Financial Planning, Investment & Insurance Solutions

  • Is Sustainable Investing Worth Your Money?

    Is Sustainable Investing Worth Your Money?

    ESG investing. You’ve probably heard the term, but what does it actually mean? ESG stands for Environmental, Social and Governance, it may also be termed sustainable investing. You may say it is an investment decision based on your beliefs. It is a wide term as it can cover several areas, but essentially, it’s for investors who still want positive returns, but also consider their long-term impact on society, environment and the behaviour of a business. As the Credit Suisse research institute points out in their Global Investment Returns 2020 Yearbook, the largest ESG category, is exclusionary screening or avoiding investing…

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  • Journalism and Gaining Approval

    Journalism and Gaining Approval

    Ever stopped to wonder why you’re using a particular new word or phrase? Or maybe you’re sitting in the back of some strange person’s Hyundai, they’re driving you to some strange person’s house where you’re staying the night in their guest bedroom. How did that happen? The sharing economy. Disruption. The future of work. Hustle. Such words and terms have snuck into the language over the past decade. They’ve come about due to new companies such as Uber, Lyft and AirBnB, along with hundreds of others, that have been termed as ‘tech’ companies as a way to make them seem…

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  • The Power of Fees, Saving & Markets

    The Power of Fees, Saving & Markets

    If you’re interested in financial matters, some of the most interesting and entertaining content on the internet can be found at Dave Ramsey’s YouTube channel. From the US, Dave is a southern gentleman who once went bankrupt. From there, he turned his life around and cleaned up his financial act. He started by publishing a book on his experiences, then built a publishing and media empire based on the principles he used to fix up his finances his life. What makes Dave Ramsey’s videos so interesting are his interactions with real people. All walks of life call in with questions…

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  • Wire Fraud

    Wire Fraud

    A few times a year market indices rebalance. ASX 200, 300, S&P 500, FTSE 100 etc. Happens all over the world. Companies enter and exit various indices. It’s a time when companies who might have had a roaring time of late get to move up in the world. For those who may have fallen on hard times, it’s unwanted recognition. They’re slipping down in the pecking order. No longer growing, but shrinking. One of the more notable exits from a major index recently was that of Wirecard. There’s a belief that capital markets are the best place to invest because…

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  • Heirlooms

    Heirlooms

    One of the staples of investment media and stock picking newsletters are the ‘if you had invested…’ stories. The writer will pick a well-known stock, go back to a point in time (usually the IPO) and inform us how many millions we’d have today, if only we’d invested a specific dollar amount into that stock. It’s meant to make us feel like buffoons. Why didn’t we jump aboard a stock than now seems completely obvious in hindsight? There’s even a website dedicated to the concept. Stock Time Machine. This tracks some of the largest listed companies in the US. Put…

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