Newsletters and Correspondence | IYI Financial Planning and Life Insurance Broker Income Protection

Where are property prices going?

January, 2012

Dear Subscriber,

Are you wondering where residential property prices are heading? I am.

In general, opinions are sharply divided between the many optimists and a few pessimists who receive enormous publicity.

One of them wrote a much-commented on article with lots of very persuasive graphs showing that the Australian property buyer cannot afford to pay any more because our debt levels are already too high.

What, however, if mortgage interest rates drop?

Investing in Bonds

October, 2011

Many people are uncomfortable with investing in shares at the moment, they feel that holding their money in cash is not the answer but they do not want the restrictions of a term deposit.

There is an investment category that is doing very well at the moment and that usually does well during hard and volatile times. That investment category is bonds.

The 12 Most Common and Costly Insurance Mistakes

June, 2011

The second half of this newsletter reminds you that you only have a week left to put your hand out for a free $1,000 from the government. But first some really great insurance tips . . .

About Investing

May, 2011

In this newsletter we are looking at two questions:

1. are you investing to live or to die?
2. why invest and what are the dangers?

Most of us spend 15 - 20 years on education for forty years of working life, but we spend virtually no time on preparing ourselves for the twenty-five years afterwards.

Insurance is a lot of fun

February, 2011

In this article I am talking about Life, Income Protection and Disability Insurance

Insurance is a lot of fun. There is a huge amount of choice and usually something good for everyone. You just need to find it. Having said that, 80% of the insurance arrangements I see can be improved upon, often by a lot.

Banks are very fragile things – here is why - December 2010

December, 2010

Have you ever wondered why there is so much fuss about banks in the papers and why countries like Ireland prefer to bail out their banks and go bankrupt in the process rather than let their banks fail? The reason is that banks are very frail businesses and when they fail they take down many other businesses with them because banks always owe a huge amount of money.

Newsletters and Correspondence prior to 2011

What will happen over the next 6 months?

What will happen over the next six months?

This is the question I am asked most commonly. At any get together, whenever somebody finds out I am a financial planner, I am usually asked for my opinion or advice about the future.

When I say ‘I don’t know’, the response is often bafflement or anger, even contempt. After all, I should know, I make a living giving investment advice.

Post Budget Update to Clients and Friends

The federal budget has come out and has made some major changes to our financial environment. If you are a client and I felt the budget concerned you directly, then I have already contacted you.

Speech given to group of business people

What does a financial planner do?

People usually come to me when they have to make a financial decision and they are not sure which way to go.

A Deeper Look at the Global Financial Crisis

The financial news has been absolutely terrible and getting worse.
Actually, it is not so bad. It is a great time to take a good look at what makes you afraid and why. It is also the time where the foundations for a lot of fortunes are laid.