What can economists learn from linguists? Behavioural economist Keith Chen introduces a fascinating pattern from his research – that languages without a concept for the future correlate strongly with high savings rates i.e. “It rain tomorrow” instead of “It will rain tomorrow”.

Keith Chen’s new research suggests that the language you speak may impact the way you think about your future.

Total and permanent disability (TPD) insurance can help pay for care and medical expenses in the event of a sudden serious illness or accident.

A childhood passion for “all things nice” had turned into a successful business for Bianca Kristallis, founder of Pamper Hamper, an online luxury gift hamper service that delivers nationally. Pamper Hamper delivers gifts in its signature white box with distinctive black and white ribbon trim. And it’s borne from Kristallis’s obsession with wrapping.

Australia’s mail national welfare group is urging federal Labor to cut nearly $6 billion from the budget by clamping down on superannuation tax breaks, health insurance rebates and the tax treatment of trusts and capital gains.

This month’s Client in Focus is Peter and Andrea Schulz, owners of AP Filter Solutions.

We speak to Peter and Andrea on the success of their business since taking over as distributor, discussing the challenges they encountered throughout their business journey.

Leaving a high flying job in consulting, Angela Lee Duckworth took a job teaching math to seventh graders in a New York public school. She quickly realised that IQ wasn’t the only thing separating the successful students from those who struggled. In this video, Angela explains her theory of “grit” as a predictor of success.

At the University of Pennsylvania, Angela Lee Duckworth studies intangible concepts such as self-control and grit to determine how they might predict both academic and professional success.

Great investors don’t just read about world events, they analyse the likely trickle-down effects of those events on the industries and sectors in which they invest.

There are two important changes all employers should be aware of in relation to superannuation and new gender equality reporting requirements. The first of these is the changes to the superannuation regime which increase employer’s superannuation obligations starting from the 1st July 2013 to compulsory contributions of 9.25%.

For business owners in the building and construction industry, by 21 July (28 July for quarterly instalment lodgers) you will need to report to the Australian Taxation Office all payments made to contractors during the financial year.

This month’s Client in Focus is Ray and Colleen Sullivan, owners of Leader Hydraulics.

We speak to Ray and Colleen on the success of their business since taking over ownership in 2008 and discuss the challenges they encounter on a day-to-day basis.