Comfort with money

I have been through a divorce. It was not fun. On a couple of occasions in the past I have assisted clients in the process of getting divorced to reduce the trauma but above all to attempt to produce a financial result that was “fair” (in whose mind?) and a separation that was practical. The first client I ever helped was the lady to whom I have now been married for 36 years. Because her husband at the time was a mate of mine (and, in a manner of speaking still is) the question occasionally arises that I could have got a much better deal for her. In my opinion a better deal is not just measured in dollars! When I graduated with an LLB after working as an accountant for almost 30 years, a solicitor who I approached for advice about what to do with this newly acquired qualification said that he could keep me going full-time providing financial advice to his divorcing clients - so that they could win in financial terms. I rejected that concept because I believed passiona

“Loyalty” programs at their most basic are simply a way of saying, tangibly, “Thank you for shopping with us”. Like the “bakers’ dozen”, which, if you are a cynic, probably started with a baker who couldn’t count, but was more likely a sale gimmick - buy twelve and get one “free”.* Setting aside discounts at sales time my first encounter with points accumulation, like most of us, came from a frequent flier program and after crossing the Pacific several times on business we finally managed to get a “free” flight. On another occasion when trying to get a free flight using “points” we discovered that the ONLY 2 business class seats that could be bought on that plane for that flight had been taken the day before ( the first day they were available) and there were no more “free” seats on that plane- due to take off in eleven months’ time! Since those early days so many points givers have popped up and ALL of them involve spending money before you get points, unless you tra

When I studied English at University one of the lasting imprints on my consciousness, put there by more than one of the lecturers, was the fact that our language, unlike Latin, continues to evolve. What a phrase, expression or even a word that was universally accepted as meaning something in 1948, can mean something quite different in 2018. The word “gay” springs to mind, as does the word “nice”. Nice once meant silly, foolish or simple, far from the complimentary meaning it has now. As a teenager I would have thought that the expression “hard working Australian” had a simple enough meaning. Somehow a particular band of politicians have managed to hijack these words to create an exclusive section of our country who are toiling away, being exploited, always struggling to make ends meet and deserving of more government assistance. This assistance is provided by the government from taxes collected. From whom? Surely not the hardworking Australians who are too busy working hard a