The Centralian advocate Fri 19 Aug 2016
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Nationwide News Pty. Limited
32 REAL ESTATE FRIDAY AUGUST 19 2016 CAVE01Z01MA - V1 Moving can be a breeze if you are well organised and have instructed your removalist of your requirements. THERES no denying it, moving house is a pain. Firstly youll have to dedicate stacks of time and energy to packing boxes, then theres the hassle of trying to organise a removalist, and the final kicker of unpacking, arranging and rearranging. But there are some tips to make life easier and save you money, when it comes to working with removalists. Removalists typically charge on an hourly basis, with costs ranging from $50 to several hundred dollars an hour, depending on the service provider you choose. Theres usually a minimum callout fee of a couple of hours, and price obviously increases for interstate or more complex moves. Local travel is normally included in the price but there could be an additional charge if youre moving out of your direct area. Youre also likely to be looking at a surcharge if either property is difficult to access. Removalists will often charge more if forced to navigate flights of stairs or narrow laneways. Get a full appraisal of costs youre likely to incur and compare quotes to get the best deal. Local travel is normally included in the price but there could be an additional charge if youre moving out of your direct area. Once youve agreed on a price with your removalist, double check your terms and conditions before signing on the dotted line to ensure there are no hidden nasties. Also confirm your removalists insurance policy. Standard removal insurance covers any damage to your furniture or belongings while in transit, however, if you want to be insured for any mishaps that might occur while packing or unpacking youll have to take out all risks insurance. Some removalists only offer insurance on items theyve wrapped themselves but be warned there may be a packing fee per item. Moving is stressful, but knowing where to spend and where to save will help ease some of the burden. Moving on it can be hassle-free Health check your loan WHEN you think of a health check, you typically picture going to the doctor. But what about the health of your finances? Its time to ask some important questions about the health of your home loan and assess your situation. Do you know your home loans interest rate? You may be surprised to learn that more than eight in ten homeowners dont, and may be paying more than they need to. Suppose you have a $500,000, 30-year variable rate home loan at 4.55%. A reduction of 0.5% could save you $1752 in one year. Can you change your home loan according to your circumstances? If you have some flexibility in your monthly budget, consider a variable rate mortgage that gives you greater payment flexibility and access to money-saving features such an offset account, which can help reduce your interest costs. Have your financial circumstances changed since you applied for your loan? If so, why not consider reviewing your banking needs? Banks will often offer home loans, credit cards and transaction accounts that work together to provide you with an overall banking solution to suit your circumstances. Some lenders will also provide you with a dedicated Relationship Manager who can help you match the right products to your needs and guide you through the entire process, making it an easy and seamless transition. Be sure to check the options before choosing your new lender. When was the last time you talked to your bank? With interest rates at their lowest point in decades, nows a great time to renegotiate your rate. Because your home loans interest rate may not reflect the latest market movements, why not contact your bank or credit provider and ask for a lower rate? In some cases, you could be able to secure a better rate on your current loan. How does your home loan compare to current offers? A general rule of thumb is: if you can reduce your interest rate by 0.5% or more and youre planning on keeping your property for more than one year, its worth shopping around for a new loan. You can calculate the refinance break-even point with the closing costs (such as exit fees) and the amount you expect to save. For example, if the closing costs are $1000 and youll be saving $500 per year on the new loan, your breakeven point is $1000/$500 = 2 years. Spending just a short amount of time doing a financial check-up on your home loan could end up saving you thousands of dollars down the road. Open For Sale OPENPRICEADDRESS 2 23 31 1 Level 1 Anangu House 44 Bath Street Alice Springs Phone 8953 8120 www. goldenhome.com.au Licensed Agent AL559 The Alice... A Golden Home Town Now: $499,000 New: $479,000 33 Plowman Street, Gillen 15 Coolibah Cres, East Side Lots of living space Huge backya rd In ground pool Lock up garage Open Saturday 10:30am to 11:00am Call Eli Melky - 0427 012 699 Open By Appointment Call Eli Melky - 0427 012 699 33 Plowman Street, Gillen 23 Mulara Street, Braitling 68 Lackman Terrace, Braitling 16 / 6 Cycad place, Sadadeen 70/111 Bloomfield Street, Gillen 15 Coolibah Cres, East Side 35 Ptilotus Cres, Sadadeen 3 1 2 3 1 1 3 1 2 2 1 1 2 1 1 3 1 2 SOLD Sat 10:30am - 11am Open by appointment Open by appointment Open by appointment Open by appointment Open by appointment $499,000 $429,000 $449,000 $227,500 $265,000 $479,000 OP EN FO R SA LE Barry Allen was a smart man who always wanted to work as a security guard. He completed the necessary paperwork and provided it to the Director-General of Licensing. He also paid the relevant fee. However, Barry also had an obsession with scientific advancement and urban legend. A few months after obtaining his security licence, Barry was working on a scientific experiment which caused a freak storm. Consequently, he was struck by lightning. On hearing this tale, James Jesse, who works for the Director-General, went to see Barry. James informed Barry that his security licence was cancelled because of his behaviour and asked Barry to hand in his licence immediately. Barry was somewhat perplexed by this. Barry went to see a lawyer, as he thought the Director-General had to provide written notice if a persons security licence was to be cancelled or suspended. The Director-General has grounds to suspend a licence if a person is charged with a certain criminal offence. The Director-General would automatically cancel the licence if the person is found guilty. If the Director-General believes reasonable grounds exist to suspend or cancel a security licence, Barry should be provided with a notice stating the proposed action, the grounds for taking this action, the facts relied upon and invite Barry to provide a response within 28 days. After considering Barrys response, if the Director-General makes a decision to suspend or cancel then Barry must be provided with written notice setting the decision and the reasons for it. The notice must also detail any right the person has to apply for a review of the decision. No notice was ever provided to Barry. However, a decision to suspend or cancel a security licence can be reviewed by the Northern Territory Civil and Administrative Tribunal Act and Barry sought a review and his security licence was returned. Daniel Guerin THE LAW & YOU
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