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How to keep an eye on your kids’ savings to help them grow
CASH-conscious junior savers can reap far better returns on their savings than their peers but they need to stick to a plan.
While many interest rates on adult savings accounts are hovering around the two per cent mark — kids’ accounts can reap returns of more than five per cent.
Be Careful of Emotional Traps When Buying a Home
Owning that dream house entails a lot of effort and expenses on the buyer’s part, which could be compounded by their failure to recognize signs their agents might not be telling them.
Buying a home is an emotional experience, relates an article at News.com.au. People tend to get emotionally-worked up when they see those glittering kitchen designs, shiny floors and spacious bathrooms. This actually is the worst thing that could happen to a prospective homebuyer.
Be aware that these embellishments, including those lavish interior decorations and designer appliances, do not necessarily reflect the true value of the property.
Owning that dream house entails a lot of effort and expenses on the buyer’s part, which could be compounded by their failure to recognize signs their agents
Owning that dream house entails a lot of effort and expenses on the buyer’s part, which could be compounded by their failure to recognize signs their agents might not be telling them.
Buying a home is an emotional experience, relates an article at News.com.au. People tend to get emotionally-worked up when they see those glittering kitchen designs, shiny floors and spacious bathrooms. This actually is the worst thing that could happen to a prospective homebuyer.
Be aware that these embellishments, including those lavish interior decorations and designer appliances, do not necessarily reflect the true value of the property.
The year 2017 does not look promising to middle wealth pensioners with homes and assets between $600,000 and $1.5 million, unless they invest in riskier but more rewarding undertakings, reports The Age.
Daryl Dixon, executive chairman of Dixon Advisory, said married couples with income of $375,000 using the assets test, with the addition of their full age pension later, will come out better than those with $1 million in assets.
Downsizing is not an answer since the excess money will be taken against the pensioners. Renters will not be in a better position either because of rising costs of rents and unavailability of partial pension. A good alternative is using your investments to buy your own house and get the full pension.
Over-exposure to fossil fuels and unpreparedness for climate change pose potential hazards to pension funds and banks that could ultimately impact superannuation.
The New Daily reports that John Hewson, former head of the Liberal Party, says 55 per cent of the world’s top 1000 pension funds’ money are invested in industries related to fossil fuels, equivalent to US$41 million. By contrast, their exposure in low-carbon businesses is just two per cent.
The drop of the Australian dollar versus the US dollar means that holidays abroad will get more expensive. So it's encouraged that you spend your money here.
Looking back in 2011, the report said Australia used to be fifth in the world when it comes to GDP per person. That was the time when the global purchasing power of people earning the Australian dollar were high.
Naturally, Aussies took advantage of this situation by spending their money overseas. Their expenditures ranged from holidays in Hawaii, Europe, and online shopping from offshore retailers. The high value of the Australian dollar that time meant people with the currency can buy goods at a cheaper rate abroad than within the country. It was the time when the global living standards of Aussies were high.
Just like all good things in the world, the scenario came with a trade-off. The other end of the spectrum saw the commodities boom. This was the event when the prices of physical commodities spiked. The misfortunes of the manufacturing and the retail sectors were also attributed in the strong performance of the Australian dollar.
ABA Urges Customers to Shop Around for Credit Card Deals
If you are not happy with your current credit card provider, shop around for better deals. This was the message that the Australian Bankers’ Association wanted customers to be reminded of in a report by Yahoo! 7.
Regardless of the customer’s reason of dissatisfaction with his or her credit card, be it high interest rates, lack of rewards, or sloppy support, he or she should remember that there are a lot of choices out there. Comparing credit card deals using tools such as the one provided by Rate Choice, will open everyone to products that offer low interest rates or even lesser than the card they are currently using.
Looking for a Way to Finance Your Business?
There are ways to easily finance a budding business in Australia. These are through short term business loans andmerchant cash advance.
The big four in Australian banking finally made their move to avert a likely disaster in the financial system of the nation. According to the Global Property Guide, the banks have made their underwriting rules stricter for property investors because of the growing fear of a housing bubble. Their decision were further influenced by the warning from the Australian Prudential Regulatory Authority stating that a housing bubble could cripple the financial sector.
Financial experts pinned the inflating property figures to the aggressive lending of banks when it comes to home loans, and investors who are aggressively buying more properties to take advantage of the tax breaks.
There's no "secret" to becoming wealthy, and there's no shortcut, excepting perhaps the lottery or being born into a wealthy family. Most self-made millionaires and billionaires did so by pursuing carefully planned, frugal strategies, and have retained their wealth by following their strategies even after obtaining that wealth. Model yourself after these frugal success stories, and watch your savings grow.
Aussies Take a Hit From the Greek Crisis
The Greek economy is almost on the brink of getting bankrupt. This was after years of recession and austerity that were made worse by failed policies sown by its government, according to CNN. Recently, a referendum in the country for an international bailout yielded “No” as an answer from 61.3% of Greek voters based on another report by BBC. Now how do the latest turn of events affect Australians?
In #money and #life, perspective makes all the difference.
Labor Leads Call to Hold Inquiry on Credit Card Rates
The Labor Party and the crossbenchers are organising a Senate inquiry that will look into the existing credit card rates in Australia. Banks and affected parties that will include consumers and consumer groups will be invited in the inquiry. Opposition leader Bill Shorten and his party mate Senator Sam Dastyari wrote to Prime Minister Tony Abbott to ask for his support in the matter.
Is the Overhaul on Superannuation Governance Needed?
The government’s plan to implement reforms on superannuationfunds that would adopt rules observed in retail funds are meeting opposition from the super industry. The industry labels the superannuation governance reforms as unnecessary.
Maybe you talk too much in conversation; maybe you clam up. Either way, communication skills don’t come naturally for everyone. For a better conversational flow, use the 50/50 ratio for talking and listening.