Articles
The new iWatch concept – valuable?
If this were the new gadget for 2014, would you buy it? If you are in small business, How would it change the way you do business? iWatch Concept from Todd Hamilton on Vimeo.
SMSF Insurance – Don’t get fined!
With almost 500,000 Self Managed Super Funds (SMSF) being set up in Australia, there is an increased concern within government and industry that some clients may not know the extent to which they need to be compliant. One area in particular that is of concern is that of adequate protection within your SMSF. When moving […]
Life insurance and step children
There are more and more blended families in Australia. Superannuation is generally not of concern within this family category, but there is one cause for concern which needs to be considered when looking at life insurance inside of super. In most cases, a step child will be considered a “child” for SIS purposes and can […]
What is a buyers agent?
What is a buyers agent? And why would you use one for property investment? When looking for an investment property, there are SO many people willing to show you how to ‘make it’ in property investment. Whilst most of them are genuinely looking after your best interests, you always need to follow the money trail […]
Australian Super increasing insurance premiums by 38%!
Well, it’s true. From little things, big things grow. This week was no exception to that campaign when Australian Super announced they are increasing their industry funds insurance premium rates by a whopping 38% for Life and TPD insurance, and a further 25% increase on Salary Continuance (Income Protection) rates. Australian Super has always talked […]
Small Business Company tax rate out the window
We knew that the Labor Party wouldn’t be putting their hands up to help small business, but we now learn that the Libs wont be doing anything better, axing their plans to reduce the company tax rate. Opposition Leader Tony Abbott has consistently said he would fund a $3.3 billion parental leave scheme by raising […]
Do you have a Self Managed Super Fund ?
Are you a member of a Self Managed Superannuation Fund (SMSF)? Do you know someone who is? Read on as the rules relating to SMSFs and insurance have changed and it may be time to seek professional insurance advice. SMSFs are the fastest growing sector within the superannuation industry with fund numbers approaching 500,000* in […]
Access your super early – what you need to know
We receive various requests regarding superannuation, and many are in the area of release of superannuation. We wouldn’t suggest you go down this route of trying to access your super early, but if you must, there are a few criteria you will need to meet in order to make this option viable. It’s not an […]
3 Life Insurance lessons from Lance Armstrong
We sometimes hear form clients and commentators that ‘insurers always want to get out of paying’, and ‘they never pay out’, etc. Whilst this may be a popular form of belief, it is completely unfounded. I am by no means an Life Insurance company sympathiser, but I do have a problem when things are spoken […]
Business Partnership Insurance
If you are in a partnership in your business, you need to consider protecting your ‘other half’ so to speak. What happens when your business partner is no longer able to work in the business? Do you have the money to buy out their share of the business? Will your creditors continue working with you […]