Access One » How to’s

SPECIAL REPORT: Get Rid of Debt and stay Debt-Free for Life!

AccessOne — Tue, 14 Sep 2010 03:21:08 +0000

I hate debt! I’ll bet you do too. Why wouldn’t you? You know that debt brings with it a heavy burden that includes not only financial problems but emotional burdens, psychological and physical stress, family problems and a diminished ability to enjoy life. Getting out of debt feels great! It adds a whole new dimension [...]

How to save money with an offset account

AccessOne — Wed, 18 Aug 2010 23:50:39 +0000

For those that don’t know what a mortgage offset account is it’s simply a savings account linked to your mortgage account. You deposit your income or any extra income you have into the savings account and the balance in the savings account is offset against whats owing on the mortgage therefore you pay less [...]

House prices and what the forecasters are saying

AccessOne — Fri, 06 Aug 2010 02:28:52 +0000

As always, the media is making as much noise as possible about house prices, interest rates and the economy and then there is various monthly and quarterly reports on house prices from valuers, property consultants and economists, so I’m going to try to put them altogether and bring the whole show back to Earth.

OK [...]

Secret to building wealth

AccessOne — Wed, 04 Aug 2010 09:32:29 +0000

The secret is about acquiring the ability to pay yourself first by saving at least 10% of your annual salary for your long-term benefit.

Top 10 Credit Card Commandments you can’t live without.

AccessOne — Fri, 23 Jul 2010 03:14:10 +0000

It’s the most widely available financial product there is. More than 80% of households have at least one credit card. And if you dare to classify yourself as “average,” you have about four charge cards currently demagnetising themselves in your wallet.

To bolster your standing as an upstanding citizen of the world of plastic money, [...]

Property or Shares?

AccessOne — Thu, 13 May 2010 00:54:27 +0000

Which is the better investment? It’s a question that comes up again and again. Let me first say that there is no right answer, it all depends on your own situation and your own goals. This point is very important because we are not all the same we have different jobs, family concerns, tax concerns [...]

Pre-approval – Gives You The Power To Negotiate

AccessOne — Wed, 05 May 2010 05:26:34 +0000

Pre-approval is a commitment from a lender that (in principle) you meet their criteria for a loan up to a certain amount, and that they will provide you with the finance once you find the right property.

“You don’t need to have decided which property you’ll purchase.” Obtaining pre-approval can take as little as 24-48 [...]

Top 5 cutbacks to make this year

AccessOne — Tue, 04 May 2010 02:20:03 +0000

Every month we go through this ‘will they or won’t they?’ raise interest rates, and we sit pondering how this will effect us. It’s hard enough for families to plan there finances and lifestyle without the debate of which way interest rates are going. How do you plan 6 weeks down the track let alone [...]

Ways to boost your home valuation

AccessOne — Wed, 28 Apr 2010 23:56:04 +0000

We are always looking to increase the value of our home’s whether that’s by furnishing your home with new lounges tables and TV’s or putting in that new garden but does that increase the value of your home or just personalizes your home.

Worth a mention is that a valuation is done by a qualified [...]

Your guide to refinancing

AccessOne — Wed, 10 Mar 2010 05:06:29 +0000

When refinancing which home loan is right for you? Learn the differences between fixed rate and variable and is interest only or principal and interest your best option. Refinancing can get you a lower mortgage repayment but it also has pitfalls...