Ever considered moving back in with the kids? What about moving the kids out into their own tiny home? Maybe you want to subsisise your income and try AirBNB with a granny flat in your back yard. Before you do, read our interview with one of the money experts. We discuss with Peter Horsfield Senior Advisor at SMART advice his tips and traps, to ensure you maximise the returns on your investment.
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Peter Horsfield from SMART Financial Advice says in his experience women tend to establish an SMSF after attaining a large sum in their employer super or industry super fund from an event like a redundancy or retirement.
Read our full interview with Peter about his experince, with women, their money and how they are beating men at manageing their own SMSF's.
Financial planner Peter Horsfield says coins are a popular investment choices for collectors. “The obvious risk with this investment is fraud and theft,” he warns.
For more read the full article : http://amafa.com.au/ten-fun-investments/
At Banjo, we appreciate that the right business coach can add real value to your business, acting as a mentor and helping to develop new revenue lines, drive profitability and introduce better business processes. But it’s important to work with a coach who has demonstrable ability assisting previous clients to grow their business to ensure you get the biggest benefit possible.
We interview Peter Horsfield, a financial planner with SMART Advice who has used a coach as a business consultant to help improve his enterprise.
At the Australian Property Investor our focus is to find the best way for you to achieve your property ownership and goals sooner. On this journey many couples contemplate establishing a SMSF and borrow to purchase their property.
We interview Certified Financial Planner Peter Horsfield of SMART advice for his thoughts about SMSF, property ownership within SMSF and divorce.
Diinnie Muslish of Probus South Pacific asks Financial Advisor Peter Horsfield for his tips and advice on how to cope with the Christmas Financial hangover and some ways that could even save you some money.
Sarah Megginson reporter for Your Investment Property sits down with Peter Horsfield, Certified Financial Planner and founder of SMARTadvice to discuss The 3 Golden Ruls of Buying Sight Unseen.
In this series of Basic Training: How to pay your mortgage off at speed reporter Larissa Ham talks with Peter and Roz Horsfield, their $600,000 debt and steps they took to pay it off ASAP.
The sixth in the SMH Basic Training Series Larissa Ham inteviews Peter Horsfield Certified Financial Planner and Founder of SMARTadvice on some basic tips and advice for anyone starting to manage their own financial future.
Never fear, we're here with a few tips on staying in the black.
Shammika Munugoda of Boomeringo interiews Peter Horsfield, Financial Planner at SMARTadvice on some budgeting tips and why skipping your latte isn't going to make you rich.
Canberra Times reporter Sarah Meggison discusses with SMARTadvice Financial Planner Peter Horsfield differnt ways to fund the cost of private education.
Blake Dennis Editor of Vet Practice Magazine talks with Certified Financial Planner and founder of SMARTadvice Peter Horsfield about why cashflow is just as important to business as it is our personal lives. More importantly he discusses "red flags" to watch out for, ensuring you keep on track and businesses doesn't go bad overnight.
The Sydney Morning Herald reporter Claire Dunn interviews Peter Horsfield of SMARTadvice about the three pills every business leader needs. Taken every day, this medicine can make the difference between surviving and thriving or ending up in a Centrelink queue.
Fairfax Money reporter David Wilson interviews Certified Financial Planner Peter Horsfield on how we can over come sharemarket trading anxieties.
With new buzz words like momentum trading, neuro-investing, behavioural based, contrarian and many more its easy to be confused not know what to do.
Whats the best approach to investing?
For organised types who like to have their house in order well in advance, what are some of the financial things that might warrant attention before June 30 rolls around?
Super top-up
If you're over 50, still working and not salary sacrificing the maximum $35K per annum into your super fund then consider doing so, if funds permit, before the new financial year begins. Concessional super contributions are taxed at just 15 per cent, which means you'll pay less to the ATO while increasing the size of your nest egg, according to Sydney financial adviser Peter Horsfield.
Topping up can be especially effective when applied in conjunction with a 'transition to retirement' strategy.
For more read the full article at https://www.mynrma.com.au/living-well-navigator/independent-living/are-you-ready-for-tax-time.htm
So what's the best strategy to ensure we're not caught short when these items need unexpected or urgent replacement?
Does it make sense to upgrade your wheels, white goods and home furnishings before you retire and are still earning in the hope of enjoying several trouble-free years with your new kit? Or does setting aside funds specifically for major purchases as they're needed make better sense financially?
The latter, says financial adviser and SMARTadvice founder Peter Horsfield.
He advocates having a healthy cash cushion on hand before downing tools. Think a minimum year's worth of living expenses in cash or easily accessible term deposits, plus an additional three months' of emergency funds.
Meanwhile, "don't trouble trouble until it troubles you," Horsfield counsels.
"Don't buy a whole lot of new stuff just before you retire - think more about the opportunity you have to de-clutter," he says.
For more read the full article: https://www.mynrma.com.au/living-well-navigator/independent-living/budgeting-for-big-ticket-items.htm
"Clearly there is a strong argument for having an Anzac dollar," says financial strategist Peter Horsfield. He highlights multiple benefits, ranging from the end of transaction currency costs to a more efficient tax system between the two neighbours.
Another advantage of a trans-Tasman dollar is that it would strengthen the historically entrenched unity between the two countries, bolstering economic co-operation and shared values: the young, predominantly Anglo-Saxon Commonwealth countries have an Anzac identity, cemented by the same legal, political, religious and social structures, Horsfield says.
"So, yes, there are many fundamentally sound reasons and efficiency benefits proposing an Anzac dollar," he says, but he has qualms.
To read the full article: http://www.smh.com.au/money/investing/could-common-coinage-bring-us-together-20150331-1m81g2.html
ABC National (Adelaide) 891 Afternoons with Host Sonya Feldhoff.
Listen to the podcast here:
{mp3}ANZACCurrency{/mp3}
It is not a sign of weakness if you pause occasionally, reflect and breathe.
In fact, giving the other party a chance to say their piece can prove potent in a tense or protracted negotiation as slowing the pace can help you reassess, regroup and return with an effective counter.
"Let the other person talk and allow one breath before you reply," says certified financial adviser Peter Horsfield, who describes his job as "one part financial adviser, one part marriage counsellor".
"This tactic will ensure the speaker feels heard and it will give you some time to reflect before replying."
Focus on the issue, not the individual
Professional negotiators who seal deals never launch personal attacks on their opposite number.
Business is business and as soon as your client/supplier/distributor hears name-calling or foot-stomping, you've lost your deal-making power.
"This is important as people who feel judged often close up or counter attack," Horsfield says.
"The key to negotiating is to keep conversation going and find grounds of similarity that both parties can agree to work on together."
Read the full article: http://www.smh.com.au/small-business/managing/seven-crack-negotiating-tactics-20150314-13qgwk.html
Certified Financial Planner Peter Horsfield helps many empty nesters and says as people age they “realise their vulnerabilities … and value convenience”.
They prefer ground floor apartments “with a pleasant outlook” in low-rise developments with an elevator.
A pool is a bonus but Horsfield says his health-conscious over-55s clients mostly want onsite gyms.
Cinemas, concierge services, underground parking and ground level shops, restaurants and cafes are also features vying for baby boomer buyer attention in today’s highly competitive new apartment market.
“Look, they have worked hard and are seeing people going to concerts, the opera, restaurants and so this lifestyle is sought when downsizing to an apartment,” Horsfield says. “They also want proximity to hospitals, transport and family and friends. Location is the most important factor.”
Read full article : http://www.realestate.com.au/blog/luxe-homes-later-life/