Dividend Imputation

Australia has a full dividend imputation system which gives investors an incentive to invest in Australian companies. The nice Australian tax office prevents people being taxed again on dividends that the company has already paid tax on, preventing double taxation. We...

Financial advisors do not care about you

You are the only person responsible for your financial future. If it all goes belly up YOU are to blame. Even if you have been given dodgy advice from a financial manager, it’s upto you to do your homework and take responsibility for your investment choices. Do you...

You Get What You Pay For, don’t you?

Just because something is expensive does not mean it is better. Cost is actually now part of the marketing of some products, for example Stella Artois does not hide this fact with the tag line ‘reassuringly expensive’ – think about: Expensive wine –...

The Joy of Index Investing

I’m a big fan of index investing, It’s the secret weapon that gives the average Joe the ability to play with and soundly beat the big bully’s of the investment world.   What is an Index? Companies comprising an Index have to be ordered by a criteria,...

Are you Responsible?

There are two ways to achieve the things you want in life, taking responsibility yourself or giving away that responsibility. For example to buy new car, taking responsibility yourself would be to save by spending less than you earn and giving away responsibility...

EBikes – Now there’s no excuse

I’ve been a cycle commuter for years, ever since I started employment. In fact I’ve gotten so used to pedalling my way to work, it’s actually a novelty to have to get the train or bus. I must seem like an excited kid on the bus, while everyone around me wears the...