Whether this is your first home purchase or eleventh property investment, there are always 9 essential steps to take before applying for your loan. We all need to be smart when carrying out research for our next loan. Understanding how to position your loan application to ensure you obtain the outcome you are looking for […]
It would be easy to listen to the media, your friends and family and worry about the future of finance and property. So… is the tightening of credit and tough lending criteria a good thing or a bad thing? It depends on which side of the fence you sit on doesn’t it? Let’s have a […]
When investing in property you have most likely heard the saying ‘it’s not the TIMING OF THE MARKET – it’s the TIME IN THE MARKET’ that is important. For long term ‘set and forget’ investors, this is an appropriate comment. However, one of the most important keys to success with property investment is also KNOWING […]
For generations we have prepared our own food at home resulting in a more positive impact on our bodies. We were more likely to eat smaller portions, take in fewer kilojoules, less fat, salt and sugar tending to make us healthier in weight and better general health. So why are we not cooking as much […]
Seasonal Affective Disorder….5 ways to beat the winter blues Have you found yourself full of energy during the warmer months but as the cold winter weather closes in, you begin to lack energy, sleep more and lose pleasure in things you would usually enjoy? There is a name for it… Seasonal Affective Disorder or SAD. […]
Have you ever been given advice from your family, uncle John or friends about what is the best loan and where the best properties are? Why you should invest in property and why you shouldn’t? It should be negatively geared, it should be positively geared… and so on. Even people who have never invested in […]
Interest free loans can work in a number of different ways: • Pay by instalments – regular payments are required each month. • Buy now, pay later – you are not required to make any minimum repayment. WHAT YOU NEED TO KNOW MINIMUM PAYMENTS – In most instances the minimum repayment will not be sufficient […]
Tempted to buy that new lounge, home theatre system or television but don’t have enough money to pay for it right now? Before you sign on the dotted line for in-store interest free finance, think carefully and read the fine print. More importantly, do your research! Well… we have done this for you! Many retail […]
Spend less than you earn champagne taste on a beer budget? Pay down non-deductible debt first Any debt that doesn’t make you money or create your wealth should be paid down first. Start repaying your store and credit cards and personal loans then your home loan BEFORE your investment debt. For every $5,000 racked up […]
Apart from all the physical, emotional and family effects, mobile technology has changed the way we use and value money. We live in a world where we don’t see physical money often. Online purchases are made and cards are tapped or swiped. Data from comparison site finder.com.au reveals if current trends continue, physical cash could […]