Changes to bank lending

March 9, 2011

Early in February a change to mortgage lending rules came in that I think requires a bit of discussion  – its also worth bringing up as many people still don’t get that bank lending practices are a key determinant in the growth of the value in residential property. Read more

Attitudes towards Superannuation

January 27, 2011

Recently the Australian Institute of Superannuation Trustees (AIST) commissioned a report into attitudes on superannuation. Read more

Superannuation – Who has enough?

January 27, 2011

A survey was released a year or so ago by AMP highlighting the shortfall Australians have in their superannuation savings with approximately 31% of all Australians being on average 11% behind in their savings needs. Read more

Retirement – Are you ready?

January 27, 2011

It’s not hard to lose a couple of hours daydreaming about THE TRIP whether it be touring through Europe, or tripping round Australia caravanning under the stars surrounded by miles of emptiness.  Most of us hope to do such a trip when we retire along with the hobbies and activities that so far have been pushed aside as we grapple with the mortgage and the school fees.     Read more

Who gets financially stressed?

January 27, 2011

With rising interest rates and increasing costs of living, we are being bombarded with stories of gloom and doom as families increasingly battle to feed the kids and pay the mortgage. Read more

Self Managed Superannuation – Is it for You?

January 27, 2011

Articles regularly appear the financial press about the growth in Self managed Superannuation funds (SMSFs) and the fact that many people do not understand the requirements placed on them by the legislation and indeed whether or not it is actually appropriate for an investor actually hold their superannuation funds in such a vehicle. Read more

The transfer of wealth between generations (or not)

January 21, 2011

You’ve probably seen those ads for retirement planning featuring retirees on Harley Davidsons saying “Retirement is payback time” or have seen the stickers on the caravans of the grey nomads that say “I’m spending my children’s inheritance.” Or even better, “Live long enough to be a burden on your children”. Read more

The Cost of living – what does it mean for investors

January 21, 2011

For the past 2 years we have heard how tough all people are finding it in the real world. Read more

Superannuation and the Cooper Review

July 7, 2010

No doubt you have heard of many of the changes proposed, mooted and made up in the press of late to our superannuation laws. Read more