Useful Apps – Blinkist

I’ve been using Blinkist for a few months now and while the mobile had a few teething problems I’m pleased to say they now seem ot have been fixed with the latest release. Blinkist summarises books into easy digestible ‘Blinks’ which can either...

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...
Lastpass Emergency Access

Lastpass Emergency Access

I’ve often wondered what would happen to my online accounts when I die and more importantly how my loved ones would get access to them. Well Lastpass has now solved this problem with Lastpass Emergency Access. In a nutshell – you give someone you trust...
Ethical Superannuation?

Ethical Superannuation?

A friend asked me to look at www.australianethical.com.au for your superannuation, I wasn’t very impressed. Maybe ethical for companies, but what about retirees? 1 – Fees are too high MySuper balanced option total fees are (1.134%). The lowest fees are Hostplus –...
Super Ripoff!

Super Ripoff!

Recently the Murray Report found that Australian’s are paying double the fees of other Western countries for their retirement. That’s costing us $20 billion dollars each year, or an average of $1100 each! Why are Aussies being so badly ripped off? Well we could blame...

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...