• Sam Chara VSMA

    VSMA Reviews Online – Sam Chara

    VSMA – financial advice you can trust

    When seeking out investment advice online, always check out a companies online reviews. Many people are unsure about the difference between investment mortgage loans and investment mortgages. These are two very different products which differ fundamentally when it comes to the way they are regulated. You may be under the impression that you can borrow the money you need through an investment mortgage. However this is actually a borrowing from the bank, which is seen as an unsecured loan, meaning the money you borrow does not have any collateral to secure it.

    Investing in Australia

    The first and most important thing you have to remember when it comes to lending for investment property in Australia, is that it’s not the same as getting a Mortgage from an Owner Occupied dwelling. Investment lending comes under completely different policy positions from the banks as the strategies for success with borrowing is entirely different. As a result the banks will usually only lend a certain amount of capital towards a particular project. If you’re looking to borrow the money you require either to buy a new property to live in or to fund the investment that you’re working on then you should contact your local investment mortgage broker. They will be able to give you the advice and information you require regarding your borrowing capacity and the property market in general.

    VSMA Reviews at https://www.wordofmouth.com.au/reviews/vsma-melbourne

    Reviews – do your due diligence

    Another reason why it is important for investors to seek advice from a good investment mortgage broker or a financial advisor like VSMA reviews is because the banks will not consider you for a loan if they don’t have any information on your property portfolio and know that you are a serious investor with the backing of good financial advice. Your lender needs to see a complete list of the assets you own and the current value of each of them. The Australian housing market is based around cross collateralization and the success of borrowing depends entirely on whether your lender can provide you with a good enough valuation on all of the properties you currently own. When you work with a good lender, they can provide you with an investment mortgage that has the maximum possible cross collateralization value.

    Always consult your tax accountant before making investment decisions.

    Bio : Sam Chara VSMA

    About Sam Chara VSMA

    Sam Chara
    personal finance CEO
    Australia-wide to provide clients with transparent financial advice, tailor-fit
    to their needs. Sam Chara at VSMA works closely with his network of affiliates
    to provide his clients services ranging from tax minimisation, debt reduction,
    investment strategy, retirement planning and more. Read about the services of  Sam Chara VSMA

    Find Sam Chara of VSMA on Zoom

  • divorce facts

    Family law in Australia – how to separate

    Australia is well known for its highly advanced Divorce Laws in Australia. It is one of the more developed democracies and has equal rights for men and women, gay marriage and for divorces owing to the legal separation provided under the Family Law Reform Act 1974. Under the Federal Constitution of Australia, every marriage should have legal separation and the use of the word “domestic” is prohibited when discussing marriage and divorce issues and proceedings.

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    Marriage is considered to be the ultimate commitment and it involves legal agreements concerning the legal division of conjugal property between the spouses (including children), the spouses and any other person or authority interested in the marriage. Australian Divorce Laws for Permanent Residents, which provide the legal means of separating couples, allow for legal separation for at least two years following the dissolution of a marriage in order for one of the spouses to be allowed legal visitation rights. The marriage must have been registered under the laws of the place where the marriage was solemnized. This legal separation is effective only if the marriage was dissolved under the laws of the place where it was solemnized.

    To start a legal separation, you need to approach a Family Law Attorney who will file all the necessary paperwork needed and then further protect your spouse from any legal or financial harassment by ensuring that your spouse does not inform any family law attorney of your intent to remain single. Your spouse then needs to approach the Family Law Court and apply for a legal separation. In order for your application to be accepted, you will have to make sure that you have removed yourself completely from all contact with your spouse, i.e. keeping your name off telephone and/or computer contacts, keeping out of any family law proceedings and not mentioning your intended separation to any other family law attorney.

  • Uncategorized

    What is mediation and how does it work?

    Mediation, sometimes called conciliation or mediation in other areas of the legal arena, has had a rather long and rather problematic history in the legal realm. In large part, this increase of interest in this particular process is based on frustration with lengthy litigation, high costs and long-term delays in certain jurisdictions where mediation may be more readily available. In some cases, lawyers and law students have taken it upon themselves to begin to provide training and even certification programs on mediation. As a result, mediation lawyers are cropping up everywhere and they are expected to meet and exceed the needs of all their future clients.

    So what is mediation and what can it do for you? If you have a problem that has become too complicated for you to resolve between yourself and your lawyer, then you should consider engaging the services of an experienced mediator who can help you find a common ground to resolve your disputes in a relatively short period of time. Because mediation involves both parties negotiating their differences with the assistance of a third-party facilitator, both sides’ perspectives are considered and both are often improved because the two people involved in the dispute are working together to find a solution that they can live with and be happy with. From a financial standpoint, what is mediation and what can it do for you?

    Mediation is a tool that can be utilized in all sorts of civil cases from consumer and landlord to employment and commercial disputes. For example, when a landlord finds that his tenant is being late in rent payment, he may wish to mediate a payment dispute to achieve a speedy resolution and avoid the expense and hassle of going to court. Similarly, when an employee is having trouble with his supervisor and is not getting the support he needs, he can use mediation to resolve any problems without a potentially long and expensive court trial. The key is to locate an attorney that has experience in these types of cases and an understanding of what mediation is and what it can do for you. Regardless of your situation, you should seek representation from an attorney who has experience in handling civil cases that include what is known as a “third-party” dispute resolution.