We have provided the following link to a budget calculator which you may find useful to help sort out your cash flow. Of course, if your cash flow structure is something that you would like to discuss and seek advice and assistance with, please contact us at info@aandtfs.com
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Australian house prices have long been a talking point around the weekend BBQ. The following article was written by Dr Shane Oliver in response to recent activity and analysis on house prices across the country, which you may find of interest.
Key points of the article:
Please click on the link below to read the full article. By the standards of recent years, 2017 was relatively quiet. Sure there was the usual “worry list” – about Trump, elections in Europe, China as always, North Korea and nuclear war and the perennial property crash in Australia. And there was a mania in bitcoin. But overall it has been pretty positive for investors. As we approach the end of 2017 and start to look into 2018, we review what happened in markets over the year and what we anticipate will be the themes and issues in 2018. . As always, in seeking professional advice, investment of funds is only one aspect of any financial plan and a focus on structure and strategy can have an even more significant benefit. If you would like to discuss the implications in relation to your long term strategy, please contact our office on 03 9846 1099 or info@aandtfs.com Significant changes to the Centrelink Assets test are due to come into effect on 1 January 2017 which may mean that many pensioners see a reduction or total loss of their Age Pension entitlements. Please refer to the attached article for more information if this may impact you or someone you may know.
Careful planning, and expert advice to determine the most appropriate course of action are always useful, so if you someone you know may be impacted by this, and would like to discuss the implications in relation to their circumstances, please contact our office on 03 9846 1099 or info@aandtfs.com Image courtesy New York Times Trump Elected 45th President of the US
A remarkable day for America with the election of Donald Trump as the 45th President of the United States – an outcome that few predicted and a scenario that seemed impossible just a few short months ago. Understandably, global markets were exceptionally volatile during today’s trading with the US FUTURES driving markets around the world on the day, but a subsequent recovery. A lot of volatility beneath the surface but in aggregate, the market is actually up +2.5% for the week. A remarkable effort really and now focus is clearly on what the economic ramifications of a Trump presidency might be. The most obvious question now is, what will a Trump presidency look like, and how will the cards settle going forward? In the attached article, we look at the economic implications of the election and what this means for markets and you. We often get the question, what action should I take or am I in the right portfolio in accordance with my strategy? If you would like to discuss the implications in relation to your long term strategy, please contact our office on 03 9846 1099 or info@aandtfs.com In a historic vote which has ended months of speculation, the UK electorate has voted to leave the European Union (EU). While the speculation may have ended, the uncertainty has not. What will an exit from the EU mean, not just for the UK, but for Europe and beyond?
In the attached article, we look at the economic implications of the vote andwhat this means for you. If you would like to discuss the implications in relation to your long term strategy, please contact our office on 03 9846 1099 or info@aandtfs.com With the end of financial year fast approaching, now is the time to get all your finances in order. The end of a financial year is the perfect time to get your finances in order and ensure you get the best possible tax return, so read on to find out how to survive the end of the financial year and make the most of your situation. Click on the links below for specific tips in regards to: - Your superannuation - Your debt and loans - Tips for business owners or individuals to bring forward tax refunds Of course if you wish to discuss any of the specific issues affecting you in greater detail or any other matter, including the proposed budget changes, then please contact us or arrange a time call to arrange a time for a meeting on 03 9846 1099 or click on the link below to arrange a no obligation face to face meeting. What you need to know
This letter contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. If you decide to purchase or vary a financial product, your financial adviser, Charter Financial Planning and other companies within the AMP Group may receive fees and other benefits. The fees will be a dollar amount and/or a percentage of either the premium you pay or the value of your investments. Please contact us if you want more information. |
A & T Financial Services Archives
January 2019
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