Harvard Wealth

Successful Investing Newsletter – Issue 3, 2010

harvard — Mon, 23 Aug 2010 01:27:30 +0000

Economic Update
Top Up Your Super Tank!
Why Urbanisation Matters for Investors
What If I Was Too Sick To Work?
Time Is On Your Side
Trivia

PIS Successful Investing Newsletter 3, 2010

Why urbanisation matters for investors

harvard — Tue, 22 Jun 2010 05:30:19 +0000

Neil Massie, Investment Commentator at Fidelity International, looks at the effect developing the under-developed world may have on investors.

Urbanisation matters June 2010

Successful Investing Newsletter: Special Edition – Sex and the City

harvard — Fri, 11 Jun 2010 05:20:37 +0000

When it comes to your finances, are you a Carrie, Samantha, Charlotte or Miranda? Are you known for your impulse purchases and your vast collection of shoes and bags, or knowing the importance of your superannuation account’s asset allocation?

Sex and the City – Successful Investing Newsletter

Timely Tips Newsletter – May 2010

harvard — Fri, 28 May 2010 02:53:00 +0000

Managing Debt
The 30 minute feel-good guide
Did you know?

PIS Timely Tips Newsletter – May 2010

Successful Investing Newsletter – Issue 2, 2010

harvard — Tue, 18 May 2010 06:47:33 +0000

Economic Update
Margin Lending in a time of volatility
There are plenty of good reasons to quit smoking
Selecting a super fund
Understanding how your super fund is taxed
Did you know?

PIS Successful Investing Newsletter 2, 2010

Newsletter – April 2010

harvard — Mon, 10 May 2010 05:04:02 +0000

April 2010 Newsletter

It can’t happen to me… Can it?

harvard — Fri, 19 Mar 2010 01:52:37 +0000

Jenny’s Story

Jenny (29) was enjoying a week-long holiday from her role as an investment analyst. She and three of her friends decided to visit the snow during the peak season. While an accomplished skier, Jenny hadn’t considered the crowds of beginners on the slopes, in particular one new snow boarder who crashed into her and sent her flying down a black run!

The combination of two broken ribs, a fractured pelvis and a punctured lung, extended Jenny’s absence from work from a week’s holiday to four months sick leave. Because the accident didn’t happen at work, Worker’s Compensation didn’t cover her.

Luckily, Jenny had taken out a CommInsure Income Care policy 12 months earlier. She received the equivalent of 75% of her income for the 15 weeks that she couldn’t work. This allowed her to keep up with her rent and car payments without having to dip into her savings or borrow money from her parents.

With CommInsure’s Rehabilitation Benefit, Jenny was paid an additional 50% of her monthly benefit to help her participate in an approved rehabilitation program.

Source: “Insurance for your future” booklet from CommInsure

Talk to us now about how to protect yourself and your loved ones from financial stress in the event of injury, illness or death!

Successful Investing Newsletter – Issue 1, 2010

harvard — Fri, 19 Mar 2010 00:34:42 +0000

Top Tips for 2010 – Investment strategies for a new decade!

PIS Successful Investing Newsletter 1, 2010

The Next Generation – Pocket Money Prudence

harvard — Thu, 04 Mar 2010 04:47:46 +0000

It’s never too early for your children/grandchildren to learn about the value of money (and that it doesn’t grow on trees or materialise out of a hole in the wall). The pressure on parents to provide iPods, mobile phones and the latest computer gaming technology is increasing, so taking the opportunity to talk to our kids about planning budgets and managing their finances has never been as vital as what it is today.

FIDO has provided the following tips to help kids learn about managing money:

Encourage kids to think about what they WANT and what they NEED and encourage them to identify their savings goals
Remind them to set aside a certain amount of their pocket money each week to work towards their goal
Help them to control impulse buying by reminding them about their list of goals
Encourage them to put loose change into a savings jar or money box (see www.kidsmoney.com.au for wonderful educational money box ideas)

For more ideas on talking to your kids about the value of money, visit www.fido.asic.gov.au and search “kids” in the search box.

Source: Australian Securities and Investments Commission – FIDO www.fido.asic.gov.au

Become Money Savvy – The Super Saver

harvard — Tue, 02 Mar 2010 04:51:14 +0000

Take baby steps. Find one saving tactic and focus on making it a habit, then focus on the next one.
Automate your savings. Set up a savings account and direct credit to it each payday.
Track your spending for one month. Money can just vanish before we know it, so tracking it makes us more conscious of where it goes.
Spend less than you earn. It’s a no brainer but if you spend less than you earn, you’ll have more money to save.
Create a realistic spending plan. Be exact with your figures. You need to know how much comes in and how much goes out.
Follow the $100/24 hour rule. If it costs more than $100, wait 24 hours to buy it. Do you still really want the item?
When it comes to big ticket items, follow the 30 day rule. If you wait 30 days before buying the item, you’ll either change your mind, or find a better deal.
Track your progress – it’s exciting watching your savings grow.
Talk about money with your partner. Support each other and share ideas and advice on financial choices.

Source: Professional Investment Services Successful Investing Newsletter – Issue 1, 2010