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Humble Investors – The New Investor Website

By on March 1, 2013 in Featured, Five Ways To Invest, humble savers commentry, Newsletter, Questions for humble savers, Retirement

HI Symbol

A quick message to our humble savers readers – We now have a new website up and running called

Humble Investors have been created for our readers who are wanting greater investment knowledge.

It has been written for the Aussie investor, however, much of the content will be useful no matter where you are from.

The website is unique as the content is coming directly from professional financial advisers and associated businesses. You hear all the latest investment news directly from the people who are helping their own clients to secure financial security.

Each financial adviser at Humble Investors will have their profile ‘on show’ and with one click you can ‘connect’

We would appreciate if you came along and visited the Humble Investors website. Any constructive feedback would be appreciated.

Humble Investors - Your Advice Hub

Important – humble savers will continue as a money saving website. You will notice more direct money saving opportunities over the coming months.

 

To join the the investment buzz at Humble Investors, just click on the link below

Click To Visit Humble Investors

A big thanks from the humble savers team for all your support.

 

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Collection of Money Saving and Investment Articles

By on August 31, 2012 in Newsletter, Quick Money Saving Tips

This is something we haven’t done in a while, a collection of stories that have caught our eye.

We have again used Storify, a great resource for curating content from the web. 

If you have any articles that you have found and would like to share, let us know.

Cheers and enjoy the reading.

 


Selection of Saving and Investment Articles

This is a collection of Saving and Investment stories that have caught our interest here at humble savers – enjoy

Storified by humble savers · Thu, Aug 30 2012 22:28:12

Australian investors have avoided the stock market and invested in cash deposits at the bank. But what now? Interest rates are falling so should you consider investing back into the stock market?
Firm grasp on realityIllustration: Warren Hackshall How much of my money should I keep in cash? That’s the most common question many financial advisers are he…
Interesting article – Financial inequality does put presurre on friendships. As usual with Get Rich Slowly, the reader’s comments are a must read.
Friendships and Financial InequalityA few years ago, I started spending time with a coworker outside of work. She was cool, fun to hang out with, and we had a lot in common….
Classic article from The Simple Dollar – This won’t make you rich, but add it to all the other money saving tips, you will be well on your way.
Learn How to Do Simple Home Maintenance Tasks (241/365)Yesterday, I posted a long list of home maintenance tasks that you should consider doing regularly around your house. As was discussed th…
Credit Cards and reward points have been popular at humble savers. This article explores the issues one more time.
Maximise reward pointsThe strategy: To avoid being ripped off by reward credit cards. Are they likely to rip me off? A study by financial comparison site Mozo …
From our friends at Mozo.com.au What is best when you need $5,000.00, credit cards or a personal loan?
Credit cards versus personal loans. What’s the cheapest way to borrow $5,000? | The Mozo BlogHave you ever needed a short burst of extra cash, maybe to pay for that trip overseas or make some improvements around the house? You pro…
And to finish off, what weprobably always knew but had it confirmed (sort of). New appliances are simplynot designed to last.
LG Rep: Washers And Dryers Are Not Meant To LastMorgan called up LG looking for a part for his dryer. He had learned that he wouldn’t be able to get the appliance repaired. That was dis…
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Newsletter – Money Myths, Greek Trivia and Superannuation

By on May 17, 2012 in Newsletter

humble savers - The NewsletterLatest Articles

Five Ways to Save Money – Money Myth Busters. We have all heard the old money sayings that have become myths of their own, but which ones are true? We take a look at five popular money myths and give them our verdict. One myth that we believe to be true, is: ‘Where there’s muck, there’s money….Read more

The Official Australian Interest Rate Cut – What You Need To Know. A lot of hype was created when interest rates were recently cut and we followed the news using ‘Storify’. As highlighted a few times by humble savers, the interest rate cut may seem to be good news, but there is a sting in the tail. The interest rates are coming down because the economy is not performing…. Read more

Five Ways To Invest – How To Start Investing. To secure your financial future you’ll need to invest wisely. The last few years have been both confusing and disappointing for investors. This latest article aims to ‘clear the mind’ to help you make a fresh start…. Read more

Financial Trivia

Greece as we know is suffering a financial crisis and the world is again getting worried. The Greek debt is estimated to be $500 Billion, US Dollars (CIA World Fact Book).

The stock markets have got nervous over the past couple of weeks, worried that Greece will not pay back the debts. During this period of time, the US stock market as measured by the S+P 500, has lost over $600 Billion in value! The total value lost around the world is estimated to be three times the debt of Greece. If you are having difficulty making sense of it all, you are not on your own!

Interestingly, Apple is now worth $510 Billion (May 16, 2012). The GDP of Greece is $308 Billion.

A Super Program

Regret Nothing is a great website for younger people who want to take control over their finances. They have an exciting campaign commencing very soon that will help everyone to better understand their superannuation. Superannuation is important, 9% of our wages gets directed to it and this will climb to 12%.

For most people superannuation will become their largest asset, even larger than the family home. However, we often take very little notice of our superannuation until it’s all too late.

By signing up for the free six week program, you’ll learn more about superannuation and have quite a bit of fun along the way (I’ve seen some of the videos!) Click here to find out more

Cheers

The humble savers team

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Newsletter – Interest Rates, Retirement and Inflation Trivia

By on April 20, 2012 in Newsletter

The Newsletter for humble saversLatest Articles

Low Interest Rates – Be Careful What You Wish For.  The interest rate debate in Australia is close to fever pitch. The media and business community are putting pressure on the Reserve Bank of Australia (RBA) to lower interest rates and this is (mostly) supported by the general public, but be warned –  lower interest rates is not always good news.

Five Ways To Save Money – In Retirement. Entering retirement should be exciting as it gives you the opportunity to enjoy the extra free time after a long working career.  However, for many Australian retirees, irrespective of their financial situation, there will be some financial stress and anxiety when entering the retirement years.

FOFA – What Australian Consumers Of Financial Advice Need To Know . The Australian Federal Government has just passed its ‘Future of Financial Advice’ legislation, better known as FOFA. The intention of the legislation is to create a transparent market for financial advisers to act and operate in the best interests of consumers. But what does it mean for you?

Twitter Money Quotes.  We trialed ‘Storify’ to present the latest savings and investment quotes from Twitter. Quotes include: “One of the most difficult tasks in the world is to convince a woman that even a bargain costs money”.

Financial Trivia
Inflation in Australia for 2011 was 3.1%. The average form 1937 to 2010 was 6.02%. The highest single year inflation was 17.6% in 1975 and the lowest was -0.3% for 1997.

The table below shows the purchasing value of $10,000 today and what it would be in 10 years time at the different inflation rates.
 

Inflation Rate

3.1%

6.02%

17.6%

-0.3%

$10,000 in 10 Years

$13,570

$17,942

$50,591

$9,704
 

Financial Articles From The web
 
10 Mortgage Rules To Live By - From realestate.com.au - Some very handy tips for your mortgage

A $100 Weekend In Melbourne. – No Melbourne jokes please! This was via the New York Times

Take Steps to Avoid Bad Moves - Looking at ways to avoid ‘badmoves’ into dubious investments and other scams – via Sydney Morning Herald

We hope you enjoyed enjoyed our newsletter and please forward it onto friends and family. Many thanks.

Cheers

The humble savers team

image source

 

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THE NEWSLETTER – Timing The Market, Frequent Flyers, Trivia And More

By on March 18, 2012 in Newsletter

The Newsletter for humble savers

Welcome to humble savers – THE NEWSLETTER

Latest Articles

Is Now The Right Time To Invest In The Stock Market? A very common question. The answer does depend on two critical questions, 1- What is your investment time frame and 2- What is your investment personality (can you sleep at night when markets are falling?). The article includes a small chart that shows how the major stock markets of the world have performed since their previous peaks. Interestingly, Australia is dragging the chain!

Australia Becoming A Nation Of Savers (Media Release) Anyone living in Australia will know that the high street retailers have been describing the current trading conditions as the worst on record. It looks like Australian’s have become savers. More importantly, they are also becoming prudent savers, with careful research through the web and social media before making their purchases.

How to Value Frequent Flyer Miles – Cash or Fly?  A revitalised article that now comes with a simple calculator. You can quickly calculate if you are better off exchanging your frequent flyer miles (points) for a flight, or to purchase a gift card. This article has proved very popular right across the world! Must be a lot of people wanting to use up their points.

Financial Lessons From The 1940s and 1950s  We look to the past through the eyes of one of our readers and find some useful financial lessons for us all. Being raised in war torn Europe and later immigrating to Australia breeds a tough, yet savvy character and we can all lean from her experiences.

Student Spending And What They Could Have Bought  A great Infographic that shows how students spend their money and what they could have bought if they spent a little bit less on their vices! Not just for students, something for everyone in this article.

Financial Trivia
In the article ‘Is Now A Good Time To Invest In The Stock Market?’. The Australian stock market looks like a poor second cousin to the US and UK. However, over the same time period the Australian Dollar has gained in significant value over the US Dollar, up 18% and up a whopping 55% in value over the UK Pound. 

Financial Articles From The web
The money carnivals continue to grow in popularity. The latest include

  1. Carnival of Personal Finance #352 The Cocktail Edition
  2. Carnival of Personal Finance #351 Women’s Personal Finance Edition
  3. Carnival of Personal Finance #350 The Little Prince’s Journey To Financial Enlightenment

And lastly, the popularity of Pinterest is still growing. We’re still finding our way around this new social media platform. We have updated the ‘Quotes Board’ and we have a great range of interesting Infographics and a great social media You Tube clip. Check us out at  Pinterest – Humble Savers

Cheers

The humble savers team

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