http://www.wealthyfrog.com.au/ Wed, 08 Feb 2012 01:20:31 Wealthyfrog Articles http://www.wealthyfrog.com.au/?process=views/article.php&articleId=9180 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=9180 Nicole commenced her career in the Financial Services industry in 1995 and currently holds the position of Investment Specialist with Perennial Investment Partners in Queensland.    Prior to joining the Perennial business over four and a half years ago Nicole was the State Manager in Queensland for Tribeca (now Kaplan) the leading education provider for professionals in financial services industry.  ... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8939 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8939 Jane Eyles-Bennett is a degree qualified interior/exterior designer specialising in investment property renovations. She has been designing around the world since 1993 and with a number of investment properties herself - 5 of which she has renovated - she is one person who knows just how to update a property for instant profit. She’s combined her flare for design, passion for property and interest in investing to help property... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8744 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8744 Budgeting for Christmas The red fat man (AKA Santa) is due to arrive soon, creating the pressure to purchase presents, travel and organise food for the holiday period. However Christmas doesn’t need to be expensive. Here are a few ways to save a few dollars: As early as you can, work out a rough budget of expected Christmas costs. Don't forget 'hidden' expenses such as food bills and overseas telephone charges. ... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8662 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8662 Personal wellness is increasingly being recognised as vital for people to live satisfying and fulfilling lives.   Our sense of wellness comes from an overall balance in the various parts that makes up our lives – including the physical, social, emotional, work, financial, spiritual, cultural, environmental and intellectual areas that all impact on one another. A strong sense of wellness enables us to reach our... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8616 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8616 How to Find Property Deals with Profitable Twists While being the youngest member of the Reno Kings team, Justin could probably boast that he is the most experienced developer, having worked for over five years with a development company as a research, acquisitions manager and project manager and for a large part of that specialising in student accommodation. It is this experience that makes him the first port of call not only for his... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=6601 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=6601 Salary sacrificing, negative gearing and fringe benefits could be affected by mooted income test changes.  Entitlement to a range of federal government assistance programs is  due to change from July 1. The change was flagged in last year's  budget and was the subject of a consultation paper issued by Treasury  in November, which set out four measures to reform income tests  across the... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8322 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8322 Kate has a double major in Psychology, after which she deferred from Uni to obtain the life experience she lacked and traveled to over 32 countries in the following 3 years. Working in Surrey in the UK for a Swiss Millionaire, Fred Zollinger Esquire and owner of the sixth share of Coca-Cola. Kate was mentored around Business, ethics and thinking. Applying this knowledge Kate joined the Flight Centre Ltd at age 23 and in the next 4... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=22657 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=22657 Meet Stephen Dale - www.SmilingTiger.com.au What would you do if you hit rock bottom… LITERALLY?    At the age of 21, Stephen fell 30 metres down a cliff.   He suffered major head (shattered right rear skull, the right side jaw, eye socket, cheekbone and nose) and spinal injuries, (spine dislocated from hips, damaged vertebrae) critical blood loss, five heart attacks and severe... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=21393 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=21393 Brigitte Hinneberg is author and founder of Momentum Coaching and Consulting, a coaching practice for executives and private individuals who want to take their lives to a new level.  Brigitte has been coaching many people to success over the past 4 years. Prior to that, Brigitte held senior marketing executive roles in some of Australia's top companies.  Brigitte holds a bachelor of Economics and Commerce from the... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=20685 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=20685 David Busoli B.Sc, Dip.FP, Dip.Ed, SSA, JP(Qual) Manager QLD & Northern NSW | Head of Education David Busoli serves the dual role of National Head of Education and manager for Queensland & Northern NSW of Australia’s largest specialist SMSF administration and compliance bureau, Cavendish Superannuation.   Practicing in financial services since 1979, David has extensive experience in financial... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=18781 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=18781 Comment from Tim Farrelly, Consultant, King Financial Group Investment Committee. A debt crisis in the US and Europe turns into a crisis in confidence in Australia Markets around the world have fallen sharply in the last week. For sharemarkets in the United States and Europe we think this is a case of the markets finally acknowledging the reality of the difficulties facing these economies as they begin to rein in out-of-control... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=18597 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=18597 On July 15th we surprised markets by revising our forecasts to incorporate 100 bp's of interest rate cuts by the Reserve Bank through to September 2012. Market surveys at the time which typically cover more than 20 forecasting groups had only one (Westpac) forecasting rate cuts with the others generally expecting 2–4 rate hikes out to the end of 2012. The reasons for our forecast centred around our views on the... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=17753 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=17753 Bill Taylor, Insurance Specialist, RBS Morgans Bill has been involved in the Financial Services Industry since 1985. In that time he has held positions as a Trainer, Sales Manager and Corporate Representative for a number of major financial institutions as well as owning his own financial advice business. Bill takes a holistic attitude to client’s financial needs by addressing investment needs and important related areas such... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=16065 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=16065   Who wants to be an Entrepreneur?   http://www.wealthyfrog.com.au/?process=views/article.php&articleId=15033 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=15033 Mike O'Hagan  |  Entrepreneur  |  MiniMovers  After being raised on a Dairy Farm in New Zealand, at the age of 18 Mike arrived in Australia with a few hundred dollars in his pocket and a pack on his back.   Over the next 8 years he worked for 35 different employers. In his words "I'm a product of the many really bad, and the few good,... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=14245 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=14245 “It’s not what you earn, it’s what you do with your earnings!”  We all have lifestyle and financial goals but how many of us actually achieve them? There are two key aspects to getting ahead financially which although linked, for most of us need to be worked on separately.   These are, first, to manage your income so that it exceeds your expenses, and second, to start to... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=14241 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=14241 Craig Christie, Director and Principal Planner of ASI Planning has been a Town Planner for over ten years helping hundreds of clients with their development applications. Craig has 5 years of local government experience and has worked privately helping property owners and developers overcome the challenges with seeking developing approval.  Craig is an active investor himself and is currently undertaking a number of... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=13937 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=13937 The Great Debate - expanded! Shares, Property or Business- what's best to create wealth? Martyn Fleming Principal Morpheus Property Martyn provides his clients with expert and independent representation in the property market. He listens to what his clients really need and then brings his attention to detail and dogged determination to bear to nut out even the most complex scenarios.  Martyn works... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=13249 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=13249 Please refer to the information below if you or anyone you know has been affected by the recent floods in Australia and is in need of personal financial assistance or primary producer or small business assistance: Flood assistance for individuals and families Australian Government Disaster Recovery Payment (AGDRP) Payments of $1,000 per eligible adult and $400 per eligible child will be made if: • a person was... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=12961 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=12961 Self Managed Super is still the fasting growing sector of superannuation in Australia. Many Australians build their wealth through property investment and it’s becoming more popular to establish a SMSF to acquire property as part of a long term strategy. This is often achieved by working closely with your Wealth Adviser and your Property Specialist sourcing the right properties for your wealth plan and most importantly at... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=12747 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=12747 This Bio is written in the first person.   It has often struck me as odd that most people write biographies in the third person – but you’re here because you want to get to know me a little better….so allow me to fill you in. I studied a Business and Commerce Degree at the University of Queensland with a Major in Accounting, Marketing and Finance. After reading the book “Rich... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=12375 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=12375 Libby believes that work and life don’t have to be ordinary and that most of the problems of modern corporate life can be overcome by changing the way we design and manage organisations. She is an expert at creating workplaces that bring out the best in people and optimise the potential of business. Libby’s passion for asking why and refusing to accept conventional thinking became entrenched early on when in Grade... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=11913 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=11913 Superannuation is basically a savings plan for retirement - at Wealthyfrog we say, "why wait", let's accumulate assets and create a passive income before our official retirement date - Superannuation is however a very important part of the wealth creation process so you want to make sure you get it right - watch more on this topic from Head Coach, Richard Starr here...     ... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=11912 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=11912 Insurance is the cheapest contingency plan you have available to protect your investment portfolio - it's not sexy but absolutely necessary to ensure you don't jeopardise your investments and protect your assets and family in the event of unforseen circumstances - watch more on this topic from Head Coach, Richard Starr here... For your FREE Introductory Session and more FREE Financial Resources click... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=11911 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=11911 Once you've identified and proven a surplus in your spending plan each month, then you need to put it to good use ie. as a means for investment - watch more on this topic from Head Coach, Richard Starr here... For your FREE Introductory Session and more FREE Financial Resources click here... for CLIENT TESTIMONIALS click here....    Have you been frogged?.... Background... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=11910 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=11910 Capturing a surplus and building a cash reserve is really important as part of your wealth plan - a healthy buffer will assist you to deal with big bills or short term and unexpected circumstances without jeopardising your investment goals - watch more on this topic from Head Coach, Richard Starr here....     For your FREE Introductory Session and more FREE Financial Resources click here... for CLIENT... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=11760 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=11760 Nhan Nguyen is an entrepreneur and Director of Green Mint property group.  Green Mint is a company founded by Nhan who has an extensive background in Property Acquisitions, Marketing and Property Development.  Nhan's experience is openly shared at his dynamic presentations and Nhan will be giving you some of his highly successful strategies.  Revealing his favourite strategies to build wealth (and why they work... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=11296 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=11296 Angie is the principal of Ascot Accounting a Certified Practising Accounting firm located in Ascot, Brisbane. She graduated from Queensland University of Technology with a Bachelor of Business majoring in accountancy. Angie has over 15 years experience in public practice specialising in small business, taxation and superannuation. Her interest in a passive income was fuelled when she purchased her first shareholding with her pocket money... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=11110 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=11110 Creating and capturing surplus cash flow doesn't have to take your lifestyle away - it's about accounting for your lifestyle.  Once you have identified the right spending plan and financial structure for you, the next thing to do is create a surplus and prove consistency.  This surplus will ultimately be used to start or continue with your investing plan - watch more on this topic from Head Coach, Richard... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=10769 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=10769 Property Q & A Panel - Wednesday 19 May 2010 - 6.45pm more information here...       Peter Sobczuk, CPA, EMBA QUT, Principal, Good Life Accounting Peter Sobczuk CPA, and Entrepreneurial Business Owner, who has established various business of his own and currently runs his own CPA Public Accounting Practice, helps his clients to establish tax effective business and investment structures and to protect their own business and... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=10734 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=10734 “The ultimate reason for setting goals is to entice you to become the person it takes to achieve them” – Jim Rohn Many motivational speakers, such as Jim Rohn (quoted above) maintain that people who set goals and review them regularly have a higher strike rate than those who do not. Why is this so? What is the big deal about goal setting anyway? The bottom line is that it can work! Those who are clear... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=10590 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=10590 LIVE IT UP - Wednesday 21 April 2010 - 6.45pm more information here... Donna Groves My passion lies in getting to the heart and soul of what makes people tick - why we act and behave the way we do and how we can achieve great personal success and still stay true to ourselves on that path. I spent 10 years of my life working in the business arena as an accountant. In this work I consulted with over 300 businesses on streamlining their... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=10280 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=10280 The Great Debate:  Property vs. Shares - Wednesday 17th March 2010 - 6.45pm more information here... Meighan Hetherington Director and Principal Property Pursuit Pty Ltd Property and client satisfaction are the driving passions for Meighan. At just 23 she bought her first property and has not looked back. In 2008 Meighan was awarded the highest honour in the industry when she was recognized as the Real Estate Institute of... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=9952 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=9952 Setting goals to achieve wealth can be a tricky thing to do.  This is because wealth creation can be a rapid process if you have the right systems in place.  Conversely, managing your expectations can also be challenging as sometimes the results you are acheiving may not match your immediate expectations.  Working with a professional through both of these processes can help you manage the delicate balance of... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=9656 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=9656 2010 is being hailed the year of “economic recovery” and there’s no better time to start your own financial revolution and get your “personal economy" in top shape!   Follow these simple tips to get your finances back on track in 2010:- Set some realistic and achievable goals - Anthony Robbins once said ‘Setting goals is the first step in turning the invisible into the... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=9495 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=9495 Mark Garbelotto has 20 years' experience in sales and in running his own businesses.  He has led large teams of people, built sales teams, and built a multi-million dollar interior design and construction business.  He has also been a number 2 producer at his position across Australia and New Zealand for a $600M direct sales company. Mark has previously presented at the Bayside Business Network Seminars in 2008 and... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=9275 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=9275 Clive first gained his real estate agents license in 1981, and has either managed or owned a large number of small, medium and large real estate companies since that date – all becoming market leaders in their field. Immediately prior to founding APM in 1994, Clive was the General Manager of ‘Realty World’, the largest privately owned real estate company in Australia with 110 sales staff and more than 2,500 properties under management,... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8742 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8742 The internet is bursting with services and products that may provide cheaper alternatives to the one’s you are currently using. Some areas to consider: Telephone: you can swap your home phone over to some online phone providers. Examples Skype and Engine Presents: you can sometimes pick up a bargain at some online stores. Examples: OO and Deals Direct Ebay: Ebay is a great way to pick... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8741 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8741 Credit card fraud is on the increase. Here are some ways to keep your credit card safe: Don't give your card number over the phone unless you have initiated the call. Email is not a secure method of providing credit card details over the internet. If you have to leave a blank credit card imprint as a security deposit, make sure it is destroyed in front of you later. If carbon paper is used, retain the carbon to avoid... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8740 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8740 “…we have good incomes, we don’t live extravagantly, but we never seem to get ahead!” You may want to get ahead financially but are unsure where to start. If you want to realise your lifestyle and investment goals, become financially stress free and work towards an acceptable passive income when you stop working, start with the very basics. Below are the 5 key steps in this process: What do... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8739 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8739 When we are in our twenties and thirties most of us tend to think we have all the time in the world to start saving and investing. We often believe that we will catch up down the track. Unfortunately this is not the case for most people. Hopefully the following example will convince you that you need to act now! Consider two investors: Investor A decides to invest $10,000 per annum every year for ten years at a return of 10% p.a. After... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8737 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8737 A lawyer and a blonde are sitting next to each other on a long flight from LA to NY. The lawyer leans over to her and asks if she would like to play a fun game. The blonde just wants to take a nap, so she politely declines and rolls over to the window to catch a few winks. The lawyer persists and explains that the game is really easy and a lot of fun. He explains "I ask you a question, and if you don't know the answer, you pay me... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8664 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8664 If you are a rational investor you are primarily concerned about your future well being. You are mostly concerned about the level of wealth you will have one day down the track. This level of wealth will be the total value of your investment portfolio. A rational investor is concerned with the end destination, so the short term gains and losses that may occur along the journey to obtaining this wealth is less relevant. Most investors... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8663 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8663 John and Suzie are in their early 30’s and have a home worth $500,000 and a mortgage of $300,000. Besides their superannuation John and Suzie have no other investments and are keen to get ahead financially. John and Suzie have a surplus income of $200 per month. Where should John and Suzie put their surplus income? Into their home loan or use these funds to purchase investments? John and Suzie are considering three main... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8170 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=8170 Financial pressures are having a major impact on relationships in Australia, with the number of people saying it is a major stress more than doubling in two years, a study has shown. With the world currently gripped by economic instability, Relationships Australia's annual Relationships Indicators Survey has found financial concerns are taking a heavy toll. The survey of 1,200 adults has found that 40 per cent list money troubles as a major... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=7752 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=7752 When we look to compare the investment markets, we can apply the leading and lagging markets philosophy to help us understand where they at, and to assume what is likely to occur next. To explain; the share market is considered a leading market and property is a lagging market, with the economy in the middle.   So… when the share market is going well, the economy goes well, and when the economy goes well... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=7621 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=7621 Most people assume that principle and interest loans are the best way to repay a mortgage. Banks load up the repayments on a home loan with mostly interest in the initial years of a home loan repayment schedule, and very little of the principle is reduced. If reducing the principle of your home loan is your objective, you are better off to employ an offset account against an interest only... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=7405 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=7405 "Most investors, both institutional and individual, will find that the best way to own common stocks ("shares") is through an index fund that charges minimal fees. Those following this path are sure to beat the net results (after fees and expenses) of the great majority of investment professionals." - Warren Buffett, Berkshire Hathaway letter to shareholders 1996 So what is an index fund?  It... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=7131 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=7131 Spending money is an issue we face daily as we spend money every day.  The stress of living in the current climate of economic uncertainty and rising costs is fuelling our bad money habits. You can create positive habits by considering a change in the way you manage your "personal bank".  A common belief is that if we could just earn more money we could make ends meet or if we could get a pay rise we... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=7022 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=7022 Did you know that Swapping is the new Shopping?   You can actually go shopping and break even or even make a profit - all it takes is some time, effort and any unused items in your home! I think it's fair to say that most of us have items in our home or garage or indeed in storage that are now no longer required.   Shopaholics will know exactly what I am talking about - horders will also relate to this... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=6817 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=6817 “Contingency planning for your investment property is not sexy but it is essential in these uncertain times” says Richard Starr, Wealthyfrog Wealth Coach “planning is crucial to ensure the sustainability of your investment property during tough times.” Property like any other investment is cyclic in nature and in recent times property in SEQ has experienced solid growth – it seems we are... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=6482 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=6482 Educating your children about money and helping them understand the value of money can set your children on the path to financial freedom.  This may be an important legacy for your children to pass on to future generations. The following points are some ways to help your children become wealthy minded: •    You can help your children with a budget.  How much do they want to put away for... http://www.wealthyfrog.com.au/?process=views/article.php&articleId=6473 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=6473 Your credit file is updated every time you apply for new credit (i.e. a loan).  Importantly, the information is one of the factors that impacts on your credit-worthiness.  Banks, retailers and credit providers use the data, along with the information you provide to them, to determine whether to lend you money or not. At any time you can request a copy of your credit file to check for inaccuracies, review your loan...