kris, Author at KDM Financial and Estate Planning

Deciding where to go for your home loan is one of the most important decisions you’ll make. While many prospective property owners will choose to use a mainstream lender, non-bank lenders also have their advantages.   WHAT ARE NON-BANK LENDERS? Essentially, a non-bank lender is a ... Read more

There are a variety of commercial loans available to businesses. These include short and long-term loans, unsecured or secured against real estate property, equipment or other assets. Loans can also be tailored according to the type of customer, for example small and medium enterprises (SME) or ... Read more

In my previous experience working as an accountant I have met many passionate, energetic and charismatic business owners and entrepreneurs, who had a strong ability to generate sales, lead people and generate business opportunities.  Then why did some of their businesses struggle ... Read more

THE FIRST STEP IN SUCCESSFUL PROPERTY INVESTMENT IS UNDERSTANDING YOUR FINANCIAL POSITION AND BORROWING CAPACITY Investors need to have a clear understanding of what their goals are before investing in the property market if they are to maximise their chances of success. This will include ... Read more

The most common forms of debt securities are government and corporate bonds, as well as certificates of deposit issued by banks. A debenture is another term you may have heard. This is a corporate bond that is secured by property. Like equity securities, debt securities can be bought and sold. ... Read more

The line has been drawn, the camps are divided and the novice investor is caught in middle. The use of companies and trusts as a vehicle for wealth accumulation is an area of great controversy. If you are trying to draw your own conclusion, foraging through the battlefield of polar opinions can ... Read more

It is difficult to decide what goals you should aim to achieve if you are unsure of what you want in life. If this sounds like you than perhaps the psychologist Abraham Maslow can help. Maslow studied a number of exceptional people and documented what they strived for and what it is that motivated ... Read more

Many of the financial ‘gurus’ out there who try and lure you into subscribing to their dogma and purchasing their financial ‘aides’ will tell you that you can start investing today, without any savings. They often promote the notion of making money using other people’s money (OPM). They are half ... Read more

Superannuation When I speak to my clients, the No. 1 reason for why they hadn’t started investing sooner is their faith that superannuation will provide for them during retirement. let it suffice to say that superannuation is designed to meet the basic level of human needs. The Labor government ... Read more

A relatively new investment vehicle that is gaining popularity in Australia is the self-managed super fund (SMSF). SMSFs are an exciting and credible avenue for investment that you can explore further. Below is a brief introduction to SMSFs. First and foremost, SMSFs are not exclusively for the ... Read more