Bentley Zeus Financial Advisors

Bentley Zeus Financial Advisors Financial Planners and Aged Care Financial Planning Consultants

There are many companies that will take advantage of inflation and drive prices beyond their natural rate of inflation. ...
25/03/2025

There are many companies that will take advantage of inflation and drive prices beyond their natural rate of inflation. In summary, price gouging is a specific, often exploitative practice that raises prices in certain conditions, while inflation is a general rise in price levels across the economy due to various economic factors.
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This post contains general advice and does not constitute personal or product advice. This information has been provided by Bentley Zeus Pty Ltd as Authorised Representative of Fortunae Pty Ltd and does not take into account your objectives, financial situation or needs. You should consider whether the information within this post is appropriate for you. Where we refer to a financial product you should obtain the relevant Product Disclosure Statement (PDS) or Offer Document and consider it before making any decision about whether to acquire the product.
The content of this post is strictly for informational purposes and should not be construed as advice. It is not intended to guide or influence any actions. Any decisions made based on the information provided are the sole responsibility of the individual. Bentley Zeus Pty Ltd assumes no liability for any outcomes resulting from such actions.

Australia is doing fine, is the simplest answer. We are currently ranked 2nd in budget management compared to other G20 ...
24/03/2025

Australia is doing fine, is the simplest answer. We are currently ranked 2nd in budget management compared to other G20 nations and we are dealing with inflation in a way that is comparable to New Zealand and Canada. While we are all feeling the pinch of inflation, Australia is regarded as having a strong economic management approach, a strong labour market and the RBA has been proactive in adjusting rates to help combat the rate of inflation.
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This post contains general advice and does not constitute personal or product advice. This information has been provided by Bentley Zeus Pty Ltd as Authorised Representative of Fortunae Pty Ltd and does not take into account your objectives, financial situation or needs. You should consider whether the information within this post is appropriate for you. Where we refer to a financial product you should obtain the relevant Product Disclosure Statement (PDS) or Offer Document and consider it before making any decision about whether to acquire the product.
The content of this post is strictly for informational purposes and should not be construed as advice. It is not intended to guide or influence any actions. Any decisions made based on the information provided are the sole responsibility of the individual. Bentley Zeus Pty Ltd assumes no liability for any outcomes resulting from such actions.

Budget changes are one of the only things you can do in times of inflation (we talked about this in December). Unfortuna...
18/03/2025

Budget changes are one of the only things you can do in times of inflation (we talked about this in December). Unfortunately, on the individual level, there is not much that can be done about inflation; what we can do is to ensure that we are adjusting to be able to weather inflation more comfortably. In the simplest sense this means, reducing spending, avoiding luxury purchases and putting more/as much as possible into savings to prepare going forward for potential price increases.
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This post contains general advice and does not constitute personal or product advice. This information has been provided by Bentley Zeus Pty Ltd as Authorised Representative of Fortunae Pty Ltd and does not take into account your objectives, financial situation or needs. You should consider whether the information within this post is appropriate for you. Where we refer to a financial product you should obtain the relevant Product Disclosure Statement (PDS) or Offer Document and consider it before making any decision about whether to acquire the product.
The content of this post is strictly for informational purposes and should not be construed as advice. It is not intended to guide or influence any actions. Any decisions made based on the information provided are the sole responsibility of the individual. Bentley Zeus Pty Ltd assumes no liability for any outcomes resulting from such actions.

Inflation is caused by many external factors, the ones listed are not the only things that can cause inflation however, ...
10/03/2025

Inflation is caused by many external factors, the ones listed are not the only things that can cause inflation however, these are some of the most common.
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This post contains general advice and does not constitute personal or product advice. This information has been provided by Bentley Zeus Pty Ltd as Authorised Representative of Fortunae Pty Ltd and does not take into account your objectives, financial situation or needs. You should consider whether the information within this post is appropriate for you. Where we refer to a financial product you should obtain the relevant Product Disclosure Statement (PDS) or Offer Document and consider it before making any decision about whether to acquire the product.
The content of this post is strictly for informational purposes and should not be construed as advice. It is not intended to guide or influence any actions. Any decisions made based on the information provided are the sole responsibility of the individual. Bentley Zeus Pty Ltd assumes no liability for any outcomes resulting from such actions.

It is important to understand how far-reaching inflation is in its impacts so you can more adequately plan around the im...
06/03/2025

It is important to understand how far-reaching inflation is in its impacts so you can more adequately plan around the impacts of inflation.
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This post contains general advice and does not constitute personal or product advice. This information has been provided by Bentley Zeus Pty Ltd as Authorised Representative of Fortunae Pty Ltd and does not take into account your objectives, financial situation or needs. You should consider whether the information within this post is appropriate for you. Where we refer to a financial product you should obtain the relevant Product Disclosure Statement (PDS) or Offer Document and consider it before making any decision about whether to acquire the product.
The content of this post is strictly for informational purposes and should not be construed as advice. It is not intended to guide or influence any actions. Any decisions made based on the information provided are the sole responsibility of the individual. Bentley Zeus Pty Ltd assumes no liability for any outcomes resulting from such actions.

Definition: Inflation is a general increase in the price level of goods and services in an economy over a period of time...
05/03/2025

Definition: Inflation is a general increase in the price level of goods and services in an economy over a period of time, leading to a decrease in the purchasing power of money.
Not all inflation is the same and it doesn’t all happen at the same rate – sometimes it’s faster and sometimes it’s much more gradual and the rate that inflation happens usually is dictated by outside forces.
Creeping Inflation: A mild rise in prices, typically around 1-3% annually. It is often considered normal in a growing economy.
Walking Inflation: A moderate increase in prices, usually between 3-10% annually. It can start to affect consumer behavior and economic stability.
Galloping Inflation: A rapid increase in prices, often exceeding 10% annually. It can lead to significant economic distortions and loss of confidence in the currency.
Hyperinflation: An extremely high and typically accelerating inflation rate, often exceeding 50% per month. It can lead to the collapse of a country's monetary system and severe economic hardship.
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This post contains general advice and does not constitute personal or product advice. This information has been provided by Bentley Zeus Pty Ltd as Authorised Representative of Fortunae Pty Ltd and does not take into account your objectives, financial situation or needs. You should consider whether the information within this post is appropriate for you. Where we refer to a financial product you should obtain the relevant Product Disclosure Statement (PDS) or Offer Document and consider it before making any decision about whether to acquire the product.
The content of this post is strictly for informational purposes and should not be construed as advice. It is not intended to guide or influence any actions. Any decisions made based on the information provided are the sole responsibility of the individual. Bentley Zeus Pty Ltd assumes no liability for any outcomes resulting from such actions.

Inflation seems like an inescapable word at the moment. It seems like every news outlet and every politician is talking ...
02/03/2025

Inflation seems like an inescapable word at the moment. It seems like every news outlet and every politician is talking about it and putting their 2 cents forward about how to fix it; but what actually is inflation? How does it happen? And could Australia be being doing more or doing better in confronting it? When almost everything has gotten so expensive how can we tell what is true inflation and what is price gouging?
During March we will be looking into all of these questions and more!
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The content of this post is strictly for informational purposes and should not be construed as advice. It is not intended to guide or influence any actions. Any decisions made based on the information provided are the sole responsibility of the individual. Bentley Zeus Pty Ltd assumes no liability for any outcomes resulting from such actions.
This post contains general advice and does not constitute personal or product advice. This information has been provided by Bentley Zeus Pty Ltd as Authorised Representative of Fortunae Pty Ltd and does not take into account your objectives, financial situation or needs. You should consider whether the information within this post is appropriate for you. Where we refer to a financial product you should obtain the relevant Product Disclosure Statement (PDS) or Offer Document and consider it before making any decision about whether to acquire the product.

It can sometimes be hard to know who is and isn’t trustworthy in terms of lending, especially if you are borrowing for t...
27/02/2025

It can sometimes be hard to know who is and isn’t trustworthy in terms of lending, especially if you are borrowing for the first time. Remember to always check ASIC to ensure the lender you are talking to is registered. There are also red flags you should look out for to protect yourself. And while some lenders are registered with ASIC, you should ALWAYS check the interest rate they charge on your repayments (some charge up to 47%).
Unregistered or Unlicensed: Avoid lenders not registered with regulatory bodies like ASIC (in Australia) or equivalent authorities in your country. Always verify their registration status.
High-Pressure Tactics: Be wary of lenders who pressure you to sign immediately or make unrealistic promises, such as "guaranteed approval" or "no credit check."
Lack of Transparency: Untrustworthy lenders often hide fees, interest rates, or loan terms in fine print. Legitimate lenders provide clear, upfront information.
No Physical Address or Contact Information: Scammers often operate online with no verifiable address or phone number. Legitimate lenders have proper contact details.
Unprofessional Communication: Poor grammar, spelling errors, or unsolicited loan offers via email, text, or social media are red flags.
Requests for Upfront Fees: Legitimate lenders don’t ask for upfront payments or fees before approving a loan. This is a common scam tactic.
No Credit Checks: Reputable lenders assess your ability to repay. If a lender doesn’t perform a credit check, it’s a sign they may not be legitimate.
Negative Reviews or Complaints: Research the lender online. Look for reviews, complaints, or warnings from other borrowers.
Unreasonable Terms: Extremely high interest rates, short repayment periods, or harsh penalties for late payments are signs of predatory lending.
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The content of this post is strictly for informational purposes and should not be construed as advice. It is not intended to guide or influence any actions. Any decisions made based on the information provided are the sole responsibility of the individual. Bentley Zeus Pty Ltd assumes no liability for any outcomes resulting from such actions.

Good debt and bad debt are distinguished by their purpose, potential returns, and impact on your financial health. **Goo...
26/02/2025

Good debt and bad debt are distinguished by their purpose, potential returns, and impact on your financial health. **Good debt** is typically used to finance investments that can increase in value or generate long-term benefits, such as a mortgage for a home, student loans for education, or a business loan to expand operations. These types of debt often have lower interest rates and can contribute to wealth-building or income growth over time.
On the other hand, **bad debt** is used to purchase items that lose value quickly or provide no lasting benefit, such as high-interest credit card debt for discretionary spending or luxury items. Bad debt often comes with high interest rates, making it costly to carry over time, and it doesn’t contribute to improving your financial situation. The key difference lies in whether the debt helps you build wealth or simply drains your resources.
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This post contains general advice and does not constitute personal or product advice. This information has been provided by Bentley Zeus Pty Ltd as Authorised Representative of Fortunae Pty Ltd and does not take into account your objectives, financial situation or needs. You should consider whether the information within this post is appropriate for you. Where we refer to a financial product you should obtain the relevant Product Disclosure Statement (PDS) or Offer Document and consider it before making any decision about whether to acquire the product.
The content of this post is strictly for informational purposes and should not be construed as advice. It is not intended to guide or influence any actions. Any decisions made based on the information provided are the sole responsibility of the individual. Bentley Zeus Pty Ltd assumes no liability for any outcomes resulting from such actions.

You should never (and we mean NEVER) borrow from anyone who is not registered with ASIC and does not hold an AFSL. First...
23/02/2025

You should never (and we mean NEVER) borrow from anyone who is not registered with ASIC and does not hold an AFSL.
First, ASIC-registered lenders are required to comply with strict regulatory standards, ensuring they operate fairly, transparently, and ethically. This protects borrowers from predatory practices, such as excessively high interest rates, hidden fees, or unfair loan terms. Second, registered lenders are obligated to follow responsible lending practices, which means they must assess your financial situation to ensure you can afford the loan without undue hardship. This reduces the risk of over-indebtedness. Finally, if any disputes arise, you have access to formal complaint resolution mechanisms and protections under Australian law. Borrowing from unregistered lenders, on the other hand, can expose you to significant risks, including scams, unmanageable debt, and a lack of legal recourse.
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This post contains general advice and does not constitute personal or product advice. This information has been provided by Bentley Zeus Pty Ltd as Authorised Representative of Fortunae Pty Ltd and does not take into account your objectives, financial situation or needs. You should consider whether the information within this post is appropriate for you. Where we refer to a financial product you should obtain the relevant Product Disclosure Statement (PDS) or Offer Document and consider it before making any decision about whether to acquire the product.
The content of this post is strictly for informational purposes and should not be construed as advice. It is not intended to guide or influence any actions. Any decisions made based on the information provided are the sole responsibility of the individual. Bentley Zeus Pty Ltd assumes no liability for any outcomes resulting from such actions.

Debt can be a powerful financial tool when managed responsibly. It allows individuals and businesses to make significant...
20/02/2025

Debt can be a powerful financial tool when managed responsibly. It allows individuals and businesses to make significant investments, such as purchasing a home, funding education, or expanding operations, without needing to save the full amount upfront. By leveraging debt, one can potentially generate returns that outweigh the cost of borrowing, such as through appreciating assets or increased income. Additionally, responsibly managing debt can help build a strong credit history, which can lead to better borrowing terms in the future. However, it’s crucial to borrow within one’s means and have a clear repayment plan to avoid financial strain.
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This post contains general advice and does not constitute personal or product advice. This information has been provided by Bentley Zeus Pty Ltd as Authorised Representative of Fortunae Pty Ltd and does not take into account your objectives, financial situation or needs. You should consider whether the information within this post is appropriate for you. Where we refer to a financial product you should obtain the relevant Product Disclosure Statement (PDS) or Offer Document and consider it before making any decision about whether to acquire the product.
The content of this post is strictly for informational purposes and should not be construed as advice. It is not intended to guide or influence any actions. Any decisions made based on the information provided are the sole responsibility of the individual. Bentley Zeus Pty Ltd assumes no liability for any outcomes resulting from such actions.

Debt is not a dirty word! Often when we think about debt it gives us a sense of anxiety, but debt is not always a bad th...
18/02/2025

Debt is not a dirty word! Often when we think about debt it gives us a sense of anxiety, but debt is not always a bad thing. While, of course, it is necessary to manage your debt properly and try to only take on positive debt.
We are going to be exploring debt and what positive and negative debt look like as well as how to identify untrustworthy lenders.
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This post contains general advice and does not constitute personal or product advice. This information has been provided by Bentley Zeus Pty Ltd as Authorised Representative of Fortunae Pty Ltd and does not take into account your objectives, financial situation or needs. You should consider whether the information within this post is appropriate for you. Where we refer to a financial product you should obtain the relevant Product Disclosure Statement (PDS) or Offer Document and consider it before making any decision about whether to acquire the product.
The content of this post is strictly for informational purposes and should not be construed as advice. It is not intended to guide or influence any actions. Any decisions made based on the information provided are the sole responsibility of the individual. Bentley Zeus Pty Ltd assumes no liability for any outcomes resulting from such actions.

Address

66 Summer Street
Orange, NSW
2800

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61263691578

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