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<title>Raymond Gray's Articles</title>
<link>http://www.financealley.com</link>
<description></description>
<language>en-us</language>
<webMaster>editorial@financealley.com</webMaster>
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<title>A good mortgage broker may soon be hard to find!</title>
<description>What is happening in the mortgage broker space in the Australian finance market? With the global credit crisis continuing, the face of the home finance sector of the market is changing. Until recently Australians enjoyed sound competition between the bank...</description>
<link>http://www.financealley.com/article_721629_19.html</link>
<pubDate>15th December 2008</pubDate>
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<title>Car Finance under threat in Australia but there is still good car finance available.</title>
<description>Car dealers and lease brokers are anxious as a result of GE Money’s withdrawal from the Australian car finance market. Only in September GE Money was reassuring business partners that it was “here for the long term” was “funded for 2008”
and ha...</description>
<link>http://www.financealley.com/article_721625_19.html</link>
<pubDate>15th December 2008</pubDate>
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<title>Home finance – yes it is still available in Australia and at good rates</title>
<description>If you are in the market for home finance then the best bet is to speak with a mortgage broker who will have access to a wide range of home finance product and will be in a position to recommend the right home finance for you. Once an experienced mortgage...</description>
<link>http://www.financealley.com/article_721624_19.html</link>
<pubDate>15th December 2008</pubDate>
</item>
<item>
<title>A good mortgage broker may soon be hard to find!</title>
<description>What is happening in the mortgage broker space in the Australian finance market? With the global credit crisis continuing, the face of the home finance sector of the market is changing. Until recently Australians enjoyed sound competition between the bank...</description>
<link>http://www.financealley.com/article_721623_19.html</link>
<pubDate>15th December 2008</pubDate>
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<title>Best investment loan structure for those investors who also have personal debt.</title>
<description>Most investors in Australia have a home loan. Most investors use the equity in their home property to help them on the road to wealth with their first investment property or share acquisition. In the past most investment loans were standard long term faci...</description>
<link>http://www.financealley.com/article_719485_19.html</link>
<pubDate>15th December 2008</pubDate>
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<title>A good time to be a first home buyer</title>
<description>If you are a first home buyer, who would have thought that some poor judgement or unscrupulous lending or both in the almighty USA would lead to a windfall for you as you plan your first home purchase here in Australia. As a potential first home buyer you...</description>
<link>http://www.financealley.com/article_719482_19.html</link>
<pubDate>15th December 2008</pubDate>
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<title>A good time to consider debt consolidation.</title>
<description>I was sitting watching the TV this week when a ad came on promoting a leading bank’s new credit card offering. It looked very attractive in that it offered a rate of less than 3% p.a. on your existing credit card balance when transferred through debt co...</description>
<link>http://www.financealley.com/article_719481_19.html</link>
<pubDate>15th December 2008</pubDate>
</item>
<item>
<title>Best investment loan structure for those investors who also have personal debt.</title>
<description>Most investors in Australia have a home loan. Most investors use the equity in their home property to help them on the road to wealth with their first investment property or share acquisition. In the past most investment loans were standard long term faci...</description>
<link>http://www.financealley.com/article_719480_19.html</link>
<pubDate>15th December 2008</pubDate>
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<title>The best investment loan will always include an interest only period as well as a capitalising line </title>
<description>AS a general rule most property investors have already purchased a home over which they still have a home loan. This loan is on a principal and interest basis and most cif not all financial planners will advise you to pay of your home loan as quickly as p...</description>
<link>http://www.financealley.com/article_719479_19.html</link>
<pubDate>15th December 2008</pubDate>
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<title>This investment loan covers all the bases and is looking better as interest rates drop in Australia</title>
<description>For the first time in a long time we have seen the RBA drop interest rates and the investor who has been subsidising the shortfall of interest on his or her investment loan and has been seeing negative returns on residential property for a long time is fe...</description>
<link>http://www.financealley.com/article_719478_19.html</link>
<pubDate>15th December 2008</pubDate>
</item>
<item>
<title>A good time to be a first home buyer</title>
<description>If you are a first home buyer, who would have thought that some poor judgement or unscrupulous lending or both in the almighty USA would lead to a windfall for you as you plan your first home purchase here in Australia. As a potential first home buyer you...</description>
<link>http://www.financealley.com/article_719477_19.html</link>
<pubDate>15th December 2008</pubDate>
</item>
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<title>A good time to consider debt consolidation.</title>
<description>I was sitting watching the TV this week when a ad came on promoting a leading bank’s new credit card offering. It looked very attractive in that it offered a rate of less than 3% p.a. on your existing credit card balance when transferred through debt co...</description>
<link>http://www.financealley.com/article_719476_19.html</link>
<pubDate>15th December 2008</pubDate>
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<title>Do not under estimate the importance of structure when negotiating your investment loan.</title>
<description>Many investors when they are considering the purchase of an investment property fail to ensure that the structure of any investment loan that they enter is correct, particularly for tax purposes. Borrowers simply approach their existing lender and ask for...</description>
<link>http://www.financealley.com/article_710974_19.html</link>
<pubDate>03rd December 2008</pubDate>
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<title>The emergence of the mortgage broker in the Australian mortgage industry?</title>
<description>During the 1990s there was huge growth in the number of mortgage brokers providing services to borrowers looking to purchase, refinance or endeavouring debt consolidation. This came about because of a number of factors prior to this time
1. the choice of...</description>
<link>http://www.financealley.com/article_710972_19.html</link>
<pubDate>03rd December 2008</pubDate>
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<item>
<title>Do not under estimate the importance of structure when negotiating your investment loan.</title>
<description>Many investors when they are considering the purchase of an investment property fail to ensure that the structure of any investment loan that they enter is correct, particularly for tax purposes. Borrowers simply approach their existing lender and ask for...</description>
<link>http://www.financealley.com/article_710969_19.html</link>
<pubDate>03rd December 2008</pubDate>
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<title>Debt consolidation – a good or bad move?</title>
<description>Many people today are having difficulty meeting their loan commitments and as a result look to debt consolidation as a means to reduce their monthly outgoings. The normal process for debt consolidation is to wrap up your credit card debt, any personal loa...</description>
<link>http://www.financealley.com/article_710968_19.html</link>
<pubDate>03rd December 2008</pubDate>
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<item>
<title>The emergence of the mortgage broker in the Australian mortgage industry?</title>
<description>During the 1990s there was huge growth in the number of mortgage brokers providing services to borrowers looking to purchase, refinance or endeavouring debt consolidation. This came about because of a number of factors prior to this time
1. the choice of...</description>
<link>http://www.financealley.com/article_710967_19.html</link>
<pubDate>03rd December 2008</pubDate>
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<title>Car finance in Australia – don’t go with the dealership until you have checked out other car fin</title>
<description>The mistake many buyers make when they are looking to purchase a new car is to settle their car finance with the dealership. Certainly there may be times that the car finance offered by the dealer is competitive but as a general rule you will find a bette...</description>
<link>http://www.financealley.com/article_710965_19.html</link>
<pubDate>03rd December 2008</pubDate>
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<title>Car finance in Australia – don’t go with the dealership until you have checked out other car fin</title>
<description>The mistake many buyers make when they are looking to purchase a new car is to settle their car finance with the dealership. Certainly there may be times that the car finance offered by the dealer is competitive but as a general rule you will find a bette...</description>
<link>http://www.financealley.com/article_689102_19.html</link>
<pubDate>18th November 2008</pubDate>
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<title>Car finance in Australia – don’t go with the dealership until you have checked out other car fin</title>
<description>The mistake many buyers make when they are looking to purchase a new car is to settle their car finance with the dealership. Certainly there may be times that the car finance offered by the dealer is competitive but as a general rule you will find a bette...</description>
<link>http://www.financealley.com/article_689096_19.html</link>
<pubDate>18th November 2008</pubDate>
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<title>Executive Coaching: Holding the Space</title>
<description>One of the many challenges for the executive coaching professional is having the skills to navigate a conversation when it potentially could trigger the client to react in a defensive or aggressive manner. Only the courageous executive coaching practition...</description>
<link>http://www.financealley.com/article_678336_15.html</link>
<pubDate>30th October 2008</pubDate>
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<title>Executive Coaching: Holding the Space</title>
<description>One of the many challenges for the executive coaching professional is having the skills to navigate a conversation when it potentially could trigger the client to react in a defensive or aggressive manner. Only the courageous executive coaching practition...</description>
<link>http://www.financealley.com/article_678333_15.html</link>
<pubDate>30th October 2008</pubDate>
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<title>Executive Coaching - the Importance of Being in Flow</title>
<description>This discussion focuses on the concept of flow and its role in the executive coaching process. This concept albeit an ancient one, is unused in most executive coaching programs primarily because its application is not fully understood. This article identi...</description>
<link>http://www.financealley.com/article_677297_15.html</link>
<pubDate>29th October 2008</pubDate>
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<item>
<title>Executive Coaching - the Importance of Being in Flow</title>
<description>This discussion focuses on the concept of flow and its role in the executive coaching process. This concept albeit an ancient one, is unused in most executive coaching programs primarily because its application is not fully understood. This article identi...</description>
<link>http://www.financealley.com/article_677296_15.html</link>
<pubDate>29th October 2008</pubDate>
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<title>New real estate online marketing platform revolutionizes internet property search</title>
<description>There’s no question that real estate marketing has definitely shifted ground. In years past, the primary choice for selling property was overwhelmingly traditional advertising. Online advertising, however, has supplanted the printed media in a big way. ...</description>
<link>http://www.financealley.com/article_663270_33.html</link>
<pubDate>13th October 2008</pubDate>
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<title>Saving money at the Gas pumps by using water powered cars.</title>
<description>Ever since the world has stepped into 21st century, our quality of living has improved significantly and this led to an energy hungry world with high requirement of energy resources and oil, often dubbed as the 'liquid gold' has been the most significant ...</description>
<link>http://www.financealley.com/article_657361_15.html</link>
<pubDate>06th October 2008</pubDate>
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<title>Water Powered Car- Not just a Dream but a Dream Realized</title>
<description>The rapid globalization and rapid rate of development have led to higher standards of living and this in turn has led to a massive growth in energy requirements and oil usage. Oil has been the most important source for meeting the growing energy requireme...</description>
<link>http://www.financealley.com/article_657354_15.html</link>
<pubDate>06th October 2008</pubDate>
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<title>Making money with the water powered cars</title>
<description>Ever since the world has stepped into 21st century, our quality of living has improved significantly and this led to an energy hungry world with high requirement of energy resources and oil, often dubbed as the 'liquid gold' has been the most significant ...</description>
<link>http://www.financealley.com/article_657349_15.html</link>
<pubDate>06th October 2008</pubDate>
</item>
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<title>Making money with the water powered cars</title>
<description>The rapid globalization and rapid rate of development has led to higher quality of living and this led to a massive spurt in energy requirements and oil, often dubbed as 'liquid gold' has been the most important source for meeting the growing energy requi...</description>
<link>http://www.financealley.com/article_657348_15.html</link>
<pubDate>06th October 2008</pubDate>
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<title>Water powered Cars have low cost parts</title>
<description>Globalization has helped improve the standards of living but at the same time it has also brought with it a tremendous thirst for energy, and oil has emerged as the most dominant source of energy. Would you like to know why? Rapidly improving living stand...</description>
<link>http://www.financealley.com/article_657347_15.html</link>
<pubDate>06th October 2008</pubDate>
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<title>Water Powered Car- Not just a Dream but a Dream Realized</title>
<description>The rapid globalization and rapid rate of development have led to higher standards of living and this in turn has led to a massive growth in energy requirements and oil usage. Oil has been the most important source for meeting the growing energy requireme...</description>
<link>http://www.financealley.com/article_657346_15.html</link>
<pubDate>06th October 2008</pubDate>
</item>
<item>
<title>Water Powered Car- Not just a Dream but a Dream Realized</title>
<description>The rapid globalization and rapid rate of development have led to higher standards of living and this in turn has led to a massive growth in energy requirements and oil usage. Oil has been the most important source for meeting the gro...</description>
<link>http://www.financealley.com/article_635546_15.html</link>
<pubDate>11th September 2008</pubDate>
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