Crown Lending http://crownlending.com.au/b2/index.php Crown Lending - Australia's 1st Home Loan Where You Get Debt Free Quicker and You Pay Less Per Month en-AU hourly 1 2000-01-01T12:00+00:00 Refinancing http://crownlending.com.au/b2/index.php?title=refinancing&more=1&c=1&tb=1&pb=1 2010-08-04T15:33:55Z crownlen General Refinancing your home loan is a very smart option to take if you are looking to consolidate your credit card debt, personal loan debt or wanting to use some of your equity to invest in either property or shares. The average Australian refinances their home loan every 3.9 years, most of the time it is for one of the benefits mentioned below: · Getting a lower interest rate · Paying off your mortgage faster · Lowering your monthly debt repayments · Accessing equity for renovations, holidays or cars Our home loan consultants can give you quotes on refinancing, as well as let you know what the best home loan structures are in the market. You will end up saving thousands of dollars in interest payments, which means you’ll be out of debt quicker and have your investment property portfolio started a lot sooner! Scott Parry 1300882981 Refinancing your home loan is a very smart option to take if you are looking to consolidate your credit card debt, personal loan debt or wanting to use some of your equity to invest in either property or shares.

The average Australian refinances their home loan every 3.9 years, most of the time it is for one of the benefits mentioned below:

· Getting a lower interest rate
· Paying off your mortgage faster
· Lowering your monthly debt repayments
· Accessing equity for renovations, holidays or cars

Our home loan consultants can give you quotes on refinancing, as well as let you know what the best home loan structures are in the market.

You will end up saving thousands of dollars in interest payments, which means you’ll be out of debt quicker and have your investment property portfolio started a lot sooner!

Scott Parry
1300882981


]]> Corporate Profile - Crown Lending http://crownlending.com.au/b2/index.php?title=corporate_profile_crown_lending&more=1&c=1&tb=1&pb=1 2010-07-16T14:54:06Z crownlen Announcements [A] The Executive Director and sole shareholder of Crown Lending is Scott Parry. Crown specialises in getting their clients cash flow working for them - which results in them paying off their mortgage in up to half the time! Over the past 8 years Crown has shown Australians how to get their incomes working for them in the best way possible in order to reduce the term of their home loan. Crown Lending has featured in publications such as Asset Magazine, Money Management Magazine, Financial Review, Adelaide Advertiser, West Australian and the Sunday Times. Benefits to YOU the Client: • Having a personal private bank manager who helps YOU with your cash flow management every pay cycle. • NO CREDIT CARD DEBTS. It is a CASH BASED SYSTEM - Utilising a VISA DEBIT facility. • It reduces your impulse buys such as ad-hoc purchases on credit cards. • It reduces your “bad” Debt or non-deductible Debt faster - Getting your income working for you rather it just sitting in your cheque or savings account doing absolutely nothing for you! • There is monthly contact with you, keeping you accountable and helping you with your self discipline - just like a FREE personal trainer but for your finances! • Annual Reports are sent detailing your progress together with information about how you are on track to achieving your #1 goal - paying off your home loan! • No Monthly Fees = $0 • No Annual Package Fees = $0 • No Money Management Fees = $0 • Better cashflow Crown Lending completes a very comprehensive individual spending plan analysis with each client. These figures are then utilised to assist us with our techniques to reduce your debt. You are also educated and shown the powerful benefits of having the LOWEST TOTAL COST HOME LOAN on the market. The key to Crown Lending’s success has been the regular monthly contact with EVERY one of our clients. We help our clients track their progress by keeping them accountable via cash flow reports created and distributed to them regularly. The report shows all the transactions that have been made, but more importantly the amount of savings they have achieved. The funding line for Crown Lending comes from NAB, as they have their funds held on trust for them with Perpetual Trustees. With a major bank funding line, the pricing and flexibility is similar to that of a retail bank product but with the value added service offering of monthly contact and support with a real focus on getting you out of personal (non-deductible) debt as quickly as possible. Crown Lending has Professional Indemnity Insurance in place with AON and is also a member of the Mortgage and Finance Association of Australia as well as being REGISTERED as an credit license holder with ASIC. The Executive Director and sole shareholder of Crown Lending is Scott Parry.
Crown specialises in getting their clients cash flow working for them - which results in them paying off their mortgage in up to half the time!

Over the past 8 years Crown has shown Australians how to get their incomes working for them
in the best way possible in order to reduce the term of their home loan.

Crown Lending has featured in publications such as Asset Magazine,
Money Management Magazine, Financial Review, Adelaide Advertiser,
West Australian and the Sunday Times.

Benefits to YOU the Client:

• Having a personal private bank manager who helps YOU with your cash flow
management every pay cycle.

• NO CREDIT CARD DEBTS. It is a CASH BASED SYSTEM - Utilising a VISA DEBIT facility.

• It reduces your impulse buys such as ad-hoc purchases on credit cards.

• It reduces your “bad” Debt or non-deductible Debt faster - Getting your income working
for you rather it just sitting in your cheque or savings account doing absolutely nothing for you!

• There is monthly contact with you, keeping you accountable and helping you with your self discipline - just like a FREE personal trainer but for your finances!

• Annual Reports are sent detailing your progress together with information about how
you are on track to achieving your #1 goal - paying off your home loan!

• No Monthly Fees = $0
• No Annual Package Fees = $0
• No Money Management Fees = $0

• Better cashflow

Crown Lending completes a very comprehensive individual spending plan analysis with each client. These figures are then utilised to assist us with our techniques to reduce your debt. You are also
educated and shown the powerful benefits of having the LOWEST TOTAL COST HOME LOAN on the market.

The key to Crown Lending’s success has been the regular monthly contact with EVERY one of our
clients. We help our clients track their progress by keeping them accountable via cash flow
reports created and distributed to them regularly. The report shows all the transactions that have been made, but more importantly the amount of savings they have achieved.

The funding line for Crown Lending comes from NAB, as they have their funds held on trust for them with Perpetual Trustees. With a major bank funding line, the pricing and flexibility is similar to that of a retail bank product but with the value added service offering of monthly contact and support with a real focus on getting you out of personal (non-deductible) debt as quickly as possible.

Crown Lending has Professional Indemnity Insurance in place with AON and is also a member of the
Mortgage and Finance Association of Australia as well as being REGISTERED as an credit license holder with ASIC.


]]> What we weren't taught at school .....MONEY... http://crownlending.com.au/b2/index.php?title=what_we_weren_t_taught_at_school_money&more=1&c=1&tb=1&pb=1 2010-02-23T12:45:30Z crownlen Announcements [A] Hi again! Remember when we talked about the problem with our education system is that it never thought about teaching us about the one thing that every single one of us is guaranteed to deal with each and every day of our lives ?? Money (Management & Budgeting)… Just like budgeting your time, you need to budget your money also. Ever since we were young, we have been taught the importance and value of money, either directly or indirectly. But never taught how to manage it – we simply just learned our money management habits off our parents… and guess where they learnt it from? Their Parents ! Having good money sense in terms of handling your finances well with a good financial plan will help you a lot in empowering your financial life. The Financial Web recently wrote, the first and most important step to effective financial planning is developing and implementing a spending plan. That, of course, sounds easy and even simplistic. But if it were so easy, do you think that so many millions of people would be as deeply in debt as they are? In its simplest form, budgeting simply means to live within one’s financial means. This is in sharp contrast to the prevailing lifestyle of “living beyond your means”. And how do you live beyond your means? Well if you have credit card debt then you have lived beyond your means…The tool, of course, is using credit cards. All your credit card debt says is “I’ve spent $x more than I’ve earned.” CHALLENGE #1 – DOCUMENT YOUR SPENDING PLAN As a bonus we have included your own spending plan to accurately track the flow of money in and out of your pockets. Just think about how much you earn per year and for how many years you’ve worked and you’ll be startled about how many dollars have flowed through your hands. Please goto www.crownlending.com.au/spending-Plan.htm to complete a new Spending Plan online – this will email it to me directly! If you need help, don’t hesitate to get in touch with our financial consultants at Scott@CrownLending.com.au We look forward to hearing how you go! Kind regards, Scott Parry CROWN LENDING - Founder 1300 882 981 Hi again!

Remember when we talked about the problem with our education system is that it never thought about teaching us about the one thing that every single one of us is guaranteed to deal with each and every day of our lives ??
Money (Management & Budgeting)…

Just like budgeting your time, you need to budget your money also. Ever since we were young, we have been taught the importance and value of money, either directly or indirectly. But never taught how to manage it – we simply just learned our money management habits off our parents… and guess where they learnt it from? Their Parents !

Having good money sense in terms of handling your finances well with a good financial plan will help you a lot in empowering your financial life.

The Financial Web recently wrote, the first and most important step to effective financial planning is developing and implementing a spending plan. That, of course, sounds easy and even simplistic. But if it were so easy, do you think that so many millions of people would be as deeply in debt as they are? In its simplest form, budgeting simply means to live within one’s financial means. This is in sharp contrast to the prevailing lifestyle of “living beyond your means”. And how do you live beyond your means? Well if you have credit card debt then you have lived beyond your means…The tool, of course, is using credit cards. All your credit card debt says is “I’ve spent $x more than I’ve earned.”

CHALLENGE #1 – DOCUMENT YOUR SPENDING PLAN

As a bonus we have included your own spending plan to accurately track the flow of money in and out of your pockets. Just think about how much you earn per year and for how many years you’ve worked and you’ll be startled about how many dollars have flowed through your hands.
Please goto www.crownlending.com.au/spending-Plan.htm to complete a new Spending Plan online – this will email it to me directly!

If you need help, don’t hesitate to get in touch with our financial consultants at Scott@CrownLending.com.au

We look forward to hearing how you go!

Kind regards,
Scott Parry
CROWN LENDING - Founder
1300 882 981


]]> Financial Freedom ... http://crownlending.com.au/b2/index.php?title=financial_freedom&more=1&c=1&tb=1&pb=1 2010-02-01T08:34:36Z crownlen News First of all, before you think I am going to drum into you the importance of having good financial disciplines, I want to let you know that not everyone needs financial disciplines to look after their money. If you look at some of the world’s richest people in history, most of them do not stick to a budget or a saving program, they don’t even care whether they maintain positive cash flow in their businesses or families all the time. Many of them are the typical gamblers to most of us, they bet big, win big and often lose big too. There is no fixed way to become wealthy, for every rule you can think of, there will be an exception to it. While I think majority of the people need to have some financial disciplines to ensure their financial future, this doesn’t mean you need to. I leave you to be the judge on that after you finish reading the following section. What is financial freedom? Many text books define financial freedom as the condition where a person’s passive income is greater than their chosen life style expenses. This implies that the person can not have any lifestyle he wants; otherwise his passive income may not be sufficient to cover its expenses. So in a sense, financial freedom is not free after all, it comes with a condition which has something to do with your lifestyle discipline. I have found that many people have been able to increase their income (passive or not) over the years, only to find themselves not being able to keep up with their ever increasing life style expenses. I thought I would go and find some examples of people who have an ever increasing income but manage to keep their life style expenses relatively low and manageable, and if I can find out why they can do so, maybe there is an answer for everyone. I found a guy named Warren Buffet ! His income seems to be doing better than most of us every year, but his lifestyle expenses seem to be under good control. He still lives in the same US$300k home, eats the same hamburgers and drinks the same coke, goes to the same hairdresser. I have gone through everything I can find on this guy, just couldn’t find his next lifestyle upgrade plan! He seems to fit my description for my test case perfectly. Last year, Bill Gates and Warren Buffet were invited to jointly speak to the MBA Students at Columbia University, where Warren Buffet disclosed his secret. His secret was: “Money means absolutely nothing to me!” This is just so unfair! Anyone with less money saying that, we could at least discard it as the sour grape syndrome, but it comes straight out of the mouth of the richest man in the world on national TV! Then Warren went on to explain why, he said that what keeps him happy is his work, the more money he has, the more he would just put them into his work. In my own interpretation, he doesn’t need money to make him happy, he doesn’t need his lifestyle to improve to make him happy either, and it is his work (i.e. contribution) that makes him happy. A New Definition of Financial Freedom I would love to redefine ‘financial freedom’, as I think the old definition has misled too many people. Financial Freedom to me is a state where a person is free from the fear of not having enough money. This state will have the following ingredients: • A person is in Outflow Mode. o An Outflow person is less likely to worry about losing their income from their job or business, because they know they are always wanted for their continual contribution. o An Outflow person is less likely to need bigger lifestyle expenses to make them happy; they are more likely to keep their expenses under their income. • The discipline to stick to a sound retirement plan.A good retirement plan can set you free from the ultimate fear of lack of money when you stop working. Can you see that this new definition of ‘Financial Freedom’ has really only two focuses: outflow and discipline? If a person has no fear of not having enough money while they are working and during retirement, then this person technically has no fear about not having enough money. He is then Financially Free. The advantage of this definition of Financial Freedom is that an average person with an average income capacity or asset base can move towards it rather quickly as long as they focus on ‘outflow’ and ‘discipline’, they can get to enjoy what they do rather than doing something largely dictated by the lack of money. B.Zheng If you would like to be shown how you too can achieve Financial Freedom , give me a call on 1300 882 981! Regards Scott Parry First of all, before you think I am going to drum into you the importance of having good financial disciplines, I want to let you know that not everyone needs financial disciplines to look after their money.

If you look at some of the world’s richest people in history, most of them do not stick to a budget or a saving program, they don’t even care whether they maintain positive cash flow in their businesses or families all the time. Many of them are the typical gamblers to most of us, they bet big, win big and often lose big too.

There is no fixed way to become wealthy, for every rule you can think of, there will be an exception to it. While I think majority of the people need to have some financial disciplines to ensure their financial future, this doesn’t mean you need to. I leave you to be the judge on that after you finish reading the following section.

What is financial freedom?

Many text books define financial freedom as the condition where a person’s passive income is greater than their chosen life style expenses. This implies that the person can not have any lifestyle he wants; otherwise his passive income may not be sufficient to cover its expenses. So in a sense, financial freedom is not free after all, it comes with a condition which has something to do with your lifestyle discipline.

I have found that many people have been able to increase their income (passive or not) over the years, only to find themselves not being able to keep up with their ever increasing life style expenses.

I thought I would go and find some examples of people who have an ever increasing income but manage to keep their life style expenses relatively low and manageable, and if I can find out why they can do so, maybe there is an answer for everyone.

I found a guy named Warren Buffet ! His income seems to be doing better than most of us every year, but his lifestyle expenses seem to be under good control. He still lives in the same US$300k home, eats the same hamburgers and drinks the same coke, goes to the same hairdresser. I have gone through everything I can find on this guy, just couldn’t find his next lifestyle upgrade plan! He seems to fit my description for my test case perfectly.

Last year, Bill Gates and Warren Buffet were invited to jointly speak to the MBA Students at Columbia University, where Warren Buffet disclosed his secret. His secret was:
“Money means absolutely nothing to me!”

This is just so unfair! Anyone with less money saying that, we could at least discard it as the sour grape syndrome, but it comes straight out of the mouth of the richest man in the world on national TV! Then Warren went on to explain why, he said that what keeps him happy is his work, the more money he has, the more he would just put them into his work.
In my own interpretation, he doesn’t need money to make him happy, he doesn’t need his lifestyle to improve to make him happy either, and it is his work (i.e. contribution) that makes him happy.

A New Definition of Financial Freedom
I would love to redefine ‘financial freedom’, as I think the old definition has misled too many people. Financial Freedom to me is a state where a person is free from the fear of not having enough money. This state will have the following ingredients:
• A person is in Outflow Mode.
o An Outflow person is less likely to worry about losing their income from their job or business, because they know they are always wanted for their continual contribution.
o An Outflow person is less likely to need bigger lifestyle expenses to make them happy; they are more likely to keep their expenses under their income.
• The discipline to stick to a sound retirement plan.A good retirement plan can set you free from the ultimate fear of lack of money when you stop working.
Can you see that this new definition of ‘Financial Freedom’ has really only two focuses: outflow and discipline?

If a person has no fear of not having enough money while they are working and during retirement, then this person technically has no fear about not having enough money. He is then Financially Free. The advantage of this definition of Financial Freedom is that an average person with an average income capacity or asset base can move towards it rather quickly as long as they focus on ‘outflow’ and ‘discipline’, they can get to enjoy what they do rather than doing something largely dictated by the lack of money. B.Zheng

If you would like to be shown how you too can achieve Financial Freedom , give me a call on 1300 882 981!

Regards
Scott Parry


]]> Get Debt Free Quicker http://crownlending.com.au/b2/index.php?title=get_debt_free_quicker&more=1&c=1&tb=1&pb=1 2009-10-12T06:50:28Z crownlen General Just briefly, Crown will teach you how to get ahead of the rat race, beat the banks at their own game and have your money working in your favour with a FREE Cash Flow Management Program that is exclusively designed to Pay Your Home Loan Off Faster and get you Debt Free Quicker! Crown specialises in showing you how to get your income working for YOU rather than the banks. The Money Management that we provide for FREE gets you Debt Free Faster and allows you to start investing the equity that you are creating each month on the program. They help you manage your Cash Flow every month in a way which ensures that you Pay Your Home Loan Off in Half the Time! In essence the Crown Money Management system looks at your whole financial picture and shows you how it may look in the future. More importantly it explores methods of structuring your finances to maximise cash flow for elimination of debt and/or further investment. This could be of value to you if you are wanting to Pay Off Your Home Loan Faster or want to start using your equity to enhance your investment strategy. Call Scott Parry today on 1300 882 981 to see how quickly you can become Debt Free! Just briefly, Crown will teach you how to get ahead of the rat race, beat the banks at their own game and have your money working in your favour with a FREE Cash Flow Management Program that is exclusively designed to Pay Your Home Loan Off Faster and get you Debt Free Quicker!

Crown specialises in showing you how to get your income working for YOU rather than the banks.
The Money Management that we provide for FREE gets you Debt Free Faster and allows you to start investing the equity that you are creating each month on the program.
They help you manage your Cash Flow every month in a way which ensures that you Pay Your Home Loan Off in Half the Time!

In essence the Crown Money Management system looks at your whole financial picture and shows you how it may look in the future.
More importantly it explores methods of structuring your finances to maximise cash flow for elimination of debt and/or further investment.

This could be of value to you if you are wanting to Pay Off Your Home Loan Faster or want to start using your equity to enhance your investment strategy.

Call Scott Parry today on 1300 882 981 to see how quickly you can become Debt Free!


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