Author Archives: Focused Advice

What is your carbon footprint?

Ignoring all of the politicising of climate change and carbon emissions, have you ever actually wondered what a carbon footprint is? A simple explanation Human activity is increasing atmospheric levels of known greenhouse gases such as carbon dioxide and methane. These form a blanket around the earth trapping heat, a process known as the ‘greenhouse […]

You might be surprised at what really drives interest rates

The Reserve Bank of Australia (RBA) and the major trading banks may play the most visible role in setting interest rates, but in many cases they are being reactive rather than proactive. A wide range of external factors feed into their decision-making process, including in no small part, our collective behaviour as investors and savers, […]

The cautious traveller

On 19 March 2020, Australia’s international borders were closed. Our island home was suddenly Fortress Australia. How we’d taken the freedom to come and go as we pleased for granted! After nearly two years, the restrictions have lifted and we are emerging, blinking and hopeful. While some of us may have lingering concerns, many others just […]