It's Never Too Late: To achieve financial security ... start - download pdf or read online

By Peter Cerexhe

ISBN-10: 186508932X

ISBN-13: 9781865089324

At some point soon in our lives such a lot folks locate we have now misplaced half - or all! - of our motivation to rearrange our own funds. a few of us by no means had the inducement within the first position. * Did you are making the main of the valuables increase over its 14-year run? * Did you experience the percentage industry because it hit list degrees? * Is your superannuation easily 'plain vanilla' or are you benefiting from the various strategies on hand? it may be disheartening to be a watcher instead of an lively player, yet now there is a booklet approximately discovering the inducement to invigorate your individual funds and funding making plans. Peter Cerexhe indicates you ways to take inventory of what you've got accrued and the way to calculate what you would like for peace of brain sooner or later. Case experiences inform the tales of the place others have came across their motivation. there is additionally suggestion on averting monetary matters taking a toll in your relationships, and pointers on catching up for these who have tousled their monetary existence to this point. Stimulating recommendations and possibilities are defined only - the ebook is going via step by step approaches to make sure your richly deserved source of revenue is operating in your destiny. you are bound to locate whatever the following to excite you and wake up your strength.

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It's Never Too Late: To achieve financial security ... start by Peter Cerexhe PDF

Sooner or later in our lives so much people locate we have now misplaced half - or all! - of our motivation to rearrange our own funds. a few of us by no means had the inducement within the first position. * Did you're making the main of the valuables growth over its 14-year run? * Did you trip the percentage marketplace because it hit list degrees?

Extra resources for It's Never Too Late: To achieve financial security ... start today

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QX5 5/12/05 2 1:27 PM Page 15 Bookhouse Your weaknesses, your strengths Your weaknesses, your strengths A re you working to your weaknesses or your strengths? This is a fundamental question as you begin to assess the direction of your financial future. It’s premature to set investment goals if you cannot answer this question honestly and in some depth. As the years go by we settle into patterns within a relationship or household for getting things done. Who takes the children to school? Who makes the dinner?

Opportunities • I would achieve a worthwhile pay rise if I left my employer and moved to one of our business clients. This is possible. • The economy is in good shape. • Interest rates are low—I could borrow money, secured against my home, to leverage further investments. • The new ‘superannuation choice’ scheme will let me choose my own superannuation fund and a more aggressive strategy for investment. With proper advice I could be in a better situation than I am now (with my employer’s choice of high-fee, lowperforming super fund).

8. Carla will prepare a household budget and calculate how much money we have available for further investment (by 1 June). 9. Joe and Carla will investigate purchasing an investment property— Joe will speak to the bank and Carla to at least three real estate agents (by 10 June). 10. Should we consider taking out a fixed-rate loan for the investment rather than a second variable-rate loan (as our existing home mortgage is)? Carla to research (by 20 June). 11. Joe will contact an insurance broker to assess our insurance needs—particularly for increased income protection (by 20 June).

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It's Never Too Late: To achieve financial security ... start today by Peter Cerexhe


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