A normal conversation that most people encounter on a regular basis is the introduction to someone new either in a social or business setting. For most, the small talk upon an initial introduction to someone new follows a similar pattern. "Hi I am Steve" "Hi Steve, my name is Joe, so what do you for work Steve? Etc. etc." For most people ... Read more
Just put it on the Credit Card
Credit cards can be a great tool if you use it for the right reasons and make your repayments on time each month. Unfortunately for most people this isn’t the case and they use it for all the wrong reasons and have end up having debts on numerous cards. Every credit card should come with a booklet, a policy document and a product disclosure ... Read more
Helping you reach your goals
Having a goal is important. A goal or purpose can give you something to work towards or a reason to get out of bed. Generally, no one ever guides or helps you with the setting of your goals. Some of us just get told what we should be doing. This may come from our parents, family or teachers telling us to get an education, get a job, work hard and ... Read more
A Problem Shared……
As humans we aren’t great at asking for help or talking about our issues and concerns. The fear of being judged or embarrassed causes us to try and fix the problem ourselves, which can often makes things worse. We hear a lot about this when someone is dealing with a mental illness, where the fear of judgement stops them from talking about it with ... Read more
What is YOUR most important asset?
Your most important asset isn’t always the most valuable or expensive asset. For some, it may be the $50,000 car, for others, a home worth $700,000 or a large share portfolio. . If the car is your most important asset, then you probable take good care of it. You would also have spent a fair amount of time researching the best car and maintenance ... Read more
Simple Money Management Tips
Managing your money is simple but as we all know, it isn’t easy and it isn’t something we get taught about at school. Managing your money is just like starting a new fitness program or diet, it takes discipline, self-control and a gentle nudge. Everyone deals with their money differently, but here are 3 simple (not easy) ways to managing your ... Read more
$ = Emotions
You may be a seasoned share trader or maybe you get your share market update on the news each night. Either way, you have probably noticed that the share market goes up and it goes down (we call this volatility). What you may or may not have realised is why does it do this. Apart from the local and international economic factors, companies’ ... Read more
“IT’S NOT REALLY MY MONEY”
When the topic of superannuation comes up in a conversation usually one of the two following events occur, either a blank look comes over the face as if a question has been asked in Japanese. Or, the eyes glaze over as if to say please don’t start talking about that thing where the government takes my hard earned money away from me each ... Read more
Death & Taxes
This week I had the unfortunate experience of attending a funeral. So please excuse the dark message on a Friday morning. However, I believe that the following is an important message that shouldn’t go unheard. The two things in our lives that are certain, Death and Taxes. Some of us may pay less tax than we should, but death is a certainty. We ... Read more
10 Property Terms every First home Buyer Should Know
Buying your first home is one of the biggest decisions you'll make in your 20's or 30's. With so much information out there it's not always easy to determine what's right and what's not. Here are the meanings of some common property terms that may help you to understand what's really going on. Interest Rate - An interest rate is the rate of ... Read more
