Hartley Financial in Picton, New South Wales | Financial service

Hartley Financial

Locality: Picton, New South Wales

Phone: +61 1300 554 477

Address: Shop 2, 139 Argyle Street 2571 Picton, NSW, Australia

Website: http://www.hartleyfinancial.com/

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25.01.2022 Easter is just around the corner, and the long weekend is a great opportunity to take a well-earned break, relax and catch up with family and friends. But while it takes five minutes to consume a 120g Easter egg, it takes 80 minutes of strenuous exercise to burn the kilojoules off. https://cancerqld.org.au/blog/243281/

25.01.2022 A little planning can go a long way in the great outdoors.

24.01.2022 Are you a high income earner? Take out hospital cover with Astute Simplicity Health and avoid paying the Medicare Levy Surcharge* Contact us today or call the team on 1300 090 960 to find out more and to compare your cover.... *The Medicare Levy Surcharge is levied on Australian taxpayers who earn above the income tiers and do not hold an appropriate level of private hospital insurance. Other conditions may apply. See website for details. Health Insurance products are underwritten by St Luke’s Medical and Hospital Benefits Association ACN 009 479 618 (St.LukesHealth), a registered private health insurer, [trading as Astute Simplicity Health] and members are introduced by Astute Financial Management Pty Ltd or related entities (collectively known as Astute) for which Astute receives a commission.

24.01.2022 || REDUNDANCY || Many of you have reached out to us due to potential & actual redundancy offers. If you haven't reached out and redundancy is on the horizon, this post is for you. Firstly, it is important to talk through your goals, time to retirement plans and projected cash flows to determine if redundancy is of benefit to you. It is confronting, stressful and confusing for many people to be presented with redundancy offers, so it is very important to have some external help to ensure you look at the entire picture and the implications for you & your family. Please contact us on 1300 55 44 77 to talk through your redundancy offers.

24.01.2022 Our Top Christmas Spending Tips! 1. Establish a budget It is really important to have a budget to avoid any large blow-outs. This should not only include an allocation for gifts, but also food, beverages, decorations and all the other miscellaneous purchases associated with Christmas. 2. Start Early Starting your shopping early may mean you can take advantage of sales, such as Black Friday, which will allow you to purchase gifts at a discount. ... 3. Always comparison shop You would be surprised how much cheaper you can find the exact item you are looking for on another site/ in another store. Always look around before committing to a purchase because you never know what deals you may be missing! 4. Enjoy yourself! Although we tend to advocate for having a strong budget and sticking to your goals, this shouldn't prevail over your enjoyment. We encourage you to keep an eye on these things, whilst also ensuring you enjoy a well-deserved holiday. See more

24.01.2022 House prices are still rising despite the pandemic. Here's a few reasons that may explain the trend.

24.01.2022 All insurance policies are not created equal. Contact us today to get the cover you need.

22.01.2022 Did you know that monitoring your child’s health, growth and developmental milestones is an important indicator of future health outcomes? At Astute Simplicity Health we know it can be difficult and sometimes overwhelming to keep up to date with your child’s changing health information. That is why we are pleased to offer you Snug.... Snug Australia’s most innovative and easy to use digital health record makes it easy to keep on top of your child’s developmental milestones or when working with child health professionals. Find out more: https://www.astutesimplicityhealth.com.au/How-Snug-can-help

22.01.2022 With 2020 now in the rear vision mirror many will feel that the rule book has been thrown out the window or perhaps changed forever. Certainly we have applied different meanings to words like ‘pivot’ and ‘Corona’ (no longer just a Mexican beer or an old Toyota), seen adoption of new technologies from online meetings to fast tracking vaccine development and marvelled at how business owners have adapted, thought laterally and not only survived but in some cases flourished. But... we can’t help but be reminded of the old adage ‘if you fail to plan, you are planning to fail’ and feel it remains true today regardless of recent events. Traditionally at New Year business owners will take pause, plan strategies for the next 12 months, prepare tenders for new work contracts and look for new opportunities and plan capital expenditure needs. Australia has been less impacted by the COVID-19 pandemic than some other countries and as we start to see border restrictions relaxed so too is the stimulus being offered by Government changing. Initially in March stimulus was offered widely and (rightly so) was all about survival, maintaining jobs and cashflow. As we move into Phase 2 stimulus the support has become more about a long-term view, providing support to businesses to assist with job creation. So what does this look like, how can your business benefit, who can help you? This year more than any is a time to plan! In an economic recession a key necessity to ensure recovery is the availability of credit, and the Phase 2 stimulus is targeted to assist business get the funding they need. This support is being offered through lending institutions to business in a variety of ways, some offer cheaper rates or fee discounts, others have expanded their policies to require less security or to finance more specialised assets. As part of your planning this year engage your finance broker to explore the options available to you in the market and let’s work together to make 2021 a much better year for all.

22.01.2022 After its meeting today, the Reserve Bank of Australia has left the official cash rate unchanged at 0.25%. We’re experts in helping you find the interest rate, product, features and flexibility you need for your mortgage. With lenders offering great deals including cash rebates, now could be a great time to contact us to review your loans. If you have any concerns about your loans, or your circumstances have changed and you would like a chat, please contact us. We’re here to assist and provide any guidance we can.

21.01.2022 Today is #RUOKDay. It’s a simple question, but just asking it could lead to a conversation that changes someone’s life. Learn how to keep the conversation going at www.ruok.org.au.

20.01.2022 We are getting into the Christmas spirit a little early this year, here at Picton.

18.01.2022 House prices continue to rise and analysts say a severe shortage of homes is putting additional upward pressure on prices.

16.01.2022 "The rollout of vaccines is supporting the recovery of the global economy, although the recovery is uneven. While there are still considerable uncertainties regarding the outlook, the central case has improved. Global trade has picked up and commodity prices are mostly higher than at the start of the year. Inflation remains low and below central bank targets." https://rba.gov.au/media-releases/2021/mr-21-04.html

15.01.2022 Selling your unwanted stuff online is a great way to earn extra money and reduce waste. What have you sold online? https://www.moneymag.com.au/how-to-make-money-selling-stuff

15.01.2022 The big scary word- Recession! We are all quick to panic when we hear this word, so here are some achievable tips to keep you comfortable through this time: 1. Have a rock solid budget. - We need to ensure our budget is air tight. Perhaps you may identify areas that you can cut back your spending. *... 2. Boost your emergency fund. - If you are worried about perhaps losing a job or any other adverse financial event, it is important to have an emergency fund ready to go. This amount is up to you & your circumstances, but 3 to 6 months of your income may be a comfortable amount. * 3. Pay down debts (within reason). - Consider paying down that credit card debt or your personal loans. This is "bad" debt that may be an added burden to you in hard financial times. * 4. Consider other income earning potential. - If you lose your main income, consider a side hustle to help create another income. * 5. Be wise with your investments. - Ensure that your investments are in line with your risk profile, needs and the current economic environment. Importantly, do not panic sell! If you are worried about any of your investments please seek advice before making any major decisions. See more

14.01.2022 Happy Easter everyone.

11.01.2022 "Properties are selling faster and sales activity is much stronger this year compared to 2020 on the back of unprecedented buyer demand"

09.01.2022 Have you seen the recent car adverts promoting Guaranteed Future Value? It seems like a good idea, so what does it all mean? What should you be aware of? Simply put, this tactic attempts to leverage your fear that your new car will fall drastically in value, especially when your finance contract has a balloon payment (i.e. a large final repayment at the end of the finance contract). It also puts the dealership in a position to ‘control the second market’ by forcing you to co...me back to them for your next purchase, effectively giving you less choice and often under the guise of ‘supporting their brand’. If you are considering this type of guarantee, take time to review all your options and consider the following important points when making your decision: You may have less choice next time you want to trade this car as you must return to the same dealer. If you elect to go to another dealership, and your balloon payment is above the ‘real market value’, you may have a negative equity position and may need additional finance to assist paying the remaining debt. Dealers may seek to recover any shortfall in the ‘real value’ of the car by charging full retail price on your next purchase, accessories, finance etc. This means you may have fewer opportunities to negotiate on price as the money must come from somewhere! Generally all maintenance must be completed by the dealership’s workshop as a condition of the offer, often at a higher cost than competitors. There will be ‘return conditions’ on the contract capping kilometres travelled and allowing for only ‘fair wear and tear’ on the vehicle. Failure to comply will void the offer or may require you to pay a ‘make up payment’. There may be a ‘sunset clause’ - a date the guarantee offer must be taken up by or it will lapse. This may encourage you to consider upgrading your vehicle earlier than you would like to. Independent resources such as Red Book (www.redbook.com.au) can be used to see how specific car models depreciate over time and help ensure balloon values on finance contracts are realistic without locking into arrangements that may not suit you in the future. An experienced finance broker is well placed to assist you and will have access to a variety of finance options and structures that can be tailored to best suit your needs. So if you are considering upgrading or purchasing a car, contact us today!

08.01.2022 Many consumers are focused on building up a ‘rainy day’ savings fund in 2021. Has the pandemic affected your attitudes to an emergency fund?

07.01.2022 At its meeting today, the Reserve Bank of Australia decided to maintain the current official cash rate at 0.10%. If you're keen to review any aspect of your financial world, please contact us for an obligation free chat.

07.01.2022 For many of us, COVID-19 has meant that parts of our lives have been put on pause. As restrictions are lifted, we face more changes to our daily routines and an opening back up of our worlds. There will be some who are champing at the bit, ready to spring back into more physical connections and broadening their environments. At the other end of the spectrum, there'll be people who are quite comfortable and safe in the four walls of their home and content with their grocery ...shop as their only outing. Then there are those who are somewhere in the middle. There is no right or wrong in our responses. We all have our own personal circumstances, which includes our own unique vulnerabilities, strengths and just ways of being in the world. We should not necessarily expect that we all have the same skills and abilities to cope with the mental load of COVID-19. We will all need different things and will find some aspects harder than others. This is all perfectly normal and understandable. Mental health clinicians frequently talk about the benefits of going slowly. What we mean by this is: slow yourself down enough so you are tuned in to how you are feeling. When we know how we feel, then we can also think about what we need to manage those feelings and to ultimately cope with more change. With my own recent return to work, I was reminded of these things. I expected to be jumping for joy and race out the door. However, come time to leave the house and break my current comfortable routine, my brain decided to try and rescue me from this by asking: Is this the right time?. I then reminded myself of some handy tips: 1. When things feel uncomfortable (change) it’s normal for our brains to find a reason to avoid them, thus eliminating the initial discomfort. 2. Remind your brain of the facts, such as helpful public health messages. 3. Discomfort is normal, but it doesn’t mean the action that I am taking is wrong. So, before you press play again, remind yourself of the things above. Remember kindness to yourself and others is the key. - Contributed by Caroline Thain, Occupational Therapist, headspace Launceston Source: https://www.stlukes.com.au//Before-you-press-play-again.as

06.01.2022 HomeBuilder has provided a shot in the arm to the housing sector, however increased demand has already pushed up the price of materials and labour. Have you experienced this in a recent build or renovation job?

06.01.2022 Here's Laura Higgins, head of moneysmart.gov.au, about why getting on top of your finances is so important for mental wellbeing.

06.01.2022 If it's been a while since you last got a loan, we've got some new tech to make your transaction a little easier.

06.01.2022 Here are 7 ways to ensure over spending isn't your undoing. https://www.moneyandlife.com.au//dont-let-overspending-be/

05.01.2022 From toddlers to teens, there are money management skills you can teach your kids. https://www.moneyandlife.com.au//5-ways-to-set-your-kids-/

03.01.2022 Last night, Treasurer John Frydenberg revealed the Australian 2020 Federal Budget. Here is information on how and when Australians will be able to access new tax cuts. https://www.lifehacker.com.au//how-and-when-australia-wil/