Just another January … after another massive spending season, we get smashed on the stock market to the tune of tens of billions of dollars. Can’t we just take a holiday, without having to watch blood red dripping from the ASX boards? Especially after we’ve hocked ourselves into next financial year with a gazillion dollars […]
SUMMARY: SMSFs face greater restrictions in 2016 for borrowing to buy property. The banking regulator didn’t just bark a little in 2015. It bared its teeth and showed it knows how to bite hard. While we didn’t get to hear the bark of the Australian Prudential Regulation Authority because it was behind closed doors of […]
SUMMARY: No time to relax. SMSF trustees need to consider the risks ahead in 2016 and act now. It’s been nicely quiet out there in DIY super regulation land. Occasional jawboning, the odd threat, but little to no action. The lack of big changes in recent years has been welcome, given the turmoil of the […]
SUMMARY: Industry Super Australia is throwing mud at SMSFs. Hopefully it doesn’t stick, because it’s ridiculously inaccurate. All super lobby groups have a duty to protect their stakeholders. But Industry Super Australia’s latest attack on SMSFs is plain ignorant at best and deliberately misleading at worst. ISA’s report, called “Refocus” is a supplementary submission for […]
Don’t avoid end-of-year navel gazing. It’s an innate part of being human and thinking at a higher level. Learn some lessons. Take stock on near misses. Make fewer mistakes next year. When I look into my belly button this year, I’m pleased to find it’s not choc-full of useless fluff. Though … it’s harder […]
I am staggering, limping, into Christmas. Happens every year. Work like crazy through December … to end another year of crazy. Attend about 50 pre-Christmas catchups, leaving a liver in need of detox. Just like you. It’s simply life as a Gen Xer. We’ve got a lot on our plates. Stuff falls off all the […]
WHOA! Hold on a minute. I have to choose? Um, I can’t. Further, I won’t. If you think the decision is simply about which has the best headline interest rates now … you’re deluded. (And further, it’s not an either/or choice.) The main reason to choose variable rates is […]
SUMMARY: Super, personal name or trust structure? You must consider all of the options when looking to create family wealth. There comes a time in most people’s lives where the constant struggle to stay afloat is superceded by thoughts of creating real wealth. There is spare money left over, monthly, after life’s expenses are covered. […]
Icebergs are dangerous. The Titanic’s captain showed us comprehensively. It’s not the 10 per cent that sits above the waterline, but the 90 per cent that sits below. And fish get the best view. If you’ve got a mortgage, you’ve witnessed an iceberg float past this year. Interest rate movements have been constant. In […]
Easy! Borrow until your nose bleeds, you can’t sleep at night, or you’re finding it hard to breathe. Then pay a little back. Nope. That’s definitely not the way to do it. But there’s no simple calculation either. How much borrowing is too much is as personal as a finger print. For some, the right […]
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