Thoughts on money, from a Financial Planner in Perth
There are few areas of government expenditure in the world that are more contentious than those associated with the payment of pensions. This includes “age pensions” in countries that have such things, as well as “employer pensions” from time spent with an employer. There is a huge range of types of super funds available, with … Read more
Who is behind the name that is behind the advisor that gives you advice? Financial Planning Bias – All is not as it seems We have covered the bias that is inherent in the Australian financial industry a few times now. The key reason for this bias is the government regulatory requirement that all Financial … Read more
IF you were a wealthy individual, worried about the economic environment that you were in, would you lend millions of dollars to your government at a nil interest rate? Well, it seems that many people in the world think that is a fantastic idea. The German government has pulled one of the best financial swifties … Read more
The good news is that the budget is going into surplus. Small yay! for prudent financial management and responsible government. Big “what the?” for the usual smokes and mirrors that seem to appear any time a Treasurer releases a budget update. So far this morning, i’ve received many, many, many pages of insight, research, analysis … Read more
This is a common question i am asked by parents who are keen to see that their children get the same (hopefully better!) opportunities in life that they had. It’s not one of my worries, and i’ll share with you the reasons why i consider home affordability to be one of the least concerns for my children’s future. … Read more
With all the gloomy news about falling retail sales, declining house prices, and small business access to credit, the average person can be forgiven for thinking that “things are bad”. In times such as this, it is natural for a parent to worry about the world that their children will inherit, and the financial problems … Read more
With all the access to information and compelling voices of authority of the modern world, it can be hard to work out what you need to know, and what is just “noise”.
Famous words, made all the more famous’er by the late but very great Douglas Adams, in his 4 book trilogy “Hitch-hikers Guide to the Galaxy” (although the actual number of books that make up the trilogy is subject to some dispute). Douglas Adams was referring to the great cosmic guidebook produced by Megadodo Publications. “It … Read more
It is so easy to forget that investment markets change direction in a way that can only be identified in hindsight.
While not usually given to hype-driven headlines and catchy bylines, it seems to me that investors are currently being led by some errant media ramping of fixed income products – which is wrapped up in the guise of genuine commentary, research and financial opportunity. This is not a gloom and doom post, and not a … Read more