Are you finding that feeling burnout is now becoming part of your work schedule? If both your first and last task of the day is to check your emails, you’re not alone. Contemporary work culture, spurred on by advances in technology, has meant that we are expected to always be “on”. Gone are the days of the 9-5. Many of us work at all hours, possibly even holding down side gigs, and that’s before we take into account the labour we perform in other areas of our lives with emails on our phones, clients having your personal number and going above and beyond at the cost of your own health.
Most Australian’s want to know where is the best place to stash your money for a rainy day, a holiday or to have extra income when needed and it’s becoming a bit harder with all the volatility in share markets and property. It’s also become more urgent if you are expecting a handy tax return.
For the first time in years, the planets seem to be aligning for homebuyers and property investors. Interest rates are falling, property prices largely appear to be stabilising and constraints on bank mortgage lending have been relaxed.
It’s welcome news for first homebuyers and anyone who has been waiting on the sidelines for a signal that the downturn in house prices could be at or near the bottom in key markets such as Melbourne and Sydney.
As is always the case though with the national housing market, the full story is more than a tale of two cities.
Sure, tightened lending means home loans are becoming harder for some to get, but it’s not all bad news for Property Buyers.
That’s because there’s also reduced competition from investors, housing prices are falling, and clearance rates are too, making it much more of a buyer’s market than in years gone by.
So let’s take a look at a few simple steps you can take to improve your chances of obtaining finance in the tighter lending environment. Armed with these tips you could be better equipped to take advantage of the weakened housing market.
ETF’s? Managed Funds? Direct Shares? Hybrid Funds? Corporate bonds? What does it all mean? There are a number of investments available to everyday Australians, however trying to figure out what is right for you and your investment goals becomes a challenge if you don’t know all your options. In this article we focus on alternative investments to your traditional options such as cash and Property.
The EOFY period isn’t really a time most people relish, but it does offer an excellent opportunity to review your income and finances to possibly free up funds for more important and enjoyable pursuits through any credits or tax savings.
Below we’ll show you, in 5 easy steps, how to streamline the income tax return process and possibly free up funds for the more important things in this great Australian life.