Creating a budget is Part 2 of the 6-part Money Matters class, created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Importance of understanding your finances, your income and understanding your pay stub are covered in Part 1 of the of the 6-part Money Matters series created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Creating a budget is Part 2 of the 6-part Money Matters class, created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Importance of understanding your finances, your income and understanding your pay stub are covered in Part 1 of the of the 6-part Money Matters series created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Women have unique financial issues and needs. This presentation discusses 15 of the most common misconceptions women have about general financial strategies, retirement and estate planning, insurance, as well as money and relationships. It provides guidance on strategies to help women manage their finances.
This informative and entertaining seminar will show you how to take control of your finances by learning to budget your paycheck - before you spend it.
Women have unique financial issues and needs. This presentation discusses 15 of the most common misconceptions women have about general financial strategies, retirement and estate planning, insurance, as well as money and relationships. It provides guidance on strategies to help women manage their finances.
This informative and entertaining seminar will show you how to take control of your finances by learning to budget your paycheck - before you spend it.
J ZAPPA REALTY CORP offers qualified individuals and corporations a way to utilize their available funds to achieve the highest returns on their principal through Private Mortgage Lending . This is a proven investment strategy that has been used by the most sophisticated of investors. By offering first lien positions on our properties, we can offer between a 4 - 10% return secured by a mortgage - a mortgage on properties with built-in equity as these deals were negotiated with lenders and purchased below market value.
Using Credit is part 4 of the 6-part Money Matters class, created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Take advantage of today’s low rates and refinance or cash out and refinance your home loan to consolidate debt, lower your payments or renovate your home.
Tax Benefits of Homeownership After Tax ReformJason Fuchs
Recent tax reform legislation may have reduced the tax benefits of homeownership for some by (1) substantially increasing the standard deduction, (2) lowering the amount of mortgage debt on which interest is deductible, and (3) limiting the amount of state and local taxes that can be deducted. On the other hand, the tax benefits of homeownership may have increased for some because the overall limit on itemized deductions based on adjusted gross income has been suspended. You generally can choose between claiming the standard deduction or itemizing certain deductions (including the deductions for mortgage interest and state and local taxes). These changes are generally effective for 2018 to 2025.
This is for a post on Wayne T Hart’s-Professional Bookkeeper Facebook Page.
You can follow Wayne at
http://www.facebook.com/waynethartprofessionalbookkeeper
This is for a post on Wayne T Hart's-Professional Bookkeeper Facebook Page.
You can follow Wayne at
http://www.facebook.com/waynethartprofessionalbookkeeper
This is the newsletter for Rotorvation Helicopter for publication on their Facebook page.
You can follow them on Facebook at
http://www.facebook.com/rotorvationhelicopters
This is a newsletter from People Who Care for a post for their Facebook page.
You can follow them on Facebook at:
http://www.facebook.com/peoplewhocareinc
This is a presentation for Blue Edge Financial Planning for a post on their Facebook page.
It is their Spring newsletter.
You can follow them on Facebook at:
http://www.facebook.com/blueedgefinancialplanning
People Who Care Inc. 2010 October Volunteer newsletterDuncan Middlemass
This is the Volunteer Newsletter for People Who Care Inc. a not-for-profit organisation.
This is for a post on their Facebook page.
You can follow them at
http://www.facebook.com/peoplewhocareinc
This is an article for Blue Edge Financial Planning for a post on their Facebook page.
You can follow them on Facebook by looking up "Blue Edge Financial Planning"
DNA Kingston Training: Diploma of Management Graduation 10/10Duncan Middlemass
This is the programme from DNA Kingston Training's Diploma of Manangement Graduation Cerrmony.
Ladybird Social Media was lucky enough to be one of the sponsors.
This is an open letter to the clients of Ladybird Design Print & Media for the first anniversary.
You can follow them on Facebook at
http://www.facebook.com/ladybirddesign
This is a Pledge to Wayne T Harts's clients.
This is put up as a post for his Facebook Page.
You can "Like" it by looking up
Wayne T Hart--Professional Bookkeeper
Reallogic Presentation by Margie Baldock & Natalie JardimDuncan Middlemass
Unfortunately Margie was ill, so her business partner Natalie Jardim presented on her behalf.
This was presented at "Invest in Yourself Seminar" on the 13 October 2010.
How to get Everything You Want in Business by Darren WedgeDuncan Middlemass
This is presentation from Darren Wedge (Director of Wedge Consulting International) given at the "Invest in Yourself Seminar" for Reallogic on 13 October 2010.
The paper is based on the presentation given by Melanie Strang (Director of Ecoedge Environmental Pty Ltd) at The Society for Ecological Restoration Conference, Avignon 2010.
For more information:
http://www.ecoedge.com.au
or
Follow on Facebook:
http://www.facebook.com/ecoedge
This is a presenetation for a post on Wayne T Hart-Professional Bookkeeper Facebook page.
You can "Like" on Facebook by looking up Wayne T Hart-Professional Bookkeeper.
NO1 Uk Divorce problem uk all amil baba in karachi,lahore,pakistan talaq ka m...Amil Baba Dawood bangali
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NO1 Uk Black Magic Specialist Expert In Sahiwal, Okara, Hafizabad, Mandi Bah...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
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Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
when will pi network coin be available on crypto exchange.
Debt to Wealth Guide
1. Bad debt
‘Bad’ debt is debt you use to buy anything that doesn’t
generate income for you and loses its value, or has no
value once it’s been used. It’s bad debt because you
can’t claim a tax deduction on the interest you pay
and you have to use your own resources to pay it off.
Examples are credit and store cards.
Good debt
‘Good’ debt is debt you use to buy assets that can
generate income and have the potential to increase
in value, such as investment property or shares. You
can use income generated by your investment to help
repay your loan and, in some cases, the interest costs
are tax-deductible. Not only can this kind of debt be
easier to pay off, but you can also use it to accelerate
wealth creation.
You can only start to create wealth when you have
your debt under control.
Give bad debt the flick
It’s important to try and rid yourself of your bad debts
such as credit cards and personal loans first because
this type of debt generally attracts a higher rate of
interest than a home loan. Once you’ve done this,
you can concentrate on using your good debt to
grow your wealth.
Debt consolidation strategy
Here’s an example of how bad debt can cost you
hundreds each month.
Debt Outstanding balance Interest rate pa Monthly repayment
Home loan (21-year term) $220,000 7.25% $1,667
Personal loan (7-year term) $30,000 13.00% $532
Credit cards $10,000 18.00% $139
Total $260,000 $2,3381
John and his wife Mary are married with a young
family. Their home is worth $500,000 and they
currently have the following debts.
John and Mary’s financial adviser recommends that
they increase their home loan from $220,000 to
$260,000 and use the extra $40,000 to pay off their
personal loan and credit cards.
By consolidating their debts, they are now paying
the lower interest rate of 7.25% p.a. Their monthly
repayment is reduced to $1,970 – a saving of $368.
But if they continue to pay the same monthly amount
of $2,338, not only will this reduce their loan term, but
they’ll also save thousands of dollars in interest.
Separate
debts
Consolidated
debts1
Outstanding balance $260,000 $260,000
Monthly repayments $2,338 $2,338
Remaining term 16.1 years 14.95 years
Total interest payable $191,469 $159,117
Interest saved $32,3521
If you have debt, you need to manage it effectively
before you can start to grow your wealth. To do this,
it’s important to know the difference between good
and bad debt, give your bad debt the flick and turn your
good debt to good use.
A guide to
Turn your debt to wealth
1. Assumptions: A monthly repayment of $2,338 for the life of the loans for both options. For separate debts, once the credit
card/personal loan is repaid, payments are redirected to the home loan.
11490C-0810jd SEC Debt Flyer.indd 1 3/09/10 1:12 PM
2. Mortgage offset facility
It’s always comforting to know you have cash in
reserve for emergencies.
If you keep ‘spare’ cash in a normal bank account, the
interest rate is often lower than what you’re paying
on your home loan. What’s more, you pay tax at your
marginal rate on what you earn in interest.
If you placed your spare cash in a mortgage offset
account instead:
• you don’t earn interest (so you don’t pay tax) but
• the interest you owe on your home loan is
calculated on a lower balance (your home loan
minus the amount in the offset account) and
• your savings are still at call if you need them.
Normal
bank
account
Offset
account
How do interest
rates compare?
Low Higher*
Is the interest
taxable?
Yes, at your
marginal tax rate
No
Does it help pay off the
home loan quicker?
No Yes
Is the money easy to
access?
Yes Yes
* Full or 100% offset loan. Some lenders compensate for
this by charging a higher interest rate.
Here’s an example of how you can save interest
and reduce your loan term using a mortgage offset
account.
Lyn has a home loan of $260,000 at 7.25% p.a.
interest with repayments of $2,338 per month. She
also has $20,000 in a bank savings account earning
5.00% p.a. interest and she pays tax at her marginal
rate on the interest she earns.
By placing her $20,000 in a mortgage offset account,
the interest Lyn pays on her home loan is calculated
on $240,000 instead of $260,000.
The graph on the right shows the difference Lyn pays in
interest on her mortgage when using a mortgage offset
account compared to keeping your spare cash in the bank.
Using a mortgage offset account, Lyn saves $33,213 in
interest and reduces her loan term by just over a year.
Before strategy
Loan term: 14.95 years
Interest payable: $159,117
After strategy
Loan term: 13.75 years
Interest payable: $125,904
Interest saved $33,213
Assumptions: $20,000 is deposited and remains in the offset
account for the term of the loan. Monthly repayment of $2,338 is
maintained for the life of the loan.
Redraw facility
An alternative to having an offset account is to pay
your savings into a home loan account and use a
redraw facility. The redraw funds would be less
accessible than an offset account as you may need to
transfer money from the loan account into an account
you can withdraw from. This may help you avoid the
temptation to spend.
A redraw facility may not be available on all loan
products, so check with your mortgage provider.
Borrowing to build wealth
It’s important to build your wealth to meet long-term
goals such as having enough money when you retire.
But if you wait until you’ve paid off your home loan
before you start investing, you may not give your
investments enough time to grow.
By using gearing as part of a ‘debt recycling’ strategy,
you can potentially pay off your home loan years earlier
and then really concentrate on growing your wealth.
Gearing explained
Gearing is borrowing money to invest in shares
and other financial products using your existing
investments or assets as security. It allows you to invest
more than you could afford using just your own money.
This means you can potentially get higher returns
on your investment if it increases in value. You may
also be able to claim the cost of investing (including
interest) as a tax deduction, which means your overall
tax bill may be reduced.
But gearing is risky because there’s a chance your
investment could fall in value. To reduce this risk,
lenders will generally only lend you a maximum of
around 70% of the value of your investment. They’ll
also take security over your investment so it can
be sold to repay the loan if the value drops below a
certain level.
Use your cash reserves more effectively
11490C-0810jd SEC Debt Flyer.indd 2 3/09/10 1:12 PM
3. Debt recycling
Debt recycling is about using the equity in your home
to get an investment loan and repeating the cycle
shown below until you’ve paid off your home loan.
After paying off your home loan, you can use all your
surplus income (including investment income and
tax savings) to buy more investments or repay your
investment loan.
Debt recycling in practice
David and Jane have a home worth $500,000. Their
mortgage balance is $300,000 to be repaid over 30
years at an interest rate of 7.25% p.a. They currently
pay $24,000 per year in mortgage repayments and
have surplus cashflow of $12,000 per year.
David and Jane’s financial adviser recommends they
increase their mortgage repayments by $12,000
per year and use a debt recycling strategy to borrow
money to invest in a share portfolio. They are
comfortable with maintaining their overall level of
debt at 60% of the current value of their home.
After year 1 (taking interest charges into account)
David and Jane have paid $15,550 off their home loan.
They take out a $15,550 investment loan and invest in
Australian shares through a managed fund.
They continue this process each year. After their home
loan is paid off, David and Jane continue to direct all
their surplus cash, income and tax savings into the
share fund.
The table shows the benefits of a debt recycling
strategy after 20 years compared to paying off the
home loan first and then using surplus cash to invest.
Debt recycling
strategy
Repay mortgage
before investing
Years to repay mortgage 12.7 12.3
Value of investment portfolio after 20 years $931,672 $396,668
Outstanding debt after 20 years $300,000 Nil
Net position after 20 years $631,672 $396,6682
1You invest
borrowed money in
growth assets such as
shares or a managed
investment
2Use the investment
income and tax
savings plus your
surplus cashflow
to reduce your
outstanding home
loan balance
3At the end of each
year, you borrow an
amount equal to what
you’ve paid off your
home loan
4Use this money
to buy additional
investments
2. Assumptions: All investments and loans held in David’s name. Share fund return of 9.5% (4.5% income and 5.0% growth),
franking level 70.00% and interest on home loan 7.25%. All rates remain constant over the 20-year period. After 20 years,
investments are sold and Capital Gains Tax plus loans are repaid. Calculated using a marginal tax rate of 38.5% including
Medicare levy.
11490C-0810jd SEC Debt Flyer.indd 3 3/09/10 1:12 PM
4. SEC11490C-0810jd
IMPORTANT INFORMATION
This publication has been prepared by Securitor Financial Group Limited ABN 48 009
189 495 AFSL 240687. The information in this publication does not take into account
your personal objectives, financial situation or needs and so you should consider its
appropriateness having regard to these factors before acting on it. The taxation position
described is a general statement and should only be used as a guide. It does not constitute
tax advice and is based on current tax laws and our interpretation. Your individual situation
may differ and you should seek independent professional tax advice.
Budget
Take time to complete a budget planner. By keeping
a written record of all your income and outgoings for
at least three months you’ll make sure your budget is
based on accurate figures.
A budget will help you get an idea of where you’re
spending your money, where you can potentially cut
back on spending and how much is left over after
you’ve paid all your regular bills and living expenses.
If you find your income is greater than your expenses,
you can use the extra to pay off your debts.
Reduce your loan
Any extra payments you make on your home loan
(especially in the early stages) will reduce the interest
you pay. Using spare money to make extra payments
can have a big impact in the long run, potentially
reducing your mortgage term by years.
If you make extra payments towards the end of your
loan it’s less effective, as the interest component of
the payments is lower. But any extra payments will
still save you interest. Before you make any extra
payments, check that your lender allows it. Some
lenders may charge you for paying more than you
should or paying out the loan early. You should also
check if your lender allows you to redraw money from
your home loan as this will give you peace of mind
that you can get back any extra you’ve paid if you
need to.
Time to review your debt?
It’s a good idea to review your debt as
your circumstances change throughout
your life. Getting married or divorced,
buying a house, changing jobs, inheriting
money, getting ready to retire. All these
life events can change your
debt position.
Talk to your financial adviser about
strategies to help rid yourself of bad
debt and put your good debt to work to
create a wealthier future for you and
your family.
11490C-0810jd SEC Debt Flyer.indd 4 3/09/10 1:12 PM