I'm a personal finance geek who hates to see people ripped-off (especially myself). I created baldmoney.com as a way to share what I've discovered in the world of personal finance.
Here are some ideas ordered by likely return Investment Type Expected Return Paying off credit card debt -15.0% - 0% Installing solar panels on your house 5.0% - 15.0% Real estate investment property 5.0% - 15.0% Electric vehicle 2% - 3% Collecting wine -20% -
How you might say? I don’t have extra money just lying around to stash into my home loan. Well, this one surprised me, and it takes just a few minutes to set up. Switch to fortnightly repayments instead of monthly that’s it! This simple trick could save you
superannuation
Sit down, we have some really bad news for you. We hate to say it, but you probably ARE being screwed by your superannuation provider. How do you know? Well ask yourself this one question: What fees am I paying? If you can't answer this question then you&
Here are some of my favourite books about personal finance, investing, and money management. Your Money or Your Life - Vicki Robin, 1992 This book changed my life. It introduced me to the concept of being able to live of your investments once they reach a certain amount to generate
Best Of
By 'best' I mean the lowest cost ETF that tracks the US NASDAQ 100 index. Why the NASDAQ 100? Investing in the Nasdaq 100 can offer several potential benefits: * Exposure to Growth: The Nasdaq 100 is heavily weighted towards technology and growth-oriented companies, which have historically shown strong
Best Of
Rank Bank Account Interest Rate Conditions 1 Ubank Save Account 5.50% Deposit $500 per month Balances up to $100k 2 AMP Saver Account 5.40% Deposit $1000 previous month Balances up to $250k 3 BOQ Simple Saver Account 4.85% Balances up to $5 million I've not
Best Of
Comparison of the most popular international money transfer services available. The difference can be hundreds! Wise is the winner due to 0% exchange rate markup
Sapiens by Yuval Noah Harari makes you think twice about what we call "progress". We often think of big changes like the Agricultural Revolution as a massive win for humans, but Harari flips that idea on its head. He suggests it might actually be "history’s biggest
News
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Another parcel is plonked onto my doormap and I'm still in my dressing gown sipping a morning coffee :-) Why go shopping when you can get someone else to go for you? My toaster broker last week, but instead of making a special trip to the supermarket I
superannuation
Australia
How you ask? From the superannuation co-contribution. How do I qualify? 1. Earn less than $49,488 2. Have 10% of your income from employment activities How does it work? The government put in 50c for every $1 you contribute this financial year, up to this maximum of $500. So