ARTICLES

What is the Stock Market?

By simple definition, the stock market is an aggregation of people who intend to buy a stock (also known as shares) of a company. In the stock market, you can be a shareholder of Woolworths Supermarkets, Subway, Telstra, and other corporations as well.

Why do companies sell their company shares? It’s because they want to raise more money to grow the company even more. Through selling shares in public, they can get a lot of shareholders that can contribute to building more factories, buildings, branches, hiring more people, and so on.

What you can get from buying a company share? A stock market is also a form of investment. Aside from owning a tiny percentage of a particular company. It means that you can earn money from it. Note that not all investments will guarantee a huge income. It’s not easy money as it takes a lot of time and will always depend on the business’ performance. It’s important to do some research on the business or company before you invest your money in it.

How to earn in the stock market? You can earn money from the stock market in two ways:

1. Dividends – An annual income from the company you’ve bought a share with. A good performing company is giving dividends to its shareholders once or more times a year. A dividend could be cash or another stock/shares for free.

2. Selling of stocks/shares – Your stock/share could have an increase in value over time. For example: If you bought a share last month at a price of $2 per share and let’s say you bought 1,000 shares ($2,000). Luckily, the company performs very well this month to the point that it risen its share price from $2 to $3 (1$ increase) so that means the 1,000 shares you bought last month will have a value of $3,000 and if you will sell it in the stock market you will earn $1,000 in just a month.

How to invest in the stock market? Nowadays it is very easy to invest in the stock market because of the technology we have today. With the use of a smartphone through apps or websites, you will now be able to invest in the stock market in the most convenient way possible.

Apply to leave the tenancy if they want to for financial hardship, without paying fees for breaking the lease; or Stay and negotiate a rent reduction with you. We appreciate this is a really challenging time. To get through this crisis, all of us will have to work together. Under this reform, landlords will not be able to evict tenants, except in specific exceptional circumstances (including if tenants damage the property, use it for criminal activity, or serious violence occurs).

Articles

Mortgage Broker vs Direct to the bank

Do you have a plan of getting a housing loan or refinance for your dream house? If yes, this article is for you! In this blog, we will explain the differences between having a Mortgage Broker and applying for a home loan directly to the bank.

What’s the edge of having a Mortgage Broker than having yourself applying directly to the bank?

1. There’s a lot of options – A mortgage broker like Funding Force will offer you a wide range of loan services to choose from as we are cooperating with numerous significant banks all over the country.

If you go to a bank just by yourself. All you can see is their service. So you have no choice. But if you’ll put the loaning matters on the Mortgage Brokers, you will be free to choose any bank and services you want because we are not an agent of any banks. We will give you a lot of options that is perfectly fit your needs, and we will help you to choose the most affordable housing loan that is suitable for your livelihood.

2. It saves more money – If you’ll have a lot of options, you are more likely to have good budgeting with your expenses and saves more money because you’ll be able to know the best options for you in accordance with your standard of living or financial capability.

You’ll be able to save more money with Funding Force because the application fee is free while in banks you’ll need to pay for processing/filling/application fee but with Funding Force it’s all free.

3. Qualification – This is an important part of a housing loan application. If you don’t have the mortgage broker’s assistance like Funding Force. You will be having difficulties with determining if you are a qualified borrower or not and you’ll be required to complete the whole application process just to make sure if your qualification is approved or not.

But with Funding Force, you’ll likely know if you’re qualified within a short amount of time (just a matter of minutes) and you don’t have to go directly to some various banks just to know it.

4. Convenience – Applying for a housing loan is a time-consuming and busy thing to do, most of the time you’ll still need to go back and forth to the bank just to know if they will accept the documents you’ve brought or not.

But with Funding Force, you will only be sent to the bank once your housing loan is approved. So that you can sign the final documents needed to release the money. You will save more time and money as you wouldn’t need to go to the banks, bank and forth.

You don’t even have to spend your whole day just waiting for their decision. Funding Force will do all this for you. Mortgage brokering is a smart way for you to acquire a housing loan. What are you waiting for? If you want to acquire your dream house, contact us now!

Articles

Lockdown 2020 Learning’s and Realisations

As we head into the re-emergence of our pre-lockdown lives, heading back into the office is a fabulous time to reflect on what we’ve learned during the long lockdown period. In many ways, this lockdown has been a blessing for us, specifically in Australia. There has been the long-awaited relaxation and rejuvenation gifted to us and some of the most important blessings were for us to be able to connect with our loved ones; family and friends, as well as nature around us. But perhaps most importantly, for me, I have found a new connection to myself. Here are my top learning’s; in an actual sense they are the deep realisations.

We are one humanity - I have the belief that we are all connected as one: all humans, other living beings, and nature as a whole. I truly feel we are closer to ‘humanity’ than we ever previously believed we were. Just imagine if something happens to someone on the other side of the world, it has a ripple effect and reaches us all the way here, causing us to feel a variety of emotions. I realised that if something happened in China, I felt it here; or watching Lebanon get torn apart by bombs; or hearing about another shooting in America; I felt the pain and tragedy deep from across the ocean. We are all living the karma of the sum of us combined. Whether be it brutality or acts of compassion, it all stays in this universe we co-inhabit.

Everything is temporary - Reading books like Think Like a Monk, I now have a greater sense of realisation that ‘everything’ is temporary in our lives, whether it’s material, emotions, or circumstances. All achievements; awards, money; time; heartache; pain: it all has an end date. It is most important that we show and live a life of gratitude. It’s super important we be ‘present’ and appreciate and be grateful for every moment of our lives.

Digital Disruption - I discovered during this time just how many digital disturbances we experience daily. Social media is addictive, and when there doesn’t seem to be much else to do, we have focused on it, obsessed with it, spent hours and hours in front of our screens, not realising that it kills creativity and productivity. We are our own universe - I believe we always live in two different universes; the external universe and one which goes inside us; meaning how we feel and what kind of conversations we are having with ourselves. What impact we are feeling around an event; a conversation; what we hear; feel or even smell. I strongly believe our own internal universe has many times more effect on us than what happens outside.

Have a deeper connection with your closest ones – It is very important to have a deeper level of connection with the closest people; the ones who have the most influence on your daily life. I think it goes beyond just feeling loved. It makes you feel more valuable/ significant in your own life, the work you do, and how well you do it. Beyond that, how we serve the people around us is the one thing that leads us to influence the outside world.

Give more than taking/ service - How compelling is this statement? To be a champion for others should be the ultimate goal for us all. There is magic in being so humble that we want to give back to those around us, and to do our life’s best work, through our profession. Give more, take less! This comes in many forms. You can deliver more than what you paid for, whether it’s competitively, socially, or individually, doing more than what is expected of you, or somewhere, somehow, even serving without expecting anything in return.

Becoming the best version of our self - The best thing you can ask yourself, is are you being the best version of yourself? Are you truly being the greatest you can be? I have made many mistakes in the last two years, but I have learned so many valuable lessons out of these mistakes and am now using my realisations to create a better, wiser, and more driven version of myself. I hope this for you as you spend your own time reflecting and resetting after what is surely one of our time’s most life-altering experiences.

In conclusion: Let’s treat this pandemic as a wake-up call in finding a higher purpose and most importantly, peace and fulfillment in what we do daily. Above each, realisation can be an article by themselves. I may expand on them someday.

Articles

Why Is Curb Appeal Important?

You are considering selling your home and you are spending all your time making sure the interior of your property is up to scratch. Whilst it is great when the interior of the property is well maintained and refreshed you would want to do the same on the exterior. Did you know that having a good curb appeal can increase the interest of prospective buyers?

What we have done is created a list of the most common things you could do to give your exterior an uplift and create a better curb appeal.

Landscaping

When you think of landscaping people tend to automatically think of dollar signs but that isn’t the case. It could be as simple as leveling the front yard out applying new soil, laying some new turf, and add some cost-effective planting. Doing a simple task like that can improve the curb appeal as opposed to having a muddy front yard.

Drive Way

A driveway seems like an obvious one but if you have had your property for a long period of time it will sometimes show its age. It could be as simple as refreshing its paint and putting a new sealant on your driveway and it can also be quite cost-effective.

Trees

If your property has a few trees in your front garden that is overgrown and possibly blocking the property. It is as simple as trimming them down, making them maintained, and letting your property be viewed instead of hidden.

Lighting

Applying a feature to the front of your property and adding lighting can make a very positive impact on your curb appeal if it’s done correctly. At night time having that small feature with lighting added to your landscape can be a great impact. Having lighting on the front of your home is another idea and that can also be done cost-effectively.

Roof

No one wants to go to a property with weeds growing out the roofs and it looking worse for wear. Looking after your roof and keeping it in a good condition could potentially mean saving you having to replace the entire roof in the future but a good clean, maintained roof can impact your curb appeal.

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