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Tips To Find The Right Investment Property

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Tips To Find The Right Investment Property

It’s time to put your future first. Don’t retire with nothing to back you up financially, get ahead now!

Investing in your prospective years can make all the difference to how you live when you give up work. By setting yourself up financially in your younger years, you can get a head start on achieving your goals. Find the right investment property and you will be well on your way!

Why is investing in property important?

Property investment is not for everyone. Some people prefer to invest their hard earned dollars in shares and stocks. But for those interested in investment property; it is typically considered one of the safer options to invest in.

If this is a route you are considering, you must first be aware of the pros and cons that are associated with investing in property.

Pros and cons of investing in property

There are so many factors to consider but the main ones consist of:
PROS

• Insurance – You can insure your investment against a wide variety of risks; natural disasters, fires, tenant damage/tenants leaving, etc.

• Capital growth – If you have chosen your investment well, you will see a rise in property value over the years to come in addition to regular rental returns.

• Tax benefits – If your property is negatively geared it could provide potential tax benefits. This is not always the case and should not be a deciding factor but is often a benefit to investing in property.

CONS

• Problematic tenants – While this doesn’t happen regularly, you could end up with the tenants from hell. They could damage your property, refuse to leave, not pay rent and cause several other headaches that could take months to resolve.

• No tenants – There is occasional periods where you will have no tenant occupying your property and you will be required to pay the mortgage repayments.

• Ongoing costs – In addition to the initial cost of the property, you will also find that there are ongoing costs associated with property investment. These include: rates, body corporate (if applicable), repairs, insurances, water, maintenance and more.

Property must haves

Similarly to when you are purchasing or renting a house for yourself and your family, the property must consist of certain features to make it an enjoyable and desirable place to live. Investments are no different.

• Location – You have heard it before and you will hear it again. A good location is important for attracting the right tenants. A good location is safe, offers peace of mind and is close to public transport, schools, shops, etc.

• Storage – From ample linen space to bedroom closets; storage is a crucial decision-making factor.

• Parking – Surprising to some, not every property comes with parking. By adding the option of a garage, carport, undercover or off street parking; you will increase tenant interest dramatically.

• Maintenance – It is in your best interest to find a property that requires minimal yard maintenance. Tenants don’t want to pay for upkeep of pools, gardens, etc. so unless you are willing to pay a professional to maintain the grounds, stick with simple!

Research the property you want

Buying property can be an emotional experience; however when making the decision, use your head and not your heart!
Research must be done into not just the property but also the area before taking the plunge.

• Infrastructure – What is happening in the area? Are future buildings, businesses or projects planned? This can have both devastating and beneficial effects on the value of your property, so ensure you know what is going on.

• Return potential – The expected return of a property is one of the most important things to consider when purchasing property. Do research and compare the property with those similar in the area on rental sites.

• Investment strategy – Do you plan on negatively gearing the property or receiving a positive cash follow? What is the loan rate? Suburb growth? Do you want a unit, house, etc? By comparing your answers to the above questions on the Homesales.com.au Investment Property Search, you will be shown options around Australia that are expected to produce the results you want.

Don’t just jump in and buy a property. Make sure you take the appropriate steps to ensure it is what is best for you financially and that your purchase will indeed be an investment. Don’t risk buying a bottomless money pit. For more information on property investment, click the link.

Investing in your future doesn’t have to be stressful. By considering the above points and doing your research, you will find the right investment property for you!

What tips would you offer someone trying to find the right investment property?

Disclaimer: I am not a financial advisor and this article should not be used as such. For financial advice, consult your financial advisor.
This is an S1 POST.

The Health Benefits Of Coffee

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The Health Benefits Of Coffee

Some claim it’s a harmful vice, others say it’s an indulgence they can’t live without it – regardless of how you perceive coffee, there’s no doubt of its popularity. It also has a large number of health benefits. Check out the list below to discover how coffee can help you!

It stimulates the mind and body

Anyone that’s ever consumed a cup of coffee knows it can instantly perk you up. This is because caffeine stimulates the neurons in the brain and increases mental efficiency. Once the mind is in gear, the body tends to follow. It’s no secret that many athletes drink coffee just prior to exercise to improve alertness, boost energy levels and improve overall performance.

It lowers the risk of disease

Recent studies have shown that consuming three to five cups of coffee a day can reduce your likelihood of developing Alzheimer’s or dementia later in life. Drinking coffee has also been linked to increased cardiovascular health, and may lower the risk of liver disease. But don’t hook yourself up to an IV drip of the stuff just yet – too much of a good thing can be harmful. Drink in moderation as part of a balanced diet and don’t forget to exercise!

It’s a natural exfoliant

No, you haven’t stumbled upon a crazy, new-age health and well-being blog. Coffee is a wonderful natural exfoliant that leaves the skin supple and smooth. Incorporate coffee grounds into your daily skincare regimen – either through a homemade face mask or as a whole-body exfoliant. You could use a premium grade brand such as Di Bella Coffee and massage grounds into your skin in circular motions for best results.

It’s good for your hair

It might surprise you to discover that there are already a number of shampoos on the market that use caffeine to stimulate hair growth and maintain volume and shine. You can also rub coffee grounds through wet hair prior to using shampoo for a clean and glossy feel. A word of caution: if you’ve got light hair, you might want to go easy on the morning “hairspresso”.

It’s full of antioxidants

Many people assume that it’s the caffeine in coffee that makes you feel “on top of the world”, but it might actually be due to the large amounts of antioxidants contained within each serving. Fruit and vegetables are a great source of antioxidants (as well as tea), but studies suggest the human body responds most positively to the antioxidants found in coffee. So there you go – there’s no need to feel guilty about downing that cheeky espresso in the afternoon.

Coffee is one of the world’s most popular beverages. While the taste and aroma of this ancient drink have proven popular for centuries, it also has several health benefits that are well worth discovering.

Do you know of any other health benefits associated with coffee? How does it affect your day-to-day life?

Share your answers and experiences by leaving a comment below.

This is an S2 POST.

GO NUDE! Join Nude Food Day 2015

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This year I am a Nude Food Day Ambassador and I feel humbled to be a part of it. Unlike previous years where it has been promoted on a specific day; this year Nude Food Day is being celebrated across any day of October, all of them if you are that committed!

I am actively taking part in Nude Food Day this October to reduce the amount of wastage and rubbish we use when packing lunches, storing leftovers and even the products we buy. By making small changes in our choices, we are seeing a positive impact on not only our environmental influence but also our selections in food. Our improvement in fresh and healthy food options has been outstanding and one that we will continue as often as possible.

Nude Food Day encourages both parents and children to make conscious choices that result in healthy eating and a healthy planet. For more information on how you can be involved and encourage kids (and adults) worldwide to join the Nude Food movement, click the link.

Every small effort makes a difference – start by sharing your favourite fresh food and or Nude Food Mover on Instagram and Facebook. Use the hashtag #NudeFoodDay

All Mum Said has been sharing pics that you can see here: Instagram: @allmumsaid

Check out Nude Food Day at www.nudefoodday.com.au | Facebook: National Nude Food Day

To get you in the mood for celebrating and embarking on this fresh challenge; All Mum Said has got a great giveaway for you all. I have got 5 – YES 5 – incredible SMASH NUDE FOOD MOVERS packs worth over $50 each to giveaway!!

5x WINNERS!!

Each prize contains: (RRP $50+ each) Total prize pool $250+

  • Nude Food Movers Rubbish Free Lunchbox
  • Nude Food Movers Coolskin
  • Nude Food Movers Sandwich Box
  • Nude Food Movers Snack Box
  • Smash Sports Pop Top Drink Bottle
  • Smash Stealth Drink Bottle 500ml

**As the winners are chosen based on skill and not chance; you will be sharing for 0 extra entries however I’d love you to share the giveaway with friends and family. Sharing is caring and karma loves kind people. **

a Rafflecopter giveaway

Terms & Conditions: 
1. Australian residents only.
2. Judges decisions is final.
3. Winners must make contact within 72 hours.
4. This is a game of skill. Chance plays no part!
Therefore no extra points are given for sharing however it is good karma!!
5. All Mum Said is not responsible for delivery of prize.
NOT endorsed by or have anything to do with facebook.

If you want to enter more giveaways click over here.

If you would like to learn more about the Nude Food Movers range by Smash check out:

www.nudefoodmovers.com.au | Facebook: Nude Food Movers | Instagram: @nudefoodmovers

Top 5 Family Portrait Hotspots Revealed – Greater Newcastle Area

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Top 5 Family Portrait Hotspots Revealed

Greater Newcastle Area

The Morpeth Common

WHERE: Ray Lawler and Morpeth Common Wildfowl Reserve, Edward Street, Morpeth NSW 2321

 

 

 

 

 

 

 

Only a short drive north-east of Maitland is the historic and winsome river-side village of Morpeth. The Morpeth Common, a local Wildfowl Reserve, provides a stunning backdrop for family portraits. Old and stately trees give shade during the summer months and surrounding weathered wooden fences assist in creating a rustic feel. We love to work with the environment in a way that enhances the images rather than overpowering them.

Morpeth

WHERE: 37 km North-west of Newcastle and 5 km North-east of Maitland.

 

 

 

Only a matter of minutes from Maitland is the historic and winsome river-side village of Morpeth. There is no end to the possibilities for family portrait photography in this delightful town. Weathered sandstone buildings, old steps and cute doorways all help to make Morpeth well suited to rustic-style photography. The river-bank and the Morpeth Common are also wonderful places to let nature be your backdrop with twisted trees, long grass and secret pathways.

Old East Maitland Train Station

WHERE: Melbourne Street, East Maitland

 

 

 

 

 

 

 

 

Once known as Morpeth Junction, the Old East Maitland Train Station is one of our treasured spots to take families for their portraits. Grass covers most of the old platform now and a cute white picket fence lines either side of the little brick waiting room, providing a whimsical and quaint space for photos. Not only is the station itself a beauty, but the nearby park and even the pedestrian tunnel are also great areas for photos. We enjoy using locations in a variety of ways. You can find and create so many different looks simply by walking around and exploring the area fully.

Nobbys Beach

WHERE: Nobbys Beach, Newcastle East

We are very fortunate as photographers to have beaches as stunning as Nobbys so accessible. Perfect for panoramic shots, Nobbys Beach is a beloved location for family portraits. The lighthouse perched atop its hill, grassy dunes, the rolling ocean, big wide sandy shores…need we say more? You can also find some wonderful shots near the breakwall and the surf lifesaving building. Pick a day that isn’t too windy and you can’t go wrong really.

Merewether Ocean Baths

WHERE: Henderson Parade, Merewether NSW 2291

Much to our delight, the iconic Merewether Ocean Baths have been recently revamped and now provide an unconventional but awesome alternative to the classic beach family portrait. In particular, the diving blocks, the walkways and railings along-side the baths and even the nearby surf house are our highlights. If you fancy some more natural or interactive shots, only a short stroll away are some beautiful rockpools and sandy beach areas.

Valentine

WHERE: Green Point Foreshore Reserve, Valentine NSW 2280

Lake Macquarie in general has a number of fabulous areas for family portraits however we love Valentine! The Park at Green Point Foreshore Reserve has such lovely lake views and an incredible fig tree. There are numerous long winding pathways through the trees and bushland. Closer to the water the overturned boats and jetty give great perspective to our shots. Simple, but lovely in the right light.

If you want a fun, natural, creative photographer in the Newcastle, Maitland and Hunter Valley area, give Michelle-Leigh a call today! 

This is an S2 POST.

Dos And Don’ts Of Buying A Used Phone

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Dos And Don’ts Of Buying A Used Phone

Before you buy a used phone, STOP and read this. It could save you hundreds!
You have found the deal of lifetime but is it really as good as it seems? There are several things to consider before buying a used phone. They include:

Things to do before handing over your money

You wouldn’t just hand your money over to some stranger walking past you in the street, so why would you think about doing it when buying a 2nd phone or tablet?

Do your research

This should typically go without saying however some people get caught up in the ‘great deal’ that they don’t bother or take the sellers word for it.

Take into consideration what you are looking for in a phone; make a checklist if it is easier. Know what brand you want, storage size, minimum running system, screen size and most importantly condition. By researching your requirements in a phone you will be more prepared and likely to wait for the ‘right’ phone to come along.

Tip: Buy after the latest release because the price will drop considerably!

Inspect

Always meet in person so you can physically inspect the goods yourself. Take a long hard look at the phone for scratches, dents, water damage and cracks. If these look fine then you should extend your inspection to be more thorough.

Include checking: SIM works, Micro SD is recognisable, speakers, pixels in screen, camera, headphone and charger ports work and that it is unlocked or compatible to your network. By ensuring these individual components are in good working order, you will have less to worry about when you get home.

Tip: Before meeting with the seller, ask as many questions as possible so you know exactly what to expect when you arrive. This includes the lowest price accepted should phone be as described.

Check IMEI

While this is not a foolproof way to check on a phones handset status; it will tell you at the time of your search whether it has been reported stolen or is blocked.

Check the status of handset here.

Tip: Always request proof of ownership from current owner before handing over your money.

Elimination process

By narrowing down your options based on your requirements, the price and the handsets conditions; you will have a much better idea of what the going rate for that specific phone is. Gumtree have now made the elimination process easier for both buyers and sellers with their online phone price checker tool. This allows you to see the average price and condition of common smart phones.

Do not!

We know finding a bargain is exhilarating but there are some things you should never do when buying a used phone.
• Do not rush in and buy the first one you see. You never know what is waiting around the corner.
• Never meet in a private place. Ensure your meeting venue is a public space and during daylight. Your safety is important!
• Don’t just take the sellers word that it works. Test it and view it in person before paying.

Buying used handsets and tablets definitely has its advantages. They are much more affordable, they don’t require lock in contracts and are typically no different to purchasing new.

You often hear about people having bad experiences buying 2nd hand phones; however if you take these mentioned factors into consideration when purchasing used phones, odds are you will have a positive experience.

What are your dos and don’ts of buying used phones and tablets?

This is an S1 POST.

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