Jane Clark in Kingborough | Financial planner

Jane Clark

Locality: Kingborough

Phone: +61 419 905 114

Address: 29 John Street 7050 Kingborough, TAS, Australia

Website: http://www.janeclarkfinancialmanagement.com.au/

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25.01.2022 If there is one thing most of us have in common at the moment, it is how tired we are all feeling. The Covid Shutdown has left many of us feeling quite worn out. A tired mind can make tired decisions, and so in our last article for the 2019/2020 year, we thought we would write about the best way to make good financial decisions.....

25.01.2022 This week, we thought we would look at an issue that some of us are likely to face, as the impact of Coronavirus affects people we know and love.....

24.01.2022 The ability to turn a complex idea into a simple set of habits is usually the secret to success. This week, we thought we would ‘boil’ financial management down to a simple mathematical formula which many successful people have applied in their own lives. We call it the ‘wealth equation.’ In its most basic form, here is how it looks:

18.01.2022 WHAT IS SUPER CONSOLIDATION? If you have ever changed jobs, then the chances are that you have more than one super fund. This means you are potentially paying more than one set of fees to manage your super. The more you pay, the less you have and over time even small savings can really add up. Consolidating your super simply means combining the benefits held in two or more funds into one fund. This simple step can save you time and money and these savings can really add u...p over time. THINGS TO REMEMBER.... You should always get advice before you consolidate your super. This will ensure that the consolidation is done the right way. For example, your ‘lost super’ fund might have some life insurance cover that you want to hold on to. If you move all of your benefits out of such a fund, you lose the life insurance. Similarly, you need to ensure that the fund into which you consolidate your benefits is truly the best one for you, both now and in the future. Super can be complicated, so please talk to us today if you or someone you know wants to consolidate their super See more

18.01.2022 Did you ever notice that things don't always go according to plan? If we are going to pivot and adjust our plans as circumstances change, we need to have the right attitude to be able to look for solutions, otherwise we can get "stuck in the mud" rather than looking for the way forward. New results require new actions - make sure you have the right attitude so you can take the new action that will move you forward today ... Success is understanding that life is attitude...

17.01.2022 The ‘mental side’ of money management is always important. Given the events of 2020, how we think about money has become even more vital.

17.01.2022 Do you have a financial plan to reach your success goals? Success can mean different things to different people - but if you don't have a plan, you will never reach your goals! Many people tell me that they can't save - and the answer is simple - we need to have a savings plan and save before we spend, rather than saving whatever is leftover. The artist who created the sculpture I am standing with at the Hobart Botanical Gardens was a great planner - I remember visiting his home when he was in the middle of one creating of his amazing sculptures and he was able to give my son a task to help him - because his plan allowed for 'unscheduled assistants' coming to help. Likewise our financial plan needs to have provision for 'unscheduled expenses'. Do you have a plan for the unexpected?

16.01.2022 Many people who have not started saving will read this analysis and think to themselves I should have started five years ago! In some ways, they are right. But it is a bit like finding a tree to hang your hammock from: the best time to plant that tree from was always 5 years ago. But the next best time to plant that tree is right now. Five years from now you can be happily swinging in the shade and congratulating yourself on your forward planning......

16.01.2022 Sunday marks a pivotal date in Australia’s journey out of the economic troubles caused by the Coronavirus. The Commonwealth Government’s main economic response to the pandemic, it’s ‘Jobkeeper’ payment, will not continue beyond March the 28th. If the end of the program affects you, please get in touch!

15.01.2022 At least a quarter of a million Australians reside in residential aged care at any one point in time. As we saw last week, residents in aged care are asked to pay a range of fees for their stay. In this article we look a little more closely at the largest of these fees: the accommodation fee....

14.01.2022 Do you have decision fatigue at the moment? It is important to make decisions, but also just important that you are making good financial decisions.

13.01.2022 Christmas is just around the corner and after a difficult year, the pressure is building to make Christmas perfect! The challenge is going to be how you pay for it! Your credit card can be your best friend or your worst enemy, depending on how you use it. Credit cards can be used for just about anything. And they are ridiculously convenient. Shopping for groceries? Simply tap the terminal and away you go. Ordering food or transport? Load your credit card details once and p...ayment is automatic. Buying online? Never been easier. But stop and think about the longer term effects of paying for the perfect Christmas on credit card - this year I want to encourage you to think a bit more laterally - set a budget and support local businesses! What are some of the ways you are going to make Christmas special this year without breaking the budget? See more

12.01.2022 Women in Business - Coffee Catch UpHappy Sunday !!! Our next get together is on this Tuesday 28th July at 10am.

12.01.2022 Covid 19 means that many household budgets are under pressure. Many of our clients are looking closely at all of their spending. For some people, this review includes thinking about their life insurances. As we will discuss below, any decision to discontinue or reduce life insurance should only be made after very careful consideration. Restorations may not turn out the way you think they will.

11.01.2022 Changes are happening to income protection insurance. In recent weeks we have discussed two major changes happening in the income protection world. This week, we discuss the third change, which affects the duration of an existing policy.

10.01.2022 If you are finding your finances too hard to think about, ask yourself a basic question: what time of the day or week am I trying to think about them? Is it the time of day or week when I am at my best? If not, then make a deliberate effort to make a change....

06.01.2022 I posted this blog a couple of months ago, and because the second round of early super access is now available I've posted it again. Before you make a decision on accessing money from your super, consider the pros and cons from a financial professional rather than the media hype....

06.01.2022 Welcome to our newsletter for July. This is also the newsletter in which we reflect on the month of June, which is of course the last month of the 2019/2020 financial year. And what a year it’s been! We have never seen anything like it - and we sincerely hope never to see anything like it again. In this newsletter, we focus on the impact of the coronavirus on the two major investment markets: the sharemarket and the residential property market. We also look at some representative pieces of commercial property to examine the impact of the virus on the commercial property sector to date and the expected impact on that sector into the future. We hope you enjoy the newsletter and we wish you all the very best for the financial year just commencing.

06.01.2022 The is my other office - I meet clients at Goodsoil in Kingston on Wednesdays and other days by appointment.

06.01.2022 I know that I have share this before, but it is something we all need to. be reminded about regularly... At some stage, most of us will be asked to lend money to family or friends. Usually, we are only too happy to help. After all, what are family and friends for if not to help each other out. That said, mixing money and relationships can be problematic. In this article, we discuss various ways to minimise the risk of the loan going wrong and a relationship suffering.

05.01.2022 When was the last time you reviewed your income protection insurance? Your personal insurance is part of your overall financialplanning. So many people are confused about the insurances that they have - they took out policies that they didn't understand and have never reviewed them. You need to review your insurances every few years - especially as your circumstances change....... - You have got married, purchased a home and started a family - Has your family have grownup and left home? - Are you are preparing for retirement? You might have income protection in your super as well as personally - but might be only able to claim on one policy depending on the terms. Don't put it off - review your insurances today!

05.01.2022 More than 1.2 million Australians receive some form of aged care. Of these, about 23% of people are using residential aged care. Residential aged care is something all of us should expect, either for ourselves or for a loved one. The good news is that anything we expect can be planned for!

04.01.2022 Melissa Donaldson-Hey - this might keep us out of trouble for 5 minutes!

04.01.2022 Welcome to the November newsletter. This month we look at how Australian shares performed for the month of October, and also take a look at some really surprising news from the residential property markets. Oh, and there was this thing last month called the Budget. We have a good look at that, as well. Enjoy! https://www.janeclarkfinancialmanagement.com.au//newslette

04.01.2022 August 2020 The share market, interest rates and the residential property market. Not simple concepts, but in this our August newsletter we look at each of them in turn, paying particular attention to the impact that Melbourne’s resurgence in Coronavirus numbers might mean for them. https://www.janeclarkfinancialmanagement.com.au//august-2/

04.01.2022 Most couples prefer not to think about ‘splitting.’ But, as the financial year ends, there is one form of splitting that happy couples can safely think about.

03.01.2022 CAPM is much loved by share market analysts. It usually looks like this: Ra=Rrf+a(RmRrf) The idea that Ra = or Makes Us

03.01.2022 Changes are happening to income protection insurance. One of the main changes has already taken effect and we discussed it in an article two weeks ago. There are two more major changes, the first of which we discuss this week. We will discuss the final change next week.

02.01.2022 Good financial management is all about good decision making. This week, we want to talk about a simple way to help yourself make better decisions. Given that most of the country will remain in some form of lockdown for the foreseeable future, it is a method that makes even more sense for those of whose lifestyles have been seriously disrupted.

01.01.2022 Helping family into the property market Rising house prices are great news for people who already have a home, but not so good for those yet to buy. This week, we look at ways families can work together to make buying a home a reality.

01.01.2022 March 2021 Australia’s residential property market is really hotting up. Some analysts predict a 20% rise in prices over the 2021 and 2022 years. If February is anything to go by, this may well happen. Meanwhile, the share market tracked sideways during February. Read on to find out more....