Astute Financial, Your Face Matters, Angela Farlam

FINANCE

with Marilyn Brayshaw YOUR FACE MATTERS

with Vickie Magic LICENSED THERAPIST

with Angela Farlam

WHAT SHOULD I DO WHEN MY FIXED RATE EXPIRES?

For many Australians, their fixed rate period is due to expire in the next 12 months. With the large increase in interest rates over the last few months, and with more to come, many are now considering what to do when this period ends. So what are your options? What many people don’t realise is that if you do nothing, your loan will likely default to a Bank Standard Variable Rate (BSVR), which is often higher than what you could get if you shopped around, or even higher than if you re-signed with the same bank. Instead, it’s time to look at reviewing your home loan and preparing yourself well before the fixed rate period ends. You could look at options like refixing your home loan, switching to variable, or splitting your home loan. The most important thing is to shop around and find a competitive loan that suits you. A great way to do that is with the help of a mortgage broker who has access to a wide range of lenders and products to suit any situation. ca

IT’S PAMPER TIME

Facials aren’t just amazing, relaxing and rejuvenating, they are also a way to help keep your skin looking its absolute best. Vickie’s Your Face Matters beauty salon specialises in all things for the face. She offers the good old-fashioned facial, including a double cleanse, steamer, ten-minute relaxing massage, optional microdermabrasion, optional skin needling, optional radio frequency, a customised mask and moisture. All of these tools help you to look and feel your best. They help with fine lines (and the not so fine ones), pigmentation, sun damage, scarring, large pores and redness. It might be the perfect time for a pamper and the perfect time to really get serious about looking after your skin Facials start from as little at $75. Do your skin a favour – give it some loving pampering. Check out our pricing at www.VickieMagic. com.au/beauty or have a look on the Your Face Matters Facebook page. Text 0433 198 868 to book. ca

ASTUTE FINANCIAL MANAGEMENT PTY LTD P. 0414 789 665 www.astutefinancial.com.au/ mooloolaba/

ABN 59 093 587 010 Australian Credit Licence Number 364 253 YOUR FACE MATTERS P. 0433 198 868 Facebook @YourFaceMatters Located inside Angelic Hair at Shop 4/ 18-29 Parkana Cres, Buddina www.VickieMagic.com.au/beauty

PUBLIC SPEAKING

Leading a presentation at work, delivering the perfect pitch to a room filled with your industry peers or being asked to give a speech for winning an award? For many people this is an exciting moment in their career but at the same time, the stuff of nightmares. Good news! It doesn’t have to be that way at all. Fear of public speaking is a learned experience. Unfortunately, it can potentially hold you back from new clients, making new business connections and growing your business successfully. The fantastic news is, you can find your voice. You can learn to speak publicly with confidence - even enjoy it. Through expert Hypnosis and NLP (Neuro-Linguistic-Programming), you can retrain your mind and body to find calmness and focus. You can master the art of delivering a speech or presentation and land them in a flawless, deliberate way that makes you shine with confidence and intelligence. All through the life changing effects of hypnosis and NLP. I’m Angela Farlam, and I am an experienced coach and hypnotist. I help hundreds of people to gain their freedom back and deal with public speaking. To book a free discovery session, visit https://go.oncehub.com/AngelaFarlam AppointmentBooking ca

ANGELA FARLAM P. 0414 211 976 E. angela@angelafarlam.com www.angelafarlam.com