Welcome... Well - that’s another financial year done and

dusted!

So we thought it would be good to give you a few

ideas to make the new financial year the best it

can possibly be!

The 2015 Federal Budget has landed and

you’re probably already working out what it

means for you! We take a look at the

significant changes how you may benefit.

We introduce a tool that can help manage

your finances and spending habits, allowing

you to set goals and create a personalised

budget, easy and efficiently! It’s a perfect way

to make sure you keep on track.

Ins ide th is

i ssue:

Welcome 1

Federal Budget 1

Winter Warmer 1

MoneyBrilliant 2

Joke 2

Fast Facelift 2

34 Normanby St 3

Competition 4

Some fast facelifts you can use on your home

or investment property to add value.

Our latest competition (check out the back

page for details and how to enter!)

And of course a delicious winter warmer

recipe that’s super simple and super yummy!

We hope that the rest of 2015 treats you well and

the new financial year brings you endless

opportunities, happiness and

success!

Happy Reading...

Shane

“Financial Solutions to meet all your needs” J U N E 2 0 1 5

Winter Warmer: Nutella Mug Cake

Ingredients

4 tablespoons self rising flour

4 tablespoons white sugar

1 egg

3 tablespoons cocoa powder

Method

1. Combine all ingredients in a large coffee mug. Whisk well with a fork

until smooth.

2. Microwave on high for 1 1/2 – 3 minutes. (Depending on the wattage

of your microwave, you may have to increase cooking time.)

3. Top with whipped cream and chocolate syrup (or maybe some extra

Nutella! )

4. Enjoy!

The 2015 Budget Peeled back !

There’s been so much written about the Federal Budget, but

what does it mean for you? Some significant changes were

outlined that will impact families, retirees and business owners

– check out the Budget Summary

Some more great news is that negative gearing was

untouched in this budget. If you’d like to talk about an

investment home loan, or any other changes in the budget -

in particular how you can get finance for any planned

purchases, then give us a call (07) 4939 8882.

Check out our Facebook page for further information in relation to

the federal budget and other articles that can assist you this financial

year

3 tablespoons Nutella

3 tablespoons milk

3 tablespoons olive or vegetable oil

Don’t be smart with your money… Be Brilliant.

(07) 4939 8882

Joke

Are you struggling to pay bills on time, save the money for that trip overseas you’ve been dreaming

about for years or reduce your financial debts? Are you wanting to change that all around this financial

year? - then this new tool might be the answer to your financial woes!

We would like to introduce to you a wonderful resource that can help

you manage your spending habits, both from a household point of view

and a business point of view. It’s called ‘Money Brilliant’ - It’s free to join,

and has just gone Mobile.

MoneyBrilliant is an exciting and innovative way to simplify all your

finances in one easy place, giving you a 360 view of your money. That

means, all your bank accounts, credit cards, loans, reward points and

even superannuation and investments, in one easy-to-access online

hub. It allows you to organise your money and set goals and budgets.

If you’re looking to get on top of your spending habits and take control

of your debts and savings this new financial year, than this tool is a must!

Check it out here => MoneyBrilliant

The madam opened the brothel door in Glasgow and saw a rather dignified, well-dressed, good-looking man

in his late forties or early fifties.

"May I help you sir?" she asked.

"I want to see Valerie," the man replied.

"Sir, Valerie is one of our most expensive ladies. Perhaps you would prefer someone else", said the madam.

"No, I must see Valerie," he replied.

Just then, Valerie appeared and announced to the man she charged £5000 a visit. Without hesitation, the man

pulled out five thousand pounds and gave it to Valerie, and they went upstairs. After an hour, the man calmly

left.

The next night, the man appeared again, once more demanding to see Valerie.

Valerie explained that no one had ever come back two nights in a row, as she was so expensive. There were no

discounts. The price was still £5000.

Again, the man pulled out the money, gave it to Valerie, and they went upstairs. After an hour, he left.

The following night the man was there yet again. Everyone was astounded that he had come for a third con-

secutive night, but he paid Valerie and they went upstairs.

After their session, Valerie said to the man, "No one has ever been with me three nights in a row. Where are you

from?"

The man replied, " Edinburgh .."

"Really", she said. "I have family in Edinburgh .."

"I know." the man said. "Your sister died, and I'm her solicitor. I was instructed to deliver your £15,000 inheritance

in person ................"

The moral of the story is that three things in life are certain ..................

1. Death

2. Taxes

3. Being screwed by a lawyer

(07) 4939 8882 Six ways to add value to your property

34 Normanby Progress Report

Whether you’re looking to sell or upgrade, there are a few sure-fire ways to add value to your property

with some clever cosmetics. Here are our best tips:

It will be move time for us again in a few

weeks as the works on 34 Normanby St are

nearly complete!! Thanks to cyclone

Marcia we have had to completely

renovate our office inside and out.

If you are in Yeppoon please drop in and

check it out yourself! Keep an eye on our

Facebook page and your email for up-

dates on the move back.

Before Current

A fresh lick of paint

One of the quickest and easiest ways to give your

home a new look and coordinated interior or exterior is

a fresh coat of paint. Painting can be relatively

inexpensive, whether you decide to do it yourself or

hire professionals.

Update your fittings

One of the first things buyers tend to look at are the

doors and cupboards, lights, locks, curtains and blinds.

Make sure these fittings are all functional, and consider

upgrading any old or mismatched fittings.

Buff your bathroom

Everyone likes a sparkling bathroom, so pay close

attention to cracked tiles, worn or mouldy seals and

leaking taps. Like kitchens, bathrooms should also be

stylish, modern and functional. Replacing broken towel

racks or dripping shower heads can make a big

difference, while new mirrors and lighting can be a

great finishing touch to make your bathroom feel more

spacious.

Kitchen refresh

Redoing an entire kitchen can be expensive but the

kitchen is one of the most important rooms in a home.

Many buyers prefer an open-style kitchen, so if you

have a traditional closed-room kitchen you may want

to consider removing a wall. If you’re not looking to

make structural changes, you can replace benchtops,

sinks or even cupboard fittings as a quick inexpensive

way to spruce up your kitchen.

Add a bedroom

The three major factors that drive a property’s price

are the location, land size and number of bedrooms.

While you may not be able to change the first two,

adding a bedroom can make a significant change in

the value of your property. Make sure you speak with

an architect or draftsman for this sort of renovation and

don’t forget you’ll need council approval for your

plans.

The great outdoors

Whether you want to get rid of the pool and build a

granny flat, or you simply want to turn a small balcony

area into an outdoor entertaining area with a

barbecue and herb garden, there are endless

possibilities for your extra outdoor space.

Before you start any renovations, think about your

budget. Speak to us to understand your financing

options and needs. We’re passionate about helping

you realise more value through your property.

Give us a call today for more resources and insights

(07) 4939 8882

CLICK HERE TO ENTER

Centrepoint Finance Yeppoon

34 Normanby Street, YEPPOON, Q 4703

PO BOX 2290, YEPPOON, Q 4703

Phone: (07) 4939 8882

Fax: (07) 4939 8885

E-Mail: teamypn@cpf.com.au

ABN 71 098 663 846

ASIC License No. 389397

Product Offering:

Home Loans Chattel Mortgage Debtor Finance

Investment Loans Finance Lease Deposit Bonds

Land Loans Novated Lease Commercial Solar

Rural Loans Sale & Lease/Hire Back Premium Funding:

Business Loans Operating Lease - Insurance

Commercial Loans Hire Purchase - Registrations

Consumer Loans Rental - Public Liability

DISCLAIMER: This newsletter has been prepared by The Centrepoint Finance Yeppoon Team. Every effort has been made to ensure the contents are

accurate at the time of publication. Shane Nipperess/Centrepoint Finance Yeppoon take no responsibility for any subsequent action that may arise

from the use of this newsletter.

CALL US FOR ALL YOUR PERSONAL & BUSINESS FINANCE NEEDS

Package details:

Flights for two people to Vancouver

International Airport (Canada) and

return from Anchorage International

Airport (Alaska USA) via Los Angeles

International Airport (USA)

1 night staying at Sandman Hotel

Vancouver

7 night Alaska Cruise (Inside Passage)

staying in outside Oceanview room

1 night staying at Sheraton Four Points

Hotel LA Airport Los Angeles

Package Details:

How to get additional entries

Do you know anyone who would love to win a spectacular Alaskan Cruise? Encourage them to enter and you

will receive an additional entry!

Contact us for a review of your finances & and receive 1 entry!

Contact us for a review of your risk insurances, superannuation or financial planning needs & receive 1 entry!

Refinance/settle a new loan yourself or do any type of business with us & receive 3 entries!

By the way, please feel comfortable about entering this amazing competition because we respect your privacy, and

promise to keep your details safe. We just want to give you the opportunity to win a fantastic holiday!

This competition commences at 9am AEST on Monday 1 June 2015 and closes at 5pm AEDT on Wednesday 28 October 2015. The winner will be drawn at 12 noon AEDT on Friday 30th

October 2015. Authorised under NSW Permit Number LTPS/15/02569; Permit No ACT TP 15/05384; VIC Permit No: 15/756; SA Licence No: T15/575. Please contact the office if you

would like a copy of the terms and conditions of this competition.