Beaumaris Football Club Gala Saturday 1st June

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Beaumaris Football Club Gold Day Sunday 2nd June

BFC_GolfDay_2013-page-001

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C&G on the RBA Announcement for May

RBAMay

For the first time since December 2012 the Reserve Bank of Australia have cut our national cash rate by .25 per cent. Interest rates currently stand at 2.75 per cent, setting a 50-year record low for the Australian cash rate. Compared with many other nations, interest rates in Australia are still considerably stable (and high). [...]

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Fashionable Flowers at the International Flower and Garden Show

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There are always ways to add value to your property – whether that is by renovating, decorating or re-building. One area that is often neglected is that of landscaping and garden design, which can boost the worth of a home substantially if done well. Here at Chisholm and Gamon we celebrate the opening of Melbourne’s International Flower and Garden Show by highlighting ways in which a dedicated landscape design can increase the value of your home – and how this annual floral extravaganza will offer inspiration and motivation to get you started. Green thumbs – get ready!

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Celebrating its 18th year, the Melbourne International Flower and Garden Show is regarded as the largest and most successful horticultural event in the southern hemisphere. Held in the beautiful heritage-listed Royal Exhibition Building and stunning Carlton Garden surrounds, this event runs from Wednesday the 20th until the 24th of March – so you’ve still got the weekend to enjoy its array of displays. Featuring the best in landscape design and floral talent that Australia has to offer alongside an extensive range of garden retail products, this event is now regarded as a ‘must see’ for garden enthusiasts in Melbourne.

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There is an impressive array of highlights at the 2013 show, which will provide anyone looking to boost the value of their home with a myriad of inspiration. To create a vibrant garden that would be appealing to any potential home buyer, create a colourful flower bed that adds beautiful detail to your garden and instant appeal. This could be in hardy natives which are both beautiful and (relatively) easy to maintain for those with busy lifestyles. Look no further than the show’s Hall Of Flowers (which sees the Royal Exhibition Building transformed into a floral spectacle) to gain information from Australia’s best floral designers and florists. Enjoy strolling down grower’s avenue and take a look at the glorious fresh flower market where you can buy blooms directly from the grower.

If you’re looking to add a special art piece to your garden, the Garden Sculpture Exhibition features a selection of sculptures from which you can admire or even purchase. Organised by the Association of Sculptors Australia, these sculptures can assist you create a domestic landscape look that is unique.

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For overall landscape design inspiration, have a look at the International Flower and Garden Show’s Landscape Gardens, which features beautifully created landscapes that can be replicated at home. Brought to life by some of Australia’s most reputable landscape designers, these gorgeous, interactive outdoor displays feature a wide range of exotic plant life, flower beds, outdoor constructions and living spaces.

Melbourne’s International Flower and Garden Show is positively bursting with inspiration! Featuring an assortment of floral displays, landscape gardens, expert advice and garden supplies, it truly is the perfect location for your ideas to bloom.

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Hop to It: Easter with Chisholm & Gamon

happyeasterIt’s that time of year when shops are filled to the brim with colourful Easter eggs and our bellies are rumbling for scrumptious goodies like hot cross buns!  Family gatherings, school holidays and a lot of cooking is on the cards over the next couple of weeks – which is why today’s Chisholm and Gamon blog recommends celebrating Easter by making the most of local offerings and events from our community.

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Cacao St Kilda

The Magic of Easter is the theme of Cacao St Kilda’s 2013 window display for the season. Featuring gigantic chocolate eggs paired with perfectly detailed chocolate animals, the display is best described as a fantasy Easter egg forest. The entire display is made from Cacao’s delicious chocolate and is sure to have you salivating at the window. While the display is not for sale, there are a number of delicious treats in store that will be very much appreciated at your place. Just don’t expect them to last for long!

 cacaostkilda

 

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Religious Celebrations 

The Elwood/St Kilda West Parish invites the community to attend a number of religious events and masses associated with the religious holiday. An Ecumenical Service will be held on Good Friday at 9.30am at the Uniting Church on the corner of Chapel and Carlisle Streets. There will also be a Celebration of the Lord’s Passion at 3pm at the Sacred heart Church. An Easter Vigil will be held on Easter Saturday at 7.45pm beginning in the playground of St Columba’s School. Finally, there are two options for those wanting to attend mass on Easter Sunday. St Columba’s of Elwood will run a morning service at 9am while Sacred Heart in St Kilda West will host a service at 11am.

 easterfooty

St Kilda Football Club

Not all Melbournians go to church or value the Christian significance of Easter. If AFL is better described as your true religion, you might want to head down to the Linen House Centre on Easter Monday instead! The St Kilda Football club is holding a special open training session on the long weekend and they encourage all local families and supporters to attend. Try not to feel to guilty as you eat your left over chocolates while the players do hard yards on the field.

However you choose to spend your Easter weekend, we hope it is one spent enjoying time with family and friends. From everyone at Chisholm & Gamon – we wish you a happy and safe Easter.

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A Real Page-Turner: The 2013 Children’s Book Festival

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A great book allows a child’s imagination to run free, to explore wonderful and (sometimes) scary places while being safe at home. In an era where technology is ever-infringing on our lives, it is comforting to see a child enthralled by an old-school picture book. If you share the belief that children and literature are a terrific match, then you’ll be excited about the upcoming Children’s Book Festival. This Sunday the 24th of March the State Library of Victoria will host a free day of book-centric events from 10am – 4pm.  There are a number of literary themed events on the agenda, in addition to a classic sausage sizzle and a little fun face-painting.

hairymaclary 

MORNING

The great minds behind classic children’s picture books like Hairy Maclary and Saurus Street will give a talk about the creation of their popular tales. Lynley Dodd and Nick Falk will be having an informal chat from 10.30 am, followed by book signings for little (or big!) fans. Meanwhile, children’s entertainers The Mudcakes will perform at 11.30 am on the stage lawn. There will also be a writing and games workshop in the computer lab.

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AFTERNOON

Ron Murray will begin the afternoon at 12 pm with the sounds of the didgeridoo and an indigenous storytelling performance on the Stage Lawn.  Afterwards, librarians will host a tour of the children’s bookshelves for those who are keen to return for future visits. An old-fashioned costume parade planned for 12.40 pm is sure to delight those who fancy dressing up as their favourite storybook character. Alice in Wonderland? Humpty Dumpty?

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ALL DAY

There are a number of all-day events planned at the Children’s Book Festival. A fire truck will be parked on Little Lonsdale Street, giving children the chance to climb aboard and indulge in a little firefighter imagination play. Little Lonsdale Street will also host a Kids Publishing Book Cubby together with face painting. The Readings book store will also be open all day in the library forecourt, stocked to the brim with enticing bed time stories. Songs, rhymes and stories for little ones will be performed all day on the Gumnut Baby Lawn – and when you work up a fierce literary hunger, head over to the Bunyip Lawn for a delicious sausage sizzle.

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A Room with a View


275 Beach Rd, 05

It is most people’s worst nightmare: you buy your dream house or holiday home on a lush hillside overlooking the ocean, then your new neighbours decide to build their dream home and block parts of your view. So what is the law when it comes to a shared outlook?

The general advice most town planners give to home owners is that no one has a legal right to a view. The basis for most Victorian Civil Administrative Tribunal (VCAT) decisions (and there have been many) on the matter usually boils down to is the view sought to be protected by an existing resident or for a property an important part of the amenity of that property. And if applicable, does the new development proposal provide for a judicious sharing of views taking into consideration site conditions, constraints and the distance between properties and point of interest.

However, the interpretation of ‘reasonable’ is subjective, plus there is no measurable assessment tool in the planning scheme to provide further direction. Therefore, anyone considering buying property with the aim to develop with views or to simply reside and enjoy the existing view should first consider if the view can be easily removed by new buildings or planting of vegetation in the future.

255 Beach Rd, 11

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Making Money Go Further: Maximizing your Borrowing Capacity

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2013 presents a number of enticing opportunities for property investment – particularly if you plan on riding the upwards-trending wave that is presenting itself to home owners. If considering your first purchase (or secondary investment), it is important to ensure your borrowing capacity is optimum in order to allow you to make the best possible purchase. Post-GFC there has been increased legislation and caution from banking institutions in relation to lending capacity. These precautions are in place to protect the strength of own national economy, and to ensure we are borrowing responsibly. It is worth noting, however, that there are some institutions that will lend more or less to a potential mortgagee with identical credentials, which makes taking time to organize your finance with a broker the way to go. Today’s Chisholm & Gamon blog is a guide to optimizing your borrowing capacity and enhancing cash flow.

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PAPERWORK

Keeping your paperwork up to date and in order may be just the edge you need to have your loan application approved. It is necessary to have water-tight financial records to impress a lender, so get your tax returns completed on time and keep your financial records up to date. Should you be a sole trader or self-employed, your ability to demonstrate that you run an organized business will heighten the bank’s confidence in your ability to repay the loan.

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DEBTS

Cleaning up any credit card debt is very important when aiming to maximize your borrowing capacity. Banks will calculate your capacity to repay the loan based on you income, taking into account other mortgages and loans you will need to service. Credit cards (even ones with low balances) and personal loans are best kept to a minimum, as they can adversely affect your repayment capacity.

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SEARCH FOR THE RIGHT LOAN

Many banks offer a number of attractive added features with their loans. It is imperative to consider that for every credit card and line of credit offered, less ‘real’ money will be loaned. Be circumspect and look for the professional package that suits you and your lifestyle. Your main aim should be to secure the lowest interest rate possible, while also attempting to lower the rates on other mortgages to free extra cash flow. Your mortgage broker will advise you on the best offerings and ‘plan of attack’.

EXTEND THE LIFE OF YOUR LOAN

Many investors are now opting for 30 year loans instead of the former norm of 25. The longer a period of time you have to pay back your mortgage means lower repayments, freeing up more money for living or additional assets. You could also opt to make interest-only repayments on an investment property for a limited period of time. This approach can be useful for short-term mortgage holding or owner-builders looking to maximize their cash flow.

NEED ADVICE?

Contact Daniel Hustwaite at Aqua Financial Services for expert advice

dhustwaite@aquafs.com.au

0408 985 611

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