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The home owner’s dilemma – pay down the mortgage, or invest?
The home owner’s dilemma – pay down the mortgage, or invest? Owning a home is still the great Australian dream, but for many mortgage holders there’s a question lingering in the back of their minds – could they be earning more money if they invest in shares? The answer isn’t exactly a science, but there are some principles savvy investors can follow. The goal of any […]
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Can dollar cost averaging really reduce investing risk?
Can dollar cost averaging really reduce investing risk? For many investors a windfall can financially turn their lives around. But investing that money wisely can be a daunting prospect – there are almost too many questions to answer. The theory of dollar-cost averaging can help relieve some of those fears. But is using money to regularly invest over a longer period of time […]
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Life insurance: the most important investment you’ll ever make
Life insurance: the most important investment you’ll ever make Many Australians wouldn’t think twice about buying insurance for a vehicle. Home and contents coverage is a no-brainer, and for a rising number of people, private health cover is on the cards as well. But why is it that so many Australians overlook insuring one of their most important assets – their lives? Life insurance […]
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Building a new home? Is it exempt from CGT?
Building a new home? Is it exempt from CGT? There is a concession in the CGT rules that can allow a taxpayer to treat a property as their “main residence” even though it does not yet have a habitable dwelling. It is a widely recognised fact that a capital gains tax (CGT) exemption applies to a taxpayer’s principal or main residential property. And one […]
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Australia’s Christmas spending 
Australia’s Christmas spending     Aussies planned to spend $1,079 on average over the holiday season (1). Average Christmas spending on gifts (1) NSW – $548 WA – $435 QLD – $408 SA – $405 VIC – $401 Avoid the Christmas debt hangover Join the Christmas budgeters (1) 57% set a budget 4 in 5 stuck to it How […]
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