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10 Ways to save money in the kitchen and Save the Planet

Posted On:Jan 13th, 2020     Posted In:Provision Newsletter Articles    Posted By:Provision Wealth

Looking to reduce your impact on the environment and save money? Making your kitchen more eco-friendly helps both the planet and your bank account! Use the tips below to save money in the kitchen and help save the planet. 

 

1. Plan Meals in Advance

A little planning goes a long way! Set aside time each week to plan your meals. List exactly

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Looking to reduce your impact on the environment and save money? Making your kitchen more eco-friendly helps both the planet and your bank account! Use the tips below to save money in the kitchen and help save the planet. 

 

1. Plan Meals in Advance

A little planning goes a long way! Set aside time each week to plan your meals. List exactly what ingredients you’ll need for each meal and add them to your grocery list. This step alone will help you avoid unnecessary purchases at the store. Having a weekly menu also reduces the temptation to order take out or go out to eat.

2. Eat Leftovers

A little planning goes a long way! Set aside time each week to plan your meals. List exactly what ingredients you’ll need for each meal and add them to your grocery list. This step alone will help you avoid unnecessary purchases at the store. Having a weekly menu also reduces the temptation to order take out or go out to eat.

3. Reuse Kitchen Scraps

Many kitchen scraps can be reused and repurposed for different recipes. For instance, you can use leftover vegetables or chicken bones to make homemade broth and stock. 

Some other ways I repurpose old food is turning stale bread into croutons for salad and using overripe bananas to make banana bread. Look for ways you can use foods that you would otherwise throw out for different dishes. Check out the Zero Waste Chef for more ideas on how to reduce food waste.

4. Make Homemade Sauces and Condiments

Buying common sauces, and condiments like mustard and salad dressing can add up. Plus, most of these items come in single-use plastic containers which are awful for the environment. 

Instead of buying condiments at the store, try making them from scratch. There are a ton of homemade recipes online that are fun and taste better than the bland sauces you’d normally buy!

5. Skip the Dry Cycle on your Dishwasher

Kitchen appliances are no doubt convenient, but the energy they use has a negative impact on the environment… not to mention makes your electric bill shoot up! Thankfully, there are ways to enjoy these items while minimizing their negative side effects. 

One way to do this is to skip the “dry cycle” on your dishwasher. When it’s time for your dishes to dry, simply open your dishwasher door or grab yourself a drying rank and let the dishes dry off naturally.

6. Don’t Store Hot Items in your Refrigerator

Like your dishwasher, your refrigerator zaps up a lot of energy in the kitchen. There are a number of ways to reduce the amount of power your fridge uses. For a quick win, a great tip is to ensure your fridge or freezer temperature isn’t set too high. The most efficient temperature setting for your freezer is -18°C and your fridge between 2°C and 5°C. It’s also important to leave some space around the back of your fridge or freezer for air to circulate.

Another quick win is to stop putting hot food in the fridge. Warm items increase the temperature in your refrigerator. This causes your fridge to use more power to bring the temperature down to normal. Next time you want to store hot leftovers, let them cool down first before putting them in your fridge.

7. Unplug Kitchen Appliances that aren’t in use

Keeping items plugged into an outlet uses energy; even if they’re not turned on. How many kitchen appliances do you keep plugged in when they’re not in use? While you may not be able to power off your refrigerator, there are many smaller appliances that you can unplug. 

Look around your kitchen and see what appliances you leave plugged in. You’ll be surprised at how many you find. Some common ones I’ve noticed are microwaves, coffee makers, and toasters. This may sound trivial, but little steps like this can add up to significant savings.

8. Stop Using Paper Towels

How often do you buy paper towels? When I crunched the numbers, I was shocked to learn how much I spent. Removing paper towels from your kitchen saves you a ton of money. Plus paper towels are one of the most wasteful single-use products you can buy!

Instead of cleaning your kitchen with paper towels, invest in a set of kitchen towels. If you’re really looking to go green you can also cut up old clothes or bed sheets and use them as DIY kitchen towels. Leave a basket of rags on your counter and reuse them over and over.

9. Bulk Bin Shopping

Shopping at the bulk bin section of your grocery store is a great way to save money. You can get discounted prices on items like rice, spices, and dried fruit when you buy in bulk. Bulk bin shopping also helps you avoid the plastic packaging that many of these items come wrapped in. Most stores offer plastic produce bags to use for the bulk bin section, so by grabbing some reusable bags you can avoid contributing to the plastic bag problem.

10. Start a Garden

Gardening is a cheap alternative to buying produce at the store. It also limits the negative impact shipping produce has on the environment. Not only that, it feels great knowing you are cooking with fresh, organic ingredients.

If you don’t have space for a garden in your home, try looking for community gardens in your area. I can’t recommend community gardening enough! It’s a sustainable way to grow food and helps you connect with the people in your neighborhood.

Saving money and saving the planet go hand in hand. Use one of the suggestions above to help the environment while cutting down costs in your kitchen!

 

Source : FOODMATTERS

Reproduced with the permission of the Food Matters team. This article by Megan Kioulafofski  was originally published at https://www.foodmatters.com/article/10-ways-save-money-kitchen-and-save-planet

Important:
This provides general information and hasn’t taken your circumstances into account.  It’s important to consider your particular circumstances before deciding what’s right for you. Although the information is from sources considered reliable, we do not guarantee that it is accurate or complete. You should not rely upon it and should seek qualified advice before making any investment decision. Except where liability under any statute cannot be excluded, we do not accept any liability (whether under contract, tort or otherwise) for any resulting loss or damage of the reader or any other person. 

Any information provided by the author detailed above is separate and external to our business and our Licensee. Neither our business nor our Licensee takes any responsibility for any action or any service provided by the author.

Any links have been provided with permission for information purposes only and will take you to external websites, which are not connected to our company in any way. Note: Our company does not endorse and is not responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

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A clever way to hit ‘refresh’ on your approach to work

Posted On:Jan 13th, 2020     Posted In:Provision Newsletter Articles    Posted By:Provision Wealth

The thing I love most about coming back to work at the start of the new year is a renewed willingness to do and look at things differently. 

Call it clarity. Fresh perspective. Or more honestly, the result of shutting down the laptop and having rested for a week or two. Bliss. 

I like to think of the climb back into work

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The thing I love most about coming back to work at the start of the new year is a renewed willingness to do and look at things differently. 

Call it clarity. Fresh perspective. Or more honestly, the result of shutting down the laptop and having rested for a week or two. Bliss. 

I like to think of the climb back into work as an opportunity to hit the refresh button on all the tasks from the ‘old’ year and consider doing them differently. 

It’s a good way to lift the spirits when you’d rather be on the beach with your kids, and may even prompt a better way of doing the things you always do.

Helpfully too there are always plenty of ideas floating about how to improve the way you do ‘you’. 

This one from American CEO coach, author and speaker, Lauren Zander has really inspired me.

She calls it the meditation of ‘designing your days’ and it’s done by swapping out your regular to-do list with a letter to yourself, about how the day ahead unfolded.  

Here’s how Lauren explained it to Forbes magazine

I teach clients to “design their day” each day.  This is where I have them write out how their day went before it actually happened and send it to me and any other people in their lives who will hold them accountable to it. Your “Designed Day” (DD) is an accounting of how you want your best and most fun day to unfold, equipped with attitude and aspirations.” 

It’s basically like writing a letter to your future 5:30pm self, at the start of the day detailing all the things that went well for you. Lauren says the power of this process helps us connect our daily ‘tasks’ with our emotional and even spiritual aspirations. 

Whether you told the truth at a meeting and inspired everyone to do the same, or you completed all the work you set out to accomplish, had zero traffic, out of the blue magic or found that key new person to hire. YOU get to create excellence that is on point with your dreams. You get to manage and inspire yourself, keep your promises and talk to your life, directing it and practicing the art of authoring it,” she says. 

Now that’s what I call I an interesting twist on the ‘normal’.

 

Source : Flying Solo

This article by Lucy Kippist is reproduced with the permission of Flying Solo – Australia’s micro business community. Find out more and join over 100k others.

 

Important:
This provides general information and hasn’t taken your circumstances into account. It’s important to consider your particular circumstances before deciding what’s right for you. Any information provided by the author detailed above is separate and external to our business and our Licensee. Any information provided by the author detailed above is separate and external to our business and our Licensee. Neither our business, nor our Licensee take any responsibility for any action or any service provided by the author.

Any links have been provided with permission for information purposes only and will take you to external websites, which are not connected to our company in any way. Note: Our company does not endorse and is not responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

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Saving for education

Posted On:Jan 13th, 2020     Posted In:Provision Newsletter Articles    Posted By:Provision Wealth

Education is the gift that parents can give their children that keeps on giving.

But if you are considering private schools it is a gift that comes with a significant – and usually rising – bill attached.

Cue visions of stately buildings, sweeping playing fields, uniformed students—and steadily rising school fees.

One in three Australian children attend a non-government school1 and education is the

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Education is the gift that parents can give their children that keeps on giving.

But if you are considering private schools it is a gift that comes with a significant – and usually rising – bill attached.

Cue visions of stately buildings, sweeping playing fields, uniformed students—and steadily rising school fees.

One in three Australian children attend a non-government school1 and education is the second largest expense for many families, with some spending a third of their household budget on school fees2. Private school education costs are outpacing both inflation and wages growth3.

A cursory internet search found that a private school in New South Wales charges almost $37,000 a year for a year 12 place.

And even if you were sending your child to a public school, fees aren’t the only thing you need to plan for. Other items to consider include is the cost of textbooks, contributions to the increasingly prevalent compulsory laptop program, school uniforms and an endless list of ‘back to school’ items you’ve never heard of.

So savvy parents start planning early. But what’s the best way to save for your children’s education? And how can you avoid the trap of redrawing your mortgage, or worse?

The first step to successfully funding your children’s education expenses is planning.

And the first question to ask is – how much will you need?

The costs of education vary dramatically depending on both your choice of school and how early you choose a fee-paying school. There is an enormous difference between sending a child to a private school from kindergarten and going private for high school only. Some schools also offer day-care and pre-school places, potentially adding up to five extra years of fees.

Once you understand how much you need, the next question is how long you have—and how much you can add to your savings pool as you go. The longer the time frame before school fees become due, the more time there is to invest and compound your earnings. The more you can save along the way, the faster you will reach your goal.

It’s also important to think about your risk tolerance as higher returns are possible only with higher risk.

The next step is to select an appropriate savings vehicle for your money.

There are three basic ways to hold and grow the money you save for your children’s education: you can save regular amounts into a bank account, but given record low interest rates that is looking less attractive, you could build an investment portfolio – a basket of shares for example – or buy a managed fund or a more specialised product like an investment bond.

Saving your money in the bank might seem the safest option, but with school fee growth outpacing inflation it can actually mean you go backwards. Still, it remains a good option if your timeframe is tight or your risk tolerance low.

For people paying off a mortgage it can make sense to use an offset account to park savings. An offset account effectively earns interest at an equivalent rate to your mortgage. You can then redraw the funds when it is time to pay the school fees.

Managed investment schemes are another option for growing your savings over the years before school begins. Many people opt for making regular contributions to managed funds) or exchange traded funds allowing their savings to compound over time.

Managed investments can be terrific for providing diversification, which can reduce your risk of capital loss by spreading your investments over different asset classes and over hundreds or thousands of individual investments. They also come with the flexibility of withdrawing fund whenever you need them.

But as with every investment, do your research as some of these products come at a high cost, with fees varying wildly.

Investment bonds are another option for saving but they are a peculiar beast so extra research may be required to understand what you are investing in and any specific restrictions or conditions.

As you make these decisions, keep two principles in mind—watch your costs and stay the course.

Remember that lower cost investments usually outperform their higher cost counterparts4, and starting early will give you – and your children – the best chance of success.

1 https://www.abs.gov.au/ausstats/abs@.nsf/mf/4221.0
2 https://edstart.com.au/blog/record-low-wage-growth-impact-on-family-budget-and-school-fees/
3 https://edstart.com.au/report
4 https://personal.vanguard.com/pdf/ISGSFA.pdf

Source : Vanguard

Written by Robin Bowerman, Head of Corporate Affairs at Vanguard.

Reproduced with permission of Vanguard Investments Australia Ltd

Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFS Licence 227263) is the product issuer. We have not taken yours and your clients’ circumstances into account when preparing this material so it may not be applicable to the particular situation you are considering. You should consider your circumstances and our Product Disclosure Statement (PDS) or Prospectus before making any investment decision. You can access our PDS or Prospectus online or by calling us. This material was prepared in good faith and we accept no liability for any errors or omissions. Past performance is not an indication of future performance.

© 2020 Vanguard Investments Australia Ltd. All rights reserved.

Important:
Any information provided by the author detailed above is separate and external to our business and our Licensee. Neither our business nor our Licensee takes any responsibility for any action or any service provided by the author.

Any links have been provided with permission for information purposes only and will take you to external websites, which are not connected to our company in any way. Note: Our company does not endorse and is not responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

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20 easy eco-resolutions every business should make in 2020

Posted On:Jan 13th, 2020     Posted In:Provision Newsletter Articles    Posted By:Provision Wealth

No matter the size of your business, introducing greener work practices should be top of the new year agenda. By making moves to reduce, reuse and recycle, You’ll not only help save the planet, you’ll reduce your energy costs and appeal to likeminded customers.

Whatever the political situation, an increasing number of people in Australia and New Zealand value environmental sustainability

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No matter the size of your business, introducing greener work practices should be top of the new year agenda. By making moves to reduce, reuse and recycle, You’ll not only help save the planet, you’ll reduce your energy costs and appeal to likeminded customers.

Whatever the political situation, an increasing number of people in Australia and New Zealand value environmental sustainability in business practices. And they’re changing their purchasing habits as a result.

By adopting and spruiking your eco-credentials, you’re not only able to attract and retain environment-minded clientele, you’re also likely to entice – and keep – more staff, with the HP Australia Environmental Sustainability Study 2018 revealing 70 percent of 22 to 30-year-old Australians would prefer to work for a company with environmentally sustainable practices.

To make 2020 your greenest year yet, here are 20 easy eco-resolutions for your business.

1. Install bike racks

Encourage your staff to reduce their carbon footprint – while getting fit – by cycling to work. Install a secure bike rack in the office, then don your helmet and get riding.

2. Allow employees to work remotely

Being more flexible and allowing employees to work from home once a week – or more – is a sustainability no-brainer. As well as keeping cars off the road, fewer people in the office equals less energy consumption. It’s a win-win.

3. Introduce a ‘no single-use cups’ rule

Place a total ban on takeaway coffee cups and remove disposable cups from your water cooler. Instead, ask staff to bring in their own refillable water bottles and coffee cups.

READ: Should your café consider ditching single-use items?

4. Stock the kitchen with real crockery, cups and cutlery

To discourage employees from accepting throw-away cutlery from the local café, make sure your staff kitchen is fully stocked. And if you don’t want to deny forgetful staff their caffeine fix? Have a spare stash of KeepCups on hand.

5. Switch to reusable coffee pods

Coffee is the fuel of worker bees, so having a pod machine on site might seem like an investment in productivity. But with Aussies consuming around six million coffee pods daily and only five percent recyclable, it’s a disaster for the environment.

If you already have a machine – don’t chuck it! Instead, purchase Crema Joe’s reusable coffee capsules, or sign up to their new coffee pod refill and exchange service (currently Melbourne only).

6. Use recycled toilet paper

The staff bathroom is another spot where you can make simple changes. Stock up on 100 percent recycled loo roll from Who Gives A Crap, and know that 50 percent of profits will be used to build toilets in developing countries.

7. Install high-speed hand dryers

Paper hand towels may be convenient, but they can’t be recycled once used. For a smaller environmental footprint, consider swapping to a high-speed hand dryer.

8. Go paperless (where possible)

With cloud-based computing, responsible businesses are making moves towards ditching paper. If going 100 percent paperless is not feasible for your business, make as many small changes as you can.

Introduce paperless billing, discourage staff and customers from printing emails (pop a reminder in your email signature!), and print double-sided.

9. Shred and recycle your documents

Always buy recycled printing paper and recycle your own documents once you’re done with them. If privacy is an issue, buy a paper shredder and shred everything before recycling.

10. Work with sustainable suppliers

Do a sustainability audit of all your suppliers, and support those with green initiatives. Also shop local where possible to reduce transport miles.

11. Switch to energy-efficient light bulbs

Changing to LED lighting will reduce energy consumption and save you money. Install sensor lights in lower-traffic areas, and make sure all lights go off at home time.

READ: How to reduce your small business’s carbon footprint

12. Only use the dishwasher when full

If your office kitchen has a dishwasher, make sure it’s on eco mode and that staff are only running full loads.

13. Introduce some plants

Not only do plants look great, they’ve been shown to increase productivity in the workplace. They also help purify the air and reduce stress.

14. Make recycling easy

Have dedicated bins for general waste and different types of recycling (paper, ink cartridges, bottles and cans, etc). Make sure these are clearly marked and positioned for convenience. Make your own signs, or you can download some here.

15. Adjust the thermostat

If half your staff are wearing jumpers in the height of summer, something is NQR. Turning the temperature up a few degrees in summer and down in winter can result in big energy savings.

16. Encourage carpooling

Suggest that staff who live in the same area set up a carpool. Employees will not only be reducing their carbon emissions, they’ll enjoy the social benefits.

17. Carbon offset staff flights

Try to limit unnecessary staff travel by sticking with virtual meetings when possible. If you or a team member does have to fly, check the box and fork out a few dollars to offset the carbon emissions.

18. Buy upcycled office furniture and refurbished computers

Shop around for second-hand office furniture and refurbished equipment. You’ll save money and keep products out of landfill. It’s also an easy way to give your workplace some character.

19. Take marketing online

Replace offline marketing with a (much greener) digital strategy. If you must send flyers and direct mail materials, have them printed on recycled paper.

20. Dispose of old computers responsibly

Drop your old computers, printers and accessories at a local TechCollect drop-off point to prevent e-waste ending up in landfill.

Source : MYOB

Reproduced with the permission of MYOB. This article by Pip Jarvis was originally published at https://www.myob.com/au/blog/tips-sustainable-business-2020/

Important:
This provides general information and hasn’t taken your circumstances into account. It’s important to consider your particular circumstances before deciding what’s right for you. Although the information is from sources considered reliable, we do not guarantee that it is accurate or complete. You should not rely upon it and should seek qualified advice before making any investment decision. Except where liability under any statute cannot be excluded, we do not accept any liability (whether under contract, tort or otherwise) for any resulting loss or damage of the reader or any other person.

Any information provided by the author detailed above is separate and external to our business and our Licensee. Neither our business nor our Licensee takes any responsibility for any action or any service provided by the author.

Any links have been provided with permission for information purposes only and will take you to external websites, which are not connected to our company in any way. Note: Our company does not endorse and is not responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

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Affordable Destinations for Health and Wellness Holidays

Posted On:Jan 08th, 2020     Posted In:Provision Newsletter Articles    Posted By:Provision Wealth

If you struggle to stick to a healthy diet, don’t exercise regularly or can’t make time for peaceful moments of rest, chances are you need a holiday – and don’t we all! The thing is, we often jet off to exotic shores only to overindulge in junk food, a few too many sunset cocktails and late nights that add up

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If you struggle to stick to a healthy diet, don’t exercise regularly or can’t make time for peaceful moments of rest, chances are you need a holiday – and don’t we all! The thing is, we often jet off to exotic shores only to overindulge in junk food, a few too many sunset cocktails and late nights that add up to pure exhaustion on the plane ride home. 

And, there’s nothing wrong with that.

However, if you want to take a break that truly results in a rejuvenated mind, body and spirit, health and wellness holidays are the way to go. Best of all, some of the world’s most beautiful destinations offer an abundance of healthy living options and retreats that are guaranteed to produce that holiday glow, on a budget. 

Luang Prabang, Laos

The motto for life in Luang Prabang is ‘boh pen yang’, which basically translates to ‘no worries’. Here, each day starts with the sounds of chanting and temple drums before sunrise and Tak Bat. The morning alms ceremony sees lines of orange-robed monks wind through the UNESCO-listed streets, in a silent procession that supports the monks with food and the almsgivers with spiritual nourishment. 

With your spirit soothed, walk or cycle to the picturesque banks of the Nam Khan River for a class with Luang Prabang Yoga. Join a cooking class at Bamboo Tree to learn healthy tips, after selecting your own organic produce from the outdoor market. Because you’ll save money staying at charming guest houses for as little as $50 a night, splash out on revitalising spa treatments at Amantaka or Mekong Spa

Chiang Rai, Thailand

The ‘land of smiles’ is world-famous for a wealth of tropical retreats that are custom-made to guide guests back to peace, health and happiness. With yoga classes, detox programs, spa treatments and personalised healthy eating plans galore, it’s almost impossible to leave without feeling like a new person. 

Best of all, you don’t have to spend up big to get a slice of luxury with your health kick. Head to laidback Chiang Rai for cheap accommodation surrounded by temples and mountains, with plenty of budget-friendly, organic local produce to tempt your taste buds. Check out Museflower Retreat and Spa for wellness packages, treatments and workshops. 

Ubud, Bali

You can’t take two steps in Ubud without running into a yoga or massage studio – and that’s only a slight exaggeration. Bali’s spiritual and cultural centre offers everything you need for a health and wellness holiday, with a price tag that puts a smile on your face before you even sink into a massage. 

There are plenty of health retreats offering programs to de-stress, detox and revive. However, with daily walks in emerald rice fields, meals at restaurants serving chemical-free meat and organic produce, cheap-as-chips massages and a yoga class or three, it’s easy enough to design your own health and wellness holiday here. 

A little bit of balance between cocktail-sipping and healthy pursuits is all it takes to truly rejuvenate and reap all the rewards from your next break – including a happy holiday budget! 

 

Source: Clientcomm library 

Important note:
This provides general information and hasn’t taken your circumstances into account.  It’s important to consider your particular circumstances before deciding what’s right for you. Although the information is from sources considered reliable, we do not guarantee that it is accurate or complete. You should not rely upon it and should seek qualified advice before making any investment decision. Except where liability under any statute cannot be excluded, we do not accept any liability (whether under contract, tort or otherwise) for any resulting loss or damage of the reader or any other person.  Past performance is not a reliable guide to future returns.

Any information provided by the author detailed above is separate and external to our business and our Licensee. Neither our business nor our Licensee takes any responsibility for any action or any service provided by the author. 

Any links have been provided with permission for information purposes only and will take you to external websites, which are not connected to our company in any way. Note: Our company does not endorse and is not responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

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First Home Loan Deposit Scheme (FHLDS)

Posted On:Jan 07th, 2020     Posted In:Provision Newsletter Articles    Posted By:Provision Wealth

The First Home Loan Deposit Scheme is a Australian Government initiative to support eligible first home buyers purchase a home sooner.

It does this by providing a guarantee that will allow eligible first home buyers on low and middle incomes to purchase a home with a deposit of as little as 5 per cent.

The Scheme will support up to 10,000 loans

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The First Home Loan Deposit Scheme is a Australian Government initiative to support eligible first home buyers purchase a home sooner.

It does this by providing a guarantee that will allow eligible first home buyers on low and middle incomes to purchase a home with a deposit of as little as 5 per cent.

The Scheme will support up to 10,000 loans each financial year, starting from 1 January 2020.

Please contact us on |PHONE| for information on participating lenders.

Are you an eligible first home buyer?

The Scheme is open to singles or couples.

Singles

If you are looking to purchase your first home as the only person named as a borrower in your home loan, then you would apply under the Scheme as a single.

Couples

If you are looking to purchase your first home with your spouse or de facto partner, where you are both named as borrowers in your home loan, then you would both apply under the Scheme as a couple.

NHFIC has developed a tool to help first home buyers find out whether they meet the Scheme’s eligibility criteria.

Click here to view the Eligibilty tool.

Property price thresholds

To ensure the Scheme is only available for the purchase of a modest home, or the purchase of land and construction of a modest home, the property price thresholds (maximum property purchase price under the Scheme) will apply in capital cities, large regional centres and regional areas.

NHFIC has also developed a tool to help first home buyers find out the property price threshold for the suburb in which they are looking to purchase a property. Please note that this tool is provided as a guide only and does not mean that you will receive either a guarantee or a loan from a participating lender.

Click here to view the price threshold tool.

Fact Sheets

Please click here to download a Fact Sheet

Please click here to download some FAQs

If you have any questions or require further information please contact us on |PHONE|.

Source:

https://www.nhfic.gov.au/what-we-do/fhlds/

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