With many people now working from home because of COVID-19, some of the expenses your employer normally pays – such as electricity, heating and cooling – are now coming out of your wallet. Although some employers may provide a daily allowance to help with these additional costs, if you’re not receiving anything it’s important to…

Many Australians love sport, and as a result, we can be a bit obsessed with “averages”. Perhaps the most famous average of all is likely to be Don Bradman’s Test batting average of 99.94. For example, did you know that the mailing address for the ABC in each state is GPO Box 9994, which was…

It was a year of extremes, with shares hitting record highs and interest rates at historic lows. Yet all in all, 2019 delivered far better returns than Australian investors anticipated at the start of the year. The total return from Australian shares (capital growth and dividend income) was 24 per cent in the year to…

In the short term the market presents a world of worries, but with a well-diversified portfolio you can put your feet up and let time take care of the rest. What a difference a year makes. In recent months, Australian shares hit a record high, the Aussie dollar dipped to levels not seen since the…

In my initial meeting with a client I regularly ask the question, “what is your biggest financial asset?”. 9 out of 10 clients will answer “my house”, or if they don’t have a house, their answer will be “my car”. I then complete a quick calculation on the whiteboard with them: current salary multiplied by…

There is a lot of attention lately around the affordability of housing and the fact that the current generation struggle to “get into the market”. The major reason most put it down to is property prices rising consistently while incomes have not followed the same trajectory over a long period of time. To illustrate, let’s…

Investing plays a key role in building financial security but don’t be sucked in by promises to get rich quick. Australians collectively lost $4.3 million each month to investment scams. The latest report by Scamwatch shows that so far in 2018, more than $26 million has been siphoned off by crooks in investment scams –…

In the years since our inception, we have grown not only our business but our Stonehouse family, which includes both team members and clients. Our industry has seen many changes through this time, and experience shows that it will continue to change going forward. However, the one thing that remains constant is that we truly…

After reading through the Government’s 2018 Budget, one could be forgiven for thinking there just might be an election in the wind. There is something for almost everyone. However, there are also some carrots dangling from the stick that won’t come into play for some years – part of a longer-term strategic play by the…

From 1 July 2018, retirees will be eligible to make superannuation ‘downsizer’ contributions. This new super measure became law on 13 December 2017 and will allow an individual aged 65 and over to use the proceeds in relation to one sale of their main residence to make ‘downsizer’ contributions of up to $300,000 (or $600,000…

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