Welcome to the Winter edition of the Grow. Protect. Enjoy. newsletter.

In this edition we address the often overlooked issue of insurance for your adult children. There are also some tips on managing cash flow from your investments and boosting your retirement savings.

Do you know that it is estimated that Australians throw out 20% of the food they purchase? The article on using your food wisely will help you reduce this waste and save some money.

It's that time of the year when the government's focus is on its Federal Budget. Please remember that although the Budget generates media frenzy, most of the major changes announced are only proposed changes. They will not come into effect until passed by both Houses of Parliament and receive the Governor General's Assent.

No doubt there will be much debate and media attention placed on these proposed changes, but until we advise you that the changes have become law and how they may affect your financial situation, we all just have to wait and see. Stay tuned...

If you would like to learn more about any of the topics we've covered here, or wish to review your current situation, please call on 1300 135 573 or email info@lifetimeadvisers.com.au us today.

We hope you enjoy the read.

Kind regards,

Frances Hesse

PS. Don't forget, you can share the knowledge and forward this newsletter to your friends and family.

A great way to help your kids

We are always hearing about how important it is to insure our own lives and income, but what about insuring our adult children’s?

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What is cash flow?

If you rely on your investments for income, an important aspect of managing your portfolio is cash flow. Correctly structured cash flow is critical, so let’s have a look at what you might need to think about.

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Turbo boost your retirement savings

Once your mortgage and other financial commitments are manageable, it is usually time to put the pedal down on your super. Those prime income years, between age 35 and 50 in particular, should be used constructively. However, the task may not always be easy.

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Save money by using food wisely

Tasty food is a luxury everyone enjoys. However, in uncertain financial times, there is a tendency to rein in spending and sacrifice pleasure. So how can we continue to enjoy our culinary treats without skimping on portions or breaking the bank?

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