Ultimately, the investment strategy a client chooses will be dependent on their individual circumstances and their future financial goals. We welcome the opportunity to discuss your concerns and assist you to make decisions suitable for your individual circumstances. Firstly you need a savings goal! What should you know? Know your borrowing capacity Obtain an estimate of your borrowing capacity and monthly repayments.

She has just had her first child and is looking to return to work in the next few months — with assistance from Ann to help with childminding. Check the government website in your state. Conveyancer or solicitor You should choose a solicitor or conveyancer at the same time you start looking for a property. Take the time to collate all of your important documents, including:. Without this in place a court may need to appoint a person to take care of you.

The summer holiday season may leave many of us with a warm glow from indulging our loved ones and perhaps even enjoying a relaxing summer holiday? Step through to your new home….

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To ensure a credit card balance transfer works for YOU sharre is essential to know the terms and conditions of the card AND to be disciplined with repayments.

Stamp duty Stamp duty is a state government tax on the transfer of land or sale of property. With the expense of her mother in care, Ann and her siblings all contribute a regular amount of money to help their parents financially as well as sharing care giving duties whenever possible. Buxiness an investment property?

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Initially it may be that everyday tasks become more challenging and confusing such as keeping track of spending, doing the banking, checking bank statements or paying ezsy. The selling costs of property may include: So what are some of the key tips for becoming a successful saver? Together we may consider consolidating all of your debt credit card balances, personal loans, car loans etc into one loan with a much lower average interest rate.


If you are a home owner your home loan usually has the lowest interest rate.

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Home loan application Great. MOST importantly, cut up your old card s so you are not tempted to rack up even more debt while paying down the original husiness But their real pride and joy?

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The next step is pre-approval. Webcams and monitored bathroom breaks: There are overAustralians currently living with dementia and that figure is expected to increase to over half a million by Why should you have this?

Nobody has a crystal ball to predict what may happen in the future.

A potential profit figure based on current market values might seem tempting but when you add up the costs associated with buying, holding AND selling over the short term versus the long term, plab potential profit margin may not seem so appealing.

Therefore if you have significant credit card limits that are not being used you could be detrimentally impacting your borrowing capacity. Developing achievable saving and spending habits will see you more ready to combat almost any impulse spending you may have.

Using an offset account effectively will depend on whether your first property is an investment property or your home. Offset accounts can be a very effective tool for providing flexibility.


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She has just had her first child and is looking to return to work in the next few months — with assistance from Ann to help with childminding. Advice for going green, from one chief executive to another James Chin Moody Sendle co-founder. This will depend on your level of debt, the number of cards and your individual circumstances, however your choices might include:.

Radhika took a job at a university, and Aman started working in IT. Another 26, are living with younger onset dementia — a figure that is also predicted to rise over time.

Quite often, when their adult children can, they do. Good luck with your savings goals this year. Where to from here? Either one or both of these easj may have created equity in the property. It can dramatically change the way you perceive your finances.

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Monday to Friday, SmartCompany. If you are eligible for the FHOG you should take advantage of it. Why employee monitoring is counter-productive Ian Whitworth Scene Change co-founder.