Every day I work with people who are miserable because of the lack in their lives.
How do you change it? Take responsability and change your story NOW!!!
Watch this video to explain how.. Remember this applies to everything as well as money.
Feng Shui (pronounced fung shway) is an ancient Chinese practice that involves art and science.
It has been around for thousands of years. The practice relies on the laws of heaven and earth to
help people balance their energies within a space. This is to help them receive fortune and
health.
The word “feng” means wind and “shui” means water. Therefore Feng Shui means “wind
water”. The local Chinese people place wind that is gentle and water that is clear in one setting.
It is to represent good health and harvest.
Feng Shui prides itself on thinking that the land includes Chi. The work Chi has to do with
energy. Back in ancient times, the local Chinese people claimed that the energy of the land
would be good or bad for others.
Feng Shui comes from the Taoist ideals in order to deal with nature. Taoism deals with religious
and philosophical beliefs. Taoism has a strong influence in Asia.
Taoism is also responsible for birthing yin and yang concepts. Yin and yang deal with opposite
aspects of a phenomenon or comparing two phenomena. They represent quality in regard to
correspondence which is found in most areas of Chinese science and philosophy. An example of
this would be ancient Chinese medicine.
In addition to that, the main five Feng Shui elements are also derived from Feng Shui. When
doing a Feng Shui analysis, the Compass and the Ba-Gua are used. The Ba-Gua is a grid that is
created in the shape of an octagon.
This grid has symbols of the I Ching. In fact, Feng Shui is based on this premise. In order for
you to connect the areas of your home with Feng Shui, you need to understand the concept of
Ba-Gua.
The compass is also known as “lo-pan”, works to gain additional information about a facility.
The magnetic needle is surrounded by concentric rings that are strategically placed. The word
“lo” means everything and “pan” means bowl. Lo-pan is used to open the mysteries of the
universe.
When learning Feng Shui, you have to start off at the basic level in order for you to understand
the entire process. After you had a good understanding Feng Shui on the basic level, you will get
phenomenal results. The results will affect how you perceive Feng Shui. You will want to use it
on a regular basis in your home and your business.
When engaged with Feng Shui, you will need cures in order to have a better life. There are
different things that can be used to achieve this. Here are five of them:
Brokers are common place in today’s society for a variety of different things ….. one of the major area’s is finance.
Why would you use a broker … well why not ??? Brokers are normally accredited with all the major banks as well as many other institutions that are just as reputable if not better but you may not know all about them. The job of a broker is to find you the best loan., and who pays for this you ask … the banks !! yes that’s right you have access to professional advice from people who live and breathe mortgages and finance and you don’t pay for the service .. the bank does !!!! Wonderful hey …..
Just as it all sounds too good to be true, please buyer beware …. You MUST ensure you have a broker who is registered with the MFAA of FBAA. You should be sure they have the experience and the knowledge of the lending industry and preferably a Cert IV in finance broking. This is not compulsory in QLD meaning that perhaps not all brokers are experienced enough to be looking after your financial affairs. Please also be mindful that the various institutions do pay brokers different amounts so don’t be swayed to a certain bank just because they want you to go there … it must be that they have your best interests at heart. Your broker should be able to explain to you why they are obtaining your loan where they do and ensure the loans features and benefits suit YOU and your family.
There is a mountain of information out there on the various loans and institutions that provide finance … there are numerous different loans and packages and brokers must keep their knowledge of what is on offer constantly up to date. All the products and packages offered through banks can be applied to your loan if you apply through a broker and you will be become a customer and receive all the benefits of that organisation just as if you had walked in there yourself.
A good broker knows where you are most likely to be approved for your loan. Everyone has different circumstances and not all of us fit a generic box that meet general lending criteria…There are always reasons as to why we don’t and it doesn’t always make us a bad risk for a loan, everyone has a story and we need to explore that to ensure you get the right deal. Brokers have access to all the lenders policies and will know where to get your loan approved. After all who has time to sit at appointments at over 30 different lending institutions and find out who will approve them and give them the best deal …… Explaining your personal circumstances and going over your very sensitive personal information can be daunting and being declined for finance is never a nice feeling .. this can be alleviated by visiting a broker you trust and let them do the hard work for you.
Please feel free to email or call me with any questions I am always more than happy to give you advice obligation free and to help you plan the things you want to achieve whether it is in the short term or the longer term …. Let’s make a plan whether it is to buy your first home or your fourth, your life insurance or investment advise you deserve the extra attention and care it is a big decision …
By Rebecca Jeal
Women and finances ….
Women these days are more in control of their finances and future plans than ever. We are increasingly a main, equal or sole family income earner. Women make important decisions daily; we are mothers, wives, friends, daughters – we multi-task we are the heart of our families and networks. It is much more accepted that women are professionals as well as mothers and carers and can hold their own in the finance/working world. Women invest for futures be it their own or that of their children we do this with our time and our money and our hearts. We are learning more and more to rely on ourselves and each other. Women mean business.
Women today are just as likely to buy property for living in or for investment as men. They and their income are treated equally as important. You can do this your way .. you can purchase with friends or family or simply alone.
A 25- or 30- year home loan can be a daunting thought … but it is important to be planning ahead. Find out what you need to be able to get what you want.
There are a host of mortgage products available today some of them designed to attract different’ demographics in life. All products have their benefits and sorting through which one will suit you can be a difficult task. You need to ensure you take the time and have the assistance of a professional to explore the current and future needs of you and your family.
First home buyers qualify for assistance from the government and have some fees and charges reduced to make entering the market place a little easier.
There are packaged loans that generally involve 3 core products such as a mortgage, deposit account and a credit card. There are no-frills products and introductory products.
There are fixed and variable products.
My personal favourite, Cash Flow Equaliser, this will allow you to choose your own loan repayments for up to three years. (With the option to roll it over and do it again if you like) You can use this to reduce your mortgage payments in times such as upcoming maternity leave, for education expenses or consolidation of debt and home improvements. This product is a wonderful tool for reducing monthly commitments and giving you back some lifestyle and taking away some worries.
Please feel free to email me anytime on mailto:rebecca@fbcgroup.com.au and visit our website at www.financialbrokingconsultants.com.au for further information. I am always more than happy to assist with any questions you may have on mortgages and property. My service is of no charge to you.
I am, after all just like you, doing the best I can with children to raise, bills to pay, friends and family to cherish along with coffee and wine to be drank …. : )
Tougher economic conditions are seeing many women get tough with their finances.
A recent report from Citi shows women are making impressive progress with their financial well-being. Among the 200 women surveyed for Citi’s Fin-Q report, 50 percent were paying their credit card off in full each month, compared with 34 percent a year ago.
Over one in four women (28 percent) are sticking to a budget, up from 18 percent last year.
Tania Browne, investment specialist and advice coach for Citi, says: “In the past women may have relied heavily on men to handle their financial affairs, often putting money matters in the ‘too hard’ basket.
The Citi Fin-Q shows females taking practical steps in preparation for bad times ahead.”
Concerns over rising unemployment may be driving women to take money matters in hand, but the fairer sex can get a raw deal when it comes to personal finances. A separate report from AMP/NATSEM shows women still way behind men when it comes to lifetime earnings.
A 25 year old man is likely to earn a total of $2.4 million over the next 40 years, more than 1.5-times the $1.5 million prospective earnings of a 25-year-old woman.
www.understandingmoney.gov.au.
For more info .. go here and click on women understanding money …..
Author
Bec Jeal
Finance & Lending Expert
