(03) 9020 2905PORTFOLIO POINT: A “review” of super gearing in two years is as close to certainty as SMSF trustees could have hoped for. Half full or half empty? Is a review … Read More SMSF gearing safe as houses
All posts by Bruce
“Is debt recycling simply green economics? Who can it help and who can it hurt?”
Sssh! Bite your tongue! Be wary of inviting hippies into any financial discussion. Imagine the world’s economy if Neil from The Young Ones was in charge of Treasury? Debt recycling … Read More “Is debt recycling simply green economics? Who can it help and who can it hurt?”
Shy from retiring
PORTFOLIO POINT: Be careful what you wish for. Early retirement isn’t all it’s cracked up to be say those who’ve beaten the rest to it. Human behaviour can be quite … Read More Shy from retiring
“If I’m struggling to make ends meet on a monthly basis, how can I get focussed on achieving something big?”
You want focus? I’ll give you focus! Al Pacino in Scarface: “Say hello to my little friend!” My “little friends” in financial motivation are “fear” and “greed” and you need … Read More “If I’m struggling to make ends meet on a monthly basis, how can I get focussed on achieving something big?”
Retire your tax bill
PORTFOLIO POINT: Let’s clear up a misconception – “transition to retirement” strategies are not about “retirement”. They’re about tax. And paying less of it. I really enjoy writing for Eureka … Read More Retire your tax bill
“The Christmas shopping splurge is about to start. What are your best Christmas savings tips?”
There was a guy doing the talk show circuit two years ago and his suggestion was to “cancel Christmas”. “Visit friends in the week before Christmas and share a cuppa. … Read More “The Christmas shopping splurge is about to start. What are your best Christmas savings tips?”
Make the most of NCCs
PORTFOLIO POINT: Don’t forget non-concessional contributions when it comes to retirement income planning. They are now close to being a compulsory part of your building super strategy. The focus of … Read More Make the most of NCCs
“Pocket money for children: When do you start, and how much do you pay?”
Feed them. Clothe them. Shelter them. Love them. That’s what I was told when I signed up for kids. Nobody ever said anything about “Pay them”! Isn’t there some United … Read More “Pocket money for children: When do you start, and how much do you pay?”
Reconsidering recontributions
PORTFOLIO POINT: Tax-free super hasn’t entirely killed off the value of a recontribution strategy. Here’s how it can still make sense and why, if it’s in your armoury, you might … Read More Reconsidering recontributions
“What is tougher – saving a deposit for a home or paying off a mortgage?”
Who likes eggs? I’m generally a scrambled sort of guy. Occasionally, I go for hard boiled. And this question relates to how you boil your eggs. You want them easy, … Read More “What is tougher – saving a deposit for a home or paying off a mortgage?”