Why are credit and debit card surcharges still being charged in Australia? I find it anoying after having seen the price and then paid, to then find I was actually charged a slightly higher cost on my receipt! If you havn't noticed this yet, ask for your receipt
Be careful about giving out your online banking credentials to third parties. It could leave you liable for any losses.
Stop outsourcing your financial future to glossy brochures and charming sales pitches. From dodgy property deals to overpriced mortgages, the cost of handing over responsibility is real—and expensive.
FAANG stocks earned their reputation as "superior" or market-beating stocks primarily due to their market dominance, massive scale, widespread popularity, strong historical growth, leadership in their respective industries, and adaptive, innovative business models.
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
Some of my most listened to podcasts about finance
To remind yourself of that go visit https://www.gapminder.org/dollar-street to appreciate all you have with fresh eyes.
Earn under $49,488? You could get up to $500 from the gov via the super co-contribution. Just put in $1,000 after-tax into super and they’ll add 50%. It’s a rare 50% guaranteed return!
Wise isn't just a better way to transfer money; it's a financial revolution. It empowers you to take control of your money, demystifies the world of international finance, and ensures you're not getting ripped off by hidden fees and unfair exchange rates.
My number one tip to invest in yourself would be to read. That's it, just read books. Actually not any old trashy novellas, but non fiction books that teach you something about the world.
Any of these headlines sound familiar? “Crash! Share market falls of a cliff, $200 billion lost” “Share market loses $41 billion as market drops to two-year low” “$50 billion wiped off share market, worst result since Brexit” “Why the stock market plunged on Monday” Oh no!, run for the hills,
Warren Buffett's legendary 10-year bet against hedge funds proves that simple index funds can outperform the pros. Find out how the hedge funds got humiliated.
ebikes
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
Investing
Ever worried about what would happen to your online investment accounts when you die and more importantly how would your 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 access to your
Australia
Australia’s dividend imputation system refunds tax already paid by companies via franking credits. Fully franked dividends can boost yields by over 40%, giving Aussie investors a big edge. It’s like getting a bonus just for investing locally.
Australia
By 'best' I mean lowest cost to you as an investor. Diferent brokers charge various fees on the ASX and US markets for shares and ETFs. Therefore I've highlighted the best broker(s) for each of these four categories. Best for U.S. Shares Service % fees*
Australia
You are the only person responsible for your financial future. If it all goes belly up the buck ultimately stops with you. Even if you have been given dodgy advice from a financial manager, it’s your responsibility to do your homework and take responsibility for your investment choices. No
Superannuation
Did you know that a seemingly small fee of just 1% on your investments can result in you losing more than 20% of your balance over 40 years, and that a 1.5% fee can result in you being deprived of around 30% of your investment over the same time!
Superannuation
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! Why are Aussies being so badly ripped-off? Well we could blame the superannuation funds for slugging consumers with hidden high fees
Index funds
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
Credit Card
Over the last few years I've been making use of the 0% spending rate on new credit cards and then transferring the balance to a 0% balance transfer cards. As you might expect I've racked up a considerable amount of debt, albeit at 0% interest + annual
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’ Some other examples where a higher price does not guarantee a better product
UK
IS the FTSE 250 allways a better bet than the FTSE 100? Historically, it seems to have always outperformed the FTSE 100 index. Look at this comparison below over the last 17 years. The FTSE 250 has returned about 250% whereas the FTSE 100 has gained not very much at
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% -