Tag: finace

  • She Can Prosper: Unlocking financial independence and empowering women to thrive

    She Can Prosper: Unlocking financial independence and empowering women to thrive

    For more than 30 years Diane Watson a has worked in the Financial Industry, building a stellar reputation as a Financial Advisor to many clients of which a number are women, who have made the decision for a wide and varied range of reasons, to seek guidance and advice to ensure they manage their finances well, allowing them to prosper, to build a solid foundation for the retirement years ahead.

    Something she has always felt she needed to accomplish was to put this knowledge into book form to reach out further to women who need help; young women just starting out in life, women who have faced financial hardship and women, while successful in their career path want to ensure they are financially sound and independent.

    In She Can Prosper, Diane shares her story and that of a number of other women who have faced a raft of financial challenges only to have, with good support and sound advice, found their way forward to prosperity.

    The subjects discussed cover every aspect of managing finances to build a solid future, beginning with the definition of What Is Prosperity, which can mean vastly different things, but is the true foundation of how you really want to spend your older years, in comfort or on struggle street.

    Setting age ranges, she sets goals, asks questions and prepares the way to discover ‘The Four Steps to Building Prosperity’, then looks at the very relevant Protecting Your Property from life’s many unexpected upheavals such as divorce, illness and death.

    Relationships and money come in many coloured hues and Diane has taken the time to go through this area with considerable care. In Your Money and Your Relationships, she has added sound advice from a range of experts in their field which is vitally important in today’s world.

    Business Finances are dealt with in their own section in a thorough manner which looks at establishing your own business, scams, insurances and tax issues that must be clearly understood.

    One of the more fascinating sections is Creating a Prosperous Mindset which looks at the psychology of your background, childhood influences and how to reset your thinking to allow you to prosper; to develop a positive mindset to future financial planning.

    Section 7, You Can Prosper looks at why you should consider working with a financial planner, where to find one and how to make sure they are well trained professionals. This comes with a Top 10 Checklist which then leads onto Final Words which is filled with encouragement to help you embrace your journey into a sound financial future.  In her words, ‘…your financial well-being in not just a goal to attain, but a path to liberation and self-discovery.’

    The Resources Guide is an absolute treasure trove of information to be read, viewed and listened to for those who want to develop a sound understanding around the world of finances.

    I highly recommend She Can Prosper as a book that should be given to every young woman commencing their working life, whether it be on a career pathway or otherwise, to any woman struggling to financially survive or any woman who wants to ensure they have a secure financial future.

  • A Surfer’s Guide to Property Investing

    A Surfer’s Guide to Property Investing

    To invest or not to invest in property can be a serious question to ask and can have some very positive benefits to lifestyle when done with knowledge, a steady nerve and a desire to make a change in both your lifestyle and financial circumstances.

    Paul Glossop shares his journey to success through property development in A Surfers Guide to Property Investing, explaining the rules of successful property investing from a thought to a reality, based on his experiences throughout the years.

    Written in a comfortable and easy to understand style, he returns to the years of his childhood growing up in Liverpool, south-western Sydney, where unbeknown to him the seeds of his future were being sown by his mother.

    An early career flirting with architecture and then teaching saw him looking towards buying into the real estate market at a time when, in Australia, the country was booming, unemployment was low and property was attainable at reasonable prices.

    His first purchase, the research he and wife Kim put into where and what to buy, saw his passion solidify to a point where he gave a up a well-paying position with a pharmaceutical company to become a self-employed property developer; a decision which has over the years, paid off handsomely.

    He shares the highs, the lows, the traps created when research is not carried out extensively and when things do not always go according to plan due to unforeseen market influences, what to do next – to hold or fold!

    Based on his love of surfing he uses the analogy of heading out for a surf. Time is spent searching the waves, looking at the surrounding elements and so much more before the board is even put in the water, then applied these strategies to his love of real estate.

    The chapters of the book discuss all aspects of real estate development from where to begin and most importantly, developing the right mindset to finance, location, renovation, commercial property, risk assessment and just about everything needed to be known or understood about successful property investment.

    A Surfers Guide to Property Investing is the perfect book for people considering taking the first step in today’s challenging property marketplace, or for those who have been dabbling or have already begun to build their portfolios and may be seeking a fresh way forward.

  • Property Finance Made Simple

    Property Finance Made Simple

    Never has a subject been more hotly debated or made the headline news, ad nauseam, for months on end, other than the so called Housing Crisis in Australia. Never has a book on the subject of Housing Finance been timelier!

    Housing and affordability issues are of course relevant to wherever you live, choose to live or would like to live, your ability to borrow to buy and then be able to repay.

    With Australia on the way down from a huge mining and recourses boom, a time when to borrow money for housing, housing investment or anything else was almost a given, reality has set in with the Banks tightening up, lenders in general being far more a cautious and the Government looking at ways to be able to provide ‘more affordable’ housing in an already highly inflated marketplace. Once again this depends on where you live, etc!

    This common-sense look at all the options available when you choose to borrow for your new home has been set out in easy to understand wording, unravelling the mystique which can apply to the world of Finance in regard to housing, far more palatable.

    Andrew Crossley, well qualified in this area, has offered his years of experience to help you understand better the many nuances and layers within the finance sector, as well as laying out the many and various options available to the borrower, whether it be for a new first home or an investment property. There is much devoted to the tricky and touchy subject of, to negative gear or not, pitfalls for the investment borrower and the many different structures of loan available.

    After you have read through each of the very informative chapters, a comprehensive understanding of borrowing, housing affordability and the world of finance should be far more clearly understood.

    The overriding ethos in the book is before you do anything, understand very clearly what it is you wish to obtain, where it is you are looking to purchase and should something unexpected happen, can you still service your debt. As Crossley says and keeps underlining, lenders are there to make money, nothing else, certainly not to be nice.

    Make sure you obtain information on all the various products available; do your research. If necessary engage a reputable Mortgage Broker to help structure your borrowing accordingly.

    By the final page, you will have a far better understanding of finance in general, have a far better understanding of exposure to debt and be able to apply with confidence, for the loan you need for your first home or to begin your finance portfolio.