Under 40, your super still matters. Here’s three things you can do to boost you

Financial Advisor - Smart Happy Money

So, you’re under forty. Should you be thinking about your superannuation? The answer is yes. I’m also under forty, and I think it is very important for us all. So, what can we do to boost our retirement savings? Well, here are 3 ways to boost your super. 1: Consolidate it into one account Do…

OHS Blogs & Briefs e-Booklet

Director & OHS Consultant - Custodian Safety Services

This e-booklet has OHS management tips I’ve handpicked from blogs and articles I have written. Why read this e-booklet? I’ve carefully selected these blogs and briefs because: The individual blogs and briefs can be read in less than 5 minutes The actionable blogs & briefs can solve OHS management issues your business may be having…

2020 Budget update

Financial Advisor - Smart Happy Money

Last week the federal government delivered the much anticipated (and delayed) federal budget. Gone are the days of debt and deficit as the government begins to spend like we have never seen before to stimulate our economy and create jobs.  Is it enough?  Is it targeted to the right place?  Only time will tell. The…

The light at the end of a long, dark tunnel

Pushing through the dark times and taking a chance on a new career has certainly worked for 59-year-old Clive, who has suffered with crippling anxiety and depression for the last decade. In 2010 life changed dramatically for Clive. After his businesses failed, his life went in a downward spiral. Nearing bankruptcy, out of work and…

Hackers – how and why?

HOW do hackers steal your data? WHY do they do it? Nearly every business I talk to is worried about cyberattacks. Two of the most common questions I hear are “How do hackers attack?” and “What’s their motivation?” When it comes to hackers, there are three common strategies used: Social engineering. Brute force. Phishing emails.…

3 ways to teach your kids about money

Financial Advisor - Smart Happy Money

Do you have kids? Well, they are not born understanding money. Most of what kids learn comes from you, the parent. Here’s 3 ways to teach your kids about money. 1: Be open and honest. Teach your kids about the family finances. Tell the 5-year-old that you aren’t buying the toy they want because you…

What is Financial Planning?

Financial Advisor - Smart Happy Money

When people think of financial planning they think about investment management. Where should I invest my money? Who will invest it for me? While this plays a part of a financial plan, and any good financial advisor will recommend that you invest your money a certain way, it is only a small part of a…

Detail of Prefabricated Steel Building

Design and fabricated Steel Structure Building - Havit Steel Structure

The prefabricated steel building is the main structural form of industrial workshops and other public buildings. It has the advantages of simple structure, short construction period, and reduces the amount of steel used, and has an extensive application prospect. The prefabricated steel structure is lighter in weight, has sound vibration (seismic) and impact resistance, and…

Working together HY.GIENE Australia are here to assist with your hygiene program

National Sales Manager - HY.GIENE AUSTRALIA PTY LTD

HY.GIENE Australia are part of the critical infrastructure assisting government departments and essential services in the supply, manufacture and production, of products and services to combat the COVID-19. Our technical support team have carefully researched and identified the situation at hand and have launched key Recovery Guide and Work Place Ininiatives, capable of disinfecting and…

Everybody wants to retire, but do you know how it actually works?

Financial Advisor - Smart Happy Money

Most of us have superannuation, and most of us understand, in general, how it works while we work, but how many of us understand how superannuation works in retirement? Firstly, and often most unwisely you can access it as a lump sum and withdraw it from super altogether. This is (usually) not a great option…