My new favorite shirt

Snakey had to be altered to fit on the baking stone. (Husband bestowed the nickname, not surprisingly.)

French bread

Hudson, Ohio, USA, October 2009.

I just really like this jar.

Corn bread

Hudson, Ohio, USA, July 2009.

Corn bread

Hudson, Ohio, USA, March 2009.

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2009: Jason and Monique's First Home (on military base)

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Some family gathering / party photos by Aunt Gretchen

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I spy Jet's sleepy eye.

Hudson, Ohio, USA, June 2008.

Truck-stop cinnamon rolls

Hudson, Ohio, USA, April 2008.

...but I really like this photo, blur and all.

Hudson, Ohio, USA, October 2007.

Debt recycling strategy

Debt recycling is an efficient means for improving the performance of your personal finances beyond traditional debt reduction strategies, which focus solely on reducing existing debt without looking at investment strategies.

Debt recycling is a three-tiered financial strategy that aims to…

●Reduce your home loan

●Minimise interest and tax payable

●Generate future wealth

And this can often be achieved without drastic changes to current lifestyle or spending habits.

How debt recycling works

Most banks are prepared to lend up to 80% of the value of your home – for a home worth $580,000 (for example) the bank may lend $464,000, subtract the mortgage of $322,000 and you are left with $142,000 of available equity.

The available equity in your property is used as security for an investment-purpose loan; the borrowed money is used to invest in income-producing assets such as managed funds, an investment property or shares

The income generated from your income-producing assets, plus any tax savings that result from a geared investment, is used to pay off non-deductible (bad) debt in your home loan.

Offset accounts

The example provided above is debt recycling in its purest form, depending on your personal financial situation and goals there are options available that may deliver results better suited to your requirements, these include…

●Depositing all savings and paying all income into an offset account, this will reduce the home loan interest payable.

●Deposit rental income from the investment properties being bought into the offset

account will reduce the home loan interest payable

●Contributing surplus cash flow to the home loan will reduce the home loan

interest payable and increase the available equity enabling more of the bad debt to be transferred into good debt and investments.

●Having your home revalued every 2 – 3 years can free up more available equity enabling more investments to be acquired through tax-deductible borrowing.

●If your priority is investment growth, investment income can be reinvested instead of paying down bad debt to compound investment growth

Reachout to www.dealsmortgage.com.au for more information

we are one of the leading mortgage broker in bentleigh east, providing services all over Australia.

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2009: Jason and Monique's First Home (on military base)

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Some family gathering / party photos by Aunt Gretchen

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Laughing at something

View into the kitchen from the basement.

I'm just saying.

Baja-style chicken tacos

Hudson, Ohio, USA, June 2009.

Truck-stop cinnamon rolls

Hudson, Ohio, USA, April 2008.

Hudson, Ohio, USA, January 2010.

That shed's days are numbered.

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2009: Jason and Monique's First Home (on military base)

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Some family gathering / party photos by Aunt Gretchen

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2009: Jason and Monique's First Home (on military base)

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Some family gathering / party photos by Aunt Gretchen

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2009: Jason and Monique's First Home (on military base)

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Some family gathering / party photos by Aunt Gretchen

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2009: Jason and Monique's First Home (on military base)

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Some family gathering / party photos by Aunt Gretchen

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In the front yard.

Hudson, Ohio, USA, September 2008.

via Instagram ift.tt/2DFZ0Nk

A blur of Jet-frisbee activity.

Hudson, Ohio, USA, June 2008.

Chocolate-almond saltine toffee

Hudson, Ohio, USA, December 2008.

Cinnamon roll dough, ready to be sprinkled with brown sugar and cinnamon.

Truck-stop cinnamon rolls

Hudson, Ohio, USA, April 2008.

A lover, not a fighter.

Hudson, Ohio, USA, August 2007.

Ears flopping about.

Hudson, Ohio, USA, April 2008.

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2009: Jason and Monique's First Home (on military base)

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Some family gathering / party photos by Aunt Gretchen

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Bagels

Hudson, Ohio, USA, May 2009.

Toasted coconut chocolate chunk cookies

Hudson, Ohio, USA, April 2010.

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2009: Jason and Monique's First Home (on military base)

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Some family gathering / party photos by Aunt Gretchen

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2009: Jason and Monique's First Home (on military base)

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Some family gathering / party photos by Aunt Gretchen

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2009: Jason and Monique's First Home (on military base)

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Some family gathering / party photos by Aunt Gretchen

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Hudson, Ohio, USA, August 2009.

Her walk with Rosie wore her out.

Hudson, Ohio, USA, March 2009.

Chocolate-pecan pie.

Hudson, Ohio, USA, November 2009.

Tugging.

Hudson, Ohio, USA, November 2008.

These tulips have grown since they were cut and placed in water. Their stems are getting all loopy and droopy and lovely.

Hudson, Ohio, USA, March 2007.

Looking towards the tiny deck we currently have