Here we take a look at what an average person with an average risk profile should do if they had managed to save $10k and didn’t know how to best make use of it. Please understand this is not financial advice, it does not take into account your personal circumstances and it’s only here to […]
Author: Daniel Moradian
Home equity
What is equity? How much equity should I have in my home or investment property? How does equity fluctuate? What does ‘negative equity’ mean and could it affect me? Strap in for answers to all the questions you never asked. What is equity? Say you own a 100sqm rusty tin shed with no ceiling in […]
Passive vs active investment
Imagine if you will the only available investment opportunity is to invest in shares of sandal manufacturers. You are presented with two options. Option 1 is to take a long-term buy and hold position in a fund which holds interests in the top 100 sandal manufacturers in the world. Option 2 is to constantly buy […]
What makes things go up and down
Even in a pre-covid-19 world, my brother would always ask me why the market (and more relevantly) individual stocks would often defecate themselves. He did not say ‘defecate’. ‘Defecate’ is very much a euphemism here. Everyone’s talking about large dips or rallies in the market these days but if you distance yourself from the market […]
Negative and positive gearing
Negative and positive gearing are very popular topics, especially when we talk about residential investment. Generally speaking, if your investment is negatively geared, then from a finance perspective you’ve likely made a poor investment decision. It’s only from a tax perspective that you may actually derive some benefits. However it’s very important to understand that […]
Microinvesting
The average pair of birkenstocks retails at around $120 (I think). Let me forward a value proposition. You could go all out on a pair of sandals so aesthetically offensive they inspired a not-so-humble smashed avo enthusiast to start a blog. You could roam around the inner-western suburbs of Sydney wielding a $7 crappuccino and […]
Private health insurance
If you were ever looking for a euphemism for the word ‘useless’, look no further. I recently purchased private health insurance and I’ve never felt more robbed in my life. What a spectacular waste of money. Assumptions I’ve made three assumptions in dismissing private health cover’s value to society. First, you live in Australia or […]
Economics 102
So this is the way the rise of the birks-strutting, semi-insta-famous, latte-sipping, avocado-obsessed millennial ends, not with a boomer, but with bat consumption and authoritarian whistleblower-silencing. Considering we’re teetering on the footsteps of a global recession, it seems fitting to write another all-things-economics article. Recession In Economics 101 we talked about GDP and when you […]
The coronavirus and global markets
Unless you’ve been living under a rock lately, you’ll know that the world has been gripped by a global disease outbreak dubbed COVID-19. A couple weeks ago, global markets started to react to the outbreak. Why are markets tanking?* For the most part – unfathomable stupidity. I genuinely believe that fear of the virus will […]
Why saving is getting you nowhere
Let’s say you made a declaration to cut down on your routine smashed avo shenanigans because some rich prick told you that delicious green mush is the real reason you can’t afford to own real estate (#okboomer) and you’ve instead opted to set aside more of your fortnightly wages into a savings account to buy […]
