2705, 2016

Biggest Changes to Super in a Decade

By |May 27th, 2016|Financial Freedom, SMSF|0 Comments

BUDGET 2016-17


Concessional contribution cap is reduced to $25,000regardless of age from July 1, 2017

These are the ones you make before your income tax is taken out. They include the super from your employer, salary sacrificed contributions, and any other contributions where you’ve claimed a tax deduction. […]

2406, 2015

Not everything that can be counted counts

By |June 24th, 2015|Investment Fundamentals, Research|0 Comments

“Not everything that can be counted counts and not everything that counts can be counted”

Albert Einstein
I’m of the generation where your parents and the complete set of Encyclopaedia Britannica were your ‘go to’ fountains of knowledge, the university library catalogue was on microfiche and assignments were typed using copious amounts of liquid paper. Research […]

805, 2015

You don’t have to be a ‘loser’

By |May 8th, 2015|Financial Freedom, Interest Rates, Property Investment, Wealth|0 Comments

You don’t have to be a ‘loser’…..

The Reserve Bank’s duty is to maintain “the stability of the currency, full employment, and the economic prosperity and welfare of the Australian people.”

It’s a big ask!

This month’s decision to cut the cash rate by 25 basis points to a record low of 2% would not have been an […]

904, 2015

One pie too many…..

By |April 9th, 2015|Financial Freedom, Hot Spots, Investment Fundamentals, Property Investment|0 Comments

One of the most basic concepts in economics is utility, the satisfaction you derive from consuming or using a good or service. Long before quinoa and tofu took over school canteens, I taught the concept of utility by getting my students to imagine eating a hot meat pie and sauce at lunchtime. (It worked well […]

1603, 2015

Please explain…

By |March 16th, 2015|Negative gearing, Population, Property Investment|0 Comments


Why are most politicians incapable of actually explaining anything?

Do you remember when your parent used to say “because I said so!”? You knew there was more to the story but you knew they just didn’t have the time or energy or will to explain why!

Take the now defunct carbon tax as an example. Observing the […]

203, 2015

If you fail to plan…

By |March 2nd, 2015|Financial Freedom, Property Investment|0 Comments

Sixteen years ago I made a career change and started working in the first home buyer market. The company’s unique offer helped many to overcome the virtually impossible task of trying to save for a deposit while still paying rent. I remember clearly the client’s sense of pride and accomplishment and optimism as they took […]

103, 2015

Why property as an investment choice

By |March 1st, 2015|Property Investment|0 Comments

Like in any market property price growth is primarily a function of the demand for and the supply of housing. The demand for housing is a product of its necessity and of the population size and forecast growth, currently at record levels both current and projected. It’s also influenced by government policy, incentives, consumer confidence […]

2702, 2015

Is there really only three things you can do with your income?

By |February 27th, 2015|Wealth|0 Comments

As a nation and as individuals the main economic problem we face is scarcity.

We have essential needs but we have unlimited wants and most of us have limited resources or income to satisfy those. Our dilemma forces us to make choices. As rational human beings it’s assumed that we all try to allocate our scarce […]

2202, 2015

Interest rates, what if?

By |February 22nd, 2015|Property Investment, Wealth|0 Comments

Interest rates are defined as ‘the cost of credit’, in other words it’s the price we pay for using other people’s money. Household debt in Australia is close to $2 trillion, around $80,000 per person. Obviously some owe a lot less and some of us owe a lot more!

Finance is crucial to economic activity; for […]