https://www.ballingers.com.au/blog daily 0.75 2026-05-04 https://www.ballingers.com.au/blog/can-you-hear-me-now monthly 0.5 2026-05-04 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/e154aab0-4e1a-4001-b1a7-bb9145a7383c/Hearing-aid-designed-for-you_3.jpg Articles - Can You Hear Me Now? - What Are the Options? There are three main paths when it comes to hearing aids in Australia: a private audiologist, a big-box retailer (hello, Costco), or the government's own Hearing Services Program. Each comes with its own trade-offs on cost, quality, and service. https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/809ba08e-9e71-4499-8dd0-f67b7207f2f4/audiologist.jpg Articles - Can You Hear Me Now? - The Private Audiologist Route Seeing a private audiologist is the Rolls Royce experience. You get a thorough diagnostic assessment, a clinician who knows your file, and access to the full range of devices from all major manufacturers. Premium hearing aids through this channel can run from around $6,000 to $14,000 per pair, and yes, that figure is real. At the top end you are paying for AI-powered noise cancellation, multi-environment memory, seamless Bluetooth streaming, and a level of personalised fitting and follow-up care that is hard to match anywhere else. The ongoing relationship matters too. A good audiologist will fine-tune your devices over months as your hearing and lifestyle needs become clearer. If you have complex hearing loss, tinnitus, or asymmetric hearing between ears, this level of specialist care can make an enormous practical difference to daily life. Private health insurance extras may cover a portion of the cost, so it is always worth checking your policy before you reach for the credit card. https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/085518a9-46da-41eb-bdfb-e6a0fd5247fc/Cosco+Hearing+aid+centre.jpg Articles - Can You Hear Me Now? - The Costco Option Costco has quietly become one of the largest hearing aid retailers in the world, and for straightforward age-related hearing loss it is genuinely hard to argue with the value proposition. Hearing aids at Costco run around $2,200 per pair, which includes a free comprehensive hearing test. The devices themselves are made by the same major manufacturers that supply private clinics, and the technology is competitive. The catch is that the care model is more transactional. Staff are typically hearing instrument specialists rather than audiologists, appointments can be in short supply, and the experience varies considerably between locations. If you can find a Costco centre with a strong practitioner, it can be excellent. If not, you may find yourself doing more of the ongoing management yourself. Costco does include unlimited free follow-up appointments and a six-month return policy, which reduces the risk of being stuck with something that does not work for you. https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/41eb3573-765c-4b39-95f9-7ec602683581/Hearing+Australia.jpg Articles - Can You Hear Me Now? - The Option Many People Miss: The Government Hearing Services Program This is the one that surprises most people. If you hold a Pensioner Concession Card or a DVA Gold or White Card, you may be eligible for fully subsidised hearing aids at no cost to you through the Australian Government's Hearing Services Program (HSP). That means a comprehensive hearing assessment, device fitting, and follow-up care, potentially for nothing. The subsidised devices are quality digital hearing aids covering the essentials; noise reduction, feedback suppression, automatic volume control, and directional microphones. If you want more advanced features like Bluetooth connectivity, those models are available at a partial subsidy, meaning you pay a reduced top-up rather than the full private price. Under the program, eligible clients generally receive new devices every five years, or sooner if their hearing changes significantly. A Commonwealth Seniors Health Card, unfortunately, does not qualify, it needs to be a Pensioner Concession Card or a DVA card. To learn more about the Government Hearing Services Program click HERE! Accredited providers include Hearing Australia, Audika, Amplifon, Specsavers, and many independent clinics. No GP referral is required to get started. https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/886cdc9e-2d79-4d04-963f-6c427b765eb7/hearing-services-program-visual-identity-graphics.jpg Articles - Can You Hear Me Now? - What Should You Look For? Regardless of which path you choose, a few things are worth checking. First, ask whether the clinician uses real ear measurements, this is a best-practice fitting technique that can significantly improve how well a hearing aid actually performs in daily life, and not everyone uses it. Second, understand what aftercare is included in the price. Ongoing adjustments in the first weeks and months are normal and important, and some providers charge for every visit. Third, confirm the return policy before you commit. Most reputable providers offer at least 30 days. One last point, and it is the one we would most want to leave you with. The research on untreated hearing loss and its connection to cognitive decline and social isolation is by now fairly settled. If you have been putting this off, the cost of waiting is not just the conversations you are missing now. https://www.ballingers.com.au/blog/superannuation-101 monthly 0.5 2024-09-17 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/37a4f996-5a25-4926-a19a-a3cb4165f86c/allinger%27s+Financial+Planning1.jpg Articles - Superannuation 101 - Superannuation refers to the retirement system in Australia that is designed to enable people to be financially self-sufficient in retirement, rather than rely on the Age Pension from Centrelink. It is compulsory for employers to make superannuation contributions for their employees. Once an employee retires, usually after age 60, the superannuation system is designed to provide an income to live on. Superannuation is commonly referred to as "super." https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/abd1f407-d204-4757-9cdf-cba17331f8fc/salary+info.png Articles - Superannuation 101 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/104d2db3-0475-4cd5-8c95-2e4dc37be7a6/tax+income+.png Articles - Superannuation 101 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/976ffc43-4a68-4ed7-ad71-3244b8729273/aaron-burden-cEukkv42O40-unsplash.jpg Articles - Superannuation 101 - Most people will work on average for around 40 years which means that money invested can grow quite a lot over that time. For example, making a one-off contribution of $10,000 into your super fund would result in the $10,000 being worth $47,086 after 40 years assuming it earns 4% pa. If you contributed $10,000 per annum into your super for 40 years at a rate of return of 4% pa, your $400,000 investment would be worth $969,260. The choice of investment strategy can make a large difference to the balance over time. Using the above example, if the investments earned 5% pa instead of 4% pa, this would result in the $969,260 increasing to $1,238,198 after 40 years. Note, we have used investment returns of 4% pa instead of 7% pa to show the likely value in today’s dollars (net of inflation). https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/dd5d9b3f-9794-434e-a376-12d38e7d8c45/Copy+of+Working+with+you%21+%283%29.png Articles - Superannuation 101 https://www.ballingers.com.au/blog/raising-capital-in-australia monthly 0.5 2024-07-18 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/61364aca-8670-41a0-9863-a58200aa0fb6/IMG_5138.jpg Articles - Raising Capital in Australia Stephen Ballinger, Director of Ballinger’s Financial Planning and a financial adviser since 1996, brings his extensive experience to this article on raising capital in Australia. Raising capital is a multifaceted process governed by strict regulations to ensure compliance and protect investors. This article explores the various methods individuals and companies use to pool funds for ventures, ranging from simple informal agreements to sophisticated structures like unit trusts, and outlines the legal requirements, exceptions, and specific rules for different types of entities involved in capital raising. Click here to download the article. https://www.ballingers.com.au/blog/understanding-and-preventing-credential-stuffing-scams monthly 0.5 2025-02-19 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/6acd0a83-2683-489d-bba9-9ed1f4b03697/markus-spiske-Skf7HxARcoc-unsplash.jpg Articles - Understanding and Preventing Credential Stuffing Scams - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.ballingers.com.au/blog/generation-z-mastering-financial-success-for-a-better-future monthly 0.5 2025-02-19 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/0ef912a7-2621-45ef-97dc-af84bb883ee8/niklas-ohlrogge-tc2Cts4aXCw-unsplash.jpg Articles - Generation Z: Mastering financial success for a better future https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/639e1a4c-0805-4534-979f-2cd262fac656/231018+Financial+Plan+Graphic.png Articles - Generation Z: Mastering financial success for a better future https://www.ballingers.com.au/blog/why-i-have-been-using-wise-cards-for-international-travel-and-business-transactions monthly 0.5 2023-12-19 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/41986ea3-5ae4-4f21-a182-2b54d27e8e48/jack-cohen-j5JMA4Fjq4c-unsplash.jpg Articles - Why I use Wise Cards for International Travel & Business - For example: It’s free to withdraw $350 per month internationally with Wise. If you were to withdraw $350 AUD to EUR internationally, the fee at other Australian banks would be: Wise: $0.00 ANZ: $12.50 CommBank: $12.50 ING: $12.50 NAB: $12.50 Westpac: $12.50 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/4bf6c478-afa6-4001-8d10-c476dfef9fe8/paul-rysz-bLF3vK_X2Vc-unsplash.jpg Articles - Why I use Wise Cards for International Travel & Business - For example: If you were to convert $500 AUD to USD, this is how much USD other Australian banks would give you: USD $328 on Wise USD $321 with NAB & Qantas card USD $316 with CBA  USD $312 with ANZ  USD $311 with PayPal https://www.ballingers.com.au/blog/sept-2023-report-aam-diversified-agriculture-fund monthly 0.5 2023-12-01 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/b409b704-44d5-47c3-9ff6-8a7d2ad5e03e/benjamin-guy-NZ9_inEIfVM-unsplash.jpg Articles - Sept 2023 Quarterly Report for the AAM Diversified Agriculture Fund - The September 2023 Quarterly Report for the AAM Diversified Agriculture Fund (ADAF) was released a few weeks ago and I have summarised the key points below. https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/3539d2df-77a2-483d-b9fd-d10d376cfc4c/Picture1.png Articles - Sept 2023 Quarterly Report for the AAM Diversified Agriculture Fund - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/b8524f67-b953-4904-a02b-ed9c4e4def68/Picture2.png Articles - Sept 2023 Quarterly Report for the AAM Diversified Agriculture Fund - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.ballingers.com.au/blog/whysharepricedoesntmatter monthly 0.5 2023-07-13 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/29eb7be3-5c7f-4ed3-bcfa-7001e0de23a6/annie-spratt-IT6aov1ScW0-unsplash.jpg Articles - Why share price doesn’t matter https://www.ballingers.com.au/blog/thelongtermbenefitsoffinancialplanning monthly 0.5 2023-07-13 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/1689056081066-0XEX2MEVJBETPW2OFIYA/IMG_1231.JPEG Articles - The long-term benefits of financial planning   - Financial planning is the process of creating a roadmap to achieve your financial goals. It involves setting goals, developing a plan to achieve those goals, and regularly monitoring and adjusting the plan to ensure you stay on track. While financial planning can help you achieve short-term financial goals, its long-term benefits are even more significant. Image from our office view in Merewether NSW https://www.ballingers.com.au/blog/whycareaboutsuper monthly 0.5 2023-07-13 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/1689056446799-WLAWU64598QXC2W2EKPS/IMG_5967.JPEG Articles - Why care about your superannuation? - Superannuation is a form of retirement savings that is mandatory for most Australian workers. It is designed to provide income in retirement to replace or supplement the Age Pension. While superannuation may not be at the forefront of your mind when you're younger, it's essential to consider how maximising your superannuation will benefit you in retirement. Image taken from our office view in Merewether NSW https://www.ballingers.com.au/blog/christmas2022 monthly 0.5 2023-07-13 https://images.squarespace-cdn.com/content/v1/63e49f823170cb091024ac91/ffeab233-3ba6-4dc7-943f-082b7ca74a31/Christmas+2022.png Articles - 2022 Merry Christmas from Ballingers! - From the team at Ballingers, we’d like to say thank you for a fantastic year. We appreciate your continued loyalty and faith in us. In lieu of sending Christmas Cards, we have donated $4,000 to Soul Cafe in recognition of the incredible work they do. The Soul Café served 46,000 meals and had 250,000+ conversations with vulnerable people in our local community last year. Put your feet up and have a well-deserved rest this Christmas! 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