Yep, you read it right! My fridge did indeed give me heavy metals poisoning.  To find out more, watch my video!

One of the best productivity apps I have come across is being able to scan documents and receipts by just using your smart phone!  The particular app that I am road testing today is called CamScanner!  Please watch the below video for further information

When travelling overseas it can be quite difficult to work out what is the best method for buying or spending money in a foreign country. 

Do you just take a lot of foreign currency/cash with you or do you use travellers cheques (a bit old school maybe) or what about credit cards?  Are the new travel money cards the way to go?

With so many options, I thought I would help you by putting together a video which summarises each method and the pros and cons of each.  I have also included my travel tips of what I use when travelling.

• The income tax threshold at which the 37% tax applies will increase to $87,000 pa on 1 July 2016, from the current $80,000 pa.
• The tax rate that applies to small business companies will reduce to 27.5% for businesses with a turnover up to $10 million in 2016/17. Further tax concessions will apply in future financial years.
• A range of superannuation measures will also apply from 1 July 2017.
• A lifetime limit of $1.6m will be placed on the amount of superannuation that can be transferred to start pensions
• A lifetime cap on non-concessional (after-tax) superannuation contributions of $500,000 will apply from 7.30pm on 3 May 2016.
• The annual cap on concessional (pre-tax) super contributions will reduce to $25,000, regardless of age.
• Those aged between 65 and 74 will be able to make super contributions regardless of whether they work or not.
• Tax deductions will be able to be claimed for personal contributions regardless of employment status.
• Earnings on investments held in ‘transition to retirement’ pensions will be taxed at 15% (currently 0%).

In a recent trip overseas, my daughter hit a tree whilst skiing! It not only shocked us as we witnessed the whole accident, but she had to be stretchered down the mountain by ski patrol to a waiting ambulance and whisked off to hospital. After getting CT scans of her head and spine, she miraculously avoided any broken bones, brain or spinal damage. We were incredibly grateful and as only a parent would understand, we had a stiff drink or two afterwards to calm our nerves!

At the same time, we were also left with a $17,500 hospital bill for just 3 hours in the emergency department. I would hate to see what it would have been if she had to have an operation, be in intensive care or an extended stay in hospital.

Anyway, we quickly got to know (fairly intimately) the terms and conditions of our complimentary credit card travel insurance. In this regard, I am pleased to say that we ended up with a successful claim, but there was a lot of key conditions and grey areas within the policy. Accordingly, I have recorded the above video with a couple of key take outs for using complimentary credit card travel insurance. Hope you find it useful!

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