Michael's Musings – Page 2 – Thoughts on money, from a Financial Planner in Perth

Long term super returns to explode higher!*

March 14, 2019 by Michael O'Hara

Long term super fund returns are about to explode higher!* Yes folks, we are about to enter a period where the longer term super fund returns will look very good indeed. At least – significantly better than they were in fund reports of just two years ago. Here’s the secret that will make long term … Read more

Fraud and Malice

January 8, 2019 by Michael O'Hara

Be ever wary for the possibility of fraud and malice!

Today I received a scam phone call, from criminals trying to extort money by claiming to be the Australian Taxation Office.

These scum forced vulnerable people to pay them over $800,000 in November last year alone. They must be stopped.

Grandfathered commissions explained

August 9, 2018August 9, 2018 by Michael O'Hara

grandfathered commissions michaelsmusings ozan-safak-476758-unsplash

Grandfathered commissions is a term that is receiving a lot of airplay at the moment through the Royal Commission. The term is used so often and to cover so many different concepts that I thought it might be helpful to spend some time discussing just what “grandfathered commissions” actually refers to. It’s also helpful to … Read more

Retirement income choices

March 29, 2018 by Michael O'Hara

retirement financial planning perth Michaels musings jesse-bowser-5659-unsplash - Copy

A quiet look at retirement and choices for retirement income – from my Facebook page.

https://www.facebook.com/notes/michaels-musings/the-long-and-winding-road-to-retirement/1774294405925445/

Can a newsletter make you rich?

March 7, 2018 by Michael O'Hara

Thoughts on money, retirement, wealth, happiness and financial planning. Here’s a link to my latest Facebook post. Comments and thoughts always welcome!

https://www.facebook.com/notes/michaels-musings/can-a-newsletter-make-you-rich/1749276861760533/

Share market update

February 5, 2018 by Michael O'Hara

michaelsmusings super funds fail performance test image from unsplash quino-al-135852

https://www.facebook.com/notes/michaels-musings/when-markets-fall/1716927548328798/

Underemployment – is it the future?

January 19, 2018 by Michael O'Hara

When experts disagree Michaels Musings Photo by @zmachacek on Unsplash.com

Underemployment is a big feature of the current global employment picture. Although more people are finding work, it would appear that a lot have given up any chance of finding work. So I thought it would be a good idea to tackle some of the issues that are raised by having a large slice of … Read more

Fear and Greed in financial planning

December 6, 2017 by Michael O'Hara

michaelsmusings fear and greed financial planner perth Photo by rawpixel.com on Unsplash

Fear and greed are words that are rarely used in financial planning. I’ve often wondered why – are we planners being too soft on raw features of behaviour? Do we allow professional politeness and discretion to stomp all over basic, honest advice? Fear and greed are two fairly common observations a financial planner encounters in … Read more

Loyalty point schemes – be careful..

October 23, 2017 by Michael O'Hara

Loyalty point schemes can offer lucrative rewards for simply spending money you were going to spend anyway – but there are traps for the unwary…

Investors are confused by strange markets

August 22, 2017 by Michael O'Hara

investors michaels musings USA 10 year bond market yield 12 months

Investors in today’s markets are confronted with a barrage of information, opinions, statistics as well as claims from marketing and promotions that can make it very difficult to decide just what to do, and when. This post isn’t going to make your decisions any easier, I’m afraid – but it may just help you to … Read more