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Showing Tag: "money" (Show all posts)

Finance on the Go

Posted by Naomi Rosenthal on Saturday, August 15, 2015, In : General 

I'll admit I'm a bit of an iPhone addict. I'd be lost without my devices. However, on my recent trip to Fiji, a stay at an out of the way destination on the Coral Coast where access to WiFi was limited, gave me the perfect opportunity to disconnect from the web and enjoy the beautiful tropical oasis.

6 days later, I was back online and while I hadn't thought about it nor missed it, it was like I'd never left. I had things to do - Facebook items to post, credit card bills to pay before their ...

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7 Reasons for NOT buying a house in your SMSF

Posted by Naomi Rosenthal on Wednesday, November 13, 2013, In : Superannuation 

It's all the rage right now - setting up a self managed super fund and borrowing to buy a residential property as the major asset.

On paper it sounds like a great idea - you've got some money in your fund, borrowing costs are very low right now, rental returns are pretty good, it offers asset protection against bankruptcy and income and capital gains are concessionally taxed.

There are only a handful of occasions when we think it's a good strategy and plenty of reasons why we have concerns ...

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Are You Listening?

Posted by Naomi Rosenthal on Thursday, June 27, 2013, In : General 

Despite there being two million small businesses in Australia, we know it can sometimes feel lonely when it comes to sharing challenges and harnessing knowledge to make positive changes.
We want you to know you’re not alone.

Eagle Waves Radio is
Australia’s first and only radio station dedicated to empowering small businesses. Our commitment, and our passion, is to level the playing field by giving you direct access to the very best business advice guaranteed to inspire practical and profi...

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three ways you can get more into your super fund this financial year

Posted by Naomi Rosenthal on Friday, June 14, 2013, In : Superannuation 

Personal Deductible Contributions

By making personal contributions to your super, you may be able to claim a tax deduction to reduce your tax liability.

What’s in it for me?

  •       Pay less tax by reducing your taxable income, while growing your retirement savings quicker.
  •       Retirees, self-employed persons and homemakers can build wealth more effectively.

Who can this strategy work for?

This strategy is most suitable if you:

  •       have a marginal tax rate above 19%
  •       want to redu...

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What women want (to know about money)

Posted by Naomi Rosenthal on Wednesday, April 3, 2013, In : General 
We surveyed a group of Australian Women to understand what they need to know about financial matters. The results told us that while 66% rated their level of financial literacy as good or excellent, only half maintained a household budget and 64% were somewhat to very fearful of not having enough money in the future. Half of the respondents felt lack of financial stability / insufficient income or their partner / family were holding them back from taking necessary action to manage their money...

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How to protect your biggest asset and save money

Posted by Naomi Rosenthal on Wednesday, December 12, 2012, In : Life Insurance 

Your biggest asset is your ability to earn an income. I talk about this a lot because I’m passionate about ensuring you have the right foundations in place for peace of mind and financial security. If you couldn’t work tomorrow because of injury or ill health, how long would your financial resources last? Would you want to end up reliant on government support? It’s not a lifestyle I’d want and it’s not a lifestyle of choice for most people.
There is a perception that protecting your ...

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5 Reasons to Find Your Lost Super

Posted by Naomi Rosenthal on Thursday, June 21, 2012, In : Superannuation 

I’ve been living in my apartment for 2 years now. And still I am receiving other people’s mail. Bank statements, superannuation statements, promotional material to name a few.

Why do some people not mind that their stuff gets left behind when they move on? Are they now tracking it online? I doubt it. I can certainly appreciate that sometimes when you leave one place you want to start afresh. To my mind though, there are certain items that remain important no matter where you go.

Here are my...

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End of Year Financial Planning

Posted by Naomi Rosenthal on Thursday, April 12, 2012, In : Financial Planning 
To discuss your end of financial year planning with us, contact us on 02 9417 6011 today.

Here's a great checklist for your end of year financial plans. Deadline: 30 June 2012!

  • Firstly, check how much you've contributed to super so far this financial year. Don't get stung with excess contributions tax by putting in more than the caps.
    Concessional Contributions
    If you're under age 50, you can contribute up to $25,000 and if you're over age 50, you can contribute up to $50,000 i...

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The Savvy Traveller's Guide to Money

Posted by Naomi Rosenthal on Friday, January 27, 2012, In : General 

I’m heading off overseas to Vietnam shortly for a 2 week vacation and a few days at Conference. Fabulous, I know!

I’ve done quite a bit of travelling in my past and I’ve had some incidents with wallets and money being stolen. When it comes to currency and money, a lot has changed since the mid 90s in the way you can access your funds, but what hasn’t changed is that there are still people out there who will steal your stuff.

Here are my thoughts for savvy travelling with money.


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Will your kids pay tax this year?

Posted by Naomi Rosenthal on Monday, July 18, 2011, In : Financial Planning 

In the most recent budget, the government changed the taxation laws such that minors receiving non-working income WILL NOT be entitled to the low income tax offset of $1,500 from 01 July 2011.


This means that if you have kids with investment monies (such as a bank balance that has accrued from all that birthday money), they might find they have a tax liability at the end of the financial year.


It also has an impact on your more complex affairs such as paying distributions from a famil...

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How to move into retirement and be better off

Posted by Naomi Rosenthal on Monday, July 18, 2011, In : Superannuation 

Move into retirement and be better off

If you’re between 55 and 75, establishing a transition to retirement pension could help you:

  • ease into retirement by reducing your working hours without reducing your income
  • increase your retirement savings without impacting your income if you are still working full time
  • boost your income today so you have more money to cover your everyday living expenses.

‘Transition to retirement’ rules were introduced to allow working Australians aged 55 ...

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Stick with it, drop it or outsource it?

Posted by Naomi Rosenthal on Tuesday, February 8, 2011, In : Financial Planning 

Your time is valuable. So how do you decide whether it's worth doing something yourself or outsourcing to an expert?
I was chatting with my partner's brother about making decisions during our recent holiday. He said, "my dad always said, 'ask yourself - what information do you need to make the right decision?', then go and get all the information and make your decision."
Wise advice from the old man, indeed.
But in this hectic world, not all of us have the time to research all of the options and...

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Responsibility for the content and opinions expressed herein rests solely with the author and opinions expressed do not necessarily represent the views and opinions of Professional Wealth Services Pty Ltd.
The information on this website is general in nature and may not be relevant to your individual circumstances. You should refrain from doing anything in reliance on this information without first obtaining suitable professional advice. You should obtain and consider a Product Disclosure Statement (PDS) before making any decision to acquire a product.
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Whilst care has been exercised, the taxation information contained is provided as a guide only and may not be relied upon. If in doubt, you should seek independent tax advice from a qualified tax adviser.

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