Your essential 2016 checklist! These tips can help your health, wealth and happiness flourish in the coming year. Another year has flashed by even quicker than the last. Now’s the time to look back on whether you achieved everything you wanted to last year―and set your goals for the coming year. Here are some tips to help you get organised. Health and fitness Make appointments for health and fitness assessments. Then set your goals and …
Retraining your savings brain Where there’s a will there’s a way, especially when it comes to saving. The latest scientific findings reveal that although fewer than 25 per cent of us have a genetic predisposition to squirrel money away for the future, we can all learn to save if we set our mind to it. According to Dr Hersh Shefrin of Santa Clara University in California, a further 25 per cent of people will …
How Reducing Your Electricity Bill Can Save You Money Did you know that you could save additional money if you remembered to turn off the lights? It’s true, you can save money, but the trick to do it effectively is to let your family know the importance of not wasting electricity. If you want to lower your next electricity bill, follow these simple ways to reduce your bill: 1. Turn Off the Lights The most …
Paying your bills in retirement Retirees and those nearing retirement have learned the hard way the importance of holding a portion of their nest egg in low-risk fixed income investments. During the financial crisis cash and bonds not only outperformed shares and property, they helped investors protect their capital and pay the bills.1 Now that interest rates on most term deposits are below four percent 2 and the official cash rate is at record …
Tips for selling your home How to prepare your property for a successful sale Property is a hot topic. Like most of us, you’ve probably found yourself around the backyard BBQ discussing house prices, interest rates and local demand. But we don’t tend to move that often – more than half of us have been in our present house for over five years.[1] So if you’re selling your house it’s important to get it right. …
Help achieve your investment goals with dynamic asset allocation It goes without saying that the investment landscape has changed dramatically in recent years. Deleveraging has become an ongoing theme; central banks have played a significant role in guiding the economy and extreme swings in investor sentiment have all contributed to market volatility. All this will likely continue to impact the reliability of future investment returns. Investment cycles prevail The fundamental principle underpinning a dynamic …
10 reasons your kids won’t listen to your money advice …and how you can bring them around Every parent wants the best for their children but kids often won’t listen to the wisdom of your experience, especially when it comes to money. Don’t give up! Here are some of the common beliefs and misconceptions kids have about managing money—and how you could get them to take your advice. Money buys happiness This is one of …
Give yourself a gap year in your 40s Imagine taking a year to volunteer abroad on a conservation project or to build houses for the poor. Or you may wish to share the skills you’ve learned with others or learn a new skill yourself… Gap years are not just for school leavers. You can take one at any age. Some companies even have sabbatical programs that encourage staff to take time out of their jobs …
How Can You Repay the Debt on Your Credit Card Faster? When people get their first credit card, they assure themselves that they will not use their credit card for unnecessary purchases. However, they have just lied to themselves, as in the coming months; they find themselves in debt. If your credit cards are maxed out and the interest rates are through the roof, you are in a desperate need to get out of debt …
Want To Save Money? Change Your Lifestyle Money Saving Was Never Simpler! We keep looking for money saving tips and ways to grow money, but how many of us try to figure our mistakes that make us such money wasters? Money saving is not that much of a big deal as we have made it! The problem lies in our lifestyle. We have become so used to unnecessary luxuries that we cannot think of a …
