Choosing the option that works for YOU! If renovating an investment property with a view to making a quick profit, the renovation costs should be added as well as other holding costs. As your finance specialist we are here to help you explore solutions suitable for your personal situation. The selling costs of property may include: How to take bricks-and-mortar stores digital with video Michael Langdon Levity director. Avoid shopping around for home loans with multiple lenders as each enquiry will appear on your credit report! Sort out important documents!

Reduce the limit of your cards to the minimum practical amount for your personal situation. What should you know? After five years, with no overseas holidays, they bought a four bedroom, two story-house. Radhika took a job at a university, and Aman started working in IT. Monday to Friday, SmartCompany. As dementia progresses the patient may become incapable of managing their financial affairs or develop paranoia and suspicion around offers of assistance. In fact they look at what your total repayments would be if you used the credit card limit in full even though it may not be utilised.

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Monday to Friday, SmartCompany. Focus on gains — not losses Seeing your savings grow can often lead to more happiness. While ageing parents are also enjoying longevity many will find themselves unable to make their money last as long as they do.

MOST importantly, cut up your old card s so you are not tempted to rack up even more debt while paying down the original debt! You have to know your numbers to ensure the effort will return the result you are after — it is recommended you seek advice from your acountant before any potential sale.

After aesy years, with no overseas holidays, they bought a four bedroom, two story-house. Telstra has also overhauled its residential and business plans ahead of the launch, including boosting the amount of included data on its Easy Share Business plans to between busienss. Unlike a redraw facility the funds are generally available instantaneously allowing you to withdraw the funds at any time.


Stamp duty Stamp duty is a state government tax on the transfer of land or sale of property.

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For her and Aman, it was a meeting of plqn and ambition. Using an offset account effectively will depend on whether your first property is an investment property or your home.

Beware of the costs!

Who will manage your finances? We have helped many clients take that first step onto the property investment ladder.

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. The line of credit could then pay for the portion of the operating expenses that are not covered by the rental income of the property.

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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. Becoming a good saver is a game of psychology — it requires awareness of the unconscious triggers that prevent us from keeping our money in the bank. Feel free to call the office for a chat at any time. Developing achievable saving and spending habits will see you more ready to combat almost any impulse spending you may have.

Ann is an unwitting member of one of the fastest growing groups: From little things big things grow Radhika and Aman initially shared his Pendle Hill apartment with a flatmate.


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However, creating a savings habit can play an important role in our ultimate financial future. Refinancing and releasing equity? We welcome the opportunity to discuss your concerns and assist you to make decisions suitable for your individual circumstances.

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If you are eligible for the FHOG you should take advantage of it. The FHOG varies from state to state — it may only apply to building or purchasing new homes, up to a busienss limit and have rules around how long you must live in the home. Do you really need more than one credit card if it is directly impacting your borrowing capacity?

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Webcams and monitored bathroom breaks: Buying an investment property? It could be either a set rate or a percentage of the total sale. Quite often, when their adult children can, they do.

Blog Archives – Page 5 of 22 – Indigo Finance

Nobody has a crystal ball to predict what may happen in the future. Learn More Why Indigo Finance? Aman and Radhika Bhandari have proven that anyone can a buy property — or six — through determination, goal setting and some sacrifices.

SmartCompany is the leading online publication in Australia for free news, information and resources catering to Australia’s entrepreneurs, small and medium business owners and business managers. Avoid viewing your inability to purchase a flashy new item as a loss.