--- title: "Blogs - Sapience Financial" description: "Our Financial Blog is for people who want to grow and remain wealthy. While the journey toward wealth is clearly marked, you do have to be looking in the right direction." url: "https://mail.sapience.com.au/blog?start=42" date: "2026-06-15T18:00:38+00:00" language: "en-GB" --- # Blog ### Welcome to our Personal Finance Blog ![Pic of Senior Advisor Drew Browne](https://mail.sapience.com.au/images/author-pic/ceo-drew-browne-round.png) Money bewilders most of us. How to spend it, save it, invest it, and how to best protect the person who makes it. These questions we all face daily — a puzzle we all attempt to understand and solve just about every day. Yet despite money's centrality to our lives and businesses, it's something we all grapple with, and mostly in private. - Money is the 'Lord Voldemort' of topics — feared by most and mentioned by a few. It's oddly uncomfortable to discuss socially and rarely even with our partners, parents, and children. Perhaps that's because managing our money and life's risks inevitably involves the fusion of both the emotional and practical aspects of our decision-making processes. **The most difficult of questions are those with both economic and emotional answers**. At Sapience, we're all about **The How**. Our educational **Personal Finance Blog** is for people who want to grow and remain wealthy. And while the journey toward wealth is clearly marked, you still have to be looking in the right direction. ### Explore Our Blog by Speciality Select a speciality below to view our curated specialist insights and practical strategies. [🧠 Evolutionary Finance](https://mail.sapience.com.au/insights/evolutionary-finance) [🌳 Family, Legacy & Aging](https://mail.sapience.com.au/insights/family-legacy-aging) [⚖️ Estate Law & Succession Planning](https://mail.sapience.com.au/insights/estate-law-succession) [🛡️ Specialist Risk & Insurance](https://mail.sapience.com.au/insights/specialist-risk-insurance) [🤝 Small Business Risk & Partnership](https://mail.sapience.com.au/insights/small-business-risk-partnership) [🌍 Social Leadership & Conscious Business](https://mail.sapience.com.au/insights/social-leadership-conscious-business) [🏠 Wealth Builders & Home Finance](https://mail.sapience.com.au/insights/wealth-builders-home-finance) [📰 Sapience General Archive](https://mail.sapience.com.au/insights/sapience-general-archive) ![Not made by AI sapience financial](https://mail.sapience.com.au/images/icons/not-made-by-AI-sapience-financial-black.png) --- [ ![Proud grandfather and grandson sharing a special moment](https://mail.sapience.com.au/images/blog/intro-owning-overseas-assets-and-making-an-australian-will-document-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/owning-overseas-assets-and-making-an-australian-will-document "Owning Overseas Assets and making an Australian Will document") ## [ Owning Overseas Assets and making an Australian Will document ](https://mail.sapience.com.au/blog/owning-overseas-assets-and-making-an-australian-will-document) --- ### Owning Overseas Assets and making an Australian Will document No Problem, when you know what you're doing; Concurrent Wills and the Hague Convention on Foreign Documents. - [ modern estate planning ](https://mail.sapience.com.au/all-tags/modern-estate-planning) - [ concurrent wills ](https://mail.sapience.com.au/all-tags/concurrent-wills) - [ ⚖️ Estate Law & Succession Planning ](https://mail.sapience.com.au/insights/estate-law-succession) [ Read more … ](https://mail.sapience.com.au/blog/owning-overseas-assets-and-making-an-australian-will-document) [ ![Proud grandparents and their grandchildren](https://mail.sapience.com.au/images/blog/intro-gifts-loans-and-debt-forgiveness-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/gifts-loans-and-debt-forgiveness "Gifts, Loans and Debt Forgiveness") ## [ Gifts, Loans and Debt Forgiveness ](https://mail.sapience.com.au/blog/gifts-loans-and-debt-forgiveness) --- ### Gifts, Loans and Debt Forgiveness (and the Wisdom to know the difference) In our busy financial world, generosity can have consequences you may not be initially aware of. 'When,' is usually the first question a generous person asks. The next questions, often missed in the excitement should be, ‘how to protect the gift; should I make it a loan', and ultimately, 'when and how could I cancel (the legal term is forgive) a loan at a time in the future?' - [ modern estate planning ](https://mail.sapience.com.au/all-tags/modern-estate-planning) - [ deed of debt forgiveness ](https://mail.sapience.com.au/all-tags/deed-of-debt-forgiveness) - [ deed of gift ](https://mail.sapience.com.au/all-tags/deed-of-gift) - [ 🌳 Family, Legacy & Aging ](https://mail.sapience.com.au/insights/family-legacy-aging) [ Read more … ](https://mail.sapience.com.au/blog/gifts-loans-and-debt-forgiveness) [ ![medical gloved hand holding with marijuana leaf](https://mail.sapience.com.au/images/blog/intro-Tips-for-Applying-for-Life-Insurance-While-Using-Cannabis-Oil-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/tips-for-applying-for-life-insurance-while-using-cannabis-oil "Tips for Applying for Life Insurance when using Cannabis Oil") ## [ Tips for Applying for Life Insurance when using Cannabis Oil ](https://mail.sapience.com.au/blog/tips-for-applying-for-life-insurance-while-using-cannabis-oil) --- ### How Does Cannabis Oil (CBD Oil ) Affect Your Life Insurance Application? Have you ever been at a BBQ with friends and heard the question asked, 'Can a person get life insurance if they use Cannabis Oil?' Its a really good question so here's our really good answer. - [ life insurance ](https://mail.sapience.com.au/life-insurance/life-terminal-illness-insurance) - [ income protection ](https://mail.sapience.com.au/all-tags/income-protection) - [ Recreational drug use ](https://mail.sapience.com.au/all-tags/recreational-drug-use) - [ 🛡️ Specialist Risk & Insurance ](https://mail.sapience.com.au/insights/specialist-risk-insurance) [ Read more … ](https://mail.sapience.com.au/blog/tips-for-applying-for-life-insurance-while-using-cannabis-oil) [ ![the number 20 on an orange car door](https://mail.sapience.com.au/images/blog/intro-20-most-frequently-asked-questions-about-being-an-executor-in-a-will-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/20-most-frequently-asked-questions-about-being-an-executor-in-a-will "Our 20 Most Frequently Asked Questions about being named the Executor of a persons Will") ## [ Our 20 Most Frequently Asked Questions about being named the Executor of a persons Will ](https://mail.sapience.com.au/blog/20-most-frequently-asked-questions-about-being-an-executor-in-a-will) --- ### Our 20 Most Frequently Asked Questions about being the Executor named in a persons Will It's not long until you'll meet someone who has been named as the Executor in a family members Will Document or a friends Estate Planning. But what does that actually entail? As modern life, love and business (and the inevitable passing or us all) becomes more complicated, having a plan in place ahead of time, just in case, makes the life of those we inevitably leave behind less difficult. It also helps us sleep better knowing we've down our best to protect and provide for those we love. Getting your own estate planning sorted today is truly an act of love and provision. **Browse through the 20 questions titles below and test your knowledge about this important task.** - [ executors ](https://mail.sapience.com.au/all-tags/executors) - [ modern estate planning ](https://mail.sapience.com.au/all-tags/modern-estate-planning) - [ ⚖️ Estate Law & Succession Planning ](https://mail.sapience.com.au/insights/estate-law-succession) [ Read more … ](https://mail.sapience.com.au/blog/20-most-frequently-asked-questions-about-being-an-executor-in-a-will) [ ![](https://mail.sapience.com.au/images/blog/intro-predicting-the-weather-before-you-land-business-exits-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/time-flies-when-youre-having-fun-but-even-faster-when-youre-in-small-business "Time flies when you’re having fun but even faster when you're in Small Business") ## [ Time flies when you’re having fun but even faster when you're in Small Business ](https://mail.sapience.com.au/blog/time-flies-when-youre-having-fun-but-even-faster-when-youre-in-small-business) --- ### Planning to Exit your Small Business in the next 15 years? What will the weather be like then? Plans and Planning are different. For starters, plans are abstract. Anyone can have a plan. But planning is practical. And planning for a Small Business Exit, needs to begin at least 15 years before you expect to call it a day, slow down and retire. - [ pre retirement ](https://mail.sapience.com.au/all-tags/pre-retirement) - [ pre-retirement planning ](https://mail.sapience.com.au/all-tags/pre-retirement-planning) - [ business ownership ](https://mail.sapience.com.au/all-tags/business-ownership) - [ Shareholder and Capital Protection ](https://mail.sapience.com.au/all-tags/shareholder-and-capital-protection) - [ business exit ](https://mail.sapience.com.au/all-tags/business-exit) - [ 🤝 Small Business Risk & Partnership ](https://mail.sapience.com.au/insights/small-business-risk-partnership) [ Read more … ](https://mail.sapience.com.au/blog/time-flies-when-youre-having-fun-but-even-faster-when-youre-in-small-business) [ ![](https://mail.sapience.com.au/images/blog/intro-bad-night-bad-romance-bad-super-binding-death-nomination-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/bad-night-bad-romance-bad-super-binding-death-nomination "Bad Night? Bad Romance? Bad Super Binding Death Nomination?") ## [ Bad Night? Bad Romance? Bad Super Binding Death Nomination? ](https://mail.sapience.com.au/blog/bad-night-bad-romance-bad-super-binding-death-nomination) --- ### "Can I break up with my de facto via SMS?" When it came to $1,120,000 from a Super Binding Death Nomination, either way the court has said, ‘you can't end a de facto relationship over a TXT message' (sent to your sister)’. - [ defactos ](https://mail.sapience.com.au/all-tags/defactos) - [ superannuation ](https://mail.sapience.com.au/all-tags/superannuation) - [ binding death nominations ](https://mail.sapience.com.au/all-tags/binding-death-nominations) - [ ⚖️ Estate Law & Succession Planning ](https://mail.sapience.com.au/insights/estate-law-succession) [ Read more … ](https://mail.sapience.com.au/blog/bad-night-bad-romance-bad-super-binding-death-nomination) 1. [ The recipe for disaster that is leaving Specific Gifts in Wills](https://mail.sapience.com.au/blog/the-recipe-for-disaster-that-is-specific-gifts-in-wills) 2. [ Just to let you know, 'We're Moving' AFSLs](https://mail.sapience.com.au/blog/we-are-moving) 3. [ When do you need a Company Power of Attorney?](https://mail.sapience.com.au/blog/when-do-you-need-a-company-power-of-attorney) 4. [ When Home is Not the Safest Place](https://mail.sapience.com.au/blog/when-home-is-not-the-safest-place) 5. [ Federal Budget Summary 2024-25](https://mail.sapience.com.au/blog/federal-budget-summary-2024-25) 6. [ Can you be disqualified from running an SMSF?](https://mail.sapience.com.au/blog/can-you-be-disqualified-from-running-an-smsf) 7. [ What happens to my government HECS or HELP Debt when I die?](https://mail.sapience.com.au/blog/what-happens-to-my-government-hecs-or-help-debt-when-i-die) ### [ Modern Small Business Leadership](https://mail.sapience.com.au/blog/modern-small-business) Page 8 of 49 ## Schema ```json { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home |", "item": "https://mail.sapience.com.au" }, { "@type": "ListItem", "position": 2, "name": "Blogs", "item": "https://mail.sapience.com.au/blog" } ] } ```