Financial planning. That’s for people with lots of money to invest, isn’t it? Not necessarily. Sure, investment planning is an important part of financial planning, but underpinning the whole process of creating wealth in the first place is having a…
Has your lender given you a call or emailed, apart from after Reserve Bank rate reductions, to say, “Mr. & Mrs Client, you have been fantastically loyal customers so we have decided to reduce your home loan interest rate and…
For the first time in a long time, it appears that a tidal shift has taken place within the First Home Buyers landscape. First Home Buyers are entering the market in droves, which is great news. What has led to…
A home loan is the largest financial commitment most people will ever have, so of course It makes sense to try and pay it off as soon as possible. Like most things that sound simple though, it’s not necessarily easy…
A huge barrier to people getting ahead with their money is financial literacy – in other words the understanding of concepts, investments and strategies. By nature, people are less inclined to do something if they don’t understand it. When it…
A question often asked in social media forums concerns whether it would be best to pay extra off the mortgage or instead pay the extra into superannuation. The answer, as always, is “it depends”. There are many issues to consider,…
It’s not uncommon to be asked to guarantee a loan for someone else, usually a friend or family member. It may seem to be a great way to help a child or relative get that car they want, buy a…
During this Pandemic there is a lot of talk about saving money. At Green Apples Finance we have come up with 5 ways to help you do this: 🍏 Refinancing your current Home Loan to another lender with a lower interest…
We’re big believers that people should take the initiative to learn and educate themselves about financial matters. In fact we speak with many people about general financial concepts all the time – at no cost to them except their time….
In an attempt to stimulate economic growth the Reserve Bank of Australia has slashed interest rates at an accelerated rate. With news headlines covering the prospect of negative interest rates, what does it mean? Who benefits and who loses? The…
