M.I.A Financial Services in Griffith, New South Wales | Business service

M.I.A Financial Services

Locality: Griffith, New South Wales

Phone: +61 2 6964 8567

Address: Level 1/91 Yambil Street 2680 Griffith, NSW, Australia

Website: http://www.miafinance.com.au

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• Property
• Business service
• Loan service
• Mortgage brokers

25.01.2022 In the wake of the COVID-19 pandemic, many young adults have been forced out of work and back into the family home. As the pandemic stretches on, how can you manage the added cost of supporting your children and help them get back on their feet? https://www.moneyandlife.com.au//when-your-adult-children-

25.01.2022 All insurance policies are not created equal. Contact us today to get the cover you need.

25.01.2022 Crypto is hot right now, so the ATO is paying close attention. "Our main focus is on helping people to get it right this tax time. In many ways, income from cryptocurrency is no different to income from other sources. It’s important for people to know, however, that cryptocurrency transactions are not anonymous. The ATO uses the data that it receives from Designated Service Providers (DSPs) to match the data to an individual to ensure people trading in cryptocurrency are paying the right amount of tax." - ATO

24.01.2022 Get yourself into the habit of stopping and thinking about what you're spending! You may find yourself reassessing what you buy and saving more.

24.01.2022 3 budget-friendly tips to re-energise your home in 2021 - Rather than doing a full 180 change and thinking you will easily adjust, there are a few little things that you can change, adapt or improve so that at least your home starts the year at its best. https://www.rent.com.au/blog/energise-home

24.01.2022 Where can first-home buyers look to buy under the caps in their city? https://www.domain.com.au//what-can-first-home-buyers-sna/

23.01.2022 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.

23.01.2022 If you've been inactive for a while due to the events of 2020, getting moving again can lead to injuries. Here are some tips to help you get going without hurting yourself. https://www.abc.net.au//how-to-return-to-exercise/12688260

22.01.2022 Refinancing can be a great way to save money if you believe you are paying too much for your loan, but there is more to it than just finding a loan with a lower interest rate and making the change. Before making the switch, ensure the savings you could make outweigh the fees involved. Here are some of the different exit costs that you may need to consider: 1. Exit/Break fee... 2. Establishment fee 3. Mortgage discharge fee 4. Lender’s mortgage insurance (LMI) 5. Other government charges To make things simpler, if you’re keen to refinance and want to make sure your costs are worth the switch, contact us today!

22.01.2022 The team at Astute General Insurance do more than just compare on price and terms they listen, understand and care about you when it matters most. Contact us today and we can organise a no obligation chat about your insurance needs.

21.01.2022 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/

20.01.2022 Lesson four: We can save more than we think. https://au.finance.yahoo.com//5-money-lessons-that-2020-ta

19.01.2022 The events of this year have encouraged more of us to plan an exploration of our own backyard this spring and summer. Whether it’s to the bush, mountains or out on the water, we’ll all be spending more time out and about in our great country. The first step to your next adventure may be to buy a caravan, camper trailer, motorbike, boat or jetski - and we have a range of competitive finance options to assist and can even handle your insurance. Often more competitive than a p...ersonal loan, leisure finance also has flexible terms and can be structured to meet your specific needs. Need a car to get you where you’re going? While buying a new caravan or jetski can be exciting, you may need more grunt from your vehicle to get it to your destination and buying a car can be a drawn out and stressful experience. You may not be aware that we have access to a car buying service to find, negotiate and buy the car you’re looking for. We can find the car you want at a great price and have it delivered to your home or office for a test drive. We can even handle the trade-in of your old vehicle. If you’re keen to explore our wonderful country this summer, contact us first. We can apply to have your finance pre-approved allowing you to shop with confidence, knowing exactly what you can afford and letting you focus on more important things like planning the perfect local getaway.

19.01.2022 Manage your diabetes with the Snug Health App - free to Astute Simplicity Health members. Connect your digital blood glucose device Record and monitor your blood glucose levels Email your doctor or your family your latest blood glucose readings Send an SMS notification to your emergency contact when your recorded blood glucose readings are low... Record your hbA1c levels Complete your Type 2 diabetes risk calculator Journal your blood glucose and keep track of low and high blood glucose events as they happen, so you can communicate your diabetic event easily with your health professional. Find out more at AstuteSimplicityHealth.com.au

18.01.2022 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.

17.01.2022 Are we on the cusp of a housing boom? One of the big four thinks it might happen.

17.01.2022 Know someone ready for their first home? From first conversation to the handover of the keys we’re here to help. Are your children or someone you know ready to take the plunge and buy their first home? It’s exciting, but there’s a lot to get your head around. It may seem like a complex process, especially for first-timers, however we’re here to make buying your first home as enjoyable and straightforward as it should be. Assess your financial circumstances: Your mortgage br...oker will take the time to discuss your needs and circumstances with you. They can answer any questions you may have about the process. Help get your savings plan in place if needed: We have an extensive network of Financial Planners, so even if you can’t afford the loan you want now, we can put plans in place to assist you getting the home you want sooner. From budgets to debt consolidation, we have the experts at hand to help make your dream home a reality. Find a suitable loan for your situation: We have a huge selection of loan products from over 25 lenders we work for you! Once your broker has an understanding of your objectives and financial position, they will discuss the various loan products available. It’s at this point that your broker can give you an idea of what you can afford, based on your own personal situation. Remember: One of your broker’s aims is to reduce the chances of mortgage stress and help ensure you are comfortable with your repayments even when interest rates, and possibly your repayments, rise. Help you get pre-approval: If you haven’t yet found the right home, your broker can organise pre-approval so you can shop for your new home with confidence. Help you with incentives: We’ll let you know whether you’re eligible for government incentives such as the First Home Owners Grant (FHOG) and help with the paperwork. Each state has different rules and processes to apply for these grants. Support you all the way: From start to finish our brokers will be there with you guiding you from your first conversation to the handover of the keys to your first home. So if anyone you know is ready to get into the property market, message us today.

17.01.2022 Cheers to the new year.

16.01.2022 With lenders advertising fixed rates lower than their variable options, and many of us looking for ways to reduce our financial commitments, you may be considering refinancing to a fixed rate mortgage. If you are thinking about fixing the interest rate on part of, or your whole loan, remember that there are many things to think about before locking it in. Here are some possible pros and cons when fixing a loan.... The good news is that we take the time and the care to ensure you can make an informed decision and make the whole process as straightforward as possible. We will compare lenders and products for you We will explain the pros and cons We will prepare and submit all the paperwork We will be with you from start to finish. If fixing your loan sounds like something you might like to consider, call us today so we can work out the options that best suit your needs.

16.01.2022 Here are some tips from two property experts to help you manage FOMO while you're on the property hunt.

15.01.2022 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.

15.01.2022 Trying to save a little money on your bills headed into 2021? This government website helps you calculate how much your appliances are costing you. https://www.energyrating.gov.au/calculator

15.01.2022 Whether you’re looking to teach your kids about caring for their mind and body, or after a way for you all to get outdoors, why not give gardening a go?

14.01.2022 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.

13.01.2022 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.

13.01.2022 Are you looking to sell your home? Here are some tips to style it like a pro. https://www.moneymag.com.au/tips-getting-house-ready-sell-s

13.01.2022 Yesterday the Bureau of Meteorology (BOM) declared that La Niña has developed in the Pacific Ocean, upgrading from a La Niña ALERT status to an active event. What does this mean for your home and business? Explainer Bureau of Meteorology

13.01.2022 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-/

09.01.2022 Cybercrime rose sharply in 2020, as more people worked, shopped and socialised online due to the COVID-19 pandemic.

07.01.2022 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!

07.01.2022 COVID-19 has led to a spike in the number of scams being perpetrated online. Whether it’s trying to sell products to cure the virus, or pretending to be from government agencies ‘phishing’ for your information, scammers are capitalising on the fallout from the pandemic. Here are four recent examples targeting Australians. For more information see the Government’s Scamwatch website: www.scamwatch.gov.au

07.01.2022 Merry Christmas from all the team.

05.01.2022 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/

05.01.2022 So, should I top up my super before 30 June? Like so many questions, the answer will be it depends. It will depend on your personal circumstances and retirement intentions. These can be quite daunting questions to ask and seeking advice or guidance from a qualified financial planner rather than from your family, friends, the well-meaning next-door neighbour, or TV, radio or print journalists, may be in your best interest.

04.01.2022 "Australians nearing retirement will be encouraged to downsize their homes to free up more houses for younger families in a pandemic budget that also aims to help more people into home ownership. "

04.01.2022 A little planning can go a long way in the great outdoors.

04.01.2022 You can make a big mistake if you buy something that’s not going to suit you for long...

03.01.2022 Want to sell your car faster? Auto photographer Easton Chang shares his tips to make your listing stand out

03.01.2022 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!

03.01.2022 If you're thinking about a new caravan, boat or camper in the new year, have a chat to us before you go shopping. We have a range of competitive finance options to assist, and can even handle your insurance. And if you need a bigger car to get the job done, we have access to a car buying service to find, negotiate and buy the car you’re looking for. So if you’re keen to explore our wonderful country, contact us before you buy. We can apply for pre-approval and explain your budget and options, letting you focus on more important things like planning the perfect local getaway.

02.01.2022 Here's Laura Higgins, head of moneysmart.gov.au, about why getting on top of your finances is so important for mental wellbeing.

02.01.2022 A helpful guide for the Christmas period.

01.01.2022 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

01.01.2022 Beautiful photos. Scented candles. Jazz music. Here's how to remain calm and focused if you're planning a purchase in 2021.