PORTFOLIO POINT: The coalition’s plans for super will require adjustments to your contributions strategy. Plus, is the new super pensions tax dead? If anyone was in any doubt that superannuation is a political football, then Thursday last week should have ended that. The Coalition’s Budget-in-reply confirmed that no matter how much “fairer” the Government might […]
Marshmallows, money trees and managing risk. The first two are sexy enough to be easy sells to my DebtKids. The last one … just not so catchy, is it? Marshmallows is about delayed gratification – “evil” scientist Walter Mischel’s experiment to see if kids could stay in a room without eating a marshmallow. Most kids […]
PORTFOLIO POINT: A year to celebrate the positive whims of the market, sure. But don’t miss putting the cream on the top. With six weeks to go, it’s looking like financial year 2013 is going to be a year of largely pleasant memories for trustees. Certainly not in all respects. It’s been a year of […]
Call it Tron, call it Narnia, call it Wayne’s World if you want. But for sure, last week we entered an economic dimension none of us have ever actually been to before. Official interest rates below 3 per cent. They haven’t been there for 53 years. Only those aged 70 or over, who had a […]
COMFORTABLE?! Who wants “comfortable”? Raise your hand if exceedingly average, mundane and boring appeals to you? No-one? Right, let’s get real. Let’s substitute “comfortable” for … “obscenely wealthy”. Gen Xers, aim for ridiculously lavish. This is where you spend and splurge the equivalent of Fiji’s gross domestic product annually. Sometimes maybe even in Fiji, but […]
Click here to read Debt Man #55 may2013
PORTFOLIO POINT: Don’t let your partner’s death destroy your SMSF’s property dreams. Death can be rather inconvenient, particularly if poorly timed. And I’m not talking about the impact on the deceased. Sure, mostly, they aren’t going to be thrilled with the event. But it tends to be rather final and today we’re going to assume […]
What if the meaning of the letters W-E-L-C-O-M-E were officially changed from “welcome” to “loser”? (A bit random, I know. Stick with me.) But you didn’t know. You then wouldn’t understand why party guests, as you greeted them to your house, punched you in the face. On a macro level, I think the single best […]
PORTFOLIO POINT: Don’t take the chance this new legislation will fail to pass. You need to start splitting super contributions now. There has been a relatively small band of superannuation experts who, in recent years, have continued to push heavily a very unfashionable strategy. The strategy concerned spouse super splitting. It was a strategy that […]
Has there ever been a better time to have a mortgage? To owe a bank a big pile of money? Official interest rates are as low as they’ve ever been. Variable rate mortgages are close to rock bottom. Banks are practically giving away fixed rate loans (at under 5 per cent), if that’s what floats […]
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