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Wealth Management
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AI, Copyright, and you
Here in Australia, the creeping Tech Industry spectre is trying to subvert copyright law so they can freely use copyrighted material to train AI models.
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Thoughtless shopping and life
Recently I’ve been thinking that shopping can be a metaphor for life. Not so much the shopping itself, but why we are so thoughtless about the shopping. And living.
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More Morning Routine
I’m not sure whether it’s because this is already an unusual year, but I’ve been thinking more about my morning routine. Perhaps because there’s been so little else to pin the days on, and the lazy, langourous, sleepy sense of nothing much happening lasts for about 87 hours per day.
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There’s been a Data Breach!
“There’s been a Data Breach!” (please imagine the grizzled voice of Taggart’s Detective Chief Inspector Burke).
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Inflation and You
I’ve been watching the inflation rate with interest. The local commercial tv stations running around like headless chickens talking about how disastrous inflation is
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Revisiting Just-in-Time Delivery
The concept of just-in-time delivery is essentially having ZERO stock on hand, ordering it when when you need it. In 2015, when I was long-term unemployed, I wrote a post about developing the virtue of Wealth. Essentially, it involved: But, times are changing… In the good old pre-Covid days, it was possible to buy as…
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Dating Spending Plan
I heard the divorce rate has skyrocketed, so it’s the perfect time to set up a dating spending plan
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How to mind the beeswax of business
I’ve been thinking about minding the beeswax of business. It started when I was happily watching a period drama.
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House Deposit Spending Plan
It’s โThe Great Australian Dreamโ to own a house on a quarter acre block. And for this, youโd save a house deposit, and take out a mortgage for the rest.
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How to celebrate your 100th birthday
A few days ago, Mary Beard asked; “How do you celebrate your 100th birthday?” Like her, I don’t have a fond hope for reaching 100 years.
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How to Win in the Sales Season
Itโs sales season again โ that time of year when it seems everyone is trying to get their hands in your wallet. Preferably to empty it, leaving you (and their competitors) with nothing.
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How to do an annual review
Here in Australia, there’s only three weeks to lodge our tax returns, so it seems good idea to talk about the annual review.
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Debt Reduction Spending Plan
Increasing adding to increasing credit card debt mean itโs time to think seriously about debt reduction.
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Start a New Business Spending Plan
It’s tax time here in Australia. Often people seeing their numbers in black and white on their returns start wondering about starting a new business.
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Your Role as Purchasing Agent
Have you ever thought about your role as a Purchasing Agent? Or are you like most people who just buy stuff?
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How to Create a Savings Plan
While I’ve talked about Spending Plans, and how to rearrange them to accommodateย your goals, I’ve not mentioned how to create a Savings Plan.
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How to Recognise and Take Advantage of Opportunities
You’re only a few steps from losing or winning it all. You just need the ability to recognise and take advantage of opportunities that come your way.
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How to Make Good Purchasing Decisions
Here in Australia, the Banking Royal Commission is well underway. And you may wonder what this has to do with good purchasing decisions, but at some point, we all chose to buy their services, and some of us chose to invest in them, and all of our superannuation funds invest and bank with them.
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Get Moving! Spending Plan
Around now, when life settles back into its usual rut, many of us cry out “I wish I could just get moving again.”
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Quit smoking spending plan
Sooner or later, some smokers will decideย it’s time to quit smoking. It’s not a snap decision; it’s something most of us think about for many years, and take several attempts to do.
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Read More Books Spending Plan
I am quite often told, “I wish I had the time to read more books.” And I understand that because I wish it too!
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Christmas Spending Plan
With Christmas 2017 over, you may be wondering why you spent so much. The easiest way to get 2018 under control is with a Christmas Spending Plan
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Stay in Touch Holistic Spending Plan
Every year almost everyone forms an intention to spend more time with their friends, so this month I’m looking at aย Stay in Touch Holistic Spending Plan.
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Make New Friends Spending Plan
Something that’s been on my list for a while is meeting new people, and I know others do too. So letโs look at a Make New Friends Spending Plan.
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Pet Ownership Spending Plan
My poor Pretty Boy’s been ill for the last few weeks. Fortunately, he’s recovered, so let’s look at a Holistic Pet Ownership Spending Plan.
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Weight Loss Spending Plan
So many of us decide to lose weight as if it’s something without cost – but we’re all wrong! Today, we’ll examine a Weight Loss Holistic Spending Plan.
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Overseas Vacation Spending Plan
With Holistic Personal Finance about ready for release, it’s time to start sharing it with you. Starting with a Holistic Overseas Vacation Spending Plan.
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How to Eat Well and Save Money on Food
As I mentioned for my 2016 Transplantiversary, I’m hoping to make some significant lifestyle changes to get down to the hospital recommended weight. I’ve ordered new cookbooks to help! During my cookbook shopping, I found a review of Jamie Oliver’s Everyday Super Food, which dismissed it (1 star) because if you made the dishes as described…
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Wealth Management for a Happy Retirement
The tender โwinnersโ are an older couple in their sixties who canโt afford to retire, so they have started an office cleaning business. Instead of the happy retirement life of sun-seeking travel, relaxation, and comfort they had fondly imagined.
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Deliberations on Luxury
With the research for my new book Holistic Personal Finance progressing nicely, Iโve been thinking about luxury. Partly inspired by the old guy who just paid $55 for a packet of cigarettes (I believe they were about $15 when I quit), but more particularly luxury in food.
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The Happy Benefits of Old Fashioned Budgeting
Iโm researching a book on Holistic Personal Finance, and finding the difference between modern and old fashioned budgeting amusing, confusing and a disquieting indicator of the change in our values.
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A Short History of Attitudes Towards Household Expenditure
I am intrigued in particular about how the attitudes towards household expenditure I’ve been reading about have changed.
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How to Protect Yourself from buying counterfeit goods
Recently I had the misfortune to purchase counterfeit goods online. Owning counterfeit goods in Australia is illegal, let alone selling them. I found it very shocking โ I thought I had been really careful, but once you click the buy button itโs too late!
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Why Wardrobe Plans are Valuable
The key wardrobe plan problem is building this year’s wardrobe around last year’s clothes (not lack of funds). I think this may be…

