Minimise your mortgage, maximise your superannuation

Australian government set the superannuation rules that help investment be more tax-effective. You can pour extra funds into your superannuation rather than into your mortgage may be a more sensible strategy for some people, particularly if you are nearing retirement.

From 1 July 2007, when you can access your taxed super benefits at age 60 or over the benefit will be tax-free whether you take it as an income or lump sum. This means you can boost your superannuation contributions now to capitalise on the ongoing tax concessions available on your super investments. Then, when you retire you may be able to use some of your accumulated superannuation benefits to pay off the balance of your mortgage.

Real Estate Development Made Easy.

Learn Real Estate Development From Billion Dollar Developer & Coach With CB Sales in 106 Countries Page 1 Google, Yahoo, Msn. Only E-books in the World on these Subjects. Click Here!

To benefit from this strategy you will generally need to have an interest-only mortgage arrangement. If you are only paying interest on the outstanding loan then you don’t make any capital repayments until the end of the loan term. This has the effect of reducing your ongoing mortgage cash flow commitment so you can contribute more to superannuation.

By foregoing your pre-tax salary to make concessional super contributions under a salary sacrifice arrangement, your super contributions are only taxed at 15%. This contrasts to receiving the amount as salary which is taxed at your marginal tax rates. Your investment earnings within super are also only taxed at 15% in the fund.

Creative Real Estate System w Complete Tools for Todays Real Estate!

Don't get trapped in the " one size fits all " mentality to real estate investing. Profit from today's housing crisis while you still can. High Satisfaction. Click Here!

When you retire under this strategy you can access your superannuation benefits tax-free and be ‘mortgage free’ at the same time once the outstanding loan is repaid.

Please speak with your financial advisor or accountant on the implications of this strategy. If required, I am happy to discuss your ability to alter your lending arrangements to benefit both you and your business.

Convert your investment property into a tax-free retirement benefit

Many people invest in property as an alternative to saving for their retirement through superannuation, often using negative gearing or borrowing strategies. While these types of property based strategies can have their own advantages, they may lack the long-term tax benefits available through superannuation.

Loan Modification: DIY Kit, a guide 'how to earn handsome money from the hottest real estate market in the recession... This definitive DIY kit is more than just an ebook... this program includes tutorial videos, forms, critiques, and more! Click Here!

If you are over 60 years of age, you can access your super benefits from a taxed source as a lump sum or income stream tax-free. You can contribute up to a total limit of $150,000 a year (or $450,000 averaged over three years in some cases). There are some exceptions to the annual caps and transitional arrangements that need to be carefully managed along the way. This includes considering the total amount you have invested in super since 10 May 2006.

Creating Wealth Without Risk.

Build Your Personal Fortune With High-Yielding, Government Issued, Real Estate Secured Tax Lien Certificates. Click Here!

If you are planning to use your investment property to fund your retirement at a later stage, you may be able to convert it into a tax-free retirement benefit if you sell it now and transfer the proceeds into superannuation.

Fund Your Business In 30 Days w/o A Credit Check Or Personal Guarantee

It Doesn't Matter Whether You Need $50,000... $500,000 Or $5 Million Or More -- The Process Is The Same -- And You Don't Need Banks... Rich Relatives... Credit Scores... Tax Returns... Financial Statements... Or Any Collateral In Order To Get It! Click Here!

If you are unable to sell your property now, depending on your circumstances, another strategy may be to consider borrowing sufficient funds in the short-term to make the required personal superannuation contributions. You can then repay the loan once you have sold the property at a later stage.

Real Estate Agents, List Bank Reo, Foreclosure, Short Sale, Bpo

Bank Reo Foreclosure Departments need real estate agents to complete CMAs (Comparative Market Analysis) or BPOs (Broker Price Opinions) Make Great Part Time Money Dont Quit Real Estate. List Bank Reo Property and List Short Sales, Short Sale, Complete Bpo Click Here!

Please speak with your financial advisor or accountant about the implications of this strategy, including the implications of any borrowings and whether this strategy is appropriate for you. Please note that capital gains tax may arise on any profits realised at the time of selling your property investments and this needs to be considered also as part of the total strategy. If required, I am happy to discuss your ability to alter your lending arrangements to benefit both you and your business.

Tax Lien Investing Basics

Online Course - How to Get Started with Investing In Tax Lien Certificates And Tax Deeds. Audios, Manual, And Resources. Click Here!

The rules governing the transfer of business and other assets into superannuation are complex. To find out more about the right superannuation strategies for you and your business we recommend you speak with your financial adviser or accountant.

Commercial Real Estate Cash Flow Funding System

How To Buy Commercial Real Estate With No Cash or Credit. Learn The Secrets Insiders Never Share. (Apartments, Office Buildings, Hotels, Mobile/RV Park) Course Includes Everything You Need. Create A Cash Flow Of $25,000+ Within 90 Days! Updated for 2010. Click Here!

Make the most of your financial opportunities

There are many ‘time-poor’ business men and women in the world, are you one of them?
I heard many business owners said they have monies but no time, their children are beneficial to their hard earned monies and so on.

If you own or manage a business you may be trying to:

Reduce the workload of employee superannuation

Make your company super more appealing to staff

Safeguard business revenue in case a key employee leaves or an equity partner dies

Plan for and structure a successful ownership transfer or trade sale

Fortunately, finding a practical solution is easier than you think.

Contact me with your questions by email to wisejane7@gmail.com

In partnership with our business specialists, can help you achieve your personal and business goals with:

A comprehensive financial plan designed to achieve your personal financial goals

Personalised share investment advice in conjunction with an investment adviser

Advice on appropriate insurance protection for your business and your lifestyle

Advice in structuring a complete super solution for your business

Our financial planner will help you move from aspiration to outcomes, step by step.

Set goals – your financial objectives for your future needs

Construct a plan – designs an individualised financial plan to suit your exact needs

Implement your financial plan – once you agree, we help you put the plan into action

Stay on course – Using financial research and modelling tools to monitor your investments on a regular basis and propose any necessary adjustments.

Contact me with your questions by email to wisejane7@gmail.com

Think about the effect on your business if you lost one of your partners or key staff members for a lengthy period. Would your business continue functioning normally? What would the effect be if one of your business partners died or became disabled? How would your business cope if that partner’s share of the business was passed on to their dependants?

After gaining a thorough understanding of your business, our specialist will draw up a precise business continually plan designed to protect your business in the event of such upheavals.

Many business owners aspire to being able to retire one day, gracefully bowing out of their business on their own terms.

Whatever way you do it, business succession must be planned and managed well. Aside from potential monetary losses if not handled well, there’s a real emotional cost involved in seeing a healthy business falter.

Contact me with your questions by email to wisejane7@gmail.com

Superannuation is a remarkably tax effective method of building wealth for retirement. Our financial planner can explain the tax advantages of superannuation and show you how making the most of super could help you and your employees, retire with more.

Creating your own superannuation fund, known as a self-managed super fund (SMSF), is a popular alternative these days, particularly for business owners.

It is important to develop a clear investment strategy, select an appropriate mix of investments, sort out insurance needs, receive up-to-date information on market performance, and keep up with new investment opportunities.

Our financial planner can provide detailed advice and assistance with creating and running your SMSF.

Contact me with your questions by email to wisejane7@gmail.com

How I become Entrepreneur

Entrepreneurs think differently. Entrepreneurs build stuff in their obsessive daily quest to find value. They invent things, create companies, and generate jobs. I love it, not only because it is good for our world to have lots of people thinking this way, but because it is an excellent attitude to life where anything is possible. It is a world full of potential, if you are prepared to work for it.

My dad taught this way of thinking to me when I was 10.

He gave me $10 and explained to me that I could not keep it for myself but had to spend it on materials that I could use to sell something. For example, I could buy a bucket of candies and pack them well in handmade basket with decoration like ribbons and flowers to neighbours for $30 and make $20 out of the original investment.

I thought a lot about it and was very excited. I decided to buy a pack of colour pens, thread, colour paper and ribbons to start a handicraft business. I made an excellent prototype and then we talked about our plan, which I wrote on the whiteboard.

I made a bunch of handworks, enclosed with my drawing and sold them to neighbours and friends. Out of the original $10 investment, I made $35. I think like an entrepreneur ever after.