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Under the pump

If you’ve ever felt that there isn’t enough time in the day to do everything that you need to, take heart…you’re far from alone!

It’s said that the average person has about 300 hours worth of ‘stuff’ on their to-do list, from sorting out...

When it comes to investing the dominant line of thought is that most people are cool, rational investors, and markets move accordingly.

In the real world, we all have our own underlying motivations and fears, and we tend to make irrational decisions that reflect our own personalities, emotions,...

Fads will always come and go in investing as market cycles unfold in ever-changing ways.

Sometimes buy-and-hold investing will be very popular, for example; in other decades it will drift back out of favour as secular bear markets take hold, and as investors lose faith in markets delivering...

Australia’s population is forecast to growth to around 41.5 million by 2061.

If the present rate of growth is sustained, then we’ll get there sooner still.

The share of Aussies living in the capital cities is projected to rise relentlessly until that time, up from about half to nearly...

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, it’s more important than ever to optimise the use of your borrowing capacity rather than wasting any of it with dud assets.

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There’s a very simple reason that raising your ‘financial thermostat’ is important.

And that’s because, if you don’t, any financial successes or windfalls that come your way will most likely be squandered.

It sounds harsh; but it’s true.

I’m pretty sure...

The impostor phenomenon or impostor syndrome is a persistent internalised fear of being ‘found out’ or one’s 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...

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 that’s 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...