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The Australian Government has introduced significant changes to the way capital gains are taxed. While these reforms have generated considerable discussion, it is important to understand that the new rules do not commence until 1 July 2027 and, for many investors, the impact may be less immediate than first assumed....

Why Most Retirees Are Neither Self‑Funded nor Fully on the Age Pension When people think about retirement in Australia, it’s often framed as a simple choice: you’re either comfortably self‑funded, living off your own savings, or you’re reliant on the Age Pension. In reality, this black‑and‑white view misses where most...

Considering Private Health InsuranceIt is customary for most private health insurance companies to increase their premiums from 1 April each year. That timing often prompts households to ask an important question: Is private health insurance still worth it? There is no one‑size‑fits‑all answer. Whether private health insurance represents good value...

Universal Basic Income in the Age of Artificial IntelligenceAs artificial intelligence (AI) becomes increasingly capable, society is entering a period of rapid change. AI systems are expected to outperform humans in a growing range of tasks—from data analysis and customer service to creative work and complex problem solving‑. While this...

For many years, people have been encouraged to avoid credit cards and instead use debit cards to keep their spending under control. (more…)