OPINION

Certainty Blog
Toilet Roll Icon

Toilet Roll Icon

The toilet roll is an appropriate icon for the coronavirus. Like our confidence, we take our toilet rolls for granted. Until there are none left – all grabbed by fear. The same fear that steals our confidence. Add in the terrible elements of our social media habits,...

Adviser’s Balance Sheets

Adviser’s Balance Sheets

“There’s so much opportunity for financial advisers in today’s market”. Samantha Albiez is Senior Adviser with Bravium, a self-licensed boutique advisory firm in downtown Braddon, Canberra. The firm specialises in SME owners, young families, busy professionals and...

What Advice is That?

What Advice is That?

  People don’t want more choices – they want to be more confident in the choices they make. Read NYU’s Professor Galloway’s musings? Easy read, makes sense, consistently clarifies some things for me. I’m presenting a model of advice in this blog. It’s for clients...

Fair & Reasonable Price?

Fair & Reasonable Price?

When’s the last time you paid a fair & reasonable price for something? This morning’s coffee? When you last filled your car? Your last holiday? Your special person’s Christmas present? Your donation to a bushfire cause? We make fair & reasonable decisions all...

2020: The next phase

2020: The next phase

Welcome 2020. A new decade for some. Regardless – every new year presents a possible milestone or waypoint for fresh starts. Waypoints are not just for new year’s or decades. They can be stabbed into our lives – such as our devastating bushfire season. Other...

A Disastrous 2020?

A Disastrous 2020?

The 11th March 2011 Fukushima nuclear disaster caused by the Tohoku earthquake was the worst nuclear accident since Chernobyl in 1986. However, while no deaths are due radiation exposure from the disaster itself, new research suggests that more people suffered and...

The Advice Yips…

The Advice Yips…

Read Good Walk Spoiled? I reckon it’s a great book. It’s about golf, but really a story about characters. Characters under pressure. That’s golf – either a casual hit or a classic test of character. At the highest levels of the game, the classic tests can be...

Valuable Connections – The Future of Advice  

Valuable Connections – The Future of Advice  

When we focus on ourselves, our world contracts as our problems and preoccupations loom large. But when we focus on others, our world expands. Our own problems drift to the periphery of the mind and so seem smaller, and we increase our capacity for connection. Daniel...

Financial Advice: A loss leader for lost leaders?

Financial Advice: A loss leader for lost leaders?

“Life moves on, and so should we.” Have you read Who Moved My Cheese by Spencer Johnson? It’s one of those annoyingly good books that easy to read, makes lots of good sense, yet hard to implement. It reminded me of the state of financial advice in Australia....

Can Financial Planning Firms Survive?

Can Financial Planning Firms Survive?

When do you know you are going out of business – just before you do. Why? Framing Bias. Amos Tversky and Daniel Kahneman explained this years ago. Basically, when options are framed positively, most of us have a natural bias to favour that option. Whereas when options...

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