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The amount of mortgage debt that you can carry these days is likely to be constrained to an approximate ratio of your total income.
Given that this is now the case, itās more important than ever to optimise the use of your borrowing capacity rather than wasting any of it with dud assets.
How, then...
Thereās a very simple reason that raising your āfinancial thermostatā is important.
And thatās because, if you donāt, any financial successes or windfalls that come your way will most likely be squandered.
It sounds harsh; but itās true.
Iām pretty sure you could have given the 21-year-old me vir...
The impostor phenomenon or impostor syndrome is a persistent internalised fear of being āfound outā or oneās life achievements being exposed as a fraud.
The condition was first recognised in the 1970s, and encapsulated how common it can be for those exhibiting the syndrome to feel undeserving of th...
The concept of the hedonic treadmill refers to the tendency of people to revert back to a relatively stable level of happiness over time.
And thatās in spite of the good and bad fortunes we will inevitably experience along the way.
You might think of it more as a thermostat than a treadmill, depen...
In years gone by many of us invested predominantly in our own back yard (almost literally so in some cases!).
It made sense at the time.
But today it has become considerably easier to access international markets, so it doesnāt necessarily make sense to have the same home bias that once prevailed....
In recent times the Aussie economy has been through a disruptive banking Royal Commission and a credit squeeze, and growth in the economy has accordingly been running at the slowest pace since the financial crisis.
The housing market has experienced quite a sharp recovery, though, effective almost ...
While income inequality hasnāt increased too dramatically in most developed economies, wealth inequality has increased.
The extent to which the case has been widely debated, but generally we have been through a period of rising inequality.
And this may well continue, given the likely trajectory of...
Can you quit the 9 to 5 to find and live a more meaningful life?
The answer is, almost certainly, yesā¦but perhaps not overnight.
As with most of lifeās big decisions you need to map out how you are going to achieve the goal.
And you need to have a contingency in case things donāt go exactly accor...
