Multiculturalism and the influence of different nationalities on our society is now woven into the fabric of everyday life in Australia. Recent market and economic events suggest that this international flair is broadening its influence on the Australian economy as…
The Reserve Bank of Australia (RBA) has again this week cut interest rates to a record low of 1%. The basis for the interest rate cut is to spur on consumer spending, bank lending and employment growth. The RBA is hoping…
The Reserve Bank of Australia Governor, Philip Lowe, has opened the door for a further interest rate cut before the end of the year. In addressing an economic development event in Adelaide this week, Governor Lowe cited ‘spare labour capacity’…
Australians are buying groceries online now more than ever. An article in the Financial Review reports that in the past 12 months, online grocery shopping has increased by 22%. This growth is ten times faster than overall grocery growth, but…
Life Changing Events A read through the swathes of motivation literature will reveal that a ‘Life Changing Event’ is often the catalyst for other change in our lives. Some of these events can be positive; the birth of a child,…
Imagine playing a game of footy where you weren’t allowed to know the score. Coming down to the last few minutes, you have no idea who is winning or how close the scores are. Do you play conservatively? Do you…
Recently I woke up in the middle of the night in fright. I am 57 this year and during the day I was thinking about when I might retire, what that may look like and consequently what might I need…
I was speaking with a financial planner colleague recently about the questions prospective clients ask us when we meet them for the first time. One very common query posed is “how much money will I need to live comfortably in…
Not many people would go through life without taking out insurance of some kind. Homes, cars, boats, business, health and even pets are insured. Our most valuable asset, however, isourselves, there is often a lot of misunderstanding around personal insurance….
You may have heard of investment bonds in your travels. Many think of them as unfashionable in the financial world of shares, ETF’s, managed funds, negative gearing and superannuation strategies. There can, however, be a place for them in the…
