Summer newsletter 2016

Christmas is almost here and the time of year most of us think about making changes to our lives in one form or another.

And speaking of change, after months of debate, many of the changes to superannuation first proposed in the Federal Budget back in May have finally been passed as law. We have provided an overview in this edition. Sorry to do this to you at Christmas but with 1 July 2017 as the implementation date for a lot of the new measures, it will be a good idea to take this time to review how some could affect you and contact us early in the year to prepare.

We’ve also included a couple of articles to inspire you to make the lifestyle changes you might have been considering before another year disappears.

We hope you enjoy this Summer edition of Grow. Protect. Enjoy. and on behalf of all of us here at Lifetime Advisers , I wish you a safe, happy and relaxing Christmas.

How might the latest superannuation changes affect you?

With several major changes to Australia’s superannuation system due to take effect from 1 July 2017, here’s a summary of the main ones. These changes involve a lot of fine detail, so if you think you may be affected make sure you contact us for qualified advice sooner rather than later.

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How to protect your income if you’re self-employed

When I first met Geoff, he had just set up his own printing business in his garage and was earning a moderate income.

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Balancing Life, Work and Money

Work-life balance. It’s something everyone seeks, but achieving it can seem an impossible task. Not only does the ideal balance vary from person to person, it can change frequently throughout life. If your wheel of life has developed a wobble, it might be time to do some repairs to regain stability for the journey ahead.

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Happiness = income $100 - expenditure $99

Charles Dickens first penned a similar decree in his novel, David Copperfield, (only he explained it in pounds and shillings). But it’s as true today as it was in the nineteenth century.

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Will next year be "same, same" or a new adventure?

Another year has swiftly vanished into history. How were the past 12 months for you? Did you make the changes you’d planned or did your resolve for something different this year peter out by February? Don’t worry, there’s another 12 months ready and waiting for you!

If you’re not happy with the way your life is playing out, here are a few steps to help you take a whole new direction.

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