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What is happiness? These countries seem to have the answer

What makes a happy country? Is it their economy? Health system? Employment rates? Recently a group of experts including economists, neuroscientists, and statisticians released their fourth world happiness report aiming to answer these questions and distinguish which country tops the...
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4 big lies about property investing: Are you being fooled?

The lion’s share of your property’s value is in the land, therefore you should always buy houses rather than apartments. Have you heard that one before? It’s an oldie but a goodie, and harks back to those days when everyone...
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What is loyalty to your bank costing you?

With half of Aussies devoted to just one bank, their loyalty is costing them dearly. Concerning new figures from show 47% of Australians are staying with one bank for their financial needs, potentially paying the price for their loyalty....
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Sorry, newbies, but it takes money to get into property investing

I’ve said it before: it’s always been difficult to buy your first property. No matter whether it was the 1960s, 1990s or now, scrimping and saving for that deposit takes discipline and dedication. Now I admit that with property prices...
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What’s the difference between borrowing capacity and affordability?

Many novice investors make a simple mistake when they first start out. And that’s because they don’t understand the difference between their borrowing capacity and their affordability. So I’d like to clear up this issue to help investors manage their...
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4 common money mistakes made by millennials

Every generation seems to think the next generation isn’t doing it right. They offer well-meaning “advice” based on their own experiences, which may no longer have any relevance in our fast-changing world. Over the past three decades, the rate of...
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Are you too nervous to buy your next property?

While many Australians would love to get their hands on an investment property, a large proportion also admit they’re not brave enough to take the plunge in the current economic climate. A Galaxy Research survey of 1,005 people nationwide, conducted...
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15 ways to make yourself happier and more successful

Happiness isn’t always guaranteed in life. But there are plenty of strategies you can employ to make yourself happier – every day. You see, happiness is a state of mind that you can choose, even if you’re technically having a...
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The difference between good and bad debt

If you’re like me, your parents taught you not to take on debt. You were probably taught something like this: get a good education, get a good job, get married, buy a home and pay it off. And you were...
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Housing finance: owner-occupiers make hay while the investors stay away

APRA’s crackdown on risky lending practices have made a further impact on the market, according to the ABS housing finance data released today. The ABS data shows there was a 1.4 per cent drop in investor lending in May and...
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