**RICHMOND OFFICE NOW OPEN** – Orange Grove Mall, Shop 17/296 Windsor Street, RICHMOND NSW 02 4578-8256

Suite 415 / 33 Lexington Drive

Bella Vista. NSW 2153

t: 02 8824 4000

f: 02 8814 6003

Articles

Newsletter

Posted by on 5:58 am in Newsletter | 0 comments

Newsletter

Hi from Angela! I hope you find this inaugural newsletter good reading and informative – it has been on the cards for a while! Sit down with a coffee and get updated on the latest in financial management, financial strategy, and tips on other issues that you might find interesting. The articles are broad in nature and hopefully you will learn something. However, my main aim with this newsletter is to cover topical issues that are specific to you. On the home page of my website www.richmondresidential.com.au there is a space for you to submit your questions or topics, and feel free to call me any time on 8824 4000, (M) 0414 608 970 or email  angela@richmondresidential.com.au  Always remember I’m here to help you   Although you are an existing client I see our relationship as ongoing and long standing. It might be time for us to touch base again. None of your questions or concerns are too small; I am good at what I do and have been doing it for many years so take advantage of what I have learnt – believe me, I benefit from the expertise of others all the time! We can’t be expected to be experts on all topics, so just ask me anything you want. Your life and circumstances may well have changed since we last met. How are you travelling? Are you still tracking your budget? Click Here to Download Budget Template. If you need a refresher on tools that can support you then listen to my two latest podcasts. Listen to OR Download Podcasts Here Things to be aware of Mortgage products change all the time and there are constantly new ways of structuring these, so it’s a good idea to get yours reviewed regularly. Life circumstances such as additional family members, adolescents leaving home, job changes, and redundancies have a significant impact on your monthly budget. I think it’s fair to say that you have experienced some major shifts over the past two years. Financial plans need constant remodeling to accommodate these changes. Never compare your finances or assets with those of others. You are unique. Your income, aspirations and timelines will differ greatly from those of your friend or colleague. Be comfortable and confident in where you are now and where your financial plan is taking you. Did you know ? Credit card debt can take years to pay off small amounts if all you pay is the minimum payment.   Did you Know ? Most people do not know what their financial potential actually is.   Mortgage Terms – Find a word! Find these words: BANK, COMPOUND, EQUITY, HOMELOAN, INTEREST, MORTGAGE, RATE   Services we offer Financial strategy Home loans Property investment Financial planning (including insurance, retirement, superannuation and SMSF)  Wayne’s words of wisdom And talking of financial planning – this is a perfect time to introduce myself. I am Wayne Stammers and work alongside Angela at Richmond Residential. In the coming weeks I will be covering a variety of topics, and just like Angela, I encourage you to contact me wayne@charterhousefp.com.au if you have questions about any aspect of financial planning. In the next issue I will be discussing limited recourse lending; the term used for a ‘Self Managed Super Fund’ loan. Until next time...

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Podcast 3 – What’s Next – Goal Setting

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Podcast 3 – What’s Next – Goal Setting

Pod casting from Sydney, Australia – Welcome to Take Control and become the expert in YOUR finances, where You’ll discover sound principals and proven strategies to take your Financial Position to the next level, giving you Complete Control and Certainly in today’s turbulent economic conditions. – Angela Dye!  http://www.richmondresidential.com.au/wp-content/uploads/podcast_music/PODCAST3-MIX.mp3Podcast: Play in new window | DownloadSubscribe: Apple Podcasts | Android | RSS Episode 3:  What’s Next – Goal Setting why is it important to have financial goals what id my goals are to high or to low what if I want to change my goals how do we link all the parts of the strategy together together. What do you want to achieve? If there was no limit what would you do? Financial strategy, cash flow based on Budget / Spending For More Information Visit: http://www.richmondresidential.com.au/ Here is a small sample of the Podcast content below: Angela: Hi. I’m Angela Dye. Thank you for joining me on today’s podcast. I hope that you’ve enjoyed the podcasts on the website so far. Now we have discussed budgets and how they link with your income and how they can help you with your financial future. It’s time to move on to the next, which is goal setting. Interviewer/Support: So Angela, is there any particular age group or type of person that this whole strategy is going to work best for or is it gonna work for everyone basically? Angela: Should work for everybody. Whether you’ve already got property or you’re looking to buy property, you want investment portfolios, you want an owner occupied, or you just wanna take control of you day to day finances, this should work for anybody who is currently working, has an income, and wants to make the most of it. For people who aren’t currently working, there might be unemployment benefits. It still helps to have a budget. If everybody has a budget, then they know where they’re heading. So we can help...

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Podcast 2 – Linking Budget to Income / Liabilities

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Podcast 2 – Linking Budget to Income / Liabilities

Pod casting from Sydney, Australia – Welcome to Take Control and become the expert in YOUR finances, where You’ll discover sound principals and proven strategies to take your Financial Position to the next level, giving you Complete Control and Certainly in today’s turbulent economic conditions. – Angela Dye!  http://www.richmondresidential.com.au/wp-content/uploads/podcast_music/PODCAST2-MIX.mp3Podcast: Play in new window | DownloadSubscribe: Apple Podcasts | Android | RSS Episode 2:  Linking budget to income / liabilities What is the next step after the budget Why do you ask about our current financial position How do we use the budget and cash flow in our strategy How do we benefit from using a cash flow Cash flow – How do we determine whether we are Overspend / Underspend – Current Financial Situation leads to goal setting For More Information Visit: http://www.richmondresidential.com.au/ Here is a small sample of the Podcast content below: Angela: Hi everyone. It’s Angela Dye here again. Thank you for joining me. Hope you enjoyed the last podcast on the budgets. If you have any questions regarding that, you can go to the website and email me or you can call me on the numbers for the office that are on the website. Today we’re gonna go forward to the next podcast, which is linking the budget to the income. Interviewer/Support: So Angela, what is the next step after we’ve actually finished our budget? Angela: Once you’ve finished a budget, then we have to make sure that it works with your current income and your current [unintelligible]. So then we have to start doing our cash flow. So based on the numbers that I take from the clients – and they’re different for every client – I put together a cash flow that projects forward what’s going to happen with their finances based on the budget that they’ve given me. Interviewer/Support: And so are we taking into account their current situation – current financial position? Angela: Yes, we are. We have to look at everything that they have. Interviewer/Support: At that point, yeah? Angela: Yeah, we have to look at everything that they’ve...

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Podcast 1 – Take Control & become the expert in YOUR finances with Angela Dye

Posted by on 5:22 am in Podcast | 0 comments

Podcast 1 – Take Control & become the expert in YOUR finances with Angela Dye

Pod casting from Sydney, Australia – Welcome to Take Control and become the expert in YOUR finances, where You’ll discover sound principals and proven strategies to take your Financial Position to the next level, giving you Complete Control and Certainly in today’s turbulent economic conditions. – Angela Dye!  http://www.richmondresidential.com.au/wp-content/uploads/podcast_music/PODCAST1-MIX.mp3Podcast: Play in new window | DownloadSubscribe: Apple Podcasts | Android | RSS Episode 1:  Budget – Getting ready Why Budget ? Budgeting – what is it? Budget Examples Budget Sheet Writing Budget For More Information Visit: http://www.richmondresidential.com.au/ Download Resources Offered in this Podcast Budget Weekly Sheet   Here is a small sample of the Podcast content below: Angela: Hi everyone. I’m Angela Dye. Thank you very much for joining me on our very first podcast. Over the next few months, we’re gonna take you through the different aspects of your financial strategies to help you achieve the maximum you can from your finances. One of the most important parts of a good financial strategy is your budget. Interviewer/Support: Come on, Angela. You know that everybody just cringes when they hear the word “budget”. Why is setting a budget such an important part of your financial strategy? Angela: Well, you don’t get rich by what you earn. You get rich by what you spend. So it’s important that you understand what you spend and you keep control of your spending. So having a budget is not about not doing what you want to do, but it’s about being aware of what you’re spending when you’re doing what you like to do. Interviewer/Support: Right, so it sorta helps you take a little bit more of a control of your money so that you know where it’s going and what you’re doing with it. Is that the whole goal of- Angela: That’s correct. Interviewer/Support: -putting together the...

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News Update – Website is Live!

Posted by on 6:28 pm in Expert Tips | 0 comments

News Update – Website is Live!

Richmond Residential website is now live! Please stay in tuned for more expert tips and advices.

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Property List Coming Soon!

Posted by on 6:51 pm in Property Listings | 0 comments

Property List Coming Soon!

Property information coming soon!

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