A property’s value is typically divided into two components: the land value and the value of any improvements, such as the dwelling. Conventionally, land tends to appreciate over time, while…
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Many people face two financial planning challenges. Firstly, their projected super balance may not be enough to fund their desired living expenses in retirement. Secondly, they would like to enjoy…
Despite bearish property price forecasts over the past few years, capital city markets have proven to be very resilient. I note that Westpac joined other major banks last week by…
Many people can be very focused on repaying their home loan in full before they begin investing. They are so averse to debt that they cannot envisage doing anything else…
Despite a tumultuous year in share markets, superannuation returns for the financial year ended 30 June 2023 were above average. This is mainly due to a strong finish as international…
Warren Buffett’s long time business partner, Charlie Munger, who incidentally, will turn 100 in January next year, famously said, “The big money is not in the buying or the selling,…
Engineers know that for a building to remain structurally sound for many decades it must have strong foundations. It doesn’t matter how good a building is above the ground, if…
Now that home loan interest rates have risen by 4% over the past 13 months, is it still worth investing your surplus cash flow, or should all cash flow go…
The ‘great Australian dream’ has always been to own your own home, debt free. It gives you financial security, and over the past three to four decades, homeowners have enjoyed…
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