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Your Binge Guide to the Foundations of Property, Finance and Money Management

By in Free Resources

It’s FINALLY here! Now we know that it’s getting harder and harder to catch up to all our episodes. That is why we’ve prepared this Binge Guide to our First 20 Episodes of the podcast because these episodes are all about the foundation of property, finance and money management. In other words, it’s alright if you skip some of the podcast but not these ones! πŸ™‚

So what are you waiting for? Fill in the form below and we’ll email it to you right away.


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What to expect in this 90-pages long Cheatsheet?Β 

  • The Foundational Knowledge in each of the First 20 Episodes
  • The Absolute GOLD that you should not miss out on!
  • Short snippets of quotes from Bryce and Ben that makes all the difference
  • Links to all the Free Resources that they mention in those episodes
  • Additional bonuses that will help you in understanding the Fundamentals more!
  • And of course… Charts and graphs that you can’t find on the podcast!

 

 

And here’s what it looks like inside!!

Interested? Fill in the form below and we’ll email it to you right away.


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New Property Software | Volunteer Testers Needed

By in Uncategorized

(We’ve hit our limit!)

Thank you for your interest but we’ve hit our limit of 100 volunteers already. The response on this was more than what we expected!

Since you’re here, please don’t miss out on our recently published report, The Golden Highlights | Your Cheatsheet to Property, Finance and Money Management!

>> You can download it here.

 

———————–

 

Do you have some doubts onΒ a particular propertyΒ that you own?

Are you wondering if you should let it go?

Are you interested in using data to back up this decision?

 

If you answered yes to all of the questions above, we want to hear from you!

We are looking for 100 volunteers to trial and kick the tyres for this new software that we are hoping to launch soon but we need a good sample size of property owners to test it first.

We can’t give anymore away but this beta testing will require you to fill in 3 surveys. You’ll need to spend no more than a couple of hours for this testing, spanning across a week.

And of course, as part of a recognition and appreciate to your time and effort, we will be giving you a FREE ONE MONTH Access to our Location Research Software, LocationScore!

 

 

 

 

199 | Q & A – Future Proofing your Portfolio in a Changing Market

By in Podcast, Q&A

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Folks, with State Election around the corner and the Federal Election less than a year away, it’s time to future-proof your portfolio.

The market has changed and will continue to change. We’ve also got some challenges in the Macro landscape as well β€” lending regulations, potential changes to negative gearing and interest rate rises, just to name a few.

So you might be asking yourself, β€œHow is it still possible to build a property portfolio and earn $2K per week in passive income with all of this other stuff happening?”

And you’ve got a good point. There IS a reason to be concerned, but this does NOT mean you have to abandon ship altogether. Far from it.

So in today’s episode β€” before our Surprise Superstar Guest joins us next week for our 200TH EPISODE!! β€” we’re going to answer some of your questions about how to do exactly this.

 

This is just a few of the things we’re discussing:

 

Before we get to the questions, Ben is coming to all of you who are based in Perth! As the Chair of PICA of course. Details below:

When: 6:30 pm – 9:00 pm AWST, Tuesday, 4 December 2018
Where: Queens Building, Lecture Room, Level 1, 97 William Street, Perth, WA
Cost: FREE!

Link to secure your ticket: Reserve your Seat here

 

And if you’re after the video that Bryce mentions in today’s show to Know Your Number… Watch it below or click here to watch it now.


 

Finally, the questions we’re answering today…

Question from Mirella:

When talking about earning $2,000 per week in passive income is this measured before or after outgoings; eg. rates, land tax, etc.?

 

Question from James:

Trying to build a portfolio whilst the future of interest rates and a change in government and a change to negative gearing could potentially impact the market. How should one approach 2019?

 

Question about market sentiment/right time to buy from Kirthika:

Thanks for this session guys! Quick Q… there’s a lot of media activity discussing the impending drop in property prices over the next few years. As a result, my husband and I are worried about investing now? in the event we could buy for cheaper in a year! What are your thoughts?

 

Question about increasing cash flow and paying off debt from Nipper:

I feel confident with how to select investment grade properties. But I’m not so sure on how to hold them then get to the cashflow stage. Do you propose changing loans to P&I or selling down some properties to then pay off the debt of others, or something else?

 

Question about having no equity from Dan:

You mention using equity. If you don’t yet have access to equity… do you have any tips to get started?

 

Question about realising equity for cash flow purposes from Kosta

Do you ever recommend using some equity release to pay the monthly repayments to improve cash-flow?

 

 

 

198 | Nine Ways to Navigate the Credit Crunch

By in Podcast

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Folks, if you’re playing the long-term game in property investing, you’ve got to know how to navigate the credit crunch!

And what do we mean by this??

… You MUST build financial muscle in order to succeed at the game of lending! Because folks you can NOT save your way to a passive income. You just can’t.

What you need is access to credit and an ability to optimise this credit so that it works in your absolute best interest.

But of course, there’s an elephant in the room here, isn’t there??

The lending landscape has changed, folks! This can be seen from APRA’s lending restrictions all the way to the banks feeling the pressure following the Royal Commission β€” both of which are just the tip of the iceberg property investors are now facing when it comes to accessing finance.

So. Here we are at the messy middle…… how can YOU cut through these challenges and still get the lending results you need??

Well, we’ve got 9 Tips up our sleeve to help you do just this folks!!!

 

Before we kick off the key learnings, here’s a couple of reminders from today’s episode…

1. Have you got a copy of Make Money Simple Again yet?

Grab a copy with 20% Discount here! Just use this coupon code: TPC20

Not ready to buy the book yet? No worries! Just download the Free Chapter here and check it out. πŸ˜‰

 

2. Looking for the Facebook Group? Click here to join!

 

 

 

197 | Our Embarrassing True Stories: What Was Money Like in Our Own Lives?

By in Podcast, Real life stories

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Normally personal stories about money stay secret… Β up until this episode!

The truth is folks β€” it’s not really the β€œdone” thing to have a conversation about money, is it? Almost always, there’s this societal expectation to throw money matters β€” the real truth of your financial situationβ€” off the table and bury it in the overflowing junk drawer.

After all, talking about money is embarrassing, right?

Well… not anymore!!

Today folks, we’re attempting to lead by example β€” so we’re simply going for it! We’re going to get real and vulnerable and we’re going to share with you OUR OWN that have shaped our relationship and habits with money.

In other words: we’re going to reveal what’s really happened in our life up until now (yep, this includes revealing some childhood influences), which might explain why we’re so obsessed with finance and on a two-man-and-a-couch crusade to help others excel in managing their own money!

So, yep. These stories include the good, the bad and plain embarrassing.

Ready to start the money conversation?

 

A glimpse into our embarrassing true stories…

 

And make sure you download your FREE CHAPTER of our latest book, Make Money Simple Again for more tips and money management hacks!
FREE CHAPTER of Make Money Simple Again – RRP $29.95 ———- >Β  Click here to download or just fill in the form below and we’ll email it to you right away!

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RBA Nov 2018 Announcement – When Will RBA Move Rates?

By in Podcast, RBA Announcement

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Hello folks, as promised, we’ll be posting Ben’s short commentary on the RBA Cash Rate Decision on a regular basis!
Let us know if you like this segment below! πŸ™‚

So, on this Melbourne Cup Tuesday, what will be RBA’s decision on the cash rate?

Let’s start with some positive news! The seasonally adjusted unemployment rate has unexpectedly dropped to 5% in September 2018, the lowest job rate since April 2012 while markets estimated 5.3%. But what about wage growth?

Ben will be unpacking how this will be affecting the RBA’s decision to move the cash rate, which had been at 1.5% since August 2016. And of course, a bit of an update on the equity and property market as well!

There’s still buying opportunities in that particular market; but you’ve got to be very, very careful in terms of where you’re buying. So stick to the fundamentals and focus in on where you’ll get that good return over time.

Looking for the CoreLogic’s Monthly Housing Update? Click here to find out more!

If you’d like to check out his previous commentaries, click here.

 

 

 

 

DISCLAIMER: This video is general information only and is an opinion comment by Ben Kingsley. The information contained in this video is for Australian residents only. The information does not take into account the particular investment objectives or financial situation of any potential viewer. It does not constitute, and should not be relied on as, financial or investment advice or recommendations (expressed or implied) and it should not be used as an invitation to take up any investments or investment services. No investment decision or activity should be undertaken on the basis of this information without first seeking qualified and professional advice.

The Property Couch, its employees or contractors do not represent or guarantee that the information is accurate or free from errors or omissions and therefore provide no warranties or guarantees. The Property Couch disclaims any and all duty of care in relation to the information and liability for any reliance on investment decisions, claiming the use or guidance of this publication or information contained within it.

For more information, please visit: http://thepropertycouch.com.au

 

Make Money Simple Again on Today Show!

By in Free Resources

Ben went solo on this week’s Today’s ShowΒ with Alison and Peter!

A slight bumpy start but they’ll be discussing a few tips and tricks in our new book, Make Money Simple Again and how you can save more to get into your own home sooner!
If you like this lip, here are some helpful episodes!Β >>

 

And there are heaps of other free resources on our website. We update them every week so make sure you check them out before you go. πŸ™‚

Any questions or suggestions for new topics? Just send them in to [email protected] or fill in the form below and we’ll chat about it at our future Q&A episodes.

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196 | Q & A – Negative Gearing Changes – Should I Still Invest in Property?

By in Podcast, Q&A

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β€œLabor risks $12bn housing hit over ending negative gearing” β€” if you’re like us folks… this headline has us all concerned!!

And the concern didn’t stop at the headline.

As we read on, the full news article, published by The Australian on the weekend, highlighted that the $32 billion plan to end negative gearing would β€” quote β€” lead to a fall in new housing construction of up to 42,000 dwellings over five years and 32,000 fewer jobs across the country, according to independent modelling β€” end quote.

Yep… that’s a drop in a whole lot of new housing construction (ie. supply) AND just a-bit-more-than-a-few losses (up to 32,000) in jobs!!

Folks… this is crazy stuff.

And those stats aren’t the only ones coming out of recent independent research digging into the numbers of what’s likely to happen if negative gearing’s ditched.

So, today we’re looking at a few of the worst-case scenarios from two different reports (the links to both of these are further down in the show notes) and unpacking β€” with both a short term and long term view β€” how this change to negative gearing might affect the property market and those investing in it.

But negative gearing changes β€” and the possible consequences on housing prices and for first home buyers β€” isn’t the only question we’re answering today! We’ve got plenty of gold on how to time your exist strategy, retiring debt and the right asset to invest in!

 

Oh, and if you’d like the Geospatial Heat NotesΒ β€” the heat map that shows the Compounding Annual Growth in Median Value for Houses from 1974 till the end of 2017 that is sourced from theΒ Valuer General data β€” Β you can get them here.

 

Back to today’s Q’s…

Question about Negative Gearing Changes from Shadi:
Hey Bryce and Ben. Thank you for all the information and for all the podcasts you provide. Apologies in advance if this question has been answered in previous episodes. I’ve been binging myself since episode 1 a few months ago, and am not quite up to date yet. I just have a question specifically about the abolishment of negative gearing and the impact it will have on first time investors. I’ve been looking to invest since listening to your podcast, and am interested to hear how this will affect my first purchase β€” whether or not it will just be a short term problem that effects cash flow or if it will have a long term effect, especially when entering the market.

 

Question about Your Exit Strategy from Anne-Marie:
Hi guys, this is Anne-Marie in Victoria. I’m 56 and my husband is 51. I started listening to you many years ago after we had our 7 properties. Our last property was 3 years ago. There all on fixed term interest only, which makes no offset available to them. And we’ve paid off our home, which is worth 1.1 million (1 of the 7 properties). It takes us $13,000 a year to hold all the properties, we just put our tax in, which is amazing. So property has done really well for us, and the mortgage we have on all of them is about 2.5 million, with domain value being low sitting at $3.9 mill, and high $5.2 with middle there all about 4.6 million. I want to start going into doing less hours at work β€” I’d like to retire on a passive income in maybe 4 years’ time. How do you transition to get the passive income we’ll need for retirement without too much of a tax liability? I paid about $10K in tax this year and I really don’t want to be paying a lot of tax while I’m getting to this point. Can you give me any pointers? And I can’t have an offset account as I said. I’d like some advice on this.

 

Question about the Right Asset for a First Home Buyer from Carrie:
I have a question about the best type of asset you should invest in. I’m looking to buy my first property, which I’ll live in initially. I have a budget of $750K. I’ve been looking at 70s and 80s free standing villa units in small blocks of 12 – 6 in Melbourne’s east. This puts me in middle ring suburbs around 20km from the city, with a land size of 350sqm. It’s a good balance between decent landmass without being out in the sticks. Alternatively, I could by a 2bdrm apt in an older, low density block β€” the type with only 2 or 3 stories closer to the CBD. Are either of these good investments? And which of the two is better? Or is there anything else I should look into. Love your work guys, keep bringing out those podcasts! Thank you

 

 

The Articles Ben mentions:

The Australian Article β€” Labor risks $12bn housing hit over ending negative gearing

Housing Industry Association (HIA) β€” Media Release

 

iTunes Top 200 Episode Ranking | Oct 2018

By in Free Resources

What a month! With one webinar down, a few appearances on the Today Show, the launch of our new book, Make Money Simple Again and our long anticipated platform, Money S.M.A.R.T.S, hitting 1,000 rating on iTunes, we are absolutely on cloud nine. Thank you to all of you for your support.

And just as the month finishes off, we thought we’ll share with you our popular episodes of the month.Β We’re still not quite sure how iTunes algorithm works but looks like these are Australians’Β favourites. A bit disappointed that Episode 1 is not ranking higher up, but let us know what’s your favorite episode so far!

 

Rank 2:Β Episode 195 | Property Bubble or Property Balloon?

Rank 21:Β Episode 194 | Seven Tips to Trap Your Surplus Cash

Rank 68:Β Episode 193 | The Top 50 Significant Urban Areas & Busting the 10-Year Property Investing Myth!

Rank 145:Β Episode 192 | How do you compare to other property investors PLUS the Tech Platform that Outperforms any β€œMoney Hack”!

Rank 159:Β Episode 004 | Four Pillars of Mastery – Borrowing Power

Rank 161:Β Episode 003 | Four Pillars of Mastery – Cash Flow Management

Rank 168:Β Episode 191 | Seven Steps to Make Money Simple Again

Rank 196:Β Episode 005 | Four Pillars of Mastery – Asset Selection

Rank 199:Β Episode 006 | Four Pillars of Mastery – Defence

 

And of course, if you got a question on Property, Finance and Money Management? Just write them in below or let us know on SpeakPipe!

 

 

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195 | Property Bubble or Property Balloon?

By in Podcast

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Folks, no doubt you’re aware there’s been a shift in the property market.

House prices have dropped. This weekend’s Auction Clearance Rates here in Melbourne were below 50%. So it’s obvious that Sydney and Melbourne have come off their peak.

And back in Episode 66 (over 2 years ago now), we warned you that Winter was Coming… Well, let’s just say β€œWinter is Here”.

So where’s the good news? And what is a Property Balloon?Β 

Today we’re going to go “up in clouds” to see the 30,000ft view of the marketplace. We’re going to flashback to the last boom and show you what went down. We’re going to tell you how the correction’s playing out on the demand side and the supply side.

And we’re going to share with you The Big Switch.

So if you’re interested in the minor issues, the headwinds and the potential solution for the current property market… we’ve got over an hour of gold coming your way!

 

Folks, if think your cash flow story might need improving, don’t forget to take advantage of our free Money S.M.A.R.T.S Platform!

And, don’t forget our loyal listeners are able to Get 20% off our new book – Make Money Simple AgainΒ πŸ™‚

 

Here’s what you’re in for…

 

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