Life after work
We spend months or years preparing for many significant life events. The first for many of us was the build-up to going to �big school�. Our three-, four- and five-year-old selves grew increasingly excited, right up until the day school started and then there was an overwhelming flow of emotions that may have been more […]
Living to 100�
So many things have changed in the last four decades, and yet so much has stayed the same. Financial planning has become an entire profession and is no longer just a bunch of salespeople selling insurance. It�s evolved into a profoundly nuanced practice, and those of us who are continually advancing our professional development are […]
Why do we become people pleasers?
We all have reasons for doing things. It might be because we�re sticklers for following rules, or perhaps we avoid difficult situations and emotions by constantly focusing on the positives. Maybe our motivations come from a restless spirit or a drive to keep control and order – but for some of us, we become people […]
The hidden costs of credit
As 22seven recently published on medium.com, �Always think twice before you buy something on credit or take out a loan.� Here�s the thing to remember with credit – it�s just a nicer way of saying that you�re spending money you don�t have. In other words, you�re using someone else�s money to fund your current lifestyle. […]
Pop that balloon� or let it go
A balloon payment (also called a residual value) is quite simply an amount of money that is still due after you�ve finished paying your monthly instalments. The goal of structuring a loan with a balloon payment is to make it more affordable on your current cash flow, making it very attractive.� They are ideal for […]
Visualisation and stress
Not all stress is bad. But, if left unmanaged and unchecked, stress can become quite unhealthy for us. We all know many causes of stress, but we don�t always slow down enough to think about the specifics that are causing stress in our own lives. Money, health, family, friends, work, safety and security – are […]
How to avoid Trust issues
Trusts are not only for the rich and famous – they can offer valuable protection for your family wealth. As vehicles of wealth preservation, trusts have had some important regulatory changes over the past few years as authorities have attempted to shift them away from tax evasion and more towards a true, family-minded way to […]
Seeing the light.
There are many reasons for our increased stress levels – the use of technology and how it has changed our communication with each other and the world around us is complex and deeply integrated with our wellbeing. But where we used to follow seasons and the flow of the natural world around us, we have […]
Divorce and de-will
The top five most stressful events in life are often cited as the death of a loved one, divorce, moving, major illness or injury and the loss of work. When one of these happens to us, our emotions overwhelm us and make it tricky to think lucidly. In recent years, particularly since the global pandemic […]
Inflation & Interest Rates
Typically, inflation and interest rates are in an �inverse� relationship: When rates are low, inflation tends to rise. And when rates are high, inflation tends to fall. Moneyweb recently wrote �increasing the cost of credit will reduce the demand for it and therefore slow down the pace of �new money� entering the economy via credit […]