Dobbrick Financial Services Blog

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Can life insurance protect my debts?

by DFS Ipswich on May 16, 2019 No comments

Life Insurance cover is about protecting those who are left behind. Find out how the right policy can ensure your family isn’t left in debt if the worst should happen. 

Why Life Insurance?

A Life Insurance policy can give you confidence your family will be provided for in the event of your death, or if you are diagnosed with a terminal illness. The right insurance may be able to take care of your debts so that your family is not shouldered with repayments, allowing them to keep their home and continue living life as you had planned together.

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DFS IpswichCan life insurance protect my debts?

5 steps to make income tax easier

by DFS Ipswich on May 10, 2019 No comments

The end-of-financial-year period isn’t really a time most people relish, but it does offer an excellent opportunity to review your finances and possibly free up funds for more important and enjoyable pursuits.

Below we’ll show you, in five easy steps, how to streamline the income tax return process and possibly free up funds for the more important things in this great Australian life.

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DFS Ipswich5 steps to make income tax easier

How to get the most value from your health cover

by DFS Ipswich on April 26, 2019 No comments

It’s time to schedule an annual checkup. A health insurance checkup, that is. 

Because a lot can change in a year – your needs may have changed, the insurance market has most certainly shifted and living expenses continue on an upwards trajectory.

For example, in 2018 some banks put their interest rates up, which can put extra stress on the family household budget.

So, let’s take a look at the steps you can take to complete a health insurance policy checkup now.

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DFS IpswichHow to get the most value from your health cover

Super reform: impact on insurance

by DFS Ipswich on April 18, 2019 No comments

The productivity commission has released a report into the superannuation industry and made 31 recommendations for reform. So how could they impact you?

Coming in at 700 pages, the December 2018 Productivity Commission’s report does not make for light reading. So we’ve done the hard yards and had a look at what it could mean for you.

The Productivity Commission, Superannuation: Assessing Efficiency and Competitiveness inquiry report starts with the premise that: “Australia’s super system needs to adapt to better meet the needs of a modern workforce and a growing pool of retirees. Structural flaws – unintended multiple accounts and entrenched underperformers – are harming millions of members, and regressively so”.i

The report states that fixing these problems could benefit super fund members to the tune of $3.8 billion each year. For example, “a 55-year-old today could gain $79,000 by retirement,” and “a new job entrant today would have $533,000 more when they retire in 2064”.

Now, whether or not any or all recommendations are adopted depends on the government of the day, here’s how they could impact insurance through super.

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DFS IpswichSuper reform: impact on insurance

The mental health benefits of exercise

by DFS Ipswich on April 11, 2019 No comments

Exercise can be incredibly beneficial for the body, but it’s also great for the mind. So what are you waiting for? Get moving!

We all know the feeling – that buzzy, warm glow we get after exercise. Whether it’s a gentle jog, playing footy with the kids or lifting a personal best, exercising makes us feel good. But it isn’t just the smug satisfaction of knowing we’ve been active for the day (although this is pretty nice too) – there’s a scientific reason why moving our bodies makes us happy.

It all comes down to processes in the brain. According to the Australian Medical Association, exercising releases neurotransmitters into the brain called endorphins and serotonin. These chemicals have mood-boosting properties that leave you with the so-called ‘runners’ high’. Endorphins help to encourage positive feelings and can provide relief from conditions like anxiety for hours after exercise is over.

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DFS IpswichThe mental health benefits of exercise

What the Federal budget means for you?

by DFS Ipswich on April 5, 2019 No comments

With a federal election looming, the 2019/2020 Federal Budget aims to deliver tax cuts to low and middle-income workers and small businesses, superannuation tweaks for older Australians, and energy assistance payments.

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DFS IpswichWhat the Federal budget means for you?

Preparing to buy property together?

by DFS Ipswich on March 22, 2019 No comments

Buying a property together is a major relationship milestone. It’s right up there with opening a joint bank account, getting married, and even surviving your first major disagreement. It’s understandable that such a big milestone – and investment – can become highly emotionally charged.

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DFS IpswichPreparing to buy property together?