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 […]
Huge financial disasters, by their very nature, come from positions where the greatest risks are taken. Sometimes, this is simply rampant stupidity. When a big punt is made and caution is thrown to the wind, along with research and due diligence. Idiocy on a grand scale. And, sometimes, everything was done right, but a little […]
There are some things in life I simply won’t do. There is an equal amount Mrs DebtMan also refuses to lift a finger on. Sometimes, this is simply demarcation. Lines have developed over the years. She won’t do some things because she knows I will, or she insists that it’s my job. And, equally, in […]
Is it possible to hold too much cash? If that sounds crazy, like a trick question, that’s because it is. And, therefore, the answer is the opposite of what you would believe it to be. Yes, it is possible to hold too much cash. Sure, we all love the folding stuff. The more you have […]
There is a group of people that, to the day I die, are going to confound me. But it’s mutual. I’ll never get them. And they’ll never understand me. Debt-haters. I’m not talking about those with a debt problem – where they’ve lost control of what they owe. I’m talking […]
Everyone loves a bargain. Something cheaper than it was a little while ago, or a bonus thrown into the purchase. End of year stocktake sales, flights outside of holiday peaks, end-of-line specials on cars, supermarket meat on a Sunday afternoon, shoe and suit sales … Me? Easy. Happy hours. Stamp in passport, basic beach bar, […]
Forget the phoney election “class warfare” grabbing the headlines, with Billy claiming this and Malcolm claiming that. There’s a bigger, more important, war erupting. Generational warfare. An economic one. And your side, like many a child’s football team, was decided at birth. The year of your birth is your battle line. Falling interest rates mean […]
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