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  • Australians are a laid back tribe. We love our relaxed lifestyle, great food and the incredible freedom to live life exactly as we want, but are we really living the Dream? 

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    Australians are a laid back tribe. We love our relaxed lifestyle, great food and the incredible freedom to live life exactly as we want, but are we really living the Dream?


    Research undertaken by Mark McCrindle recently, assessed the ‘regrets, dreams and attitudes’ of Australians to give a snapshot of how we see ourselves and what prevents inner life satisfaction. It’s apparently quite easy to pinpoint where we find comfort but many struggle to know what’s required for success.


    Those surveyed said that living the Dream meant:

    • Having the lifestyle of my choice (57%)
    • Financial freedom and independence (54%)
    • Having safety and security (49%)
    • Owning a home (41%)
    • Having a family (41%)
    • Pursuing hobbies and interests (40%)

    When assessing their lives against that criteria, finance was the biggest block to attaining the Dream with 48% blaming the impacts of a low bank balance through lack of saivngs.


    Other barriers were debt (26%), not enough time (28%), lack of self belief (22%), poor planning for the future (14%) and not enough support from others (12%).


    These Australians live with regret and are more likely to use their situation as an excuse to stay in the same position. Naturally, if you have a low bank balance and carry debt, you are instantly stopped from living the Dream and having financial freedom and independence.


    Many of the Gen Ys interviewed were drowning in credit card debt because of their addiction to over spending on consumer items.


    It takes solid, concerted effort to reverse the process and take back control of your finances. The great news is that when the decision is made to take that action to manage the debt, your financial position can change quite quickly.


    The really interesting part of this survey was that only one in four Australians believed that they were mostly, or definitely living the Dream. By and large these people were not doing anything really special, but they did take action in four areas:

    • They were 5 times more likely to plan and stick to their plans
    • They were 5 times more likely to meditate
    • They were 3 times more likely to seek investment advice
    • They were 3 times less stressed about money

    What gave them the edge was the discipline of getting advice on their particular situation and planning for the future. There were no excuses made and they didn’t deviate from their plan. Consequently, they were less stressed about money.


    Having that essential plan in place makes sense to achieving short term goals (e.g. saving for a deposit for a property) and long term goals ( achieving financial freedom through an investment portfolio).


    To achieve an investment property portfolio is no different as it takes a plan and then consistently sticking with the plan over the long term to achieve the ultimate result.


    My experience shows that without a plan, investors tend to react to market conditions or property cycles and cash out of property when times get tough. Instead, it’s essential to believe you can achieve it, get advice and go after it – essential criteria for living the Dream.

  • This is a very real issue for those living in Sydney and Melbourne right now. With property prices reaching record high levels, it’s become a challenge for the next generation to afford a home. 

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    This is a very real issue for those living in Sydney and Melbourne right now. With property prices reaching record high levels, it’s become a challenge for the next generation to afford a home.

    More and more parents are coming to the party and assisting their adult children to get into the property market.

    The Bank of Mum and Dad is now valued at $65.3b and is Australia’s fifth largest lender. Parents are helping to bridge the gap as a means to an end.

    According to a recent report online, 27% of Australian parents are assisting young homeowners with their first properties, lending more than $64k per family on average (with 67% not expecting to be repaid).

    Figures suggest that nearly three quarters of parents are lending cash from their own savings, but perhaps there’s a better?

    Rather than using cash, it is smart to use equity from an existing property, either the family home or an investment property. There are lenders who offer this product and with the right safe guards in place, it is a viable alternative to handing over your hard earned cash.

    How I helped my own daughter get into the property market

    Nine years ago my daughter bought her first property, a two bedroom unit in Sydney’s northern suburbs. At the time she had less than $20k in savings. While she qualified for the first home owners grant (which was double what it is now) and zero stamp duty, it wasn’t quite enough.

    Rather than give her cash, I released $59k of equity from one of my investment properties so that she would avoid paying Loan Mortgage Insurance.

    The bank set up a limited liability guarantor loan, which meant that my total exposure was for that $59k.

    Just 18 months later, there was enough capital growth in the property for her to refinance and I was then free of my commitments of guarantor.

    Since that time my daughter has purchased two more investment properties using equity from that first purchase – a path she wouldn’t have been able to go down without my initial financial assistance.

    If I had given her $59k in cash it would have taken her longer than 18 months to repay the loan and she would not have been in a position to acquire her investment properties in such a short period of time.

    Having this Strategy enabled her to super charge her investment portfolio all on a $20k initial deposit.

    The ins and outs of cash versus capital growth

    While a set capital growth figure at the end of the day cannot be guaranteed, this is still a lot safer option to help your child than to give cash. If for whatever reason you need access to your cash at some point in the future, you then have to come up with an alternative source. This is where some families come unstuck and can find themselves caught short.

    The beauty of tapping into equity at both ends is to preserve your cash and let the property grow in value over time.

    My broker recently confirmed that this type of limited liability loan is still available and the guarantor’s liability is limited to 20% of the purchase price plus costs.

    Protect all parties with a written agreement

    An agreement needs to be set up to properly safeguard both parties before anything goes ahead, being mindful of timeframes – both yours and your children.

    If there is an expectation that the money is to be repaid, have a formal understanding of when that should be.

    As a guarantor, you are liable for any defaults on the loan, so make sure that your child is aware of this and put some measures in place to mitigate your risk.

    I had a conversation with my daughter early to say that if it ever looked like she was going to be caught short and miss a mortgage payment, she was to let me know and we would manage it.

    Be open and honest with your children about how to manage that scenario should it occur. The last thing you want is for the bank to come knocking on your door.

    Parents helping their children get a foothold on the property ladder can mean all the world to them, but be wise in how you do it. Hold onto your cash and use the bank’s money for the short term. That’s the smart way to help your children.


     


  • Most people think that purchasing an investment property is a pretty straight forward exercise. That is, until they start the process.
     

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    Most people think that purchasing an investment property is a pretty straight forward exercise. That is, until they start the process.

    The majority of people I’ve met think that investing in property is as simple as getting a loan, buying a property, putting in a tenant and then the job is done. Right?

    To be honest that’s exactly why most people who invest in property only buy one or two properties. They don’t fully understand exactly ‘what’ real property investing involves.

    To get property ‘investing’ right, you need to be analytical and consider what will serve you best.

    Let me be very clear on this point – it is not about which property or which location that’s most important – it is all about your Strategy.

    What is your goal when investing in property?

    Here are some fundamental questions that need to be asked before even considering purchasing:

    How will the purchase be structured financially?

    Is it better to ‘fix’ the rate or stick with a variable interest rate? What are the pros and cons of each?

    Is it better to pay Principal and Interest or Interest Only?

    Can the debt be paid down on an Interest Only loan? If so, how is it done?

    Is it best to just take the lowest interest rate available? What are the pros and cons of that decision?

    How should the property be structured for tax and lifestyle purposes?

    Should it be a positive cash flow property?

    Should it be negatively geared?

    Should it be purchased in a SMSF?

    Should it be purchased outside Super?

    Should the entire loan amount be spent on one property? In other words, if preapproval is for $700k is it better to purchase just one property or should two properties be purchased?

    Which property type and location will suit my Strategy?

    Notice that the property type and location are the last factors to be considered. It is far more important to firstly put in place the correct finance structure and entity before even considering the property type and location.

    Experienced investors already know the next property type they will add to their property portfolio because they understand what will best fit their Strategy.

    Using the services of a professional and experienced Buyer’s Agent to assist in the purchase of an investment property keeps the buyer on track to build a strong property investment portfolio. The value in accessing this service far outweighs the cost of indecision or making disastrous investment decisions that can mean being locked out of the property market for years. The difference could be purchasing one or two properties without using a Buyer’s Agent or building a portfolio of 10 properties using the services of a Buyer’s Agent.

    A skilled and experienced Buyer’s Agent can usually negotiate the cost of their fee off the purchase price and provide valuable professional advice throughout each step of the purchase process.

     

    Disclaimer

    The information contained in any material presented by the author should always be considered general information and the reader must seek professional financial, investment advice before making any investment decisions.

     

  • This is a crucial question for every investor. Your decision on where to purchase your next investment property can mean the difference between you making hundreds of thousands of dollars in capital growth or not. 

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    This is a crucial question for every investor. Your decision on where to purchase your next investment property can mean the difference between you making hundreds of thousands of dollars in capital growth or not.

    I met a young investor the other day who had recently purchased his 5th investment property and was proud to say that all of the properties were in Sydney. These were all purchased in the last 4 years.

    Alarm bells started to ring as he went on to say that he was making some great tax savings as they are all negatively geared. 

    There’s nothing wrong with holding a couple of negatively geared properties as part of a strong performing portfolio but this particular property portfolio was costing over $2000 per month to hold.

    There’s nothing wrong with that either provided that you have the certainty around your income so that you can continue to cash flow the portfolio for at least the next 10 years.

    Now that the Sydney market has hit it’s peak, it could realistically take another 10 years to experience more capital growth.

    I believe the Sydney market has now hit a turning point and there is a combination of factors that will impact on it.

    Firstly, the major banks have tightened their lending criteria for investors making it more difficult for ‘mum and dad’ investors to borrow money.

    The Banks will pass on to consumers the recent Government charges and this will also impact on the affordability.

    Market sentiment is changing as most people believe that Sydney property has become unaffordable. This is quite a strong predictor of market change as the masses determine property market outcomes.

    So the question now is – if Sydney has hit the peak, where’s the next best place to buy?

    The answer is simple. Look to the next affordable market. That’s where owner occupiers are moving and investors are buying. Affordability is the key factor and drives most investment decisions.

    Look at large capital cities with established infrastructure, vibrant local councils and strong economies. These are always a safe choice when it comes to investing. Not all large cities will provide strong capital growth so make sure you do your research before spending your hard earned dollars.



  • Most people leave it too late to start planning for their financial future. It’s just one of those things that we will get around to doing one day – you know, invest for the future.  

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    Most people leave it too late to start planning for their financial future. It’s just one of those things that we will get around to doing one day – you know, invest for the future.

    I have kids and have taught them that as soon as they start to earn an income, they need to put some money away to invest.

    First come the savings and the savings are then dedicated to investing.

    Many become stuck at this point as the lure of taking overseas holidays and owning luxury cars is far more enticing than the ‘retirement strategy’, especially if you are in your twenties or thirties.

    What I’ve noticed is that once you know HOW to save and invest, the vast majority of these people also manage to take the overseas trips and own the toys because they learn to use their money wisely. They also understand the power of leveraging their money.

    The dedication to investing becomes a lifestyle decision and makes all the difference to the long terminvestment goal.

    After all, if the aim is to have a really great retirement, there needs to be some serious thought around investing to actually make retirement possible.

    I will give you an example of how one woman had started to build wealth for her future in her thirties and through a very difficult time in her life, had to sell her assets and is starting again to rebuild her asset base.

    Georgina is now 53 and has been a property investor in the past, owning 3 properties. She fell on very hard times a few years ago and had to sell two of her properties to keep her afloat.

    Georgina came to me late last year and expressed her desire to get back into investing as she understood that her previous investment properties actually saved her from falling into bankruptcy. She knew how to invest and wanted to rebuild her property portfolio so that she would have a good retirement.

    Because she now had a well paid job and equity in her home, she was able to start the process of purchasing her investment property and start to build wealth for her future again.

    Once we have the skills to invest in property, it’s not difficult to rebuild a portfolio. In Georgina’s case, she is determined to make sure that she has a great retirement despite the issues that have come her way.

    Investing starts with a decision to use these two valuable resources:

    • Time
    • Income

    The level of dedication and focus on building the property portfolio will determine the outcome. So, what’s stopping you?

  • Property Market Update

    Apr 28, 2017


    Having insight into what is happening in property markets around the country can mean the difference between making hundreds of thousands of dollars over the life span of the investment or making very little at all. 

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    Having insight into what is happening in property markets around the country can mean the difference between making hundreds of thousands of dollars over the life span of the investment or making very little at all.

    The most common mistake that novice investors make is ‘following the pack’ and buying right at the top of the market. Somehow, it’s human nature to feel very comfortable doing what everyone else does and property investing is no different.

    However, if the idea is to actually make money out of investing then there needs to be a strategic plan to achieve that.

    Here’s my way of thinking: if I’m going to all the effort and expense to research and purchase an investment property, then it has to make a substantial amount of money over the next 10 years, otherwise, why bother investing at all?

    There are some great places to invest right now in Australia that will give double digit growth in the first 12 months as well as better than 5% cash flow.

    Where are these places?

    I can tell you that these are very well researched areas that have not yet become ‘hot spots’.

    There are clients buying in these locations right now for under $300k and they won’t need to wait 10 years to make a substantial amount of capital growth. These are the properties that really savvy investors seek out because they understand that a large and successful property portfolio can be built on these high capital growth and high yielding properties.

    To pinpoint these areas set for growth takes detailed analysis and is not found in just one or two locations online. This information is not in the media and is based on live data, not historical, three month old data such as the information found on Corelogic RP Data.

    Having access to dedicated, cutting edge software that shows where these growth locations are around Australia is the key to making accurate and informed decisions on where to buy these properties.

    Safe and strategic investing will be the determining factor in building wealth through property in the next 3 years.


  • When purchasing an investment property, it has to be agreed that there’s a huge amount of choice. 

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    When purchasing an investment property, it has to be agreed that there’s a huge amount of choice.

    Investors are only limited by their understanding of how to make money from Property.

    One investment property will not make you wealthy so there needs to be a Strategy around how to achieve wealth through property.The traditional investor will look at various information online and take a guess at where might be a good place to invest and will usually buy a house, apartment, townhouse or a block of land and build a property. This provides a rental income which may be as low as 2% for properties in Sydney and Melbourne and around 5% for properties in other states. There is no positive cash flow and no equity uplift in these properties.

    To develop and add value to a property takes skill, time and a great deal of patience. There are several hurdles such as strict council requirements, finance constraints on developments as well as the actual skill needed to tackle every aspect of the development from concept and plans to the ultimate end product.

    Over the years I have spoken with many investors who love the idea of developing land and getting a much higher return on their investment. Wouldn’t it be advantageous to have two income streams from the one block of land that could be subdivided at any stage in the future? What if that same investment provided a 6% or 7% rental yield?

    What if that property gave an equity uplift of around $100,000 on completion and enabled another dual income property to be built straight away? There is a way to achieve this without having to do the hard work yourself.

    To purchase a Dual Income Property package where all the plans, permits, construction and associated costs are covered in the package price means that the investor can achieve the same result as developing themselves but without the headaches.

    Dual income packages are ‘full turn key’ meaning that all the floor coverings, blinds, light fittings, fencing, driveways, clothesline , letterbox, TV antenna is included in the package price.

    The construction is overseen by a site manager and must comply with the building codes of the local council and be inspected to ensure the quality of the build.

    Investors have begun to realize that the way to building wealth is purchasing properties with high cash flow and equity uplift on completion. This enables the next dual income development to be undertaken and soon the positive cash flow portfolio of dual income properties generates passive income and fast paced wealth.


  • It’s true. I’ve had a long standing affair with Property investing for well over a decade and I must admit, the love keeps growing. 

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    It’s true. I’ve had a long standing affair with Property investing for well over a decade and I must admit, the love keeps growing.

    For those who have never invested before, they probably think that I am delusional. After all, on the surface, property investing doesn’t make much economic sense. For example, if you are buying an investment for around $500k, you will need to put down a 20% deposit which is probably around $100,000 of your hard earned dollars and then you borrow the remaining $400,000 plus costs from the bank. Reality hits home when you realize that you are responsible for the repayments on that mortgage. At this point many people are totally freaked out because they just don’t understand how property investing actually works.

    Let me explain here:

    While you are responsible for the repayments on the mortgage, you do have help along the way

    • the tenant pays the rent each month
    • if the rent does not cover the mortgage, you can claim the difference from the tax office either monthly or annually
    • if the property is new or renovated, there is depreciation that can be claimed which reduces your income tax each year
    • if the rent covers all the expenses, you will pay a little more tax
    • if you have purchased well (in the right time of the cycle, negotiated a great price, in a growth market) you can expect that the investment will provide you with a better than 5% yield and at least 5%-8% capital growth each year

    Where many investors come unstuck is when they make some fundamental mistakes and I am seeing it happen right now

    Mistake # 1

    They buy an investment in an overheated market that is at the top of the cycle.

    Mistake# 2

    Because the market is at the top of the cycle there is virtually no negotiation and no upside on the purchase price

    Mistake # 3

    Because the purchase price was so high, the yield is very low and that means the investor must spend more of their own money each month to top up the mortgage. It’s then a matter of waiting, sometimes for years, before the property has sufficient capital growth and rent increase for the investor to purchase another property.

    It’s crucial to buy the right property, in the right time of the property cycle and for the right price to ensure that there is fast capital growth to enable more property purchases.

    These 3 factors require a deal of skill and using an experienced Buyers Agent can mean the difference between buying one property every 5-7 years or buying one property each year for 10 years.

    If you need to super charge your portfolio, start working with an expert who can make it happen.


  • Investing is definitely not an exact science but there are a few fundamentals that you need to do when you start thinking about investing in property. Here are my 3 top tips to get you started: 

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    Investing is definitely not an exact science but there are a few fundamentals that you need to do when you start thinking about investing in property. Here are my 3 top tips to get you started:

    Top tip # 1: Make sure you start to invest as soon as you possibly can.

    The people who make the best gains in property are those who hold their assets for at least 10 and preferably 20+ years. This means that the properties have seen several cycles of growth and are well and truly cash flow positive. This puts you in a strong position to keep on investing using the equity in the properties and to build a well performing portfolio.

    Most people don’t realize how many properties they can actually purchase using their income and equity from property and so tend to put off starting to invest. This decision could means the difference of hundreds of thousands of dollars lost in opportunity cost over the course of a 5 – 10 year period.

    Top tip # 2: Hold onto your best performing assets.

    It’s really tempting to sell an asset that has outperformed in the market and provides you with a large chunk of cash. Make sure that you have a reason which forms part of your overall investment Strategy before selling off your equity. You read that correctly! While the money sits in your asset (investment property) it enhances your equity position and will allow you to buy more properties. If the property is sold, the equity is relinquished and you will most likely pay capital gains tax on the gain depending on the structure in which the property is held.

    True wealth building works on the Strategy of continuing to acquire investment properties in growth areas and using the equity to build a portfolio. Few people achieve this goal of building wealth with great success because many become disillusioned with the underperformance of their properties and sell them before they start to perform.

    Top tip # 3: Teach the next generation how to build wealth.

    I meet a lot of people who are investors and often they express dismay at the increasing issue of unaffordability in the property market. They are really concerned that their kids will not be able to afford to buy property. I can understand why parents would want to buy a property for their kids but essentially they are not teaching their kids how to create their own wealth. They are merely giving them the gift of a property. Now, there’s nothing wrong with that idea – I’m sure the kids will love it.

    A much better way of demonstrating how to build generational wealth is to build a strong investment portfolio and show the kids how it’s done. A little help along the way is probably mandatory but the ‘learning’ is definitely in the ‘doing’. Teach them how to build their own property portfolio and watch that generational wealth grow. I call it ‘financially future proofing your kids!


  • The media would have us believe that property, particularly in Sydney is completely out of reach for most younger Australians. Affordability is an issue but it doesn’t mean that our children can’t get into the property market.  

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    The media would have us believe that property, particularly in Sydney is completely out of reach for most younger Australians. Affordability is an issue but it doesn’t mean that our children can’t get into the property market.

    These days people are more interested in lifestyle and choosing where they want to live is usually high on their agenda. Living near the beach in Sydney, for example, is more affordable if you rent but unaffordable for most if you want to buy.

    So then, let’s cast the property net further. Because our interest rates still sit at historically low levels, there are many Gen Ys investing in positive cash flow properties around the country and building their asset base in a sustainable way.

    As far as Sydney property is concerned, all property markets come back to balance in time and there will be a correction in this market, there’s no doubt about that.

    No one knows when the correction will happen and experienced investors don’t really care because they have long moved away from buying investment properties in Sydney.

    So the important questions are – how do we help our kids get into property and where should they be buying?

    Here are my 6 best tips for anyone wanting to buy Property. Parents can encourage their kids to do the following:

        1. Get rid of all personal debt including credit cards.
        2. Start saving as soon as you have an income. Those who become particularly good investors often start when they get their first job and are exceptionally good at saving their income.
        3. Save a 20% deposit for your property (if this seems unattainable then have your savings locked away in an account so that you can’t spend it)
        4. Set yourself a goal and a time frame to save e.g. I will save $1000 each month for the next 4 years. With interest this will be a great start towards the deposit.
        5. Get advice from a Professional Investment Property Advisor before you buy.
        6. Make sure you ask about finance, structure, costs and cash flow before you purchase a property.

    There are plenty of affordable properties around Australia and if the goal is to start to build an asset base by purchasing investment properties, then the time to make a start is right now.

  • A Celebration of Women

    Mar 07, 2017


    While International Women’s Day is always a time to reflect on how far we have come and to celebrate our successes and achievements, it is also the perfect opportunity to look at how we can keep pushing for gender equality with a focus on education and financial literacy. 

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    While International Women’s Day is always a time to reflect on how far we have come and to celebrate our successes and achievements, it is also the perfect opportunity to look at how we can keep pushing for gender equality with a focus on education and financial literacy.

    Here is where we need to be taking our daughters, sisters, mothers and aunts aside and having some heartfelt conversations around how we can continue to strive to be financially independent. This should be the goal no matter whether we are single or partnered. When we are financially independent we are better equipped to make decisions around our health, career path, relationships and other lifestyle pursuits. Put simply, we have choice as to what we do with our lives.

    You see, many believe that in order to achieve financial independence we need to have at least equal pay to our male counterparts. This has not been proven, in fact, women can achieve a higher net worth starting on a lower income by investing in strong income producing assets. Here’s where to start:

    • Educate yourself on what are great income producing assets and the purchase costs involved.
    • Have a Strategy around what you are trying to achieve by investing in those assets.
    • Make sure that you are gaining your financial insight / education/ mentoring from those who have achieved what you are seeking for yourself.
    • Help one another to achieve those individual goals.
    • Know how to manage your money well by firstly knowing how much you earn, spend and save.
    • Know how much money you have in your Superannuation account and ask questions around ways to maximize that money (your future self will thank you for this)
    • Seek expert advice to get you started and then stay on track to building your financial independence.
    • Together we can achieve so much more that individually.

    Investing is about taking hold of the opportunities that come before us and when we embrace those opportunities and make a commitment to ourselves to have financial independence, that’s when we see changes in ourselves, our families and our communities.

    It’s time to start having those honest conversations around how to be financially independent and lifting one another up to get there.

    Gender equality may take a while yet but we can certainly be proactive in the meantime and start to invest.

  • Indecision

    Feb 21, 2017


    “Indecision” It’s the biggest killer of your Dreams. 

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    “Indecision” It’s the biggest killer of your Dreams.

    Over the years that I have been mentoring property investors I have noticed there are definitely two types of people when it comes to investing. There are those who make decisions based on the facts presented to them and there are those who do not make a decision no matter how compelling the investment property facts are and how much they actually want to invest.

    I call this indecisiveness “analysis paralysis”. You have probably heard that term before – given to those who sift through every minute piece of information on a given investment and then over analyse it. This effectively paralyses them and they can’t make a decision. Usually they are waiting for the “perfect” investment property and it doesn’t exist. Hence, they don’t invest at all.

    Years later, there is usually regret on their behalf for not investing even though there was plenty of opportunity. The price of property has probably risen significantly and the realisation that the potential to make large sums of money has been lost, can really bite hard.

    Any form of indecision that stops you from buying a good investment costs you dearly in the long run.

    We can accumulate money (income) but if we are not investing as well, I would argue that we are not creating long term wealth.

    On the other hand, those who make an informed decision given all the information, are well and truly ahead in the property investment stakes. Their investment strategy is sound because they have understood their criteria and risk profile and invest accordingly, building strong property portfolios.

    The proof is in the outcome. For those who have been investing in property for at least ten years, the evidence proves that the difference can be a huge windfall for investors – simply because they made a Decision.

    Are you killing your investment Dream?
    Now is the time to invest.

    If you need a hand with property investing, give our happy team a call.


  • I met a lovely client about two years ago and those were the first words she uttered. “We need help. We’re paying way too much tax. Please help us.” 

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    I met a lovely client about two years ago and those were the first words she uttered. “We need help. We’re paying way too much tax. Please help us.”

    How much tax were they paying you ask? In the last financial year they had paid $370,000 in tax. My jaw hit the floor and my question was, “Why are you doing that?”

    Mary and her husband John had paid similar amounts of tax for the past 4 years. John had a successful business in the city and in their own words they were “risk averse” and thought that purchasing an investment property to offset some of their tax liability was far too risky. They had paid the tax office almost $1.5m in the past four years and their accountant had begged them to do something about the situation. He had suggested buying a few negatively geared properties to legally offset their tax liability. They had taken a look at some investment properties but just didn’t know what was a great investment and how the process of purchasing worked. Rather than make an investment ‘mistake’, they had continued to pay incredibly high tax.

    The first step in meeting this challenge was to work with the couple on their investment Strategy and that involved looking at blue chip investments that were negatively geared so that they were able to get some tax benefits as well as investing in appreciating assets for their future retirement. As they were risk averse, it was important to look carefully at their cash flow and ensure that they were completely comfortable around particular investments and their outgoing costs.

    Mary and John were quite like other business owners that I have worked with, in that they were stuck in the trap of spending all their time in their business and didn’t consider that at some point in the future they will want to either step back or sell the business and will need some income streams to cash flow their retirement or the next stage of their lives. Building an investment property portfolio has a twofold effect, providing some tax relief in the first instance whilst creating income streams that are appreciating in value.

    Since then, Mary and John have built a profitable, diversified property portfolio over the past 3 years which has achieved over $200,000 in capital growth. They have purchased 3 homes in Queensland and NSW. Assistance was needed at every stage in the purchase process as the couple had never purchased investment properties before and were also time poor.

    They are now in a great financial position as they have leveraged their income into appreciating assets that will give them more options for the future. Getting the right property investment advice was crucial to their investment decision making and using the ‘end to end’ service meant that they were easily able to achieve their investment goals.


  • I’m guessing that you really want to make 2017 count and that would definitely include making sure that you’re financial position is moving forward.  

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    I’m guessing that you really want to make 2017 count and that would definitely include making sure that you’re financial position is moving forward.

    The majority of people holding large sums of cash in bank accounts, term deposits and the like believe that their money is secure but they are paying a very heavy price for parking their cash in the bank. With the inflation rate currently at 1.3% (Quarter 3 2016), your money is on ‘holidays’ for 360 days of the year!

    The Sydney housing market on the other hand was up by 10.6% in 2016. In fact, every capital city saw housing values increase with the exception of Perth and Darwin. The number of property investors entering the market over the past 2 – 5 years indicates that there are many people out there who want a much better return on their dollars and they’re choosing property as the vehicle to make it happen.

    So, if you want to start investing right now, what do you need to do?

    Step 1:

    Get your income tax up to date.

    In order to get a pre approval for a loan you will need to ensure that you have your tax return done. This will enable a mortgage broker to quickly know your financial position and ascertain how much can be borrowed.

    Step 2:

    Get a pre approval for your finance.

    When you have completed this step you are in the best position to start looking at the right property type, in the right location to add to your portfolio. Whether it’s your first property or your fiftieth property, you will need finance pre approval.

    Step 3:

    Get an experienced Investment Property Advisor.

    There is no limit of property investment information available to you. Trouble is, there’s so much confusion around ‘Where to buy?’, ‘What to buy?’, ‘When to buy?’, ‘How much should I pay?’, that a percentage of people NEVER buy anything for fear of making a mistake. Now add to that the challenge of having enough time for the due diligence required and navigating their way through the purchase process. It’s little wonder that MANY people don’t even end up purchasing one investment property, let alone build a portfolio.

    Those clients who use an Investment Property Advisor are 94% more likely to have an individualized investment Plan and purchase an investment property within 6 weeks of meeting and starting to plan with their Advisor.

    2017 is the year that can make the difference to your financial future and it starts with you taking Action.

    Call Julie now to start the conversation.

    If you want a better return on your money
    If you want to know where Investors are investing right now
    If you want to know the right type of property to buy in those areas
    If you want access to a great, experienced team – Property Advisors, Mortgage Brokers, Accountants, Conveyancers
    If you are ready to start now

    Call Julie now 0421 631 925 and get started.


  • There are many of you reading this blog who currently invest in property but you may be a little surprised to know that the ATO reports that in 2016, 47% of Australian investment properties are owned by women. 

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    There are many of you reading this blog who currently invest in property but you may be a little surprised to know that the ATO reports that in 2016, 47% of Australian investment properties are owned by women.

    Women are becoming much more proactive in the property space and tend to be long term players, holding their property portfolios for sometimes decades and reaping the huge benefits to be made from this strategy.

    ‘Of the 927,000 Australian women who own an investment property, 570,000 of them use negative gearing to build wealth and save for retirement.’ There’s nothing too staggering about that statement except to say that for those of you out there who have to buy positive cash flow properties – there’s nothing wrong with negative gearing – especially if you are currently an income earner in the top tax bracket!

    Seriously, as part of an overall investment strategy you might consider having a mix of positive cash flow and negatively geared properties.

    What I did find quite staggering is the ATO also reports that ‘in every age demographic, more than three quarters of women employing negative gearing have taxable incomes of less than $80,000 per year.’

    This blows away the myth that many people hold that you need to have a high income to invest in property. Obviously no one mentioned this to the women who earn an average income and invest anyway! The strong message here is that whatever your income, get some education and a strategy around how you can invest so that you start to build an income stream ( or several) for your future.

    Last week I hosted a Webinar, ‘Women + Wealth’ and had just over 100 attendees, most of them women.

    I asked the question “How many ladies currently manage the finances and make investment decisions in their relationship?

    There was an overwhelming response to that question. There were only 2 who said that they shared the decision, 1 that did not have any say in the management of money and investments and the rest were the decision makers and drivers of finances and investment in the relationship.

    One reason for this being that many women have more time to devote to the research and education aspects of investing while their partners are perhaps earning high incomes and are time poor.

    The other reason is that women have become much more savvy in the past decade when it comes to investing and are often investing independently of their partner and using their own money to do it.

    Women invest because they understand that in order to build a future that is in line with their current lifestyle, they will need to invest some of their current income to achieve it.

  •  

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    How Do Really Smart Investors Pay Off Their Home Loan in Record Time?

    Imagine if you could get a home loan for as low as 2.5%?

    Just think about how fast you could pay down the debt on your own home loan and then you would be ready to start doing some serious investing?

    What’s that I hear you say? Where do I get a home loan rate of 2.5%?

    Since joining forces with The Property Mentors, I can now offer clients an amazing home loan rate of as low as 2.5% with a major bank but there is a catch (you knew there would be). You need to also have a loan on an investment property to qualify.

    This product is called “Loan Reducer” because it does exactly that – it is designed to reduce your own home loan. We call this “dialing down” your loan rate to as low as 2.5% and at the same time “dialing up” your investment rate to 5.99% and still claiming all the interest on your investment property loan.

    There has been a tax ruling from the ATO on this recently so my suggestion is to act really fast and take advantage of this package while it is still available.

    Now most of my investors will qualify for this loan and that’s why I’m letting you know about it.

    If you know of any other investors who are treading water with their home loan and investment loans let them know that this package could be suitable for them.

    At last there is a smarter and faster way to reduce debt and at the same time build wealth in property.

    Contact Julie now to get more information.


  • I overheard someone talking about this topic the other day and couldn’t help but take interest. 

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    I overheard someone talking about this topic the other day and couldn’t help but take interest.

    The conversation went something like this:

    “I can’t believe how little I’m getting in bank interest on my money. It’s like I go to work every day and work really hard but my money which is safely tucked away in an interest bearing account sleeps in till midday, gets up, makes a snack and watches all the afternoon soaps on TV and when it feels a bit weary has a little nap. It may then work for an hour or two but then goes straight back to bed to start the process again tomorrow. That money has been living the good life for years and I’m the one working 50 plus hours each week.

    Doesn’t that sound strange to you that the money you earn is doing so little instead of making your life easier?

    Over the years we’ve come to accept that “that’s just how it is” – we work hard and that money earns a tiny bit of interest and so the nasty cycle keeps us working hard until we retire.

    My question is: Who is still relying on the “saving my money in the bank” strategy as a retirement plan?

    If that’s your plan then you really need to take a hard look at the likely end result of that plan.

    I worked out around 15 years ago that my money wasn’t working nearly hard enough and that it was likely that I would live a very poor retirement lifestyle if I continued with that plan.

    Rather than accept that end result as my fate, I made the decision to stop saving and start investing.

    This one decision meant that I took control of my money and my future. This decision also propelled me to help others who are stuck in the “working hard and saving money” trap.

    Take some time to look at how you are dealing with your money and take action. Get that lazy money out of bed and working hard for you.

    Need to chat about how you can get your money working harder? Call me.

  • Money, Money, Money

    Jan 22, 2016


    Money, Money, Money……. 

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    Money, Money, Money…….

    Are you wealthy? Do you aspire to be wealthy?
    If so, read on.

    Most investors don’t know how much money they will need to save in order to have a comfortable retirement let alone being wealthy in their retirement. The vast majority of people live either at or above their means and find it incredibly difficult to put a reliable strategy in place to know how much money they will need and then go about saving to invest for retirement. I must add at this point that it is impossible to be able to ‘save’ for retirement without making some wise investment decisions that should provide you with an income even when you stop working. The aim is to start early, have an investment goal and keep up the investment momentum.

    Here are some tips to keep you on track to being wealthy in retirement:

    • Don’t put limits on yourself and make sure you explore all the options available to you to grow your asset base.
    • Take steps each day towards your goal and get help if you need it.
    • Seriously question any investment decision that you make and ask yourself “will this decision move me closer to achieving my goal or further away from my goal?”
    • Don’t let others’ negative comments sway you from taking positive actions to achieve your goal.
    • Have a willingness to keep learning about investing so that you are ready to make informed decisions about your investment goal.
    • Make sure your portfolio is diversified to minimize risk.
    • Create a large asset base to provide you with cashflow in retirement.
    • Work with an experienced mentor to keep you on track.

    Depending on the amount of money required in retirement will determine the goal and actions needed on a daily basis to keep moving towards that goal. If you don’t have an investment goal and need to put one in place, then take action today and connect with Julie and make your retirement dreams a reality.

  • Property Pain Points
    I love reading inspirational stories about how amazing women are taking on new challenges and really pushing through their pain points to make some absolutely incredible achievements. 

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    Property Pain Points
    I love reading inspirational stories about how amazing women are taking on new challenges and really pushing through their pain points to make some absolutely incredible achievements.

    Those stories make us feel uplifted and at times we want to emulate those actions to get those types of achievements but………..that’s where most of us stop because we really don’t want to feel the pain to get the gain!

    I’ve just read about an inspiring Sydney based, 35 year old entrepreneur and the challenges she faces in taking her already very successful Australian business to the next level and launching it on the international stage. She could have decided to keep the business as it was – just a great Australian focused business but instead she has put a CEO in to manage the business, sold pretty much everything she owns and is moving her young family of four to the USA. Right now, she is experiencing huge pain. Her decision to propel her business forward means taking some calculated risks with no guaranteed outcome.

    For some people the mere thought of investing in property can be their pain point. For others there are perceived inherent risks and they lack the confidence to make those decisions that will create a great financial future for them. What most people find surprising is that once you’ve pushed through that initial pain point, the rest don’t seem quite so difficult.

    Just like a muscle, you can exercise it.

    Investing in property will create wealth for the future, that’s well and truly been proven. Provided you firstly engage in research and do your due diligence, there’s no reason why you won’t make money. Loads of people have made money from buying, selling, developing and renovating property.

    That’s different to creating wealth however.

    In order to create real wealth that you can pass to the next generation, you really need a thorough investment Strategy that will build wealth. Wealth is not created when you sell. It is created when you can leverage the equity to keep building on that wealth.

    Only 4% of Australians retire “wealthy” because they understand how to build wealth, keep it and leverage it. The way that they achieve this is by maintaining their focus on their property portfolio. To build wealth, you must stick to the Strategy and determine the best assets to keep adding to the existing portfolio.

    The best way to achieve this is to work with a property mentor whose expertise is in understanding your needs and putting together the Strategy that will enable you to achieve it. A mentor will keep you on track to achieve your investment goals.

    Make this the year that you start to create your wealth base and book a time to meet with Julie.

  •  
    I’m often asked how to ‘fast track’ a property investment portfolio and here’s how one savvy investor achieved it. 

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    I’m often asked how to ‘fast track’ a property investment portfolio and here’s how one savvy investor achieved it.

    To build a high performing portfolio, you firstly need to put a strategy in place and stick with it.

    This client’s strategy was to start her portfolio by building a duplex in a growth area. This takes research and due diligence as the location is crucial to the end goal.

    With a deposit of just over $100,000 a duplex package was sourced in Toowoomba and contracts were signed – one to purchase the block of land and the other to construct the property. This process took around six months once the land was registered. There are significant stamp duty savings as it is payable on the land only.

    Once the duplex was completed, a new valuation was undertaken and with strata titling, the property had achieved around $90,000 in equity. This equity was used again to replicate the entire exercise and build another duplex. In the meantime, with both sides of the duplex rented, the property was cash flow positive, meaning that all the rent from both sides covered all the mortgage costs.

    There is no reason to sell any of the properties as they should continue to grow in value (more equity) and provide the ongoing financial ability to keep building more duplexes.

    Naturally this takes time and effort with the strategy being the crucial factor. Where possible it is imperative to continue to ‘hold’ and not sell the properties so that equity and capital growth grows.


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    How many people do you know who never make goals or have a plan for their life? They are content to just “allow” life to happen and make the occasional decision but only when absolutely necessary. On the other hand there are others who set goals and live their lives like it’s their last day on the earth. They are the ‘movers and shakers’ of the world.

    To live a fearless life based on your decisions to make changes for positive outcomes in your life takes courage, commitment and strategy. Here are 6 ways to live a fearless, independent life.

        1. Invest in yourself
        Create the best version of you, physically, emotionally and spiritually. Making a change e.g. losing a few kilos for health reasons, working with a life coach or counselor or joining a meditation group will give you the confidence to take on the next big challenge in life.
        2. Invest in your learning
        If you’ve always wanted to learn a language or learn about art or wine appreciation then make the time to enrich your intellect and broaden your interests and relationships at the same time. So take that class, book a ticket or commit to learning something new.
        3. Have courage
        When others know your story and see that you have set your own path and followed it, they will be inspired to unleash their own energy. Sometimes it just takes one person with courage to step forward and others will see the possibilities for their own lives.
        4. Mentor others
        You have a wealth of knowledge and wisdom that needs to be shared. It is in the mentoring of others that your knowledge and wisdom in your area of expertise is validated and can transform the lives of others. Right here is where you will find that your purpose is central to your passion.
        5. Don’t waste time wishing
        Your life is to be lived according to your rules and you will achieve your goals by daring to go for them! “Wishing” has no part in living a purposeful life and making considered strategic decisions will result in actions. Actions will cultivate a fearless, independent life.
        6. Make your move
        Be brave and take those actions that will effect change in your life. Have an attitude of “whatever it takes, I will make this happen” and don’t back down. Remember, it’s the small, consistent actions done on a daily basis that will bring about those changes that you most desire. Back yourself to make the changes you need to live a ‘Fearless Life’.
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    "There’s lots of people that can’t invest and they’re not quite sure about what to do. These events give you the information and knowledge you need to know. They also give you the support people that would be really helpful for you to get where you want to be."

    "It’s not like a general information. Actually they have a lot of professional knowledge and deep knowledge."

    "Yes! This is something I should look into and can look into with the backing of people who can help!"

    "Yeah, I really am demystified in property investing and I think it’s doable yet achievable."

    "I’d be telling somebody who thinks property is a good idea and they’ve just heard on a grape vine that they should do it, to absolutely come because they’ll get a sense of direction and they’ll start to really think about what’s important to them and what isn’t really that important and then they’ll start to make better decisions, so they should do it."

  • The simple answer is as many as you can afford.  

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    The simple answer is as many as you can afford.

    However, calculating that amount, or total can vary significantly depending on your circumstances.

    Some people have over 50 houses in their name, and some have 100’s of houses in various structures such as trusts and companies.

    The trick is to change your perspective.

    And then to start asking different questions.

    For instance “How many investment properties can I buy?” is one question. But a potentially better question might be “Do I want many investment properties?” and if so “Why?”

    These questions then lead you to why you are doing what you are doing and why you want to have multiple properties. Now, if you want to be rich and retire that’s one answer if you want to pass on a legacy to your children that’s another answer.

    All of these questions and answers make you think further down the road. They make you start to think about the reasons you are purchasing and the end goal. This then brings into the question if you intend to keep the properties or sell them and the tax implications which will in turn determine your structures.

    There are pros and cons to owning property in your own name, but here are also additional expenses in setting up complex structures such as companies and trusts. The answer to the question “How many investment properties can I buy?” is, it depends.
    It depends on you and what you want to do.
    It depends on your end goal and your exit strategy. (Do you intend to sell the properties or keep them).

    Another change in perspective you need to consider, is looking at yourself from the lenders point of view.
    If you are young you have youth on your side and many years ahead to pay back the loans.
    If you are more mature you have experience and a proven track record, but a 20+ year mortgage may not be feasible.

    Are you purchasing on your own or in a group? Do you have sufficient deposit and funds for costs? Do you have sufficient income? What are you purchasing? A single unit has only one income but a granny flat makes it two, this could impact borrowing capacity.

    So to be specific in answering this question is almost impossible in this forum.

    What you need to do is to speak to someone who can assist you.
    Someone who can assess your personal situation, relevant to you, your capabilities, your objectives and goals.
    Only then will you be able to accurately assess how many properties you can purchase.

    If you are unsatisfied with the above answer though and insist on a specific answer now, then the following will suffice in general. As long as you have sufficient funds for deposit and costs. (Deposit assume 20%, costs assume 5%) Sufficient income to service the loan shortfall (Assume only 80% of rental income and assume an interest rate of 8% to be safe) As long as the lenders don’t consider you a risk, you can buy as many properties as the above will allow.

    If you are stuck, confused or would like to discuss your particular scenario then please feel free to give me a call or email me on the following contact details.

  • It’s about time that consumers were better protected and here is one example of measures being taken to protect investors purchasing “off the plan” properties. This is an article from ‘Your Investment Property’ magazine (2.11.15) 

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    It’s about time that consumers were better protected and here is one example of measures being taken to protect investors purchasing “off the plan” properties. This is an article from ‘Your Investment Property’ magazine (2.11.15)

    Buyers of off the plan developments in New South Wales will soon have increased protections, with the state government to introduce laws that will make it harder for developers to enact sunset clauses.

    Sunset clauses in off the plan developments allowed the purchaser or developer to rescind an off the plan contract if work had been significantly delayed; however, the government had become concerned developers were deliberately delaying work so they could cancel existing contracts and resell properties at a higher price.

    Under the proposed changes, which NSW Minister for Innovation and Better Regulation Victor Dominello will introduce to parliament later this month, developers will have to justify any sunset clause termination of an off the plan sale

    If a purchaser does not give their consent, then a developer will be required to apply to the Supreme Court for leave before any termination can take effect.

    “The NSW Government has listened to the concerns of its citizens and is taking action. We are committed to ensuring certainty in the property market and to protecting the rights of those who purchase off the plan properties,” Dominello said.

    “The NSW Government is putting developers on notice that from this day forward if they use a sunset clause for no other reason than to reap a windfall profit at the expense of the purchaser – then they do so at their own peril,” he said.

  • If you want to live comfortably in retirement we’ve been told that we will need around a million dollars, not including our family home. 

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    If you want to live comfortably in retirement we’ve been told that we will need around a million dollars, not including our family home.

    That’s a huge amount of money for most people to acquire and it challenges us to consider just how we can achieve that million dollar goal.

    One way is to invest in property but it really takes a comprehensive strategy to ensure that you hit the mark.

    Most people start out with good intentions when it comes to property investing. For example, they buy a property and the intention is to use the equity from the first property to fund the deposit for the next property in the near future.

    That’s a good plan but it takes discipline for most to stick to the original strategy and keep building a portfolio.

    As we know, property takes around 7 – 10 years to double in value and some may take longer so it’s really a measure of discipline and patience that’s required to hold property for the long term. Preferably, it’s best to hold property for even longer if possible.

    Investing needs to become a part of your lifestyle, as natural as say, taking a holiday. It’s a great idea to start investing as soon as you have full time income so that your life is geared to earning an income and investing some of it for the future. The enormous benefit of this will be found in the compounding effect of the money invested over time.

    However, there are usually several “life” challenges throughout the 20+ year time frame of building that portfolio, such as finding a partner, starting and raising a family, buying your own home and building a career.

    All of these life experiences cost a great deal of money and for many people, property investing takes a ‘back seat’ until such time as they can afford to continue investing.

    So the message is most emphatically, “stay the course” when it comes to investing and as you are able to add another property to the portfolio, do so.

    The truth is, there’s no real way of ascertaining how many investment properties will be needed to fund a comfortable retirement so it makes sense to continue building your portfolio. That way you will have many options for the future.

  • There are many people who rate ‘fear’ as the reason why they don’t invest in property. Here are the most common responses when asked just what they are most fearful of: 

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    There are many people who rate ‘fear’ as the reason why they don’t invest in property. Here are the most common responses when asked just what they are most fearful of:

    1. Tenant wrecking the property
    2. No tenant for a period of time
    3. Interest rates rising
    4. Losing my job
    5. Life circumstance changes
    6. Worried about what others think (about my investment choice)
    7. Failing to achieve my investment goals

    Any one of these circumstances could significantly impact a person’s life, there’s no doubt about that!

    In reality, property investors face the chance of at least one or maybe several of these situations occurring during their investment journey. The one thing that makes the difference when investing is to ensure that you have a mentor to assist you. A mentor is someone who has walked the journey and can advise on how to manage through the great times and the less than great times of holding property and building a portfolio.

    So how does an experienced property investor cover off on those seven circumstances?

    Firstly, it is an absolute “must” to have landlord insurance on an investment property. This covers for malicious damage as well as loss of rent. In the event that the less than desirable tenant damages the property or takes off without paying their rent, you can claim on insurance.

    If there is a vacancy period that extends to weeks, it’s essential to get some strategies from your mentor. It might mean dropping the rent for the first 3 months to attract a tenant with the condition that they will pay market rent after the first 3 months. There are several strategies that will work but importantly, you need assistance at this point or it will cost you dearly.

    When interest rates move upwards, there’s usually a point where people panic but those who are smart investors, they have already factored in a rate rise or two in their planning. While interest rates remain at historically low levels, it is wise to plan ahead and always make your property acquisitions affordable so that you can hold the portfolio for the long term.

    Losing an income by job loss, prolonged illness or maternity leave can have a profound impact and it is imperative to have a financial buffer in place for such an unexpected event. It always make sense for property investors to have themselves financially covered in the event of a change of circumstance.

    Some people are very concerned about what ‘others’ think of their property investment goals. My suggestion would be to keep your investment decisions to yourself if you feel that others will give a negative opinion regarding your choices. It’s interesting that in the baby boomer generation, it was incredibly important for them to achieve the “Great Australian Dream” of owning their own home. Most boomers have done exactly that and have now encouraged their children to do the same but there’s one huge problem – to enter the property market today in Sydney, with median prices of around one million dollars, a young couple need a 20% deposit and most struggle to achieve it.

    Many young people have decided to turn that idea completely on it’s head and rent where they really want to live and buy investment properties, sometimes right around Australia, as a means of getting into the property market. This strategy actually makes a lot of sense as they can afford to buy and hold more property, using equity from each to build a property portfolio as well as having the benefit of tax deductibility.

    One thing is for sure, if you don’t make a start towards having an investment strategy and working towards your investment goals, you will most certainly fail to achieve them.

    What Scares You The Most About Property Investing?
  • Earlier today, the hot topic, yet again, was that the gender pay gap has widened and that women will retire with $70,000 less than their male counterparts. There has been much debate and seemingly very little action when it comes to this issue. It is a complex one, in that, most women don’t think that they will be a statistic and yet women continue to stick their collective heads in the sand and the gap continues to widen. Those most at risk are women in their forties, fifties and sixties who become single due to divorce or the death of their partner.  

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    Earlier today, the hot topic, yet again, was that the gender pay gap has widened and that women will retire with $70,000 less than their male counterparts. There has been much debate and seemingly very little action when it comes to this issue. It is a complex one, in that, most women don’t think that they will be a statistic and yet women continue to stick their collective heads in the sand and the gap continues to widen. Those most at risk are women in their forties, fifties and sixties who become single due to divorce or the death of their partner.

    On the surface it seems that the issue of gender pay gap is too large to tackle and maybe it’s just best to leave our fate to the future but underlying the issue is one that most do not want to contemplate – a lack of understanding of money.

    Women often defer money matters to their male partners even though statistically they are often the major income earners in the household.

    Women aged 25 to 40 are the fastest growing wealth demographic and 80% of all purchasing decisions in Australia are made by women.1

    Women have enormous influence when it comes to driving economies:

    Globally, women are an economic force more powerful than India and China combined. They are key financial decision makers in most households yet, at current forecasts, many women will end up living in poverty in retirement if things don’t change. 2

    There is a way forward and it starts with money education and mentoring. There needs to be education around all things related to money i.e. understanding saving, investing, leveraging money, good debt, bad debt and how to be in control of money instead of it controlling you.

    There is also a strong message for our daughters, sisters and mothers and that is to start having real conversations around money and take responsibility for your own finances. One thing is for sure: No one needs to live in poverty in retirement but women must start working towards financial freedom and making wise investment decisions for the future. They have the ability to potentially transform their retirement outcome to one that is positive and life changing.

    (source 1: Harnessing the Power of the Purse: Female investors &Global Opportunities for Growth, Centre for Talent Innovation 2014)

    (source 2: What Pay Equity Means For Women, Equal Opportunity for Women In the Workplace Agency

  • For far too long and for too many generations, money has been considered a dirty word. How do I know that? Well, money is just not talked about, not even in most families. Many people that I meet could have been investing for at least a decade but hadn’t done so because they didn’t believe that they had enough financial resource to do so. They don’t even have a conversation around what may be possible for them to grow their assets. 

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    For far too long and for too many generations, money has been considered a dirty word. How do I know that? Well, money is just not talked about, not even in most families. Many people that I meet could have been investing for at least a decade but hadn’t done so because they didn’t believe that they had enough financial resource to do so. They don’t even have a conversation around what may be possible for them to grow their assets.

    There is a disconnect between our relationship with money and how we can use it to actually make more money.

    Women in particular tend to lack financial confidence, often deferring to their spouses on financial matters. The interesting thing is that research shows that women actually make better investors than men. According to Robin Powell in his article “Why Women Handle Market Corrections Better Than Men,” women tend to be more cautious than men and less competitive. Once they’ve decided on a plan of action they’re often better than men at sticking to it; and they’re not as likely either to follow the herd.’

    For some reason we think that investing is difficult and it can sometimes be perceived as risky.

    This is where good quality education can make all the difference. I can’t stress enough the necessity of getting educated around finance. After all, you can’t delegate your financial future and hope that everything will work out well for you. Women, in particular, need to learn how to invest their money to make it last a lifetime.

    Having conversations around money, financial education and investing will also prepare the next generation for making wise decisions around their finances. After all, if money funds you’re here and now, then let’s make it fund your future and fuel your dreams.

    Is Money a dirty word
  • If you are a first time buyer trying to buy a property in the Sydney market right now, you may be feeling some pain. 

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    If you are a first time buyer trying to buy a property in the Sydney market right now, you may be feeling some pain.

    Let’s face it, the Sydney market has made impressive gains in the past 18 months or so and this is due to a few factors:

    • Historically low interest rates over a prolonged period of time
    • Infrastructure projects such as the second airport at Badgery’s Creek which creates jobs in construction and well into the future
    • Supply and demand has fueled increased prices – not enough properties and many more people needing to buy
    • Families upsizing into larger properties
    • Couples downsizing into smaller properties for retirement
    • Investors who are disenchanted with the share market and want to invest in ‘bricks and mortar’
    • Foreign investors buying into the property market
    • The fear of missing out on getting into the market

    There is now a different kind of fear in the market and that is based on the fact that when the property market hits the top of it’s cycle, it will correct and property values are likely to fall. In other words, the bubble bursts. But the real question we need to be asking is “Are we actually in a property bubble?”

    If we consider what happened to the value of property in the Sydney market over the past 8-9 years we see that overall the market was fairly stable with the exception of the GFC period where properties decreased, mainly because there was a fear of doom in the market.

    It is arguably the case that in the last 18 months or so, Sydney property has ‘caught up’ to where it would have been anyway, maintaining it’s upward trajectory.

    With this in mind, there’s still room for some growth. The real growth areas remain in the outer western suburbs where whole communities are being planned and constructed along transport links that will provide easy movement around the city.

    Investors need to pay close attention to those areas that are affordable for most people to live, to rent and to enjoy some lifestyle.

    Some caution does need to be taken however, because at some point in the future, the Sydney market will reach a ‘tipping point’ where people will not be able to afford to borrow at such high levels or there is upward interest rate movement and at that time, there will be a correction in the market.


  • The API Solutions Smart Investor Event was a jam-packed day full of property education and the expectation that everyone attending would walk away with the knowledge and confidence to know how to start on their investment journey. They were not disappointed! 

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    The API Solutions Smart Investor Event was a jam-packed day full of property education and the expectation that everyone attending would walk away with the knowledge and confidence to know how to start on their investment journey. They were not disappointed!

    The video testimonials blew us away and due to numerous attendees wanting to invite their family and friends to the next event, we are excited to announce the last API Smart Investor Event for 2015. This is an absolute “must experience” event that will show you several different investment strategies to jet propel your investment goals.

    Smart Investor Property Smart Investor Property

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