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Mental Health Month 2022

October marks mental health month in Australia, an initiative birthed by the Mental Health Foundation Australia with this year's theme being: Building Resilience: Communities and Connections. The initiative has the express aim of shining a spotlight on addressing our own mental health struggles and promoting a better mindset.

Direct Air Capture: A Climate Change Solution?

Direct air capture could be the climate change solution we’ve been looking for. What exactly is it you ask? DAC is designed to remove thousands of tonnes of greenhouse gases per year by sucking up the carbon dioxide and pumping it into the ground.

Financial Lessons You Should Be Teaching Your Children

If you think being a father has made Joshua more afraid to take risks, you would be wrong. In fact, it’s quite the opposite as since becoming a father, he has become a more committed investor, putting even larger amounts of money into investments.

The Benefits of Investing in Alternative Assets During Volatile Times

With inflation rising, finding high yield secure positive cash flow investments is not just wise but crucial in weathering the storm. The thing to understand about this current economic climate is that investments such as stocks, cryptocurrency and property are all dependent on factors such as inflation, cash rates and global markets. What usually happens then is that investors tighten up in fear of words such as recession and depression. The news along with market crashes would have them believe that all investing is a no go right now, but the truth of the matter is that’s not exactly the case.

Quiet Quitting Trend: Sign of a Larger Issue

It seems that every few months, social media births a new trend or at the very least, exacerbates it. At the end of last year and flowing into this one we had the Great Resignation, followed by the Great Job Boom and now we have the latest flavour of the ‘month’, Quiet Quitting. At its core, however, this signals a much larger issue than employees simply feeling overworked.

The Construction Cost Conundrum

Global building materials shortages have led to rising construction costs. Construction companies are making the news on a week to week basis now, being forced to go into liquidation or on the brink of collapsing, unable to finish work on current projects. There is however, light at the end of the tunnel...

Web3: The New World Wide Web

Web3, a term that has been floating around since roughly 2014, used to describe a new iteration of the internet that wouldn’t be controlled by large corporations. This new ecosystem will, in essence, work like a cryptocurrency where the entire system is decentralised and based on blockchain technology.

Be the Solution to Plastic Pollution - Plastic Free July

It’s Plastic Free July, which means it's time to roll up your sleeves and be part of the solution to plastic pollution. The main focus of PFJ is to avoid using single-use plastics. This can result in participants forming new habits and actively cutting down on their plastic waste forever. Since its inception, Plastic Free July has reached almost 180 countries with over 150 million individuals taking part.

Tax Time: What Investors and Employees Should Know for the Best Returns

As one season ends, another one begins. Tax time is just around the corner, which means if you’re an Australian resident for tax purposes, it’s time to start looking at the best things you can do to maximise your refund. If you’re someone who doesn’t look forward to this time of year, whether it's as an investor, employee or contractor, let’s see if these tips can help you and perhaps change your mind.

Men's Health Week: Real Talk with CEO Joshua Smith

It’s Men's Health week and to shine a light on the importance of men's physical and mental wellbeing, we sat down with Foxi Capital CEO Joshua Smith. To scope out how the CEO of a successful investment company balances his work commitments with being a father, we asked Joshua a series of questions regarding mental health as well as combative techniques for stress.

Predicting The ‘Superbubble’ & Reading The Markets

If you’re familiar with Jeremy Grantham, you’ll know he has a reputation for predicting economic movement, particularly superbubbles. Jeremy believes that the United States is currently in a ‘superbubble’ and that bubble is about to burst, leading to a historic market crash. Right now we are seeing a bull market (shares going up up and away) but in the NASDAQ over 40% of all shares are down 50% from their high. This is an incredibly rare occurrence and was seen during previous market crashes in 1929, 1972, 2000 and right now in 2022.

Plastic: From Treasure To Trash, The Rise Of Plastic Pollution

When plastic was first invented, it quickly dominated the 20th century providing a cheap, sterile and convenient way to create products and packaging. Production only accelerated after WWII, leading to plastic being everywhere. Unfortunately, over time plastic has saturated our environment including our oceans. It began harming wildlife of the land, sea and air, leading to the deaths of countless creatures. It’s also finding its way into our bodies through the animals we eat.

Sustainable Investing

It’s time to talk about sustainability and how we can consciously invest in our planet. But first, let’s look at what Sustainable Investing means. The term has a variety of names, from socially responsible investing to impact Investing but regardless of what you call it, the idea is to invest in projects that are environmentally conscious or going to have a positive impact on our planet. The demand for sustainable investment projects has increased largely due to people preferring to invest in a project that aligns with their own values.

Rising Fuel Prices and the Knock On Effect

We’ve all felt the sting at the fuel pump lately as petrol prices have continued to rise over the last few months. For now, there doesn’t seem to be an end in sight as prices everywhere reach over 2 dollars a litre, hitting historical highs. Of course, the most evident aspect of all this is that rising fuel prices are symptomatic of a much larger economic issue, which is a cost of living crisis.

This Month's Great Crypto Crash

I am sure that any of you who invest in crypto are well aware of the most up to date crypto news as you refresh your browser every 15 seconds to monitor your crypto stash. For those of you who are not as finely tuned to the crypto market is in freefall with a lot of first time investors realising they do not have a parachute, and that they also do not like the experience of jumping out of a plane at 10,000 feet.

The Great Resignation Versus the Great Job Boom

The Great Resignation and the Great Job Boom. I’m sure you've heard these terms being used by various news outlets. The great resignation was a huge story for 2021 referring to the mass exodus of jobs occurring all over the world. So it stands to reason that a great job boom would mean the resignation is over right? Well no, in fact the great job boom refers to the amount of jobs employers are advertising, not the amount of people being hired. This means that the great resignation is still very much a thing and the great job boom is simply the fallout from it.

Interest Rate Rise on the Horizon

The looming interest rate rise might be coming sooner than many had hoped, which spells bad news for those paying off their mortgage. Interest rates haven’t risen in almost 12 years, meaning that many homeowners are about to experience their very first price hike. So, why the incoming rise then? Well, you can mainly thank rising inflation for that but also the slow uptick in wages. The cost of living has been steadily on the rise recently and inflation hit 3.5 per cent at the end of 2021.

Earth Day 2022: Investing in Our Planet and Our Future

Earth Day is once again upon us, and this year's theme is ‘Invest in Our Planet’. 2022 marks the 52nd anniversary of the event which has occurred every April since 1970, and led to the creation of organisations such as the Environmental Protection Agency. The goal of Earth Day is to raise awareness and push for everyone to act boldly, actively taking on the climate crisis. There are countless ways businesses, governments, institutions and individuals can get involved.

Invest Your Time This Easter

The Easter break is the perfect opportunity to slow down, relax and recharge or spend quality time with our loved ones. If you really think about the most important things in our lives, time is the main thing we’re all working towards to watch those realities come to fruition. This is why it’s important to not only budget our money, but budget our time to ensure we’re getting the most out of our days. So, as we lead up to the Easter weekend, consider Investing more time in your work now, being more productive and ensuring no stone is unturned.

Microplastics: A Cause For Concern

Microplastics are a major threat to our environment, but more alarmingly, a threat to our own health. What are microplastics? Well they include any type of tiny plastic particle that is no larger than 5 millimetres. At the end of 2021 studies were undertaken which found the level of microplastics humans have been ingesting are causing damage to our cells, leading to allergic reactions and even cell death. However, the most recent cause concern comes from Europe, where researchers have found traces of microplastics in human blood.

Escalating Energy Costs Worldwide

High petrol prices aside, electricity and gas prices are on the rise around the world, going as far as reaching all time highs in 2021. International coal costs are roughly five times higher than a year ago, with power plants in China and India reportedly having low stocks. The current crisis wasn’t caused by a single event but due to a combination of supply and demand, which has tightened over the last few years. The pandemic didn’t help when lockdowns forced work to be halted, creating a backlog and ultimately delaying progress. And in terms of energy bills, the wholesale costs aren’t the only factor. There are costs associated with network charges (which are also affected by maintenance as well as upgrading needs) and retail margins which were also affected during the pandemic.

Quality VS Quantity: The Rise of Performance-based Work

There was once a time when a good day's work was determined by the number of hours staff clocked in, regardless of the quality or the amount of work that was being outputted. We're in the era of quality over quantity, the days of clocking in hours are behind us and the future is now. The pandemic simply fast-tracked a trend that has ultimately boosted efficiency, saved staff from boredom in lockdown periods and shown the world that work does not need to be done from an office.

Beat the Next Wave: What we Learnt from Omicron

There were many warning signs regarding new strains of COVID-19 before Omicron hit Australia. Yet the end of last year and the start of 2022 showed us just how unprepared and unequipped the country was for a more contagious variant. Now with those lessons in the rearview and a new subvariant rearing its head, into a community that has more or less returned to normal; it’s more important than ever to use those lessons and beat the next wave.

International Women's Day 2022: Get Involved and Break the Bias

International Women's Day is a day focused on breaking down gender stereotypes and promoting equality. This year's theme is #BreakTheBias, promoting a world that is diverse and inclusive, where we celebrate and value differences. So let’s take a look at the different ways anyone can get involved and raise awareness for IWD 2022.

Women Should Invest for Their Retirements

It’s time to break the bias and knockdown stereotypes when it comes to investing. International Women's Day is around the corner, so what better time than now to highlight the ways women are investing.

Rising Inflation: The End of Australia’s Housing Boom?

Is Australia's housing boom coming to an end? Recent news stories seem to suggest that is the case. However, there's more than meet's the eye here. Whilst looming inflation might be threatening the housing boom in some states, others will only continue to thrive.

2022: Technology and Trends to Keep an Eye On

The new year is now very much in full swing and after an unpredictable 2021, I’m sure many were breathing a sigh of relief to its conclusion. 2022, has a lot in store for us with new trends, new tech, new gadgets and new opportunities very much on the horizon.

Portfolio Diversification: The Squid Game Approach

There are a lot of lessons to be taken from the series and no, not just that the 456 players will do anything to survive. Believe it or not, Squid Game gives us valuable teachings when it comes to diversifying your financial portfolio.

Metaverse and Gaming Tokens - The Latest Cryptocurrency Trend

The metaverse is without a doubt where developers and companies believe the future is, and not just in the sense of investments but in how we interact with each other. Metaverses are aiming to create a place where users can experience life in the digital world through work, shopping, exercising and socialising. This

What is True Financial Freedom?

Financial freedom is not what you think it is, simply because you never spend enough time to actually ponder what life would be like if you did not have to worry about money anymore. Don’t lie to yourself, you know it's true.

Property BOOM Started Today

During the GFC, we saw property prices drop by up to 30% in some areas. As I have mentioned in previous posts, this was due to emotion in the market. There were no cataclysmic events, no meteorites plummeting to Earth. In fact, here in Australia, most of us did not even realise we were in the midst of a GFC until we received some cash from my friend, good old Kevin Rudd.

How to Improve Your Credit Score and Change Your Life

Improving your credit score or rating is not limited to people with bad credit or bad habits. Doing a regular tune-up or maintenance of your file can help even the most fastidious of bill payers achieve greater discounts on their cost of funds, such as lower interest rates on home loans, car loans and credit cards, and can increase your ability to access leasing and overdrafts facilities for growing your business.

Negative Gearing – The Long Con: How to Purchase Profitably

Negative and positive gearing is the difference between making money and a good investment and being able to recover losses from a bad one. This article shines a light on why there are so many properties for sale that people cannot afford!

The Bottom Is Falling Out of the Property Market 

Yes, the bottom is about to fall out of the property market in a spectacular way. Is this speculation on my part? Well, yes, it is. No one has a crystal ball; however, we do have data and, since the invention of money, every time there has been a recession the property market has taken a dip.‍

Black Lives, Blue Lives, All Lives Matter: The Easy Fix and Some Puppies

You all know me, I like to treat the issue and not the symptoms. I know I sound like a hippy, but can’t we just all get along? 🙂 ...

Are the Stock Markets Up or Is It a False Positive? Did an Avocado End the Global Economy? And how Is It All Connected.

My warning is this, only fools rush in. The stock market has rallied up on a false positive, being pushed by people buying on the way up. The clever people are the ones selling now who bought low and will buy again in a month or so when we crash again and they will buy the same stocks from the people they sold them to. Be patient and wait for REAL growth, this will come when there are REAL solutions.My tip is this: if you are going to eat avocados, have some self-respect and do it in the privacy of your own home with some pepper and salt and a small spoon 😉

Interview with an Entrepreneurial Mentor

I was recently asked to do a talk for Wholesale Investor at their Venture Investment Summit so I thought I would include excerpts from my transcript here and elaborate a little more on some points.

Can Australia Afford the Stimulus Packages?

So, can Australia afford the $214 billion in stimulus money is being spent on the economy? Oh my, yes, not only can we afford it, but we can go quite a lot higher if needed. As always, we are seeing a lot of sensationalism and fear mongering in the media: "debt forever," "how will Australia survive?" This is just not the case.

Proof the World Can Be Green and Stop Global Warming – From a Capitalist

I think COVID-19 and good old Mother Earth has shown us that if we want change, just do it. We could be a truly green planet within two years. I know this for fact now. It takes 18 months to build a green waste-to-energy plant, and we have proven the human race can work together. There is already a huge movement by governments into green energy. I am involved in 20 waste-to-energy projects here in Australia.

How to be greedy 101

Greed is not such a bad sin! Greed is what motivates us to strive a little harder, it makes us work two jobs so we can have more and it’s why we all invest and are not just content with our lot. We want more! Don’t get me wrong, greed can make some people a total arse – just don’t be a douche about it!And there was never a better time to be greedy than right now! Recession creates opportunity. Now, you do not need to profit from misery, but we can get into that later. For now, let us talk about how to be a greedy little truffle pig and making the right choices.

Modern World- The Great Opportunity

Published March 24, 2020 - Opportunity always comes from disaster and upheaval. It is all about how you interpret the situation around you. The old ways of the 9 to 5 work day does not work for a few reasons.

Negative Interest Rates- The Real Bottom Line

Published March 23, 2020- The official cash rate is effectively the rate of funds at which banks can borrow money from the government. This is why there is such an outcry from the media when the Reserve Bank of Australia (RBA) cuts the cash rate and banks do not pass on the discount: the banks are now effectively making a larger profit from you, the consumer, because their costs have been lowered!

Good news, Bad media!

Published March 21, 2020 - It is in times like this that we become closer as a species. I am hearing some great stories out there of human kindness and solidarity. What makes me sad is that every time I look at the news, the headlines are all “the world is ending!” or good stories are being twisted and told in a negative light.

Smart Moves!- Bank Moves?

Published March 20, 2020 - It is not often that you will hear me praise a bank; however, I must give credit where credit is due. Now, I am the first to criticise where criticism is due. Right now it is directed at mainstream media for feeding into hysteria. There is enough fear and confusion in the world right now without throwing more fuel onto the fire.

Doomsday-Then the day after

Published May 20, 2019- The unfortunate reality is that the lack of education has put everyone who was nodding along with my comments above in the worst possible situation you could ever been in and what I have to say next you really need to pay attention to.

Retirement Mindfulness

Published Nov 24, 2016- This is the exact information that as Australians we prescribe to the "she'll be right mate" and we worry about it when we "get there", which is generally a very large wake-up call in the mid 50's when we want to start winding down into a comfortable lifestyle but find ourselves completely unprepared and ill-equipped.

A Tale Of Two Sides

Published June 28, 2016- The article I am addressing is titled “4 things mortgage brokers never tell you” Da Da Daaaaa!! (You will need to read the article for this to make sense, I have attached it for your viewing pleasure.

Over Supply

April 8, 2016- My advice to any young purchasers, invest where you can afford, and rent where you want to live. And for the rest of you intrepid investors, i wish you "Calm seas and smooth skies"


Published March 7, 2016- If however "Downsizing" is in your current decision pendulum for how to survive in the future based off your current financial situation and is the result of 30 years hard labor to pay down the family home and then "Sell Up" and move into a trailer ... Then that is just not acceptable

This Man's Opinion

Published Feb 22, 2016- Well, the hot topic this week is the reshuffle of the Negative Gearing benefit and your question is how it affects you.

Some Information For You

Published Feb 15, 2016- It seems today that every time you turn on the TV or read a paper there is some type of new explosive news about how the Australian property market is tearing towards a collapse, breaching the Bubble or some other type of doomsday prediction.

Deafening Silences

Published Aug 14,2019- Warren Buffet's investment strategy is based on the Value Investing model, this is where you buy shares at a price that is less than its intrinsic value. Warren then added his own spin on this by "finding an outstanding company at a sensible price" rather than generic companies at a bargain price.

A Success Story

Published Aug 16, 2019- These are the types of businesses that you want to keep a look out for, who are the people behind them, and do they have the drive that only ends in success or death, these are the types of people I will bet on every day of the week.

I Told You So

Published Aug 16, 2019- What you need to do is make sure that you are not one of the people that are losing and I find the easiest way to stay ahead of potential threats is to pay attention to the whole picture and look at history, "All of this has happened before. And all of this will happen again" (yes i did just quote Battle Star Galactic 😛).

Smile Power

Published Aug 30, 2019- My personal code of conduct or standard that I hold myself to is to treat people with kindness both in the way I speak and my actions and I find that most people around me are happy generous people, now I am not saying that I am making them happier just by being happy, I may just be subconsciously cheating and surrounding myself with happy people so that I am happy haha.

Shotgun Self-Employed

Published Aug 30, 2019- It's almost a symptom of a midlife crisis, work has been grinding you down for years, you feel stuck in a rut working for "the man" so you decide to break free of the mold and become your own boss.

Don't panic!!

Published March 11, 2020- Don't panic, this is how money is made in this type of market. You need the fish to swim around in a frenzy, buying high, getting panicked and selling low. How much do you want to bet that Warren Buffett got out of bed this morning, called his team and said “okay guys, time to go to work.” If you want a strong share to buy, get some Berkshire Hathaway today!

Words Break More than Bones

Published Feb 18, 2020- I read an article recently where the author said that value investing is dead and growth investing is the last man standing... As you will see, they are two very different styles, but they are still logically connected.

A Bigger Piece of PIE

Published Feb 6, 2020- “A simple rule dictates my buying: be fearful when others are greedy, and be greedy when others are fearful.” – Warren Buffett Warren has shown us time and again that this paradigm works. Before I show you how to become rich with the cash that you have, let me give the small business owners some tips on how to, not only keep your business in a downturn, but turn that business into a monster.

Diamond Tiaras And The First Great Recession

Published Oct 22. 2019- You see, the issue that we have is the same as our education systems: our monetary policies are dated, we are using mechanics that are from the old world industrial evolution era when the world was large and we communicated with the telegraph. Today, the world is very small and countries’ economies are reliant on each other...