Financial Planning Sarah Haines Financial Planning Sarah Haines

Strategies for long-term investing

Given the inherent volatility of security prices in capital markets, it is useful to remind ourselves of strategies that investors can utilise to meet their investment goals.

This is important when constructing and positioning a diversified portfolio of assets, a challenge that most financial advisers face daily.

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Sarah Haines Sarah Haines

Buy or rent your room in Aged Care

Think you can’t afford aged care? Advice on your options can help to understand what is affordable and how to best structure your finances.

When you move into residential aged care, the room price might be quoted as a lump sum, but you will have the choice to pay for your room as a lump sum or a daily fee or a combination.

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Sarah Haines Sarah Haines

Do you have an Aged Care plan in place?

We plan ahead for many aspects of our lives, but few people plan for future aged care needs. Now is the time to change that trend.

The truth is, most of us avoid thinking about our own future aged care needs, delaying our decisions until perhaps they’re taken out of our hands.

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Sarah Haines Sarah Haines

How to spot and stop financial abuse

Until recently, financial abuse was often kept secret, especially where it occurred within the family. Thankfully that’s changing with public awareness campaigns and help becoming more readily available.

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Sarah Haines Sarah Haines

Catching the kindness bug

Australians have seen more than their share of tough times over the past few years and there are many stories of how individuals and communities responded to natural disasters and the pandemic with empathy and valuable assistance.

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Sarah Haines Sarah Haines

Getting the balance right in decision making

We all approach decision making in our own way, making a multitude of decisions every day: ‘Should I hit snooze again on the alarm?,’ 'Do I take the train to work, or do I drive,’ ‘What should we have for dinner?’

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Sarah Haines Sarah Haines

Guide to concession cards for seniors

The excitement of heading towards retirement and a new stage of life can be tinged with concern over how to manage finances. For many people, seniors’ concession cards are a good way to help make ends meet.

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Sarah Haines Sarah Haines

Mortgage vs super

With interest rates on the rise and investment returns increasingly volatile, Australians with cash to spare may be wondering how to make the most of it. If you have a mortgage, should you make extra repayments or would you be better off in the long run boosting your super?

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Sarah Haines Sarah Haines

Wills and powers of attorney

A good estate plan will help make sure your wishes are carried out when you die. It can also help if you become unable to make your own decisions.

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Sarah Haines Sarah Haines

A retirement plan built to last

Staying the course, and not being distracted by short-term market events, is just as important in retirement as it is at any other time.

Retiring from work shouldn’t necessarily equate to retiring from managing your investment portfolio.

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Sarah Haines Sarah Haines

Understanding capital gains tax

A capital gain or loss is the difference between what you paid for an asset and what you sold it for. This takes into account any incidental costs on the purchase and sale. So, if you sell an asset for more than you paid for it, that’s a capital gain. And if you sell it for less, that is considered a capital loss.

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Sarah Haines Sarah Haines

Digital and skills tax incentives return

The Government has opened submissions for a 120 percent deduction for tech and training investment, bringing previous Federal Budget announcements one step closer to becoming reality.

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Sarah Haines Sarah Haines

Is now a good time to buy?

Recent back-to-back interest rate hikes have led to a cooling of the property market, and with more rate rises predicted, you may feel like pumping the brakes on purchasing. But could the current climate offer opportunities?

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Sarah Haines Sarah Haines

Preparing your kids for financial success

Teaching good financial habits, such as saving and budgeting, is one of the best ways to prepare children to have a secure financial future. Helping kids establish sound money management skills and strong financial acumen is important, regardless of wealth level.

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Sarah Haines Sarah Haines

Discover the real cost of selling your property

Marketing campaigns, agent commission, taxes... there's a lot to consider when it comes to the cost of selling your home. We've laid out the main expenses for you, so you can stay on track, and on budget.

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Sarah Haines Sarah Haines

Interest rates and investing

What are interest rates?

The interest rate is the amount a borrower pays for borrowing money from a lender, which is why it's often referred to as the cost of borrowing.

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Sarah Haines Sarah Haines

Do you need a means-test assessment?

When moving into aged care you may be asked to disclose your financial details so that a means-tested fee can be calculated. But do you need to disclose?

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