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Australian Property Update

October 2020 Property Update by one of Australia's best Okay, welcome, everybody. Welcome to the Pacific East Coast property focus, apologies for the technical delay and issues we had earlier today. We have a little bit of an issue with the service provider that we use over in the US. ...
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money

How do I avoid paying tax when self-employed?

How not to pay tax when self-employed? Many self-employed people earn a good living. But even if your overall annual income is strong, the flow of money is not always regular. It can be weeks or even months between paycheques. To help with your cash flow, only make larger purchases ...
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property

How Can I Be The Best Landlord?

Tips on being the best landlord. Better landlords attract better tenants. Why? If you consider your rental properties as a business, then your tenants are your customers. You’re providing a service that they’re paying for. In that case, wouldn’t you want to keep your best customers for as long as ...
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accounting

How do you attract accounting clients?

Are you interested in more accounting clients? Whenever a professional leaves a company job to start their own business, they realise that they need to wear a lot more hats in their own business. Two of the most important hats are sales and marketing. You may bring 10 years of ...
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small-business

How do I start a small business in Australia?

Ever wondered how to start your own business in Australia? Embarking on a new business venture is both exciting and terrifying in equal measure. On the one hand, you'll finally be the boss; the master of your destiny who's pursuing success in something that you're truly passionate about. On the ...
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property investing

What Is Good Cash Flow On A Rental Property?

Questions about Good Cashflow on Rental Property? An essential concept aspiring landlords and real estate investors need to grasp before diving into rental real estate is how to calculate rental property cash flow. After all, cash flow is the lifeline of a rental real estate business. Luckily, calculating cash flow ...
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money

How do you buy multiple properties?

Buying multiple investment properties and growing a large property portfolio is something that few Australians ever achieve. But for those who do buy multiple investment properties, they find themselves substantially better off than the rest of the population. Owning a large portfolio of properties means you get to take advantage ...
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money

How do I make a property portfolio?

Property is a popular investment strategy for Australians, but like any type of investment, there are risks to be weighed up alongside the potential rewards. It’s vital to be well informed about the pros and cons of property investment before you begin building a portfolio. A successfully managed portfolio can ...
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Can I be my own accountant?

If you're thinking of starting your own business, you need to start investing in the tools and resources that will make your job easier and put you in a position for success. Part of that investment is figuring out which aspects of regular business maintenance you can do yourself, as ...
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Is Real Estate Still A Good Investment?

Billionaire Andrew Carnegie famously said that 90% of millionaires got their wealth by investing in real estate. We wanted to know: Is this still true? Is investing in real estate always a good idea? Absolutely! However, real estate investing for the regular investor is not a get rich quick scheme. ...
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Can I Buy A Property With My Smsf?

Superannuation is full of the terminology, but one term that's used quite a bit is "real business property". In a nutshell, it means property that's used by a business – for example, a factory, a shop or an office – as opposed to "residential property" which is property people live ...
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hands exchanging house and money

Are financial planners worth the money?

When it comes to finances, a lot of us are wandering through the dark. Over one-third of Australians don't feel confident when it comes to managing their money, and a similar proportion finds finances to be stressful and overwhelming, according to the Australian Securities and Investment Commission (ASIC). The same ...
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coin piles with clock

6 Types Of Investments: What Will Make You The Most Money?

Investing intimidates a lot of people. There are a lot of options, and it can be hard to figure out which investments are right for your portfolio. This guide walks you through 10 of the most common types of investment and explains why you may want to consider including them ...
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Why Local Representation Is Important When Investing in Australia

Foreign Investment can be a tricky and confusing process. Having professional representation to be your eyes and ears on the ground are pivotal in ensuring you get the best deal, as well as follow all the legal requirements of the country you are investing in. At ARE Property we are ...
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coin piles with clock

Setting Up Your SMSF – Costs to Consider

How much money do I need for an SMSF? Self-managed super funds (SMSFs) are the fastest-growing sector of the superannuation market, and it's no wonder why, with so many benefits to be had. They provide individuals with greater control over their finances, flexibility and investment options, but there are also ...
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couple sitting on floor during house renovation

SMSF Property and Renovations

Can I renovate my SMSF property? An exciting part of owning property is able to renovate it, but doing so becomes a little more complex inside your Self Managed Super Fund (SMSF). If your fund owns a property outright, meaning your fund has not borrowed to buy the property, you ...
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happy retired couple sitting at desk with laptop

Borrowing from your Superannuation Fund

Can I borrow from my superannuation fund? There are significant advantages to having a property in a Self Managed Super Fund (SMSF) with the most obvious being the tax rate for income derived in your super fund being taxed at a considerably lower rate than income tax (namely 15%) as ...
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mother with baby stressed by finances

Investment Failures

Why do most investors fail? It has happened to most of us at some time or another: You're at a cocktail party enjoying your drink and hors d 'oeuvres and "the blowhard" happens your way. You know he's going to brag about his latest "giant accomplishment." This time, he's taken ...
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melbourne yarra river at night with buildings in background

What are the biggest mistakes investors make?

Making mistakes is part of the learning process when it comes to trading or investing. Investors are typically involved in longer-term holdings and will trade in stocks, exchange-traded funds, and other securities. Traders generally buy and sell futures and options, hold those positions for shorter periods, and are involved in ...
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man holding house hologram

What is the difference between yield and return?

The primary purpose of most bond funds is to provide investors with income. But those who focus exclusively on a bond fund's yield are only seeing part of the picture. Investors must also consider the fund's total return, which is the combination of yield and the return provided by principal ...
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clock with the words time to invest

What is yield investing?

Investing is all about getting a return on your money, and the best way to know how you’re doing on that front is to calculate the yields of your investments. That is, find out how much income each of your investments promises to earn relative to its value in the ...
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blue investment word

What is the six-year rule for capital gains tax?

Investment properties are usually subject to capital gains tax (CGT). This means that a portion of the money you make as profit on real estate assets is given to the government when you sell. This can be a substantial sum, potentially worth hundreds of thousands of dollars and is usually ...
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Should You Rent or Sell Your Property?

Is it better to rent or sell? Chances are, your current home won’t suit your needs indefinitely. If you’re living in a small starter home or a condominium, you may want to upgrade to a larger house as your family grows. If you’re already in a large residence, you may ...
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rental income on blackboard with house in front

Things to Consider Before Becoming a Landlord

Is it worth becoming a landlord? Investing in property commercial or residential for letting purpose is not a route to get rich quickly. Investing in Buy to Let is a better investment than leaving money in your bank account or some other investment options. However, it is not a route ...
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buying property online

COVID 19 and the Real Estate Market

As the Federal Government prepares to relax some COVID-19 lockdown restrictions to kickstart the economy, real estate industries are getting ready to go back to business. NSW and the Northern Territory were the first to lift bans on open for inspections and on-site auctions, and agents are wasting no time. ...
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man holding house hologram

The Top 9 Benefits of Downsizing Your Home

Downsizing your living arrangements has become a popular topic in the financial community and rightly so. There are many financial benefits to downsizing your home such as reduced expenses and increased cash flow as well as enabling you to add more to your retirement assets. Pair those with other lifestyle ...
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Upsizing Your Home – Things to Consider

The Australian dream used to be a house with a white picket fence. Is it now a two-storey mansion with security cameras and a 30-metre lap pool? Sometimes upsizing is a necessary move. It can act as a natural part of growing your capital and planning for your future. However, ...
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sold sign on house

Should you sell or rent your home?

Should you sell or rent your home –  that is the big question many homeowners are asking themselves. There may come a time in your life when you have to (or choose to) relocate, whether it be for professional or personal reasons, and you are faced with the decision on what ...
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happy retired couple sitting at desk with laptop

Top 20 Things to Consider When Setting Up an SMSF

Superannuation is the backbone of retirement and a key tax minimisation lever for Australians. Regardless of whether your superannuation is held in a traditional super fund or you are considering setting up an SMSF (of which the benefits over a traditional super fund can be numerous), the right investment mix and the right fee ...
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sold sign on house

How to Invest in Property with Little Money?

Just because you’re not flush with funds, doesn’t mean you’ve got no chance of starting a real estate investment portfolio.  Having little money need not be an impenetrable barrier to property investment, provided you’re smart about it and consider a few key ideas throughout the process. If you are a ...
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blue investment word

Using your self managed super fund (SMSF) to buy a property

For most Australians, superannuation is a relatively simple proposition. You or your employer make regular contributions into an industry superannuation fund of your choice, and that money is then invested on your behalf – usually into shares – so that by the time you reach retirement, your super balance has ...
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stamp duty and green house

Is stamp duty facing the axe in Australia?

Of all the taxes people pay, stamp duty on property purchases is one of the most hated. With a price that bears no resemblance to the actual cost of “stamping’’ a property transfer and a payment tax scale that was formulated when a million-dollar house could only be found in ...
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adult kids moving home

Rental Vacancy Rate Rise Amongst COVID 19 Pandemic

Rental Vacancy Rates Sore Nation Wide as One in Six Australians Change Living Arrangements due to COVID 19. About one in six Australians have changed their living arrangements due to the coronavirus pandemic. Australians are moving home to their parents, taking on additional housemates, delaying plans to move and even ...
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couple sitting on floor during house renovation

Costs of Selling Your Property

How much can you expect to spend when selling your home? Most of us are aware that selling a house costs money. Sometimes we aren't mindful of how much money the sale of a home requires. Some costs are unavoidable, while others are voluntary. The question you need to ask ...
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meeting on finances

The Hidden, the Upfront and the Ongoing Costs of Buying A Home

What are the upfront and ongoing costs of buying a property? You've spent practically every Saturday since Christmas driving from inspection to inspection at breakneck speed, braving the crowds in case your dream home happens to be the next one. When you finally find a place to call home you ...
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apartment building

Methods to Buy & Sell Property

What method do I use to buy or sell my property? Rent money is dead money. Property always goes up. You know them all. We've heard them at every BBQ for the past 20+ years. Us Aussies are property obsessed. For many, owning an apartment or house is not only ...
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blurred house in foreground with coins in background

Buying A Property – The Hidden Fees & Costs

How much does it cost to buy a property? We're all aware of rising house prices and staggering medians – $1.1 million in Sydney for example – but what is the cost of buying a house after the tax office, revenue office, lender, lawyer, and conveyancer have all taken their ...
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blue investment word

Investment Property Depreciation 101

How To Claim Depreciation On Investment Property? Depreciation is something that will help your bottom line come tax time. Just as you can claim wear and tear on a car purchased for income-producing purposes, you can also claim the depreciation of your investment property against your taxable income. Claiming depreciation ...
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blurred house in foreground with coins in background

Low Income Property Investments

How to buy an investment property on a low-income? Buying a $400,000 property with just $5,000 money down. It sounds like an instantly dismissible headline on a flyer, but it is achievable if you know what you’re doing. If you’re a prospective investor or even a seasoned property buyer, and ...
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mother with baby stressed by finances

COVID19 – A Renters Guide on Negotiating with Their Landlord

Can't Pay Rent This Month? There have been several major announcements in the past week, some of which impact landlords and renters – but the details remain sparse. The lack of information has created confusion for all those concerned, including the property managers who are trying to help them.  While ...
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blurred house in foreground with coins in background

COVID19 – Property Market Impact

It’s a commonly searched question since the coronavirus and COVID-19 outbreak. How will the Coronavirus affect house prices? In short, yes. Of course, it will. It is going to affect every part of our economy and lives over the coming months. The silliness of the Great Toilet Paper Shortage goes ...
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buy or rent writtten in sand on beach

To Rent or Buy?

To rent or to buy? It’s a dilemma that may seem hard to resolve. To help you make your decision, we weigh up some of the pros and cons of renting a home, buying or doing both. Since 2016, homeownership in Australia has been on the decline. And, with an ...
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hard hat tape measure paint and bucket on renovations plan for house

11 Things to Consider Before Renovating

Are you feeling inspired to take a run-down wreck and make it new again? It all looks so glamorous and straightforward, with random 'beautiful people' tucking their perfectly styled hair into oddly flattering hardhats. But the reality of a large-scale renovation project is very different from the 'TV reality.' Renovating ...
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property investment around carlton melbourne

22 Tips when Investing in Australian Property

22 Tips when Investing in Australian Property Property is one of the most popular investment options in Australia and a great way to build your wealth. However, it's a long-term commitment that isn't for everyone. Consider the following benefits and risks to help decide if it's the right option for ...
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property investment around carlton melbourne

Taking charge of your super will pay big dividends later

Take Charge of your Super & Receive Big Dividends Later Figures quoted by the Association of Superannuation Funds of Australia show that Australians aged under 30 years usually have less in their bank accounts than in their super funds. Despite this, 40 percent of those surveyed don’t know their super balance. A further 16 ...
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brighton beach houses

Costs of Buying a Melbourne Property in 2020

Costs of buying a Melbourne property - the obvious and the hidden that first home buyers need to know. Are you thinking of buying a house and becoming a homeowner or Melbourne landlord? Then make sure you do your sums and budget for all the costs that come with owning ...
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coin lending money jar

Foreign Investment and Lenders Mortgage Insurance

Foreign Investment and Lenders Mortgage Insurance There is no denying the fact that Australia is the place to be if you want the best of culture, lifestyle, and even investments. We talk about common property investment mistakes here. The land down under remains to be one of the world's most ...
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city centre CBD

Being a Landlord in Australia – Your Obligations

Being a landlord is more than just collecting rents and maintaining the property. It's about relationships, open communication and mutual trust. As a landlord, it's vital to understand your rights and responsibilities so that you don't fall foul of the legislation in your state. Renting out a property as a ...
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meeting on finances

Capital Gains Tax & How to Avoid It

Capital gains tax is an area of taxation that often confuses property investors. The legislation can appear complicated, however, all investors need to have a good understanding of it before selling an asset. What is Capital Gains Tax Capital Gains Tax was introduced in Australia in 1985 and applied to ...
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skyscraper buildings of Melbourne

Melbourne to Overtake Sydney As Nations Most Populous City in 2020

Melbourne is ready to overtake Sydney as the nation's most populous city during the 2020s for the first time since the gold rushes of the mid-19th century, increasing its political power, global status and economic strength over its traditional rival. Higher growth is being driven by rising birth rates, steady ...
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melbourne streets

Essential Guide to Retirement Planning

Essential Guide to Retirement Planning Retirement is the concept of an individual ceasing from the workforce. The individual generally stops exerting their personal labour to earn an income and uses their accumulated wealth to derive a passive income to fund their lifestyle. Retirement is not a black and white event. ...
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Top Tips for First Home Buyers

Buying Your First Home? Some of the considerations you're likely to come across when buying your first home. For many Australians, buying their first home marks a significant and memorable milestone. Buying a house is the single most significant investment a person or family will make. Still, it can be ...
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property investment around glenroy in melbourne

Building Melbourne and Victoria for Better Investment Opportunities

Building a Better Victoria Melbourne is Australia’s second-largest city in terms of population – but probably not for much longer, with many analysts predicting the city to outpace Sydney in the next decade or so. Melbourne continues to take a top rank as one of the world’s most liveable cities. ...
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brighton beach houses

7 Ways Australian Property Markets Are Different

Why Australian Property Market Is Different They say Australia's property market is a giant speculative bubble propelled by tax breaks, low-interest rates and "liar loans" that have led to mortgage stress. It is speculated that as a result, it's all about to go bust, bringing down the banks and the ...
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australian animal

Common Property Investment Mistakes

Common Australian Property Investment Mistakes Buyers Make When it comes to buying an investment property, experts agree that the key is be informed. But it’s just as important to do your own research. If you were asked what do you feel more comfortable with, investing in shares or property? The ...
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melbourne infrastructure

Melbourne Victorian Infrastructure Developments

Victorian Melbourne Infrastructure Update More than $100 billion worth of new roads, rail lines, hospitals, skyscrapers, prisons, wind farms and other infrastructure is being built or planned in Victoria as the state’s surge in the delivery of major projects gathers pace. A spike in investment by governments and businesses in ...
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Melbourne property update

Property Update – 7 Melbourne Suburbs Reviewed

Melbourne Property Investment Update Some of the most affordable suburbs Melbourne has to offer hold great opportunities for property investment. Rapid growth rates, accessible entry prices and good rental returns mean there is such a thing as high performing, affordable suburbs - perfect for a savvy investor or start up ...
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tax strategies on paper

Australian Tax Strategies for Foreign Investors

Tax Strategies for Foreign Investors   Investing in Australia The Australian Government welcomes productive foreign direct investment. It has helped build Australia’s economy and contributes to economic growth, innovation, and prosperity. To protect Australia’s interests whilst maximising investment flows, certain foreign acquisitions of Australian shares and assets are reviewed by ...
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FIRB australian logo

FIRB – What is the Foreign Investment Review Board

What is the Foreign Investment Review Board (FIRB)? Australia has a foreign investment approval regime that regulates certain types of acquisitions by 'foreign persons' of equity securities in Australian companies and trusts, and of Australian businesses and Australian real property assets. The Foreign Investment Review Board (FIRB) is a non-statutory ...
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coin growing money tree

Pros and Cons of a Self Managed Super Fund (SMSF)

Investing in property though a self-managed super fund (SMSF) has grown in popularity in recent years, particularly since it became possible for SMSFs to borrow money to fund a direct property purchase. This is an area where you really do need to make sure you know what you’re getting into. ...
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melbourne city at night

Foreign Owners Tax on Australian Properties

If you are a foreign resident and you earn rent from an Australian property: You should lodge a tax return each year and include your “net rental income,” that is, rental income minus rental deductions. Deductions include loan interest, holding costs, estate agent’s fees, and repairs. The financial year in ...
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kangaroo in melbourne

2020 Foreigners Guide to Property Investing in Australia

The 2019 Ultimate Foreigner's Guide To Investing In Australia This guide serves as an introduction to property investment in Australia from a foreign investor’s perspective, along with the regulations and processes involved should a foreign investor decide to purchase an Australian property. If you're an investor looking to speak to ...
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20 Must Do things in Melbourne with Business Clients

3-Hour Small-Group Melbourne Walking and Bar Tour with Local Guide Walks 101 - Tours in Melbourne Address: Madame Brussels New Gold MountainPhone: 0061 (87) 2285 255 Overview Sip your choice of drinks on a 3-hour bar and walking tour in Melbourne. Stroll with your guide to four locations for cocktails, Australian wine, and beer, stopping into a classic pub, ...
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Best Melbourne Wine Tours to take Business Clients

Mornington Peninsula Day Trip from Melbourne Bunyip Tours Address: Arthurs Seat Eagle Sunny Ridge Strawberry FarmPhone: 0061 (87) 2285 255 OverviewSpend a delightful day exploring the beautiful scenery and culinary treasures of Mornington Peninsula on this full-day trip from Melbourne. Visit the historic Point Nepean National Park and Murray’s Lookout for majestic ...
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wealth advisors melbourne

Top 20 Best Hotels While Staying in Melbourne for Business

Quality Hotel Batman's Hill on Collins Hotels in Melbourne Address: 623 Collins St, Melbourne VIC 3000, AustraliaPhone: +61 3 9614 6344 Website: https://www.batmanshill.com.au/AboutBatman’s Hill on Collins is a charming historical hotel conveniently located in the heart of Melbourne CBD, opposite Southern Cross Station and the Skybus Airport Shuttle’s city terminal. Our beautiful hotel ...
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melbourne city

Top 20 Restaurants in Melbourne CBD to take a client

Curry Vault Indian Restaurant and Bar $$ - $$$, Indian, Vegetarian Friendly, Vegan Options Address: 18-20 Bank Pl, Melbourne VIC 3000, AustraliaPhone: +61 3 9600 0144Website: https://www.curryvault.com.au/Great food and friendly service.I booked for a family gathering and had to add an extra person at short notice. There was no problem. The restaurant ...
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Top 20 Cafes in Melbourne for Client meetings

Caffe e Torta $$ - $$$, Italian, Cafe, Vegetarian Friendly Address: 314 Little Collins St, Melbourne VIC 3000, AustraliaPhone: +61 434 595 885Website: https://www.caffeetorta.com/Great brekkyLooking for a cafe for breakfast on Easter Sunday and fortunately found this place, great vibe, unhurried and excellent food. Partner had the porridge (just like Grandma used ...
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brighton beach houses

Top 20 City Tours in Melbourne to show clients

Sports Lovers Tours of Melbourne Melbourne Sports Tours Address: Russell St, Melbourne VIC 3000, AustraliaPhone: +61 3 8802 4547OverviewFor sports lovers, Melbourne is hard to beat. With so many major stadiums packed into one metropolis, there’s always a game on and excitement in the air. Get an insider’s look into the city’s ...
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20 Fun Activities Around Melbourne with Clients

Rush Escape Game Fun & Games, Room Escape Games Address : 160 Toorak Rd, South Yarra VIC 3141, AustraliaPhone : +61 3 9972 8021Website: https://www.rushescapegame.com.au/About: Inspired by true and fictional stories our aim is to create a memorable live escape game experience for everyone. We all love a great challenge so to achieve this ...
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Melbourne property update

Top 20 Gardens in Melbourne for client meetings

Royal Botanic Gardens Victoria Nature & Parks, Gardens Address: Birdwood Ave, South Yarra VIC 3141, AustraliaPhone: +61 3 9252 2300Relaxing and Peaceful Botanic GardensA great relaxing place to go for a walk and inspect the many plant and tree species. Enjoyed a nice picnic near the lake after our walk. There's ...
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melbourne city at night

Top 20 Parks in Melbourne for client meetings

Albert Park Nature & Parks Address: Albert Park, Port Phillip, Victoria 3206, AustraliaPhone: +61 3 8427 2002beautiful environmentAlbert Park is a must see park while in Melbourne. It has an athletic arena, an aquatic centre, sailing and rowing centres and fabulous walkways/cycleways around the lake. The park run is on there ...
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black and white melbourne CBD

Top 20 City Tours in Melbourne for Business Clients

St. Kilda Beach Nature & Parks, Outdoor Activities, Beaches Address: Jacka Boulevard | West St Kilda, St Kilda, Port Phillip, Victoria 3182, AustraliaWebsite: https://stkildamelbourne.com.au/Lovely place to walkVery nice walks along the beach which has plenty of places to stop and eat and drink. Beachcomber was really nice for food a little expensive but worth ...
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brighton beach houses

Pros and Cons of Managing a SMSF

SMSF - Pros and Cons of Managing One Managing an SMSF is something more, and more Australians are opting in for. In fact, according to the ATO, the number of SMSFs has been growing at almost 6% annually from 2012 – 2016. However, it’s important to note that a self-managed super fund ...
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save money with super

Top 20 Things to Consider When Setting Up a SMSF

Setting up a SMSF? Here are the top 20 things to consider before you do. Superannuation is the backbone of retirement and a key tax minimisation lever for Australians. Regardless of whether your superannuation is held in a traditional super fund or you are considering setting up an SMSF (of which the benefits ...
Read More
melbourne city

Obvious and Hidden Costs of Buying a Property in Melbourne

Costs of Buying a property – the obvious and the hidden that first home buyers need to know. Are you thinking of buying a house and becoming a homeowner? Then make sure you do your sums and budget for all the costs that come with owning or upgrading a property. ...
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kangaroo in melbourne

Should Your Sell or Rent Your Home

The Big Question - Should you sell or rent your home? One that many homeowners are asking themselves. There may come a time in your life when you have to (or choose to) relocate, whether it be for professional or personal reasons, and you are faced with the decision on ...
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sunset beach couple

13 Tips & Mistakes for first time property investors

Tips & Common Mistakes First Time Investors Make Property investment is a favorite national pastime, with some 2 million Aussies calling themselves landlords and residential real estate accounting for more than half of all household wealth. "Did you know: As an asset class, the Australian real estate market is worth ...
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wealth advisors melbourne

26 Myths About Property Investing in Melbourne

Are you new to the Melbourne property investment market? Investing in property can be a bit frightening if you are unfamiliar with what it entails. When considering it, realize that properties can generally be categorized into two groups: active or passive investments. Active investment requires the investors to be on ...
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What you need to know about upsizing now that the price gap has narrowed

A booming market is brilliant news for most homeowners, but for those looking for an upgrade, runaway prices pose a challenge. Even though upsizers might be able to get a great price for their own home in a seller’s market, they’re still paying top dollar for the property they buy next. When ...
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colourfull hot air balloon over melbourne

Moving on up – Upsizing your home and the cost involved

If you are thinking about upsizing your home, there are a number of finanicial questions you need to ask yourself before going ahead. Many home owners decide to upsize due to marriage or a growing family, but do you know how much it's really going to cost you? Listed below ...
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sunset beach couple

SMSFs and Property

Mixing property and your self-managed super You may want to set up an SMSF primarily to invest in residential property. Here we explain when you can use your SMSF to invest in property and what you need to consider before you do. Self-managed super fund property rules What it will ...
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wealth advisors melbourne

Australians’ home loans size grow despite falling property prices

Property prices may be falling but that hasn’t stopped Australians taking out larger loans, including first-home buyers. The average home loan size of owner occupiers in Australia has increased 7.5 per cent since last July to $408,600, according to new ABS housing finance figures. First-home buyers across the nation aren’t too far ...
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