A good timepiece is always a worthwhile investment. It’s a functional accessory that can last for more than one lifetime. Plus, there are so many stunning models that won’t break the bank. These days, watchmaking has progressed to a point that even affordable watches are quite good and built to last. At the end of the day, you need to ask yourself: Do you want a watch that is primarily a luxury item or simply a reliable accessory for keeping the time?
How Much Does Landscaping and Gardening Cost?
Tasteful landscaping and gardening are very effective in increasing the sale value of homes and property. According to a recent article on OpenAgent, an investment in colourful plants, as well as practical garden spaces, can add at least $15,000 to the value of a home. Real estate agents have long extolled the value of simple flowering plants, which quickly enhance a property’s sale value.
Professional landscaping, such as decks, garden spaces, patios, and sitting areas, with fireplaces and pools, exemplify, to potential buyers, a space ready for restful family activities. Real estate agents tell us that professional landscaping can add 6 to 7 per cent to the value of a home, whereas, if you neglect your garden, it can lower the value of your home from between 5 and 15 per cent.
Comfort Spending: How to beat the $1400 a year habit
By Rhianna Dews, Money Writer at Mozo
Despite all the benefits that come with the digital world we live in today, its fast pace has ultimately led to a rapid increase in stress and anxiety, with Beyond Blue data revealing that 1 in 7 Australians are currently experiencing an anxiety condition.
What makes matters worse is the way in which Aussies are coping with the pressure. Mozo’s 2019 Comfort Spending Report found that Aussies are spending $1,430 each year on average in attempts to dilute stress, boredom and anxiety. This works out to a massive total of $25.5 billion each year!
Price of the Great Australian Dream
Price of the Great Australian Dream – An infographic by the team at vouchercloud
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Newsflash: Real News is Back
Old habits die hard, with the financial bottom line dictating terms. Tabloid style journalism won the day and front page news is now often a melting pot of frivolous escapism and stories with no quality or depth. But many of us still appreciate real news and the ability to access it without first wading through a pile of trash. What to do?
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What Credit Score Is Needed to Buy a House or Car
For most of us, purchasing a house and a car are two major situations where borrowing money is essential. They are significant financial outlays that require dedicated effort to pay off over a long period of time. Banks and other lending institutions rely on our credit score for approval of loans, so what credit score is needed to buy a house or car?
Defaults and overdue accounts
Positive and negative credit history
Arrears in credit
Account activity related to credit cards, phone accounts and personal loans
Employment and residence stability
Credit scores are the safeguard banks use to protect themselves against the possibility of loan defaults. They are based on a range of data related to the borrowers previous financial accountability and present financial status. Whether we like it or not, our credit score is a personalised risk assessment, and involves disclosure of both good and bad financial dealings. The positive and negative are taken into consideration for our individual credit score.
Banks are in competition with each other in obtaining custom, therefore their credit scoring system for loan approvals is secretive. Generally, the only people privy to the bank’s system are those working within their own risk division. For this reason, a home or car loan application that has been refused by one bank may be accepted by another bank.
Credit score components include: