Personal Finance

How to Savvily Deploy Your Tax Return

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An additional disclaimer: This post is not intended as personal financial advice. Before making any substantial financial decision, please seek personal and professional advice from a qualified financial advisor or planner. The financial year ends in Oz June 30th and whilst I don’t know about you, June through August is a time when I daydream […]

Net Worth Update

Net Worth Update (June 2016)

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Previous update here. Tons happened in June, locally and abroad. Brexit appears to have unsettled investors, most likely on a temporary basis. In Australia we had our Federal election, which as I write (July 2) seems the Government will be retained,  albeit with a smaller majority or perhaps a hung parliament. I submitted my Masters thesis […]

Guest Post

A Practical View on the 4% Rule: Guest Post from John Ryan

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I’m delighted to share the following guest post from John Ryan, of MoneyTime, where John blogs about finance related topics, ranging from investment to real estate to frugal living and financial independence. In the February 1998 issue of the Journal of the American Association of Individual Investors an article called “Retirement Spending: Choosing a Sustainable Withdrawal Rate,” by Philip […]

Frugal Food & Dining

Superfood breakfast for less than $5

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This may be my last weekend as a full time student as I’ll be submitting my Masters thesis on Monday, then starting work after a month or so break. I’ve spent the last 4 years living on a student budget yet am fairly active and health conscious. I don’t always nail it, but 80% of […]

Net Worth Update

Net Worth Update (May 2016)

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Previous update here. May was a fairly full on month here at wealth from thirty. Teaching at the University is finally over for me (I gave my last lecture in early June) and I’m finalising my Masters thesis for submission. Getting the thesis done will give me a bit of breathing room in July. A few big […]

Investing

Economic Moats

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Warren Buffett coined the term economic moat when talking about a company’s ability to maintain its competitive advantage against competitors over long periods of time. In an interview with NDTV, he described outstanding businesses as those  which increase their moat year over year rather than focus so much on quarterly earnings. In the interview, he called these businesses economic castles. In […]

Net Worth Update

Net Worth Update (April 2016)

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Previous update here. Hello again! It’s been a bit quiet on my part around here, as I’ve squirrelled myself away in a squirrel hole working on my thesis. Summer is definitely behind us in the southern hemisphere, with April bringing  cold winds from the south and wet weather – starting with race day for the Triathlon I took part in! […]

Net Worth Update

Net Worth Update (March 2016)

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Previous update here. The teaching semester began at my University which means alongside my PhD scholarship, I receive some  income from lecturing and tutoring. This is great, and for the next few months, I’m contracted to earn a fairly decent sum. I’ll also have to mark student assignments and started working a research job over […]