Resources
Australia’s love affair with debt and 3 simple steps to take today
I was reading an article recently and it spoke about the risks associated with Australian’s love affair with debt. So, why is this important? There are a number of key factors why we need to stop and consider the risks. Factor number 1 - Household debt levels in...
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What do food and finance have in common? How a 3 course meal is just like managing your finances
Like many people I know - one thing I really enjoy is sitting down to a delicious meal. Although taste is important - it's also the opportunity to share conversation, catch up with friends and spend valuable time with family. Coming up to Easter, and a long weekend...
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Are you ready for the Easter spend?
It’s hard to believe it’s nearly Easter as it felt like we just celebrated Christmas a few weeks ago. Easter can be a hidden trap, because how much can you actually spend on chocolate? Well from an article published in the Herald Sun – many households will have a...
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Cashflow and the importance of setting goals
I was speaking with a friend of mine recently about cashflow and how important setting goals is - so you know you are on the right track. He said it was something he had thought about doing but was never really too sure where to start. No matter what your current cash...
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Australian’s love affair with debt – how big is the risk?
Key points Household debt levels in Australia are high compared to other countries and still rising. The rise is not as bad as it looks because its been matched by rising wealth and debt servicing problems are low. However, this could change as interest rates rise and...
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How to clear debt and relieve mortgage stress
It doesn’t matter if it’s a car payment, credit card or store card – debt can cause both unnecessary stress and additional money problems. How could your daily life change if you were able to clear some debt and relieve the stress associated with it? Would you...
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The pullback in shares – seven reasons not to be too concerned
Key points The current pullback in shares has been triggered by worries around US inflation, the Fed and rising bond yields but made worse by an unwinding of bets that volatility would continue to fall. We may have seen the worst, but it’s too early to say for sure....
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Correction time for shares?
Key points The US share market is long overdue a decent correction. This now appears to be unfolding and may have further to go as higher inflation, a slightly more aggressive Fed and higher bond yields are factored in. This will impact most share markets including...
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How to manage cash flow without impacting your lifestyle
There’s a common misconception that in order to manage your cash flow, you need to dramatically cut back on your lifestyle, create an extremely tight budget or meticulously count every cent. It really doesn’t have to be that way, and it is possible to have long-term...
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Did you overspend at Christmas? 5 tips to getting back on track in 2018
Christmas is a favourite time of the year for many, but it can be the cause of additional stress with an increased strain on the budget. You may have planned a Christmas budget to the cent and come unstuck at the end or maybe you just closed your eyes and hoped for...
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2018 – a list of lists regarding the macro investment outlook
Key points 2018 is likely to remain good for diversified investors. The investment cycle still favours growth assets over cash and bonds. But expect more volatile and constrained returns as US inflation starts to turn up. Watch US inflation, bond yields, President...
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Do your Finances need a Reboot in 2018? 3 ways to find the right Financial Planner for you.
The other day I was talking with a new client of mine. He’s a young professional, who recently started in a well-paid job and his early career is on track for growth. He came to me for financial advice. He wanted to start off on the right track now that he is...
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3 things to do today to create wealth tomorrow
The other day I was talking with a new client of mine. He’s a young professional, who recently started in a well-paid job and his early career is on track for growth. He came to me for financial advice. He wanted to start off on the right track now that he is...
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Will Australian House Prices Crash? Five reasons why it’s more complicated than you think!
Key points Talk of a property crash is likely to ramp up again with signs that the Sydney and Melbourne property markets are cooling. But the Australian property market is a lot more complicated than the crash calls suggest. We continue to expect a 5-10% downswing in...
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5 ways Australians will use their tax return this year
With nearly one in three people planning to save their tax return, have you considered what you might do with yours? This year more than 75% of Australians expect to receive a tax return, with a large portion of the population planning to use the money they receive...
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Where are we in the global investment cycle and what’s the risk of a 1987 style crash?
Key points There is still little sign of the sort of excesses that precede major economic downturns and major bear markets suggesting that (although US shares are overdue a decent correction) we are still a fair way from the top in the investment cycle. Key to watch...
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Should you lend money to family?
What you should consider before handing over your hard earned savings You're probably fairly used to helping your family out with a little extra cash here and there. Whether it's pocket money for doing chores, or money to pay phone bills, go see a movie or buy...
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Money Mistakes People Make in their 50’s and 60’s
Avoid these common money traps to make sure you have enough put aside for a comfortable retirement. When you’re in your 50s and 60s, you know you’ve worked long and hard for what you’ve achieved in life and probably have a fair idea of how you want live in your future...
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The Australian economy bounces back – five reasons why some further pick up is likely
Key points Australian growth bounced back in the June quarter helped by consumer spending, investment and trade. There is good reason to expect growth to pick up further going forward: the drag from mining investment is fading, non-mining investment is looking better,...
read moreAustralians Feel Advice only for Wealthy
People think they are not in a financial position to get advice, so they don’t which means they miss opportunities. In the video Adam discusses this issue as reported in Money Management recently. Your financial starting point is not as important as getting some help...
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This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information.