Personal Finance

Aussies can save $2,300 by doing this, if you qualify.

Can ‘Going Green’ with your loans save you money? The answer to that question is a definite maybe. In the first place you have to qualify for a ‘green loan’. If you do then the interest rate charged will be lower than the rate for a similar but non-qualifying loan. A lower interest rate will […]

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‘You need a budget’ and other bad financial advice

Stuff budgeting, YOLO. But if you don’t know where your money is going how the hell will you ever manage to keep control of it? The answer is, of course, that you won’t. A budget is only one part of money management, the rest of it is down to you and your ability to track […]

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Trying to Find the Best Deal Is Keeping You Poor

Do what rich people do, not what poor people do. In this excellent aricle Will explains why playing the bargain hunting and coupon clipping game are a waste of your time and effort. You could be building up better value for yourself by playing the game the way rich people do. There is a reason […]

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Perth Heat to pay players and staff in Bitcoin

This can only end in tears. Why? Bitcoin is so volatile and has no real value, price is no indication of value, that there will be big winners and big losers in this move by the Perth Heat. If this turns out to be a great move, those who turn it down will be disappointed […]

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Personnel Changes in the Retirement Industry

All industries change personnel on a regular basis it seems. The retirement planning industry is no exception. A distrubing statement from one of those moving house is this:- “Retirement coverage is among the biggest societal problems we have in this country,” Grantz says. “Less than two-thirds of working Americans have access to an employer-sponsored retirement plan, and […]

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Step-by-Step Guide to Home loan pre-approval

Before looking for your new home know how much you can borrow. The damand for a home is high at the moment and will remain so for several years yet. Before you start looking though it’s best to know how much you can borrow so you don’t look at homes outside your price range. Also […]

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Should You Help Your Parents Financially?

What an interesting question.  This is mostly a cultural question answerd in this article, but there are ramifications for the rest of us. In our family the kids help out their father who has almost bankrupt himself with multiple poor decision making. My wife and I are fairly comfortable with out finances and pension at […]

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You need to live within your means – 8 Tips to help.

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 […]

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Australia’s Housing Market Take-Off Is Not Helping the Economy

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 […]

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Budgeting In Retirement Makes Your Money Last Longer And Go Further.

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 […]

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