Although many of us may have the ability to make monthly repayments — particularly in an investment scenario where rent could cover a good proportion of repayments — the challenge is that many of us find it difficult to save the deposit. Clearly, having a plan to repay credit card debt as quickly as possible is the best option… Credit card balance transfers Many lenders now offer credit card balance transfers with a range of rates and offer periods. Check with your relevant state authority. Good luck with your savings goals this year. While there are obvious costs to society of care and disability support, an often less talked about effect is the possible financial ramifications for both the dementia patient and their family. Know your borrowing capacity Obtain an estimate of your borrowing capacity and monthly repayments. Radhika and Aman initially shared his Pendle Hill apartment with a flatmate.

You can appoint one or two people but most importantly they should understand their responsibilities and legal obligations and YOU should feel confident they will act in your best interests. Of course this is only true if the capital gain on the property is greater than the cost of holding it. Conveyancer or solicitor You should choose a solicitor or conveyancer at the same time you start looking for a property. Take photos as well — use these to make comparisons. We can help you look at property investment options suitable for your own financial situation now and in the future. If you have held this property for a number of years it is likely your property may have increased in value. As your mortgage broker we can assess your situation and suggest options to suit your needs from a wide range of loan products and lenders AND there is no charge to you upfront.

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Why has property been a strong contributor to wealth creation? How reducing your credit card limit could ramp up your borrowing power! MOST importantly, cut telsyra your old card s so you are not tempted rasy rack up even more debt while paying down the original debt!


Thinking Ahead Putting plans in place to protect your money should the worst happen involves two key areas — simplifying your finances and deciding who will manage your finances.

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

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An enduring power of attorney allows you to choose who will manage your affairs if there comes a time when you are unable to do so yourself — you should speak to your solicitor to arrange this. Importantly, interest free cards will also reduce your borrowing power. 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 bills.

Rather than saving the deposit you could now borrow the deposit by using that equity as security. Some states offer concessions or bonuses under certain conditions.

Why employee monitoring is counter-productive Ian Whitworth Scene Change co-founder. To ensure a credit card balance transfer works for YOU it is essential to know the terms and conditions of the card AND to be disciplined with repayments. The costs of holding a property may include: 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?

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Like most tasks, the immediate excitement of starting a new project can quickly become mundane without motivation. There are overAustralians currently living with dementia and that figure is expected to increase to over half a million by What can you do?

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Sort out important documents! Using an offset account effectively will depend on whether your first property is an investment property or your home. Feel free to call the office for a chat at any time. Can they access some of the equity in businesa property? Many of our clients are keen to understand what influences their borrowing power and how they can improve their borrowing capacity to be a step closer to their next home or investment property.


What wonderful memories that often creates… So how is the credit plxn balance looking? Good luck with your savings goals this year.

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Without this in place a court may need to appoint a person to take care of you. Advice for going green, from one chief executive to another James Chin Moody Sendle co-founder.

You need a budget Creating a budget and deciding how much needs to be allocated to savings can change the way you view the money you have available to spend.

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Lower income earners can often have a more realistic view of investment risk. A balance busienss should NOT be used habitually to manage recurring periods of debt! Quite often, when their adult children can, they do. As a result they are wrestling with some tough decisions.

However, creating a savings habit can play an important role in our ultimate financial future. The ability to purchase a property depends on providing the required deposit and being assessed telstrq having the serviceability to repay the loan. We have helped many clients take that first step onto the property investment ladder. So how much deposit do you potentially have in the equity of your first property?

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