Australia’s Help to Buy Scheme: Is It the Right Path to Home Ownership?

  • A Listener Asked: Why Shares Over Property

    Podcast

    Property or shares, which makes the better long-term investment? In this episode , Rob Goudie and Amy Lehmann respond to a listener’s question about why Rob generally prefers investing in…

  • Why your borrowing capacity can change even if your income hasn’t

    Updated on Budgeting

    It’s been a while since you last had a salary increase, so the amount you could borrow as a home loan is the same as last time you checked, right?

    Wrong.

    Your salary is only one of the factors that can affect your borrowing capacity. There are many others, relating to changes in the economic and regulatory environment, adjustments in lenders’ loan assessment criteria, and changes in your personal financial circumstances unconnected to your earnings.

    Here are some of the main reasons your borrowing power can change.

  • Property vs Shares: Which Is the Better Long-Term Investment? 

    Investing

    Budgeting can be hard enough for those in regular employment, who need to cover today’s bills as well as, hopefully, tomorrow’s emergency savings and investment in their future. But if you’re a self-employed sole trader, you have three more financial headaches to add to the list: setting aside correct amounts to pay the ATO, covering your own super contributions, and dealing with periods when there is no income flowing in. It can seem like a formidable task, but with the right advice, you can create a budget that will help you to navigate this potential minefield.

  • Budgeting on an irregular income: A guide for sole-trader contractors and freelancers

    Updated on Budgeting, Investing

    Budgeting can be hard enough for those in regular employment, who need to cover today’s bills as well as, hopefully, tomorrow’s emergency savings and investment in their future. But if you’re a self-employed sole trader, you have three more financial headaches to add to the list: setting aside correct amounts to pay the ATO, covering your own super contributions, and dealing with periods when there is no income flowing in. It can seem like a formidable task, but with the right advice, you can create a budget that will help you to navigate this potential minefield.

  • When good money doesn’t mean financial security

    Budgeting, Investing

    Not so long ago, a six-figure salary was considered a solid income. But you didn’t suddenly become extravagant, so why are you now feeling like you need to tighten your belt? You’re not imagining that growing sense of financial unease, nor are you alone. Chances are you’re experiencing what’s become known as the “middle-class squeeze.”

  • How many bank accounts should you really have?

    Updated on Investing

    There’s no such thing as a perfect number of bank accounts that will suit everyone. But there are good reasons for avoiding the extremes of having only one account struggling to cover all your needs and goals, or on the other hand, having a large and confusing mix of accounts with different banks, some of which you’ve simply forgotten to close.

  • Deb, 56 – 65 years, Hopetoun, VIC

    Testimonials

    “Rachael was friendly, knowledgeable, well informed and gave concise clear advice She has a warm and personable demeanour and gave me exactly the information I needed I was extremely happy…

  • Sean, 46 – 55 years, Everton Hills, QLD

    Testimonials

    “Meeting with Rachael today was a comforting experience for my wife and I. Her approachable manner, attention to detail, and expertise in retirement planning immediately put us at ease. She…

  • Colin, 65+ years, Edenhope, VIC

    Testimonials

    “Rachel is absolutely wonderful to interact and deal with, Rachel charismatic personality enveloped straight away, and her caring nature continues through out. Rachel was always genuinely interested in us both…

  • Jenny, 65+ years, Apollo Bay, VIC

    Testimonials

    “We are so very impressed with the service Ashley offered my parents regarding Aged Care advice. His empathy and kindness towards my parents during conversations regarding aged care planning put…

  • Anthony, 46 – 55 years, Horsham, VIC

    Testimonials

    “Ashley was great to deal with. We were very impressed by his knowledge, professionalism and integrity. Even though it would have been evident to Ashley at the start that his…

  • Julie, 65+ years, Beachport, SA

    Testimonials

    “Ashley was very helpful in my retirement and set up my fund through net wealth. He drew up a plan budget and explained all about the shares port folio. He…

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