OPTOMETRY

Do I need to use a mouthwash?

A.Most patients with a healthy mouth and good general health (low risk of decay, no active gum disease, no salivary gland issues, or underlying health issues) mouthwash is probably unnecessary. If used straight after brushing with fluoride toothpaste, will wash away the fluoride prematurely, which is counterproductive. There are, however, specific situations when mouthwashes can be hugely beneficial to some patients. We always recommend choosing alcohol free mouthwashes as alcohol has a drying effect on the teeth and has been linked to increased oral cancer risk. Check with your local dentist whether you and your family may benefit from using a mouthwash and the best way to implement it into your oral hygiene routine.

TREAT DENTAL Bacchus Marsh hello@treatdental.com.au • ph. 5323 0660

Shop 33, 160 - 190 Main Street, Bacchus Marsh, VIC 3340

A.

No.

Q.Is it true that wearing prescription glasses makes your vision worse?

Wearing glasses has no affect on your prescription. Your eyes might change, therefore changing the prescription over time, but there is no correlation between wearing glasses and decreased vision. However, wearing glasses does improve your vision and due to that you will want to wear your glasses more. It’s true that you may find yourself needing stronger prescriptions, but this isn’t a result of wearing glasses. Our vision deteriorates as we get older, and chances are, you will need to upgrade your prescription from time to time.

Darryl Wilson Optometrist by George & Matilda Eyecare bacchusmarsh@georgeandmatilda.com.au ph. (03) 5367 4944 • 21 Grant Street Bacchus Marsh

CONVEYANCING Q.

A.

Who is responsible for the payment of the rates?

The vendor (seller) is obliged to pay the rates on the property up until the date of settlement.

To adjust rates as to the date of settlement, any amount outstanding for rates is deducted from money paid to the vendor.

The purchaser then makes an allowance to the vendor for their share of the rates from the settlement date to the end of the rating period with payment made to the rating authority for any amount outstanding during settlement.

CASA CONVEYANCING

Contact JASMINE VAGHERA today: info@casaconveyancing.com.au

Ph. 5303 0252 • 105 Main Street, Bacchus Marsh

Legal

Q.

Who is responsible for arranging a funeral where there is a Will?

An Executor has the responsibility to arrange for a funeral when a person passes away unless the deceased has already made those arrangements themselves. A Will might specify the deceased’s wishes for the funeral, such as burial or cremation, and the Executor should follow their wishes however is not legally obligated to do so. The funeral director should liaise with the Executor to obtain instructions to arrange the funeral, however, the Executor should also discuss any arrangements with family members. If the deceased did not have a Will, these decisions will likely fall to the next-of-kin.

A.

GRAINGER LEGAL Contact JASMYNE CADMAN today: info@graingerlegal.com.au • ph. 5303 0250 105 Main Street, Bacchus Marsh, VIC 3340

FINANCE Q.

What are lenders looking for in my bank statements?

There are several reasons why a lender may want to take a look at your bank statements.

1. To ensure you have enough money to complete the purchase transaction

2. Are there any credit commitments that are not showing up on your credit file, such as maintenance repayments?

3. Matching your salary payment from your payslip with the money received in your bank account

4. Reviewing your expenditure, are you spending all of your money received each month, or are you putting some away?

The lenders will use this information to assess the risk of your application and ensure that the loan is affordable to you. Contact

Real Estate

Q.

What Types of O er are there?

A.

Conditional offers: This offer is dependent on certain conditions you negotiate with the seller, such as ‘subject to finance’ or ‘subject to building and/or Pest inspection’. This offer generally gives you between 7 and 14 days to complete any conditions that have been set and the sale won’t be complete until you do. Unconditional offers: The vendor may be unwilling to accept conditional offers, as they will effectively be taking the property off the market until the conditions are met. This will mean that they may miss out on additional enquiries. Some vendors only choose to accept unconditional offers. This means your offer has to be submitted without any conditions in order to secure the sale. This can be a good option if you’ve got your finances in order and don’t see the need for building/pest inspections.

ARBEE REAL ESTATE

Contact Steeve Creese today: steve.creese@arbeerealestate.com.au 0475 888 101 • 140 Main Street, Bacchus Marsh