Craig Holme

Friday, August 3, 2012

How to avoid Negative Equity - 10

How to avoid Negative Equity - 10

What are the predictions for the Spring Quarter ?

There is a lot of apprehension in the Property Markets
in Adelaide , Melbourne and Brisbane,
as to how the Property Market will fare during the Spring Quarter.

Our concern is particularly for the Melbourne Market.

In Domain , July 31st 2012 , an article entitled ,
' Predictions for the Spring Market ',
continues ' But what exactly can they expect from the traditional selling season ?
Will it be all doom and gloom, or are things looking up ?

Andrew Wilson , the Senior Economist at Australian Property Moinitors,
gives his insights on what is happening in Australia's capital city markets .

Melbourne -
But the jury is still out on how the Melbourne market will do over the remainder of the year .
..Wilson is expecting the Melbourne market to remain subdued.'

Therefore it is extremely important for Melbourne householders with
an LVR ( Loan to Value Ratio ) of 80% or more,
to create an effective strategy to beat the Negative Equity trap.

If you would like assistance in creating this strategy,
contact Craig Holme on 0423 585 932 ,
Gmail - alphasocialmedia@gmail.com .

http://www.facebook.com/craigholme101

Thursday, August 2, 2012

Why are female Artists discriminated against ? - 1

Why are female Artists discriminated against ? - 1

This week we have seen the blatant discrimination against a major female Artist ,
Sharon Davson , in the Australian media .

Sharon Davson from Newcastle , Australia has recently set a new Australian record for the sale of art by a living Australian Artist of $5.2million .
What is infuriating is the reaction from some Art critics.

Let us first look at the recent history of discrimination against female Artists .
It is best summed up by the statement of Art Critic Brian Sewell
who was quoted in ' Women and Hollywood '
in an article entitled " Prejudice and Descrimination against women artists ".
He is reported to have said ,
'The art market is not sexist ...
The likes of Bridget Riley and Louise Bourgeois are of the second and third rank.
There has never been a first-rank woman artist..
Only men are capable of aesthetic greatness.
Women make up 50% or more of classes at art school.
Yet they fade away in their late 20's or 30's ,
maybe it's something to do with bearing children.'

The reactionary statements against Sharon Davson have the same type
of discriminatory tone.

In the next Part of this Series we will look closer at the opposition
Sharon Davson is facing in Australia

What do you think ?

http://www.facebook.com/arthausglobal .

Contact Craig Holme 0423 585 932 .
Gmail - arthausglobal@gmail.com .

How to avoid Negative Equity - 9

How to avoid Negative Equity - 9 .

Our major concern is Home owners with valuations of $700k or more ,
especially in Adelaide , Melbourne and Brisbane,
including the whole of South East Queensland.

Some Property commentators are predicting that the top end of House Values
will be the hardest hit by the Negative Equity trap,
as Property Prices drop 10-20% over the next 12-24 months .

An article in The Australian Financial Review, Thursday 2 August 2012,
entitled, ' Capital house prices improve ',
states, " While the housing markets in Sydney and Perth are showing relative strength,
commentators said Melbourne and Brisbane were still weak
and prices were likely to slide further."

If you have a house in Melbourne or Brisbane valued at $700k or more,
and you LVR ( Loan to Value Ratio ) is 80% or more,
eg your Home Loan is $560k or more,
then it is time to get serious about beating the Negative Equity trap.

If you find your House falling into Negative Equity,
or feel that it may do so,
do not stop your repayment program.
It is best to contact your Bank or financial institution immediately
with a plan of action to beat Negative Equity,
you may choose to do some extra repayments .

Ask your Accountant or Finance Consultant to assist you with this process,
as you need their expertise to prevent the Bank repossessing your home.

What is your view on,
1- Property Market dropping 10-20% over the next 12-24 months.
2- Negative Equity being a taboo subject.
3 - Households being educated to deal with Negative Equity.

Contact Craig Holme on 0423 585 932, or 08 8218 4888.
Gmail - alphasocialmedia@gmail.com .

http://www.facebook.com/craigholme101 .

http://www.facebook.com/jeremyreynoldsABC .

Copyright - Craig Holme - Alpha Training - 2012 .

Wednesday, August 1, 2012

Is your Accountant a Commentator or a Coach ? - 1

Is your Accountant a Commentator or a Coach ?
By Commentator I am referring to the type of role of a Sports Commentator ,
who is seated in an Air Conditioned Box
in the spectator section keeping tabs on the progress of the game .
But the commentator is not actually in the game ,
so whether the home team wins or loses is of no real consequence .
What matters to the commentator is the statistics , and keeping an accurate record .

However , the Coach is down in the Game with the Players ,
and whether the Home Team wins or loses means everything .
The Coach has his career on the line based on the success of the Home Team following his/her instructions and beating the competition .

In the next Parts of this Series we will explain why your Accountant
needs to be a Coach and not a Commentator.

Contact Craig Holme on 0423 585 932 or 08 8218 4888 .
Gmail - alphasocialmedia@gmail.com .

http://www.facebook.com/craigholme101 .