ECentral Marketing Managers

23/12/2021

We've spent a long, long time working in the digital marketing sector. In that time, we've come to understand and appreciate one core, undeniable fact:

Content is king.

When it comes to digital marketing, there's a lot to do. You need to create and maintain a website,

08/12/2021

There's been a shake-up in the SEO world, with Google My Business taking a fall so that Google Business Profile might rise. Here at eCentral, we have only one question to answer:

Does it matter?

In the years following its introduction, Google My Business quickly became more and more important t

10/11/2021

Scam phone calls are on the rise all across Queensland, but this multi-pronged Google My Business scam targeting business owners is particularly insidious.

In recent days one of our clients has had what appears to be a scam attempted by way of their

07/12/2018

When it comes to getting loans, there are two primary ways of repayment, either you get a principal and interest loan where the payments are directed to both principal and interest, making the debt payable in a more precise time frame given the payments are made on time. And then there's the interest-only payment where the interest is paid in the first few years of the payment term, and the rest of the principal is paid for the rest of the term.

For Laura, it's usually the best case to go for an interest-only loan since most of the people nowadays have mixed-purpose debt. Translate that into a particular circumstance and you can imagine a family still paying their debts on a house where they live, and fund a property investment at the same time.

Getting an interest-only loan can enable the borrower to redirect the money supposed to be paid for the principal of the investment property into the home where they live so they can pay off the debt quicker. Just make sure the money is redirected. In addition, the interest of the investment property is automatically deducted to income that arrives regularly. In a way, the interest-only loan is paying off both the home and the investment property.

The worst that any homeowner/property investor needs to expect is how much more expensive it's going to be compared to the principal and interest type of loan. Through the help of the right people, partnered with the discipline in finances, anything is possible. Just make sure that this repayment strategy is something you understand and know with yourself that you can live with this worldview.

Before considering getting an interest-only loan, it's wise to talk to your mortgage broker about these things. Call on Laura Sillano, the most passionate mortgage broker out there. You can reach her at 0422 320 497, or visit Pod Financial's website to know more.

DISCLAIMER: The topics discussed in the video and its accompanying media are shared for general information purposes only. If you can see that these talks appeal to your particular situation in any way, please don't hesitate to reach Laura Sillano at 0422 320 497.

29/11/2018

How much should I borrow? is what we are talking about with Laura Sillano today.

There is a difference between asking how much should you borrow, and how much could the lenders give you. Mortgage brokers like the award-winning Laura Sillano deal more with the latter. How much should you borrow is more of a personal choice after your mortgage broker has shown you the possibilities and the lending options you could go with.

For more Laura Sillano,
Laura Sillano
POD Financial
M: 0422 320 497

16/11/2018

Topics like these are fundamental to every lender-related transaction. If you're looking to purchase either your first home, your first property investment, or simply get your loans refinanced, the calculation of your living expenses must stack up.

Calculating living expenses easily becomes one of the most difficult parts to assess because it is the part of the application that goes under the strictest scrutiny.

Living expenses could refer to various things; utilities, connections, and subscriptions—phone, electricity, Netflix, Internet—expenses like groceries, maintenance, and even investment expenses. Every expense that may be intimate to you should also be listed.

Laura Sillano shares that lenders take more time in calculating living expenses because these data are often inconsistent. Lenders always look at bank statements to make sure your living expenses are consistent and should project positively to the loan's favor, otherwise it will be very difficult to get loans accepted.

When looking to get financing for any purpose, it's important to be accountable on how you live your life, prioritise what your values are, and adjust accordingly. The expenses have to be showcased in a disciplined manner in order for lenders to have a better understanding of your living expenses.

Most importantly, seriously consider approaching your mortgage broker first at least three months before speaking to a lender. Give enough time to clean up and stack up your living expenses for lenders to have a better understanding of why they should consider your loan application.

Laura Sillano is an award-winning mortgage broker recognised for excellence in her work. Get a hold of her today to get a better look at where you're at financially and know more about your financial possibilities. Laura can be reached through her phone at 0422 320 497 or visit podfinancial.com.au to know more.

DISCLAIMER: The discussion presented in the video and its accompanying media are shared for general information purposes only, and should not be considered as advice. If one or more points in the discussion appealed to you personally, please seek professional and personal advice by calling our resident expert mortgage lender Laura Sillano at 0422 320 497 or visit podfinancial.com.au.

08/11/2018

It's not something you want to think about, only Laura Sillano of Pod Financial sees it all too often when relationships break down and something needs to be done about the family home. Clarity and communication are key but it mightn't always be that easy. In a perfect world, one would still be amicable with their ex-partner but what happens when things just don't pan out that way?

Laura notes that the more complex the situation, the more likely one would need the advice of multiple professionals. A couple may have shared endeavours with the family home, an investment property (or multiple), business, super funds, investments etc. Should this scenario apply to yourself, please ensure you have consulted an accountant, a family lawyer, financial planner and of course, your mortgage broker.

When titles of properties cross from 2 names to just 1, it isn't as simple as ducking down to the land title registry and having the other party's name stricken off the record. In the case of a home loan, this difficulty increases dramatically. One must remember that when a family home was initially purchased, 2 names and 2 profiles were factored into the application of that mortgage. 2 names generally means twice the income or serviceability arrangements and where many couples fall short is when the buying party (i.e. the person wishing to "buy" the other person out) may not have enough income or capacity to take on the mortgage singularly. Before even getting to this stage, it is advised that couples seek the advice of an accountant, family lawyer and mortgage broker to see if there are any further financial considerations to be made such as capital gains and tax implications.

In the case of stamp duty, buyers of separated family homes are generally exempt from needing to pay for stamp duty again as this would cause a double up of fees.

Lastly, Laura explains that individuals in a breakup mustn't let their emotions and biases impair their judgement when dealing with the financials. Seek the support you deserve and chat to a professional today.

If you or anyone you know is experiencing a relationship breakdown and may need the assistance of a trained and qualified mortgage specialist, chat with Laura Sillano of Pod Financial today on 0422 320 497 or simply search "Pod Financial" on Google.

DISCLAIMER: Please know that any information provided in this video is of a general nature only. For advice that relates to your specific situation, please seek the counsel of a trained and qualified mortgage lending professional.

06/11/2018

Pleasure having Clifford and Jonathon Much from Compliance Water Services in to make a series on the eCentral Business Show and discuss the importance facilities management issue of Legionella.

In this episode, Andrew and Jon talk about their range of services.

31/10/2018

Andrew Clifford and Jonathan Mutch from Compliance Water Services are specialists about the growth and eradication of Legionella. On previous episodes they shared how much of a risk Legionella, and how Legionella grows in water systems across various facilities in Australia. This time, they are here to talk about minimising the risk of Legionella.

The best way to lower the risk of Legionella, and to discourage Legionella from growing inside water systems is to conduct a risk assessment. While cooling towers, aged care facilities, hospitals, and other facilities that use water systems have regular maintenance checks set up, There is still a need to tap on a third party to audit the facilities and see if there is indeed Legionella growth in their water systems.

Case in point is this domestic water facility Andrew and Jon checked out recently. They checked a random spot where Legionella could be growing, and they found 400 colonies when the safe limit is to have lower than 10. The relevant spot isn't even the place where the biggest Legionella exposure is.

Legionella is a real risk, and it needs to be addressed only by the specialists. There are national guidelines for managing Legionella, but the policy needs to be more specific, more assertive and focus on this particular threat to health. Conduct a Legionella risk assessment for your business water systems, call Andrew from Compliance Water Services through his number 0429 431 709 or contact Compliance Water Services through their website www.compliancewaterservices.com.au.

This is a part of a series of videos featuring Andrew and Jon speaking about their specialisation in preventing Legionella risk management. Make sure to check out the rest of videos to learn more, or contact them immediately to make sure.

30/10/2018

Michelle Reeve founder of Waterlily skin, body and spa products started her the journey 13 years ago and has turned this (literally) "stovetop" grassroots business into a natural medicine phenomenon that is taking the world by storm. Michelle tells John that it's taken a serious amount of tenacity and hard work to get to where she is today - and the best is yet to come.

Waterlily was borne out of the desire to create products based upon the models of wellbeing, health and natural medicine. Stocked in nearly every corner of this country, Michelle now has a team of 12 people and continues to build year-on-year with tremendous progress. Waterlily sees the world of beauty care differently - not aesthetically focused, but instead, nutritionally complete with dense formulas that complement a complete wellness model.

What's been central to Michelle's success? She attributes it to having clarity of vision, strong core values, belief in her product, an invested team and sheer tenacity. Michelle notes that it's not that many businesses in her field fail, it's just that they give up. Giving up is clearly something that is not in Michelle's vocabulary.

Michelle encourages a wonderful culture of innovation, contribution and passion in the workplace. Excellence is everywhere and each team member has been carefully vetted to join her on this business journey. When it comes to attitude vs skill, attitude wins 101% of the time and is the reason she is even able to spend a year traveling whilst her business continued to grow.

Michelle is an advocate of continuous development and self-improvement. She listens to Tim Ferris, Malcolm Gladwell and Alan de Botton, and is an avid reader.

For premium beauty products that are made locally, with care and with your wellbeing in mind, check out Waterlily skin, body and spa products today at https://www.waterlilyskinbodyspa.com.au/

29/10/2018

Right off the bat, huge congratulations are in order for our resident expert Laura Sillano for winning the Empowerment Award for being a role model for women in the industry. Also, her team from POD Financial have won the Compliance Hero Award in acknowledgement of how they prioritise the safety of their clients. These all happened in this year's Connective Excellence Awards. eCentral is proud to have such an excellent resident expert.

Going back at the heart of the discussion, Laura then tells of the Interim Report for October 2018 by the Royal Commission. The report highlights, as what history dictates all along, the need for verification of expenditure. In the coming months, there will be more scrutiny in borrowers' expenditure.

News such as this would normally place borrowers in a more worried state. Laura explains why borrowers should look at this in a more positive light.

The nature of Laura's work as a mortgage broker is to be "overseers of clients' particular scenarios", their financial past and present. They help clients navigate through such a complicated environment. With that said, mortgage brokers are also foreseers of clients' possibilities and their financial future. Mortgage brokers are very passionate in seeing their clients move forward and prosper.

Laura encourages borrowers not to look at the scrutiny, but to look at how borrowers should respond to news like this. This may be a good time to get a more comprehensive look at one's finances, to have smarter financial decisions, and pay more attention on how money flows in, and how money is spent. With the help of qualified mortgage brokers, people tend to know more. The more they know about the environment they're in, the more they can prepare for whatever is coming.

If you're looking to get financing for your next home, the best way to get around it is to seek help from your mortgage broker. You can call Laura Sillano through her phone number 0422 320 497 or check out their website at www.podfinancial.com.au to learn more.

DISCLAIMER: The topics discussed in the video and its accompanying media are shared for general purposes only and is not to be considered or treated as advice. If you think you're in need of financial advice involving mortgage, please contact Laura Sillano at 0422 320 497 and start a conversation about your particular situation.

24/10/2018

Not to add stress, but to cause awareness, Legionella can grow in more ways than one. Andrew Clifford and Jonathon Much from Compliance Water Services flushes out where are the risks of Legionella and Legionnaires' disease?