FINANCIAL ADVICE

The upside of a market downturn

Most people view share market downturns as unequivocally bad events. Suddenly, hard-earned savings aren’t worth as much as they were yesterday. It seems as if our money is evaporating, and …

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If you think you’d never fall for a scam, read this

If you are aged over 50, male, highly educated, financially literate and manage your own super, beware. You’re at a higher risk of being the target (and victim) of organised …

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5 common financial mistakes people make in their 40s

The 40s are, for many people, a critical decade for building wealth. Income is usually on the rise, but so are expenses such as mortgages and school fees. Juggling priorities …

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Rentvesting: the not-so-new phenomenon

At first glance it seems like a strange thing to do: rent out a property that you own while paying rent to live in somebody else’s place. Yet this phenomenon …

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Time to cool off

Have you ever awoken the morning after signing a contract for something – a gym membership, a car, a new phone plan, or a house – and thought “Oh, no! What have I done?” …

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Seven habits of highly effective investors

If you’re feeling a little bombarded by news about the US and Australian elections, Brexit fallout, RBA interest rate cuts, anaemic global growth—you’re not alone. In a low-return, high-volatility world, …

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Offset accounts: A better way to manage your mortgage

If you want to repay your mortgage quickly and still have easy access to your additional repayments, an offset account may be worth using. What is an offset account? An …

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7 ways to de-stress a mortgage

“Don’t sail out farther than you can row back.” This Danish saying is sound advice for anyone thinking of borrowing to buy a home, particularly now that interest rates are …

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The role of franking credits

It’s obvious that investors select investments based on the rate of return they can earn on their funds. For share investments, the rate of return has two components: 1. Sell …

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Should I Refinance?

Where to start? An accredited mortgage broker can help weigh up your options. Refinancing a mortgage can be daunting. Fees, fixed versus variable interest rates and monthly charges all need …

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The best ways to maximise your rewards points

Credit card reward points, most of us have access to them but how do we get the best use out of them…..the answer is NOT to spend more on your …

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Are you paying too much?

How much is too much when it comes to paying bank fees…..the answer is anything greater than $0. The variety in the types of bank accounts that are available today …

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Are there any benefits to salary packaging a car?

Since the 2011 Federal Governments May Budget announcements, there are less tax incentives available to package a vehicle, but there might still be other benefits in salary sacrificing a vehicle …

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To fix or not to fix?

With two interest rate drops already by the Reserve Bank in 2012 and possibly more to come, the banks have reduced their longer term interest rates to a level sometimes …

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Do You have a “Money Doctor”?

In social situations when the subject of jobs comes up and I tell people I’m a financial adviser, one of the most common responses I get is: ‘So, you look …

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