Brad

About Brad Lonergan

Brad Lonergan is a Financial Planner in the Newcastle and Hinter region in NSW, Australia. His company is BMK Financial Services.

Phone Security – Keeping Your Personal Information Safe

Keep your money, identity and personal information safe
Have you ever left your phone behind? It’s an odd feeling – like part of you is missing. And even though you’ll only feel right with it back in your hand, if your phone’s secure you’ll have peace of mind that your money and identity are safe […]

Superannuation – Take as a Lump Sum or Not?

When it comes to accessing your superannuation, it’s important you make the right choice.
You’ve spent your working life accumulating super. So when the time comes, are you better off taking a lump sum, regular income or both?

Let’s weigh up the alternatives so you can start to consider what may be best for you.
Taking a […]

Online spending and the affects on your investments?

Online spending has grown from humble beginnings to become an influencing force on the retail sector.

Customers, now armed with an abundant amount of online information, are quick to compare prices online in search of cheaper alternatives. But as well as using the internet to research cheaper alternatives, we’re also seeing that they’re happy to […]

Are Australian Interest Rates on the Slide?

Oliver’s Australian Economy Insights

Key Points
>> The RBA was right to cut interest rates again. Growth is too low and inflation is benign. Expect the cash rate to fall to 2% in the months ahead.

>> Record low borrowing rates, the lower $A and the boost to spending power from lower fuel prices should help boost […]

Nothing Succeeds Like Succession Planning

Small business is generally regarded as the backbone of the Australian economy, but that strong back is showing signs of age. With 30 per cent of all small business owners aged on the wrong side of 55i, it is important to have a succession plan in place.Ideally, succession planning should begin when the business […]

Using Your SMSF to Invest in Your Retirement

If you are looking for a way to bolster your retirement savings, then investing in business premises through your self-managed super fund may well be the answer.Since 2007, SMSFs have been able to borrow money to fund the purchase of assets including property, shares and managed funds through limited recourse loans.i

Limited Recourse Loans
Limited recourse […]

Paying Your Bills in Retirement – Retirement Planning Newcastle

 Retirement Planning – Newcastle Investments
Retirees and those nearing retirement have learned the hard way the importance of holding a portion of their nest egg in low-risk fixed income investments. During the financial crisis cash and bonds not only outperformed shares and property, they helped investors protect their capital and pay the bills.1

Now that interest […]

Is Off-The-Plan On The Money? Property Investment Advice Newcastle

With rising house prices, is buying off-the-plan for capital growth a good idea? When it comes to property investing, or any investment, there’s no such thing as a free lunch. You need some good property investment advice before outlaying your dollars in Newcastle.

AMP Capital’s Dr Shane Oliver suggests going in with your eyes open.
Reasons […]

Over 50s Top FREE Apps – Newcastle Financial Planning

With almost 80% of 55-64 year olds and 46% of 64+ year olds on-line in Australia,i there is no denying that the SilverSurfer generation are embracing the World Wide Web – and not just from a computer – phones and tablets are fast becoming the most popular way to discover all the net has […]

5 Tips For Bidding at an Auction!

Bidding for a property at auction can be stressful but you can reduce the stress involved. Before you consider bidding at an auction use our 5 tips to make sure you’re prepared and know what to expect.

Step 1: Work out the costs
Working out how much you can afford to repay on a home loan […]