Money Jar Concept in Kingsville | Business service

Money Jar Concept

Locality: Kingsville

Phone: +61 481 579 828

Address: PO Box 138 3012 Kingsville, VIC, Australia

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

Likes: 391

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• Business service
• Financial service
• Mortgage brokers

24.01.2022 When your current lender receives a copy of your Discharge Form, you're going to receive a call from their Retentions Team. They'd want to be your BFF, when all these years, you've never received a call from them. They'll cajole you into buying into their sales spiel.... My advice? Hang up on them. Customer loyalty doesnt exist anymore. If your lender is only: - dropping their rates or - waive your annual fee or - offer you cashback when you threaten to leave, ask yourself "How long have they been ripping me off?" Your finance journey doesn't end after you successfully settle. I am with you for the rest of your financial journey. Subscribe to my YouTube channel! Link in bio. If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

24.01.2022 You are a plumber, and you are called out to a house to tackle an issue that requires 3 to 4 hours of investigation. After identifying the issue, you offer a few solutions to the home owners. The home owners disregard your efforts, belittle your time and efforts, and proceed to perform the work themselves, or get another plumber (who didn't have time previously) to assist them.... How would you feel? This is what 95% of brokers do right now. Many offer up their hours (and sometimes days) to workshop a tricky financial scenario, and in the process give up their intellectual property (IP) and expert advice. All this knowledge comes from countless number of hours spent working in a finance environment. And most brokers do this in the vain hope that the client would proceed with them, so they get paid for their time and expertise. This has to change. I didn't spend seven years in NAB for nothing. My industry experience, relationship with stakeholders and professional businesses didn't just happen overnight. They wouldn't partner with me, if I was a rogue broker straight out of uni. You wouldn't work for free, so why should your broker? If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

24.01.2022 Many Australians live on a fortnightly basis, living pay check by pay check, and spend everything they earn. Most have less than one month of #rainydaymoney. There, I've said it.... In the last six months, I have spoken to over 100 families, couples, singles and small businesses. I did a simple research on how Covid19 has affected their finances, and the statistics are eye-wateringly scary. They are: About 10% have drained more than half their savings Almost 40% of them have admitted to using their savings to pay for groceries and household bills Almost 20% have their household income reduced by more than 25% More than half would not be able to afford a $200 increase in monthly household expenses Almost 40% do not have an emergency fund More than 40% expect their finances to be affected by Covid19 Many of you who have spoken with me, would have heard me quote several of these statistics. Don't be another statistic here. Financial literacy, understanding where your money goes, and building your #rainydaymoney, starts today. If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

24.01.2022 With the property market running hot, mortgage lending is at historically high levels, according to the most recent data from the Australian Bureau of Statistics. Australians took out $28.6 billion of home loans in February 1.8% lower than the month before but a massive 55.2% higher than the year before. For every broker out there, they are seeing a minimum of 50% uplift in enquiries; we are all bloody busy bees ... With so much demand for home loans right now, the system isn't functioning as smoothly as it usually does. So here are my top three tips for getting a loan in the current environment: 1 Start early, because lenders are taking a long time to process applications (27.1 days on average, check out my post last week!) 2 Shop around, because there are many great deals that aren’t being advertised or shown on comparison websites 3 Try hard to maintain a high credit rating, and fix any blemishes you might have The great advantage of using a broker (such as myself!!) is you’ll be covered in all three areas. A broker will know all the hush-hush special deals, be able to advise you on maintaining your credit rating and manage the time-consuming application process on your behalf. So reach out to your local broker, or your favourite Bald and Bespectacled broker, and let's chat! See more

23.01.2022 If you shop at Coles Yarraville between Thursdays to Sundays, you can't miss a 70s VW Kombi Ute, towing a 'Silver Rocket'. Ken and wife Angela are owners of Maple Leaf Meats, and have been selling Canadian-style burgers, ribs and wings for the best part of five years and are a permanent staple of Yarraville. Their food is immensely popular among locals, but they've always struggled to ramp up their output due to a lack of space to smoke their meats and produce their sa...uces. Finding a commercial spot - That has always been their goal, by late-2020, they decided they can no longer operate solely out of their Silver Rocket. Yesterday, the lovely couple secured a permanent commercial spot in Altona North. Overjoyed would be an understatement. Proud as punch for them, their family business, and thankful they've reached out to me to obtain finance for it. We did it, Ken and Angela!! See more

22.01.2022 A brave single mother with two dependants took out a small home loan with a lender eight years ago. Her beautiful home is located at the foot of the Yarra Ranges. Determined not to let her failed marriage dictate her life, she forged ahead in life.... Over the years, the lender performed rate creep on her, and she began considering refinancing. Unfortunately, her personal circumstance and unique income type meant few lenders would consider her. On top of that, bankers and brokers alike, would all pass up on her as her home loan was tiny, and felt it wasn't worth the effort. Noone wanted to sit down with her, understand her story, and find a lender that accepts her income. So glad her home loan now has a home, and the kids and her can grow into the community that they call home. If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

22.01.2022 I have spent the last five months fighting out a few landlord . And I don’t mean actual ! Thankfully I've successfully put out most of the fires, and here are my Top 6 tips.... 1. I can negotiate payment pause options 2. I can discuss hardship options for you 3. If you stay with your lender, I will ensure you're on the most competitive rate and product 4. If you refinance, I will ensure you have the most competitive deal, that suits your best interests 5. If you stay with your lender, I will outline the cost of switching vs not switching 6. I will ensure your investments are protected through a trusted insurance broker partner If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

21.01.2022 You don't need 20%!! You don't need 10%!! You definitely don't need 5%!! **... My ninth video in my video anthology will apply to both: - home buyers - refinancers Your finance journey doesn't end after you successfully settle. I am with you for the rest of your financial journey. Subscribe to my YouTube channel! Link: https://www.youtube.com/channel/UCawVlBgdhQXgz1anQFFbgrQ If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. **T&C applies See more

21.01.2022 I've seen clients get hugely annoyed when the lenders ask for more documents. "Please explain XXX." "Could you please provide YYY."... Believe me, I don't want to make the process any harder than it is! My tenth video in my video anthology talks briefly about information provided. At a very basic level, the more relevant info you provide, the better understanding the lender will have, and you'll have a better chance of the loan being approved. Your finance journey doesn't end after you successfully settle. I am with you for the rest of your financial journey. Subscribe to my YouTube channel! Link: https://www.youtube.com/channel/UCawVlBgdhQXgz1anQFFbgrQ If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

21.01.2022 I have umbrellas!! The lovely Bronwyn from @promolocoau has been working closely with me to get some merch out. These brawlies will infiltrate local homes very soon.... Who loves me as a broker, and wants to stay dry or out of the sun? See more

20.01.2022 Happy Father's Day to all Fathers out there. As a first-generation migrant to Australia, I've only seen my father for about seven times in the last 16 years. Each time, it's only fleeting, and for no more than a few weeks.... I consider it a luxury, to see my father once every few years, as I left Singapore to forge my own life in Australia. It's a sacrifice I have made for a better life for myself. ***** Whatever the outcome is today, whether we remain in Stage 4, or are upgraded to 3.5, remember this: - You are only required to follow rules for a very short period of time - If you are children to first-generation migrants, you would have grown up in Australia, the Lucky Country. You are very lucky. There's a reason why many migrants move to Australia. My wife and I included. - Dan Andrews is - regardless of your political leanings - damned if he does, damned if he doesn't. He cannot make everyone happy. ***** Picture courtesy of Kristyna Hessova of KristynaHess Photography and Lockdown Portraits ***** Love, John, Michele, Levi, Ayla and Jona

20.01.2022 Equity you have in your property is not your money. Don't mistake that for money you can use. Ask yourself, can you afford to repay the equity you wish to use?

19.01.2022 "John, we're on 2.58% for our Variable with $60,000 in our offset. We're tempted at the 1.98% Fixed that's offered. What should we do?" "John, we're seeing 1.99% for 4 years Fixed. Should we fix our loan?" Been fielding a lot of similar enquiries these two weeks.... The crazy John in me wants to say: "Yes!! Rates are very important. Everything is about rates!!" Of course, that's nonsense talk. Between credit score, lender policy, lender turnaround time, clients' best interests, features, ongoing and annual fees, rates are just the cherry on top of a cake. We need to talk about the cake first. Everyone who has dealt with me will know this - Rates are never the Top 5 in order of importance for me. Here's what you need to consider before you switch your home loan from Variable to Fixed, or take out a Fixed loan: 1 Don't fix it for 4 years!* 2 Remember lenders never lose! 3 Know that a lot can happen in three or four years. The bushfire in January 2020 and Covid19 have shown a lot can happen in just three months. 4 Be aware lenders want to lock you in as a customer now for as long as they can; but always see the forest for the trees. 5 Know that lenders are scared of losing customers as the economy struggles to gain traction, and they're anxious about losing business to their competitors. 6 Breaking a Fixed Rate is a very expensive "What if?" lesson. I've seen break costs in excess of $30,000. 7 Don't do it without speaking with me! *This is not a recommendation of your home loan structure. Speak with your broker or me to get a robust conversation going about your home loan. If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

18.01.2022 My little Jona. You are so small, and so ignorant. You are so innocent, and so new to our ways.... You only have four friends - Dada, Mama, Aya (Big Brother in Sinhalese) and Aka (Big Sister in Sinhalese). Your Facebook feed would be so boring. We didn't want this on you. Not being able to go to the playgrounds. Not knowing what a play centre is. Not knowing what a swimming pool is. Not having a birthday party to attend, or friends to invite. It will soon pass, for many of us are doing the right thing. Best part - you won't remember any of this! You make us want to do better, and be better. Love, Us.

18.01.2022 Tax debt is an ugly word. It follows you around like 'Bankruptcy' or 'Divorced'. Many people - and lenders alike - forget people don't marry someone to get divorced.... People don't start a business or own an asset wanting to end go bankrupt. People definitely don't start trading profitably, wanting to fall foul of the tax laws either. Incurring a Tax debt, or ATO debt, is definitely not the end of the road. Come have a chat with me, and I'll show you what options you've got. If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

18.01.2022 One of the best things about our unplanned little 23mth old Jona, is the opportunity to be Dad again. Not just being Dad, but actually being there for him. With my first two, Levi (10) and Ayla (7), I was hardly there for them as I was chasing the big dollar bucks at NAB.... Jona wakes up everyday, feeling great as EVERYBODY he knows - literally - is at home, and there for him. WFH as a small business owner and having no rental overheads means I can focus on my family (and Jona!) and my (mostly) inner west clients as well. If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

16.01.2022 Woke up this morning, did the dishes and took the rubbish out, and found a snail walking across my front door. Travelling from Point A to Point B, slowly but very efficiently. The snail represents all Melburnians' slow journey into personal freedom this morning.... Personally, it also represents the slow release of the vice-like grip many small business owners have had in the last seven months. While many have benefited from the (insufficient) grants or payments afforded by the government, many more have not received a cent since Day One of lockdown. To those small businesss operators who survived to see through to this morning, #hatsoff to you. As a small business owner myself, I have spoken to, dealt with, and know your pain. (Yes, I've not received a cent as well.) The slow crawl is fraught with danger, as there is every chance it could have been crushed accidentally, or washed away in a sudden storm. But we got there. Now, let's rejoice, but ensure common sense still dictates our everyday lives. Until the vaccine is found, masks + social distancing is mandatory. PS: To those industries who are opening soon in November, I salute you too. ***** If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

15.01.2022 So what is a debt negotiator? What do they do? How can they help you?... Also known as credit mediators, working with debt negotiators is a vital arm of my broking network. I have been working closely with Gabrielle Vittori of Choice Debt Solutions since early 2019. This 13min video was a Facebook Live video back in February 2019 but it's still very relevant. We have helped, or assisted, many families and businesses who weren't aware of their options prior. Timeline: 1:22 - Introducing Gabrielle Vittori, how Choice Debt Solutions started 2:40 - The average credit card debt is $150,000!!!!! 3:15 - Why people have large credit card or unsecured debts 4:24 - What is credit mediation/debt negotiation? How does it work? 5:41 - Does a successful debt negotiation affect someone's credit score or rating? 6:45 - You can still obtain finance even if you have a poor credit rating. 7:35 - How or When do you know when debt negotiation is required? 9:15 - Trends with credit card debts 10:00 - An alternative to bankruptcy; why credit mediators/debt negotiators aren't used more? ***** If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list.

15.01.2022 Twice a week, I do daddy daycare at home. Just little Jona and I. My last chance of being the Dad that I never was with the other two.... Today, Jona is eating spaghetti in tomato sauce. What are you having for lunch right now? See more

15.01.2022 Negative gearing. What is it? How does it work?... Why is it so bloody confusing? Well, it shouldn't be. The wonderful Cate Bakos - owner of Cate Bakos Property - has dissected a really misunderstood term into bite-sized morsels. I get negative gearing, and I am capable of explaining it. But Cate has taken the explanation to another level. It even comes complete with diagrams! Check out Cate's take on Negative Gearing. Link to her Sunday blog: https://www.catebakos.com.au/sund/what-is-negative-gearing/ If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

15.01.2022 Covid19 has dramatically changed the way most industries and employers do their business. Broking - and across all facets of home, business and commercial banking - has benefited from it. Six months ago, I'd have driven everywhere to meet my clients, including documents and mortgage sign ups.... These days, clients just print out their necessary documents, sign it, and post it back to me. This image here, is from a lovely young couple who are located in Officer VIC 3809. They are refinancing their home loans, while taking the opportunity to consolidate some of their personal debt. According to Google Maps, they are 59.9km away from Yarraville Village. They took a picture of the queue they were in, while waiting patiently to send their loan applications forms to me via Registered Express post. I received the documents within 24hours. I even joked with them, "It would have taken me longer than 24hours just to drive to Officer!!!" For those who have been working with me closely over the last two months, I look forward to more 'pen pal' letters from all of you. If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

14.01.2022 A small business had run into financial difficulties during the height of lockdown, and defaulted on their existing unsecured business loan. The owners are keen to pay down the balance, but needed a lender who was willing to listen to them. A solution was presented, and even though the rates were high, it presented the best option for them going ahead.... Just because a default is in place, it shouldn't hamper your ability to borrow. If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

14.01.2022 Often, established families or couples would come to me with tricky scenarios involving: two or three properties uncertainty of which one to sell, which would maximise their opportunities to purchase another... number-crunching Sometimes, getting their accountant or financial planner involved elevates the whole experience. This lovely family were in the enviable position of wanting to purchase in Williamstown, but had to sell another property. Our email/phone correspondence went on for 8 months, before they finally settled on their home. It's a very unique and oddly-shaped block of land, but it ticks all their desires Best of all, they trusted my problem-solving and number-crunching, and everything worked out for them in the end. If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

13.01.2022 The rental loss pain is real. When you are purchasing an investment, ensure due diligence is done. Lots of landlords out there will be considering their options during Covid19 times.... Thanks to Cate Bakos Property again.

12.01.2022 Another good one from Cate Bakos Property Your conveyancer, solicitor or buyer's advocate should do their due diligence and point out if the property you're purchasing, has some unseen costs. Some are a given, like the government costs including registration fees.... Others are less obvious, like any water and sewerage fees or council fees that is payable. Land tax, is something that will throw many out. Like Cate said, it's calculated on a calendar year, and you might get stung with an expected cost if you're settling in January. Always pays to check!! If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

11.01.2022 Topical Thursday!!! My weekly video on what's hot, and what I've been up to. I talk about:... - first home buyers - Jobkeeper - contract workers - Cate Bakos Property - finance is a long journey If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

10.01.2022 **Fly on the wall post!** Did you know the average time for lenders to pick up your loan application is now 27.1 days from Jan - Mar 2021? This is an increase from 25.2 days for Oct - Dec 2020.... Frankly this is unacceptable, and brokers like myself are fighting from clients, and unrealistic lenders turnaround time. But do you know how and why? 1 When your application is lodged, it goes into a conveyer belt (get a ticket #!!) and gets picked up at the end of the belt by a Pre-Credit assessment team member. 2 Team member will look for any missing documents, and relay it to broker (me!), who in turn advises you. 3 Your loan application got picked up, but is put back at the end of the conveyer belt 4 Even if you and client took only 30 minutes to address the missing documents, your application is still at the back of the queue 5 Team member picks it up again (worst still, it could be someone different!!), ticks the boxes, and passes it on to another conveyer belt, where the Credit Assessor/Underwriter will look at it 6 By the time the Credit Assessor/Underwriter picks it up, it's taken almost a month. A MONTH!!! It's just a clusterf**k and shitstorm. But how? Why? Since Covid, many lenders have let their offshore members go, and rehired and retrained Australian staff to do the work offshore members do. The offshore staff are skilled, but cheap. The Australian staff are unskilled, costly and need time to pick up the game. As a result, what normally takes 3-5 days for a Credit Assessor/Underwriter to pick up, now takes almost a month. Couple this with lenders who are unfairly placing more burden on their conveyer belt, by introducing things like: - $2,000 cashback!!! - Mortgage Insurance Discounts!! - $1,000 Conveyancing costs paid for!! Poor new Australian staff have no idea what just hit them!

09.01.2022 Last week, I gained access to a new and very unique lender - Hejaz Financial Services. Did you know: 1. There are 1.2 million Muslims in Australia... 2. The average size of their home loan is $498,000 3. Whilst Muslims have 15% of home ownership in Australia, 95% of them consider Islam to be very important to their identity 4. Hence, there's an increased demand for halal products and services If you are an Australian Muslim, I've got an amazing team who will work alongside myself and point you in the right direction. At the end of the day, it's all about ensuring I have your best interests. See more

09.01.2022 Are you a property investor? Perhaps you have heard of a Quantity Surveyor, but have no friggin' idea what they are. Or even do.... Fret not, as I've got all your questions and curiosity addressed in the next 11 minutes! I caught up with George Nguyen from Duo Tax few weeks ago over Zoom. Duo Tax, along with George and the rest of his team, have assisted a few happy investor clients, and put a few thousand dollars back into their pocket each. ***** Introducing Duo Tax - 0:30 Meet George Nguyen, BDM for Duo Tax and property surveyor - 1:03 A Property Surveyor is a Construction Expert - 2:00 How long does a Tax Depreciation schedule lasts for? - 2:50 When is a Quantity Surveyor required? - 4:30 How much does a Quantity Surveyor cost? - 5:55 Residential vs Commercial - 6:15 Are the costs tax-deductible? - 6:44 Differences between Repairs, Maintenance and Improvements - 7:00 Reach out to George - 9:55 We are Australia-wide, and it's tax time! - 10:42 ***** Give me a holler, or PM me, or simply reach out to George! His details: Mobile: 0481948009 Email: [email protected]

08.01.2022 This is a car finance post. Don't let the handsome bald man, clad in boxers and suit jacket, distract or trick you into thinking otherwise. This is a car finance post.... Dealerships are still selling cars. You just can't visit them. I am still providing finance for motor vehicles. Don't be fooled by the 'lowest rate.' Look past the 'lowest rate', and look at the comparison rate, which includes things like: 1. Loan Application fee (I've seen four figures fees!!) 2. Monthly fee 3. Early payout fee (I've seen $700!!) Often, when dealerships offer you a low rate, they bury their additional rates and fees, in fine print. You actually end up paying more. If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

08.01.2022 My November newsletter is out! Key points I touch on this month: 1. Invoice Finance... 2. Utilities - Compare, Connect, Save 3. A - Z of debt negotiation 4. Buying confidence 5. Don't pay 'Loyalty Tax' 6. Negotiation goes beyond price If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

08.01.2022 Rates are a-dropping!!! We are seeing rates going under 2% for the first time. While I am cautious about recommending a long term fixed rate, if the opportunity is there and the client is aware of the pros and cons, it's worth doing it.... For just over an hour's work, this lovely client saved over $1,700 in annual repayments. I'd say that's a #win. I'm making a post on Fixed Rates really soon - look out for it! If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

07.01.2022 Meet W. He is 58 years old, and is committed to buying his own home. A freak auto accident meant this 58yo business owner was on TAC payments for about six months.... This meant W couldn't focus on his concreting business, which has been trading profitably for over 15 years. As a result, his business financials now show a decrease from the previous year. W had also put a deposit down on his own home in Westmeadows. Most lenders he approached wouldn't consider his TAC payments, nor understand why his business income has dropped. They cited he was too old, and wouldn't give him a longer loan term. They were only interested in ticking a box, which is the case for many lenders out there. W's son knew I had developed a bit of a reputation for doing out-of-the-box scenarios, and recommended his dad see me. W settled on his property with a 25-year loan, with a lender that looked at his current situation independent of each other. If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

07.01.2022 Here's one for the ages. Previously on Jobkeeper!! No credit history!!... Funds for car This young lady needed just over $40,000 to buy her first car. She has no property to offer, and needs a car before end of September. With Stage 4 restrictions, she can't make an offer without cash, so that's exactly what I did - I funded her a car loan with cash into her account. If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

06.01.2022 Covid19 has shown one is always better off owning your own commercial property. Too many - FAR too many - locals are at the whims and fancies of their landlords. I also know of landlords who aren't getting the best commercial deal.... Here's one that would grab your attention. Don't pay more than 4% on your commercial loan! If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

06.01.2022 Did you know I also offer utilities connection and comparison services? Since 2018 my happy customers - who have gotten their finance through me - are able to get their electricity, gas, water and broadband connected through my professional referral partner. I have recently expanded my network, and I now offer a bill comparison for electricity, gas and broadband. Let's face it, many of us know we are paying too much!!... Don't spend hours comparing utility bills or getting a connection; I offer a one stop shop for most of your utility needs! ***** Note: Not all utilities are available in all suburbs. For example, WA only has one electricity provider. ***** If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

03.01.2022 Etienne Rizzo is the co-founder of Deposit Assure, a business that provides a smarter and viable approach to secure your new property. Instead of cash, deposit bonds are used. It's a fully transparent, simple and professional service, and Etienne and his team is one of the best out there.... This picture of us - before the video - was taken in a Seddon cafe in February 2020. Yes, he is a an Inner Westie (well, North Inner West) himself!! In this video, Etienne talks about First Home Buyers, but Etienne and his team have helped property investors, treechangers and down or upgraders. No one particular demographic suits a Deposit Bond. If you are lacking cash to offer as a deposit, but know funds are coming through soon, why not reach out to me or Etienne for a chat? If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

03.01.2022 Family law - what is it? Lucy Padula is the Principal and accredited family law specialist at Anderson Family Lawyers. Together with her team, they advise clients in all matters of family law, including financial matters, children's matters and family violence intervention orders.... We've worked together for about 1.5 years. We got together last week via Zoom to shed some light on what a family lawyer does, and why family law may be required for your personal circumstances. Time Stamp: 0:01 - Start and introducing Money Jar Concept and Anderson Family Lawyers 0:18 - Introducing Lucy Padula - what is Family Law? 2:26 - Where is Anderson Family Lawyers? In covid19, how can you be contacted? Why engage a family lawyer? 4:00 - Seasonal trends of family separation 5:40 - Changes in how courts operate during covid19 6:44 - Changes in super balances, property value 8:40 - How covid19 is changing the way couples feel about each other 10:14 - Conflict of Interest 12:32 - The Anderson Family Lawyers team 14:10 - Summary + Comments? If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

03.01.2022 A lovely family reached out to me recently to plan a savings and house-buying strategy. Quickly, I realised they had a debt that simply wouldn't go away, and their existing lender is devoid of care, and only interested in profits. This was a business debt from a failed family business 5 years ago, and the poor family was struggling to pay it off.... It was a testing period for the family with the spectre of Covid19 looming. I connected them to my debt negotiator Gabrielle Vittori from Choice Debt Solutions, who managed to knock off a big chunk of their business debt. Fast forward two months, and this family is now in a much better position to save, and focus on their home-buying journey with me in 2021 or 2022. If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more

03.01.2022 I see defaults pop up on client's credit reports ever so often. Some of the most common ones come from first home buyers, who were previously renting, and now seeking finance for their first home. Unfortunately 4 years ago, while moving from one rental to their next, they omitted to pay the last utility bill.... It happens, and they're often <$250. Utility provider doesn't get the payment, and slaps applicants with a default. It stays on their file undetected, until the day they approach me to get a credit report. + score. ***** Of course, defaults come in all shapes and sizes. Some of the more common ones I see are from Panthera, Baycorp, Credit Corp or Pioneer. Noone seeks to obtain credit to miss payments, or intentionally wishes to destroy their credit history. Australians are only coming to realise how important their credit score and reports are now, and default removals has become an important part of the finance process. ***** In the last 4 years, I've gotten to know some of the best in the business, and they have helped many individuals clean up their credit reports. Don't let your credit history destroy your finance goals; Let me point you in the right direction! With MyCRA Lawyers See more

02.01.2022 Most unique location yet!! Client and I met at Airplane Viewing Area, just past the airport, and signed his mortgage documents at the boot of my SUV. It was wet and windy, but we still got it done.... Masks on, and (tried to) maintain social distancing. I think the kids would love coming here when the aviation industry picks up in 2021. See more

01.01.2022 Mother's Day is also a day to think about parenting. More than 70% of my clients are families. A good handful are small business owners.... Most of the families went though unscathed during covid, but those who weren't as lucky, had it tough. You don't have to do it alone. I'm a parent, father, husband, community man, never perfect and still learning how to be a better person everyday. Reach out to me and let's chat.

01.01.2022 WHEN GOING TO SEE YOUR FAVOURITE BALD & BESPETACLED BROKER REALLY PAYS OFF! Aleks* was paying out $4,329 a month on loans worth $385,000, including a $300,000 home loan. Life threw Aleks a personal curve ball in 2019 and 2020, and he took out 5 credit cards and 1 personal loan to help him cope financially.... Then Covid19 arrived in our shores, and Aleks was retrenched. His home loan repayments was put on Covid19 hold for 6 months, and he racked up $80,000 worth of card and loan (unsecured) debts to survive. The cards and loan had an interested ranging from 10.99% to 23.99%. He also began to fall behind on unsecured debt repayments. Thankfully, he found new employment as he has a unique skillset. He knew he has equity in his property to pay off his debts, but didn't know how to proceed as he was embarrassed about his financial situation. His lender also outright said NO. A friend of his - also an existing client of mine - referred him to me just before Christmas 2020. Out of my panel of around 60 lenders, I found one who said YES after days of research and personal phone calls to lenders: Variable interest rate of 4.89% Reducing his monthly loan repayments to $2,226 SAVING HIM $2,103 a MONTH or $485.30 a WEEK! Let your Favourite Bald & Bespetacled broker grow with you; I'm always up for a chat! *Name has been changed

01.01.2022 Why is your Bald & Bespectacled Broker is just a little different from your average broker? Tune in to Property TV at 7pm tonight, to find out why. If you missed the live screening, link to the interview: https://propertytv.io/news/v/1131... Thanks to the very talented and amazing friend Cate Bakos of Cate Bakos Property for inviting me to be interviewed on her show. If you have a spare 0.3 seconds, and this post resonated with you, hit the LIKE button. Or, drop a comment if you agree, or tag a friend if you think this could help. Let your favourite Bald & Bespectacled Broker walk with you along your finance journey. Sign up for my newsletter! DM me to add you to my mailing list. See more