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Is it time to apply for the aged pension? Pt. 2

Some weeks ago, I wrote a blog called ‘Is it time to apply for an age pension?’, which looked at the complexities and frustration of the application process. Some readers have ...
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Change for good or change for the sake of change?

With the rather significant swing against the Coalition at last weekends’ by-election in the Sydney seat of Wentworth, we turn our attention to next year’s Federal Election, ...
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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 who ...
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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 go ...
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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 they ...
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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 much ...
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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) to ...
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