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with Marilyn Brayshaw


You don’t need to find your new home before you apply for a loan. In fact, getting preapproval before you find your home delivers a number of excellent benefits. Some of these benefits include: • You’ll know your borrowing capacity (based on a real credit assessment). • You’ll know what the repayments look like, your deposit requirements and the costs involved. • You’ll know the Lenders Terms & Conditions upfront. • You’ll have a much better idea about what properties to look at and within what price range (rather than wasting time looking in unrealistic price ranges). • You’ll be much better placed to meet finance clause timeframes. • Most pre-approvals will last between three and six months (providing your circumstances don’t change). When you attain a pre-approved loan, there are fewer chances of experiencing hiccups with the buying/selling process. And knowing you can move quickly to take the property off the market may even give you better negotiating powers.

Ph: 0414 789 665 Web: mooloolaba/ Astute Financial Management Pty Ltd ABN 59 093 587 010 Australian Credit Licence Number 364 253


with Maria Faulder


With the new season now here, it’s an obvious chance for me to share with you news about the Pro Fiber range from L’oreal Professionnel. This treatment and haircare range is a real game changer; it’s an in-salon treatment that will literally roll back any effects of over processed or coloured hair, and reverse the signs of damage, dehydration or weakness. Aptyl 100 is the patented hero in this range, seeking out imperfections and transforming your hair into optimal condition. It all begins with the in-salon treatment, a quick application that only takes FIVE minutes and has a price tag of only $50. This instantly leaves hair feeling smooth and slim, while also giving it a superb shine. Stocking up at home with a Pro Fiber shampoo conditioner and a pack of Recharge phials will sustain the delivered benefits for up to six weeks. And there’s great news for the guys, too — American Crew’s 3 in 1 shampoo, conditioner and shower gel is now available in a Tea Tree fragrance, which is fresh and cool. Come and try it in the salon! Speaking of fragrance, have you tried the American Crew fragrance, Nine? It’s called Nine because 9 out of 10 women love it — and guess what? It’s only $50! Maria Faulder Facebook: Suite Three Hair Ph: 5445 6700 Website:


with Shoebox Bookkeeping


Cloud Accounting software has become mainstream, but some business owners are still resisting this turn of the tide. So, what are the advantages of getting your Head in the Cloud? • Your software is always up-to-date with the newest version taking into account the latest tax changes and software upgrades. • Remote accessibility gives you and your staff access to your accounts anywhere, anytime, which is particularly helpful for those who are more mobile in their business, or who want real-time information, feedback or advice. • Achieving an increase in workflow efficiency through data integration — the software uses bank feeds and receipt capturing to automatically bring your bank transactions into your accounting system, saving time and stress. • Digital filing of receipts, invoices and reports means you can create that paperless office you’ve so desperately wanted. • Constant on-line backups will make the worry of manual backups obsolete so you never lose data again. • With monthly subscriptions for as little as $1 per month (guaranteed for life), some cloud accounting software providers are serious about saving you money. Give us a call to discuss how to get your business in the Cloud and take advantage of the latest Cloud Accounting technology.

Ph: 0475 417 271 Web:

Matters Magazine Autumn Issue  

We include some great articles on Sunshine Coast Changemakers, and give you some ideas for embracing change and being the change within your...

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