X Inc Finance Current Newsletters
- Interest rates and the home loan market - John Kolenda, Executive Director
Unsurprisingly, the official cash rate set by the Reserve Bank (RBA) has been left on hold this month as the RBA waits to see the results of the stimulus package and any new measures introduced in next week's Federal Budget.
- Acid test ratio - Colin Nicholson
The Acid Test Ratio is an additional figure you can look into when deciding whether or not investing in a particular company is a smart financial move.
- Tax time thoughts - Arthur Kassos
Everybody should start getting the records in shape from now so when 1st July 2009 arrives you can lodge your tax return early, especially if you have refunds due.
- Calls for extension to First Home Owners Boost - Greville Pabst, WBP Property Group
The rush from first home buyers to secure a position in the tightening property market has prompted discussions regarding the need to extend the First Home Owners Boost
- Rents on the rise, investors jump in - Alex Henderson, Prosper Group
With property values now on the rise, the strongest feature of the property market has been the exceptional growth in weekly rental rates across houses and units.
- Using a self-managed super fund to invest in property - Defence Housing Australia
Many Australians with self-managed super funds are now taking advantage of recent changes to superannuation borrowing laws to invest in property.
- Functional foods - Judy Davie
Functional foods are foods included in the diet, which, over and above their role in basic nutrition, have the added physiological benefit of reducing the risk of specific conditions.
- Rate cut a step in the right direction - John Kolenda, Executive Director
The decision by the Reserve Bank this week to cut official interest rates by a further 0.25 per cent to 3.00 per cent, after leaving them on hold last month, is another step in the right direction for our economy.
- Getting your timing right - John Kolenda, Executive Director
Whether you are refinancing or looking at securing a new home or investment loan, as a borrower you need to be aware of the timeframes involved to reach settlement.
- Current ratio - Colin Nicholson
The starting point for analysis of a company for possible investment is whether it has enough working capital.
- Taxation tips - Arthur Kassos
30th June is just around the corner so make sure you start thinking about any tax planning from now otherwise you may find it's too late.
- The effect of bushfires on property values - Greville Pabst, WBP Property Group
Anecdotal evidence suggests the prices of properties in or near fire affected areas often dip 10-20% immediately following bushfires.
- A view from investors - Defence Housing Australia
Interest rates have dropped significantly, rental yields have risen and the population is growing - all indicators that demand for good investment properties will be strong now and into the future.
- The importance of breakfast - Judy Davie
A good breakfast will boost the metabolism, kick start you into the day, accelerate the removal of food 'residue', and provide enough energy for the body and mind to function efficiently for most of the morning.
- Special Promotion: Nivosa Court - Melissa Thurgood, Ray White Real Estate
Three subscribers to The Insider will be offered the opportunity to secure one of the prime residential blocks located at Nivosa Court, at a heavily reduced price.
- Opportunities despite rate hold - John Kolenda, Executive Director
The Reserve Bank has taken a breather this month in the interest rate cutting cycle to assess economic data and the effect of the Government’s stimulus package, but that doesn’t mean that interest rates have bottomed out.
- First home buyers must act now - John Kolenda, Executive Director
If you are a first home buyer and want to purchase, now is definitely the time.
- Net tangile assets - Colin Nicolson
A closely related term to last month'sBook Value is Net Tangible Assets, also usually expressed as an amount per share.
- Self funding property investment - Greville Pabst, WBP Property Group
With the continued decline in interest rates, falling property values, and rising rental yields, property investment in the lower to middle market range is now almost entirely self funding.
- Friends with benefits: a property co-investing case study - Defence Housing Australia
Property co-ownership is not just for first-home buyers seeking to overcome housing affordability issues.
- Confused over what oil to use? Judy Davie
If you're confused over which oil to use, you're certainly not alone.
- Cash rate to hit 2 per cent - John Kolenda, Executive Director
Yesterday’s move by the Reserve Bank to lower the cash rate a further 1 per cent to 3.25 per cent, its lowest level in 45 years, is a welcome move for borrowers and buyers.
- Is now the time to fix? John Kolenda, Executive Director
Given the current predictions, if you can, you should be patient and shop around to source a good fixed rate.
- Book value - Colin Nicholson
Book value is also called shareholders funds or shareholders equity and is a way to measure the value of a company.
- Government 'give aways' could equal cash in the hand - Arthus Kassos, CPA
With money being so hard to obtain these days, every dollar counts and when the government is "giving away" money you should take advantage of it, whether you are a business, family or individual.
- The value of a valuation - Greville Pabst, WBP Property Group
To gain a better idea of the factors influencing the value of your property, it is worthwhile taking a look at what a professional valuer looks for.
- Drop and give us 3 reasons to attend DHA boot camp - Defence Housing Australia
Attention! Defence Housing Australia (DHA) is enlisting recruits for investor boot camp.
- Calcium and weight loss - Judy Davie, The Food Coach
We all know that calcium help us grow and maintain strong healthy bones, but did you also know that it can help with weight loss?
- Exclusive offer on Martha Cove Marina Apartments - Stephen Brooks, Ray White Real Estate
Experience water-front living at its best with an exclusive offer on one of two apartments in Martha Cove.
- Best wishes for 2009 & Farewell! - Jennifer Nielsen, CEO
Happy New Year!! As we all return to work and for many of us, our credit card bills, bear in mind that mortgage rates aren’t the only interest rate you can negotiate.
- 2009 showing early signs of promise - John Kolenda, Executive Director
2009 will be one of the best years in history to venture into the property market. The combination of low interest rates, softer property prices and government incentives made the housing market particularly appealing, especially for first time buyers and the opportunities for first home buyers are unprecedented.
- What is market depth? - Colin Nicholson
I once heard a new investor ask whether the term market depth meant a way to measure whether he was out of his depth on the stock market! The real answer is quite different and, like most market jargon, is simple if explained in plain English.
- PAYG and ATO Payments – think carefully! - Arthur Kassos
The government’s offer to defer the December quarter payment of 20% of your PAYG Instalment until June 2009 will help many businesses. But it will only really help if that money is properly utilised.
- New market direction in 2009 - Greville Pabst, WBP Property Group
The September quarter ushered in a welcome reprieve from a turbulent stretch in 2008, sending the property market in a new direction..
- 5 reasons to invest in 2009 - Defence Housing Australia
Last year we saw international markets plummet and Australia’s economy waiver slightly, but with 2008 now behind us, if you are thinking of investing at all, 2009 will be a year of opportunities galore!
- Serving size - what's acceptable? - Judy Davie
Many people who eat well still struggle with weight loss because they eat too much. One way to combat this is to make sure your serving sizes are within the required guidelines - not too big, and not too small.
- Competition winners
- Capital cities becoming more affordable - Jennifer Nieslen, CEO, Loan Market Group
One man's loss is very much another man's gain with the release of APM's quarterly house prices this month.
- First home buyers hold all the home loan aces- Jennifer Nieslen, CEO, Loan Market Group
There has never been a better time in history to be a first home buyer. With deposit saver options, very generous First Home Buyer Grants at the federal and state level, falling real estate prices, falling interest rates and special home loans for first home buyers, first home buyers definitely hold all the trumps.
- First home buyers urged to buy real estate now - Greville Pabst, CEO, WBP Property Group
In addition to the positive influence to inadequate housing supply, the stimulus package is anticipated to result in a flow-on effect to address issues of rising unemployment and reduced retail spending.
- Got a tax bill you can’t pay? - Arthur Kassos CPA
This financial crisis has been a big wake-up call for everybody and there are many businesses and individuals who have been caught with big ATO bills from last year just as the business this year is starting to slow significantly.
- How do Share Rights Issues Work? - Colin Nicholson
When a company is formed, the owners are given shares in proportion to the capital they contribute. When new capital is needed by the business, one way to raise more money is to sell more shares. The word issue refers to the marketing of new shares in a company
- Last change promotion – one of Australia’s most secure property investments - Defence Housing Australia
Ray White will auction 73 Defence Housing Australia (DHA) tenanted properties throughout the ACT, NSW and Queensland on the 19th, 20th and 21st of November respectively - offering investors a secure, predictable and easy-to-manage property investment opportunity.
- Sweat it out in summer - Judy Davie
Summer is the season to naturally detoxify the body, with minerals, oils and trapped toxins released through sweat onto the skin's surface.
- Special promotion – win a new pair of shoes valued at $380
Say goodbye to back and joint pain with MBTs, the anti-shoe.
august newsletter
At its meeting on 1st July, the Reserve Board decided to leave the cash rate unchanged at 7.25 per cent. Probably the most important outcome of the meeting was not what was said, but rather how it was said.
Happy New Financial Year! Just like at the 1st January, you should've made some financial New Year resolutions by now!
Last month we looked at how the debt to equity ratio is calculated. This helps to understand what it is, but generally the calculations will already have been made for you in various publications and on the internet.
Whilst everyone is talking gloom and doom in the market place, and buyers are dubious about where to put their investment dollars, the property market is showing all the characteristics of the place to be.
Thinking a renovation might give your property the edge in today's buyer's market? Here are some matters to consider before your renovation can be regarded as worthwhile - let alone valuable!
DHA is one of Australia's most secure property investment opportunities. No other property investment can match the security offered by our long-term lease arrangement, including zero vacancy risk and guaranteed rental income for the term of the lease.
Remember the film the LA story when taking the coffee order was more complicated than a 6 course banquet? It's happening with eggs.
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