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What is the Rule of 72?

If you understand how  compound interest  works, you know that earning 10% per year will double your money in less than 10 years, but how long will it take? With


What Is a Sinking Fund?

You’re no doubt aware of what an  emergency fund  is. You may not be as aware of what a sinking fund is. A sinking fund is just as important as


What is the Endowment Effect?

The endowment effect is an emotional bias that causes people to value something they own higher than they otherwise would. Much like other behavioural biases people often don’t even realise


What is a Sunk Cost?

A sunk cost is money that was previously spent and cannot be recovered. It is proper practice to exclude all sunk costs from future calculations and decisions as the cost


What is Compound Interest?

Compound interest refers to interest on your initial investment as well as interest on your interest. Einstein calls it the 8th wonder of the world, and it will play a


What is the Time Value of money?

The time value of money is the idea that a dollar today is worth more than a dollar tomorrow. Understanding the Time Value of Money The concept of the time


What is Real Estate Investing?

What is Real Estate? There are many forms of real estate investing each with different levels, and types of risk, the most common of which is purchasing a house with


What is Index Fund Investing?

What Are Index Funds? Index Funds were created in the mid-1970s by the now legendary, Jack Bogle. It was his belief that many professional investors were not achieving a market


What is Stock Investing?

What Are Stocks? Stocks or Shares were once upon a time a piece of paper which proved your ownership of a company. These days all shares are traded online (some


Methods to Tackle Your Debt Head-On

At some point in our lives, we all have a tough time financially. If you’ve experienced this, you’re probably currently wondering ‘how do I get out of debt?’. Below we


Your Guide to Inflation

What is inflation? Inflation is the increase in the cost of living, and the most common measure of inflation is the Consumer Price Index (CPI). If you’re new to the


Understanding Your HECS-HELP Debt

What is HECS-HELP? HECS or HECS-HELP is a program offered by the Australian Government allowing local students to attend university at no upfront cost. Compulsory repayment will begin once you


Investing In A Vanguard Fund

What Is Vanguard? Whether you’ve been in the business for 20 years or you’re a first-time investor you’ve likely heard of the Vanguard Group but who are Vanguard? What is


What Is A Credit Score?

Banks use it to determine if you are eligible for a credit card or loan as well as what rate they will offer and a landlord may use it to