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When The Meat In The Sandwich Is You
- December 15, 2016
- Posted by: admin
- Category: Budget, Financial goals
No CommentsAre you a member of one of the fastest growing demographic groups: the Sandwich Generation? Well you’re not alone. And the sandwich is growing! One notable authority on the subject has categorised three demographic groups affected by this issue: Traditional Sandwich (usually 30s-40s) caring for/helping ageing parents and raising their own children Club
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AVOID A NEW YEAR SPENDING HANGOVER
- January 6, 2016
- Posted by: admin
- Category: Budget, Credit Rating
Excessive credit card usage is typically highest in December – only for us to then be hit with a very scary statement in January. Not a great financial start to the new year! Here are some simple tips to avoid a new year spending hangover. If you take action now to limit your spending, you
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Is it the right time to fix my interest rate
- September 30, 2015
- Posted by: admin
- Category: Bank fees, Brokers, Budget, Enconomy, Finance News, Financial goals, First Home Buyer, Home loan product, Inflation, Interest rate, Investment Property, Property Renovation, Self Managed Super Funds, Wealth
Interest rates and home loans continue to be a hot topic in financial circles. 2015 has seen the lowest cash rate – and resulting interest rates – in Australian history. Can they go any lower? Opinion remains divided as to whether they will go any lower – and also when. In addition, the RBA no
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Pleasure or Pain
- September 14, 2015
- Posted by: admin
- Category: Budget, Enconomy, Finance News, Financial goals, First Home Buyer, Home loan product, House prices, Interest rate, Investment Property, Property Renovation, Self Managed Super Funds, Wealth
Now here’s the Pleasure The good news from this, is that lenders are now even more aggressive in winning their share of the owner occupied market. They are particularly hungry to get more of the 80% and below LVR (loan-to-value ratio) business, and we now have a number of lenders who have reduced the interest rates on
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Is it the right time to fix my interest rate?
- September 1, 2015
- Posted by: admin
- Category: Budget, Enconomy, Finance News, Financial goals, First Home Buyer, Home loan product, Interest rate, Investment Property, Property Renovation, Self Managed Super Funds, Wealth
Interest rates and home loans continue to be a hot topic in financial circles. 2015 has seen the lowest cash rate – and resulting interest rates – in Australian history. Can they go any lower? Opinion remains divided as to whether they will go any lower and also when. In addition, the RBA no longer controls
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Should I pay off my home or deposit surplus cash into my super?
- September 1, 2015
- Posted by: admin
- Category: Budget, Enconomy, Finance News, Financial goals, House prices, Investment Property, Self Managed Super Funds, small business, Wealth
With official interest rates at a 53 year low, the question arises as to whether it is better to pay off your home loan or place surplus cash into superannuation. It’s an issue a number of people are pondering. Recent research undertaken by REST Industry Super found the vast majority of Australians prioritise their mortgages
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Time for a second opinion?
- August 19, 2015
- Posted by: admin
- Category: Brokers, Budget, Credit Rating, Enconomy, Finance News, Financial goals, Interest rate, Investment Property, Property Renovation, Rental Property, Self Managed Super Funds, Wealth
Over the last four years Australia has seen significant growth of around 37% in the number of investment property loans compared to an increase of only 4% in the number of owner occupied loans. 78% of the growth in investment property loans has been attributed to the 35 to 64 age groups. In NSW alone,
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Small Business Spending
- July 28, 2015
- Posted by: admin
- Category: Budget, Enconomy, Finance News, Financial goals, Government banking reform, small business, Wealth
If you’re running a small business, now is the time to think big. The Federal Government’s focus on small business in the May budget was designed to encourage small business growth through tax cuts as well as measures to reduce red tape, promote more start-ups and hire more employees. Many business owners will be taking
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The future of Interest only loans
- July 28, 2015
- Posted by: admin
- Category: Budget, Enconomy, Finance News, Financial goals, Interest rate, Investment Property, Rental Property, Self Managed Super Funds, Wealth
It’s not as easy as it once was to apply for an interest-only loan. Over the last couple of months lending for this type of investment loan has been tightened in an effort to slow the pace of record growth in investment home loans. Lenders are under pressure by government regulatory bodies to make it
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Should I pay cash for a car?
- July 28, 2015
- Posted by: admin
- Category: Budget, Credit Rating, Finance News, Financial goals, Investment Property, Wealth
Two of our favourite clients recently shared their story about one of their past financial ‘mistakes’. Early in their married life – 20 odd years ago – Glenn and Toni paid cash for their first car together. Was this a good move? We explore the answer below. Just to give you some background – Glenn