http://www.wealthyfrog.com.au/ 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=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=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=10314 http://www.wealthyfrog.com.au/?process=views/article.php&articleId=10314 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 Starr... 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 we are acheiving may not match our immediate expectations.  Working with a professional through both of these processes can help you manage the delicate balance of realistic goals... 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=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 the... 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...