• Try something new for 30 days

    Here are some things you could try out over the next 30 days which can be good for your wallet and good for your health.

    1. Replace a cup of coffee or softdrink with a glass of water

    2. Walk or ride to work instead of driving

    3. Go to the park or beach for a walk or run instead of hitting the gym

    4. Sell something on ebay or in a traders magazine

    5. Swap one sugary treat at the supermarket for a piece of fruit

    6. Stick a coin in a piggy bank once a day

    7. Use Skype to chat instead of your telephone

    If none of these do it for you, why not set yourself a 30 day challenge. You may just surprise yourself with what you can achieve. In saying that, there is a lot to be said for small steps, as explained in this article

  • Ken Robinson - Schools kill creativity

    Creativity expert Sir Ken Robinson challenges the way we're educating our children. He champions a radical rethink of our school systems, to cultivate creativity and acknowledge multiple types of intelligence. Sir Ken Robinson makes an entertaining and profoundly moving case for creating an education system that nurtures (rather than undermines) creativity.

  • Johnny and Chachi's Teamwork demonstration

    A lighthearted look at what teamwork can achieve. Wouldn't you like to have Johnny and Chachi as part of your team. Building teams is important, whether this is at work or your personal teams.

  • How Serious is too Serious?

    Here are a few things you can do to keep the stress and seriousness out of money:

    - Set out and remain focused on financial plans and goals;
    - Remember that unexpected financial needs may arise;
    - Do up a budget and don’t let bills take over;
    - Make allocation in your budget for pleasurable items too; and
    - Find out your money personality as this can help identify strengths and weaknesses and help reduce conflict and stress around money.

    Approaching your financial life with a non-serious yet focused attitude will help overcome any difficulties that come your way while making the most of the money you make and accumulate.

  • Shekhar Kapur - Where does Creative Inspiration Come From?

    Shekhar Kapur is a visionary filmmaker and storyteller who works at the intersection of art, myth and activism. At TEDIndia, Hollywood/Bollywood director Shekhar Kapur ("Elizabeth," "Mr. India") pinpoints his source of creativity: sheer, utter panic. He shares a powerful way to unleash your inner storyteller.

  • Dumb ways to Die

    If you have people who are financially dependent upon you, and/or you would like to look after someone once you’re gone, it’s important to review your asset and income position, and how this relates to your insurance coverage.

    Life insurance is one of the most cost effective ways to provide financial support to your loved ones once you’re unable to do so. As your situation changes make sure your insurance position is reviewed to ensure the coverage is appropriate for your changing needs.

    How insurance benefits are eventually paid out is as important as having the insurance in the first place. You can read more about this here.

  • Life Insurance Animation

    What’s your life worth? If the unthinkable happened would the people who depend on you the most survive financially? Life insurance is designed to help lessen the financial impact on your family and dependants following your death. 

    Life insurance is normally payable on the death of the life insured or when they have been diagnosed with a terminal illness and their life expectancy is less than 12 months. The level of life insurance required is different for each person and professional advice should be sought to ensure an appropriate amount of cover for your personal situation.

    Any changes in your personal circumstances like taking on additional debt, the birth of a child or selling an asset often necessitate an insurance review. Accordingly, it’s important to regularly update your professional adviser about any changes in your circumstances as this may affect the level of cover required.

     

  • The big benefit of small advantages

    One of the main contributors towards your financial success and wellbeing is the habits and behaviour you have developed around money.

    Similarly, some are so focused on saving every cent that they forego adequate and appropriate insurance, or go years without putting a will in place, even where there are young children dependent on the health and survival of Mum and Dad.

    On the flipside, there are many who struggle from payday to payday, unaware of the money that could be slipping through the fingers. If this is you, take five minutes to complete the budget planner. You may not stick to it, but it will get you thinking a bit differently.

    In saying that, times can be financially tough throughout different stages of life, and it's in these difficult times that we discover whether the habits we have developed are strong or weak ones. If there is something that you would like to change, but have been putting off, let this video about tying shoelaces be your encouragement to make little changes.

  • Kid demonstrates outcome of overconfidence

    One of the more intuitive things to determine in life is what we are capable of and what we are not.

    Importantly, just because someone is not capable of something today, it does not mean it will be that way forever.

    In saying that, going from zero to hero is a rare accomplishment, with significant risk for anyone who tries.

    For example, going from share novice, to storming day trader is about as likely as going from a beginning swimmer to a big wave surfer.

    Calibrating confidence is an important skill in order to develop ourselves in a risk managed way. Such a concept is critical for effective financial management, mitigation of financial risk, and healthy relations with loved ones around money and finance.

    Good chance the young man in this video will test the strength of his landing platforms next time around!

    Read article on calibration of confidence and young drivers.  

    Read article in share trading and calibration of confidence.

  • Richard St. John's 8 secrets of success

    Richard St. John is a self-described average guy who found success doing what he loved - researching the lessons of success and distilling them into 8 words, 3 minutes and one successful book.

    When you capture these eight traits and bring them to business, work, and personal finance, you are bound to achieve.

    What do you want to achieve? It is important you get clear on what you want, what you are passionate about, and what success means to you.

    With this in mind, mind your focus, remember to serve, practice and persist.

    By all means push, but remember, sometimes a different way is easier. So if you feel like you need a different perspective, a new idea, ask.

  • 10 top time-saving tech tips

    In this video there are a few useful tips to get the most out of your technology. Here’s a few for finances. You’ve probably heard of them, but they are easy to forget.

    1. Don’t spend more then you earn
    2. Pay your credit cards and personal loans off every month or as quickly as possible
    3. Minimise the use of store credit for items that you don’t really need
    4. Don’t waste money on things your addictions want, spend it on things that really mean something to you
    5. Minimise your taxation liability through superannuation and family trusts
    6. Protect your assets using insurance and trusts
    7. Understand your money personality and how this influences the way you use money

  • Can't stop the music

    Like the evolution of music and dance, personal finance and world markets will continue to evolve and change.

    What’s more important than worrying about the change is ensuring your fundamentals are working for you.

    The fundamentals include protecting your assets, typically through the use of insurance, maximising the use of cash flow through savings and investment plans, and making the most of tax structures such as superannuation and family trusts to maximise the longevity of your capital.

    If you know someone whose financial fundamentals are all over the place, then refer them to us so we can get them back into some rhythm.

  • The obstacles through the race of life

    The star, Dot, is 9mm tall and on the run - jumping, dodging and weaving obstacles as she goes.

    It’s only when Dot turns and faces the encroaching mess, that she is able to knit it into a blanket of security.

    Sometimes you need to stop and put the magnifying glass on your finances. Maybe it’s the cost of living, your use of savings, or your attitude towards finance.

    So if you’re running, stop, turn around, and sort out what needs sorting out. If you’re all sorted, why not send this little video to a friend who isn’t?

  • Is this risky?

    While flying is no doubt a risky activity, the risk can be reduced by the flyer having the appropriate competence and emotional confidence.

    Whether we’re talking about flying, managing money or any other activity for that matter, one of the best things we can do to look after ourselves is to identify when we are being under or over confident and then adjust accordingly.

    Our article “avoiding the financial skids” has more information on this.

    There is also information on how calibration of confidence relates to and interest free loans as well as share trading.

  • Premature celebration

    This cyclist could do with a reminder that it is safer to ride your bike by holding onto the handlebars.

    Yes, most of us have rode our bikes "no handed", but doing so in a race seems like a risk a little greater than what is needed.

    What does this have to do with money and personal finance?

    Very few people have had the opportunity to find out what they know and don't know without putting their hard earned dollars at risk. But this has changed. You can use the knowledge centre's learning modules and quizzes to find out what you know and don't know, and at the same time, increase your knowledge.

    The benefit of this is at least you will be more like the cyclist who ends up winning the race, and not the one who will never forget the day he took his hands off the wheel.

    See the kid who was bitten by over confidence.

    Read about the share trader who learnt about the markets the hard way.

  • The rhythm of money

    Many business owners will attest to the fact that infrequent or lumpy cashflow is much more difficult to manage, and often more stressful than a steady and rhythmical flow of cash. This is why many people need weekly, fortnightly or monthly income and expenditure patterns to find their financial rhythm.

    Importantly, you can improve your rhythm through a regular job or stable business. You can add to this by regular repayments on loans, regular contributions to superannuation, regular acquisitions of assets, and for the retirement years, regular drawings from superannuation (by using an account based pension for example) or drawing in a regular and measured way from other assets such as property or shares.

  • Procrastination. Methods and tips!

    In this short video, Charlie runs through his five procrastination indicators and some theory on why procrastination comes about. While it may be argued Charlie is too young to be providing such advice, some of his tips are deceptively simple yet wise.

    While watching, go easy on challenging Charlie's medicinal competency. That will only keep you away from his valuable tips based on "focus on what you are doing and keep everything else out of sight/earshot and out of mind".

    Such advice is so pertinent in a time where virtually every gadget can beep or buzz at you, demanding your immediate attention!

    Is procrastination one of the reasons people do not achieve their resolutions? Find out here.

  • Getting the best directions

    A very funny video that reminds us that while giving directions to another can be a nice thing to do, sometimes we can end up red faced if we don’t know what we are talking about, or if someone misinterprets what we suggest.

    If you have a friend or family member thinking about a new investment opportunity, or a different way to manage their finances, get them to give us a call before they get too far down the track.

    Keep in mind that what suits you may not suit another. We have all the information needed to help them along their way and keep them away from the gorillas.

  • Guy Kawasaki - Don't Write a Mission Statement, Write a Mantra

    Instead of a big fancy mission statement Guy suggests a simple mantra. But what does entrepreneurial concepts such as this have to do with personal finance?

    It helps you answer, "what is the purpose of my work?" If your answer is to make money, you can look a little deeper, and determine if it is to make money, or provide for your current and future financial needs. If this is the case, it is important that you blend both spending for today and investing for tomorrow.

    Your answer may be less dollar related, and more about making the world a better place, or simply because you enjoy it. If so, don't forget that to work you need to be physically, mentally and emotionally capable to do so. So while you may see yourself working forever, don't forget to protect yourself with insurance in case you become injured, ill or unable to work for some other reason.

    In the meantime, don't underestimate how valuable a personal mantra can be for you. It can help you remember why it is that you are doing what you do.

  • What's water art have to do with money?

    In this short video, we see a fascinating demonstration of water art.

    While you can be mesmerised with what the artist is creating, once done, the artist brushes his work away in a moment.

    This reminds us of how quickly things can change, and how we can attempt to hold on to the way something used to be.

    But with the change, a new opportunity appears, and we see the artist take advantage of it.

    When you’re going through changes in your financial situation, make sure you talk to us, as an opportunity may have presented itself that wasn’t previously available.

    Try something new for 30 days , Extra Repayment Calculator , The big benefit of small advantages

  • Saving for a holiday or an experience?

    Watching this video can give you a taste of the travel bug – is there anywhere you want to go?

    Sometimes we get stuck in the mundane and ‘rut’ of life. Life is about experience, sharing fun times and living each day. To some of us doing the amount of travel and destinations in this video would scare us immensely. To others, they could throw away everything, put on a back pack and go for it.

    There is so much these days that you can experience without money and obviously lots you can experience with the help of money. If you have a travel goal and want to see how long it will take to save for, use our savings calculator. You could also read our Savings tips article. For other destination ideas you can review Matt’s first video.

  • Derek Sivers: Keep your goals to yourself

    We have heard it many times before, it is good to verbalise a goal as it makes you more accountable. This might be to lose weight, do some exercise, a financial goal or career or business goal.

    Often it can be our first instinct is to tell someone when we come to that decision to do somethng. But Derek Sivers says it's better to keep goals secret. He presents research stretching as far back as the 1920s to show why people who talk about their ambitions may be less likely to achieve them.

    Which is it for you? Do you find letting people know you goals gives you more enthusiasm to make it happen or do you have a tendancy to not acheive the goal once you have let the world know?

    Have you set your Goals in line with your Money Personality? This may be another challenge for you.

    If there are financial goals, whether it be paying off some debt, buying a house, selling a house or having a savings plan. We currently have 20 money calculators that you look at the outcomes of different scenarios.  

  • Where do you fit in?

    Based on the Australian Taxation Office’s (ATO) 2010-11 data, nearly 11 and a half million people have a superannuation account.

    This video represents the 11 and a half million people as 100 people, giving you a snapshot of how Australians interact with the super system, dissecting the account holders by age, income, super balance, and the types of contributions received in their super funds.

    There are some interesting statistics in this video. How does your superannuation nest egg compare? You can read more about the ins and outs of super in our Superannuation Module and you can test your super knowledge via our online Quiz.

  • The Joy of Books

    There is a saying that rich men have big library’s and small TV’s. We are not claiming this to be categorically true, however, it is important to recognise that what we choose to learn and understand is a predictor of what our future holds.

    Replacing a few hours of TV time with some directed learning from books, whether in print or online, can positively influence your future.
     
    Want to do improve your financial future? Read about borrowing to invest, the benefit of compounding knowledge and protecting your family with Testamentary Trusts.
  • Beauty is in the Eye of the Beholder

    It’s interesting to see how people make different observations and conclusions based on a surface review. Sometimes a deeper review can provide a more accurate understanding of what is going on. This example is with people, the same can be said for businesses and investments. Some people look at a run down house as a dump and others a dream.

    You might like a particular public company, however not really understand what is going on behind the walls. Knowing more helps us align our choices for investment with our timeframes and tolerance to risk.

    Avoiding the financial skids

    Is this Risky?

     

  • A very entertaining reminder of the basics

    Getting clear on what you want and staying focused on the steps needed to achieve your goals can be easier said than done, particularly given the amount of noise in our technologically rich society these days.

    The basics of personal finance continue to require appropriate focus and discipline to get what you want out of life.

    While managing cashflow, minimising taxation and working with sound investment principles may lack entertainment and excitement, it’s important to remember the foundations that provide the footing for everything else to work over time.

  • Investment Scam

    6 millon people are exposed and 800,000 fell victim and lost almost $1billon via scams and fraud. Are you part of this statistic?

    Given that many of the scams originate outside Australia, it pays to be vigilant. This video explores Investment Scams.

    You might want to watch this dog’s reaction when he too got a lemon.

    Read about how to discard your old computer safely.

    Or you can polish up your investment skills in the investment module.

  • Income Protection Animation

    You possibly haven’t considered it, but what would happen if you suddenly couldn’t work?

    Could you still afford to meet your mortgage payments, or your rent or even pay for your groceries?

    This video provides an overview of Income Protection, also known as salary protection insurance.

    It gives an insight into who it is suited for and how it can provide peace of mind and financial protection for you and your family.

    You should ensure your insurance cover is adequate for your needs as under-insurance can present a serious problem.

  • Try something new for 30 days

    Here are some things you could try out over the next 30 days which can be good for your wallet and good for your health.

    1. Replace a cup of coffee or softdrink with a glass of water

    2. Walk or ride to work instead of driving

    3. Go to the park or beach for a walk or run instead of hitting the gym

    4. Sell something on ebay or in a traders magazine

    5. Swap one sugary treat at the supermarket for a piece of fruit

    6. Stick a coin in a piggy bank once a day

    7. Use Skype to chat instead of your telephone

    If none of these do it for you, why not set yourself a 30 day challenge. You may just surprise yourself with what you can achieve. In saying that, there is a lot to be said for small steps, as explained in this article

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