During Australia’s ongoing cost-of-living crisis – when everything seems to be rising at once, from petrol to groceries to insurance premiums – an easier strategy than taking out a second job is to look closely at where money is quietly…
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A long war in the Middle East might not just be an energy story – for the Australian sharemarket, it could become a cost-of-living, inflation, and interest-rate story too. The first-round winners have been obvious enough: oil, gas, and LNG…
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Markets tend to move quickly when a shock hits. Prices adjust, headlines follow, and the first round of winners is usually obvious. But every so often an event reshapes prices, and positioning. The escalation of tensions in the Middle East…
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For much of the past two years, the artificial intelligence boom has been defined by software – chatbots, LLMs, and the companies building them. Investors have crowded into names tied to AI applications, betting on productivity gains and new revenue…
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There is a quiet pattern shaping modern financial life. It is not driven by bold decisions or grand strategies, but by something far more subtle: drift. Most people are not actively choosing their financial future. They are inheriting it. Their…
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Lenders Mortgage Insurance (LMI) is a type of insurance that borrowers often need to pay when buying a home with a small deposit. It protects the lender (such as the bank), not the borrower (you), in case the borrower cannot…
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Used properly, premium credit cards function like quiet infrastructure. They reduce friction at airports, simplify travel planning, step in when things go wrong, and remove the need to organise insurance. The value is not found in time saved and stress…
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Most people don’t aim to get into credit card debt. It mostly happens by accidental. A series of random purchases, or a period of low income, and suddenly they’re getting whacked by interest on their debt! One card can become…
BynewtimesIf you’ve got credit card debt – and are struggling to pay it off – you really need to ensure that you’re signed up to a low interest credit card. These cards are not going to give you fancy rewards…
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Government debt is one of the great paradoxes of modern finance. Most households and companies accept that debt must eventually be paid down; insolvency looms if it is not. Nations, however, live by different rules. France has not recorded a…
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