Loan to Value Ratio (LVR) and other banking mysteries – a guide for Doctors

by Dr April Armstrong | Dec 18, 2016 | Advice, Banking, Borrowing money, Property

Many health professionals lack an understanding of the banking industry. Terms like ‘LVR’ are a mystery. As a result applications for finance become frustrating due to the paperwork and information that is required. The various loans, deposits, interest...

To fix or not to fix, that is the question! Mortgages rates explained

by Dr April Armstrong | Dec 14, 2016 | Advice, Banking, Borrowing money, Financial advice for Doctors, Investments, Property, Property investment

by Dr April Armstrong Having purchased a number of residential and commercial properties I have always sought to understand the benefits and risks of fixing interest rates. Interest rates have been low and affordable over the past 10 years. My increasing income as a...

7 legal mistakes that could cause your business problems

by Dr April Armstrong | Dec 11, 2016 | Advice, Legal advice for Doctors

[apss_share] Our guest contributor this week is Sarah Bartholomeusz, founder and CEO of corporate and business law specialists You Legal. Sarah was the South Australian Telstra Businesswoman of the Year 2015 in the Start-up category. We thank Sarah for permitting us...

Negative gearing on holiday homes

by Dr April Armstrong | Dec 11, 2016 | Advice, Property, Property investment

Investing in property can extend to rental holiday homes which sounds almost too good to be true. With careful selection and consideration, a family holiday home can be a viable financial investment. Negative gearing that applies to residential and commercial...

Self-Managed Superannuation Funds (SMSF)

by Dr April Armstrong | Dec 4, 2016 | Advice, Self Managed Super Funds, Superannuations

What is a Self Managed Superannuation Fund? A Self Managed Superannuation Fund (SMSF) is a type of superannuation fund established so the member can have ultimate control and responsibility of the investment and administration decisions of the fund in its capacity as...

Superannuation – a guide for Doctors

by Dr April Armstrong | Nov 30, 2016 | Advice, Retirement planning, Superannuations

  Despite being a person who likes to know about everything, I have buried my head in the sand when it comes to superannuation. The very thought of writing this article gave me days of procrastination energy. So after several pleas for assistance from a friend...