Palm Tree Finance

Wondering what tool I use to observe the market?
It is called Mapping the Market.

This house sold for $899,999 — and that number is no accident. One recent sale explains the entire Adelaide property market right now.
🏠 Days on market are stretching across Adelaide — watch the guide revisions, not the headlines 💰 Prices ending just under scheme caps = the buyer pool did the negotiating 📉 National values fell 0.4% in June — Adelaide's flat, not falling (yet) 🔍 A revised price guide tells you more about a vendor than the listing photos ever will

Business went quiet in a downturn, and the silence got to me. So I dropped $2,000 on a marketing course that promised clients would come flooding in. They didn't. Lesson learned: when things slow down, fear starts making your spending decisions — and fear is an expensive advisor. Running a business through a slow patch? You're not alone — drop your panic purchase in the comments. 🌴

Offset account or index fund? The answer depends on your tax bracket, not just the rate.
• Offset returns are effectively tax-free — index fund returns aren't
• You have to "gross up" the offset rate to compare fairly
• Higher tax bracket = index funds need to work harder to beat offset
• Capital gains get a partial discount, which shifts the numbers slightly