Buying a First Home is Possible

Buying a First Home is Possible

Social media spreads bad news and alarming headlines faster than the sensationalist newspapers of the past. Competition in the media world is intense with some forms fighting for their lives amid an ever-expanding range of electronic information sources chasing an...
Aiming for a Soft Landing

Aiming for a Soft Landing

Economics might be boring but it uses some interesting terms. Right now we are aiming for a soft landing, and appear to be on track to achieve it. If we can, that will be very important for everyone. The opposite of course is a crash landing. That’s when inflation...
Save More When Inflation is High

Save More When Inflation is High

There has been much talk recently about the greater impact of inflation, and the high interest rates to control it, on young people compared to older people. Inflation widens the gap between those who own assets, even if financed by debt, and those who don’t. As older...
Keeping Personal Insurance Costs Down

Keeping Personal Insurance Costs Down

Young families are the people most pressured by high interest rates and the recent big increases in mortgage payments. Raising rates is one of the few levers the RBA can pull to control inflation, and it has an uneven effect across the population. Young families are...
Funding the Major Expenses of Children

Funding the Major Expenses of Children

Raising children is costly with many not becoming fully financially self-supporting until age twenty-five or later. It’s an expensive business with the costs starting small and increasing as the children age. There are school fees, sports participation costs,...
Pre-retirement Pension Opportunities

Pre-retirement Pension Opportunities

Pre-retirement pensions are available from age sixty but aren’t widely used as most people don’t need the income they provide while still working. However these pensions offer quite a range of opportunities. People who are fully retired can use their superannuation to...
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