WinQuote Wealth

10/04/2017

https://vimeo.com/211436633

Winquote Financial Services - SMSF Checklist

23/12/2011

As the Holiday Season is upon us, we find ourselves reflecting on the past year and on those who have helped to shape our business in a most significant way. We value our relationship with you and look forward to working with you in the year to come. We wish you a very happy Holiday Season and a New Year filled with peace and prosperity.

Vijay & Abhishek

12/12/2011

With competition fierce between lenders for borrowers' business, we also take a look at refinancing your home loan. If you haven't reassessed your loan for some time, or if your circumstances have changed since you first took it out, it's worth reassessing your current loan to see if there's one on the market that's more appropriate.

Not only can you possibly secure a lower rate, you may be able to find a home loan with greater flexibility to meet your changing financial situation.

call us on 02 99299733

12/12/2011

Are you a first home buyer or do you know one? If so, did you hear about the State Governments decision to discontinue the stamp duty exemption for existing properties from January 2012?? This means that unless you were planning on building, or buying a newly built or extensively renovated property, it could mean thousands of dollars more cost to you. Get in touch with us if you want to know more about how this may affect you.

02 99299733

30/11/2011

Mini Federal Budget – financial planning implications

Please message your preferred email to recieve your copy of the Mini-Budget -Super and Tax Annoucement ( Summary )

28/11/2011

Irrigators say the draft plan to save the Murray-Darling Basin will make food more expensive.

23/11/2011

www.fsadvice.com.au
Volume 06 Number 03 | 2011

Risking Everything The Central Proposition


The central proposition from the research is that advisers enable clients
to make better decisions around their financial futures by identifying
risk and then taking steps to manage and mitigate this risk.
Their levels of cover are more realistic and these clients better understand
the benefits of the cover.

The key insights include:
Underinsurance crisis
Around half of respondents have life insurance (52.0%). Of those
who don’t, almost half (48.5%) say the reason is they do not think
it’s necessary.
Two in five (43.5%) say they are not likely to ever take out
insurance.
The average person with life insurance is underinsured. Across all
wealth segments, the average self-reported level of cover is just 5x
earnings – half of what is recommended by Rice Warner.
Of those who say they are aware of how much life cover they
currently have, the average self-reported amount is $627,156.
Perceptions of adequacy are likewise misguided, and even lower
than actual cover levels.
While the average person with life insurance thinks that they
require $609,481 in cover; adequacy perceptions are much
lower among those who are insured directly through the insurer
($399,474).
There is a strong perception among the uninsured that life
insurance is expensive. Half as many uninsured respondents say
life insurance represents value for money (25.3% vs. 54.4%), while
three quarters (74.7%) say life insurance is not reasonably priced.
Many uninsured respondents are distrustful of the insurance
industry, viewing it as ‘money grabbing’ and ‘fear mongering’.
Life insurance is considered the least important type of insurance
(compared to home and contents, comprehensive car insurance
and medical insurance), while home and contents insurance is
considered the most important.

The Australian Journal of Financial Planning is the definitive source of reference articles and case studies for the financial planning industry in Australia. It provides the highest standards of thought provoking analysis and practical techniques, sourced from academics, practitioners propriety res...

22/11/2011

Canstar discusses fixed home loan rates on Channel 10 News, with the possibility of a rate cut on Melbourne Cup day.

21/11/2011

With the changes to the First Home buyer benefits just around the corner, below is a timely reminder of a great option for First Home Buyers to get them into the market.

- Variable Rate 6.74%
- Great fixed rates – 2 year 6.19% and 3 year 6.29%
- Family support allowed for security and servicing
- 95% plus LMI or REF (full cap)
- Standard servicing applies (i.e. no buffer, etc.)
- 3 months savings
- Available for construction to 95% plus LMI.


If you have friends, associates or relatives looking wishing to take advantage of the current first Home buyers benefit, please direct them to us. Your referral will be much appreciated.