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Time flies when you are having fun!

Last week, I was looking back over the archives and noticed that Realise Your Dream has just had its fourth anniversary. The first post was published in 9 October 2014. This is ...
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Is it time to apply for the age pension?

On 1 February 2019, many people will turn 65 years and 6 months. You may be asking why is this important? For most of us, this date will mean very little, however, for those ...
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Royal Commission – do we need another?

If you are a regular reader of this blog, you would know I have been in Vietnam for the last few weeks, blissfully ignorant for a short period of time of all the dramas which ...
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How expensive is retirement?

Regular readers will know that we often refer to the costs of living in retirement published by the Association of Superannuation Funds of Australia and known as the ASFA ...
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Income - not always what it appears to be

A person’s age pension entitlement is based on several factors. Their age this is the obvious factor. Are they single or a member of a couple? Do they own their home or are ...
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An email to Henry

Last week I had a call from a colleague and friend, let’s call him Henry (not his real name). Henry is a financial planner working in suburban Sydney. For the past couple of ...
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When modest doesn't cut it

Regular readers of our blog will be familiar with the work that the Association of Superannuation Funds of Australia (ASFA) does in producing quarterly estimates of just how ...
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Would you borrow money from the government?

What am I talking about? Two weeks ago, the Government handed down the 2018 Budget. One of the more interesting initiatives was the expansion of the Pensions Loans Scheme (PLS) ...
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I wish my husband never retired

This is a true story. Only the personal details have been redacted for privacy reasons. Jack and Diane have been married for forty-three years. Jack is seventy-one and Diane ...
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More about super contributions

A couple of weeks’ back I covered the rules around the timing of superannuation contributions. In line with the same theme, I thought it would be worthwhile to revisit some ...
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