Waypoint Financial in Sydney, Australia | Mortgage brokers

Waypoint Financial

Locality: Sydney, Australia

Phone: +61 408 787 478

Address: Level 4, 75 King Street 2000 Sydney, NSW, Australia

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

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25.01.2022 Be creative with your budget...or better still talk to us...

25.01.2022 Is your super hiding from you? When you change jobs or move house your super fund can lose contact with you. And with multiple super accounts its likely youll lose track of some super payments from previous employers. It can all add up to thousands of dollars of YOUR money. Wherever your super happens to be, well find it for you. Have a chat with us today...

23.01.2022 Monday Motivation.. I hope this motivates you to start what you have been planning to start. You may have been wanting to save some money for something in your future, get a mortgage, pay off your debt or just get your financial affairs in order. It may seem like it will take forever to accomplish, but if you think of it this way... anything that has ever been accomplished started with a single step. If you need help to get there we are here all the way....

22.01.2022 Estate Planning Lessons From Robin Williams... Like so many of us, Im deeply saddened by Robin Williams passing. But Im heartened to hear that he made smart choices for his family when it came to estate planning...

22.01.2022 Good news for mortgage holders... RBA keeps interest rates steady at 2.5%

22.01.2022 Have you got a dream...but does money stop you from chasing it? AMP/Newspoll survey shows 60% of Australians havent pursued their dream because of money. AMPs Tomorrow Fund wants to help passionate and talented people take their dreams to the next level by offering amazing Australians doing great things a share in up to $1 million. Do you fit the bill? Make your dream a reality and get the recognition you deserve.... Apply online today. www.ampstomorrowfund.com.au See more

21.01.2022 Did I get your attention? My intention was to read the Financial Review today but I got distracted by a headline (or two) that I had to click on firstI couldnt help myself. Although I dont keep up with the Kardashians, I was compelled to read about Kims lady lumps. Then I was so far into my clicks I forgot what I was looking for... Oh yeah. Personal finance! ... Why are we humans so drawn into human drama instead of doing something productive? Are these distractions making it difficult for us to meet our personal and financial goals and change our behaviours? I wonder what would happen to a newbie who wants to learn more about finance made a goal to read two personal finance articles a day? How easily would their attention be pulled to a sight that had nothing to do with the subject? Pretty easily I suspect... Either someone LOVES finance and is very interested in it or theyd rather crawl over broken glass than to read the Financial Review. For the non-finance lovers, I have to say, Sorry my friend, you need to be in charge of your financial future more and more. It is vital today to have basic investment and financial knowledge." How can you take control of your own financial education without being hijacked by Kim Kardashian? Find some of your favorite writers, blogs and personal finance sites and subscribe to them. No commercials, no stupid pet tricks or celebrity sightings. All you need to do is read them.. or talk to us... See more

20.01.2022 Never let a small setback ruin your future and ensure you protect what you have (including the income you earn) so if a setback occurs you will still be ok!

19.01.2022 Are you guilty of focusing on the now and ignoring the future?

19.01.2022 Should you rent or buy? This SMH article has certainly had quite the reaction. Whether you choose to rent or buy your home, your ability to generate an income is what allows you to make those mortgage or rent payments. Imagine you get glandular fever, break an arm or have a nasty accident and as a result you require some time off work to recover...would you still be able to meet the repayments on your mortgage, your rent, your car, your credit card and pay any bills after 4 ...weeks, 3 months or even longer if you are not working? No Income. Lots of Worries. Income Protection Insurance will protect your greatest asset your ability to earn an income while protecting you and your family from financial hardship. Were covered..are you? If you would like to have a chat about your current policy, talk to us today. See more

19.01.2022 What are some of the things you wish you didnt do when it comes to managing your money? We all have habits that limit us...things we just cant help doing and we swear we will never do again. It is much easier to work towards changing your limiting habits now than to live with the consequences of them later. To effectively change a habit, you need to understand how you are forming them and what makes a habit, a habit. Its never too late to start over. ... If you werent happy with yesterday, dont stay stuck...try something different today and talk to us. We are here to help you create a healthy relationship with your money. See more

18.01.2022 10 WAYS TO STAY BROKE FOREVER! Why be rich when you can have this much fun? You have no savings or investments - and you havent even thought about retirement! But hey, you have a new car, a beautiful new house and enough clothes to last you until youre 100 years old. Plus, you still have plenty of available credit so who cares about the bottom line when life is this good? Its a good question, and one that many people arent forced to consider - until its too late. ... Check out the top ways you can keep the charade going and stay broke! 1. Finance everything 2. Pay the minimum - on everything 3. Spend it all 4. Buy a huge house 5. Buy a new car 6. Take a vacation 7. Buy more toys 8. Pay more when you can 9. Shop every day 10. Eat out every day Youve earned it? That feeling of being on top is something only money can buy. Money is made to be spent...right? Okay, wrong! This is where common sense finally kicks in. If theres anything that feels amazing, its knowing you have money in the bank. The ultimate luxury is not a new car, designer wardrobe or designer shoes; its savings pure and simple. Dont you know that excessive spending went out of style with shoulder pads and scrunchies? If you need some help to manage your spending, talk to us today...before its too late! See more

17.01.2022 Do you watch The Block? Would you like the chance to win $20,000 to help fund the property of your dreams? Enter this Blocktastic Competition now. Watch the Beyond the Block episode via this link, answer the question and Good Luck?

17.01.2022 DOES YOUR PARTNER KNOW HOW MUCH MONEY YOU HAVE? One of your clients has revealed her secret to a happy marriage. She says she has never told her husband how much money she has and they have never argued about money. She keeps her finances in separate accounts, and her husband doesnt even know how much she earns. She says all of the pairs household expenses are split down the middle. Do you think this is a bit extreme?

17.01.2022 Need some Friday Inspiration? "Your money habits and investment strategy is not all about what you do, but much about who you are. Become the person it takes to do, succeed, and innovate. Amah Lambert

16.01.2022 The Australian population is woefully under-insured and uninsured. Nicole and Tom came to talk to us last week. They have 2 small children and Nicole is on maternity leave. This couple has a total debt of $650,000. Toms life insurance policy in super will pay him $80,000 in the event of his death.... $80,000 life insurance would relieve some of this debt for Nicole, but she would have to take on the remaining debt of $570,000 plus the day to day living expenses such as school fees, food, car re-payments etc.. Remember, Nicole is not working, so she would have to go back to work to make ends meet. Wouldnt her life be so much easier if she had no debt remaining and some extra money to relieve the financial pressure in this emotional time? As painful as it might be for your family to go on without you it would be even more painful for them to go on without anything. Fill the gap by talking to us today and let Waypoint Financial review your current policies in and out of super. Your family will thank you for it! See more

15.01.2022 Have you lost $3,000? Thats the average balance of a lost or ATO-held super account in Australia. If youve changed jobs, done casual or part-time work, moved house or changed your name, there is a chance you may have unclaimed or lost super. We can make it easy for you to find any lost super, consolidate your super if you have more than 1 account and we can help you keep track of it.

15.01.2022 Dont regret the risks you failed to take. Whats life without a little risk?

14.01.2022 There only 20 weeks till Xmas! I absolutely love giving gifts, but lets be honest, Christmas can be a real strain on the budget. It s a time that often sees credit cards maxed out and the pain of these actions is often not felt until January when the Christmas spending hangover kicks in. Here are 5 steps you can take now, to help make your Christmas debt and stress free; 1. Set a Christmas budget now to determine how much you can afford.Break it down into categories like Pr...esents, Food, Drink, Decorations etc... 2. Save a set amount each week. Youd be surprised at how much pocket change adds up over time. 3. Start shopping now. It will be a lot easier to afford one or two presents a week as compared to buying everything right before Christmas. Take advantage of the mid year sales that are on right now. 4. If you have a big family, Secret Santa may be a good idea 5. Hand-made gifts. For just a few dollars and with a bit of time you can make meaningful gifts that are sure to bring smiles. Check out 101 handmade gifts to inspire your inner crafty self . http://www.iheartnaptime.net/handmade-christmas-gifts/ Do you undertake some mid-year planning for Christmas? See more

14.01.2022 Whatever your plans are today, they can play a big role in shaping your tomorrow.

11.01.2022 Are you planning to get your finances in order in the 2016? Why wait? Get your finances in check now to ensure you do not suffer from the dreaded post Xmas financial hangover in January (and beyond). Let us help you take control....your consultation is free so book your appointment here today.

11.01.2022 Budgeting and saving money can be challenging, but its worth it,

07.01.2022 Are you paying a premium for an Income Protection policy inside an Industry Super Fund? Do you know that you may never be able to claim on this policy if an illness or Injury left you unable to work? We had a 55 year old lady visit us today desperate for help. She had been diagnosed with cancer and because of her on-going treatment could not continue to work. Her Income Protection Benefit inside her Industy Super Fund was $850.00 a month.... She went to Centrelink first when she could not work and they paid, and continue to pay her $1,020.30 a month. Therefore, she could not claim on her Income Protection as she was already receiving a higher income from Centrelink even though she was PAYING the premiums for this insurance for years. Imagine if she was insured for $3,000 a month (her income) before her illness? What if? She would have received an extra $1980.00 per month to help her pay for her day to day expenses and medical bills. She is now struggling financially. Being Underinsured is a huge problem in Australia. If the unfortunate happened, who will pay your mortgage/rent? Who will pay for food on the table? Who will pay for your day to day bills such as the water and electricity bills and school fees etc? Your income is the ONE thing that gives you the ability to pay for all these things. So PROTECT IT! Dont wait till its too late. We are happy to review your current policy or answer any questions you may have...so talk to us today. See more

07.01.2022 Want to be rewarded for your healthy choices? Silly question? If you look after yourself, eat well and exercise, you are less likely to make a claim on your insurance policies so we believe you should be rewarded. We welcome you to join the award-winning AIA Vitality program. This program offers Australians life insurance that rewards a healthy lifestyle by offering their members; 1. Savings on insurance premiums 2. Motivation to create and sustain a healthier lifestyle... 3. Rewards for being healthy by receiving discounts at AIAs partners, which include Qantas, Hoyts, Myer, Aussie Farmers Direct and many more. You too can be a part of this health and wellness program when you get covered under an eligible AIA Australia life insurance policy through Waypoint Financial. To find out more, talk to us today and check out the AIA Vitality face book page https://www.facebook.com/AIAVitalityAU/timeline See more

05.01.2022 Your ability to generate an income contributes to building your wealth. So what would happen if that capacity was taken away or reduced due to illness or injury? Could you and your family survive on one or no income for more than 3 months? Your ability to generate income is actually your greatest asset...dont risk it..its worth protecting.

04.01.2022 One in three Australian women does not have a single cent in superannuation. A study by the Association of Superannuation Funds of Australia found 35 per cent of women have no money stashed away for retirement. Women need to take extra care of their financial futures as research shows theyre more likely to earn less, have time out of the workforce to raise a family, and work part-time. Whether retirement is a long way off, or just around the corner, whats your plan for the future?

04.01.2022 James and Ali came to see us looking for ways they could save some money after digging through old receipts and bills at home. They forgot to look closely at what happens to be their biggest household expense: their mortgage. Whats your rate? we asked them. James and Alis rate started with a 5. They could probably do better which means there is a solid scope for extra savings. What could I save? ... On their current loan of $300,000 (30 year variable loan) at 5.6%, they pay $1722 a month. If they refinance to a 4.6% loan they will pay $1537 per month. Thats a saving of $185 per month. Thats over $2,000 a year. What a saving! Know that if youre halfway through a fixed-rate loan you may be charged a break fee cost to leave. With the right advice saving money on your mortgage could be easier than you think. Talk to us today. See more

04.01.2022 Keira Knightley makes less money than you think! Keira Knightley is one of the wealthiest actresses under the age of 30. Her net worth is estimated at around $50 million and last year her company brought in $2.5 million in commercial and film deals. Despite this, she only pays herself about $50,000. Her idea of wealth is in the richness of experiences. All you need to do is take a look at her wedding photos to understand what she means. She reportedly recycled a Chanel gown... she wore to a 2008 party, saying it was her something old. And then she spilled red wine all over the front of it. And left it like that. And did we mention it was Chanel? Ah yes, rich experiences indeed. See more

03.01.2022 When was the last time you checked your home loan rate? Take Advantage of Low Rates and slash your mortgage. A period of low interest rates is a good time to reduce your mortgage because small amounts of cash go a long way. Ask us how to set up a strategy!

03.01.2022 Budgeting tip of the week - SET & FORGET to an island holiday! Why dont you get together with a friend and set up a joint holiday account into which you could each contribute $40 a week. How much could you save in 18 months? Maybe you will be so encouraged by the growing balance that you might even add a little extra to the weekly savings amount. Shop around for any travel deals that are on offer when you get closer to the time of travelling (saving you some more $$).... By saving ahead, it will feel like the holiday is not costing you or your friend anything. The savings are made via automatic payments so its a "set and forget" strategy. Talk to a friend and plan the island holiday you have always dreamed of... See more

03.01.2022 Reality check: are you happy with your current financial state? If you feel like you have lost the inspiration, maybe its time to do something about it and ask for a little help.....

02.01.2022 Your financial goals are personal..only you can reach them.

02.01.2022 Estate planning lessons from James Gandolfini... We all can learn a thing or two about celebs, especially when it comes to estate planning. James Gandolfini, better known as Tony Soprano, died suddenly in Italy while vacationing with his son not very long ago. Even though Gandolfini had started working on his estate plan, he never finished it. ... Maybe it was a lack of time or he kept forgetting, but had he completed his plan, his heirs would have avoided the publicity and taxes. It is estimated that his estate was worth $70 million. Studies show that at least 45% of Australians do not have a valid Will meaning the law decides where your assets will go, potentially favouring relatives you resent. A Will is the best way to help ensure your assets are passed on to the people you care about.. See more

02.01.2022 2015 has been another busy and exciting year for us here at Waypoint Financial. We are very grateful to all of you for your ongoing support and thank you for your trust in us. From all of us here at Waypoint Financial, we wish you and your families a happy and safe Christmas. Very best wishes for a prosperous 2016 and we hope it brings with it further good health, happiness and success.

01.01.2022 On a budget? Here are 50 tasty, fun and often free things to do in Sydney this winter - all for less than a $50 dollar note.

01.01.2022 Are you ready to take control of your finances? Were ready to help....