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HomeBuilder: What is it and how do you access it?

The Government has announced grants of $25,000 to encourage people to build a new home or substantially renovate their existing home. The HomeBuilder scheme targets the residential construction market by providing tax-free grants of $25,000 to eligible owner-occupiers, including first home buyers, to build a new home or substantially renovate their existing home. The grants will be distributed by the revenue office of the State or Territory where you live or plan to live. There are a few complexities to this grant that both home builders/renovators and the building industry need to be across before jumping in and signing a…
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How Resisting A Marshmallow Can Make You Wealthy – Part I

  In 1972, a Stanford University psychology professor named Walter Mischel ran an incredible experiment. A child was given a small treat – in this case they could choose between a Marshmallow or a pretzel (whichever they preferred). They were told that they could eat the treat any time they liked, or…. if they managed not to eat the treat and waited for the researcher to return 15 minutes later, they could have a second one. The researcher left the room and watched with interest.   So what happened?     Well, as you may have guessed some of the…
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Status Quo Bias – The Great Wealth Destroyer

Believe it or not, being a successful <insert just about anything here> requires a far lower amount of expertise and a far greater amount of behavioural and emotional management than most people recognise (or care to admit). We see time and time again that this is particularly true of people’s finances. As humans, we make simple decisions complicated because emotions cloud our judgment – fear, greed, anxiety, uncertainty, overconfidence, spotting trends that don’t exist… they all distort what should otherwise be a simple logical choice. Let me give you an example.   There is an enormous body of scientific data…

Coronavirus Action Plan

COVID-19 ACTION PLAN   With Coronavirus risk mitigation measures ramping up it’s getting pretty rough out there at the moment and my heart goes out to anyone who is doing it tough. I wanted to take a moment to offer some tips and general advice when it comes to hunkering down in a crisis. When it comes to preparing for lockdown or a break in employment obviously some big changes might be necessary – some changes are quick and easy, some are bigger and more complicated, and some may expose you to risk so they are really important to consider…

Round 2 – CHG Integrated Wealth COVID-19 information session

On Sunday 22 March 2020, the Federal Government released a $66.1 billion stimulus package, with total stimulus equating to nearly 10% of Australia’s Gross Domestic Product (GDP). The aim of the package is to provide cash flow support for businesses up to $100,000, income support payments for individuals, targeted changes to the superannuation rules and relaxation of director liability and corporate insolvency laws. While all the measures haven’t been legislated yet, it is likely that they will be passed. Parliament met last night (Monday 23rd March) and we are waiting to hear if the measures have been legislated. Please view…
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Economic update EOFY 18/19

The first quarter equity market rally continued into April in light of dovish Central Banks and improving Chinese data. Cuts to Germany’s growth forecast brought concerns around Eurozone weakness. The Brexit deadline received an extension but yet again the outcome remains uncertain. Australia The Reserve Bank maintained its wait-and-see approach of both how global themes and conditions back at home develop, leaving the cash rate unchanged in April. This comes as a disappointing headline CPI was reported to be flat in the March quarter at 1.3% (0.19% growth, below the consensus forecast of 0.2%), making it the slowest annual pace…
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Forward thinking: What do mental wellness and financial wellness have in common?

A client of mine is a forward thinker and works in senior management of large national construction company.  A few weeks ago asked us to put together a financial health program for his Cadets (Gen Y and Z). Why? He was concerned that after the recent pay reviews and he performed (and subsequent upgrades), that they would p*ss it against the wall or just as fun / bad… buy a bigger car or a jet-ski. It got me thinking… Is there any benefit to employers providing financial education to their employees? The results of my research was surprising and should…

What school teachers wish they did 10 or 20 years ago…

The most common statement we hear from school teachers during our first meeting. “I wish we met you 10 or 20 years ago!” It is a fantastically rewarding feeling making it a reality for a family to achieve their financial and personal dreams, while this is greatly satisfying and humbling experience, the next question has to be “Why did you wait to seek help?” Invariably these answers follow a pretty clear path, so let’s share some of the most common reasons as to why school teachers tell us they felt they had to wait 10 or 20 years to ask…
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Celebrating Live Life Week

Did you know this week is Live Life Week? CHG Integrated Wealth is holding Live Life Week, to remind Australians about the importance of financial planning and living life.

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