Johnny in action at our pension seminars this week!
After the success of this week's seminars we will be running something similar in 2019 - so keep your eyes peeled 👀
If you can't wait until 2019 drop us an email on 📧firstname.lastname@example.org and we will be happy to help!
The 4th Industrial Revolution (#4ir ) is Happening right in front of us:
I have posted an article at the end of this post of HSPCA employees picketing against the implementation of a new cloud computing system.
Let’s assume a number of these employees picketing get retrenched within the next year. Their services will no longer be required for tasks like manual data capturing, database administration and so forth as some of these tasks can be automated.
What are the secondary effects to us, the economy and our world we live in?
Commercial Property: The HSPCA in this case will require less space to house their employees. This means less rental demand and even a slow down or decline in commercial property prices over time. This is already happening at a fast pace in the retail property sector. Just Google "empty malls in america" and you will see what online shopping especially Amazon has done to bricks and mortar in the US. The same trend is happening in South Africa.
Residential Property: The employees that are retrenched will not have a job anymore. They will also not likely find another similar job as the work environment is changing. for those staff members who did those kind of jobs as it is replaced with with computing power. Thus, they will either not pay rent, or pay less rent. This will slow down residential property prices or even reduce residential property prices as demand reduces.
The Government: Government will have a bigger social welfare burden looking after the employees that are unemployed. This will lead to increases in taxes over time for those that still work.
This is how the fourth industrial revolution is happening right in front of our eyes. It is like picking up weight or getting older, you don’t realise it on a daily basis but if you look at an old picture of yourself you see the big difference.
Here the article referred to: https://www.news24.com/Video/SouthAfrica/News/watch-hpcsa-workers-up-in-arms-over-new-cloud-computing-system-20181121
#cloud#cloudcomputing#4thindustrialrevolution#economy#futureofwork#property#financialadvice#pretoriaeast (Image credit theaseanpost)
The IRS will begin accepting tax returns on Jan. 29, with nearly 155 million individual tax returns expected to be filed in 2018. The nation's tax deadline will be April 17 this year – so taxpayers will have two additional days to file beyond April 15. _____________________________________________________________Missed the Tax Deadline for your 2017 return? Don't Worry.
We can prepare and e-File Your 2017 Taxes Now.
If you expect a Tax Refund you have 3 years to file - no penalties. After 3 years you can no longer claim your Refund. For more info on filing your return before 10/15/18 text or email today!
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Referral appreciation in full effect all year!!!! #taxnews#taxes#money#mymoney#empressivetax#taxseason2018#taxseason#yourmoney#savings#taxprep#taxadvice#financialadvice#lawchanges#legislation
Don’t be seduced by a so-called ‘bargain’ this Black Friday. (Is it even a bargain if you wouldn’t otherwise have bought it? 🤔)
Wishing our American friends a Happy Thanksgiving today 🇺🇸 🦃 Save us some of those delicious candied yams 👌#letsmakeitrain
Here are a few photos from our Aged Care & Estate Planning Seminar. Thank you to everyone who attended and a big thank you to Emily & Mark from HDME Lawyers as well as MLC for their presentations. They were of great value to us all.
See link in bio to learn more ☝🏼
Have you found a way to take care of your family?
When you need money, there are only two ways to get money.
Cut down on debt/spending.
Or earn money.
I found a way to take care of my family when my husband was seriously ill and couldn’t work.
I found a way for my husband to be there for all the firsts with his kids.
I found a way to help others change their lives and dream again.
I found a way to find new people and make lifelong friends.
I found a way to bless others who are in need.
I found a way to be able to travel the world.
I found a way that will take care of my kids should something ever happen to myself and my husband.
Have you? What are you doing to change your financial health?
Did you know RoboPlanner is powered by @iQuantifi? Our powerful automated technology was originally created to enable financial institutions to provide comprehensive goal-based planning and investment advice to all their customers 🏦 From past awards to trusted partners like @IBM, we’re finally ready to bring financial planning directly to millennials with the upcoming launch of the MyRoboPlanner app 💰 Big shout-out to Forbes writer @JjeffRose for featuring us on their blog last year 📝 @Forbes #Forbes#MyRoboPlanner#ComingSoon#FinancialPlanning
Many younger Australians are joining the Financial Independence, Retire Early (FIRE) movement. Is it right for you?
When you’re starting out in the workforce and building your career, retirement can seem like a long way away.
And with the age at which you can access your super and age pension creeping up—not to mention the increasing cost of living—you might be steeling yourself for a longer working life.
The stats don’t lie—Australians are staying in the workforce for longer and any thoughts of retiring early are becoming a distant dream for many of us.i
But there’s a growing movement of younger Australians who believe that by following the right set of rules, it’s possible to achieve early retirement.
Popularised by US-based blogger Peter Adeney, better known as Mr Money Mustache, the Financial Independence, Retire Early movement looks more closely at what makes us happy.ii
Changing your spending and saving habits
FIRE is all about following an extremely frugal lifestyle with the aim of retiring as early as your 40s…or even your 30s!
At the core of the FIRE philosophy is changing your attitude towards spending and saving.
But FIRE is more than just following a budget. It’s a whole-of-life movement that inspires fervent belief in its followers.
The FIRE movement encourages its followers to build up seven levels of financial safety by:
investing in property
investing in dividend-yielding assets
building tax-effective super
taking full advantage of social security
looking for entrepreneurial work opportunities
adjusting their lifestyle to live a simpler life.
When it comes to saving, every little bit counts (See our Facebook page for the full article) -
Protect your wallet folks, before you come home with some randomness you don't even need. I barely drink wine and I have absolutely no room (or need) for an air fryer toaster oven. Feel free to call me out if you ever see me talking about how I actually do have to have one in my instastories, lol. #focusedspender#blackfriday
Check out Mark Bouris's commentary on Kochie’s piece around why it’s become so challenging for Australians to get a home loan.
Consumers are eagerly looking for home loans and now has never been a better time for brokers to help customers navigate the tougher lending environment. Come and talk to us for the right loan.
The 18 major steps in giving Financial Advice 😲😩
You see people think they can just walk in, ask questions, get advice on the spot and pay $200 and it's all done...
Not the case...
The problem with Financial Advice is that it costs us A LOT just to give the Advice...before we make any money to keep the doors open and feed our own families...💲
So it is important that when you get Advice you can SEE and UNDERSTAND the value...
Because "cost is what you pay...value is what you get"...
If you get more than you pay for that is a good deal...but if you are behind because of it than what is the point??
A bit of an insight into the process to help you understand the cost of advice and why the investment you are making in yourself is what it is 😁👌❤
Step 2: Believe in yourself. You can take back control. In fact, the less control you have the more someone else has over you and your life. Is that what you want? Someone else calling the shots? You just reacting and trying to manage day-after-day? I didn't think so. Get into action. Create your plan to take back your life.
Offrez encore plus à vos collaborateurs que votre sourire et votre bienveillance – l’attribution des BSPCE vous permet de les associer à la création de valeur de votre startup et leur permet de réaliser une plus-value intéressante lors de la revente. ZOOM sur les BSPCE dans le témoignage de Victoire : LIEN EN BIO !
Join me in congratulating @jkalani_ and @bri_the_pt in paying off $21,00 in just 8 months using the @paychecks2power book as a fundamental resource💪🏾. #paychecks2power#debtfree#debtfreejourney#studentloans#budgeting#debtfreecommunity#Repost @jkalani_
“Make the resolve to live differently tomorrow by investing today!” —Shannaan Dawda
This book is next level inspiring—definitely one of my better investments, as of late. @shannaandawda puts Personal Finance into a tangible, practical perspective that brought me to the realization that the elimination of debt and the amassing of our income in savings and investments can be a reality...if we’re willing to make that initial sacrifice (which we are).
S/O to @shannaandawda, @jjeffrose and @daveramsey for inspiring me to take a more aggressive and proactive approach to my family’s personal finances. As of this morning, @bri_the_pt and I paid off $21,000.00 of student loan debt in 8 months! Navient ain’t got nothin’ on us no mo’!!
In Italy was when I really saw the difference in how in minor ingredients can change the flavour of food. One of my favourite pasta recipes - sun dried tomato and spinach pasta 🍅 - 1. Cook penne in boiling water until it softens. 2. Slice your ball of mozzarella into half inch slices, marinate in oil, garlic and basil then set aside. 3. Sautéed onions, and cook spinach 4. Mix sun dried tomato paste, spinach and sautéed onions with cup of parmesan, 3 table spoons sour cream, one cup broth from pasta that was cooked, garlic and 2 table spoons cut up basil. 5. Stir until thoroughly mixed, then add slices of mozzarella and let it melt and mix. 6. Serve on plate with sprinkle of chopped up basil and Parmesan on top. - Enjoy your meal! 😋 | #foodzillarecipes
Have your cake and eat it too! Sovereign Global encourages your independence as a broker! Visit JoinSovereign to learn more⠀⠀⠀⠀⠀⠀⠀⠀⠀
Small sacrifice for a rosy retirement – As pressure mounts to increase the retirement age and cut back on pension entitlements, it is more important than ever to plan ahead for a comfortable retirement. Sacrificing part of your salary today could reap big rewards in the future and save tax along the way. #emptynestersadvice