Oil prices

It seems to me that commentary on oil prices has reached epic meme proportions, so it tickles my sense of…

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2016 Budget Superannuation

2016 Budget Superannuation is it fair image by Joshua Earle via Unsplash

“Ask not what your country can do for you – ask what you can do for your country” – John F Kennedy’s powerful call for Americans to put aside self-interest, and strive to build a better nation. This is what I think the Federal Government has asked Australians to do when judging its 2016 Budget…

Oil prices

when prices go crazy image source littlegatepublishing.com PRNewsFoto/Frost Sullivan

It seems to me that commentary on oil prices has reached epic meme proportions, so it tickles my sense of cynical irony to put finger to keyboard with a post on oil prices. My primary motivation, apart from simple glee at joining the lemming herd decrying the collapse of oil prices, is to add a financial planner…

A Prosperous 2016 to you

prosperous 2016 perth financial planning photo via unsplash by jordan mcqueen

“Prosperous” means different things to different people – but over the years i have found that we all share very similar basic needs when it comes to money. Here are my 2016 prosperity money tips.

Make a million dollars

chance and uncertainty

There is no secret to being able to make a million dollars the low-risk way. The only problem is that it is boring, and it takes some discipline to get started because it means going without something you may otherwise covet. A million dollars isn’t as much as it used to be but it’s still a…

Decent returns when rates are low

How do you make higher earnings in a low rate environment

How to make decent returns when term deposit rates are so low? Cash and interest bearing income levels are at or near historically low points in all pure defensive plays. In part this reflects ongoing Central Bank intervention in credit markets as attempts continue to be made to cope with the fallout from the Global…

Financial Planning Ethics – part 1

financial planning ethics image from binarymoon co uk

Financial planning ethics are of paramount importance to sound financial planning. Yet this self-explanatory and seemingly obvious statement cloaks the areas of ‘grey’ within which financial planning ethics may not be at all obvious or not at all relevant. Financial planning ethics is all about communication. What works and what doesn’t; how things work and…

Sensationalist headlines

sensationalist headlines image source examiner dot com

“Carnage on global sharemarkets”! Sounds like an awful scenario, doesn’t it? What sort of outcome do you think would lead to headlines such as this? A fall of 30%? 20%? Whatever it is, the result must be pretty bad for the word ‘carnage’ to appear. Or so you would think… Let’s put aside the sensationalist…

Australia – austerity or growth?

financial planning perth growth or austerity

How do we tackle economic problems and foster economic growth? Australia – austerity or growth? It’s a global question! There are usually a range of options to tackle any economic problem or condition, ranging from increasing government spending to reducing taxes to printing money or even starting a war to divert the attention of a…

Financial planners and insurance

life insurance must be a cheery business just google life insurance to see all these happy people

Financial planners continue to be in the news – gosh, we must be an interesting lot. The focus of late has been on insurance – it’s costs and the differences between good and bad advice in this area. This is a short post, with a link to commentary from three different planners operating in the…

Thinking about insurance

Financial Planning Perth Michaels Musings Simons Story from OnePath on Vimeo

For a whole host of reasons, i’m thinking about insurance today. Thinking about insurance Insurance is one of those areas we all love to hate. Premiums always seem too high, we hear stories of insurance companies not paying out or the new stories about commissions being too high. After years of dealing with insurance companies and…