Author: Shannon Cramer

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What Really Drives Interest Rates?

The Reserve Bank of Australia (RBA) and the major trading banks may play the most visible role in setting interest rates, but in many cases they are being reactive rather…
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3D illustration of a smiling man in a suit with a red tie, raising both hands in a questioning or shrugging gesture.

Will There Always Be an Age Pension?

With all of the talk about the need to be self-sufficient in retirement it’s not surprising that many people assume that the government-funded age pension will be phased out altogether…
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Digital illustration of a smartphone surrounded by Bitcoin coins, with a glowing world map and financial chart in the background.

Learning About Cryptocurrency

Cryptocurrency has been a hot topic for some time now. Although we don’t professionally work in this space (so nothing in this article is advice or a recommendation to invest),…
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A blue cloud-shaped icon with a secure vault door, containing a yellow folder with documents inside, symbolizing cloud storage security.

Placing Your Family Wealth in a Trust

The basic function of a trust is to separate control and ownership. The result of using a trust is that assets are protected and profits are distributed in the most…
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A small house sheltered under a red umbrella with a rain cloud above it, symbolizing protection from the elements.

Renovating? Be Careful Not to Over-Capitalise

Perhaps due to the popularity of do-it-yourself (DIY) television programs, home renovations are big business. The rewards are there, but watch out for the hidden costs. Australians in increasing numbers…
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A pink piggy bank and a small white house balanced on a seesaw, symbolizing the concept of saving money versus investing in property.

The Art of Downsizing

The kids have finally left home and now you’re rattling around in a house way bigger than you need. If it’s time to think about downsizing, there’s more to it…
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