Archive for the ‘Finance’ Category

5 common financial mistakes people make in their 40s

By admin • February 25th, 2019

The 40s are, for many people, a critical decade for building wealth. Income is usually on the rise, but so are expenses such as mortgages and school fees. Juggling priorities can be a real challenge, and mistakes made in this stage of life can have a large bearing on the size of your future fortune. […]

What is the pension loan scheme?

By admin • December 4th, 2018

Currently 1.8 million Australian homeowners receive some level of age pension, with around 700,000 on a part pension. What many of these part-age pensioners may not know is that, along with recipients of the disability support pension, carer payment and some other Centrelink payments, they are able to access some of the equity in their […]

Rentvesting: the not-so-new phenomenon

By admin • November 28th, 2018

At first glance it seems like a strange thing to do: rent out a property that you own while paying rent to live in somebody else’s place. Yet this phenomenon of ‘rentvesting’ is proving popular, driven by a mix of lifestyle and financial factors. Why do it? A prime reason to rentvest is to get […]

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 […]

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