What’s the next smallest step?

By Carl Richards. Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010.  The following article is reproduced with permission from his weekly newsletter and his website can be found here. Greetings, Carl here. Let me tell you a little story. It’s the story of…

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Are you relying on a personal credit card for business expenses?

We’ve all been guilty of the odd credit card mix-up from time to time – it happens! But if you’re consistently relying on a personal credit card to pay your business expenses – like 4-in-10 SME owners – then it’s probably time to explore other funding options.

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Seismic shift: two major banks hike fixed interest rates

Are the days of ultra-low fixed interest rates over? It’s looking increasingly so, with two major banks increasing their fixed rates this week. So if you’ve been thinking about fixing your mortgage lately, it could be time to consider doing so.

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Days or Decades: What’s it going to be?

By Carl Richards. Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010.  The following article is reproduced with permission from his weekly newsletter and his website can be found here. Greetings, Carl here. What I’m about to tell you is going to sound crazy……

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Don’t beat yourself up over spending… try this instead.

By Carl Richards. Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010.  The following article is reproduced with permission from his weekly newsletter and his website can be found here. Greetings, Carl here. I’ve spent countless hours of my life talking with people all…

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How fear and greed kill returns

How fear and greed kill returns by Carl Richards. Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010.  The following article is reproduced with permission from his weekly newsletter and his website can be found here. Greetings, Carl here. Most of us make the…

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Is a home loan lending crackdown on the horizon?

The federal treasurer has given the strongest indication yet that a home loan crackdown is coming, stating that “carefully targeted and timely adjustments” may be necessary to avoid troubled waters. So what could a potential lending crackdown look like?

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