Blog
Welcome to our Personal Finance Blog
Money bewilders most of us. How to spend it, save it, invest it, and how to best protect the person who makes it.
These questions we all face daily — a puzzle we all attempt to understand and solve just about every day. Yet despite money's centrality to our lives and businesses, it's something we all grapple with, and mostly in private.
- Money is the 'Lord Voldemort' of topics; feared by most and mentioned by a few. It's oddly uncomfortable to discuss socially and rarely even with our partners, parents, and children.
Perhaps that's because managing our money and life's risks inevitably involves the fusion of both the emotional and practical aspects of our decision-making processes. The most difficult of questions are those with both economic and emotional answers.
Our educational Personal Finance Blog is for people who want to grow and remain wealthy. And while the journey toward wealth is clearly marked, you still have to be looking in the right direction.
At Sapience, we're all about The How.
Gifts, Loans and Debt Forgiveness (and the Wisdom to know the difference)
In our busy financial world, generosity can have consequences you may not be initially aware of.
'When,' is usually the first question a generous person asks. The next questions, often missed in the excitement should be, ‘how to protect the gift; should I make it a loan', and ultimately, 'when and how could I cancel (the legal term is forgive) a loan at a time in the future?'
How Does Cannabis Oil (CBD Oil ) Affect Your Life Insurance Application?
Have you ever been at a BBQ with friends and heard the question asked, 'Can a person get life insurance if they use Cannabis Oil?' Its a really good question so here's our really good answer.
Our 20 Most Frequently Asked Questions about being the Executor named in a persons Will
It's not long until you'll meet someone who has been named as the Executor in a family members Will Document or a friends Estate Planning. But what does that actually entail?
As modern life, love and business (and the inevitable passing or us all) becomes more complicated, having a plan in place ahead of time, just in case, makes the life of those we inevitably leave behind less difficult. It alos helps us sleep better knowing we've down our best to protect and provide for thoses we love. Getting your own estate planning sorted today is truly an act of love and provision.
Browse through the 20 questions titles below and see what may be of interest.
Planning to Exit your Small Business in the next 15 years? What will the weather be like then?
Plans and Planning are different. For starters, plans are abstract. Anyone can have a plan. But planning is practical. And planning for a Small Business Exit, needs to begin at least 15 years before you expect to call it a day, slow down and retire.
Can I break up with my de facto via SMS?
When it came to $1,120,000 from a Super Binding Death Nomination, either way the court has said, ‘you can't end a de facto relationship over a TXT message' (sent to your sister)’.
"And to my family I bequeath all my worldly goods and chattels ..."
One of the most popular questions asked about making a Will document is, ‘Can I leave a specific gift, to one person and the remainder of my estate to be split equally between the remaining beneficiaries?’
- Just to let you know, 'We're Moving' AFSLs
- When do you need a Company Power of Attorney?
- When Home is Not the Safest Place
- Federal Budget Summary 2024-25
- Can you be disqualified from running an SMSF?
- What happens to my government HECS or HELP Debt if I die?
- Plan on leaving a meaningful inheritance, not a nightmare
