coffee & chat
Your credit score plays a crucial role in securing a home loan, car loan, or even a credit card. But what exactly is it, and how can you improve it? what is a credit score? A credit score is a numerical rating that represents your creditworthiness – essentially, how reliable you are at repaying debt. Lenders use this score to assess how likely you are to repay loans. Credit scores typically range from: 0 to 1,000 (sometimes up to 1,200) 690+ is excellent, and 540+ is...
by the bongiorno groupIt’s tough when children want the latest gadgets, games, or toys – and they want them now. But teaching kids about money isn’t just about saying ‘no’ to purchases. It's an opportunity to shape their financial future. From an early age, children can learn the basic principles that will guide them in making smart financial decisions. Teaching budgeting, saving, and the difference between wants and needs builds a solid foundation for developing a healthy relationship with...
by the bongiorno groupgetting ready to buy a house: a step-by-step guide for doctors Buying a house is a major milestone – and often the biggest financial commitment you’ll ever make. While it’s exciting to scroll through property listings and attend open homes, securing finance is where the real journey begins. Before you get too attached to a dream home, it’s crucial to understand what you can afford and how to navigate the loan process smoothly. understand your borrowing...
by the bongiorno group
Your credit score plays a crucial role in securing a home loan, car loan, or even a credit card. But what exactly is it, and how can you improve it? what is a credit score? A credit score is a numerical rating that represents your creditworthiness – essentially, how reliable you are at repaying […]
It’s tough when children want the latest gadgets, games, or toys – and they want them now. But teaching kids about money isn’t just about saying ‘no’ to purchases. It’s an opportunity to shape their financial future. From an early age, children can learn the basic principles that will guide them in making smart […]
getting ready to buy a house: a step-by-step guide for doctors Buying a house is a major milestone – and often the biggest financial commitment you’ll ever make. While it’s exciting to scroll through property listings and attend open homes, securing finance is where the real journey begins. Before you get too attached to a […]
If you’re a high-income earner contributing to superannuation, you may find yourself hit with an additional Division 293 tax. Designed to reduce tax concessions for high earners, Division 293 adds an extra 15% tax on concessional super contributions for individuals earning over $250,000. While it might come as an unwelcome surprise, it’s important to understand […]
Locum work offers doctors flexibility and high earning potential, but it also comes with tax complexities. why consider locum work? Locum work provides doctors with the freedom to choose your working hours and locations. Some doctors take on locum shifts to supplement income, fund travel, or experience different healthcare systems across Australia. Locum contracts […]
avoiding financial stress during your fellowship years If you’ve been accepted for a Fellowship – congratulations! It’s an exciting opportunity to advance your career, but the last thing you want is financial stress while you’re away. Having a solid financial plan in place before you leave is essential. Fellowships often mean big lifestyle and income […]
advisers Ricky and Mitch discuss the key takeouts of session two of the my investment journey presentation by BlackRock ishares
by the bongiorno group
Higher uncertainty and greater volatility may define today’s investment landscape, but for informed investors, this environment also brings opportunity. In our latest podcast episode of The Money Doctors, Beatrice Yeo, CFA, Investment Strategist at BlackRock, joins our Director, Vanessa Smith to explore how long-term structural megaforces including AI, geopolitical fragmentation and demographic shifts offer […]
by the bongiorno groupBlended families are increasingly common in Australia, but they can make estate planning complex. Without a clear will or structure in place, questions of inheritance can quickly lead to conflict. Family lawyer Vic Rajah discusses with the Bongiorno Group’s Chantelle Turner how blended families can plan effectively using wills, testamentary trusts, and neutral executors. […]
by the bongiorno groupHaving income protection in place is one thing—knowing it will deliver when you need it most is another. The Bongiorno Group’s Ricky Caldow and Mitch McKeown return to discuss a real-life income protection claim involving one of their medical clients. The case highlights the critical role insurance plays in supporting professionals through serious health […]
by the bongiorno groupadvisers Ricky and Mitch discuss the key takeouts of session two of the my investment journey presentation by BlackRock ishares
by the bongiorno groupA quick hello from the students we support at St Jude’s – Saumu and Warda
by the bongiorno groupif you are a doctor or a dentist working in the public healthcare system, salary packaging can reduce the tax you pay
by the bongiorno groupunderstand how the tax management system works to maximise your financial effectiveness
by the bongiorno group
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