Financial Planning, Investment & Insurance Solutions

  • Federal Budget 2020/21

    Federal Budget 2020/21

    The delayed and momentous 2020 Federal budget has been handed down. It contains some amazing figures. The normally fiscally conscious Liberal Nationals have turned spendthrifts in a bid to lift the country out of the COVID-19 induced recession. It wouldn’t be a budget without heroic assumptions and the biggest in this budget is the assumption there will be a COVID vaccine next year, along with the majority of Australians being vaccinated. It also assumes growth will be running at 4.25% and unemployment will be down to 6.5 per cent by the end of 2022. Another big assumption: everyone will run…

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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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  • Stocks, Sectors & the Economy

    Stocks, Sectors & the Economy

    As the virus drags on, economies start to look bleak. Investors who rode the markets down to the depths of March and back out again, start to think… ‘None of this makes sense, surely the market is going down again.’ News lately hasn’t been positive. Wave two condemns Victorians to house arrest, and a seemingly never-ending wave continues to plague the US. So how do some stockmarkets keep moving up? Or at the minimum, keep levitating above where you think common sense dictates they should be? Government and Central Bank stimulus explains some of it. More importantly, the phrase ‘the…

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