November Financial Planning Newsletter

Can you believe the festive season is almost upon us, and it's nearly a wrap on another year? It is a busy time of year, but it's also the perfect time of year to celebrate all your achievements, no matter how big or small, for 2019.

"Will we retire together?" It's a question pondered by many Australian couples, and our first article explores the perks and cons of retiring at the same time.

We also look at some tips to consider when returning to work after maternity leave.

Following on, we give you 5 tips to pay off the home loan sooner, and some motivation advice for the small business owners.

We wrap it up with 9 mind-blowing ways to stop yourself from wasting time before the new year is upon us.

If you would like more information on any of the articles below, please free to arrange a 15-minute call with Mike by clicking this LINK or contact this office on 02 9327 4338 or reply to this email.

Regards,

Mike Sikar

Founder and Principal Adviser

Should you and your partner retire at the same time?

It’s one of those curious questions people rarely ponder before the time draws uncomfortably near: will we retire together? On the one hand, it makes sense to seize the opportunity to travel and experience this next chapter of your lives together. On the other, how can two people possibly be ready to leave the workforce at exactly the same time?

Read full article >>

Top things to consider when returning to work

Returning to work after maternity leave can be difficult and needs careful planning. Here are our tips to help make the transition much smoother.

Read full article >>

5 useful tips for paying off your home loan sooner

Here are some tips to help you pay off your 30 year home loan much faster.

Read full article >>

Six tips to stay motivated as a new business owner

Finding motivation for starting a new business can be easy to come by, but as time passes these feelings may begin to fade. So what do you do when motivation is lacking?

Read full article >>

How to procrastinate: nine tips from a pro

Why is there such focus on how to be productive when many of us spend our time faffing around? There should be more tips on how to procrastinate. Here they are.

Read full article >>

Delta Financial Group Pty Ltd and Mike Sikar, is an Authorised Representative of GWM Adviser Services Limited, ABN 96 002 071 749, AFSL number 230692 an Australian Financial Services Licensee, Registered office at 105-153 Miller Street, North Sydney, NSW, 2060 and a member of the National Australia Group of companies.

This advice may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial and tax and/or legal advice prior to acting on this information. The material contained in this newsletter is based on information received in good faith from sources within the market, and on our understanding of legislation and Government press releases at the date of publication, which are believed to be reliable and accurate. Opinions constitute our judgement at the time of issue and are subject to change. Neither, the Licensee or any of the National Australia group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this email.

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