Parampreet Singh Rajput

Parampreet Singh Rajput Parampreet Singh Rajput

Don’t Let Banks Eat Into Your Money 💰🚨 BIG CHANGES ARE COMING TO BANKING!Australia’s biggest banks are increasing fees w...
26/08/2026

Don’t Let Banks Eat Into Your Money 💰

🚨 BIG CHANGES ARE COMING TO BANKING!

Australia’s biggest banks are increasing fees while some customers are seeing reward points reduced or devalued.

That means you could be paying more while getting less in return.

💳 Higher fees
📉 Fewer rewards
💰 More money leaving your pocket

Don’t just accept it. Review your banking, compare your options and make your money work harder for you.

👉 Don’t pay more. Get smart.

Da Business Coach
Helping you make smarter business & financial decisions.

25/08/2026

🚨 DON’T TRUST BLINDLY — THINK BEFORE YOU SIGN!

Before signing a Personal Guarantee, be very careful. ⚠️

You may think you are simply helping a friend, family member, business partner or company — but a personal guarantee can make YOU personally responsible for the debt if things go wrong.

✅ Understand exactly what you are guaranteeing
✅ Read the terms and conditions
✅ Know your maximum liability
✅ Ask questions before signing
✅ Get independent professional advice if needed

A signature can create a BIG financial responsibility.

👉 Don’t sign because you trust someone.
Sign only when you understand the risk.

24/08/2026

⚠️ **ANTI-MONEY LAUNDERING (AML) — “ਮੈਂ ਤਾਂ ਸਿਰਫ਼ ਦੋਸਤ ਦੀ Help ਕੀਤੀ ਸੀ” ਹਰ ਵਾਰ ਕਾਫ਼ੀ ਜਵਾਬ ਨਹੀਂ ਹੁੰਦਾ!**

ਅੱਜ ਦੇ ਸਮੇਂ ਵਿੱਚ **Anti-Money Laundering (AML)** rules ਨੂੰ ਸਮਝਣਾ ਬਹੁਤ ਜ਼ਰੂਰੀ ਹੈ—ਖਾਸ ਕਰਕੇ ਜਦੋਂ ਤੁਸੀਂ **property ਖਰੀਦ ਰਹੇ ਹੋ, property settlement ਕਰ ਰਹੇ ਹੋ ਜਾਂ ਵੱਡੀ financial transaction** ਕਰ ਰਹੇ ਹੋ।

ਜੇ transaction ਦੌਰਾਨ ਤੁਹਾਨੂੰ ਪੁੱਛਿਆ ਜਾਵੇ:

💰 **Funds ਕਿੱਥੋਂ ਆਏ?**
🏦 ਪੈਸੇ ਤੁਹਾਡੇ account ਵਿੱਚ ਕਿਸ ਨੇ transfer ਕੀਤੇ?
📄 ਕੀ ਤੁਹਾਡੇ ਕੋਲ Source of Funds ਦਾ proper record ਹੈ?
🤝 ਕੀ ਇਹ loan, gift, business income ਜਾਂ ਕਿਸੇ ਹੋਰ arrangement ਤਹਿਤ ਆਏ ਹਨ?
🔍 ਕੀ transaction ਦਾ genuine purpose explain ਕੀਤਾ ਜਾ ਸਕਦਾ ਹੈ?

ਤਾਂ ਸਿਰਫ਼ ਇਹ ਕਹਿਣਾ ਕਿ **“ਮੈਂ ਤਾਂ ਆਪਣੇ friend ਦੀ help ਕਰ ਰਿਹਾ ਸੀ”** ਹਰ situation ਵਿੱਚ ਕਾਫ਼ੀ ਨਹੀਂ ਹੋ ਸਕਦਾ।

Banks ਅਤੇ AML obligations ਵਾਲੇ professionals suspicious transactions ਜਾਂ circumstances ਬਾਰੇ questions ਪੁੱਛ ਸਕਦੇ ਹਨ ਅਤੇ, ਜਿੱਥੇ ਕਾਨੂੰਨ ਅਨੁਸਾਰ required ਹੋਵੇ, matter relevant authorities ਨੂੰ report ਕੀਤਾ ਜਾ ਸਕਦਾ ਹੈ।

ਇਸ ਲਈ ਕਿਸੇ ਲਈ ਆਪਣੇ account ਵਿੱਚ ਪੈਸੇ receive ਕਰਨ, ਅੱਗੇ transfer ਕਰਨ, property deposit ਦੇਣ ਜਾਂ ਆਪਣੇ ਨਾਮ ਰਾਹੀਂ transaction ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ **ਬਹੁਤ ਧਿਆਨ ਨਾਲ ਸੋਚੋ।**

✅ Transaction ਦਾ purpose clear ਰੱਖੋ
✅ Source of Funds ਦੇ documents ਰੱਖੋ
✅ Loan/Gift arrangements properly document ਕਰੋ
✅ Bank records ਅਤੇ agreements ਸੰਭਾਲ ਕੇ ਰੱਖੋ
✅ Doubt ਹੋਵੇ ਤਾਂ ਪਹਿਲਾਂ qualified legal/financial professional ਤੋਂ advice ਲਵੋ

**ਦੋਸਤੀ ਆਪਣੀ ਜਗ੍ਹਾ ਹੈ, ਪਰ financial transaction ਵਿੱਚ documentation ਬਹੁਤ ਜ਼ਰੂਰੀ ਹੈ।**

**Think Before You Transfer. Document Before You Deal.**

— **Param**
**DA Business Coach**

22/08/2026

🚨 ਬਚੋ • ਬਚੋ • ਬਚੋ! 🚨

ਕਿਸੇ ਨੂੰ ਵੀ ਫੇਵਰ ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ 100 ਵਾਰ ਸੋਚੋ।
ਅੱਜ ਦੇ ਸਮੇਂ ਵਿੱਚ “ਮੈਂ ਤਾਂ ਉਸਦੀ ਮਦਦ ਕਰ ਰਿਹਾ ਸੀ” ਕਹਿਣਾ ਹਮੇਸ਼ਾ ਬਚਾਅ ਨਹੀਂ ਹੁੰਦਾ।

Anti-Money Laundering (AML) ਦੇ laws ਅਤੇ compliance requirements ਨੂੰ ਸਮਝਣਾ ਬਹੁਤ ਜ਼ਰੂਰੀ ਹੈ। ਕਈ ਵਾਰ ਕੋਈ ਤੁਹਾਨੂੰ ਗੱਲਾਂ-ਬਾਤਾਂ ਵਿੱਚ ਲੈ ਕੇ ਅਜਿਹਾ ਕੰਮ ਕਰਵਾ ਸਕਦਾ ਹੈ, ਜਿਸ ਦੇ consequences ਤੁਹਾਨੂੰ ਬਾਅਦ ਵਿੱਚ ਪਤਾ ਲੱਗਣ।

👉 ਆਪਣੇ documents ਅਤੇ financial transactions ਵਿੱਚ ਸਾਵਧਾਨ ਰਹੋ।
👉 ਕਿਸੇ ਦੀ request ’ਤੇ ਬਿਨਾਂ ਸੋਚੇ ਆਪਣੇ account, business ਜਾਂ ਨਾਮ ਦੀ ਵਰਤੋਂ ਨਾ ਹੋਣ ਦਿਓ।
👉 “ਉਹ ਮੇਰਾ ਜਾਣਕਾਰ ਹੈ, ਕੁਝ ਨਹੀਂ ਹੋਵੇਗਾ” ਵਾਲੀ ਸੋਚ ਤੋਂ ਬਚੋ।

BE ALERT. BE AWARE. PROTECT YOURSELF.

ਕਿਸੇ ਦੀ ਮਦਦ ਕਰਨੀ ਚੰਗੀ ਗੱਲ ਹੈ—ਪਰ ਆਪਣੀ safety, compliance ਅਤੇ future ਨੂੰ risk ’ਤੇ ਨਾ ਲਗਾਓ।

21/08/2026

FAMILY DIVORCE & PROPERTY — KNOW YOUR RIGHTS

❌ “My spouse’s name isn’t on the property title, so they have no claim.”

Not necessarily.

In a relationship breakdown, property settlement can involve more than whose name appears on the title. The financial and non-financial contributions of both parties, future needs, and the circumstances of the family may all be relevant.

👨‍👩‍👧 If children are involved, their needs may also be an important consideration.

If you own a business, property or other significant assets, it’s important to understand how separation could affect your financial position.

💼 Protect your business. Protect your assets. Plan ahead.

Da Business Coach
Business Guidance & Strategic Support

📩 Contact us to discuss your business protection strategy.



General information only — not legal advice. For advice about your specific circumstances, consult a qualified family-law professional.

19/08/2026

🧠 A RELAXED MIND BUILDS A STRONG BUSINESS

A stable and successful business starts with a stable mind.

When your mind is constantly under pressure, stressed and overwhelmed, it becomes difficult to make the right decisions and stay in control of your business.

That’s why mental peace is not a luxury — it’s a business necessity. 💼

There are many ways to manage stress:
🧘 Meditation
🏋️ Exercise
🚶 Walking & fresh air
⏰ Taking time away from work
🎯 Having the right support and guidance

Find what works best for your mind and your body.

And if you’re still feeling overwhelmed by your business, talk to a Business Coach.

Sometimes you don’t need to work harder — you need the right strategy, structure and someone to help you see the bigger picture.

👉 If you need help getting your business back under control, contact Da Business Coach. We’re here to help.

Relax your mind. Take control of your business. Build for long-term success.

19/08/2026

Your borrowing capacity can make or break your property purchase. 🏠💰

Before you start looking at houses, understand how much the bank will actually lend you.

Your borrowing capacity can be affected by:

1️⃣ Your income
2️⃣ Existing home, car & personal loans
3️⃣ Credit-card limits
4️⃣ Your living expenses
5️⃣ Number of dependants
6️⃣ Interest-rate assessment
7️⃣ Your business income, if you’re self-employed
8️⃣ Your overall financial history

Remember: Having a big deposit does NOT automatically mean the bank will lend you more.

👉 First understand your borrowing capacity.
👉 Then work out your deposit.
👉 Then decide your property budget.

Don’t buy based on what you WANT to afford. Buy based on what you CAN comfortably afford.

💡 Da Business Coach Tip: Get your numbers right before you start house hunting.

17/08/2026

Karan Aujla × Da Business Coach 🔥

When Punjabi music meets business mindset — now that’s a combination! 🚀

Karan Aujla 🤝 Da Business Coach

Different industries. Same ambition.
Think big. Build smart. Keep growing.

Address

Dandenong North, VIC

Telephone

0397069313

Website

Alerts

Be the first to know and let us send you an email when Parampreet Singh Rajput posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share