7 steps to keep you and your business safe from cyber threats Both consumers and businesses, now more than ever, need to be aware and vigilant in managing their online security. Despite consumer awareness of cyber security, many don’t take the necessary steps to protect their personal information. In fact, a McAfee survey of 6,400 […]
Is the key to saving a home deposit as simple as giving up smashed avo toast for breakfast? Well not quite, but spending less does make a difference. On top of a budget, a savings plan and strategies such as a high-interest savings account, an effective way to save is to reduce or eliminate expenses. […]
Securing a business loan in Australia isn’t necessarily difficult but knowing how to navigate your way can be the difference between success and failure. Banks and other financial institutions offer a wide range of business finance options, from commercial property loans, commercial vehicle leases, and commercial and equipment leases, to simpler options such as letters […]
If you’re looking for a home loan but are inexperienced with finance brokers, attending your first appointment with a broker can be a nervous experience. Getting a home loan, after all, can be quite complex for a first-timer. There are lots of brokers around and there is a lot to learn. But there are many […]
Investing interstate When people think of buying an investment property, many only think locally. Investing in a property interstate could possibly be a smarter idea, potentially resulting in a better return on your investment. It may also be a potential way to snaffle a bargain. You could be buying into an area with greater potential […]
Heating and cooling Close doors to unused rooms Close curtains or window shades Use blankets, electric blankets, wheat bags or hot water bottles instead of heating the room Clean your air conditioner or cooler so it doesn’t take as much energy to run Turn off heating or cooling when you are not home and overnight […]
At a time of almost constant changes in the finance world – and an absolute overload of information online – it’s easy to see why some consumers are becoming ‘switched off’. A recent study about financial literacy found 36% of respondents didn’t realise if they reduced the length of their loan they would also have […]
Property has been considered a popular path to wealth creation for Australians for many years. It has the potential to generate capital growth (an increase in the value of your asset) as well as rental income. There are also tax advantages associated with negative gearing. However, when buying an investment property it is wise to […]
Average annual electricity bills in Australia hover around $1,600 per state, even hitting as high as almost $2,000 in South Australia. For example, a family of five’s average annual electricity bills can climb to as much as $2,576.28. Our varying Aussie climate coupled with a growing population place increased demand on energy use. Q. How […]
Get them NOW – your investment property tax returns on pay day Whether you are a first time property investor or a property portfolio owner, cash flow is critical. There are many ongoing, and sometimes surprising, costs associated with holding investment properties. Numerous unending costs include insurance, body corporate/strata fees, council and water rates, property […]