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In today’s economic climate, grocery shopping can be one of the most stressful aspects of household management, with bills ranging from $78 to $210 weekly. A key factor contributing to high grocery bills is the clever promotional tacticssupermarkets employ. According to Professor Nitika Garg from the University of New South Wales’ School of Marketing, understanding these tactics is crucial to

LMI a great option for first home buyers LENDERS MORTGAGE INSURANCE company Helia has released its 2023Home Buyer Sentiment Report, which reveals the stark truth about the challenges first home buyers face when purchasing property. The report found that 78% of first home buyers are finding it difficult to save for a deposit, which impacts their path towardshomeownership. “This is

As the financial year approaches, the June 1 HECS-HELP indexation deadline nears, impacting the student loans of 2.95 million Australians. Early data suggests an increase of 4.2% to 4.8%, potentially adding up to $1,272 to the average studentdebt of $26,494. Since 2005, student loan debt in Australia has surged from $12.4 billion to $78 billion. The repayment period now stretches

HECS and Home Buying – Understanding Your Options. When you’re in the market for a new home, deciding whether to pay off your HECS debt or boost your down payment is crucial. There are several strategiesto consider. Impact on Borrowing Capacity Take, for instance, an income of $110,000. HECS deductions amount to $7,700 annually from your net income, which can

Diving into property investment is exhilarating yet daunting, offering significant return potentials. Here’s a guide to avoid common mistakes in your first investment property purchase: Managing Cash Flow Effectively: Understand Initial Costs: Know the expenses involved in property buying, like stamp duty, legal fees, and inspection costs.Anticipate Ongoing Expenses: Remember, owning a property involves continual costs such as council rates,

As the trend of self-managed superannuation funds (SMSF) gains momentum, many are seizing the opportunity to take charge of their investment decisions. Particularly, SMSF lending has emerged as a popular choice, offeringsignificant control and flexibility. Here’s why: Available Lending Options: Residential Lending: Up to 80% loan-to-value ratio.Commercial Lending: Up to 70% loan-to-value ratio.Pre-Approval Options: Some lenders offer pre-approval even before

What is it about our great country that makes us so proud, and the previous generations went to war to keep free ? My Country The love of field and coppice,Of green and shaded lanes.Of ordered woods and gardensIs running in your veins,Strong love of grey-blue distanceBrown streams and soft dim skiesI know but cannot share it,My love is otherwise.

The landscape of fixed-rate home loans in Australia has shifted significantly, reflecting a departure from the sub-2% rates previously available. Specifically, the current lowest fixed rates offered start at 5.79%, and for those considering loans from the major banks (commonly referred to as the Big Four), the rates begin at 6.49%. This upsurge in rates underscores the need for potential

Finding Your Dream Home: A Smart Buyer’s Checklist Discovering your dream home can be exhilarating but remember ” it’s a major financial commitment. To help you make a grounded decision, we’ve summarized key considerations: Budgeting & Affordability 💰 Ensure the property fits within your budget. Remember, aside from the purchase price, there are ongoing costs like council rates, strata fees,

Australia takes her pen in hand,To write a line to you, Tolet you fellows understand,How proud we are of you. From shearing shed and cattle run,From Broome to Hobsons Bay,Each native-born Australian son,Stands straighter up today. The man who used to “hump his drum”,On far-out Queensland runs,Is fighting side by side with someTasmanian farmer’s sons. The fisher-boys dropped sail and

Lieutenant General Sir Leslie James Morshead was a distinguished Australian military commander renowned for his leadership during World War II, particularly in the Middle East and New Guinea campaigns. Born in 1889 in Ballarat, Victoria,Morshead’s military and leadership qualities shone brightly across both world wars, earning him a reputation as a resilient and effective leader. Early Life and Education: Morshead