The start of a New Year is a chance to put the past behind us and focus on what’s to come – but often it’s harder than it sounds.
We’ve all been there – the clock is counting down the last few hours of the year and you start to reflect on what you’ve achieved over the past twelve months. Often fuelled by drinks, food and a party atmosphere, friends excitedly ask what your resolutions are for the year to come. How will you become a ‘better person’ overnight?
A healthy lifestyle starts in the kitchen. Without the right environment to facilitate your health and wellness goals, staying healthy and at your ideal weight becomes hard work.
Just like giving your house a spring clean, I’ve put together a few simple steps to detox your kitchen so you can take control of the food you eat, which will support your overall health and quality of life.
In what has become an increasingly connected world, where we can be contacted at all times of the day and night, pretty much anywhere in the world, the pressure to be available at the drop of a hat can be considerable.
We’re at that time of the year again: the shopping centres are packed, you’re signing dozens of greeting cards, and your little ones have just handed you a ‘wish list’ longer than they are tall. At the back of your mind, you might even be hoping for a treat or two for yourself.
When it comes to planning for retirement few of us think beyond the opportunity to travel and do all those things we’ve been putting off until we have more time and fewer responsibilities. It’s safe to say that moving into residential aged care is not on anyone’s bucket list. But as the population ages, it’s a possibility that few of us can ignore.
More than 3.6 million Australians, or 16 per cent of the population, are currently aged 65 and over.iThis is projected to grow to 22 per cent by 2061, or more than one in five.iiWe’re also living longer. The average Australian can expect to live into their 80siii, and many of us will live beyond 90.iv
That means more of us will need some form of aged care late in life. And as pressure grows on aged care service providers to cater for more people, the costs may rise.
Last week was a tumultuous week for equity markets globally. Apart from Australian Value shares and real estate trusts, there was very little spared. Over the month Australian Value, REITs, European equities, Emerging Market equities and Asia are the only equity markets in the green
Sovereign bonds performed well for the week, and surprisingly senior floating rate notes (FRNs) had a minor fall for the week (but only by -0.1%)
Most industrial commodities such as Iron Ore and metals posted gains for the week as the Aussie dollar fell
Whatever the goal, reaching age 30 is a turning point for many of us. Whilst it may mean life is getting more serious, by the time we’re in our 30s we’re keen to retain our individuality and remain determined to have fun. With a little planning you can make this age even more enjoyable.
The following stories may inspire you to start now to build a stronger financial future.
Do you ever take your child to the supermarket and let them hand the money to the cashier? Perhaps they’re applying their newfound counting skills to sorting out your spare change? Or maybe they’ve got their first piggy bank to stash away a few cents here and there? These things aren’t just cute ways to keep them entertained. Whether you know it or not, your children are already developing a relationship with money that will last a lifetime.
The ‘great Australian dream’ of home ownership is fairly widely accepted these days. It’s seen as natural to want to own your own home – or more specifically, a stand-alone home on a quarter acre block. But when you ask people why they want to own a home, it gets a bit more complicated. Things like security to raise a family, the ability to renovate and decorate, and the freedom to own pets are often cited. But those objectives shift when you’re heading towards retirement. That’s why it’s important to think about the role that homeownership plays in your overall retirement plan.
From the time you buy your home, to the life of your mortgage and beyond, the way you deal with your home as an asset can have a big impact on your quality of life once you’ve retired.