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So when is the best time to buy?

It’s a well-accepted theory that buyers shop in spring right through to Easter – and then the cooler months in Melbourne take hold and buyers slow down – but is this really what happens? The correct answer is that the season is only one tiny factor in what dictates property buyer and vendor behaviour. Economic outlook, suburb, location, go...

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Property — Everyone is an Expert

You have just been off to see your GP who diagnosed a problem, so you’ve being referred to a specialist who’s going to help you.  You agree without any hesitation as you want to get back to full health. You tell a few people about your situation and they provide support and the odd person some advice, but you know inside you are going to li...

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RBA Rates Decision – February 2011

As unanimously tipped by all forecasters and commentators, the RBA chose to leave the official cash rate on hold this month at 4.75%. Although the majority of sentiment is that the cash rate will move higher over the coming year, if our economy and the global economic recovery continue to build momentum. The consensus on the flood in Queensland ...

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Why is Money Planning Important?

Imagine for a moment that you have decided that you want a new Home. However, to this point you haven’t thought about what you want the home to look like, how many bedrooms, living areas, or outdoor spaces it should have, how much it might cost, or how you are going to pay for it. How likely do you think it is that you will get what you want w...

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A Million Dollar Plus Call

You’ve talked about it, but you are just unsure about what's the right decision? For some it’s do we: 1. Buy another investment Property 2. Hold the existing home and turn it into an investment property and buy the new home 3. Sell existing property to buy an upsize property or reduce debt 4. Sell our current home and investment...

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Can we Predict the Future?

It’s crazy to think that anyone can predict the future, but plenty of people are paid good money to try: Economists, Weather Forecasters, Fortune tellers, Treasury, Technology companies, etc. Even though no one can predict the road ahead, it’s absolutely vital that we pay attention to what lies ahead of us. If we look at the future from a pe...

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RBA Cash Rate & Property Outloook for 2011

For those not in the know, the RBA board does not meet in January, so the first cash rate decision will be at 2.30pm on Tuesday 1st February, 2011. In terms of the cash rate forecasts, there is a real mixed bag out there in terms of predictions of where the cash rate might be between now and the end of 2011. There is very little, if any support ...

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Credit Card & Refinancing Debt

Ok, so the festive season has passed and the credit card and bank statements are starting to hit the inbox or the letter box for us old timers.  A good festive season was had by all on the plastic, but now’s the time to find the cash flow to pay it off to ensure the interest we pay remains the lowest possible. Other than a short term fix of s...

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New Finance Licensing Laws

In an effort to better regulate lending in this country the Federal Government introduced new legislation known as the National Consumer Credit Protection Amendment Act 2010.  This new legislation is designed to make borrowing money safer for consumers, through the implementation of new safeguards for borrowers.  Prior to this new legislation, ea...

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