Pick winners. Punt big. Celebrate hard. Shout lots of drinks when you win, so everyone knows you’re the bomb! That’s the dream. The reality can be a nightmare when you’re half a pay packet lighter. How could you could be so bad at punting? Melbourne during Cup Week is awesome. I’ve made it to Flemington […]
I have a mate who once declared: “I earn enough money now that I shouldn’t have to cook for myself anymore”. No secret, he couldn’t cook much beyond scrambled eggs. It would probably prolong his life if he let others permanently cook for him. When it comes to me and Mrs DebtMan … the costs of […]
When the house-buying lightning bolt struck me, Mrs DebtMan wasn’t ready. “No! You can’t buy a home until WE can buy a home,” she said. We weren’t married. We were living together, playing house. Where I had savings, she had none. And where she had credit card debt, I had none. I gave her […]
Do your belts up a little tighter readers, or I might just shock the pants off you. Gen Xers need to do both. Shock! Horror! Neither is hands-down better than the other. They’re different. At our age, from our late 30s and 40s, we need to build our investments in both vehicles. While Xers can’t […]
A time machine, no question. And if it looked like Marty McFly’s DeLorean, awesome! I really just need to get a few hours into the future. Find out the next few long-odds winners at Doomben, then punt enough to shake the knees of a few bookies. But until I find a working time machine […]
Is having a colleague throw something at my head, with a question, advice? “Hey, wanna read this?” That’s sort of advice, isn’t it? Anyway, that something was a book, which sat untouched beside my bed for months. Eventually, on a day off, I read it. It was about property investment. It explained, simply, how […]
Big businesses constantly assess their balance sheets. They are always tinkering with what to keep on balance sheet. And what to bugger off it. Often, they will conclude to sell assets, such as property they own outright, and rent instead. Selling property frees up capital for business investment, and introduces a tax-deductible cost in rent. […]
Oh, I yearn for the good old days, when robbers had to pickpocket you in the street, or sedate your dog before ransacking the home. They’re now so lazy, they pillage our finances from their own home – in Russia, Turkmenistan, or the Congo. So impersonal. I became a victim of internet credit card fraud […]
Generation X is often accused of being fatalistic about superannuation. Many believe it will be hoovered up by government taxes, crash before they receive it, or taken by frauds. But they’re not acceptable excuses for taking a bad attitude to super. Most importantly, Xers need to understand that super is our money, we just can’t […]
We’ve got it. We don’t use it much. And with respect, health insurers make their story a hard one to sell. The insurers’ premiums go up by multiples of inflation every year, approved by governments, who use penalties to try to force many to take it out. That is, we get shoehorned in by governments […]
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