OPINION

Certainty Blog

What to learn about our financial lives from the pre-election polls

Another election, another upset, another realisation. The realisation is that the pre-election polls distracted everyone from what quiet Australians were thinking. They were out of touch and a significant distraction. So be careful when you hear the first promises the...

Over-priced plans

I love flying. Always getting distracted by overhead planes, I’m regularly tuning into flight radar to check out stuff. Obtained my fixed and rotary wing license thirty years ago and would have the world aeronautical charts up on my walls if the family let me. The...

What’s conflicted advice?

The Chinese-based Huawei Group seems to be conflicted. Despite being recognised as a world-leader in forth-coming 5G telecom technology, western countries are reticent to trust them to advise, build, and maintain their future data highways. Similarly, Robert Muller’s...

What I learned about financial advice from Kodak

Remember how we used to buy memories? We’d buy some film for our camera. While we don’t buy film anymore, we still value memories. In fact, we value and share memories more than ever – about 300 million photos uploaded every day. That growth wasn’t anticipated,...

Value before Price

Is now the time to join the crowd shifting to industry funds? It depends on the value being sought. Value means different things to different people. Whether buying your morning coffee or another pigeon to your flock, we all value things differently. In many ways, the...

Hayne – Set – Re-Match

 “When you're up to your armpits in alligators, it's difficult to remember that the original objective was to drain the swamp.”   The Hayne report was an anti-climax. When our Treasurer announced the report with “From today, the banking sector must change, and...

How Advice Firms Grow – Wobble Theory

How do Advice Firms Grow? In many ways. But I believe there are distinct patterns that if understood as part of a bigger cycle, it may help you grow faster or appreciate how you are growing (or why you are not growing as you'd hoped). I've developed a growth model...

The stone rejected by the builders, turns out to be a cornerstone?

Penny works within a busy accounting and financial planning firm in Brisbane. Raised and spent most of her adult life in the small country town near Toowoomba, she knows all about close-knit Australian communities and how important they can be for each other. She's...

Get a compliance degree – or get out?

Treasurer Scott Morrison’s recent Recommendation 25 seeks to advance the need for advisers to have a relevant tertiary degree. While advancing yourself through study is never a bad thing, I want to ask if compliance degrees are absolutely the best way to advance the...

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