Interest rates are at historic low levels but how do you know if you’ve got the lowest rate? Firstly, it’s important you know most banks have “under the counter” rates that are lower than the advertised interest rate. Whether you have a home loan, investment loan or business loan, you should always try to negotiate […]

Cash is the oxygen that fuels every part of a business’s day-to-day operations. If your business does not have cash in the bank, you can’t pay your expenses.  And if you can’t pay your expenses, you’re not in business. Incorporating good daily habits for healthy cash flow will boost your organisation’s cash flow performance.  So, here […]

While home owners can use the equity in their existing homes for a deposit, how do first time buyers get into the property market? Many first time buyers are earning enough to borrow money but only have a low deposit to enter the property market. On average, a $500,000 property requires a 20% deposit of […]

It’s that time of year again when your Christmas credit card bills turn up. You can consolidate your credit cards but need to be careful. You might end up paying more in the long run and reduce the equity in your home. What is debt consolidation? Debt consolidation is where you transfer your credit card […]

During 2017 the RBA has not change their interest rate settings. So what’s in store in 2018? If you believe the financial markets, the RBA will do more of the same for much of 2018, and perhaps further into the future. A recent article in the SMH says in September the financial market was betting that official interest rates […]