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With the right financial and investment advice, you can make decisions now that will help pave the way for a financially free retirement. That is, provided that you don’t let fear hold you back…

Consumers seem happy to haggle in foreign countries for knick-knacks and knock-offs, but real deals can be found right here on Australian soil. If you’re paying the sticker-price, you’re paying too much. Absolutely everything is up for negotiation – all you have to do is ask.

Some property pundits believe that a property’s value is in the land, and that a house investment is the only way to go, while others swear that apartments deliver the strongest profits. So which investment is the better choice: houses or apartments?

Buying real estate is almost a national pastime, with more than one million Australian houses currently owned by property investors. Investing in bricks and mortar is a wealth creation strategy that many people use to set themselves up financially for retirement, and for good reason.

Hiring a removalist can save your back and your sanity (as well as a few friendships), but it’s not without cost. To cut down on the final bill consider these tips: