The Investment Collective

Fly In Fly Out

29/11/2010 12:30:33 PM

This article was first published in The Morning Bulletin under the heading Income Returns dated 18 September 2010.

The future growth in our region is not in mining or in oil and gas per se, but in servicing and making investments in those growth industries. This is Rockhampton’s history. There are many reasons to choose Central Queensland as home, but unless the thinking changes, notwithstanding the resources boom, our communities will fall further and further behind. In a fly-in, fly-out environment, much better commuter transport links between employee residences and the “coal face” are key to Rockhampton and the Capricorn Coast becoming a viable alternative to Brisbane for mining workers.

Will She Be Right Mate?

29/11/2010 12:21:05 PM

This article was first published in The Morning Bulletin under the heading Will she be right mate? dated 30 October 2010.

Underinsurance can have a huge impact on the lifestyle your family chooses to follow. The family income can often halve if families lose the main breadwinner and an unexpected event can affect your family’s way of living including making mortgage repayments, the cost of running a car, holidays and other expenses. While your superannuation fund may provide a basic level of cover – quite often it is not enough.

Public Perception versus QR

20/10/2010 2:55:01 PM

This article was first published in The Morning Bulletin under the heading QR1 dated 16 October 2010.

QR is an iconic asset. It is generally well run and extremely well maintained. Loosening the constraints of Government by bringing the business into a private enterprise environment is likely to be very beneficial, but whether to buy it all depends on the price. Pricing isn’t known yet, but it’s likely the government will want to ensure that investors receive an attractive return early on.

Super is not an asset

20/10/2010 2:38:04 PM

This article was first published in The Morning Bulletin under the heading Income Returns dated 18 September 2010.

Many think that superannuation is an asset. It is not - superannuation is a special trust formed with the express goal of providing for an individual’s income needs during retirement. From cash to property to shares to art, the assets which can be held in the superannuation trust are broad. Comparing income yield across asset classes is not easy.

What Happens Next

23/08/2010 10:23:42 AM

This article was first published in The Morning Bulletin under the heading Whats Next dated 21 August 2010.

Australia performed better than the rest of the world through the GFC. The European crisis never got to crisis point. Our local economy seems soft, although car dealers tell me that business is actually quite good. CQ’s economy appears to be very interest rate sensitive, and the rural sector is finding life difficult as banks run tighter lending criteria and restrict access to working capital for seed and restocking. Looking forward, interest rates are unlikely to increase at a rapid rate.

Cold Comfort

21/07/2010 11:02:54 AM

This article was first published in The Morning Bulletin under the heading Cold Comfort on 17 July 2010.

CQ’s future lies in dispensing with wrongheaded ideas and embracing a positive social attitude. Let’s recognise that we are a service town, and regain excellence in that. I say those holding us back have had their turn. Once on our way and not before, we can launch a new slogan – “CQ. It’s Hot!”

A Positive Social Attitude

12/07/2010 8:28:42 AM

This article was first published in The Morning Bulletin under the heading Budget on 12 June 2010.

In this week’s State Budget, more than $5.1 million is being directed at indigenous people and other disadvantaged groups in Rockhampton. Specific programs included $512,061 to prevent substance abuse, and $1.31 million for a diversionary centre as an alternative for police custody. As noble as these endeavours are, they should elicit sadness and anger.

2050 The New Town Dream

17/05/2010 10:30:23 AM

This article was first publihed in The Morning Bulletin dated 15th May 2010. The New Town.

The suggestion of a “new town” to accommodate the influx of people that some expect from the mining and gas boom smacks of being dreamt up by people who don’t know the history of urban development in contemporary Australia. Once home to Queensland’s second largest city, our region’s struggle to keep up, is perhaps more a matter of culture than ability. Some civic leaders expound the region’s natural position with respect to the resources boom, but most development of new mines is much nearer Mackay.

Succession Planning for your future

12/07/2010 8:49:30 AM

This article was first published in The Morning Bulletin under the heading Sucession Planning LN Input on 07 April 2010.

Involuntary incapacitation can be dealt with through a specially prepared life insurance plan so that the business can continue to run, or to purchase shares from the owners if the business must close. But what of pre-determined retirement? A business with free cash flow will probably have value - the trick lies in structuring it properly.

Ripoll on the water

16/03/2010 3:24:07 PM

This article was first publihed in The Morning Bulletin dated 13th March 2010. Titled 'All The Rivers Run'

Despite frequent bad press, financial advisors are going to become more, not less, important to people. The advisors will cover all types of personal finance and act as a hub between accountants, solicitors, Centrelink, superannuation and small business. They will provide broad, tailored advice on all these matters, drawing on particular expertise as required. They will charge a fee for service, based on the workload, for managing these things.

Our School, your school MY school

19/02/2010 11:23:24 AM

This article was first publihed in The Morning Bulletin dated 13th February 2010.

Rocky is the home of rumour. The town has made an art form of not letting the facts get in the way of a good story. Drug deals at schools, businessmen’s clandestine dealings, escaping students, we have it all. Evidence? Not much. Not surprising because many think that collecting data is boring. But data is the way to get facts, and facts empower people.

The Investment Collective

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Media

Articles published in 2010

Fly In Fly Out

Will She Be Right Mate?

Public Perception versus QR

Super is not an asset

What Happens Next

Cold Comfort

A Positive Social Attitude

2050 The New Town Dream

Succession Planning for your future

Ripoll on the water

Our School, your school MY school