There are always bills to pay and money needed for something or another, and few things seem as boring and unnecessary than an emergency fund. While you can enjoy the rewards of spending on, say, a good winter coat, or can see the benefits of saving for something like university for the kids, emergency funds are, by nature, never seen.
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The Shopping Mall – Convenience to thrive
Just imagine: you go to buy a suit, then walk twenty paces and are at your local grocer, able to buy food for supper. You don’t need to go to your local butcher or fishmonger because they’re both in there, and the locksmiths and dry cleaners can be reached in less than five minutes’ walking. You can even pick up some cat food. After all that, you’re even able to sit down to tea, right there, […]
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Is your portfolio overly concentrated?
A well-balanced, diversified portfolio is a joy for all seasons, giving something no matter what various markets or asset classes are doing. An overly concentrated portfolio is the opposite, a ticking time bomb volatile to fluctuations in macroeconomics and other influencers of the share price.
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The Lazy Susan – Convenience to thrive
There is a common misnomer in finance and in life: if I want good stuff, easily accessible to me at all times, I’ll need to pay exorbitant amounts of money for it. To this, we ask the question: ‘well, what would make you feel rich?’ Often it’s the experience of having exactly what you want at your fingertips, whenever you want. Enter… the Lazy Susan. Anyone born after the 80’s likely doesn’t know what a Lazy […]
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Explaining credit risk
Last month we talked about interest rate risk – the risk of your investment devaluing and you losing money due to changes in interest rate. In a sense, this is about an investment’s possibility of flailing due to macroeconomic conditions. This month, we’re going to look at credit risk.
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5 ways to keep you and your money warm this winter
It’s a cold world out there this June. As the thermometer temperature drops, the price of fuel and cost of living keep rising… but it’s not all doom and gloom.
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When it’s cold out, pull up those covers
“There was little risk involved. Everything up to that point had been left unresolved. In a world of steel-eyed death and men who are fighting to be warm. Come in, she said I’ll give you shelter from the storm.” – Bob Dylan Winter is officially here, and the dropping temperatures have us all pulling up the covers. But what about your finances? Have you got the right ‘covers’ in place to keep your money cosy? South […]
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Taking an interest in interest rate risk
Education around the basics of wealth creation and preservation is like a good, solid diet packed with healthy food staples, it can help you enjoy healthy finances for years and create a strong foundation for building your future.
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Why choice matters
One of the most important holidays of the year is one many of us seldom give thought to – Youth Day. More than forty years ago, a group of high schoolers stood up for a people and shook a nation that shook the world.
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Betting on cars – how to invest in motor innovation without getting a flat
“Never look back unless you are planning to go that way,” Henry David Thoreau once said. Investing in the future is an exciting prospect, but a daunting one as well. And what could be more of a ride than investing in motor vehicles?
But the road can be a bumpy one, even if it is a fast ride, so prudence is paramount when investing in all things motor.
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