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April 2017

April 2017

Did you know that the share market has produced a 20% return in the last 12 months? It has – seeming without too many people noticing. You can read all about it in our April newsletter, which also contains an update on the residential property market and three separate articles on different aspects of debt and its effective management.

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Financial Planning for Doctors

Financial Planning for Doctors

Please enjoy reading our new ebook written exclusively for doctors. The economics of medicine mean that doctors, more than any other professionals, need to think differently about their financial management. This book shows you how best to approach finances to maximise not only your financial satisfaction, but your personal and professional satisfaction as well.

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Positive Gearing. What is it, how does it happen and do you want it anyway

Positive Gearing. What is it, how does it happen and do you want it anyway

In property investing positive gearing is where the rent received exceeds the interest on money borrowed to finance the purchase. You often hear about positive gearing – especially from people with a property they want you to buy! But is positive cash flow property actually worth pursuing? The answer depends on what is creating the positive cash flow situation. Sometimes, these factors combine to make positive gearing a wonderful way to reduce risk. But at other times, the factors creating the positive gearing can make an investment very risky indeed. This article shows you how to tell the difference.

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Borrowing to pay super contributions

Borrowing to pay super contributions

Super contributions are a legitimate expense of a business. As long as the business uses a company structure, it can even borrow to make contributions on behalf of all of the staff – including the company directors. This can create a nice little tax saving that might not otherwise be possible.

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Debt and Debt Management

Debt and Debt Management

Debt and its effective management can make all the difference to your financial wellbeing. Almost nobody can get ahead financially without using some debt – even if it is simply a home mortgage that lets you buy the all-important family home. But not all debt is the same. And just as the right kind of debt can make a huge positive difference to your finances, so the wrong kind of debt can be a true millstone around your neck.

This month, we have published a comprehensive ebook on debt and how to manage it as effectively as possible. The ebook shows you how to get the most out of debt while avoiding the common (and not so common) pitfalls that can trip up unwary borrowers. So please read on, and, as always, feel free to get in touch with us to discuss any aspect of your financial management. We would love to hear from you.

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Tax deductible debt

Tax deductible debt

Did you know you can pay the same rate of interest to a bank – but that the actual cost to you of that debt will differ depending on whether the interest is deductible or not? This makes managing debts for tax effectiveness one of the most useful things any business owner or investor can do. This is a simple idea but it is important that you get the detail right. So, please read on and don’t hesitate to contact us if you would like to hear how you can take advantage of this simple mathematical truth.

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March 2017

March 2017

Welcome to our second newsletter for 2017! This newsletter contains our blog articles from February, plus the all-important market update for the two main investment asset classes: residential property and the Australian share market. As ever, please feel free to send this newsletter to anyone you think would find it useful – and get in touch with us yourself if there is something you would like to discuss.

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A home for every child

A home for every child

If you already own a home, then the last 20 years have been wonderful. For you. But what about your kids? Around Australia, house prices have risen by more than 500% in the last 20 years. How will your kids be able to buy their home? Here is one simple solution.

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