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As you can see in the latest Vanguard results 2020 index chart below, long-term holdings in the market pays off and as I talk about all the time, the compound effect can be massive.Where will your goals take you? While short-term market conditions tend to grab...

A long term wealth strategy is one of those things that when we realise we need it, it's too late. Each category as important as each other when it comes to a long term strategy. And a life, retirement and wealth plan is key. At FMG, our mission on this planet is to...

2020 & Beyond. A time of unknowns and uncertainties. This is a more complex situation than in 2008. Then it was a GFC based on deep seated financial problems. 2020 is about a virus. And scientists know little about this virus. At FMG, our mission on this planet is to...

BERKSHIRE HATHAWAY INC.I have put together a few snippets of information that was released to Shareholders of Berkshire Hathaway Inc. Reflecting Berkshire’s Performance vs. the S&P 500, in Feb 2020. Some things to ponder and perhaps expand your knowledge through...

Key points The rout in financial markets has continued, on the back of coronavirus, made worse by a flow on to oil markets. The risk of a deeper hit to economic activity has risen. Key things to watch are the daily number of new cases, measures of economic stress and...

Coronavirus.. Heads up, eyes forward, hands washed and dreams are still there.With the coronavirus advance we all have to do our part right now, so this is my unique way of doing it. Please read and access these resources below... People are struggling to find their...

Not sure how you felt as 2020 came into existence but for me it felt very auspicious and the anticipation of this new year and new decade seemed really exciting. And add to that, the emergence of the Chinese new year being a Rat. Please don't let the name "Rat" fool...

“Over the last 36 years working around ‘money stuff’, it’s certainly not the first time and I can guarantee you one thing, it won’t be the last time, the talk about moving to the supposedly safe haven of gold when fear is in the air. Remember FEAR stands for ‘False...

Are you getting a Tax refund?

Here’s how to spend it in a way that will change your financial life!

Trauma or critical illness insurance cover can provide a lump sum of money to cover immediate medical expenses and other financial needs when a critical illness or injury occurs. What is Trauma or Critical Illness Insurance Cover? Trauma or critical illness cover pays...

Firstly, owning your own business you’ll know all about the challenges of admin – keeping your accounts, finances and income flow all on track. It’s not easy. The last thing you need is a ‘no’ on your home loan application because of the paperwork.But here’s some good...

Budgeting can be hard. So, we have 5 top tips on how to set budget goals. Even when you think you’ve got it under control, a curve ball flies at you and suddenly you’re struggling again. Take a breath. Whether you’re a total beginner or a budgeting spreadsheet pro,...

“Stay the course. No matter what happens, stick to your program. I’ve said “stay the course” a thousand times, and meant it every time. It is the most important single piece of investment wisdom I can give to you” John C Bogle, Founder of Vanguard “Our Perspective on...

7 Hot Tips to improve your chances of getting a mortgage or refinance approval   If your resolution is to get a mortgage any time soon, here are 7 things to think about that could definitely improve your chances of getting a mortgage or refinance approval on your...

There are 7 things a home buyer needs to know to be ready to enter the market. Here are the top 7 things a home buyer needs to know for buying your first home. 1)  Bigger deposit, better position Some lenders can offer low-deposit loans for less than 5 percent of the...

Why should I be comparing home loans right now?   Our circumstances are always changing. So, why should I be comparing home loans right now?  We get new jobs, have kids, retire or become empty-nesters. Regularly reviewing your home loan can put money in your...

Tax Tips For Property Investors – preparing for Tax Time Everyone could do with a little help come tax time and these are our 6 top Tax Tips for Property Investors.   Whether this is the first tax season you’ve faced as an investor, or they’re a veteran property...

Are you making the most of investment property tax deductions?   As an investor, you might not realize there are investment property tax deductions you could be making on smaller items within your property. That could mean valuable savings at tax time. However,...

Are you a woman who is in control of your finances? With many women likely to become solely responsible for their financial wellbeing at some point in their lifetime, you might very well want to be in control of your finances from now. Along with higher rates of...

Financial stress is increasing. 70% of the workforce are now worrying about money and their personal finances. The banks are tightening their borrowing criteria so financial bailout and consolidation of current debt is becoming increasingly difficult. More than 40% of...

‘When implementing a debt reduction strategy, always focus on servicing the clients and the debt will go away, rather than focusing on the debt where the clients go away’. What we focus on becomes our reality. Choose wisely. “It is not strength that matters, its...

Increased Savings If you have an ongoing payment say, for a car, the moment the debt is paid off put that exact amount into your savings. If you don’t, either your income will drop or your expenses will increase to match. Since you were able to make the payment before...

When things break down it’s not uncommon for unexpected bills to result. Depreciation is a physical/financial expression of entropy, the tendency of matter to break down or wear out. If you manage to put half of this extra amount of unexpected bills into savings you...

Good retirement advice helps our clients reach their retirement goals. Firstly, concerns around having enough money to fund a desired retirement lifestyle is our biggest conversation with our clients. Similarly, eligibility for the aged pension, downsizing, and aged...

How Important Is Your Credit Score? There are few common misconceptions regarding your credit report and overall credit score.   The Myths and Facts About Your Credit Score  Myth 1: A credit score is more important than the credit report. Fact:Knowing the...

The Law of Compounding applies to everyone… and is always working. “The Law of Compounding interest is the eighth wonder of the world. He who understands it, earns it… he who doesn’t… pays it.”Albert Einstein Albert Einstein called compounding the eighth wonder of the...

The 70:30 money management rule goes back to the Ancient City of Babylon some 5,000 years ago. Back then was one of the richest cities in the world.  The 70:30 money management rule basically said that for all money flowing into your household 70% would be allocated...

FOUR new Government measures proposed to address Age Pension / Superannuation / Retirement due to longer life expectancies. One of the focuses of these changes is helping retirees prepare financially for a longer and more secure life. It is in response to increasing...

We believe that a successful investment strategy starts with an appropriate asset allocation. Most suitable for YOUR objective. The below chart reflects this in Investments / Shares / Vanguard’s latest annual index chart . One of the key lessons of investing is still...

Aussie’s are proving to be NOT the best savers and are living on what we term as “hope-ium”. So when it comes to retirement, how much is enough? Recent history is generally showing us that unless you have a greater awareness and establishment of a retirement plan you...

What 6 key aspects do you need to know about succession planning for your business? Succession planning describes the process of a business owner transitioning out of their business. Having a plan is essential to ensure the right option is chosen. Along with ensuring...

Our Cashflow and Debt Solution NOW Makes it Easier For You Managing your money has now been made easier with our Cashflow and Debt Solution program. Your personal Cashflow and Debt Solution ‘made easy‘ program is here. In this program we are going to show you how...

The value of quality financial advice will always remain for Australians at their five key stages of life. Despite the royal commission’s disturbing recent revelations, there will always be a place for quality advice. What are the 5 Key Life Stages You Could Use a...

Imagine having an app to keep your priorities on track with an account that thinks like you do. There is a Bett3r way and here’s how..   How to keep your priorities on track with an account that thinks like you do Choose THREE or More Goals ~ easily build your...

Warren Buffet in his most recent annual report for Berkshire Hathaway highlighted over the last 53 years an overall gain in ‘Per Share Market Value’ from 1965 to 2017 a massive 2,404,748% (yes that’s million) compared to the ‘S&P 500 with Dividends Included of...

Cashflow Debt Solutions Our cashflow debt solutions program now makes Managing Your Money easier. Structuring cashflow & debts efficiently and most importantly, to feel financially secure. Managing Your Money Made Easy We are going to show you how to make the...

Considering a career change? Looking for a new job can be exciting, but research shows that financial commitments is one of the top barriers for people considering a career change.   What 4 things do you need to do with your finances before making a career...

I find this is the best time for me to set intentions, goals and priorities for the coming year.  So I wanted to share some insights from an article I think is so appropriate for us in this community and outlines the values in which we must bring on board if we are to...

What do you need to know when Investing – Active v Passive? Active investing is generally more expensive. While passive investing may appear more simple, investors should always consider their goals and have a clear strategy before deciding. The discussion around...

Little things can cause significant changes. We have all experienced that. Imagine if you could change the world, (and your world), just by making your bed.  Yes I know it seems like an odd action and you may ask, how could making my bed change my world? Find...