No business can run without people. While some people may be replaceable, every business is dependent on a few key people for its operations. The loss of such key people due to any reason can be a big blow and can affect the revenues. It is in such cases, that business owners usually go for…
This note looks at the recent pullback in share markets. The key points are as follows: – Shares have fallen over the last weeks or son on the back of concerns about China’s tightening, the regulation of banks in the US, and sovereign risk. – This is consistent with out expectation for rougher and more…
High sovereign debt levels are causing concerns in global financial markets. This notes looks at the key issues. The key points are as follows: – A global blowout in public debt has been a key outcome from the global financial crisis. Aging populations are also playing a role. – Debt crises in peripheral countries such…
When was the last time someone asked you purchase a life insurance policy? When was the last time you received an irritating phone call promoting life insurance? The truth is, while we all have heard of and probably even considered buying life insurance, most of us still look at life insurance as a cover lest…
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This note provides a review of the economic and investment scene in 2009 and examines the outlook for 2010. The key points are as follows: – 2009 has been a year of recovery. First in share markets and then in global economic activity. Whilst unlisted assets, such as property, have remained under pressure, they always…
What if? No one likes to think about the ‘what ifs’ – but unfortunately they do happen. Here are a few of the most common. What if you injured your back playing sport and couldn’t work for six months? What if you wre driving were home one night and another driver made sure you could…
This note looks at the relative attractiveness of Australian versus mainstream global shares, which are dominated by the US, Europe and Japan. The key points are as follows: – Despite outperforming global shares over the last decade, Australian shares continue to provide better return prospects than mainstream global shares (dominated by the US, Europe and…
This note looks at the list of worries being thrown up by commentators and investors in relation to the outlook for shares and other growth assets. The key points are as follows: – There is a long ‘worry list’ being thrown up in regards to the outlook for shares and other growth oriented assets including…
We are fast approaching the end of another financial year and whilst supplying a Tax Fine Number (TFN) is not mandatory, changes introduced with effect from 1 July 2007 mean that there are implications for employers who have not provided us with their employees’ TFNs. What are an employer’s obligations? When an employee completes a…