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The NEWDAILY: 29th October 2014

friends-on-a-boat.jpg As life progresses, so does your income, but not everyone’s income grows at the same rate. Friends that shared the same broke instant ramen or cheap pizza at uni may have moved on in tastes.

“Of course we all want to feel part of something,” financial advisor Peter Horsfield says. “However, overstretching yourself to keep up with the Joneses is both an emotionally and financially risky strategy.”

Read the full article here:

http://thenewdaily.com.au/money/2014/10/29/friends-budget/

NRMA:Living Well 13th October 2014

Food For Financial Thought

Whats the most valuable advice this two-million copy best seller offers? That creating wealth is a habit, says Sydney financial adviser Peter Horsfield who puts it on his must read list.

Making Money Made Simple - Noel Whittaker

Published in 1987, Brisbane financial commentator Whittakers first book is a beginners guide to managing personal finances, which includes easy-to-understand information on investing in cash, property and shares.

Read the full article here:

https://www.mynrma.com.au/living-well-navigator/independent-living/food-for-financial-thought.htm

 

 

 AFR Australian Financial Review 16th October 2014

 AFR Australian Financial Review October 2014

Peter Horsfield, founder of financial advice business Smart Advice agrees that as the US economy recovers and global investors move their money to less volatile economies, the global ­reallocation of investments and ­currencies is creating both headwinds and gains for Australian share ­market investors.

He suggests winners from the recent downward movement of the currency will be travel and tourism business, as well as Australian companies looking to merge with firms domiciled in other jurisdictions.

However, Horsfield says sectors set to face higher operational costs as a result of the lower dollar will include domestic banks, local property firms and consumer retailers selling imported goods such as electronic devices and vehicles.

As to where the dollar is heading, he says, “anyone who says they can predict future currency directions is best avoided when making investment decisions or listened to only for entertainment purposes.”

Read the full article here:

http://www.afr.com/p/special_reports/online_trading/how_to_cash_in_on_the_falling_wh7AN4WApWDxyEBH6wGuCO

RealEstate.com.au October 2014

realestateoct

There are widespread expectations interest rates will stay where they are when the Reserve Bank of Australia meets tomorrow.

But some experts also believe Australians are edging closer to a rate rise.

Financial planner Peter Horsfield believes the RBA will keep rates on hold this month but will be forced to act on what is seen as a growing bubble in the property sector created by high real estate prices.

 

Read teh full article here:

http://www.realestate.com.au/blog/interest-rates-rba-october-2014/

SMH Domain 24th September 2014

images

Financial planner Peter Horsfield bought Timeshare from a developer’s presentation back in 2001. “We thought it’s going to be a long-term lifestyle decision that would force us to take holidays because we have to use it.”

The couple have used it, but he’s also aware that the rise of online discount accommodation sites like Lastminute and Trivago is eroding Timeshare’s claim of cushioning purchasers against rising travel costs.

“They do give Timeshare a run for its money.”

Read the full article here

http://smh.domain.com.au/real-estate-news/bad-old-days-consigned-to-history-as-timeshare-concept-booms-20140805-10055l.html

MyNRMA 11th August 2014

mynrma-11thaugDo you pay an annual visit to the GP to check everything is in sound working order? While a regular medical check-up is par for the course for many of us, how many take the time to ensure their financial affairs are in equally good health?

If you don't, you should, says Sydney financial adviser Peter Horsfield, who gives his clients an annual 146-point check-up to ensure nothing slips through the cracks.

If you've been cruising along, leaving matters to chance, then perhaps it's time to get out the figurative stethoscope and run a few quick tests.

Here are some suggestions to get you started

Read the full article here:

http://www.mynrma.com.au/undertaking-a-financial-check-up.htm

Rate Choice, August 12th 2014

ratechoiceaugIt takes hard work to earn money, but your funds can be easily depleted before you know it. This is true for most ordinary workers living from one paycheck to another, who have to struggle with financial obligations as well as spend for the fulfillment of their leisurely activities. It can be quite frustrating once you realise that you are already stuck on a cycle of having to squeeze up your hard-earned money from day to day.

However, it is not too late to change your financial status and habits. Aside from storing your money through a savings account, Susannah Guthrie of The New Daily recently revealed other ways for you to save money fast using simple and innovative means.

Citing the tips provided by Peter Horsfield, a financial advisor and the founder of Smart Advice, the source recommended the following approaches to save money

Read the full article here:

http://www.ratechoice.net/blog/how-to-save-money-to-avoid-a-quick-financial-ruin/

Sydney Morning Herald September 24th 2014

domainseptFinancial planner Peter Horsfield bought Timeshare from a developer’s presentation back in 2001. “We thought it’s going to be a long-term lifestyle decision that would force us to take holidays because we have to use it.”

The couple have used it, but he’s also aware that the rise of online discount accommodation sites like Lastminute and Trivago is eroding Timeshare’s claim of cushioning purchasers against rising travel costs.... read the full article here:

http://smh.domain.com.au/real-estate-news/bad-old-days-consigned-to-history-as-timeshare-concept-booms-20140805-10055l.html

How to meet your most ambitious money goals. New Daily, March 19th

money-goals

You CAN meet your financial goals – no matter how remote they seem. Three inspiring Australians share their stories about aiming high and putting their plans into action.

Sometimes meeting a financial goal can seem like a never-ending struggle. Whether it’s paying off your mortgage, starting your own business or saving for a holiday, it often takes massive lifestyle changes and outside advice to get there.

Here, we talk to three people who are living proof that pure commitment can go a long way.

"I became a Millionaire at 35"
Peter Horsfield

Read the full article here: http://thenewdaily.com.au/money/2014/03/19/met-money-goal/

Wise Moves in Downsizing, Sydney Morning Herald, April 6th, 2014

downsizingRetirement is upon you, the boomerang kids look as though they've finally left for good and you're sick of cutting grass no one plays on and cleaning spare bathrooms no one uses.

Chances are you're aged between 55 and 70 and ready to enter the downsizing phase; where selling up and shifting to somewhere smaller, more convenient and easier to maintain holds serious appeal.

But what are the best ways to move smartly and maximise your financial position?

The keys are judicious planning and an objective approach, says Howard Briggs, 72, who went through the process in 2002, a year after his retirement from the Queensland public service.

Read more: http://www.smh.com.au/money/wise-moves-in-downsizing-20140405-365tu.html#ixzz34JVu7LcF

Sydney Morning Herald, May 7th 2014

Read the article here: http://www.smh.com.au/money/planning/nothing-to-lose-sleep-over--yet-20140506-37syq.html

nothing-to-worry-aboutWith the pension age increasing and a potential flattening out of the property market, Generation Z - those born from the mid 1990s - might have a tougher time than previous generations building a nest egg.

With the first crop of this age group now entering the workforce and making compulsory super contributions, this generation, the first purebred digital natives, is going to have to start thinking about investment strategies.

But unlike previous generations, research shows saving for a home isn't a high priority. According to a survey released by ME Bank in February this year, only 24.7 per cent of young singles intend to buy a home they will live in as owner-occupiers.

Read more: http://www.smh.com.au/money/planning/nothing-to-lose-sleep-over--yet-20140506-37syq.html#ixzz34JTghUvc

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