Planning is bringing the future into the present so that you can do something about it now.
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People buy new golf clubs before getting golf lessons & wonder why their game isn’t getting better.
Financial planning advice is very similar.
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We are just a few weeks away from 2021.
The Newcastle Advisors team have been preparing their predictions for the year ahead, and it’s almost time to share them with you.
How about you….What do you expect to happen next year? Do you have financial goals you are trying to achieve? Do you have a plan to take advantage of opportunities as an investor?
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I remember growing up and hearing my parents say things like;
'We can't afford that' 'Do you think money grows on trees'
Psychologically that plays with us as we get older.
It almost felt like money was only for a certain type of person & it wasn’t for everyone.
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If I could buy a building that would generate an income $100,000 per year.
Generally speaking that building would be yielding 5%.
So that means the building will cost you $2m.
Therefore, if you could earn $100,000 per year, that means you are worth $2m.
So you have an asset. Your ability to earn is your biggest asset.
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Initially, buyers would have a choice: a one-off stamp duty bill, or a relatively modest annual property tax.
The opt-in would be once only. If a buyer chose to pay property tax, their house, apartment or commercial building would forever be subject to the annual tax.
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A global pandemic and the nation's first recession in 29 years has seen Australia’s national debt blow out by 40% to $703 billion, thanks largely to the pandemic.
It seems ordinary Australian’s have taken a more prudent approach, reducing their collective credit card bill by more than $7 billion over the past year.
However, this is in contrast to the boom in 'buy now, pay later' services. But regulators are circling and consumer advocates warn that this modern day lay-by service leaves Australians at risk of spiralling into debt.
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"Help, I think my financial planner is charging me too much?"
We see this all too often.
Each month we have people coming to us for a second opinion, asking “is my financial planner charging me too much?”
To be honest, only you will understand if you are being charged too much.
As what you value from a financial planner is very personal.
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Financial planning advice for pilots
For nine months there was a degree of uncertainty.
Annual & long service leave for many has diminished & the music has stopped. The household income has stops for many aviation families.
As a pilot you are trained to make decisions based upon the best available evidence, so it is difficult to comprehend for many, with limited information and evidence available to consume.
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What does a Biden presidency mean for your investments & super?
A Biden presidency & gridlocked Congress is set to provide a stable economic environment for markets.
The gridlock has been cheered by markets as it would prevent Mr Biden's ability to push through major policy changes that could hurt corporate America.
Click on the link below to read our analysis of the implications of President Biden’s victory to markets, superannuation,
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Financial Advice for business owners.
Small business owners often have busy & complicated lives.
They are required to succeed in a variety of responsibilities from managing staff, monitoring cash flow, to developing client relationships. This may leave very little time to consider their own personal or long-term financial goals. Having a financial planner to take care of financial details can ensure you have enough cash flow to meet your personal living expenses & free you up to focus on making your business successful.
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Financial Advice for doctors & dentists.
We know, that many doctors are so focused on their patients, they simply don’t have time to think about their financial needs.
Doctors often neglect to leverage their earnings & miss opportunities to build wealth.
Or they rush into the latest tax minimising schemes without giving due consideration to the risks.
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For over 15 years Matthew McCabe has been helping people make informed, smart decisions about their retirement.
Running his own practice allows him to provide personalised, tailored financial advice to ensure people (like you) are able to retire on their terms.
Matthew understands that people need more than knowledge – they need a clear road map to a financially secure future. Furthermore, Matthew understands poor advice can result in a life of compromise & uncertainty.
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The new year is a time when we often hear others speak about their new year’s resolutions, what is your new year’s resolution?
Lose weight? Give up smoking? Give up gambling? Give up the booze? Save money? Buy a house? Or even retire?
Why not try something a little different this year & get your finances sorted in 2021.
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Get your S.H.I.T. together (Super, Home Loan, investments & taxes)
Heading into the end of the year, many are looking at getting their S.H.I.T. sorted before Christmas.
Having your finances sorted can provide you with more choices for how you live your life both now & in retirement.
There are some important steps you need to take to achieve your goals for 2021.
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Melbourne Cup Day 2020, the Reserve Bank of Australia has met today and cut official interest rates by 0.15%.
Will your bank pass on the cut?
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The airline industry has been upended by the COVID-19 pandemic.
Among those hardest-hit are pilots — a group with a unique set of skills who are now facing major career and financial choices that could affect the rest of their lives. Over the past few months, multiple airlines have offered early retirement packages to their pilots and corporate professionals.
In our conversations with pilots navigating this transition, I have found that taking a few specific steps for their finances can be incredibly helpful.
They may conclude that retiring sooner, working longer or pivoting to another role could be the best option for them, both financially and emotionally.
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Buying a home is as exciting as it is a big financial commitment. Getting prepared is the key.
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Why do I need insurance?
When you’re just starting out, life insurance may not be your first concern. Putting it off may cost you.
You may have accumulated some debt along the way. It could be a car loan, HECS debt, credit card debt or you may even have a mortgage. Selected insurance policies can help you maintain your independence if you suffer one of the insured events under those optional covers. You will be able to avoid turning to GoFundMe begging for money, turning to family and friends for money, taking out a loan, selling your home or other assets to continue paying your bills.
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Protecting your family has just become more rewarding...
We live in a world of instant gratification. Where you can order take-away, book a holiday or even find a date for Saturday night - all within a swipe and a tap on your phone.
Living in the moment is a beautiful thing. However, when it comes to financial planning, it is important to think ahead.
Life insurance puts you in control of how you want your legacy to live on. Put simply it spares your family the stress of affording funeral expenses & pay the bills after you are gone.
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