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content=no http-equiv=imagetoolbar> <!--[if gte mso 9]><xml> <o:shapedefaults v:ext="edit" spidmax="1026"/> </xml><![endif]--><!--[if gte mso 9]><xml> <o:shapelayout v:ext="edit"> <o:idmap v:ext="edit" data="1"/> </o:shapelayout></xml><![endif]--> </head> <body bgcolor="#8A97B0" lang=EN-AU link=blue vlink=purple style='tab-interval: 36.0pt'> <div class=WordSection1 align="center"> <p class=MsoNormal><o:p>&nbsp;</o:p></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=625 valign=top style='width:468.75pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:3.75pt'> <td width=625 valign=top style='width:468.75pt;background:white;padding: 0cm 0cm 0cm 0cm;height:3.75pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=5 valign=top style='width:3.75pt;background:white;padding:0cm 0cm 0cm 0cm'></td> <td width=615 valign=top style='width:461.25pt;background:white;padding: 0cm 0cm 0cm 0cm'><!-- Main Banner Image --> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f"> <v:stroke joinstyle="miter"/> <v:formulas> <v:f eqn="if lineDrawn pixelLineWidth 0"/> <v:f eqn="sum @0 1 0"/> <v:f eqn="sum 0 0 @1"/> <v:f eqn="prod @2 1 2"/> <v:f eqn="prod @3 21600 pixelWidth"/> <v:f eqn="prod @3 21600 pixelHeight"/> <v:f eqn="sum @0 0 1"/> <v:f eqn="prod @6 1 2"/> <v:f eqn="prod @7 21600 pixelWidth"/> <v:f eqn="sum @8 21600 0"/> <v:f eqn="prod @7 21600 pixelHeight"/> <v:f eqn="sum @10 21600 0"/> </v:formulas> <v:path o:extrusionok="f" gradientshapeok="t" o:connecttype="rect"/> <o:lock v:ext="edit" aspectratio="t"/> </v:shapetype><v:shape id="_x0000_i1025" type="#_x0000_t75" alt="Tudor Finance Pty Ltd" style='width:461.25pt;height:118.5pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image001.jpg" o:href="http://www.powerport.com.au/images/nport_images/member_images/a388921401268007290_tudormasthead.jpg"/> </v:shape><![endif]--><![if !vml]><img src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image001.jpg" alt="Tudor Finance Pty Ltd" v:shapes="_x0000_i1025"><![endif]><o:p></o:p></span></p> <!-- Title Strip --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:26.25pt'> <td width=12 style='width:9.0pt;background:black;padding:0cm 0cm 0cm 0cm; height:26.25pt'></td> <td width=266 style='width:199.5pt;background:black;padding:0cm 0cm 0cm 0cm; height:26.25pt'> <p class=MsoNormal><span style='font-size:13.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:white'>July 2010 Newsletter<o:p></o:p></span></p> </td> <td width=321 style='width:240.75pt;background:black;padding:0cm 0cm 0cm 0cm; height:26.25pt'> <p class=MsoNormal align=right style='text-align:right'><span style='font-size:8.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:white'><a href="http://www.tudorfinance.com.au/"><span style='color:white;text-decoration:none;text-underline:none'>Website</span></a> | <a href="mailto:steve@tudorfinance.com.au"><span style='color:white; text-decoration:none;text-underline:none'>Email</span></a> | <a href="http://www.powerport.com.au/cgi-bin/nport2/fwdtofriend.cgi?92140&amp;&amp;388"><span style='color:white;text-decoration:none;text-underline:none'>Forward to a Friend</span></a> | <a href="http://www.powerport.com.au/cgi-bin/nport2/printnl.cgi?92140&amp;388"><span style='color:white;text-decoration:none;text-underline:none'>Print</span></a> <o:p></o:p></span></p> </td> <td width=16 style='width:12.0pt;background:black;padding:0cm 0cm 0cm 0cm; height:26.25pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Introduction Strip --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=12 valign=top style='width:9.0pt;padding:0cm 0cm 0cm 0cm'></td> <td width=359 valign=top style='width:269.25pt;padding:3.75pt 0cm 11.25pt 0cm'> <p style='line-height:18.0pt'><span style='font-family:"Arial","sans-serif"; color:#2A2A2A'>Hello,<o:p></o:p></span></p> <p style='line-height:18.0pt'><span style='font-family:"Arial","sans-serif"; color:#2A2A2A'>Owning a property offers the benefit of a roof over your head as well as the opportunity for building wealth through investment. <br> <br> We start this issue by looking at the movement of 'next-time buyers into the property market (see first article), as an increasing number of home owners look to upgrade their existing homes or buy an investment property. <br> <br> In article 2 we focus on successful strategies for property investment - Buying an Investment Property - as well as how to use property to build a nest egg for retirement - 'Retirement Nest Egg (article 4). <br> <br> Also featured in this issue, some handy facts and tips to help you prepare your end of year tax return and of course, maximise your tax savings! ('Many Happy Tax Returns - article 3). <br> <br> Enjoy this newsletter and feel free to pass it on to family and friends.<o:p></o:p></span></p> </td> <td width=16 valign=top style='width:12.0pt;background:white;padding: 0cm 0cm 0cm 0cm'></td> <td width=1 valign=top style='width:.75pt;background:#CCCCCC;padding: 0cm 0cm 0cm 0cm'></td> <td width=16 valign=top style='width:12.0pt;background:white;padding: 0cm 0cm 0cm 0cm'></td> <td width=211 valign=top style='width:158.25pt;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td valign=top style='padding:0cm 0cm 5.25pt 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1026" type="#_x0000_t75" alt="" style='width:84pt; height:101.25pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image002.jpg" o:href="http://www.powerport.com.au/images/nport_images/member_images/a388921401268006855_tudorpic.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image002.jpg" v:shapes="_x0000_i1026"><![endif]><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td valign=top style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><b><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><a href="mailto:steve@tudorfinance.com.au"><span style='color:#2A2A2A; text-decoration:none;text-underline:none'>Stephen Tudor</span></a><o:p></o:p></span></b></p> </td> </tr> <tr style='mso-yfti-irow:2;mso-yfti-lastrow:yes'> <td valign=top style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>Director<o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <!-- <tr valign="top"> <td class="logo_name"><b>Tudor Finance Pty Ltd</b></td> </tr> --> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td valign=top style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>PO Box 58<br> Nunawading VIC 3131 <o:p></o:p></span></p> <table class=MsoNormalTable border=0 cellpadding=0 style='mso-cellspacing: 1.5pt;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>Tel:<o:p></o:p></span></p> </td> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>03 9894 7135<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>Mob:<o:p></o:p></span></p> </td> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>0412 582 151<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:2;mso-yfti-lastrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>Fax:<o:p></o:p></span></p> </td> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>03 9894 7073<o:p></o:p></span></p> </td> </tr> </table> </td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=199 style='width:149.25pt;background:#E1E1E1;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes;height:3.0pt'> <td style='background:#E1E1E1;padding:0cm 0cm 0cm 0cm;height:3.0pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width=4 style='width:3.0pt;padding:0cm 0cm 0cm 0cm'></td> <td width=50 style='width:37.5pt;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width=50 valign=top style='width:37.5pt;border:solid #A7A7A7 1.0pt; background:white;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1027" type="#_x0000_t75" alt="" style='width:37.5pt; height:37.5pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image003.jpg" o:href="http://www.powerport.com.au/images/nport_images/newsletter_images/1278470214_t_article1nl.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 width=50 src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image003.jpg" v:shapes="_x0000_i1027"><![endif]><o:p></o:p></span></p> </td> </tr> </table> </td> <td width=11 style='width:8.25pt;padding:0cm 0cm 0cm 0cm'></td> <td width=123 style='width:92.25pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal style='mso-line-height-alt:0pt'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:#2A2A2A'><a href="http://www.powerport.com.au/nldownloads/newsletter_388_92140.html#article0"><span style='color:#2A2A2A;text-decoration:none;text-underline:none'>Next-time buyers</span></a> <o:p></o:p></span></p> </td> <td width=11 style='width:8.25pt;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes;height:3.0pt'> <td style='background:#E1E1E1;padding:0cm 0cm 0cm 0cm;height:3.0pt'></td> </tr> </table> </td> <td width=12 style='width:9.0pt;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=199 style='width:149.25pt;background:#969CA6;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes;height:3.0pt'> <td style='background:#969CA6;padding:0cm 0cm 0cm 0cm;height:3.0pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width=4 style='width:3.0pt;padding:0cm 0cm 0cm 0cm'></td> <td width=50 style='width:37.5pt;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width=50 valign=top style='width:37.5pt;border:solid #A7A7A7 1.0pt; background:white;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1028" type="#_x0000_t75" alt="" style='width:37.5pt; height:37.5pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image004.jpg" o:href="http://www.powerport.com.au/images/nport_images/newsletter_images/1278470233_t_article2nl.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 width=50 src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image004.jpg" v:shapes="_x0000_i1028"><![endif]><o:p></o:p></span></p> </td> </tr> </table> </td> <td width=11 style='width:8.25pt;padding:0cm 0cm 0cm 0cm'></td> <td width=123 style='width:92.25pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal style='mso-line-height-alt:0pt'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:#2A2A2A'><a href="http://www.powerport.com.au/nldownloads/newsletter_388_92140.html#article1"><span style='color:white;text-decoration:none;text-underline:none'>Buying an Investment Property</span></a> <o:p></o:p></span></p> </td> <td width=11 style='width:8.25pt;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes;height:3.0pt'> <td style='background:#969CA6;padding:0cm 0cm 0cm 0cm;height:3.0pt'></td> </tr> </table> </td> <td width=12 style='width:9.0pt;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=199 style='width:149.25pt;background:#E1E1E1;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes;height:3.0pt'> <td style='background:#E1E1E1;padding:0cm 0cm 0cm 0cm;height:3.0pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width=4 style='width:3.0pt;padding:0cm 0cm 0cm 0cm'></td> <td width=50 style='width:37.5pt;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width=50 valign=top style='width:37.5pt;border:solid #A7A7A7 1.0pt; background:white;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1029" type="#_x0000_t75" alt="" style='width:37.5pt; height:37.5pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image005.jpg" o:href="http://www.powerport.com.au/images/nport_images/newsletter_images/1278470249_t_article3nl.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 width=50 src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image005.jpg" v:shapes="_x0000_i1029"><![endif]><o:p></o:p></span></p> </td> </tr> </table> </td> <td width=11 style='width:8.25pt;padding:0cm 0cm 0cm 0cm'></td> <td width=123 style='width:92.25pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal style='mso-line-height-alt:0pt'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:#2A2A2A'><a href="http://www.powerport.com.au/nldownloads/newsletter_388_92140.html#article2"><span style='color:#2A2A2A;text-decoration:none;text-underline:none'>Many Happy Tax Returns</span></a> <o:p></o:p></span></p> </td> <td width=11 style='width:8.25pt;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes;height:3.0pt'> <td style='background:#E1E1E1;padding:0cm 0cm 0cm 0cm;height:3.0pt'></td> </tr> </table> </td> <td width=12 style='width:9.0pt;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=199 style='width:149.25pt;background:#969CA6;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes;height:3.0pt'> <td style='background:#969CA6;padding:0cm 0cm 0cm 0cm;height:3.0pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width=4 style='width:3.0pt;padding:0cm 0cm 0cm 0cm'></td> <td width=50 style='width:37.5pt;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width=50 valign=top style='width:37.5pt;border:solid #A7A7A7 1.0pt; background:white;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1030" type="#_x0000_t75" alt="" style='width:37.5pt; 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mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes;height:3.0pt'> <td style='background:#969CA6;padding:0cm 0cm 0cm 0cm;height:3.0pt'></td> </tr> </table> </td> <td width=12 style='width:9.0pt;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> </td> </tr> </table> </td> <td width=5 valign=top style='width:3.75pt;background:white;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Rule --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:.75pt'> <td width=625 valign=top style='width:468.75pt;background:#CCCCCC; padding:0cm 0cm 0cm 0cm;height:.75pt'></td> </tr> </table> <p class=MsoNormal><a name=article0 id=article0></a><span style='font-size: 8.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"; color:#2A2A2A;display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Image Article Text Right --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=225 style='width:168.75pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1031" type="#_x0000_t75" alt="" style='width:187.5pt;height:187.5pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image007.jpg" o:href="http://www.powerport.com.au/images/nport_images/newsletter_images/1278470141_article1nl.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 width=250 src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image007.jpg" v:shapes="_x0000_i1031"><![endif]><o:p></o:p></span></p> </td> <td width=21 style='width:15.75pt;background:#D5F8F4;padding:0cm 0cm 0cm 0cm'></td> <td width=358 style='width:268.5pt;background:#D5F8F4;padding:0cm 0cm 0cm 0cm'> <h1><span style='mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: Arial'>Next-time buyers<o:p></o:p></span></h1> <h2><span style='font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>Thinking about upgrading or buying your second home? If so, you're not alone, with recent data showing it's the established - or next time - buyers who are currently fuelling interest in the property market.<o:p></o:p></span></h2> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><br> The latest BankWest/Mortgage and Finance Association Home Finance Index shows that three quarters of next-time buyers believe it is a good time to buy an investment property, a dramatic increase from the 14.5 per cent recorded during the midst of the credit crisis. <o:p></o:p></span></p> <p><span style='font-family:"Arial","sans-serif";color:#2A2A2A'><a href="http://www.powerport.com.au/cgi-bin/nport2/newsletter.cgi?92140&amp;388&amp;#article0"><span style='color:#2A2A2A;text-decoration:none;text-underline:none'>Read More &gt;&gt;</span></a><o:p></o:p></span></p> </td> <td width=21 style='width:15.75pt;background:#D5F8F4;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Rule --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:.75pt'> <td width=625 valign=top style='width:468.75pt;background:#CCCCCC; padding:0cm 0cm 0cm 0cm;height:.75pt'></td> </tr> </table> <p class=MsoNormal><a name=article1 id=article1></a><span style='font-size: 8.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"; color:#2A2A2A;display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Image Article Text Right --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=21 style='width:15.75pt;background:#DFE9E8;padding:0cm 0cm 0cm 0cm'></td> <td width=358 style='width:268.5pt;background:#DFE9E8;padding:0cm 0cm 0cm 0cm'> <h1><span style='mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: Arial'>Buying an Investment Property<o:p></o:p></span></h1> <h2><span style='font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>Let your head not your heart have the deciding say when buying an investment property. It's tempting to allow your emotions to get the upper hand if you are purchasing your own home, but if you don't intend to live in the property, look at it with 'investment eyes' only.<o:p></o:p></span></h2> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><br> <b>Take a long term view</b><br> Take advantage of the cyclical booms that occur in property by planning to keep your investment for the long term. Be prepared for the highs and lows by making sure you have realistic financial goals and are comfortable with how much you are borrowing. <o:p></o:p></span></p> <p><span style='font-family:"Arial","sans-serif";color:#2A2A2A'><a href="http://www.powerport.com.au/cgi-bin/nport2/newsletter.cgi?92140&amp;388&amp;#article1"><span style='color:#2A2A2A;text-decoration:none;text-underline:none'>Read More &gt;&gt;</span></a><o:p></o:p></span></p> </td> <td width=21 style='width:15.75pt;background:#DFE9E8;padding:0cm 0cm 0cm 0cm'></td> <td width=225 style='width:168.75pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1032" type="#_x0000_t75" alt="" style='width:187.5pt;height:187.5pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image008.jpg" o:href="http://www.powerport.com.au/images/nport_images/newsletter_images/1278470160_article2nl.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 width=250 src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image008.jpg" v:shapes="_x0000_i1032"><![endif]><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Rule --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:.75pt'> <td width=625 valign=top style='width:468.75pt;background:#CCCCCC; padding:0cm 0cm 0cm 0cm;height:.75pt'></td> </tr> </table> <p class=MsoNormal><a name=article2 id=article2></a><span style='font-size: 8.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"; color:#2A2A2A;display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Image Article Text Right --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=225 style='width:168.75pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1033" type="#_x0000_t75" alt="" style='width:187.5pt;height:187.5pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image009.jpg" o:href="http://www.powerport.com.au/images/nport_images/newsletter_images/1278470178_article3nl.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 width=250 src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image009.jpg" v:shapes="_x0000_i1033"><![endif]><o:p></o:p></span></p> </td> <td width=21 style='width:15.75pt;background:#D4EBEE;padding:0cm 0cm 0cm 0cm'></td> <td width=358 style='width:268.5pt;background:#D4EBEE;padding:0cm 0cm 0cm 0cm'> <h1><span style='mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: Arial'>Many Happy Tax Returns<o:p></o:p></span></h1> <h2><span style='font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>Australia has some of the most complex tax laws in the world, which means it's important to review your tax strategy each year to keep up with the latest changes. Here are some facts and tips to help you lodge your 2009-10 tax return.<o:p></o:p></span></h2> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><br> <b>Income Tax Rates</b><br> From 1 July 2009, the 30 per cent income tax threshold for individuals was increased from $34,001 to $35,001 and the 40 per cent tax rate was reduced to 38 per cent. <o:p></o:p></span></p> <p><span style='font-family:"Arial","sans-serif";color:#2A2A2A'><a href="http://www.powerport.com.au/cgi-bin/nport2/newsletter.cgi?92140&amp;388&amp;#article2"><span style='color:#2A2A2A;text-decoration:none;text-underline:none'>Read More &gt;&gt;</span></a><o:p></o:p></span></p> </td> <td width=21 style='width:15.75pt;background:#D4EBEE;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Rule --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:.75pt'> <td width=625 valign=top style='width:468.75pt;background:#CCCCCC; padding:0cm 0cm 0cm 0cm;height:.75pt'></td> </tr> </table> <p class=MsoNormal><a name=article3 id=article3></a><span style='font-size: 8.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"; color:#2A2A2A;display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Image Article Text Right --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=21 style='width:15.75pt;background:#FFC2A2;padding:0cm 0cm 0cm 0cm'></td> <td width=358 style='width:268.5pt;background:#FFC2A2;padding:0cm 0cm 0cm 0cm'> <h1><span style='mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: Arial'>Retirement Nest Egg<o:p></o:p></span></h1> <h2><span style='font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>Working out the best way to build your nest egg for retirement is never easy, but many agree that relying on superannuation alone is not enough.<o:p></o:p></span></h2> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>According to the Westpac ASFA Retirement Standard, a retired couple needs to earn more than $51,727 per year to live 'comfortably' or more than $28,080 per year to live 'modestly'. <o:p></o:p></span></p> <p><span style='font-family:"Arial","sans-serif";color:#2A2A2A'><a href="http://www.powerport.com.au/cgi-bin/nport2/newsletter.cgi?92140&amp;388&amp;#article3"><span style='color:#2A2A2A;text-decoration:none;text-underline:none'>Read More &gt;&gt;</span></a><o:p></o:p></span></p> </td> <td width=21 style='width:15.75pt;background:#FFC2A2;padding:0cm 0cm 0cm 0cm'></td> <td width=225 style='width:168.75pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1034" type="#_x0000_t75" alt="" style='width:187.5pt;height:187.5pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image010.jpg" o:href="http://www.powerport.com.au/images/nport_images/newsletter_images/1278470195_article4nl.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 width=250 src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image010.jpg" v:shapes="_x0000_i1034"><![endif]><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Rule --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:.75pt'> <td width=625 valign=top style='width:468.75pt;background:#CCCCCC; padding:0cm 0cm 0cm 0cm;height:.75pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:9.75pt'> <td width=625 valign=top style='width:468.75pt;background:white;padding: 0cm 0cm 0cm 0cm;height:9.75pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Icon Article Text Right --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=17 style='width:12.75pt;background:white;padding:0cm 0cm 0cm 0cm'></td> <td width=119 style='width:89.25pt;background:white;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1035" type="#_x0000_t75" alt="" style='width:89.25pt; height:48pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image011.gif" o:href="http://www.powerport.com.au/images/nport_images/member_images/a388921401263189144_mfaa_logo.gif"/> </v:shape><![endif]--><![if !vml]><img border=0 width=119 src="Tudor%20Finance%20Pty%20Ltd%20-%20July%202010%20Newsletter_files/image012.gif" v:shapes="_x0000_i1035"><![endif]><o:p></o:p></span></p> </td> </tr> </table> </td> <td width=19 style='width:14.25pt;background:white;padding:0cm 0cm 0cm 0cm'></td> <td width=430 style='width:322.5pt;background:white;padding:0cm 0cm 0cm 0cm'> <h1><span style='mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: Arial'>Mortgage &amp; Finance Association of Australia<o:p></o:p></span></h1> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><br> Tudor Finance Pty Ltd is a Full Member of the MFAA. <br> <br> This means we have recognised and proven qualifications and expertise in the mortgage industry, and are bound by a code of ethics to ensure the highest levels of service, integrity and professionalism. <o:p></o:p></span></p> </td> <td width=40 style='width:30.0pt;background:white;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:9.75pt'> <td width=625 valign=top style='width:468.75pt;background:white;padding: 0cm 0cm 0cm 0cm;height:9.75pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Rule --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:.75pt'> <td width=625 valign=top style='width:468.75pt;background:#CCCCCC; padding:0cm 0cm 0cm 0cm;height:.75pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:9.75pt'> <td width=625 valign=top style='width:468.75pt;background:white;padding: 0cm 0cm 0cm 0cm;height:9.75pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Image Article Text Right --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=21 valign=top style='width:15.75pt;background:white;padding:0cm 0cm 0cm 0cm'></td> <td width=583 valign=top style='width:437.25pt;background:white;padding: 0cm 0cm 0cm 0cm'> <h1><span style='mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: Arial'>No fuss, tailored home loans <o:p></o:p></span></h1> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><br> With 20 years home loan lending experience, Tudor Finance are trusted mortgage professionals who work for you - not the banks. By spending time getting to know you, &amp; with access to hundreds of loans from more than 20 different lenders, we can help find the perfect loan that best suits your individual needs. <br> <br> Tudor Finance is not obligated to sell any particular home loan product - our only committment is to hand-pick the optimum loan for you. <br> <br> Our service is free &amp; we take care of the whole process, giving you peace of mind &amp; saving you time. <o:p></o:p></span></p> </td> <td width=21 valign=top style='width:15.75pt;background:white;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:9.75pt'> <td width=625 valign=top style='width:468.75pt;background:white;padding: 0cm 0cm 0cm 0cm;height:9.75pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Rule --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:.75pt'> <td width=625 valign=top style='width:468.75pt;background:#CCCCCC; padding:0cm 0cm 0cm 0cm;height:.75pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Disclaimer --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=17 style='width:12.75pt;background:white;padding:0cm 0cm 0cm 0cm'></td> <td width=591 style='width:443.25pt;background:white;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><o:p>&nbsp;</o:p></span></p> <p style='line-height:19.2pt'><span style='font-family:"Arial","sans-serif"; color:#2A2A2A'>Disclaimer: This newsletter is intended to provide general news and information only. Readers should rely on their own enquiries before making any decisions regarding their own interests. Please do not rely on any part of this newsletter as a substitute for specific legal or financial advice. All material is copyright 2010. <o:p></o:p></span></p> </td> <td width=17 style='width:12.75pt;background:white;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> </td> </tr> </table> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p> </div> </body> </html>