How to refinance to renovate?

Refinancing your assets to renovate a property is a significant decision that will hopefully improve your standard of living or add substantial value to your property. Refinancing isn’t as...

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Are young investors wasting their youth?

It was George Bernard Shaw who coined the phrase ‘youth is wasted on the young’. In Australia today, it seems the young may be wasting their investing youth. The great advantage the young...

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You might be surprised at what really drives interest rates

The Reserve Bank of Australia (RBA) and the major trading banks may play the most visible role in setting interest rates, but in many cases they are being reactive rather than proactive. A wide range...

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The financial impacts of moving into a Granny Flat

There are several choices of accommodation older Australians may consider when they can no longer live in their own home. One option is living with a family member or friend. This arrangement – if...

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Renovating? Be careful not to over-capitalise.

Perhaps due to the popularity of do-it-yourself (DIY) television programs, home renovations are big business. The rewards are there, but watch out for the hidden costs – and we’re not talking...

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When Would I Refinance My Mortgage?

Heard about mortgage refinancing? In the past, most people who took out a mortgage doggedly continued with it until they had paid it off. These days, people refinance their mortgage much more...

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Salary sacrifice vs personal contributions to super

The upshot is that, if you are an employee, there are now two ways in which you can optimise the tax-effectiveness of your additional super contributions: opt for a salary sacrifice arrangement,...

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Why currency matters to Aussie investors

There is nothing like an overseas holiday to remind you of the power of currency movements to either help or hinder your financial position. A recent sojourn to Europe reaped a modest benefit from...

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Investors acting their age

Young investors can fall into the trap of being too conservative for their own good, forfeiting compounding long-term returns from growth assets. This can lead to the question: How do we tend to...

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Should you downsize?

By the time you are considering retirement, it is likely that you will have substantial equity in your home. You may even own your house outright. Selling the family home is one way to free up cash...

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