KeyChange Solutions | Financial consultant

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KeyChange Solutions

Phone: +61 412 285 373

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24.01.2022 WordPress Attacking WordPress - if you have a Wordpress installation I strongly recommend that you install Wordfence security - if you need assistance give me a yell. https://bit.ly/2UhWdPQ

21.01.2022 Tired of the rental grind? https://youtu.be/NidbvoXpvHw

21.01.2022 I came across an article about an Australian Fintech offering personal finance ie: personal loans and so I had a look at their site and it was of interest. So much so that I considered buying a parcel of their shares however being a canny Scot with an IT background I checked out their website from a performance point view. I started with basic SERP ranking for a couple of key words and I found they were around 30th which for a competitive key word is ok, But I also know t...hat for their business to seriously grow they would need to do better and so I decided to sit back and watch. It was my intention to use a SERP improvement as my flag to go ahead with share purchase. But their SERP wasn't moving in the right direction and so I had a much closer look at their site and I was astounded to see that they not only didn't offer AMP ( accelerated mobile ) versions, Google's rated the main site as "not mobile friendly" meanwhile Pagespeed was a terrible 51 Wow !!! The About Us page tells us the CEO "has a proven track record in technology and business innovation" while the CTO has "15 years' professional experience" ...."developing unique websites and mobile apps." Now the site actually looks very good even on mobile but if Google doesn't agree then you are in big trouble.

21.01.2022 New website and hosting packages ..call for pricing. We offer professional Wordpress development and support with our own managed server located in Melbourne data centre. Over 20 years web and server management experience.

20.01.2022 Recently gained access to short term unsecured finance for small business. Purposes include tax debt, stock purchases or even capital equipment. Get more information or a quote from here https://keychange.com.au/mo/unsecured-business-finance.html

18.01.2022 Paradime Home Finance - see.

18.01.2022 Are you worried that NBN might lose your business local phone number ..there are plenty of options to keep your number and save heaps on call costs

17.01.2022 A few years ago I purchased an unrestricted version of he Instalogo Logo Creator but when I went to use it recently it was gone. I reinstalled and the the developer wants more money for what I already paid for ....as a developer myself I consider this very unethical.

15.01.2022 The Morrison, China data scare alert last Friday was nothing more than a diversion. The figures shown below are mainly failed hack attempts on just one of our managed Wordpress sites. Yes, the numbers look scary, but they can be ten times higher at times. However we use industry leading, heavy duty security and fingers crossed we have never had a breach.

14.01.2022 If you are looking for competitive easy access to personal loans both secured and unsecured this is your answer https://www.wisr.com.au/

14.01.2022 Give me a yell - no obligation

14.01.2022 I'm a member of a broker forum - today I read this post which says so much about the idiocy we have to deal with on a day to day basis. Received a request for further information from B&^%&est today that read you requested a loan amount of $444,000 however we completed a funds to complete and the loan amount worked out to be $443,999.78, please confirm loan amount and shortfall of funds

07.01.2022 We have known this for years but wow the latest figures from Roy Morgan really show the divide when it comes to home loan customer satisfaction: "ING is the highest home loan performer among the ten largest banks with 94.8% satisfaction, followed by Bendigo Bank on 89.7%. They are followed by St George (81.5%), Bankwest (77.8%) and Suncorp Bank (77.6%).... The big four banks with CBA and ANZ both on 71.4%, followed by Westpac with 70.7% and NAB 70.3%."

07.01.2022 The Interest Only Trap is a creation of Canberra not the finance industry Interest only loans have been promoted by all aspects of the finance industry including accountants because it makes best use of negative gearing. By quarantining the debt and banking on capital growth you maximise your tax deduction with minimum impact to your cash flow, thus allowing you to borrow more. The industry didn't introduce negative gearing that was the government who now in one breath clai...m an "interest only disaster" is imminent while at the same time stubbornly defending their negative gearing arrangements. Interest only should never have been offered to borrowers on owner occupied loans for the purpose of reducing repayments, except where short term need such as maternity or study leave made it appropriate. Everybody in the supply chain knew this and they should be held to account where they breached that practice. However, it was never an issue when borrowers could easily renegotiate another interest only term with their bank or move to another lender and start again. The reason there may be a disaster is that the regulators have enforced much tighter inspection on what is acceptable income, what must be counted as expenses, highly padded reference rates used for servicing calculations and higher actual rates being charged. The result is that many borrowers with current loans will not pass the new servicing test and therefore can't move lenders and they are locked into a loan that will convert to P&I (principal and interest) and that could have major impacts on their ability to service debts. Personally I think it is ridiculous to consider gym fees, Netflix or any number of other discretionary expenses when checking serviceability. Surely borrowers would be more prepared to give up their golf club membership or even private school fees rather than lose their family home. And yet this may be the outcome for borrowers caught in the servicing trap created by the regulators.

06.01.2022 Can you believe these morons at CHOICE ..."A ban on the payment of commissions to mortgage brokers and financial advisers so it is clear that they act for the... person seeking advice, and nobody else." All research indicates that under the current system the vast majority of borrowers are happy with their broker outcome and are fully aware that brokers are paid commission by the banks. Under 2011 National Consumer Credit Protection Act It is already a 'legal' requirement for ALL brokers to disclose commissions before writing the loan. There is also a legal requirement to have NO conflict of interest. Choice want borrowers to pay for the service ....WTF? That simply means that you, the customer is out of pocket, banks save money and brokers go out of business.

05.01.2022 Great deals for small businesses

04.01.2022 Great service and saves a bundle

02.01.2022 If you have a small business and the idea of Amazon and other online competition worries you, why don't you give me a call for a no obligation free chat about what we offer and how it may be of assistance to your future ... 1300 799 303 or 02 9037 4084 ..... pay no attention to the city numbers we are in Dorrigo

KeyChange Solutions | Financial consultant