Blog posts

Low return or a negative return - what's your pick?

13 Feb 2015

Recently the Reserve Bank of Australia (RBA) cut interest rates to a historic low of 2.25%. This is great news for those who have mortgages, loans or other debt as interest charges are further reduced.

In search of the silver bullet

10 Feb 2015

One thing I find really intriguing is the concept that there are products available that can instantaneously provide us with gratification - "the things we want". What I find even more fascinating is that people actually believe these "silver bullets" exist.

You can't always get what you want...

10 Feb 2015

You can't always get what you want, but if you try sometime you might find you get what you need.

Pass or fail? Your financial health check

30 Jan 2015

​When was the last time you reviewed your financial position and asked yourself whether the plans you have in place are still appropriate given your current circumstances, or is there more you could be doing to get you where you want to be?

Faster or Smarter - what's your choice

30 Jan 2015

If you're anything like me you probably find that there are just not enough hours in the day to get everything done. You may find yourself getting up earlier, staying up later or burning the candle at both ends in a vain attempt to complete your "to do" list.

Three mistakes we make with debt

19 Dec 2014

In my previous article 'Time poor and too busy to save' we looked at the key challenges facing young people when it comes to shaping their financial future.  In this article I take a deeper look at one of today's major issues - debt.

Fake savings with Mobile Apps

17 Dec 2014

As a Shadforth financial adviser, one of the most common questions I am asked is how to manage small savings amounts for young children. Over the years, a number of banks have launched products aimed at this market, but all have suffered from problems like miserly interest rates, account keeping fees, and inconvenient access.

Retirement - How much is enough?

12 Dec 2014

One of the first questions people ask when discussing their retirement is "How much do I need to save to retire comfortably?" It's a good question; naturally, you want to be confident that your money will last as long as possible and allow you to maintain your chosen lifestyle.

Keeping up with regulatory change

12 Dec 2014

More than six months has now passed since the May Federal Budget. The Coalition Government's budget reforms are moving slowly ahead, albeit with a number of compromises and modifications.

Do international property prices impact our economy?

12 Dec 2014

With many people having the majority of their wealth tied up in the value of their homes, house prices have a significant impact on an economy. While this is generally true globally, Australia is perhaps more sensitive to property price movements than most countries.

Are you at risk? Allocation of profits within professional firms

12 Dec 2014

The Australian Taxation Office (ATO) has released draft guidelines on the tax compliance risks flowing from the use of partnerships of discretionary trusts, or similar structures, for professional practices. As a result, the ATO will be reviewing remuneration arrangements used by accountants, lawyers and other professionals to ensure such structures are properly used.

Infobesity – and what to do about it?

11 Dec 2014

Traditionally the major challenge, when it came to making decisions, was the lack of reliable information. This was true in most areas of life – and it was definitely true when it came to personal finance and investing. However, our world has come a long way in the last 20-years or so.