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Author: Provision Wealth

Travelling with Kids: 4 Travel Hacks

Date: Dec 15th, 2019

Meltdowns in the street, vomit in the car and that dreaded statement of, “I’m bored,” continue to curse family holidays the world over. Travelling with kids is always going to be an adventure that’s split between magical moments and holiday hell. However, that’s never going to stop us from going, right? 

Next time you’re set to jet or drive off, take these top travel hacks with you. 

1. Slow things down 

No matter where you’re going on holiday, chances are you’ll need to double the estimated travel time when the kids are going too. While rushing around at home is often a normal part of everyday routine, this feeling amplifies to meltdown stage if it’s a plane, bus or train you’re rushing to catch. And, the person melting down is probably going to be you! 

The key is to slow everything down by leaving ample time, and then some, in the planning stage. Don’t book flights with quick connections or pay in advance for activities with rigid time restrictions. Leave plenty of time to get to the airport or station. Make sure everyone’s had a snack and gone to the bathroom before getting off a plane, to avoid dramas during long waits at customs or baggage claims. Want to be on the road by 9am to arrive at lunchtime? Leave for your road trip two hours earlier. 

2. Book a hotel for the kids

It could be tempting to book the kids into their own hotel after the twentieth ‘boredom’ tantrum of the day. Failing that, the next best thing is to book a hotel that suits the kids in the first place. When you’re researching, look a little further than the pool and a family room. 

Does the hotel offer a dedicated kids’ pool? A playground? Menus for children? Cot and stroller hire? Babysitting services? Kids clubs? The more facilities a hotel has for children, the better chances there are of other kids being there too. You know what that means? It’s back to lazing by the adult pool for you. 

3. Take packing seriously

What you pack, and often what you don’t pack, makes all the difference to your state of mind. First of all, what can you eliminate by buying or hiring it there? Strollers, car seats and cots are literally huge inconveniences, so relieve yourself of the responsibility if you can. 

Know that overpacking is a major cause of headaches on holidays, so write down a list of essentials and don’t be tempted by the ‘just in case’ items. You’ll want to throw them away when you’re carrying heavy bags and a toddler or two. 

When you’re in transit without suitcases, always check that you have everything you need for a day in a backpack, in case of luggage delays. It’s handy to gather a couple of brand new toys, activities or books to whip out in meltdown moments. There’s nothing like something new to holt a tantrum in its tracks (and no one on the planet will judge you for bribery on holidays).  

4. Gear up for adventure

Children lose their parents all the time, whether deliberately or not, so it’s best to prepare for the inevitable. If you’re visiting busy tourist attractions, deck the kids out in bright colours and write your phone number on a cool wristband they can wear. Don’t forget to take snacks, as they may not find anything they like there. Bandaids and antiseptic are always a good idea. 

Most importantly, to turn meltdowns into magical moments, pack your sense of humour and don’t stop expecting the unexpected.

 

Source: Clientcomm

This provides general information and hasn’t taken your circumstances into account. Any links have been provided with permission for information purposes only and will take you to external websites, which are not connected to our company in any way. Note: Our company does not endorse and is not responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

 

 

Solving income worries for retirees

Date: Dec 10th, 2019

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With interest rates at historic lows and concerns regarding valuations of equity markets, retirees often wonder what is the right strategy to generate sustainable income for the longer term? In this podcast episode, we speak with Dermot Ryan, Co-Portfolio Manager at AMP Capital, to discuss this timely topic.

 

Author: Tim Keegan, Global Head of Marketing Digital & Innovation & Direct, Sydney, Australia

Source: AMP Capital 9 Dec 2019

Important notes: AMP Capital Funds Management Limited (ABN 15 159 557 721, AFSL 426455) (AMPCFM) is the responsible entity and the issuer of units in the AMP Capital Equity Income Generator (Fund). To invest in any the Fund, investors will need to obtain the current PDS from AMP Capital Investors Limited (ABN 59 001 777 591, AFSL 232 497) (AMP Capital). The PDS contains important information about investing in the Fund and it is important that investors read the PDS before making a decision about whether to acquire or continue to hold or dispose of units in the Fund. Neither AMP Capital, AMPCFM, nor any other company in the AMP Group guarantees the repayment of capital or the performance of any product or any particular rate of return referred to in this podcast. Past performance is not a reliable indicator of future performance. While every care has been taken in the preparation of this podcast, AMP Capital makes no representation or warranty as to the accuracy or completeness of any statement in it including without limitation, any forecasts. This podcast has been prepared for the purpose of providing general information, without taking account of any particular investor’s objectives, financial situation or needs. Investors should, before making any investment decisions, consider the appropriateness of the information in this podcast, and seek professional advice, having regard to their objectives, financial situation and needs. This podcast is solely for the use of the party to whom it is provided and must not be provided to any other person or entity without the express written consent of AMP Capital. For more information on the fund, please click here.

The global events bonds investors should monitor in 2020

Date: Dec 10th, 2019

There are several global events and themes on our radar for the remainder of 2019 and moving into 2020. Those who recognise the utility of bonds in a broader investment portfolio should take note of these broader conditions.

There have been strong gains for bonds in recent months, after a period of declines. An example from the Australian market is pictured below. Part of the reason for this could be that bond markets are responding to an anticipated global economic recovery.  


Source: Bloomberg, as at 30/9/2019

Here, we take a look at some key events on the global stage that impact fixed income markets.

Financial conditions

Policy easing has contributed to more supportive financial conditions worldwide, which is one to watch moving into 2020.

In fact, the monetary easing put into effect this year is one of the reasons our chief economist, Shane Oliver, holds some optimism about the global economy for the year to come.

That said, central banks are expected to remain dovish for a period, and in some cases, constrained in their ability to offer further support. The Reserve Bank in Australia, for example, has called on the federal government to introduce fiscal stimulus into the economy.

Growth on the global stage

Economic growth internationally is, as ever, one to watch. Broadly speaking, although monetary policy is set to have an impact, conditions are still soft and the risk of recession lingers.

Further, there are ongoing weak spots of note. For example, there is an increasing risk that trade-induced weaknesses in both Europe and Asia are becoming entrenched. Given time, this may begin to spill over into the United States.

In addition, core inflation has been suppressed, but looks set to be moving slowly higher if growth can rebound globally.

Trade tensions

The fixed income market is also not immune to the knock-on impacts of an event which has had a far-reaching impact on international economies since it began: the US-China trade war.

The political climate in the US, as it heads towards the federal election in 2020, could prompt a short-term breakthrough. US President Donald Trump will be under pressure to keep the economy stable, and progress on trade talks with China would be favourable for his campaign.

Nevertheless, the conflict remains a key risk to watch and monitor for impact.

In focus: the Australian market

No doubt, in a lower-for-longer environment, investors in the Australian market would be questioning the utility of a bond portfolio.


Source: AMP Capital Global Fixed Income team, 30/09/2019.

Granted, Australian bonds will not be able to provide the same defensive attributes that they have historically, given the multi decade falls in yield, but in a world of ever increasing negative yielding debt, Australian bonds continue to offer defensive characteristics. Australian bonds whilst offering a low yield, remain a triple AAA rated, liquid, defensive asset, that is attractive to many of its peers.

 

Author: Ilan Dekell, Head of Macro Sydney, Australia

Source: AMP Capital 5 Dec 2019

Important notes: While every care has been taken in the preparation of this article, AMP Capital Investors Limited (ABN 59 001 777 591, AFSL 232497) and AMP Capital Funds Management Limited (ABN 15 159 557 721, AFSL 426455) (AMP Capital) makes no representations or warranties as to the accuracy or completeness of any statement in it including, without limitation, any forecasts. Past performance is not a reliable indicator of future performance. This article has been prepared for the purpose of providing general information, without taking account of any particular investor’s objectives, financial situation or needs. An investor should, before making any investment decisions, consider the appropriateness of the information in this article, and seek professional advice, having regard to the investor’s objectives, financial situation and needs. This article is solely for the use of the party to whom it is provided and must not be provided to any other person or entity without the express written consent of AMP Capital.

6 Sustainable Christmas Ideas

Date: Dec 06th, 2019

 

By the time we sit down for a sun-drenched lunch on Christmas Day, lounge rooms across the country are usually piled high with shreds of wrapping paper, screwed up gift tags and shattered plastic toys. Cue sunset and leftover prawns join soggy crackers, wilted salad and half-eaten lollies in the bin – all wrapped up on pictures of Santa in the plastic tablecloth. When you really think about it, that’s a whole lot of money thrown away as non-recyclable rubbish.

With a few simple tips, it’s possible to host a more eco-friendly Christmas that saves money and unnecessary waste, without skimping on festive cheer. 

1. Shop locally

Supporting local businesses helps to encourage a sustainable local economy. Best of all, you’ll often find eco-friendly, organic products in specialty stores that are unique and handmade with love. Before the big day, buy your fresh food from the farmers’ markets and stock up on homemade goodies – or make them – instead of packaged treats from the supermarket. 

2. Choose gifts that last

We’re all subject to that last-minute rush of buying gifts and the panic that comes with it. Plan a little earlier this year to avoid grabbing shiny things off the shelves to fill stockings. Instead, choose gifts that last or offer experiences. Consider items like houseplants, reusable coffee mugs, wooden games and puzzles or handmade gifts of food, natural beauty products and candles. Buy your loved ones tickets to a concert, lessons in a favourite hobby or make your own gift certificate for a service you’ll do for them. 

3. Rethink wrapping

Wrapping paper is one of the biggest sources of waste each year, so pop that sparkly new roll back down and consider other options. Start collecting reusable gift boxes, use festive scraps of old material, make brown recycled paper look fancy with your craft skills or wrap a gift inside another gift of a scarf or shirt. 

4. Decorate with nature

If you have toddlers, cats or even guests who’ve had one too many beers in the sun, plastic Christmas trees and fragile decorations may not survive to see the next one. Keep it green by sourcing a tree from sustainable forestry systems. Or, simply buy a potted shrub or tree with the aim to replant it after the celebrations. Use pine cones, frangipanis, nuts, fruit or twisty twigs for table displays. It’s amazing what you can find in the backyard when you look closely. 

5. Create a meal plan

There’s nothing worse than hosting a celebration and feeling like you won’t have enough food for everyone. But, seriously, has that ever happened on Christmas Day? To avoid wastage, write a list and allocate just one dish to each person or family, in categories so that everything’s covered but not repeated. That way, you won’t end up with five pavlovas.

6. Donate unwanted gifts

It’s hard to buy the perfect gift, and many of them end up in the back of the cupboard. Take the opportunity to give back by donating gifts to a charity or regifting them to someone who wants them (it’s not a social taboo, it’s a form of recycling!). 

Every little bit helps in the long run, towards a sustainable future. Plus, you’ll find there’s a lot less cleaning up and a lot more money left in your wallet heading into the new year. 

This provides general information and hasn’t taken your circumstances into account. Any links have been provided with permission for information purposes only and will take you to external websites, which are not connected to our company in any way. Note: Our company does not endorse and is not responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page. 

 

 

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