• marketing

    VSMA Reviews – Sam Chara

    VSMA Reviews : Company

    Sam Chara at VSMA are a market-leader in personal finance, an agency working around Australia to providing clients with transparent financial advice, tailor-fitted to meet their needs. They work together with their network of partners to providing their clients with services including tax minimization, mortgage brokering, debt reduction, investment strategy, retirement planning, and much more.

    VSMA Reviews: Testimonials

    Sam Chara at VSMA provided us with a high quality, professional service. We had talked for years about buying an investment property but had yet to take the steps to make it happen. The VMSA team provided a clear and transparent plan of how we could make this happen. Hannah Maybank 22 Sept 2020

    If you’re thinking about setting yourself up for the future, these guys are a great place to start! They helped us secure our first investment property and we were very happy with the outcome! Their suite of services cover everything you can think of and they are there with you every step of the way 🙂 Briony Glidden 15 Oct 2020

    With the help of the amazing, friendly and responsive VSMA team (and their network of experts), we now understand the importance of minimising our tax, making the right property investment decisions, have set up an SMSF and started budgeting. I’ll happily recommend VSMA and tell anybody I know, what we have achieved with them in our corner the past 15 months. I encourage you to meet with them so they can assess your situation and tailor a strategy for you – it was really eye opening to see it all mapped out. No matter what I guarantee you will come away from your first meeting with a better understanding and more knowledge of where you need to be to reach your financial goals (in our case retire early! #financialfreedom). Thank you VSMA team. Lauren Wilde 3 Oct 2020

    More reviews at https://www.bark.com/en/au/company/vsma-group-pty-ltd/PREkn/

    VSMA Profile

    VSMA provide Financial services such as mortgage broking. Whereas many mortgagees and investors simply do not have the time to keep up to date with ever-changing loan markets. Interest rates and lending criteria are constantly changing across banks and other financial institutions. From refinancing to debt and mortgage reduction, VSMA has you covered on all fronts.

    VSMA Experience

    Financial Planning

    We often talk about there never being no ‘one size fits all’ approach. This is especially true for financial planning, which requires a strategy that takes the full picture into account. We’ll work together to help you achieve your financial goals.

    Money Management

    50% of Australians live paycheck to paycheck. Mortgages, rent, groceries, petrol, car payment, medical bills, credit cards, utilities, school fees — these are only a handful of liabilities you need to stay on top of in order to make ends meet. Factor in sudden life changes and economic downturns beyond our control, it’s no surprise that financial stress gets the better of most of us.

    VSMA Registration

    ABN 22 634 539 754 see Registration at ASIC ABN Lookup

    Entity name:VSMA FINANCE PTY LTD
    ABN status:Active from 02 Jul 2019
    Entity type:Australian Private Company
    Goods & Services Tax (GST):Registered from 02 Jul 2019
    Main business location:VIC 3004

    Have you ever wondered what makes a good VSMA product review? Product reviews are important because they give the buyer a chance to weigh the pros and cons of a product before making a purchasing decision. Research has demonstrated that most products with over 50 reviews have a dramatic 4.6% better conversion rate than those without any reviews or ratings at all. In fact, surveys show that most consumers are much more likely to purchase a product from a website that features product reviews than from one that does not. Therefore, the benefits of having lots of product reviews can be quite substantial for a business trying to increase their overall sales.

    Article – VSMA Reviews

    VSMA Reviews

    However, just because consumers find a product to be good, it doesn’t mean that they will like it. To ensure that consumers actually do like the VSMA services and products that they are reviewing, an online reviews company needs to take many factors into consideration when deciding what to include in their reviews. A good reviewer does not only consider advantages and disadvantages, but also how the product is used and what the cost will be if the consumer decides to purchase it. For this reason, a number of reviews online companies have started to include questions on their product reviews so that buyers can more easily determine whether they want to purchase a certain item or not.

    A recent study found that most VSMA consumers do not want to read reviews that have more than three stars. The majority of customers found that looking at advantages and disadvantages was more important than reading a long review. However, the majority of customers still look at reviews at all. Therefore, a good product reviews website needs to take advantage of both the advantages and disadvantages of the products that they are reviewing in order to give the most helpful reviews possible. A good VSMA review will not only tell consumers what they can expect from the product, but will also give them a number of suggestions as to how they can use it and what they can do to maintain the product’s quality once it is purchased.

    Writing a VSMA Review – visit: coming soon.

    Sam Chara VSMA

    Author Bio : Sam Chara VSMA

    About Sam Chara VSMA

    Sam Chara
    is an experienced 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. See more on Sam Chara VSMA

  • Uncategorized

    Aircon Repairs – all you need to know to get you through summer

    Causes of Aircon Failures and How to Avoid Them

    If you’ve been in the market for a new split system air conditioning set up, it can be frustrating to discover that your unit has failed. While it is essential to have regular maintenance performed on your air conditioner, it’s also important to keep an eye out for the common problems that may eventually lead to unneccesary aircon repairs, so that you can avoid them before they turn into trouble. In this article, we’ll discuss the causes of aircon failures, how much they cost, and how to avoid them. Once you’ve figured out what’s wrong with your system, you can contact an air conditioning repair technician to help you with your repair needs.

    Maintenance prevents premature breakdowns

    Inadequate maintenance of air conditioners can lead to costly repairs, unnecessary downtime, and premature breakdowns. Regular cleanings and inspections of air conditioning systems can increase their efficiency and save you money on energy bills. Cleaning can also improve the quality of indoor air in your home. Most breakdowns of central air systems are related to inadequate maintenance. To ensure that your split system or evap AC is running at peak efficiency, schedule maintenance at least once a year.

    Regular maintenance of air conditioners includes checking for dirt and debris around the condenser unit. Clean the condenser coil and cut back foliage about two feet to allow for adequate airflow around the unit. If problems persist, call a professional service technician for air conditioner maintenance. Check for proper functioning of the thermostat and condensate drain line. The AC motor needs to be properly lubricated to reduce friction.

    Performing annual maintenance of air conditioners will improve efficiency and prevent premature breakdowns. In addition to saving you money on your utility bill, an annual tune-up can save your air conditioner up to 45 percent. An optimally functioning air conditioner can last up to 20 years. It’s important to visit an HVAC contractor every year for maintenance to ensure its optimal performance. Maintenance visits are often discounted, and many HVAC contractors offer discounts if you opt to have your air conditioner serviced regularly.

    A refrigerant leak can lead to an AC breakdown. If the leak is not detected and repaired quickly, indoor temperatures and humidity will rise. The AC repair technician will test for leaks and fix them. This preventive maintenance is also essential for avoiding expensive repairs down the road. In Ohio, you can find a reliable AC service company to repair your broken air conditioners. The professionals at Logan Services have the tools and expertise to provide you with reliable air conditioning service.

    Another thing that can lead to an air conditioning system breakdown is improper leveling. A level and a shim can help level the air conditioner and avoid costly repairs. The evaporator coil is made of copper piping. This means that if the air conditioner isn’t level, it can cause refrigerant leaks. Keeping the air conditioner level will ensure that it runs smoothly and efficiently.

    An annual AC maintenance will not only prevent major repairs, but will also keep it running smoothly throughout the summer. With proper maintenance, air conditioners can last a decade or more without major component replacement. Regular maintenance will ensure that your AC will run as smoothly as it should, avoiding costly emergency repairs. When the season is long, you’ll be thankful you have regular maintenance. The cost of repairs is often offset by the savings you’ll have.

    Cost of repairs

    There are several causes of a whirring noise coming from your air conditioner, including a dirty condenser coil, a noisy outdoor fan, and refrigerant leaks. These may be the result of a loose screw or a broken part, while high-pitched whistling could be the result of a damaged compressor. High-pitched whistling is an alarming sign of a faulty part. Air conditioning repairs will be expensive, but a faulty compressor can cause serious health risks and environmental impacts. Be sure only to use a government licensed technician for repairs in Australia so as not to void any guarantees etc.

    Frequency of aircon servicing varies depending on your usage and age of the unit. However, once a year is not recommended because problems with air conditioning systems can get worse over time. Ultimately, this could lead to replacement of the aircon. As much as possible, have your air conditioner serviced on a regular basis. If you notice any signs of wear and tear or other malfunctions, it is time to contact an air conditioning specialist.

    Common problems with air conditioners

    Regardless of the brand of air conditioner, you have probably encountered common problems with your AC. Some common problems include excess water leakage, a dirty air filter, and an iced evaporator coil. The float switch also may not work properly. A dirty or clogged drain line can prevent the proper temperature difference. If you can’t locate the problem, call a professional. This article will give you tips to prevent common problems with your air conditioner.

    Firstly, check if the power source is a good fit for the unit. Some air conditioners use different power requirements. If yours is not the right one, consult an AC expert. Check for blown fuses and circuit breakers. If the problem persists, replace the evaporator coil and condenser unit. Another common problem is a tripped fuse. Finally, check for obstructions in the air filters or condenser unit.

    Several common problems with air conditioners may be simple to diagnose and fix, but it’s still best to contact a qualified technician if you can’t do the repair yourself. Common AC problems include tripped circuit breakers, a clogged drain, or the blower belt, among other things. In some cases, you might even be able to troubleshoot the unit yourself. You can also learn how to properly diagnose and repair an AC problem yourself.

    If your air conditioner is not getting the cold air it needs, it may be due to clogged filters. Dirty filters can cause the system to overheat. Clogged filters also cause an uncomfortable odor. Changing the air filter or cleaning the air ducts can resolve these common problems. Remember, most common problems with air conditioners stem from improper installation, servicing, or maintenance. So, take care of these problems immediately.

    One of the most common problems with air conditioners is that they don’t engage. Checking the thermostat’s batteries is a good start. Replace them if necessary. Also, check the thermostat settings. If it’s on, it means the air conditioner is in cooling mode and the desired temperature settings have been set. Otherwise, it’s possible that the circuit breaker has tripped, and resetting it is the best solution.

    Another common problem with air conditioning units is dirty air filters. Dirty air filters can restrict the airflow and cause the unit to seize. Clean and replace the filters regularly to avoid costly repairs. Another common problem is leakage of the coolant. Coolant absorbs heat from the air, so if you notice low levels, your air conditioner is probably losing coolant. A leak could cause the unit to freeze and you could get a respiratory infection.

    Another common problem with air conditioners is that they make noise. If your AC is making a loud noise while running, it’s likely something is wrong with it. Causes vary, and they can range from contamination of components to debris getting into the ducts. Cleaning the system and checking for loose parts may solve the problem. If the noise is accompanied by a louder sound, it’s time to call a professional for repair.

  • southern highlands covid retreats

    Getaways in NSW Southern Highlands – the perfect Covid travel break

    Are you looking for somewhere to go without travelling interstate or internationally? Why not try the beautiful Southern Highlands in NSW?

    When you are looking at accommodation options for a holiday break in New South Wales you will be spoiled for choice with so many holiday homes available for rent or sale in this beautiful part of Australia. In terms of the different types of holiday home accommodation options available on the Island of Sydney there are the very popular caravan park, holiday apartments, self-catering holiday homes and holiday houses in the Southern Highlands. Many visitors to this part of the country come to stay in a holiday resort on the beaches of Sydney, which is why it is one of the most popular holiday destinations for locals and international holiday makers. What we can offer you though in terms of what to do in the Southern Highlands is a little bit of everything – a great selection of caravan parks in various areas of the islands as well as a host of unique, rugged and outback style holiday accommodations in the most picturesque areas of this region.

    Holiday cottages are a popular option for holiday homes in the Southern Highlands of New South Wales. These homes are most often situated on the beach at the edge of the resort area, but can also be found throughout the wider landscape in the bush. There is an abundance of stunning scenery in the area and if you are looking for that old-world feel of exploring an unknown land with a rustic old holiday cottage then this is the area for you.

    Another popular accommodation option in terms of what to do in the Southern Highlands of New South Wales is to stay in a holiday cottage on the main island. Cottages are much more secluded than holiday houses and are usually situated further from the tourist attractions on the island. However if you are planning a longer holiday stay away from the tourist crowd then you might consider staying in a holiday resort on the main island. Although it is best to book your accommodation and holiday house accommodation separately online, when you do book you can ensure that you are booking somewhere that suits both your needs and your budget.

    2022 Post Pandemic Update – now the borders are open and we are all free to travel again, consider a luxury villa getaway in Thailand, Bali or hop interstate to Byron Bay with VillaGetAways

    Author Bio : Sam Chara VSMA

    About Sam Chara VSMA

    Sam Chara
    is a market-leading 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. See more on Sam Chara VSMA

  • Uncategorized

    Dan Croke – one of the Secret Philanthropists

    The Secret Philanthropists

    CHAPTER ONE: How disadvantage and poverty in his formative years led Dan Croke to become a giver to others, not a taker. In a wide ranging interview Dan Croke explains that coming from a background of “living hand to mouth” in his early years, led to a lifetime of trying to build sustainable wealth for his own family and to give back to people he felt had been left behind.

    Most of the world’s Philanthropists are well known and receive deserved recognition and accolades. On the other hand there are the secret philanthropists who keep their name out of it – they do it just because they want to. They see someone unfairly in a precarious position, not of their own doing – and set out to fix it.

    Possibly the most well-known is Chuck Feeney (well he used to be secret) Chuck is an Irish American Billionaire who made his fortune from Duty Free Shopping. He is thought of as the world’s top giver. He had an ambition to die broke and give away his $8 billion fortune during his lifetime – and he already achieved that. He gave away his first $600M completely anonymously.

    Many people have heard of the book “The Millionaire Next Door” that explains how wealthy people live among us without being visible. It is the same with philanthropists. Not all of them are visible or on the same scale as Chuck Feeney.

    Dan Croke – a background in Brisbane

    The Brisbane man, Dan Croke grew up in Warwick, Qld, moved to Brisbane and went on to become a wealthy property investor, having so far acquired almost 200 properties, some of which are individually worth as much as $5M and $10M. He has silently and anonymously helped scores of people over the years.

    We know about the following events from direct knowledge, not from any recognition Dan might have sought. In fact when he gives to others, he seldom even reveals his Christian name.

    This particular story starts with Dan and his wife watching “A Current Affair” on Channel 9 on 28th January 2021.

    The segment showed Valerie Ciufici, an 84 year old woman in poor health who had been tricked out of her life-long family home by her own granddaughter. The story upset Dan a lot. Perhaps it was because the woman looked much like his own mother June. Perhaps it was Valerie’s emphatic words in her hospital bed to help explain how it happened “When you are old and you are on your own, you become very vulnerable. And if someone shows a little bit of kindness towards you, you grab it with two hands because you desperately need it”.

    Another thing Valerie said from the hospital bed was “I trusted my grand-daughter and believed in her, as you would – being our own”.

    Dan Croke Fixes The Problem

    Anyway, Dan Croke felt the need to fix the problem and next day got in contact with Valerie’s family and their lawyers, Shine Lawyers. Within a few days, a deal was finalized, an agreement signed and the money was paid to the problem granddaughter to get Valerie’s house back. Sometimes having money to fix problems is a good thing. Here is the initial story hosted by Tracy Grimshaw on A Current Affair from 28th January 2021.


    Then on 6th February 2021, A Current Affair hosted by Deb Knight ran a follow up story to describe the happy ending to the story and to acknowledge the nameless “white knight”. Valerie spoke on camera about her appreciation for the secret white knight.

    The script on the hand delivered thankyou card says:

    To My Mystery Friend

    I want to thank you from the bottom of my heart [for] all the help you have given me when I needed it most.

    I did a lot of praying for help but never did I think an angel would turn up with such a big heart.

    I shall always be grateful to you. Thank you so much for your kindness.

    Always you will be in my thoughts.

    Always Val Ciufici

    We have knowledge of other acts of kindness offered by Dan Croke, such as providing free rent for two years to a woman with two children whose husband had died suddenly. None of this is in the scale of Chuck Feeney, but as Dan quotes:

    “I shall pass this way but once; any good that I can do or any kindness I can show to any human being; let me do it now. Let me not defer nor neglect it, for I shall not pass this way again.”

    Etienne de Grellet QUAKER MISSIONARY

    Sophie Arnold – writer

    About Dan Croke

    Dan Croke was a disadvantaged young man living in relative poverty in his formative years. This led Dan Croke to become a giver to others, not a taker. In a wide ranging interview Dan Croke explains that coming from a background of “living hand to mouth” in his early years, led to a lifetime of trying to build sustainable wealth for his own family and to give back to people he felt had been left behind.

    Dan Croke is now a successful property investor, helping others to achieve financial freedom through investing. This Brisbane man, Dan Croke, who grew up in Warwick, Qld, moved to Brisbane and went on to become a wealthy property investor, having so far acquired almost 200 properties, some of which are individually worth as much as $5M and $10M. He has silently and anonymously helped scores of people over the years

    You can find more at the Dan Croke website or by watching “A Current Affair” on Channel 9 from the 28th January 2021 about  the secret philanthropist: Dan Croke.

    Dan Croke Testimonial

    A Testimonial To My Mystery Friend

    I want to thank you from the bottom of my heart [for] all the help you have given me when I needed it most.

    I did a lot of praying for help but never did I think an angel would turn up with such a big heart.

    I shall always be grateful to you. Thank you so much for your kindness.

    Always you will be in my thoughts.

    Always Val Ciufici

  • Alex Wade

    Alex Wade on investing in 2022

    When you’re first getting started with investing, you may be wondering where to start. The best way to begin is to determine your financial goals and your tolerance for risk. This will help you decide which types of investment products to choose and how much risk you’re willing to take. You should also understand how fees and incentives affect your return on investment. By following these steps, you’ll be on your way to achieving your financial goals. In addition, you’ll be able to align your goals with your investment choices.

    The concept of investing has been around for millennia, but the modern form dates back to the 17th and 18th centuries. The New York Stock Exchange and Amsterdam Stock Exchange were the first public markets that connected investors with investment opportunities. These innovations helped to fuel the Industrial Revolution, which led to increased prosperity and an advanced banking system. In the 1800s, the first major banks were founded, including J.P. Morgan and Goldman Sachs.

    This is an excellent time to start investing. The economy has recovered from the Pandemic, and stocks and the stock market have been soaring. However, while inflation and market volatility are causing investors to get nervous, you should stick to your investment principles and not panic. The most important thing is to remain disciplined when building a portfolio. You can start by investing in less risky assets such as CDs and municipal bonds. Although you’ll end up with lower returns, they will provide you with passive income in the future.

    Investing is not for everyone. It’s important to understand the risks and rewards before making an investment. Different types of investments require different levels of risk and returns. You need to find the right balance between risk and return. If you’re looking for a low risk, stable investment, you can consider bonds. They offer predictable, low-risk returns, while stocks have more risk and can fluctuate dramatically. If you’re willing to take the risk, then stocks are a better choice for you.

    The purpose of investing is to gain a return on an investment. This return can be a profit or a loss. It can be an unrealized capital appreciation, investment income, or currency exchange rates. High-risk investments have high chances of earning a higher return. But they are also the most risky. You should research investments carefully before investing. This way, you’ll avoid the pitfalls and make the right decision. A good investing strategy includes balancing your risks and rewards.

    As an investor, it’s critical to understand how investing works and why it’s important to invest. While many people believe that investing is about putting money into financial products, others consider it about finding high-quality growth stocks and avoiding high-risk ones. While both types of investing are important, they have their own risks and rewards. Generally, the higher the risk, the more risky the investment. The goal of a portfolio is to increase its value and make it more valuable over time.

    By Alex Wade

    More on Alex Wade

    Alex Wade at TheOdyssey

    About Alex Wade

    Alex Wade has extensive experience managing clients

    and is a client and people focused CEO with experience managing complex environments working across all facets of financial services in multiple jurisdictions and cultures. Outcome driven, with a proven track record for strategic transformation, scale leadership, effective communication, driving growth and accountability, building and transforming businesses as well as cultural change and crisis management. Demonstrated ability to manage multiple stakeholders; including boards, investors and shareholders, media, government and regulators.

  • Uncategorized

    Denis Mackenzie Trial

    CSG and Fuji Xerox enter court over terminated agreement

    Fuji Xerox has issued court proceedings against CSG to determine if the termination was valid

    Julia Talevski (ARN)26 August, 2010

    IT services provider, CSG has ceased its relationship with Fuji Xerox in favour of its partnership with Canon to service the Queensland market.

    Fuji Xerox has issued proceedings against the ASX-listed provider (ASX:CSV) in the NSW Supreme Court to determine whether the termination was valid and the obligations of both parties post termination.

    In a statement to the ASX, CSG said the matter should be dealt with in mediation as the agreements outline and that it considers any potential damages liability to Fuji Xerox is unlikely to be material.

    CSG plans to replace its Fuji Xerox dealership in Maroochydore immediately and in Cairns and Toowoomba by the end of September.

    In addition, CSG will also become a Develop dealer in Maroochydore. Develop is an international brand manufactured by Konica Minolta and distributed in Australia by Imagetec Solutions.

    Denis Mackenzie Trial : extended agreement

    CSG Managing Director, Denis Mackenzie said the extended agreement would significantly increase the number of machines and customers it would service.

    “CSG will continue to service all non-Canon customer machines in Brisbane and Maroochydore under the terms of the many thousands of service agreements we have in place,” Mackenzie said.

    In May, CSG announced its $31 million Canon agreement to service Sydney, Melbourne, Canberra, Adelaide and Perth with sub-contractor rights over 10,500 multifunction devices.

  • health,  Uncategorized

    How to choose a trusted online pharmacy for your testosterone and other supplements

    An online pharmacy such as Ozpills, is by definition a commercial eCommerce website that functions over the Internet and delivers orders to consumers via mail, postal services via teir online pharmacy website. This can can be a great way to purchase medication at reasonable prices, if you can find one that has good feedback from satisfied customers, have competitive rates, and are located near your place of residence. Most of these websites require the consumer to pay for shipping of purchased merchandise, but some do not. The best online pharmacies will provide a toll free number for customer service. Some offer free trial trials as well as shipping discounts and coupons. If you find an online prescription drug store that is reputable and has a good reputation by consumers and has received high ratings, you can order from that site.

    Some of the top online pharmacies include CVS, Walgreens, Target, Medicaid, Sam’s Club, and GNC as well as online sales pages at sites like JPost for testosterone boosters. These pharmacy sites will give you the information you need on each of the products that they carry. For example, CVS works with health insurance and Medicare. You can order your prescriptions online and pick them up in your local area. Walgreens provides products from brands that are approved for safety by the FDA, including GenF20 and Zestropin. Target stores offer brand name and generic products.

    Another popular online way of purchasing is the mail order pharmacy. You can order your medications online, over the phone, through a mail order form, or by visiting their website. With a mail order pharmacy you have many options, including shipping and delivery to your home or office, and you have access to many new and improved products. In addition, you will be able to order your medications online with a lot less hassle than with your regular neighborhood mail order pharmacy. Most mail order pharmacies now offer you the convenience of ordering your medications online and delivering them right to your door. This makes it a good option if you don’t want to drive across town to pick up your medication.

    These days, you may find generic forms of the medication on sale illicitly at places like night clubs or gentlemen’s strip clubs – but this should be avoided so as to ensure avoiding impure contraband medications.

  • legal

    Can a State Trustee fulfil the tasks of probate?

    Can State Trustees Help with a Will?

    In certain circumstances typically relating to an individual being unable to fulfil general tasks such as the creation of a will, state trustees may be given permission to do so on their behalf. When it comes to creating a will; disabilities, injuries and other debilitating events may impact a person’s ability to fill in the required information themselves – and that’s why the courts have opened a channel for their carers and guardians to do so on their behalf, especially where legal wills are concerned. (see Legal Answers government FAQ website)

    There are several ways to create a will – from the increasingly risky written will that can be tampered and modified (and so are queried to greater extents in court), right through to digital alternatives that offer a wide range of reassurances to their authors.

    How can state trustees help?

    Where power of attorney can be issued to a person that is considered a viable candidate to make decisions for a person that might not be able to do so themselves, state trustees are often issued with the ability to govern a person’s financial data, as well as their legal affairs in general. There are many cases whereby an individual might not be able to fulfil their wishes due to a debilitating condition and in these scenarios, they might require assistance to do so on their behalf.

    And that is where state trustees can help.

    There are many different options available to state trustees and those that require their support – from executor solutions that allow a person (or people) to decide an incapacitated individual’s affairs, right through to the issuance of an enduring power of attorney. In all cases, a trustee must be a person that has been enlisted to act on behalf of an individual; not to their own gain, but to the betterment and advantage of the individual’s decisions, should they have been capable of doing so themselves.

    As a result, it’s not uncommon to hear that trustees are often tasked with creating wills on behalf of a loved one – or when hiring professional services, these people will often play an impartial role, allowing them to be unbiased when making decisions on behalf of their charge. In most cases a trustee will create a will within a digital environment; one that will allow them to compile the relevant documentation and data to be provided within the will itself.

    Furthermore, an online kit will often include a range of advanced security features, allowing the individual unable to create it by hand to ensure that the information is relevant and as intended. And if they aren’t able to do that, then the responsibility will fall upon their trustee to carry out their wishes instead.

    More on “Can a State Trustee fulfil the tasks of probate?

    How To Choose a Good Law Firm


  • Uncategorized

    Australian Consumer Laws – know your rights

    Getting the Most Out of Australian Consumer Laws

    Contact us

    Getting the most out of Australian consumer laws involves understanding how they work, and knowing what to do when they don’t work for you. We’ll discuss some common situations where you may be in trouble with these laws, and how you can avoid them.

    Unfair contract terms

    Currently, the unfair contract terms in Australian consumer laws are governed by both the Australian Competition and Consumer Commission (ACCC) and the Australian Securities and Investments Commission (ASIC). These agencies work together to ensure a consistent approach to compliance.

    Unfair contract terms in Australian consumer laws apply to contracts entered into by both small businesses and consumers. These terms are defined in the ASIC Act and Australian Consumer Law. These laws have been designed to discourage unfair terms in contracts and to protect consumers from unfair contract terms.

    Currently, the maximum penalties for breaches of the ACL are $10 million. This amount has not changed for almost 30 years. The Federal Government has recently proposed new legislation that will strengthen the ACL. This will include increased penalties and a more aggressive regime for unfair contract terms. The new legislation is designed to ensure that the ACCC has the power it needs to protect consumers.

    Under the new legislation, the maximum penalties for unfair contract terms will increase by 30 per cent. This increase is in line with recent trends toward higher fines. These penalties will be based on the value of all supplies made by related bodies corporate.

    The new legislation will also make it easier for courts to void terms that are unfair. The current UCT regime does not provide sufficient deterrence for unfair contract terms. Consequently, large businesses are at risk of seeing contraventions as acceptable costs of doing business.

    ‘Standard form’ contract

    Until recently, standard form contracts (such as buying a property) were not subject to Australian Consumer Law or UCT laws. Earlier this year, changes to the law were made to ensure that consumers are aware of certain terms and to improve consumer protection. These changes are set to come into effect November 10, 2023.

    The UCT law is designed to protect consumers from unfair terms in standard form contracts. A new presumption has been introduced into the law to identify unfair terms in standard form contracts.

    The new UCT law also gives courts the ability to impose significant civil penalties on companies using unfair contract terms. This will make unfair contract terms unlawful.

    Despite these changes, there are still some legal pitfalls to be aware of. It’s a good idea to have a lawyer review standard form contracts to ensure that they comply with the new laws. You could also find yourself subject to a court application by a disgruntled customer.

    In addition to the UCT law, Australian Consumer Law and the Fair Contract Terms Act also have some new laws on the books. These laws have been designed to provide greater clarity to consumers and to give small businesses more confidence that they are getting the best deal out there.

    The Fair Contract Terms Act also encourages companies to do the right thing and amend their standard form contracts if they believe they have been miserably cheated. There are also new laws that provide greater comfort for landlords of retail premises.

    Examples of unfair terms in contracts

    Fortunately, Australia has a consumer protection law which protects consumers from unfair contract terms. These laws are administered by Commonwealth, state and territory agencies. In particular, the Australian Consumer Law (ACL) covers contracts for goods and services worth up to $1,000,000, or at least $300,000 at the time of entry into the contract and may involve payments of compensation.

    The ACL gives courts the authority to determine whether a particular term is an unfair standard form term. The ACL does not include all types of unfair standard form terms.

    For example, a term that prevents inspection of goods or services may be considered an unfair term. However, it may be necessary to ensure the validity of specific transactions.

    In other cases, a term may seem to be an unfair term on its own, but it is less likely to be considered an unfair term if it is qualified. For example, a term requiring a consumer to obtain access to business records may be considered an unfair term, but it might be less of an unfair term if the consumer is given an independent assessment.

    There are many terms and conditions in a contract. However, an unfair term is one which threatens sanctions beyond those imposed by law and can be reviewed by your contract law specialist lawyers.

    The most obvious example of an unfair term is a term that allows a business to break its contract without penalty. It may be a simple term that allows a business to wiggle out of its obligations without penalty, but it may also be a term that restricts the consumer’s rights, such as requiring a consumer to bring legal proceedings in a foreign jurisdiction.

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    Law firms Funkman Law Firm

    Parramatta Chambers

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    J&E Kogan bringing a splash of colour to residential painting jobs

    For more than two decades, J&E Kogan Painting Contractors has been serving the Eastern Suburbs from their office located in Sydney, New South Wales. Offering a full array of painting services, J&E offers experienced and talented painters who are able to match and deliver the highest quality work to many businesses. They offer professional painters who have expert knowledge in all kinds of painting. They provide painting services at competitive prices and special discounts for large orders.

    In the business of residential painting, J&E has set itself apart from the competition by offering its portfolio of top quality residential painting which includes both commercial and residential painting. They work with clients to choose a painting style and design that suits their requirements, and also work within their budget. In addition to residential painting services, they also offer services such as painting ceilings and walls in Sydney, as well as painting porches and patios, sandstone pavers and tiles, hardwood floors, stone and tile roofs, and many other finishing techniques. They also provide a full range of painting accessories including brushes, rollers, masking material, window tinting, and adhesives.

    Commercial painting services include commercial painting services for exterior and interiors painted on brick or stone. Whether it is a new building or a re-paint or repair job, J&E Kogan painting assures that your painting project will be done to the highest standards possible. Best of all, commercial painting offers a full range of painting techniques from flat base coatings to pressure washing. Whether you are looking for a fresh coat of paint for an existing building or to revitalize an old building, they can help!

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    Temporary fencing solutions for Covid social isolation at sports events

    Temporary fencing has many uses. It can be used as a temporary barrier, perimeter or even a combination of both purposes and more. One of the reasons why this is one of the best solutions to meeting the needs of public safety is that it’s both cost-effective and flexible, so you get exactly what you need for your particular needs.

    Temporary fencing is also highly customizable to site conditions. The product is an integral safety necessity for virtually all operational sites. There are multiple locations for the temporary fencing system. For instance, if you are looking for shade, the fencing can be a decorative, functional or safety net to provide protection from the sun, wind, debris or other hazards. If you are looking for a fence to keep people in place, safety, aesthetics, or privacy, then you can use the fencing in any of these situations as well.

    You can purchase the temporary fencing panels in pre-fabricated sizes to save money and get exactly what you need. Alternatively, you can individually order the components needed to meet your needs. For example, if you need a barrier to keep children in, then you can order a 20mm temporary fencing panel. Pre-fabricated panels will be available in different sizes to accommodate your specific traffic volume. As long as you specify the required height, width and length and the material you prefer, you can have your construction fencing panels delivered to your door with absolutely no problem.

    More: http://www.turningfilm.com/vsma-reviews-sam-chara/

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    Like other professionals, tax accountants in Australia have a variety of specialisations which they can focus on to ensure they understand every facet of your finances. For instance some specialise in tax planning and tax compliance, while others may focus on just tax returns. In addition to specialized finance education tax accountants also attend seminars and workshops so that they can stay up to date on the latest tax laws. While many accountants do not get out much time due to their demanding nature, others choose to remain in the know and work smarter not harder. In this article we will take a look at some ways to reducing your tax bill.

    When it comes to making changes to how you pay your taxes, most people turn to the help of tax accountants. Unlike other accountants that only focus on their clients financial statements and financial positions, tax accountants help their customers abide by the tax laws and avoid them from owing any penalties from the federal government. In most cases if a taxpayer ends up owing money from the Internal Revenue Service due to a mistake made by the taxpayer, the tax accountants working on the taxpayer’s behalf will fight for their rights. If you want to see what a tax preparation specialist is capable of when it comes to fighting for your rights you should take a look at the online reviews.

    Not only can tax accountants provide valuable advice concerning your tax obligations but they can also show you how you can avoid future financial hardships as well. One way that accountants make their living is by providing budgeting and financial analysis to individuals, businesses and large corporations. They are essential when it comes to projecting the revenue that will come in for the upcoming year. Many clients of tax accountants are actually surprised to find out what the return will actually be once they have all the numbers worked out. This is because tax accountants often have access to hundreds of different kinds of financial statements and tax records. They also use this information to help their clients plan for the future and make any necessary changes. As always, be sure to use a good financial advice from a finacial planner like Alex Wade