therealdavidchoi.com SYDNEY's No.1 New Vehicle Sales & Finance Specialist - David Choi - Welcome to www.TheRealDavidChoi...

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Title: SYDNEY's No.1 New Vehicle Sales & Finance Specialist - David Choi - Welcome to www.TheRealDavidChoi...
Description: SYDNEY's No.1 New Vehicle Sales & Finance Specialist - David Choi - Welcome to www.TheRealDavidChoi.com - Sydney's No.1 New Vehicle Master & Finance Specialist HOME CLIENTS CONTACT KOREAN ??? ???? - A
Keywords: Car Loans, Home Loans, Business Loans, Commercial Loans, Investment Loans, Refinance Loans, Car Buying Services, Private Fleet Services, Business Consultation, Loan Application, ??? ????, vehicle enq...
therealdavidchoi.com is ranked 2 in the world (amongst the 30 million domains). A low-numbered rank means that this website gets lots of visitors. This site is relatively popular among users in the united states. It gets 60% of its traffic from the united states .This site is estimated to be worth $1,388. This site has a low Pagerank(0/10). It has 1 backlinks. therealdavidchoi.com has 43% seo score.
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Website / Domain: therealdavidchoi.com
Website IP Address: 199.34.228.50
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therealdavidchoi.com Rank

Alexa Rank: 8685273
Html Domain Rank: 2/10
Google Page Rank: 0/10 (Google Pagerank Has Been Closed)

therealdavidchoi.com Traffic & Earnings

Purchase/Sale Value: $1,388
Daily Revenue: $3
Monthly Revenue $114
Yearly Revenue: $1,388
Daily Unique Visitors 350
Monthly Unique Visitors: 10,500
Yearly Unique Visitors: 127,750

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StatusCode 200
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Date Sun, 18 Feb 2018 16:11:57 GMT

therealdavidchoi.com Keywords accounting

Keyword Count Percentage
Car Loans 0 0.00%
Home Loans 3 0.43%
Business Loans 0 0.00%
Commercial Loans 0 0.00%
Investment Loans 0 0.00%
Refinance Loans 0 0.00%
Car Buying Services 0 0.00%
Private Fleet Services 0 0.00%
Business Consultation 0 0.00%
Loan Application 0 0.00%
??? ???? 1 0.11%
vehicle enq... 0 0.00%

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SYDNEY's No.1 New Vehicle Sales & Finance Specialist - David Choi - Welcome to www.TheRealDavidChoi.com - Sydney's No.1 New Vehicle Master & Finance Specialist HOME CLIENTS CONTACT KOREAN ??? ???? - Apply for Car Finance Today Invest in your mortgage to keep ahead 2/15/2015 0 Comments DEBRA CLEVELAND If you're wondering where to invest some money and you've got a mortgage, there's no better place to put your spare cash. Not only is the strategy risk-free (in that you won't lose your money), say advisers, but it will leave you better off. Let's say you have a spare $10,000 and your choices are putting it into your home loan or a deposit account. Financial planner David Simon, partner at Westpac Private Bank, explains the difference between saving interest and receiving interest as saving yourself an expense (interest on your mortgage) versus generating a return (interest from the deposit account). "If you invest it in a bank account it will give you about 3.5 per cent, while putting it in your home loan will save you about 5 per cent," says Simon. "If it's in your mortgage it will save you the equivalent of $500 in interest (5 per cent of $10,000) every year. In the bank account you'll earn only $350 a year (3.5 per cent of $10,000)." Now that's before tax. For someone earning $150,000 a year and paying 38.5 per cent tax (including the Medicare levy), tax would be payable on the bank interest of almost $135. "So the net return is only $215," says Simon. "Saving interest on the home loan, on the other hand, has no tax implication. So you'd get the $500 benefit which is effectively untaxed because it's reducing your expenses – leaving you better off by almost $285 a year." Even as the mortgage rate drops, this strategy delivers a "fantastic" outcome, says Simon. "Investing money in the mortgage or a bank account both have the same characteristics– no risk. But if you wanted to invest in a bank account to get the equivalent return as investing in the mortgage, you'd need to get a grossed up return of 7.5 per cent." While most borrowers will be celebrating lower repayments on their home loans thanks to historically low interest rates, this is the time to really hammer down your mortgage. Making extra –not lower –repayments can make a significant dent in what's likely to be the biggest loan of your life. Another financial planner, Suzanne Haddan of BFG Financial Service, is worried about young borrowers taking on too much debt without taking into account the impact of higher rates, which will eventually come. DANGEROUS CYCLE Older borrowers can remember rates at 18 per cent while those just starting out often think of low rates as the norm. "This cycle is very dangerous, particularly for first home buyers," says Haddan. Rather than focusing on current interest rates, she suggests new borrowers work out whether they can afford repayments at 6 per cent. Chief of debt collection agency Prushka Fast Debt Recovery Roger Mendelson, puts the long-term average at more like 8 per cent. But let's go back to Haddan's suggestion. Let's take a couple whose combined after-tax monthly income is $10,000 and who have a $900,000 mortgage at 5.35 per cent, the average variable rate says Michelle Hutchison of research house finder.com.au. Right now their payments (on a 30-year loan) are about 5,026 –half their income. If their lender matches the Reserve Bank of Australia's 0.25 percentage point cut but they stick with the old repayments, says Hutchison, they could save $62,534 and reduce the 30-year loan term by almost two years (22 months). Even better for powering down their mortgage (but harder on day-to-day household finances) would be making higher repayments as if the interest rate was 6 per cent. This would cost them $5396 a month. But it would cut five years and eight months off their loan and save them $189,027 in interest, says Hutchison. Now for what can be an old chestnut –the thought that you're making a dramatic difference to your mortgage thanks to your offset account. Many households direct all their income to their mortgage offset account, but slowly drain it thanks to it being used as a transaction account for everyday expenses. Using the same couple with the $900,000 mortgage, if their $10,000 monthly income goes into the offset account but is withdrawn each month – generally leaving only, say, $5000 in the account –they'd cut only three months off the 30-year loan and save $17,835 in interest. "The most effective way to reduce the cost and term of your home loan is by adding as much as you can to your mortgage repayments," says Hutchison. "Whether that's by using an offset account or increasing your repayments, if you can build on your savings in your home loan account you will be potentially thousands of dollars better off. "The trick with offset accounts is to build up the balance each month but our research shows that you can still save significantly off the interest charges on your loan and even reduce the term if you keep a smaller amount stagnant in the account. The most important thing to remember is to keep track of your home loan interest rate. Don't get comfortable with a rate cut this month because there's a huge difference between what lenders are offering. Renegotiate with your existing lender or switch to a better value deal and then accelerate your repayments and you will save even more." The Australian Financial Review Come & Talk to David Choi today from PS Financials Pty Ltd on 0450793070 ! 0 Comments David’s Friend’s Special on all Home Loans – It’s time for you to Switch & Save!! 12/17/2014 0 Comments David’s Friend’s Special on all Home Loans – It’s time for you to Switch & Save!! Q1. Have you had the home loan for over 2 years with your current lender? Q2. Is your home loan interest rate over 4.95%? Q3. Is your home loan set as principal & interest repayment? If you qualify (‘yes’) for any of the above, then you should read on: A1. Yes, you can get a free valuation done on your property. A2. Yes, you can refinance with same lender (only Westpac & ANZ) - REDUCE the interest rate and start SAVING money! It won’t cost you any money for Westpac & ANZ customers. A3. Yes, you can refinance with any lender (I recommend Big 4 Banks) – REDUCE the interest rate and start SAVING money! In general, it’s under 4.95% and can be lowered by further negotiation with the lenders. A4. I will show you how to start investing in properties using your existing property. A5. Yes, you can switch to interest only product! Switch today and start saving! Name * First Last Mobile * Email * Comment * Submit 0 Comments home loan promotion - lvr 90% with no lmi with ing direct 12/2/2014 0 Comments $1 MLI PROMOTION - Potentially Saving Your MONEY!!! As part of ING's ongoing commitment to help their customers get ahead, ING is offering a promotion under Orange Advantage. Effective from Wednesday 26th November 2014 and until further notice, ING Direct will offer Lenders Mortgage Insuran...

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