If you’re new here, you may want to subscribe to my RSS feed. Thanks for visiting!Q. My partner and I regularly listen to your financial advice segment on Radio 4GR Toowoomba on Sundays. Congratulations on a very interesting show.
We are aged 57 and 52 respectively, currently working full time and we each have superannuation [...]
Popularity: 46% [?]
Q. We are business owners and our accountant has us pay a designated amount into super each month. We are reluctant to do this at the moment and have that amount lose money immediately when banks are offering over 8%. Should we try to delay these payments?
Josie’s answer: I am finding that many people [...]
Popularity: 49% [?]
Q. I could really do with some help. I have been trying to sort my finances out for the last 5 years but spending a lot of energy standing still.
After ten years of marriage my wife decided she didn’t want to be married anymore.
My ex-wife retained the majority of the matrimonial assets such as our [...]
Popularity: 47% [?]
Q. I am 40 years old with 1 child in college 16 yrs old. I have $100,000 after selling my house. I work 4 days per week and earn 616.00 gross should I buy back into the market or am I better of to invest my money and rent.
Josie’s answer: Good question and would love [...]
Popularity: 51% [?]
Q. Does an employer have to pay the superannuation guarantee charge to someone who is working 24 hours per week?
Josie’s answer: Yes, they do, however, they are exempt from paying super for the following:-· employees paid less than $450 in a calendar month· those aged aged 70 years or more· employees less than 18 years [...]
Popularity: 47% [?]
Q. I have a son aged 18 who has a disability and have just been arranging to set up a Special Disability trust via my will. I believe that Income resulting from this will not affect his disability pension.
If I were to invest some money for him now, I am wondering if there [...]
Popularity: 35% [?]
Q. I phoned your Money Matters show last Sunday & asked about investment option for my 14yo daughter who has 2 jobs.
You suggested super, to get the govt incentive. She is not earning enough to pay super yet, though a fund has been set up by employer.If she pays in herself, & gets govt incentive, [...]
Popularity: 38% [?]
Q. Investment earnings in superannuation are taxed at 15%. What happens when your super fund makes a loss? (as may well be for me again this year). Is there no tax? Is there a credit (I wish) or is the loss offset in future years within the fund?
Josie’s answer: This is a really good question [...]
Popularity: 35% [?]
Q. I have $17,100 in first state super I’m retired on a carers pension and am 54yrs old, I wish to invest $20,000 I don’t know if I should go with our bank in a term deposit at 8.1% or put it into my super?
Josie’s answer: Assuming you are not working and your sole income [...]
Popularity: 33% [?]
Q. My Husband and I have a SMSF (at the suggestion of our Adviser) of about $600K, I have an Industry Fund i.e. First State Super (NSW) of around $99K, with a diversified portfolio we are paying our adviser 1.25%, plus the accountant for the Tax return.
During the times of extreme volatility the Industry [...]
Popularity: 30% [?]
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