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l1st

Done your tax return yet? Time to get cracking

Just like a Melbourne Cup winner tearing down the outside, the October 31 tax deadline can quickly rush up on you. As the Australian Tax Office can fine those who fail to get theirs in on time, it might be time to get cracking. The good news is you still have time to get it…

13 0
l1st

Keen for a sea change? Beat the Millennial rush

Buying a house by the sea in a little known coastal town is no longer reserved for retirees. New research shows that those flocking to coastal towns are now predominately young families. Most of us have dreamt of the days when we'll one day be able to afford a house nestled down by the sea…

14 0
l1st

Farewell negative gearing and CGT discount?

You've probably seen 'negative gearing' and 'capital gains tax' in the news recently. That's because they're set to become hot topics ahead of the next federal election. Today we'll take a look at both. If you're an aspiring first home buyer, negative gearing and capital gains tax (CGT) are things that you may have heard…

10 0
l1st

Six ways to ride through life's tougher times

Sticking to a financial plan – such as paying off a mortgage – can be a long journey that's punctuated by high highs and low lows. Here are some tips to get you through the tougher times. October is generally the month that people all around Australia and the world dedicate to improving awareness around…

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l1st

Six ways to ride through life's tougher times

Sticking to a financial plan – such as paying off a mortgage – can be a long journey that's punctuated by high highs and low lows. Here are some tips to get you through the tougher times. October is generally the month that people all around Australia and the world dedicate to improving awareness around…

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l1st

Choosing the right investment ownership model

We all know that choosing the perfect investment and getting the timing right are both critical. What people often overlook, however, is selecting the right investment ownership model. How you own your investment – and with whom – is a decision you'll want to nail from the outset. That's because the asset ownership structure you select…

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l1st

Why is the bank saying I can't service a loan?

A question we often get goes something along the lines of: 'I make my repayments on time, and I save $1,000 per month, why is the bank saying I can’t service a loan?' Here's how banks conduct loan serviceability. When a bank calculates loan serviceability, they are essentially evaluating your ability to pay back a…

22 0
l1st

Don't get outfoxed: a quick guide to property valuations

Information is power. Knowing how much a property is worth can help you secure a great price during negotiations. Whether you're a buyer or a seller, having an accurate property valuation conducted can give you the confidence you need to close the deal in your favour. And it doesn't matter if you've had one conducted…

25 0
l1st

More carrot, less stick: Comprehensive Credit Reporting

Many people only pay their bills on time to avoid being slugged with late fees and a bad credit rating. But a big change this month means that you can now be rewarded for timely repayments. From mid-September, ANZ, NAB, Westpac and CBA all agreed to commence Comprehensive Credit Reporting (CCR). It's seen as a…

20 0
l1st

The importance of a will and a power of attorney

It's a morbid thought that many of us tend to shy away from, but end-of-life financial planning is a crucial stage in any wealth-building plan. One day down the track you'll no longer be around to make the most of the property portfolio you've worked so hard to build. It's an unfortunate, but certain, fact…

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