In any job, industry or profession, if you’re around long enough, you get to know the lies that are told during a transaction. For example … teachers and students, particularly regarding homework (which includes my little DebtBoy, bless him, who has been caught out, thanks to parent/teacher conferences). Defence lawyers and their clients, journalists […]
“Frothing at the mouth”: a description of someone white hot with rage, ranting feverishly over what is usually not much of an issue. This is something I occasionally do. Sometimes for fun. Sometimes right here in this column. But mostly over topics that would bore most. Most recently, I did it last […]
If you’re a long-term property investor with a mortgage, how pissed off are you right now? Put me down for “seriously pissed off”. I just received notification from my bank to say the interest rates on my investment loans are being hiked by about 50 basis points. Half a freakin’ per cent! That’s two […]
Death has been on my mind. A little more than usual, lately. I don’t deal with death well. Not a big fan. I’m not good at dealing with the death of others. I don’t like thinking about the possibility of my own. Though I’m not stupid. I have prepared for it somewhat. My […]
Teeth will gnash and grind … but for many, this month marks the end of an era for superannuation. An era when super was simple and generous. And, possibly, the greatest tax dodge of all time. People had accounts with mega-millions in it. Individuals with more millions than you could fathom could ever be […]
There’s a fine line between pleasure and pain”. I’m tipping there are a few people surveying Perth’s property market feeling that at the moment. The following relates specifically to Perth, but can be applicable elsewhere. Is it in the bargain basement? Or the shitter? There is nothing pretty, or promising, about property prices […]
The last time a government tried to help young’uns to boost their super savings … well, it was the stupidest idea ever. In the 2008 Budget, Kevin Rudd gave us his First Home Saver’s Account. OMG. It was like a fart in an elevator. An immediate stinker. A Rudd thought-bubble that his Kitchen Cabinet […]
If you’re not in control of your credit card, you’re not really in control of your financial life. An over-the-top generalisation? Actually, it’s not. With countless thousands of hours talking one-on-one with people about their finances … I’m happy to say that is, sadly, too true. What most people […]
In order to get my point about insurance across forcefully to a mum and dad, I usually need to kill one of them. To get singles on board, I either have to maim them in a horrific car accident, or give them a life-threatening cancer. Sounds drastic, sure. But we’re talking life and death here, […]
Default insurance coverage inside super is fuelling a dangerous “she’ll be right, mate” attitude to protection among Australian families. Too many Australians see some minor levels of insurance inside their super funds and believe they are “covered”. But default coverage levels have not taken anyone’s circumstances into consideration. Your need, or your […]
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