With interest rates at historic lows and more talk of further interest rate cuts, many clients are wondering if they should fix their interest rate. Less flexibility It is important to note that fixed interest rates have less flexibility than variable rates. That is, if you break a fixed rate loan, you could be up …
I’m often asked by clients whether they should pay for their car using cash savings or fund it via a lease. One theory suggests that you should not use debt to fund personal-use (depreciating) assets. This relates to the good-debt versus bad-debt principal. That is, if you use debt to purchase a depreciating asset you …
Click here to download a printable PDF The location of your “great Australian dream” can dramatically alter your wealth building activities and as such, you must take this into account when developing your investment strategy. Homes are typically not purchased with the sole or dominant reason of building wealth as there are many non-financial, lifestyle …
Below is a recording of a webinar hosted by Stuart Wemyss on 19/10/2015. During this 40-minute webinar Stuart discusses the process you can use to develop your own investment strategy and shares 6 real-life client case studies. the 3 key steps to developing a strategy – you must nail these whether your should repay your …
Click here to download a printable PDF Have you ever met a tradesman that has many unfinished projects at home? They have all the knowledge, experience and tools to do this work themselves but fail to do so. Isn’t it ironic how these tradesmen will make improvements to a customer’s home but not their own? …
Click here to download a printable version. Your home can end up being one of the best investments you make. Firstly, it’s probably the only tax-free investment opportunity you will ever get (i.e. nil CGT). Secondly, if you buy good quality property (home) and it appreciates in value, you can use the equity in your …
Click here to download a printable version Tips, tools and strategies to help you master your cash flow management For most people it is a boring topic and they rarely spend any time on it. However, it is impossible to build wealth without a basic level of cash flow management. The simple and undeniable formula …
The below videos formed part of a webinar hosted by Stuart Wemyss on 14 July 2015 and address the following questions: Is there a property bubble? Is property overpriced? – see below How will Greece’s troubles impact the Australian property market? – click here How to avoid missing out at auction – click here Should …
Click here for a printable PDF version Over the past few weeks the banks have made some significant changes to their lending policies – probably the most significant changes in at least the last 13 years since we’ve been in business. The aim of these changes is to temper the demand for housing by investors. …
Click here for a printable version Charlie Sheen’s character in the movie Wall Street (1987), Bud Fox, said “Life all comes down to a few moments. This is one of them”. History has shown us that just one good or bad decision can change the course of someone’s life. I have ponded if this statement …
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