Archive for the ‘Finance’ Category

Time to cool off

By admin • January 31st, 2017

Have you ever awoken the morning after signing a contract for something – a gym membership, a car, a new phone plan, or a house – and thought “Oh, no! What have I done?” Well, it may not be the end of the world. If the contract contains a cooling-off period, you probably have a way out of it. A chance to […]

Seven habits of highly effective investors

By admin • December 8th, 2016

If you’re feeling a little bombarded by news about the US and Australian elections, Brexit fallout, RBA interest rate cuts, anaemic global growth—you’re not alone. In a low-return, high-volatility world, many people are asking, ‘How can I protect my investments in this environment?’ By: Russell Investments Unless you’re a day-trader or speculator, watching the market […]

Keys to de-stressing a mortgage

By admin • October 26th, 2016

“Don’t sail out farther than you can row back.” This Danish saying is sound advice for anyone thinking of borrowing to buy a home, particularly now that interest rates are low and house prices are generally rising. According to a paper (1) for the Centre of Policy Development and University of Canberra, Australians have a […]

The role of franking credits

By admin • September 23rd, 2016

It’s obvious that investors select investments based on the rate of return they can earn on their funds. For share investments, the rate of return has two components: 1. Sell the share for gain – assume you purchase 100 shares $20 each. If you later sold the shares for $40 each you have made a […]

Should I Refinance?

By admin • August 10th, 2016

Where to start? An accredited mortgage broker can help weigh up your options. Refinancing a mortgage can be daunting. Fees, fixed versus variable interest rates and monthly charges all need to be considered. The right refinanced loan could help you pay off your mortgage faster and for less, clear unhealthy debt or help you upgrade […]

Advice for every stage in life

By admin • September 17th, 2012
Advice for every stage in life

No two financial plans are the same, especially taking into account different stages of life. A person in their 30s will need very different advice from a person in their 60s. Young to mid-life   You are establishing and building your career and perhaps starting a family. You may be looking at: getting married further […]

The best ways to maximise your rewards points

By admin • September 14th, 2012
The best ways to maximise your rewards points

Credit card reward points, most of us have access to them but how do we get the best use out of them…..the answer is NOT to spend more on your credit card to earn more points! choose a card that has a low annual fee cards that provide at least 1 point for $1 spent […]

Are you paying too much?

By admin • September 3rd, 2012
Are you paying too much?

How much is too much when it comes to paying bank fees…..the answer is anything greater than $0. The variety in the types of bank accounts that are available today is limitless. Careful consideration needs to be given to what suits your individual circumstances so that your annual bank fee cost is $0. We often […]

The five biggest money mistakes

By admin • August 17th, 2012
The five biggest money mistakes

A great article sourced from the Sydney Morning Herald: By: Nicole Pedersen-McKinnon http://www.smh.com.au/ Make no mistake, taking the wrong approach can lose you plenty of money. One wrong decision can put your financial future at severe disadvantage. I see it all the time – people making not just financial faux pas but money mistakes of […]

Are there any benefits to salary packaging a car?

By admin • August 14th, 2012
Are there any benefits to salary packaging a car?

Since the 2011 Federal Governments May Budget announcements, there are less tax incentives available to package a vehicle, but there might still be other benefits in salary sacrificing a vehicle via your employer compared to paying in after tax wages. One of the most common questions our clients ask us is, “how should I purchase […]

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