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The end of the financial year will likely bring the usual wave of scams. Here’s what to watch for. The Federal Budget is behind us, and amid the celebrations over tax cuts (around $500 annually for low to middle income earners), now is the time to be mindful of scammers pretending to be from government […]

A new financial year is always a good time to review your finances and make sure they are in good shape. You’ll be starting this coming financial year wearing a confident grin with this list of eight things to do now to get new financial year ready. Check in on your goals There’s no point […]

Whether it’s not-quite-right gifts you have received or the results of an annual clean out, your trash might be someone else’s treasure. A survey by online marketplace Gumtree found that Australians received more than 21 million unwanted gifts for Christmas in 2017 with an average value of $68 eachi. If that sounds familiar, you might […]

Investing in your super now may help you live the life you desire in retirement. By the time you retire, your super will likely represent one of your biggest assets. It’s real money and it’s your money, so putting some thought into making contributions today may help you achieve the lifestyle you want in retirement. […]

Introduction The 2018-19 Budget will be the last before the next election (due by May 2019) and so had to provide pre-election goodies but in a way that keeps the return to surplus on track. Thanks to an improvement in the Budget position since the Mid-Year review, of around $7bn per annum, this has been […]

Here’s a roundup of some of the key proposals put forward in the 2018 – 2019 Federal Budget. We take a look at how they might affect your financial goals — whether you’re starting out in your working life, building a career, having a family, or moving toward or living in retirement. Remember, at this […]

You may be aware that a Royal Commission into the banking, superannuation and financial services industry is underway. Over the past week, AMP has appeared and subsequently received media attention. Everyone at The Ebony Rose Group were shocked by what we read and heard because we take our ongoing service responsibilities to you and our […]

Six out of ten Australians own investments outside of the family home and super. That’s good news. The only problem is that many people are still putting all their eggs in one, or just a few, baskets. A recent study by the Australian Securities Exchange (ASX) found 40% of investors admit they don’t have a diversified […]

Changes aimed at improving housing affordability have passed through parliament. See what the new rules could mean for you. Government proposals around improving housing affordability in Australia were passed through parliament on 7 December 2017.i As part of the changes, first home buyers will be given a tax concession through the ability to save for […]

While talking about money is not the most romantic way to spend an evening, it’s worth putting some time aside to explore shared goals and the way you manage your money as a twosome. Our approach to managing household finances can make a big difference to the health of a relationship. Thankfully, the old line […]