If you want to scare the crap out of yourself, just for fun, go google “mortgage stress”. I did. Turns out catastrophe is about a heart beat away. Apparently, we’re all going to die. If the Reserve Bank raises interest rates, like ever, Australian households will collapse like a “house of cards”. According to […]
With a world of investment opportunity out there … why would anyone focus their attention on interest rates on savings? Why? Sadly, because everyone still needs to hold cash. As a result, interest rates, as pitiful as they are, become important for at least a portion of anyone’s wealth. I emphasise “portion”. I’ll […]
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 […]
If you wanted to get an Australian all hot and steamy over finances, there would be two essential elements to your narrative. Your elevator pitch would maximise the potential audience if the following phrases were weaved in – “legal tax dodge” and “property riches”. We’re famous […]
“Mate, do you have an opinion on the orthodoxy that you should pay off your mortgage before pumping money into investment?” Oh, Mr Editor! As a matter of fact … yeah, I do. Thank you. For those who have a mortgage, but know that they need to invest, I have a strong opinion. And what […]
So many people, so little interest. When it comes to superannuation in Australia, compulsory for most, this is the depressing situation. As a financial adviser, this absolutely does my head in. I can’t get my noggin around the lack of interest. Because I love super. It gets me all tingly. But like Newton’s third law, […]
When it comes to buying assets, some ask if you “should you try to catch a falling knife”? Others recommend waiting until there’s “blood on the streets”. In investor land, both take balls. It’s buying when all around are too scared to. Buying when markets have taken a beating, or have slumped, is […]
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