http://www.wealthyfrog.com.au/ Wealthyfrog Articles http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8744 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8744 Budgeting for Christmas The red fat man (AKA Santa) is due to arrive soon, creating the pressure to purchase presents, travel and organise food for the holiday period. However Christmas doesn’t need to be expensive. Here are a few ways to save a few dollars: As early as you can, work out a rough budget of expected Christmas costs. Don't forget 'hidden' expenses such as food bills and overseas telephone charges. ... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8741 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8741 Credit Card Tips Credit card fraud is on the increase. Here are some ways to keep your credit card safe: Don't give your card number over the phone unless you have initiated the call. Email is not a secure method of providing credit card details over the internet. If you have to leave a blank credit card imprint as a security deposit, make sure it is destroyed in front of you later. If carbon paper is used, retain... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8740 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8740 “…we have good incomes, we don’t live extravagantly, but we never seem to get ahead!” You may want to get ahead financially but are unsure where to start. If you want to realise your lifestyle and investment goals, become financially stress free and work towards an acceptable passive income when you stop working, start with the very basics. Below are the 5 key steps in this process: What do... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8739 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8739 Why We Should Start Investing Now....... When we are in our twenties and thirties most of us tend to think we have all the time in the world to start saving and investing. We often believe that we will catch up down the track. Unfortunately this is not the case for most people. Hopefully the following example will convince you that you need to act now! Consider two investors: Investor A decides to invest $10,000 per annum every year... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8737 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8737 Jokes about Money… A lawyer and a blonde are sitting next to each other on a long flight from LA to NY. The lawyer leans over to her and asks if she would like to play a fun game. The blonde just wants to take a nap, so she politely declines and rolls over to the window to catch a few winks. The lawyer persists and explains that the game is really easy and a lot of fun. He explains "I ask you a question, and if you... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8664 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8664 If you are a rational investor you are primarily concerned about your future well being. You are mostly concerned about the level of wealth you will have one day down the track. This level of wealth will be the total value of your investment portfolio. A rational investor is concerned with the end destination, so the short term gains and losses that may occur along the journey to obtaining this wealth is less relevant. Most investors... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8662 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8662 Personal wellness is increasingly being recognised as vital for people to live satisfying and fulfilling lives.   Our sense of wellness comes from an overall balance in the various parts that makes up our lives – including the physical, social, emotional, work, financial, spiritual, cultural, environmental and intellectual areas that all impact on one another. A strong sense of wellness enables us to reach our... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=7131 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=7131 Spending money is an issue we face daily as we spend money every day.  The stress of living in the current climate of economic uncertainty and rising costs is fuelling our bad money habits. You can create positive habits by considering a change in the way you manage your "personal bank".  A common belief is that if we could just earn more money we could make ends meet or if we could get a pay rise we... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=6817 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=6817 “Contingency planning for your investment property is not sexy but it is essential in these uncertain times” says Richard Starr, Wealthyfrog Wealth Coach “planning is crucial to ensure the sustainability of your investment property during tough times.” Property like any other investment is cyclic in nature and in recent times property in SEQ has experienced solid growth – it seems we are... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=6473 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=6473 Your credit file is updated every time you apply for new credit (i.e. a loan).  Importantly, the information is one of the factors that impacts on your credit-worthiness.  Banks, retailers and credit providers use the data, along with the information you provide to them, to determine whether to lend you money or not. At any time you can request a copy of your credit file to check for inaccuracies, review your loan... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=10314 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=10314 Creating and capturing surplus cash flow doesn't have to take your lifestyle away - it's about accounting for your lifestyle.  Once you have identified the right spending plan and financial structure for you, the next thing to do is create a surplus and prove consistency.  This surplus will ultimately be used to start or continue with your investing plan - watch more on this topic from Head Coach, Richard Starr... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=10280 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=10280 The Great Debate:  Property vs. Shares - Wednesday 17th March 2010 - 6.45pm more information here... Meighan Hetherington Director and Principal Property Pursuit Pty Ltd Property and client satisfaction are the driving passions for Meighan. At just 23 she bought her first property and has not looked back. In 2008 Meighan was awarded the highest honour in the industry when she was recognized as the Real Estate Institute of... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=9952 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=9952 Setting goals to achieve wealth can be a tricky thing to do. This is because wealth creation can be a rapid process if you have the right systems in place.  Conversely, managing your expectations can also be challenging as sometimes the results we are acheiving may not match our immediate expectations.  Working with a professional through both of these processes can help you manage the delicate balance of realistic goals... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=9656 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=9656 2010 is being hailed the year of “economic recovery” and there’s no better time to start your own financial revolution and get your “personal economy" in top shape!   Follow these simple tips to get your finances back on track in 2010:- Set some realistic and achievable goals - Anthony Robbins once said ‘Setting goals is the first step in turning the invisible into the... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8742 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8742 The internet is bursting with services and products that may provide cheaper alternatives to the one’s you are currently using. Some areas to consider: Telephone: you can swap your home phone over to some online phone providers. Examples Skype and Engine Presents: you can sometimes pick up a bargain at some online stores. Examples: OO and Deals Direct Ebay: Ebay is a great way to pick... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8170 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8170 Financial pressures are having a major impact on relationships in Australia, with the number of people saying it is a major stress more than doubling in two years, a study has shown. With the world currently gripped by economic instability, Relationships Australia's annual Relationships Indicators Survey has found financial concerns are taking a heavy toll. The survey of 1,200 adults has found that 40 per cent list money troubles as a major... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=7405 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=7405 "Most investors, both institutional and individual, will find that the best way to own common stocks ("shares") is through an index fund that charges minimal fees. Those following this path are sure to beat the net results (after fees and expenses) of the great majority of investment professionals." - Warren Buffett, Berkshire Hathaway letter to shareholders 1996 So what is an index fund?  It...