Swarovski: The Christmas tradition to last a lifetime
3 min
There’s a famous scene in Love Actually where actor Rowan Atkinson goes through a convoluted exercise to gift wrap a piece of jewellery for fellow actor Alan Rickman. Quite the performance, Atkinson’s embellishments have become the benchmark of experiential Christmas shopping by which all others are judged.
And for good reason.
Jewellery is a deeply personal gift meant to last a lifetime, whether the someone special you’re buying for is a significant other, or even yourself. And the experience of purchasing is all part of the enjoyment. The Swarovski range is designed to elevate the everyday to the extraordinary with an enviable array of earrings, necklaces, rings and wrist wear perfect for a day with friends, the office or even an extravagant night out. Whether in store or online, skilled sales consultants are on hand, ready to assist every step of the way, from selecting the perfect pieces for you through to the final flourishes of gifting. It’s all part of a commitment to quality and service that brings lovers of beautiful jewellery back year after year.
While others have tried to emulate them, Swarovski crystals are unmatched. Since founder Daniel Swarovski opened for business in Austria in 1895, they have become known for their exceptional cut and brilliance, literally outshining the competition. Known as the masters of light, Swarovski crystals are still crafted in Wattens, Austria, although the range has expanded to Christmas ornaments, decorations and figurines, spreading the sparkle at this festive time of year.
Here are our favourites from the latest Swarovski releases:
The Una Angelic Set
What can we say about this classic necklace, bracelet and earring set? This timeless trio moves effortlessly from office and client meetings to after work celebrations. Finished in classic white crystals and Rhodium plated it’s the set you’ll return to again and again. If you’re looking for the failsafe gift, this is it.
Swarovski Advent Calendar
Don’t want to wait to embrace the Christmas season? Treat yourself, a loved one or even the whole family to something special leading up to the big day. The Swarovski Advent Calendar features a sparkling crystal Christmas decoration behind each of its 25 doors, ensuring your tree becomes a glittering centrepiece. Count down the days with style.
2024 Christmas Ornament
Swarovski aficionados will already be on the hunt for this year’s official ornament but it’s never too late to start your own tradition. The beautiful snowflake creation has been designed with 133 facets and is available in clear or gold tone finish. It is complete with a gold tone metal tag engraved with the year. Ideal for hanging on the tree, it also looks stunning hanging on a door or in the window.
The Angelic range
When too much sparkle is never enough, this beautiful range of earrings, bracelets, necklaces and more offers a glittering array of choice. The delicate collection is an easy wear range, perfect for casual Christmas lunches, work outfits or any event where the desired look is sophisticated, stylish and completely put together. With a range of colours and finishes available, the greatest challenge with the Angelic range is deciding on your favourite — and knowing when to stop.
Receive a pouch when you spend $280 and treasure all your new favourites. Shop Now.
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Australian shares fell on Thursday as Wall Street weakness, rising oil and persistent rate concerns weighed on most of the market. The S&P/ASX 200 declined 0.72 per cent to 8,702. The All Ordinaries lost 0.66 per cent to finish at 8,897. Mining stocks were hit particularly hard, while real estate also dragged on the index. …
Continue reading “ASX falls 0.7 per cent as miners and property stocks retreat”
Borrowers cannot control the Reserve Bank, but they can control how exposed their household budget is to its next decision. The RBA meets on 29 September with inflation concerns still elevated and major-bank economists increasingly bringing forward their rate-rise calls. Fixed mortgage rates have also been moving, reducing the value of waiting for perfect certainty. …
Continue reading “What mortgage holders should do before the next RBA decision”
2 min
A property portfolio can look comfortable until several small pressures arrive together: a rate increase, a vacancy, higher insurance and an unexpected repair. The correct time to model that combination is before it occurs.
Start by recalculating every loan at 0.25, 0.50 and one percentage point above its current rate. Include principal-and-interest repayments even where a loan is temporarily interest-only, because the eventual step-up may be larger than the next RBA move.
Then calculate true net rent. Deduct management, council and water charges, strata, insurance, maintenance, land tax where applicable and a vacancy allowance. A property advertised with an attractive gross yield can produce a very different result after these costs.
Third, review the portfolio’s liquidity. An offset account can reduce interest while keeping cash accessible, but investors should obtain tax advice before moving funds between loans. The distinction between investment and private debt affects deductibility, and poorly structured redraws can create lasting complexity.
Fourth, examine refinancing risk rather than just today’s rate. A highly leveraged investor may be unable to refinance on the same terms because the new lender tests total debt at a higher assessment rate. Credit-card limits, owner-occupied debt and shaded rental income can all reduce capacity.
Fifth, rank properties by resilience. Consider net yield, vacancy risk, near-term capital expenditure, tenant demand, debt attached and the cost of selling. This is not an instruction to sell the weakest performer automatically; transaction costs and tax consequences matter. It is a way to identify where pressure would emerge first.
Investors should also review fixed-rate and interest-only expiry dates. A portfolio with several facilities resetting in the same quarter carries concentration risk even when each loan appears manageable individually.
The goal is not to predict the RBA perfectly. It is to ensure that one policy decision does not force a rushed refinancing, sale or reduction in essential maintenance. A portfolio that can absorb higher rates and temporary income interruptions gives its owner time to make deliberate decisions.
Read more: What mortgage holders should do before the next RBA decision
Portfolio checklist
Stress test: Current rate plus 0.25, 0.50 and one percentage point.
Model: Net rent after every recurring cost and vacancy.
Check: Fixed-rate expiries, interest-only expiries and loan maturity.
Preserve: An accessible emergency buffer.
Review: Insurance, land tax, strata works and major maintenance.
Seek advice: Licensed credit, financial and tax advice before restructuring.
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