Craig Holme

Zumba Kids and Zumba Kids Jr in Peterborough

Checkout the wonderful Cafe Palazzo North Adelaide

Cover Photos

Why are so many First Home Buyers
experiencing Mortgage Stress ?
The two factors of high entry level Property prices,
and employment instability have created enormous
levels of #MortgageStress for young couples who are
#FirstHomeBuyers .
One of the main problems this is causing
is that if one partner wants to reduce their workload
to Part Time to raise a family ,
the cost of paying the Mortgage becomes
incredibly demanding on the Household Budget.

We discuss the Solution for this and other issues
facing #FirstHomeBuyers in a
#Free Information Webinar .

Would you like to receive the
#FirstHomeBuyer Webinar Link ?
Phone 08 7001 1627 or 0423 585 932 .
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#Adelaide
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#Melbourne
#Sydney
#Perth
#Brisbane
#GoldCoast
#SunshineCoast
#Auckland
#Geelong
#VictorHarbor

Why are 20% of First Home Buyers failing ? 2
The major cause of difficulty for First Home Buyers is obviously Mortgage Stress .
But why are we seeing so much #MortgageStress amongst First Home Buyers today ?
First Home Buyers from the past have not had to deal with very high #Property prices in #Sydney and #Melbourne ,
and at the same time
trying to cope with a volatile employment Market .

Talk to your Accountant about creating a #Budget
for your needs which includes dealing
with the challenges of setbacks in #employment
should they arise.

Would you like to receive the Link for our #Free
Webinar for First Home Buyers ?
Phone 08 7001 1627 or 0423 585 932 ,
ask for Craig Holme .
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#FHB
#FirstHomeBuyer

Why are 20% of First Home Buyers failing ?
According to a recent Survey up to 20% of First Home Buyers are currently in trouble.
But the pain that these First Home Buyers would be going through
can be avoided.
Firstly ,
we need to ask why this % of FHB's in difficulty is so high ?
There are a number of reasons that we are going to discuss in a series of discussions . To answer Why we need to simply look at the high cost of Housing in #Sydney and #Melbourne .
First Home Buyers in these cities are being forced to pay
some of the highest prices in the world for property.
To avoid being a statistic if you are a First Home Buyer,
consult with your #Accountant to create a Budget for you
which takes into consideration factors
which may cause problems if they arise .

There is no point creating a #Budget that does not include
the possibility of change.

Would you like to receive the #Webinar link for our Free Information Discussion for First Home Buyers ?
Phone 08 7001 1627 or 0423 585 932 .
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#FirstHomeBuyers

Are you a First Home Buyer ? 3
In your negotiations to buy your first Home it is important to have someone on your side.
What you are wanting to achieve is a Fair Current Market Value price .
But the House you are looking at may be overpriced in the Housing Market .
In order to avoid future Mortgage Stress you must ensure that you are not buying an overpriced Property.

Your Mortgage Broker should be able to assist you to obtain the best price by helping with your negotiations.

#MortgageStress
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What do you think ?

Are you a First Home Buyer ?
According to the below Article up to 20% of First Home Buyers are currently experiencing Mortgage Stress .
It is essential that you do not pay an inflated Price for your first Home in order to avoid Mortgage Stress . An inflated Price is one which is above the current Market Value of the Home .
Your Mortgage Broker and Accountant should assist you to obtain the latest information from RPData to accurately see what Price comparable Houses have sold for in that area.
In this way the knowledge of House Prices can be obtained to avoid paying Inflated Prices.

Check RPData before you purchase your First Home,
and consult your Accountant to create a Budget for you to avoid Mortgage Stress .

Would you like to avoid Mortgage Stress ?
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#MortgageStress

http://www.news.com.au/realestate/news/voters-want-federal-government-response-to-housing-affordability/story-fndba8zb-1226679313622

Voters want federal government response to housing affordability
www.news.com.au
HOUSING affordability is a burning issue for Australian voters – more important than border security, broadband and even education.

Are you a first Home Buyer ?
According to a recent Article in the The Advertiser up to 20% of First Home Buyers are now experiencing Mortgage Stress .

To avoid Mortgage Stress it is essential that you do not pay too much for your first Home .
It is currently a Buyers Market so this means that there are many bargain priced properties for sale .

Would you like to buy your first Home at the best possible price ?
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Thank you Wave Tribe

Timeline Photos
Green sea turtle eating a jellyfish, such an awesome shot!

Why are we blaming Holden ?
The major problem that Holden faces is that it is not competing in a level playing field .
The Car Game is very much stacked in favour of overseas
Car manufacturers.
Can you imagine a situation where a football club had to compete against other teams who were playing by different rules .
Our Cub A has a salary cap but the competitors don't . Our Club A cannot use performance enhancing drugs , but our competitors can. Our Club A has to pay for everything , but our competitors get everything for free .
If this scenario were to happen everyone would be up in arms ,
and would rigorously defend Club A .

We have the same situation with Holden .
Holden cannot compete with overseas Car manufacturers who protect their Car industries .
Why is Australia the only country in the world that does not want to protect its own Car Manufacturers ?
What do you think ?

#SaveHolden

Are James Hird and the Bombers becoming the scapegoats of the AFL ?

What is the point in blaming one AFL Club for what is obviously a widespread problem ?

What do you think ? Have your say .

Drugs saga taking its toll on Bombers, Hird admits
www.theage.com.au
Essendon coach James Hird has finally conceded the drugs saga has taken a toll on his players after a listless, mistake-riddled performance resulted in a 53-point loss to West Coast on Sunday, a third defeat in a row that dropped the Bombers to seventh on the ladder behind Collingwood and Richmond.

Flinders Accountants have a special Tax Offer of $59* -

Be quick as this is a limited Special Offer –

*Conditions Apply .

#TaxTime

Flinders Accountants
We specialise in quality accounting advice at affordable prices. Tax Returns , Accounting Services , Bookkeeping, Business Consulting, Business Sales.

Thank you South Australian Whale Centre

Timeline Photos
YESTERDAY IT WAS OFFICIAL! The Northern Territory has its container deposit recycling scheme back and Coca-Cola Australia and Schweppes as big and powerful as they thought they were, weren't and aren't a match for the people of Australia and they failed to make environmental law suit their profit agenda! The health of our oceans and our marine life is important to us. Our communities are important to us.

http://www.abc.net.au/news/2013-08-07/nt-container-deposit-schme-back-on-track-federal-law-exemption/4870244

Would you like to buy Property at bargain prices ?

With the current Economic uncertainty and the possibility of an Interest Rate cut this afternoon, there has never been a better time to find Property bargains .
The Mortgage Brokers at Peoples Finance will assist you with the negotiating process to obtain the best price .

Phone Juan Pablo on 08 7001 1627 or 0423 585 932 .

#AreYouPayingTooMuchForProperty
#PeoplesFinance

Sunset at Parsons Beach
Near Victor Harbor
In #SouthAustralia

#unwindholidays
http://www.unwindholidays.com.au/

Checkout this amazing Page !

Recommended by Craig Holme Consulting

Ecoboxx Australia
Ecoboxx is a world leader in the design and innovation of portable solar power systems that meet the rigorous demands of the Australian environment. Providing eco-friendly power solutions ecoboxx combine portability, power and ease of use in all of their product range.

Awesome !! Ecoboxx Australia

Untitled Album
Ecoboxx Student Kit released in Africa to provide safe lighting & power.At present more than 70% of sub-Saharan Africa has no access to electricity. Presently fuels such as kerosene which are used to provide lighting causes 1 million deaths a year in Africa.
Ecoboxx in Africa

Thank you Ecoboxx Australia

Ecoboxx factory rooftop garden solar powered.
A 3kW solar system on the administration building & a 25kW solar system on the manufacturing building together supply all the vegetables to the factory kitchen feeding 500 staff.

The wonderful Port Elliot Coastline ?

The Whales are out in numbers all along the South Coast, including a spectacular White Whale reminiscent of Moby Dick .

Would you like to relax and unwind and see the Whales ?
http://www.unwindholidays.com.au/
#unwindholidays

Constable Terry , Trish and Peter at
#VictorHarborArtHaus
http://www.facebook.com/VictorHarborArtHaus

What do you like about Victor Harbor ?

#UnwindHolidays
http://www.unwindholidays.com.au/

Victor Harbor Accommodation Holiday Luxury Encounter Bay Apartments Fleurieu Penisula
www.unwindholidays.com.au
Victor Harbor Accommodation holiday apartments, holiday house, penthouse – Unwind Holidays luxury accommodation Fleurieu Peninsula Victor Harbor Encounter Bay