Andrew Baxter

Looking for a toy that’s as magical as it is fun? Meet Glorbs , the newest sensation that’s taking playtime to a whole new level! Whether you’re a kid or just a kid at heart, Glorbs are designed to provide endless fun and excitement for all ages. With their unique floating, glowing features, these toys promise to keep you entertained for hours. So, what’s all the fuss about? Let’s dive into why Glorbs should be on your radar this year! What Are Glorbs? At first glance, Glorbs might seem like ordinary glowing balls—but once you toss them into the air, you’ll quickly realize they’re anything but ordinary! Glorbs float back to your hand like magic . Toss them up to the ceiling and watch in amazement as they slowly drift down, almost as if gravity doesn’t apply to them! This unique feature creates a mesmerizing experience every time you play. It’s an exciting new twist on a classic toy that brings a touch of magic to your day. Whether you're playing in your living room, in the backya...

 Managing money isn’t simply a matter of math—it’s about understanding the why behind your spending. Whether you’re naturally frugal or a habitual spender, your financial behaviors are often shaped by psychological triggers. These triggers can either support your financial goals or undermine them. Let’s explore the factors at play and strategies to take control. The Danger of Impulse Spending Impulse spending is one of the most common roadblocks to financial success . It’s that unplanned purchase made in the heat of the moment, often influenced by emotions or external pressures. While it might provide a brief emotional boost, the long-term consequences can hurt your wallet and your financial goals. When you indulge in impulsive spending, you’re usually chasing a feeling—joy, comfort, or excitement. But feelings are fleeting. What remains is a depleted bank account and regret over lost progress toward meaningful financial objectives. What Triggers Your Spending? To regain control o...

       Superannuation, commonly referred to as “super,” is an integral part of financial planning in Australia. However, many people tend to overlook it, thinking it’s not urgent or too complicated. The truth is, managing your super early can significantly impact the quality of your retirement. Whether you’re just beginning your career or approaching retirement, it’s essential to take action now to ensure financial stability later in life. Why People Neglect Superannuation Many people delay dealing with their superannuation because retirement feels distant, or the topic just doesn’t seem exciting. It’s easy to think, “I’ll sort it out later,” especially when you’re focused on other financial priorities like mortgages, rent, or running a business. However, this mentality often pushes retirement planning down the list until it becomes a more pressing issue. The sooner you start contributing to your super, the more you benefit from compounding returns. Com...

  In finance, there’s often a wide gap between classroom learning and real-world market dynamics. Academic theories can offer valuable insights, but they rarely capture the complexities and unpredictability of actual investing. Today, we’ll delve into the key differences between finance education and the realities of the stock market, focusing on practical strategies to help you make more informed financial decisions. The Gap Between Theory and Practice In finance courses, students are introduced to models and theories designed to explain market behavior. For example, the “efficient market hypothesis” posits that stock prices reflect all available information. However, in practice, market efficiency is a nuanced and often debated concept. While markets may generally behave efficiently, they are also influenced by factors like insider knowledge, institutional actions, and human psychology — factors that academic models don’t fully capture. A common gap arises from the simplification...

Superannuation, commonly referred to as “super,” is an integral part of financial planning in Australia. However, many people tend to overlook it, thinking it’s not urgent or too complicated. The truth is, managing your super early can significantly impact the quality of your retirement. Whether you’re just beginning your career or approaching retirement, it’s essential to take action now to ensure financial stability later in life. Why People Neglect Superannuation Many people delay dealing with their superannuation because retirement feels distant, or the topic just doesn’t seem exciting. It’s easy to think, “I’ll sort it out later,” especially when you’re focused on other  financial priorities  like mortgages, rent, or running a business. However, this mentality often pushes retirement planning down the list until it becomes a more pressing issue. The sooner you start contributing to your super, the more you benefit from compounding returns. Compounding is the process where...

  Money and psychology are closely linked, affecting how we handle spending, investing, and saving. Many of our financial decisions are shaped by emotions like fear, greed, and our past experiences—often referred to as “money stories.” These emotional connections can either drive us forward or hold us back. To take control of your financial future, it’s crucial to recognise these biases and learn how to manage them effectively. The Power of Money Stories Your beliefs about money, formed during childhood or through life events, play a huge role in how you manage your finances today. For many, money symbolises freedom, security, or choice—emotional concepts that can lead to both positive and negative behaviours. Consider this question: “Money is…?” Your immediate answer can reveal a lot about your mindset. Whether you associate money with freedom, security, or something else, understanding this emotional link is the first step towards financial growth. Fear and Greed: Common ...