Champion IT Network, Author at Alpha Advisers Group

All about TPD

Total and permanent disability (TPD) insurance is one of the most important life insurances around. As the name implies, TPD insurance pays you a benefit if you become ill or injured and cannot continue working as you did prior to the illness or injury.

December 2018

The Australian share market continued its fall over the past month. Pretty clearly, this fall is being driven by changing sentiment in the US market. When we look at the drivers of the US market, this does not make a lot of sense. But the old saying appears to be true: when the American market catches a cold, the rest of the world sneezes.

Credit Cards: What’s good about them?

Credit cards can be extremely convenient, especially when you pay them off in full each month and never incur interest. Here are some of the ways that credit cards can make life easier.

Why is Capital Gains Tax the ‘Happy Tax’?

What would you think if we told you that there is a special type of tax that people are always happy to pay? Would you think we had dropped the ball? You shouldn’t. Read on…

Long term thinking leads to serenity

Growth markets can be very risky in the short-term. But if you let time work for you, this risk can fall away dramatically for a long-term investor.

November 2018

Well, we will almost say ‘we told you so.’ Last month we analysed the extraordinary growth of the US share market over the last ten years – and suggested that the main driver of that growth, the technology sector, may be in for a correction. And the correction happened: shares in one company alone (Amazon) fell by 18% across the first 26 days of October, while the (US) market fell 9% overall. Read on to see what this means for the Australian market.

Franking credits

The franking credit system is necessarily complex. But the idea underlying it is quite a simple one. A company’s profits are taxed at the applicable tax rate of each of its shareholders. This article explains exactly how.

Extra help when a child is disabled

Disabled children are treated as adults for tax purposes even if under age 18. This means that they can receive distributions of net income from family trusts and hybrid trusts. This income is taxed normally, rather than under the penalty tax arrangements that usually apply to the unearned income of minors. It can mean that the family pays much less tax.

A life well lived

Too many people look back on their life with regrets. Far from being morbid, realising that our death is inevitable can inspire us to live a better life today.

October 2018

In this newsletter, we look at a very strange phenomenon. In 2008/2009, Australia was one of very few developed economies that did not enter recession as part of the GFC. Despite that, our share market fell by about the same proportion as the US share market. Since then, however, the US market has roared ahead, while the Australian market has grown at a much more gentle pace. Read on to find out the hows and whys of the difference.

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Champion IT Network