Helping you get out of debt, save more money and make more money.
When you take into account the franked credits available to Australian retirees these steps could make a very big difference to your retirement income, if you have the capital to invest. As with all investments, make sure you understand the ups and downs of the stocks you are investing in. Professional advice is always a … Read more
Superannuation has been a hot topic for many years in Australia, our Politicians keep wanting to play with it thinking that too many people are getting too much money in retirement and they should keep more of that money for wasting on useless projects in their own electorates. It’s never a good idea to let … Read more
Here are 8 tips that will help you retire when you choose rather than when you hit the retirement age. You don’t have to retire of course, but it makes a huge difference if you get to choose rather than have to keep working. I remember overhearing a conversation being held between a school teacher … Read more
It’s always the big question for first time investors. Where do I invest? I have always favoured blue chip stocks as the first step because the chance of screwing up and losing money is much reduced. This has a slightly different take on that so have a read. Yahoo Finance – Business finance, stock market, … Read more
I have watched the Australian housing market with interest for some time. In my opinion it’s a huge bubble in Sydney & Melbourne and there will be many tears when it bursts, as it must. Stupid people are bidding way too high for peoperties because they can get cheap finance but it will burn them … Read more
This is one example of how the rich get richer by paying less while the poor don’t have the same options and therefore end up paying more. This is really how the rich get richer and the poor get poorer. Poor and middle income people don’t have sufficient resources (usually surplus cash) to take advantage … Read more
It seems that what employees have always thought is actually true. We are much more productive when we don’t have to spend as long at work. Yahoo Finance – Business finance, stock market, quotes, news wrote: Ever thought your meetings might be, well, pointless? An experiment by Microsoft has shown that sometimes they are. … Read more
How much time do you lose each year looking for things that you can’t find? Do you just go out and buy another one because of that? TBH, yes, sometimes. Ususally I then find what I was looking for right where I put it away when I go to put away the new thing. I … Read more
I really don’t like budgeting, it always feels like I’m restricting myself and removing the fun. Well, it did until I realised that in reality most properly constructed budgets don’t restrict you much and give you much more money in the long run, which is what we all want deep down. Anyway, here is a … Read more
To determine how important rolling over defined contribution (DC) plan assets to an individual retirement account (IRA) or another DC plan at job change versus cashing out is to the current state of retirement income adequacy, the Employee Benefit Research Institute (EBRI) used its Retirement Security Projection Model (RSPM) to compare projected retirement deficits of … Read more