Switching Home Loans

Switching home loans can help you save thousands of dollars in interest. It can also enable you to take advantage of the features offered by another loan. Dwell on important considerations and decide if the benefits of switching are worth the cost. Shop around Determine what loans are being offered

Handling an Increase in your Home Loan Interest Rate

Interest rates may rise and fall over time. With each change in the interest rates, your home loan repayments are affected. So, what if interest rates rise and you are not prepared? What strategies can you do to keep yourself afloat? Here are some tips in handling an increase in

Are You Better Off Renting or Buying Your Own Home?

Noticed that your landlord keeps putting your rent up? Have you heard how interest rates are so low nowadays? You might consider moving from renting to buying your own home. But before making this huge step, there are things that you must consider deeply. You may have enough savings for

Car Loan Interest Rates and Stuff You Need to Know

So, you’ve decided that now is the best time for a new car. However, as you are preparing for your car financing, you’ve encountered the term “car loan interest rates” and got dumbfounded with it. What is a car loan interest rate and how does it affect your car loan? Interest

How Much does Buying a Home Cost?

First time home buyers are usually excited and enthusiastic with the prospect of purchasing a property of their own. And because of too much excitement, they tend to underestimate how much buying a home costs or they forget to take into account some important costs aside from the home buying

How to Optimise Your Tax Refunds

Receiving tax refunds is a great help with your annual budget. This would mean having extra cash that can be used. You might think of using this for a planned vacation with your family or spend it to purchase that car or appliance you’ve been dreaming of. You may use

When is the Best Time for a New Car?

You’ve been dreaming of this for some time now. You’ve even made your research on which make and model to settle on. Yes, you feel you are ready to buy your new car. But wait! There is a chance that you will be buying a car at the least favourable

Buying Property with a Buddy

Even when there is limitation to funds, there are many options for an average Australian to become a property owner or investor. One of these options is co-ownership. Co-ownership occurs when a property was bought with a partner and the two incomes were used to meet the affordability and loan serviceability criteria. Each

How Big Should Your Nest Egg Be?

Size definitely matters when it comes to superannuation if you want to be financially secure when you retire. Hence you have to know how much money you’ll need when you stop working and to ensure that your employer as well as your own contributions are enough to compensate that goal. The amount

Money-Smarts for Bigger Savings

Making small changes in your lifestyle can help boost your savings and manage your budget. Here are some money-smarts for bigger savings and better budget. Save on Groceries Try these useful tips on your next trip at the supermarket: Make a list and stick with what’s written on it. This

Manage your Investments in 5 Easy Steps

Now that we are starting a new financial year, it is the best time for us to know strategies on how we could help to manage our investments. The five steps listed below can help you not only to increase your investment profit but to protect it as well: Step

Protect your Earnings and Reap the Tax Benefits

Your most important asset is your capacity to work and generate an income. If you are unable to work due to sickness or injury, how would you continue to meet your financial obligations and continue your present lifestyle? Being unable to work due to sickness or injury is a very

By 2054, Expect to See 40,000 Australians Aged Over 100

Changes in Australia’s Population are Foreseen, How does this Affect You? In March, Treasurer of the Commonwealth of Australia, J. B. Hockey, published “The Intergenerational Report (IR)” which highlighted some significant – yet alarming – research & projections of changes in Australian demographics. Over the coming 40 years, Australia’s population is expected

The Emotional Roller Coaster of First Home Buying

Buying your first property can be a very emotional experience. Some even describe it as a roller coaster, with peaks and troughs that can be blissful and exciting in one process then unnerving and very stressful in the next. Let us go through the ups,  downs and loopholes of first home

Dealing with Property Buying

Buying a property can be stressful and nerve-wracking, especially if it is your first time to do so. Some even say that property buying can be an emotional rollercoaster. Hence, it will be very beneficial to know some strategies that can help you deal with property buying. Here are seven tactics