Elisha Salkeld | Finance

Elisha Salkeld

Phone: +61 410 335 429

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22.01.2022 Work Heart ... Not Hard. Great things happen to those that put their heart into everything they do. Luckily I am now doing something that I love . #robinaagents #elishasalkeldagent #ljh #realestatewithheart #goldcoast

22.01.2022 Very Real Estate photo taken check Getting super organised for my exciting new career leap! Can not wait to dive into this wonderful world of meeting people, seeing lots of different houses & of course changing peoples lives #elishasalkeldproperty #robinaagent #ljhookerrobina #robina #realestate

21.01.2022 Real Estate Training by Brisbane River It’s a beautiful day to be loving what you do! @ BRISBANE POWERHOUSE

20.01.2022 When you need a little single serve to make your life as sweet as possible Chocolate is always the answer. Let me know if you prefer vanilla and that will be the next recipe Single serve Chocolate Cakes 3 tbls all-purpose flour... 3 tbls sugar 2 tbsp unsweetened cocoa 1/4 tdp bakjng powder 3 tbsp milk 3 tbsp vegetable oil tsp vanilla extract Pinch of salt * can also add choc chips or nuts * Mix all dry ingredients into a cup or small bowl Mix wet ingredients together and then mix into the dry ingredients Microwave on high for 90 seconds on high. Do not overcook or will become dry. #robinaagents #robina #elishasalkeldagent #ljh #realtyfoodie

18.01.2022 I love Goals; Lists; Schedules and anything else that organises my life and my families life. I have my own personal property goals for this year... Such as declutter and reorganise some areas of the house, get a second opinion on our current mortgage and set up a planned savings for our next house deposit. What are your family goals for your current or next house? #elishasalkeldproperty #ljh #robinaagent #realestate #propertygoals

18.01.2022 Do you know someone looking to sell their home in the near future? Then tag them in this post immediately or refer them to me Not only will they get a holiday if they list with me for Sale... ...But so will you !!! I absolutely L O V E that we have the opportunity to give this gift away ... It’s such a wonderful thing to be able to provide amazing service, flawless $0 upfront marketing and a premium price on their home... but to be able to send them on a holiday as well That is just such a wonderful opportunity we have been presented with #elishasalkeldproperty #elishasalkeldagent #ljhookerrobina #ljh #lovewhatido @ Gold Coast, Queensland

17.01.2022 Strong Coffee + Strong Goals! Let’s go Monday #robinaagents #ljhrobina #elishasalkeldagent #elishasalkeldproperty #coffeelover

17.01.2022 Popped in to visit @belwalkerrealestate at an open home in Bonogin! Hookers are out in force today #leapettettteam #ljhookerrobina #gcopenhomes #elishasalkeldagent #robinasgent

15.01.2022 VALENTINE'S DAY GIVEAWAY!! We have your date night plans sorted! WIN Dinner for Two at Spaghetti & Jazz this Valentine’s Day! ... TO ENTER: 1. Like our page 2. Like this post 3. Tag your date! Enter as many times as you like! Winner will be announced Wednesday the 12th of February! ** Entries close Tuesday the 11th of February. Dinner for 2 is to the value of $100. Extra entry opportunities on our Instagram page and at Lea Pettett - LJ Hooker Robina

14.01.2022 Giving Away the Big Bikkies! I would so Love to give this $500 to someone or lots of someones, or lots of $500's to the same someone So if you know anyone, anywhere on the Gold Coast and surrounds that are thinking of selling, let me know and if they sell with me you will get the $500!!

14.01.2022 With the latest interest rate cut we are so excited to be giving people an awesome new rate with amazing conditions #coastandcountrygc #elishamortgagebroker #mortgagebroker #helpingothers

14.01.2022 Happy Australia Day We hope you are having a wonderful long weekend! We are available right through so if you need us, don’t hesitate to call! Even just to say G’Day ! Lea: 0431 008 844... Elisha: 0410 335 429 Bree: 0488 568 780 #ljhookerrobina #happyaustraliaday #ausday #robinaagents #robinarealestateagent See more

13.01.2022 Let's Bust some Money Myths. Making the most of your money often requires common sense more than a commerce degree. Lets take a look at five misconceptions abo...ut money that could be holding you back from greater financial freedom. 1) I DON'T EARN ENOUGH TO SAVE A lack of savings generally has less to do with how much you earn and more to do with how much you spend. Cutting out even small discretionary spends can reap big rewards. Take-away coffee every day at work - around $820 per year. Buying lunch three days a week - more than $1,000 a year. Tuckshop once a week for the kids - more than $250 a year Often we don't save because we think we need to sock away $50 or $100 at a time - and then give up when we discover we don't have that much left over. But you can start smaller - much smaller. If you saved $1 a day from age 18 to 65, with compound interest paid at six per cent, you would eventually haul around $96,000. Five dollars a day would eventually turn into close to $480,000. Compound interest is where interest is paid on the interest already earned. This powerful concept - and patience - is the key to accumulating savings over time. 2) A SALE IS A CHANCE TO SAVE A sale is actually a chance to shop, and probably spend either more than you intend or more than you can afford. Of course you will spend less on an item if you wait for it to go on sale. The problem is many of us discard our shopping list or exceed our budget when faced with a bargain. We focus on how much we could save, not how much we are about to spend. One way to take advantage of a sale without being distracted by impulse buys is to shop online where it's easier to look for the best price, make a bee-line for your item and bypass the temptation of other mark-downs. Or if you are hitting the stores, make sure you keep focused on what it is you are looking for and try not to get distracted. 3) MY HOME WILL FINANCE MY RETIREMENT If you live in a multi-million dollar home then you might be right. Many of us, however, could be struggling to even pay off our homes by retirement. There is a growing concern among financial experts that many baby boomers will be looking to their superannuation to pay off their mortgages, unlike previous generations who aimed to be without debt by the time they tossed in the work towel. Instead of paying off the family home, many Australians have been dipping into their home equity to fund their lifestyles, with a view to using their super lump sums to clear the debt. That strategy is likely to push more seniors onto the age pension earlier. At a maximum of about $32,000 per year for a couple, today's pension falls well short of the estimated $56,000 spend per year for a couple's comfortable retirement, according to the Association of Superannuation Funds of Australia. Fast-forward 20 years and that gap is only likely to widen due to the number of retirees outstripping tax-paying workers to fund the social security system. Even if you do pay off your home ahead of retirement and then downsize, the sale proceeds will probably not be adequate to keep you in the style to which you are accustomed. Generally, you need about 60 to 70 per cent of your pre-retirement annual income for a comfortable lifestyle. The best way to prepare for retirement is to sock more into super and establish some long-term investments, such as additional property or blue-chip shares. Speak with a financial advisor about the best strategies for your circumstances. 4) MY BANK WOULD ONLY EVER GIVE ME A CARD LIMIT I CAN AFFORD When lenders assess how much credit card debt you can handle, they really are stretching things to the limit. They're not considering your real-life financial responsibilities and discretionary spending. And they are counting on you covering just the minimum repayment each month, so you take as long as possible to clear the debt and pay as much interest as possible. Regardless of what a lender says you can afford, you need to do the sums yourself. Take out a smaller limit than what's on offer and make sure you pay off your card each month. If unable to clear the balance each month, always make higher payments than the minimum to pay the debt off as quickly as possible. If you are already at your limit, look to switch the balance to a low-interest card. The key is to cancel your old card once the balance is transferred and to keep making repayments at the same previous rate, so you clear the debt quicker. You can also take advantage of low-interest introductory offers for a short period to really get ahead of the debt curve. 5) I'M BETTER OFF RENTING AND PUTTING MY MONEY INTO SHARES With house prices climbing beyond the grasp of many first-time buyers, it's not surprising some are tempted to give up their pursuit of property to invest in shares. Financially, there may not be anything wrong with that strategy. Property and the share market are both long-term investments averaging similar capital growth over 10 years, with fluctuations along the way. One advantage of home ownership, however, is that paying down a mortgage becomes a form of forced savings, with your property growing in value over the long term during those years. If renting, you need to be fairly disciplined to regularly invest a portion of your disposable income. This is where the best intentions can unravel and why, over the long term, home ownership might be the best investment. If things remain the same as they are today, there is no capital gains tax on your owner-occupied home when you later decide to sell. Everyone's circumstances are different so make sure you get expert financial advice before deciding on which investments are best for you. Tax information: the information contained in this article does not constitute advice. As taxation legislation is complex, we recommend you speak with your financial advisor, tax advisor or contact the ATO for further details and expert advice in relation to your personal circumstances.

13.01.2022 Today, the RBA announced an out-of-cycle emergency rate cut to help the Australian economy withstand the impact of COVID-19. As you're probably aware, lenders review rates independently of the RBA and some may decide to pass this rate cut on to customers at different levels over varying time frames. I can help you secure the right deal for your circumstances from a wide panel of lenders offering home loans with great features, low fees and competitive interest rates.

13.01.2022 My 1st Attempt at a Pavlova Platter Happy Australia Day Channelling my inner Nigella #pavlovaplatter #pavlova #robinaagents #elishasalkeldproperty #elishasalkeldagent #ljhookerrobina

11.01.2022 Being out and about so much as agents gives us so many opportunities to be near so many different people. Today I was able to help someone who needed it and I think it made my day more than hers #robinaagents #elishasalkeldagent #ljh #goldcoast #kindnessmatters

11.01.2022 14 Hours That was my work day yesterday Because I am following my dream And that takes hard work, especially at the very beginning. I am working my old job, to get everything ready & organised to sadly hand back to them and I am working my new job to get started and underway as quickly as possible. But this means I am working 70+ hours a week at the moment to do it. it will all be worth it Dreams don’t work if you don’t #robinaagents #elishasalkeldagent #ljhrobina #goldcoast #workhardstayhumble

11.01.2022 Do you know your numbers?

10.01.2022 Did you enter our Valentines Day Giveaway? Stay tuned, we are announcing the winner of our @spaghettiandjazz voucher very shortly! Thank you to everyone who entered. Good Luck! #realestate #valentinesday #giveaway #elishasalkeldagent #robinaagents

08.01.2022 sssshhhhh something exciting is coming soon Watch this water #robinaagents #holidaylove #elishasalkeldagent #elishasalkeldproperty #ljhookerrobina

07.01.2022 Tag your favourite Gold Coast coffee shops so I can espresso myself at places I haven’t tried yet I love a double shot short macchiato and I love trying new cafes. #robinaagents #elishasalkeldagent #elishasalkeldproperty #goldcoastcafes #goldcoastfood

07.01.2022 Y U M M Y!!! Jam-filled cookies that will melt your heart and your resolve as they beckon with buttery vanilla goodness. CALS/SERVE: 137 MAKES: 2 dozen... PREP TIME: 40 mins COOK TIME: 15 mins TOTAL TIME: 55 mins INGREDIENTS 2 cups All-purpose flour 1/4 tsp. salt 1 cup unsalted butter 3/4 cup confectioners' sugar 2 tsp. vanilla extract Confectioners' sugar, for decoration 1/2 cup seedless raspberry jam DIRECTIONS 1. In a small bowl, combine flour and salt. In a large bowl, with electric mixer on medium-high speed, beat butter and confectioners' sugar until light and fluffy, about 3 minutes. Beat in the vanilla. On low speed, beat in flour mixture just until blended. Shape dough into 2 large disks; wrap in plastic wrap and refrigerate until firm, at least 2 hours or overnight. 2. Preheat the oven to 180 degrees. Line 2 large cookie sheets with baking paper. Between 2 sheets of floured wax paper, roll 1 disk 18-inch thick. With floured 3-inch heart-shape cookie cutter, cut out cookies. Cut out centres of half cookies with floured 1 12-inch heart-shape cookie cutter. Slide cookies on wax paper to another large cookie sheet and refrigerate about 15 minutes, or until firm. 3. Remove heart-shape centres from cookies; place cookies on prepared sheets, 1 inch apart. Bake 13 to 15 minutes, or until edges are lightly golden. Cool on parchment paper on wire racks. Repeat with remaining dough, rerolling scraps. 4. Sift confectioners' sugar over cookies with cut-out centres. Spread 1 teaspoon jam on each plain cookie; top with remaining cookies to form sandwiches. #cookies #robinaagents #robinarealestateagent #ljhookerrobina #elishasalkeldagent #elishasalkeldproperty @ Gold Coast, Queensland

06.01.2022 The Property Market for 2020 is starting off Hot Hot Hot! #elishasalkeldproperty #robina #goldcoastproperty #realestate #ljh

03.01.2022 Congratulations to Maddi Munro!! Enjoy your gorgeous dinner for two. And everyone that didn’t win, stayed tuned for March’s Giveaway It’s a doozy

03.01.2022 Yay Robina!!! The most sales in houses and units in the area! What a great area to buy and sell! #robinaagents #elishasalkeldagent #ljh #robinamarketupdate #goldcoast

01.01.2022 Happy V Day to all my beautiful friends & clients Today my Love is poured into loving what I do #elishasalkeldagent #vday #ljhookerrobina #robinaagent #lovemyjob

01.01.2022 Coffee + Planning = Progress! After helping this morning with a couple of open homes for the amazing @lea_pettett_ljhooker ... I am now in the office and driven by lists and caffeine So much amazing marketing happening! So excited #elishasalkeldproperty #robinarealestateagent #ljhookerrobina #lists #progressnotperfection