by Adam Massey | Jun 11, 2026 | Debt, Financial Advice, Financial Adviser, Financial goals, Financial Tips, Life balance, Retirement, Superannuation |
Borrowing After 50 Borrowing after 50 remains possible but lenders apply stricter rules. The key change is the need for a documented exit strategy beyond employment income. Serviceability buffers and income assumptions become more conservative as retirement...
by Adam Massey | May 27, 2026 | Cashflow, Debt, Financial Advice, Financial goals, Financial Tips, Retirement, Superannuation |
When the Loan Becomes a Gift Family loans often fail because they rely on trust rather than documentation. Without a written agreement, courts and third parties may treat advances as gifts. This can cause problems in family law, bankruptcy, and Centrelink assessments....
by Adam Massey | May 13, 2026 | Cashflow, Debt, Financial Advice, Financial Tips, Insurance, Investing, Superannuation |
When the Will Doesn’t Do What You Think It Does Many people assume their will controls all assets, but that is rarely true. Super, jointly owned property, insurance, and trusts pass outside the will. These assets follow their own rules and nominations. Estate planning...
by Adam Massey | Apr 29, 2026 | Cashflow, Debt, Financial Advice, Financial Tips, Insurance, Superannuation |
The Debt Nobody Talks About: HECS, HELP, and the Hidden Drag on Household Finances Recent reforms have significantly changed how HELP debt works for Australian households. Balances were cut by 20 per cent, repayments shifted to a marginal system, and indexation is now...
by Adam Massey | Apr 15, 2026 | Cashflow, Debt, Financial Advice, Financial Tips, Investing, Retirement, Superannuation |
Protecting Your Parents’ Money, and Your Own Financial elder abuse often begins inside trusted family relationships, not with strangers or scams. It can involve pressure to lend money, act as guarantor, or hand over financial control. Many cases go unreported because...
by Adam Massey | Mar 10, 2026 | Debt, Financial Advice, Financial Tips, Investing, Massey Market Updates
The US/Israel conflict with Iran is creating turbulence across global markets, with oil supply risks driving sharp price swings and dampening investor sentiment. Key Points Oil volatility intensifies: Prices spiked to US$119 before retreating, as uncertainty...