 5 D’s of Financial Profiling

James Mousa

How is life going for you right now? Are you killing bosses, clocking games and smashing high scores – or are things a bit of a hot mess right now?! Head to our Resources page to do a short

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Private Wealth

The Drowner

James Mousa

Another of the 5 D’s you could be is a Drowner. Check out the traits of a drowner below. Positive Traits: Cautious – Concerned – Desires order – Seeks help The good news

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Private Wealth

The Doubter

James Mousa

Another one of our 5 D’s is the Doubter. Positive Traits: Intelligent – Independent – Resourceful – Cautious The ‘Doubter’ take things… in house. They

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Private Wealth

The Denier

James Mousa

The next of our 5 D’s profiles is the Denier. Positive Traits: Enthusiastic – Outgoing – Sociable – Busy! Too young, too fun, too busy, got nothing, got too much… to

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INSURANCE
Insurance

Who can/should own the policies?

James Mousa

When you’re making the decision as to how to structure the policies in your Buy/Sell Agreement, there are many considerations that you should seek professional advice on. You should take the time

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Insurance

Tax considerations

James Mousa

Premiums for insurance used to fund buy/sell agreements are generally not tax deductible, unless it is held by a superannuation fund. It is also possible that Capital gains tax (CGT) may also

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Insurance

How is my business valued?

James Mousa

When devising a Buy/Sell agreement, it is important to consider how the business could/should be valued at the time of your trigger event (Death, illness or injury)   There may be several

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Insurance

What is an Insurance Bond?

James Mousa

Insurance Bonds are a form of managed fund operated by life insurance companies and friendly societies. An insurance or investment bond (referred to as a bond) is essentially a life insurance

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ESTATE
PLANNING
Estate Planning

What is a Will and why do I need one?

James Mousa

Most people think that a Will is something that ‘old people’ should get, that it’s a complicated document full of legal speak to say what happens to your cat, or your favourite Monopoly set when

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Estate Planning

What happens to my super when I die?

James Mousa

When Superannuation is the asset in question on your death, it generally does not form a part of your estate, unless you specifically nominate that your death benefit is paid to your estate. This

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Estate Planning

What happens if you die without a Will?

James Mousa

When you die without a Will, the Will cannot be found, or the Will is invalid, you are said to have died intestate. If you do not have a Will, one of your beneficiaries would apply for Letters of

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LIVE WELL
EDUCATION
Education

State School Catchment Areas

Rhianne Rees

If you’re looking to send your child to any of the nation’s fantastic state schools, it is important to enrol your child as early as possible as state school do have capacity limits.

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Education

What is NAPLAN?

Rhianne Rees

NAPLAN is an acronym for the National Assessment Program – Literacy and Numeracy intended for students in years 3,5,7 and 9 from all state and non-state schools. It assesses the students in

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Education

4 common NAPLAN myths

Rhianne Rees

NAPLAN is an acronym for National Assessment Program – Literacy and Numeracy and assesses all Australian children in grades 3, 5, 7, 9. Here are some myths and why they are inaccurate.

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Education

What is Early Start?

Rhianne Rees

Early Start is a program used to track progress in the early years of schooling. Those first years of school from prep to grade 2 are so formative it is essential that young children start

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Education

Matching your skills to your job.

Rhianne Rees

With so many jobs available it is often a daunting process trying to find a job that suits you. Most people will change jobs multiple times before they retire so it’s a good idea to find a job

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TRAVEL
Travel

What is Smart Traveler?

Rhianne Rees

Smart Traveler is a government website that is used to keep track of those travelling overseas. It allows you to register your travel plans so that if anything were to happen while on your trip,

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Travel

The importance of travel insurance.

Rhianne Rees

Having the right level and type of travel insurance is critical when travelling overseas. Travel insurance can provide you with cover for medical expenses whilst overseas. The medical attention

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Travel

What is an Exchange Rate?

Rhianne Rees

An Exchange rate is a comparison of the price of a nation’s currency in relation to another nation’s currency. An exchange rate has two components, one being the domestic currency and the

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Travel

Staying safe while travelling.

Rhianne Rees

Smart Traveler has some great tips when it comes to travelling overseas. Some of these include, arranging transfers to and from the airport rather than catching transport. If you do decide to

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Travel

Travelling for Schoolies

Rhianne Rees

After 17 years of formal schooling – the lure of a week of partying can be almost too much! In the past, what has started as a great time has turned to tragedy as common sense gets lost in

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Travel

Tips for travelling with Children

Rhianne Rees

When travelling with kids it is important to minimise the amount of bags that you will need to carry so that you have hands free to carry or control your child. This also means that you are at

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REAL
ESTATE
PRIVATE
WEALTH
Private Wealth

Superannuation dependents

James Mousa

Under superannuation legislation a dependant includes the following: Dependants Description   Spouse Husband, wife or defacto spouse(including same-sex) Child Child of any age Financial

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Private Wealth

Superannuation payments

James Mousa

The following table summarises how superannuation is paid when you die.   Phase Lump sum Income stream Dependant Non dependant Estate Dependant Non-dependant Estate Accumulation  Yes   Yes

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BETTER
BUSINESS
Insurance

How is my business valued?

James Mousa

When devising a Buy/Sell agreement, it is important to consider how the business could/should be valued at the time of your trigger event (Death, illness or injury)   There may be several

Read MoreWatch More
Insurance

Tax considerations

James Mousa

Premiums for insurance used to fund buy/sell agreements are generally not tax deductible, unless it is held by a superannuation fund. It is also possible that Capital gains tax (CGT) may also

Read MoreWatch More
Insurance

Who can/should own the policies?

James Mousa

When you’re making the decision as to how to structure the policies in your Buy/Sell Agreement, there are many considerations that you should seek professional advice on. You should take the time

Read MoreWatch More
CRISIS
MANAGEMENT
Crisis Management

Ways to manage an overdose

Rhianne Rees

In a suspected overdose IMMEDIATELY contact (000) Triple 0. This information is sourced directly from the Queensland health overdose fact sheet. With illegal drugs so prevalent in society it is

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Crisis Management

What do I do if my friend is suicidal?

Rhianne Rees

This information is sourced directly from the Life Line website – for more information please review this Life Line Helping Someone at Risk of Suicide Kit If you think that someone you know

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Crisis Management

What to do after a fire has passed

Rhianne Rees

Once it is safe to go outside, check for spot fires or embers both inside and outside of your home. Queensland government’s website suggests checking in roof spaces, under the house and in garden

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Crisis Management

Being prepared for bushfires

Rhianne Rees

This information can be found on the Queensland Government Rural Fire Service website. When planning for bush fire season it is important to ensure that you remove excess combustible material

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Crisis Management

How to manage a flood disaster.

Rhianne Rees

Queensland governments “if its flooded forget it” campaign 29% of people said that they would risk driving through flood waters. This is a whopping statistic given the dangers of flood waters.

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