Independent Thinking Insight

Articles 2018-05-12T07:03:44+00:00

Savings Goals

The hardest time to save is when we’re ‘just saving’ with no end in sight. It’s like going to the gym to train; but, train for what? 

As Lewis Carrol once wrote ‘If you don’t know where you’re going any road will get you there.’ Goals […]

Tax Savvy Investing

Nothing is certain in life, except for death and taxes. Benjamin Franklin said this almost 300 years ago, and it still rings of truth.

The economic and political landscapes are now even more complex and connected than they were in the early days of American politics […]

How to set flexible goals

Last week we looked at why it’s important to become flexible in setting goals. This week we’ll consider how we set flexible goals.

Setting personal goals can empower us to transform our lives and drive towards our wishes – but if we feel like we’re not […]

Stocks vs Shares

In the world of investing there are myriad ways to create wealth. These systems are complex, integrated and offer just enough certainty to attract our attention, but not enough to be a sure-thing.

Two investable options that are talked about daily are stocks and shares. They […]

Why we need to be flexible with our New Year’s Resolutions

Towards the end of every year, it is customary to reassess our priorities, take stock of the year that was, and plan for the year to come. The emergence of the 2020 Coronavirus pandemic and global lockdowns disrupted our daily routine and our lifestyle altogether, throwing most plans and […]

Who’s advice are you taking, seriously?

Times of festivities and celebrations are often paradoxical in that we want to see friends and family, but we find that when we’re with the ones we don’t often see (only for big occasions and end-of-year-bashes), they have opinions that challenge our own and they’re all too willing to […]

Investing: How elections matter

There are three things we should never discuss around the dinner table: money, politics and religion. Ironically, the three things we normally always talk about around the dinner table… are money, politics and religion!

One reason for this is because they’re all connected, and they’re all […]

The gift of compounding interest

Every holiday season, the search begins for gifts that keep on giving. From music to cooking classes and other hobby-related courses – scores of us try to find a gift that won’t be tossed onto the pile of unwanted, unused and under-appreciated thingy-me-bobs.

We look for […]

Being responsible means so much more

Festive celebrations will look a little different this year (and possibly every year going forward!). No matter where you find yourself this December, everyone has had a year of heightened awareness around health and personal space.

It has not been easy to follow precautions of preventing […]

Gifts for the cost-conscious

As our finances ebb and flow, we will sometimes face a festive season where we have to think out of the box for holiday gifts. Gifts are a wonderful way to let our loved ones know how much we appreciate and value them, but they can be expensive and […]

Savvy celebration tips when times are tight

Tough years lead to leaner budgets and lighter wallets. But it’s important to celebrate and the festive season is traditionally a time to enjoy and celebrate friends and family. Families and businesses host and cater for large groups of people, and the costs can add up quickly.

Taking stock and talking stocks

Anyone with a mediocre knowledge of investing will be familiar with the term “stock”. 

But few people are aware that there common stocks and preferred stocks. And they’re fundamentally different.

Stocks have been traded for over 400 years – the first common stocks […]

Three ways to survive a bear market

What do you do when a bear attacks?

For many of us, we don’t live near any bears, so we’re likely to be unprepared. When it comes to a bear market, the situation is not too different. No one can predict a bear market, and for […]

Planning reduces anxiety

We don’t plan because we fear the future. We plan because we realize we can enjoy today more by reducing the anxiety of tomorrow. 

Most people accept that planning offers us a detailed proposal for doing or achieving something. When we plan, we map out the […]

One of the worst things to plan for…

In Western culture we have become very detached from the cycle of life and death. Only those who work in specific industries will be accustomed to the fragility of life, but for most of us it’s something that will happen in the unforeseen future, so we try not to […]

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