Healthcare Capital Management Pty Ltd | Company
Healthcare Capital Management Pty Ltd
Phone: 0475 085 964
Reviews
to load big map
25.01.2022 We often only pay attention to student debt at tax time when we are reviewing our tax returns. Here's a bit more about how it all works.
25.01.2022 All insurance policies are not created equal. Contact us today to get the cover you need.
25.01.2022 Lesson four: We can save more than we think. https://au.finance.yahoo.com//5-money-lessons-that-2020-ta
25.01.2022 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-/
24.01.2022 When you buy your first home, there are ongoing costs you must consider that you may not have had when living with your family or renting. - Rates and water bills which can be thousands a year. - Additional insurances such as building insurance. Insurance premiums vary greatly between suburbs and even streets, so make sure you do your research. - Yearly package fees are often deducted from your account.... - Maintenance such as plumbers or electricians no longer covered by a real estate. - Any strata or body corporate fees if you’re buying an apartment. There's a lot to consider when buying a home, so if you or anyone you know is ready to get into the property market, contact us today.
24.01.2022 According to some, 2021 is shaping up to be a strong year for the housing market but certain areas will fare better than others.
23.01.2022 "The Reserve Bank of Australia has flagged keeping the official interest rate at a historical low for the next three years." With these incredibly low interest rates, now's a great time to review your loans. Send us a message to find out more.
22.01.2022 As we prepare to wrap the year up, many of us make New Year's Resolutions. When it comes to sticking to them, research suggests several practical and easy-to-apply tips.
22.01.2022 Here are 7 ways to ensure over spending isn't your undoing. https://www.moneyandlife.com.au//dont-let-overspending-be/
22.01.2022 What makes this scam so effective is that it lowers your guard why would a scammer send you more money than you need? Read more about this sneaky scam.
22.01.2022 Next time you see an advertisement online, think a little bit more critically about whether what they’re selling or promoting is too good to be true and what they’re getting out of it (because ads are definitely not free)!
22.01.2022 Millions of households face higher energy bills this year as a result of stay-at-home orders, but there are ways to soften the blow. Here are three ways to prepare for a larger energy bill. https://thenewdaily.com.au//23/energy-bill-shock-coronavi/
22.01.2022 How to ensure you aren't making these 5 common financial mistakes. https://www.moneyandlife.com.au//5-common-financial-mista/
21.01.2022 Do you know how much money you need to save by every age to retire happily? https://www.lifehacker.com.au//how-much-should-you-have-s/
21.01.2022 Does home insurance cover you for storm damage or coastal erosion? https://www.moneymag.com.au/home-insurance-cover-storm-dama
20.01.2022 Housing affordability constraints in major cities had seen the shift to regional Australia start to gain momentum... the pandemic and remote working accelerated that trend.
20.01.2022 Want to sell your car faster? Auto photographer Easton Chang shares his tips to make your listing stand out
19.01.2022 Further relief for those in need. If you have any questions or concerns about your loans, or what assistance might be available - please contact us.
19.01.2022 How to make a face mask without a sewing machine https://www.lifehacker.com.au//face-masks-without-sewing-/
19.01.2022 Happy Easter everyone.
18.01.2022 Pro tips for a healthy mouth from the Australian Dental Association and our team at Astute Simplicity Health.
18.01.2022 Call, email, or message us for more information.
18.01.2022 The most common New Year’s resolution set by 59% of us - is to exercise more. But research suggests the way we typically set goals in exercise often doesn’t work. So, what should we do instead?
18.01.2022 Pent-up demand from buyers around Australia is prompting rises in regional property markets across the country despite the pandemic recession. https://www.domain.com.au//regional-housing-markets-aroun/
18.01.2022 If you decide to continue working from home after the pandemic, do you know if it is good or bad for your health in the long run? https://thenewdaily.com.au//2020/07/12/work-from-home-pros/
18.01.2022 Buying a used car or motorbike? Don't forget a PPSR search. Cheap as chips it can help you determine if the vehicle is: 1. debt free and safe from possible repossession by a bank or financier 2. reported as stolen or written off; or 3. subject to the Takata airbag recall.... More hints and tips here: https://www.abc.net.au//what-to-check-when-inspe/100010848
17.01.2022 Comparing apples with oranges doesnt make sense. To make finding the right loan easier, and to make advertised rates as transparent as possible, we have comparison rates. Youre looking for a great mortgage deal and you see an ad 3.8% INTEREST!, underneath that is 7.9% comparison rate. What does this mean? What is a comparison rate? A comparison rate aims to indicate the true cost of a loan.... A comparison rate is designed to help you understand the overall cost of a loan based on several relevant factors, rather than just the interest rate. Each comparison rate is calculated using a standard formula: Amount of the loan ($150,000) Interest rate Loan term (25 years) Repayment frequency Fees and charges such as Establishment, Valuation, Exit Costs, Mortgage Documentation and Settlement fees It also takes into account loans with a lower introductory rate that revert to a different interest rate after a set period of time. Why its important The goal is to help you make a more accurate comparison when considering different loans. Ensuring all lenders use a standard formula comparison rate makes it much simpler to hold two loan products side by side and see at a glance which one is the better deal financially. Why you need to be careful While comparison rates can be a good starting point, theyre not the only thing to consider. If your loan is going to be for $900,000, the comparison rate for your loan could be vastly different to the standard one. Loan features and benefits, short and long term goals, and product flexibility are just some of the other factors that need to be taken into account. Comparison rates are a very handy tool. Its important, however, to look at a rate that is specific to your circumstances. One of our friendly Finance Brokers can do exactly that for you, and also ensure your goals, lifestyle and personal circumstances are considered before taking a loan. So why not contact us today to compare?
17.01.2022 At its meeting today, the Board decided to maintain the current policy settings. Read more about it here: https://www.rba.gov.au/media-releases/2020/mr-20-18.html And remember if you need a hand with your loans, or just an ear to chat, let us know
17.01.2022 Caravan and campers are more popular than ever with restrictions to travel. If you need finance for your new purchase, we can help get you preapproved so you can shop with confidence.
17.01.2022 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
17.01.2022 Some plants can be really harmful to your pets. So if you're headed out on the weekend for new indoor plants, here are six pet-friendly ones you might want to try.
17.01.2022 If you're spending more time at home lately, you might be in for an unexpected shock when you get your next energy bill. https://www.abc.net.au//how-to-deal-with-energy-b/12398138
16.01.2022 Keen to save money on your domestic or business insurance? Want to ensure you have the cover you really need with the assistance of our qualified General Insurance Brokers? Contact us today.
15.01.2022 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
15.01.2022 With interest rates at an all-time low, and many lenders fixed rates lower than their variable options, locking in an interest rate on your home loan to guard against possible future fluctuation may be attractive. However, it pays to know the ins and outs of fixed-rate loans before committing to one. Fixed-rate loans usually come with a few provisos: borrowers may be restricted to maximum payments during the fixed term and can face hefty break fees for paying off the loan ea...rly or switching to variable interest during the fixed rate period. However, locking in the interest rate on your home loan can offer stability. Fixed rates are locked in for an amount of time that is prearranged between you and your lender. In addition, you might consider the possibility of arranging a split loan. This option allows you to split your loan between fixed and variable rates either 50/50 or at some other ratio. This can allow you to lock in a fixed interest rate on a portion of your loan, while the remainder is on a variable rate which may give you more flexibility when interest rates change and potentially minimise the risks associated with interest rate movements. Be aware that at the end of the fixed-rate term, your loan agreement will include information about how the loan will then be managed by the lender, usually to a revert variable rate which may not be the lowest the lender offers. We understand that each persons circumstances are unique. If you want more information on what type of loan might best suit your circumstances, please send us a message.
15.01.2022 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.
15.01.2022 Storms have already caused damage across Australia this year. Here are eight simple things that you can do now to prepare your home and help reduce the potential damage caused by severe storms . https://www.ses.nsw.gov.au//simpl/prepare-for-a-storm-now/
15.01.2022 Budgeting isn't always easy. What are your tips to budget effectively? https://www.abc.net.au//the-anti-budgeting-way-to/12445280
13.01.2022 More than 1.3 million households joined the online shopping revolution last year as the pandemic drove a mammoth shift in shopping habits. Do you know someone who ventured into the world of online shopping for the first time in 2021? https://thenewdaily.com.au///2021/03/31/myer-closes-store/
13.01.2022 Property auctions are full of terms that can easily confuse the uninitiated. You've got dummy bids, vendor bids, proxy bids and more. Here's a glossary of auction terms you should know before you start bidding. https://www.moneymag.com.au/glossary-auction-terms-definiti
11.01.2022 "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
10.01.2022 The festive season can be a busy and expensive time for those with kids. Here are a few ways to save you time and money - you may even help the environment too!
10.01.2022 Spring is just around the corner so that means spring cleaning is in order! Here are some tips to help get you started. https://www.homestolove.com.au/how-to-spring-clean-your-hom
09.01.2022 At its meeting today, the Board decided to maintain the targets for the cash rate. "In Australia, the economy is going through a very difficult period and is experiencing the biggest contraction since the 1930s. As difficult as this is, the downturn is not as severe as earlier expected and a recovery is now underway in most of Australia. This recovery is, however, likely to be both uneven and bumpy, with the coronavirus outbreak in Victoria having a major effect on the Victorian economy." You can read more from the RBA here: https://www.rba.gov.au/media-releases/2020/mr-20-20.html
09.01.2022 We're with you throughout your life, providing financial solutions to suit your unique circumstances.
09.01.2022 After its meeting today, the Reserve Bank of Australia has left the official cash rate unchanged at 0.25%. Read more about the decision here: https://www.rba.gov.au/media-releases/2020/mr-20-17.html Were experts in helping you find the interest rate, product, features and flexibility you need for your mortgage, from a wide range of lenders. If you have any concerns about your loans, or your circumstances have changed and you would like a chat, please contact us. Were here to assist and provide any guidance we can.
07.01.2022 Creating new habits is hard. With these three simple steps you can be underway to building good financial habits in no time. https://www.moneymag.com.au/retrain-brain-bad-money-habits
07.01.2022 Today is #RUOKDay. Its a simple question, but just asking it could lead to a conversation that changes someones life. Learn how to keep the conversation going at www.ruok.org.au.
06.01.2022 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 Lukes 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.
06.01.2022 Since we are all spending more time at home due to COVID, how often are you washing your bed sheets? https://www.bhg.com.au/how-often-should-you-wash-bed-sheets
05.01.2022 There are five kinds of shoppers that have emerged since COVID-19: Which one are you? https://thenewdaily.com.au//coronavirus-shopping-five-typ/
04.01.2022 Do you have any tips on how to deep clean your house? Do they differ to everyday cleaning? https://www.bhg.com.au/how-to-deep-clean-your-home
04.01.2022 Cheers to the new year.
04.01.2022 Does pausing payments affect your credit score? https://www.moneymag.com.au/payment-pause-credit-score
04.01.2022 Increasing your car's fuel efficiency can help your bank account and the environment. Here's how you can start. https://www.abc.net.au//driving-tips-to-save-mone/12566182
03.01.2022 A little planning can go a long way in the great outdoors.
