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MERRY X'MAS AND MAY YOU ALL HAVE PEACE, LOVE, UNITY, HOPE, GOOD HEALTH AND ABUNDANCE THROUGHOUT THE NEW YEAR 2009 & BEYOND!!! 
Dear RK Members, Friends & Associates, He! He! He! Ho! Ho! Ho! Santa is In Town. How's Everyone after going to parties after parties? Are you tired of World News about the Financial Crisis? Are you up-to-date about the market? Anyway, We have another GOOD NEWS about the Reserve Bank reducing interest rates by 1% again. This is an effort to prevent Australia's Economy from sliding down into recession. I can say that over and over again that we are in very good position with the rest of the WORLD. No doubt our Government is fully aware of what's happening outside and together with the Reserve Bank they are doing everything to help our economy intact. Which BANK passed what? Commonwealth Bank was the first to announce the rate cut from their side. They will be passing on the full 1% to all it's customers. ANZ have announced that they will pass 0.83% and Westpac will be passing on 0.80. St.George were the last to announce their plan to pass on 0.85%. In others, ING too have passed on 1% rate cut Suncorp, AMP are yet to announce their decision. So, What do you do now? Do some RESEARCH and take a DIVE to the property market. Don't just SEAT there, make a DECISION and take your FIRST STEPS. WHY rent when you can BUY NOW? What a better way to start your NEW YEAR 2009 knowing that you can buy or will be in your own new home. With INTEREST RATES falling and the release of First-Home Buyer's Grant of $21,000, then an additional offer from the NSW Government of $3,000. Wait there's more! Another GRANT from some developers like the new SPECIAL OFFER by the BILLBERGIA GROUP with their RHODES VQ & ANGAS GATEWAY projects, you ask how much? Another $16,000 only until December or until further notice (Conditions Apply). Of course, RK Realty Group is also offering to our buyers a $2,500 cash rebate on other developer's projects, if you buy from us (Conditions Apply). So, a SAVINGS Of More Than $57,000, What else do you want to THINK About? These offers from RK Realty Group, the Government & Developers won't last long and they will all be gone. It's silly to miss the boat and keep on paying on other people's property when you can buy, RENTS are still going UP. ACT NOW to Enjoy the Benefits of Owning your Own HOME. If you want more information on our First-Home Buyers Grant please email us to request a copy - info@rkrealtygroup.com.au. And if you need more information on any of our listed properties please call us now - 1300 738 074 and take advantage of the FHBG now. By the way, JOIN our RK Property Social Club and be a well informed Property Investor & know business opportunities that we offer our members. Make a decision now to educate yourself, research and take action. KNOWLEDGE is POWER. We are here to help you with your real estate, business and finance needs, call us now 1300 738 074.. To Our Success, Please visit our RK BLOG for more property news, articles and updates - http://www.rkrealtygroup.com/blogs/rk_realestateupdates/default.aspx . Also, please visit our individual property websites - www.angasgateway.com and www.rhodesvq.com.
Australian house prices won’t crash the way its US counterparts did 
It is no secret that the US house prices significantly decreased in value due to the global financial crisis triggered by the subprime loans in the US. The trend will continue with more people losing their jobs. There will be more houses in the market, as more and more people will default from their loans. Other countries have declared they are in recession. The fears are widespread that whatever is happening in the US economy will be felt in other countries including Australia. However, the governor of the Reserve Bank of Australia, Glen Stevens had an interesting analogy why Australian house prices won’t crash. He pointed out the significant difference affecting the house price movement in Australia and the US. Mr. Stevens said that US house prices are dropping sharply because there is an oversupply. Meanwhile, Australia’s lack of supply boosted house prices. Although, Australian house prices can still fall…it will be gently. You can read more about it in this news article “House prices shouldn’t crash: RBA chief".
Location, Lifestyle and Leisure by the Harbour ANGAS GATEWAY at Waterpoint®Shepherds Bay - (Price from $390,000 - $1.234m) Real estate experts support that Location, Location, Location are the three most important things in real estate. I certainly agree. However, among the best located properties in the market, there are still certain developments that simply stand out. Waterpoint®Shepherds Bay is one of the premiere developments in Sydney today. It boasts of a great location, offers a great lifestyle and presents leisure comforts to discerning buyers and tenants. Here are some of the best selling points of Waterpoint®Shepherds Bay: Simply striking and convenient location • Walking distance to Meadowbank train station Superb Lifestyle • Permanent harbour views Leisure Right at your Doorstep • All apartment units have quality inclusions, modern finishes and fittings and workmanship that any buyer would simply admire and appreciate. Don’t miss out on one of the best harbour side apartments in Sydney. Waterpoint® Shepherds Bay is now on its final stage - "Angas Gateway". Give RK Realty Group a call - 1300 738 078 to know more about this exciting development. Better yet, schedule an appointment to witness how Location, Lifestyle and Leisure can be found in just one great address. * NOTE: Billbergia Group has a SPECIAL OFFER to our FIRST HOME BUYERS & INVESTORS, A GRANT OF $16,000 but you must HURRY THIS OFFER WON'T LAST!!! Ask Us for More Details when you call for an appointment. To arrange an appointment to visit Village Quay’s display office and for more information, please give RK Realty Group a call - 1300 738 074.
"It doesn't matter which side of the fence you get off on sometimes. What matters most is getting off. You cannot make progress without making decisions." Jim Rohn Why it makes sense to retire in an apartment? 
Right now, we can see a lot of baby boomers changing their lifestyle as they prepare for retirement. Most of their children have moved out of the house and started their own families already. Thus, the lure of maintaining a big house is a luxury already and not a necessity…or even practical. As a retiree, you should enjoy your time more than just cleaning the house, mowing the lawn and maintaining the rarely used family pool. You can still enjoy the same amenities without the need for you to spend hours slaving to maintain them. Nowadays, most apartments have the same creature comforts and even luxuries of your own home. The designs, layout and architecture have evolved throughout the years from being a small box house to a luxury resort type accommodation. Not to mention the amenities within the complex that brings a sense of community for its residents. Thus, it makes sense to consider retiring in an apartment. You just have to choose the right one that will fit your lifestyle choice and budget. You can check some of the best apartments available in the market at www.rkrealtygroup.com.au . We have a lot of apartments in various locations that can offer you the lifestyle or even luxury that you’re looking for. 
The View, Dundas Valley Townhouses (Priced from $570,000 - $605,000) The View is a Boutique complex of 6 townhouses 3 bedroom (with ensuites) all with secure double garages. Offering modern Polyurathene kitchen with cesarstone benchtops, unique bathrooms with vetrified tiles from floor to ceiling, Polished floor boards to living and dining areas, reverse Cycle Air-conditioning, dishwashers, dryers, video intercom and stainless steel European appliances. Great Buy for First-Home Buyers and Very Good Investment Opportunity with strong rental returns for Investors & home buyers. Visit our websites for more details - www.rkrealtygroup.com.au or www.rkrealtygroup.com or call us today - 1300 738 074 or Mb 0411 078 390.
Here is your Friday story
When we hear this, someone is usually telling us, "Get off my back" or "Accept me as I am." Often it's a response to criticism. It could be about chronic lateness, thoughtlessness, broken promises, physical or verbal abuse, or infidelity. Whatever it is, we're asked to let it go. In the end, this is a ploy to get us to lower our expectations based on the dubious idea that certain bad habits are an intrinsic part of character and therefore beyond our control. We're expected to believe it's foolish and futile to expect a person to change. There are, of course, lots of things that are beyond our control: short stature, big bones, receding hairline. Fortunately, character is different. That's completely within our control. The poor and the rich, the slow and the smart, the plain and the pretty all have an equal opportunity to become people of character. Sure, character can be influenced by heredity and environment, but it's determined by choice. No disposition, circumstance, or experience is so powerful that it forever fixes our character. That is never finished. It's constantly shaped and sculpted by the choices we make to nurture or ignore our more noble instincts and to surrender to or overcome negative impulses and corrupting temptations. When it comes to what we demand of ourselves or others, we should never lower our standards. Character is a function of choice. Weaknesses and bad habits are not excuses not to get better. This is Michael Josephson reminding you that character counts. 
Hauskon by Choice - Vista Monte Heights, Batangas Bringing Mother Nature to Your Doorstep ( For Families on a Budget - Prices starts from Php345,000 - Php 915,500) Live closely with nature in Batangas City’s breathtaking site. Situated in the quiet town of Mataas na Kahoy, Vista Monte Heights is a small and peaceful community overlooking the beautiful coconut tree-filled landscape of Batangas. Three House Models 1) Alyssa Model (Bungalow Unit) - Floor area : 20 sq.m. lot area : 36 sq.m. 2) Fleur Model (Loft-Provision Unit) - Floor area : 20 sq.m. lot area : 36 sq.m. 3) Lilac Model (Two-Storey Single-Attached Unit) - Floor area : 50 sq.m. Lot area : 63 sq.m. Subdivision Amenities - elegant entrance gate and guardhouse Visit Our Websites for more infos - www.rkrealtygroup.com (Homes for Sale) & www.rkrealtygroup.com.au (Project Marketing) or call RK Realty Group - 1300 738 074.
* Lists of Our RK Affiliate Business Partners 
RK REALTY GROUP and OFBC Australia: Helping Overseas Filipino Migrants RK Realty Group, a real estate agency specializing in project selling of residential developments here in Australia and the Philippines is pleased to introduced their newest business affiliate; OFBC Australia. Overseas Filipino Business Center (OFBC) Australia is a service provider established by Ausgroup Investments Pty. Ltd., in partnership with BC Group of Companies in the Philippines. OFBC caters to the needs of Filipino migrants, Overseas Filipino Workers (OFWs) and their next of kin in the areas of financing, livelihood and housing. Filipinos can apply for an Australian Dollar Loan through OFBC to purchase properties through RK Realty Group. It is handled by a seasoned Australian Loan broker - Mr. Alvin Lee (OZ Loans) that has access to some of the leading banks and other lending institutions here in Australia. We can also work out how you can purchase a property here in Australia with a possible support from a Philippine based loan. In RK Realty Group, we continue to grow our team of business affiliates to make your real estate purchase a success! Please check our website www.rkrealtygroup.com.au for a complete list of our properties for sale. We can facilitate an appointment with OFBC Australia to explore their services available to help you purchase your property here in Australia or in the Philippines. We look forward to hear from you soon. Please support our recommended Affiliate Business Partners, as they also support our RK Property Social Club. If you need help from any of them, please do not hesitate to contact them directly. They are very willing to help you with your needs and any requirements. RK Realty Group Affiliate Business Partners are here to give excellent service to you that’s why we choose them to be our partners in helping you in your real estate, finance, education and other specialised services. 1) Overseas Filipino Business Center (OFBC) - our newest alliance business partner - for your finance, housing and livelihood programs & other services (Australia & Philippines). Annette Gonzales - Ph 02 9904 7882, Mb 0414 509 412, Email - annettevgon@hotmail.com . Alvin Lee (OZ Loans) - Ph 02 9979 4501, Fax 02 9997 8256 & Mb 0409 076 419, Email - alvin_lee@bigpond.com 2) RS Migration & Recruitment Consultancy - for Migration, Education & Job Placement. Sally Pablo (Marketing Consultant) - Mb 0415 586 066, Ph 02 9997 3105 & Email - sallypablo@yahoo.com . 3) Linda Geronimo Santos - (Solicitor & Lawyer) – Family Law, Migration, Personal Injury & Conveyancing. Ph 02 9891 9008 & Mb 0402 027 013, Email - lindageronimo@yahoo.com.au . 4) Kelvin Goh – Rider Hunt Terotech – depreciation schedule, Ph 02 9922 2277, Mb 0403 203 208. 5) Robert Kok (Immigration Solicitor & Conveyancing) - Ph 02 9281 8860, Mb 0416 168 260. 6) Bobby Kok & Mona Tan (Immigration Agents, 20 years in business) Ph 02 9212 7028, Fax 9212 7292 & Mb 0412 968 760 (Bobby). 7) Rosy Sullivan – (Principal) – Australian College of Professionals, the college provides training & license accreditation for Real Estate Agents and Financial Services People. Also, Conveyancing, Property & Business Consultancy, Mediation & Conciliation & Property Law. Ph 02 9659 4699, 0418 678 119. Website – www.collegepro.biz. 8) Shirley Morcilla (Director) - SRM Advanced Consulting Services - finance & insurance. Ph 02 8883 0610, Fax 02 8883 0612 and Mb 0414 990 331, Email - smorcill@bigpond.net.au. 9) Fiel Santos (Authorised Representative of AMP Financial Planning) - financial planning, insurance, superannuation etc. Ph 9891 3818 and Mb 0412 127 416, Email - fiels@ampfp.com.au. Please visit our RK BLOG for more property news, articles and updates - http://www.rkrealtygroup.com/blogs/rk_realestateupdates/default.aspx . Also, please visit our individual property websites - www.angasgateway.com and www.rhodevq.com.
Top 5 ways to save interest in your home loan 
1. Pay your home loan fortnightly. At the end of each year, you’ll end up paying an extra month reducing the amount of interest in your home loan and shortening the loan period as well. But make sure that your bank reflects the extra repayments in your loan and not just recalculate the annual loan due into 24 repayments. 2. Sacrifice a weekly or monthly indulgence that you can live without. For instance, you can have coffee at home or take the free coffee offered at work, instead of spending money daily to take coffee breaks. If you usually come home late due to work and you’re rarely at home during weekends, maybe you won’t feel the difference of cutting your Foxtel subscription. You can put any savings into your home loan. You’ll be surprised how every additional $100 towards your loan can save you up to $ 100,000 plus in interest and cut years from your total home loan period. 3. Maintain the same repayments in an environment of falling interest rates. If you can afford to pay the same repayments then do so. It can help you pay off your loan faster. For the past three months, the interest rate went down by 2 per cent and some analysts forecast it will continue the downward trend. Depending on your loan amount, you could end up saving hundreds of dollars from your loan repayments. However, if you maintain the same repayment then you’re accelerating the payment for your loan. 4. Choose the shortest period loan period you can afford. If you can afford to pay your loan in 25 years instead of 40 years then do it. We’re talking about $100,000 plus in interest savings in return for adding a few hundred dollars more in your loan repayments. 5. Link your home loan to a 100 percent offset account. Any money in your transaction account will help reduce your interest payments. I hope you find these tips useful. If you need help in acquiring a loan, please give RK Realty Group a call 1300 738 074. We have a team of loan specialists that can help you get the best loans available in the market. * Recommended Books, Videos or DVD, Audio CD’s for your Personal Development, Property Investing, Taxation etc. 
Note: Always remember to continue educating yourself in different areas of your life. We have plenty of resources around us, we don’t even have to buy these materials just go to your local library, the internet or borrow books, cd’s, videos or dvd etc from family & friends. I hope that all of you will be inspired to motivate yourself to continue to grow, learn and acquire knowledge as you grow older and be wiser. I want to recommend all these different materials to you and I hope you will take the challenge of reading them and absorbing what you learn and apply it to your daily life. 1) Think and Grow Rich by Napoleon Hill
* Positive Thinking by Dr. Norman V. Peale 
"Ask for what you want, but be willing to take what GOD gives you. It may be better than what you ask for." "To settle for self-limitation is to lock yourself and therefore to deny to yourself the God-given opportunity for growth."
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