How does ageing affect the ability to remember?

Key points: Scientists have found that working memory can be disrupted as early as people enter middle age In 2024, it is estimated there are more than 421,000 Australians living with all forms of dementia More than two-thirds of aged care residents have moderate to severe cognitive impairment Scientists have reported a global breakthrough in brain research through … Read more

How to do a budget

Having a budget helps you see where your money is going. You can put aside money for bills and expenses and set up a plan to reach your financial goals. Follow these steps to get started. Use how often you get paid as the timeframe for your budget. For example, if you get paid weekly, … Read more

Land banking

Land banking is a real estate investment scheme that involves buying large blocks of undeveloped land. These schemes are often unregulated and there’s little protection if something goes wrong. In a land banking scheme, property developers usually buy land, divide it into smaller blocks and offer it to investors. As an investor, you either buy … Read more

How to shift into pension mode

When and how you can access your super to start an account-based pension. If our working years can be regarded as the time when we aim to build up our superannuation savings, our retirement years can equally be regarded as the time when we aim to spend them. At least that’s the objective for most … Read more

Consolidating super funds

Consolidating your super means moving all your super into one account. It makes your super easier to manage, and saves on fees. Before you consolidate, pick the best super fund for you. You can transfer your super for free in a few simple steps. If you’re ready to consolidate your super now, go straight to … Read more

New increased super contribution caps

As the end of financial year gets closer, some investors are thinking about the most effective ways to boost their super balance, particularly with an increase in the caps on contributions from 1 July. The concessional contributions cap, which is the maximum in before-tax contributions you can add to your super each year without paying … Read more

Budget. Save. Grow.

When you’re planning to buy a home, the first step is to make sure you have a budget that you can stick to. Your budget will help you identify how much you can afford to spend and save, and give you some insights into where you are spending your hard-earned money. We have compiled some … Read more

Investors making a comeback

During the past couple of years property investors have been less active as interest rate rises began eating into their profits. However, as 2024 begins, it’s clear more investors are returning to the real estate market. According to the ABS lending indicators report for October, new loan commitments for investors increased by 5% in one … Read more

Talking money with a partner

Here are some factors to consider before you join finances with a partner.  While you’ve likely imagined what a future with your partner looks like, you may not have considered the financial implications of that future. Think: careers, kids, caring for aging parents, and even where you want to live and travel to. In reality, … Read more