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RBA Cash Rate June 2022: Onwards & Upwards: How high will interest rates go?

By in Podcast, RBA Announcement

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The RBA has released its June update and boy is there a lot going on! ย ย 

Not only do we have a new Federal Government behind the wheel, but after lifting interest rates for the first time in 11.5 years in its May update, this month saw the RBA lift cash rates by a massive 50 basis points, bringing the cash rate to 0.85% ๐Ÿ˜ฒ

A certain sector within the property market is also facing a new threat…how will it impact the wider industry if it crumbles under pressure?ย ย 

Tune in to this episode where Ben explains this challenge and unpacks these three key themes for this monthโ€™s economic update:ย 

  • The persisting global inflation challenges
  • We have a new Federal Government with their hands on the economic wheel – the big question is, how well can they drive?ย 
  • The RBA is at it again increasing the cash rate โ€“ and theyโ€™re not done yet…

 

Plus, Ben also includes his latest news and commentary onโ€ฆ

๐Ÿ‘‰ Russia and the Global Oil Story: How will this tale end?
๐Ÿ‘‰ China faces the largest fall in Industrial Production in 32 years
๐Ÿ‘‰ The persisting worldwide inflation challenges
๐Ÿ‘‰ How good is the Australian economy compared to other global players?
๐Ÿ‘‰ The RBAโ€™s decision: How soon can we expect it to rise again?!ย 
๐Ÿ‘‰ What challenges have the new Federal Government inherited?
๐Ÿ‘‰ The New Build Crisis: Will it cause the wider market to slide under pressure?
๐Ÿ‘‰ CoreLogicโ€™s Monthly Dwelling Princes Index โ€“ June 2022
๐Ÿ‘‰ Overall Property Market Outlook for mid-2022 ย 

And much more!ย 

ย 

Additional free resources:

๐Ÿ”ฅ Episode 73 | Building a property portfolio in a tough market โ€“ Chat with Damian Collins
๐Ÿ”ฅ Episode 76 | Building a property portfolio after the boom โ€“ Chat with Veronica Morgan
๐Ÿ”ฅ Episode 389 | Interest Rate Rise: What this means for YOU! โ€“ Chat with Evan Lucasย 

 

 

And One Final Word…

If you’re worried about your finances or if you have no clarity on your cash flow position, we strongly recommend you to organise your finances now. It’s more important than ever to have a clear view, down to the exact cent, on how much you’re spending each month and how much surplus you’ve got. If you don’t know it, then log in to your Money SMARTS Platform here and update the numbers.

Don’t have an account yet? Create your free access below and we’ll also send you an e-copy of the instruction manual which is also our best-seller book, Make Money Simple Again. Just fill in the form below and we’ll email it to you right away.

 

 

DISCLAIMER: This podcast 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

 

 

 

 

 

 

393 | The Top 3 Influences on Investing Success โ€“ Chat with Scott Phillips

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Have you ever wondered what the BIGGEST influences are on an investor’s success?!ย 

Is itย passion, personality,ย time, experience, learnt market timing or even luck?! Or are you just born with a โ€œbusiness brainโ€?! ย 

Well folks, our very special guest today can actually narrow an investorโ€™s success down to just 3 things!! ย 

And if youโ€™ve got that covered, well according to him…youโ€™re basically going for gold! ย 

This awesome guest โ€“ Scott Phillips – is the Chief Investment Officer at the Motley Fool Australia (Tune in to 10:08 for a fun story on how he landed his first position there!) and runs the Motley Fool Share Advisor and Everlasting Income services.ย He is also a fellow podcast hoster, co-presenting one of Australiaโ€™s top business podcasts: the Motley Fool Podcast!! ย 

Today heโ€™s dispelling so much timeless wisdom from how to tell if a business is โ€œInvestment-gradeโ€ to his golden rules for investing.ย 

He and Ben will also discuss the differences, pros and cons when investing in shares and property, and weโ€™ll be peeling back the layers of his money story!ย 

So if youโ€™re ready to learn the ultimate, simple wisdom that leads to investing success, press play now!ย 

ย 

ย 

ย 

p.s Make sure to tune into โ€œWhatโ€™s Making Property Newsโ€ too. The NSW Greens Party are introducing some seriously radical changes to its Tenancy laws that will have negative effects on Rent Control, Evictions and Termination of Rental Agreements. This has the potential to implode the Residential Property market, hurting its tenants more and forcing more people to rely on Government assistance.ย 

If you own an investment property in NSW โ€“ we strongly urge you to contact your local member of parliament to express your concerns about the unintended consequence of this change. ย 

ย To find your local member click here. ย 

ย 

Free Stuff Mentioned…ย 

 

Here’s some of the gold we cover…ย 

  • 0:42 – Benโ€™s joined the COVID Club ๐Ÿ˜ฎ ย 
  • 3:55 โ€“ Check out PICAโ€™s Webinar on Securing Finance in a Changing Economic Environment! ย 
  • 5:00 โ€“ โ€œSuccess is a lousy teacher…โ€ ย 
  • 6:47 – Meet Scott Phillips! ย 
  • 8:17 – The origins of the โ€œFoolโ€ย  ย 
  • 10:08 – How a Facebook article led Scott to become a Motley Fool!ย 
  • 13:35 – Scottโ€™s backstory: From tobacco tin budgeting to the best advice for a high school student ย 
  • 17:26 โ€“ย Why he won the โ€œOvarian Lotteryโ€ย 
  • 20:11 โ€“ His firsthand experience with Spruikers…ย 
  • 23:04 โ€“ The first 2 investing mistakes Scott made (& the silver lining in it!) ย 
  • 25:11 – His journey to becoming an investing guru! ย 
  • 26:38 – Scott’sย easy yet GOLDEN rules for investing ย 
  • 32:17 โ€“ It all boils down to B___ M____ and T____! ย 
  • 34:23 – How to get your kids in the market ย 
  • 35:55 โ€“ Shares & Property: Letโ€™s compare the Numbers and Risks! ย 
  • 41:09 – Theย TOP 3 things that’ll maximise your investment returns ย 
  • 43:25 โ€“ A sneak peek into Scottโ€™s property portfolioย 
  • 46:07 โ€“ The Pros and Cons of Shares and Propertyย 
  • 47:53 – The 5 reasons a business is โ€œInvestment-gradeโ€ย 
  • 55:22 โ€“ The Best Advice for an Investor: Investing is about B___ not about…ย 
  • 57:27 โ€“ย Why Scott KEPT investing in shares through COVID-19 ย 
  • 1:03:45 โ€“ Is Crypto worth investing in? ย 

And…ย 

 

392 | โ€œDonโ€™t land the plane during a stormโ€: Should you change investment plans?! – Q&A

By in Podcast, Q&A

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We repeat! Do NOT land the plane during a storm!!ย 

What do we mean by this…? ย 

Well, in our minds, changing your investment plan due to changing circumstances is kinda like planning a flight and lifting off the runwayโ€ฆ

And then hitting stormy weather.

Should you try and land the plan in the middle of the storm?!?ย 

Youโ€™ll have to tune in to the episode to find out what we think!! Since itโ€™s a Q&A of course weโ€™re flying this plane over looooads more ground like…ย 

Advice for a 16-year-old property investor?! (Itโ€™s fantastic to hear folks are having money conversations around the dinner table!) ย ย 

Residential vs commercial capital gains tax: where do they differ and how can you make more gains without being taxed like crazy! ย 

Putting property in a trust…or your name?! And what do Ben and Bryce do with their property portfolio? ย 

Plus Ben and Bryce share their top 5 favourite books (well Bryce sneaks in a 6th one ๐Ÿ˜‰) and why they reckon you should give it a go too!! ย 

Read Ben and Bryce’s book list and the full list of questions below! ๐Ÿ‘‡ย 

So if youโ€™re ready, strap in cos weโ€™ve got something for everyone in this episode!! ย 

 

Questions we Answer

Bee on Buying in a Trust or Your Own Nameย 

Hi Guys, it’s Bee here. We have family trust set up and (weaved?)a few of our investment property in them. We’ve recently gone to a buyers agent and they have mentioned that if it was them, they would forget about the family trust and bond in their own names to take advantage of the land tax threshold. Just wondering could please explain this further.ย 

 

Anthony onย What advice would you give your daughter?ย 

Good day boys, Anthony from Adelaide here.ย 

Well done on the show, you’re doing a cracking job it’s really impressive. I’ve been a longtime listener first time caller. I went back and listened to episodes 1 to 20 as you suggest it’s pretty well captures all the errors of my property investing. Wrong areas, Spruikers, oh dear anyway I guess investing is nonlinear I’m pretty sure next time I’ll invest with you blokes.ย 

My question is, we are family who loves property investing, we talk about it all the time, we have our principal place of residence, we own that out right, we have three investment properties working on our 4th and my daughter would like to get into property, she’s 16 1/2, she’s at school, she got a part time job, she saved up about 12 grand so far, so in about a year she’ll have 20 grand.ย 

My question is, what would you suggest she buys? And what kind of structure would work? So i guess really, if it was your daughter what advice would you give her?ย 

Thanks boysย 

ย 

Mark Seaton on CGT on Commercial same as CGT on residential
ย 

Hi Guys! Mark is my name and I live in the Southwest Town Country (WA?)ย 

I’ve been listening to your podcast for a couple of years.ย I haven’t got a everything in place although I do have a PPR and 2 rental properties.ย One rental property is a fixer upper at the moment which Iย bought at the start of COVID.

My wife and I have a business and we’ve just purchased a commercial property.ย I am not sure if this is in your wheelhouse or not but listening to your podcast for the last year,ย you’ve had people talk about tax and capital gains on residential properties. ย Is Capital Gains when you fit out a commercial property, the same?

Do you have to keep all of these records and when you sell you property is the fit out cost come off or is that totally separate due to the fact that it’s a business as opposed to a building?

Just like your thoughts on that if it’s even in your wheelhouse. Anyways, thanks guys!ย 

ย 

Patrick on Circumstances when you would change your planย 

Hi Bryce and Ben.ย 

It’s Patrick here from the Sunshine Coast.ย I’ve a question around sticking to your plan vs. changing your plan.ย 

Essentially I would like to know what are some special events that might cause youย  to changeย your investment plan or are you always better off sticking to the plan for the long term?ย 

For example, there might be a wide range of things like the property doesn’t grow as muchย as you would have thought or the yield is lower or there’s damage to the property or the holdingย cost increased significantly?ย 

I would just love to hear you guys have some discussions around navigating that choice to eitherย stick to your plan or change your plan when things don’t work out the way you would like.ย Thanks!ย 

ย 

Sophie onย Updated Books we Recommendย 

Hi Ben & Bryce, Sophie here, loyal listener.

I listened to your podcast previously when you mentioned about books that you recommend.We’ve got some holidays coming up and I was hoping that you could give me a bit of arefresher as to what some of the books are that you recommend.Either property wise or maybe some other (shilady shibumshee?) you’ve been reading recently.Thanks very much love the Podcast. Bye bye.

 

Bryce and Benโ€™s UPDATED Top 5-ish Book Lists:

Bryceโ€™s List: ย 

Benโ€™s List: ย 

ย 

Free Stuff Mentioned…ย 

 

Here’s some of the gold we cover…ย 

  • 0:38 – An Election & a Footy Match: Two big results in one weekend?! (Benโ€™s very happy with one of them ๐Ÿ˜‰) ย 
  • 1:28 – If youโ€™re a new listener or a seasoned listener,ย listen to this!ย 
  • 5:44 โ€“ Warren Buffettโ€™s wealth was actually built from…ย 
  • 11:05 – Some advice for those thinking of investing now ย 
  • 13:30 โ€“ A shoutout to the ladies (We want to hear from YOU!) ย 
  • 14:12 – Q1 – Buying in a Trust or Your Own Name (The Pros!) ย 
  • 18:42 – The Cons!ย 
  • 20:00 โ€“ Let’s Clarify; we do not have Property in our…ย 
  • 24:47 – Q2 – What advice would you give your daughter?ย 
  • 26:50 – A couple of options…ย 
  • 29:35 – The types + structures we recommend! ย 
  • 34:15 – Q3 – CGT on Commercial same as CGT on residential? ย 
  • 37:42 โ€“ Breaking it down with an equivalent scenario ย 
  • 39:48 – CGT on Commercial: Whatโ€™s different? ย 
  • 43:58 – Q4 – Circumstances when you would change your planย 
  • 45:00 โ€“ When you SHOULDNโ€™T change plans (Doing these will halt your wealth…) ย 
  • 46:58 – Plans should include S___ testing! ย 
  • 47:42 โ€“ Should you land the plane during the strorm?! ย 
  • 48:57 – Your first strategy should be…ย 
  • 50:20 – We donโ€™t usually do this but folks if you need help, check us out!ย 
  • 54:50 – Q5 – Books weโ€™d recommend! ย 
  • 55:40 – Bryceโ€™s top 5 booklist (*he may sneak an extra one in later ๐Ÿ˜‰) ย 
  • 1:00:38 – Benโ€™s favourite 5 books (+ one lecture series) ย 

And…ย 

 

391 | War of the Property Policies: Which is the Winner?

By in Podcast

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With the Federal Election fast approaching, youโ€™ve probably heard A LOT of noise around stuff like climate change, international security, and aged care funding…ย 

But as a property investor, you’re probably wanting to know:ย 

What do the parties’ property policies mean for you!?! ย 

Weโ€™ll be breaking down and comparing Liberalโ€™s Access to Super policy and Labourโ€™s Help to Buy (Shared Equity) policy and answering: How do they fit into the big picture?!?ย 

Like…

  • Will either policy help Australia’s economy?
  • Will dipping into your Super help or hinder future wealth creation?
  • And which demographic of people will benefit from which policy? (Plus, LOTS MORE) ย ย 

Weโ€™ll also be covering Liberalโ€™s existing policies and turning the mic over to…our listeners!!ย ย Yesterday we asked our Facebook Tribe for their questions around both parties’ property policies and MAN weย were blown away!! ย ย 

You guys gave us a run for our moneyย  (A big thank you to everyone who left us a question!!), and we’ve now got a fantastic lineup of Q’s that we reckon a lot of you are probably wondering too!ย 

So if youโ€™re ready to get up to date with this year’s property policies and what they mean for YOU, then tune in now!! ย 

๐Ÿ‘‡ Full list of questions below!! ๐Ÿ‘‡

Questions we Answer

Q1) James Watson: ย 

โ€œAm I missing something? I genuinely canโ€™t see the benefit of the super housing policy. If you have a 5% deposit, if you qualify for and can service a loan, you will be far better off paying mortgage insurance than gutting your superannuation. Further, if you have a 5% deposit and you have the full $125,000 in your super and you borrow the maximum $50,000 and youโ€™re looking to buy something at around 650-700,000 (ie. youโ€™re not in a capital city), you will still have to pay LMI. So what is the point of this? Seems it will simply drive house prices upโ€

 

Q2) Marc Hooperย 

โ€œWould the LNP be better using Super as collateral against a loan rather than taking it out? Super should be for retirement.ย 

I feel taking super money out prematurely is bad policy.ย 

Are they trying to give us all higher interest rates? These policies will increase housing prices feeding inflation and giving RBA the need to raise rates. Do you feel that will lead to higher inflation and maybe rates?ย 

Love the ALP policy as is. But feel it will feed into inflation. So ill timed.โ€ย 

ย 

Q3) Svend Petersenย 

โ€œI reckon the LNP may have just lost the election with this dumb idea.ย Letโ€™s fix the housing supply problem by increasing demand??? WTF?โ€ ย 

ย 

Q4) Matty Tippowiczย 

I think both policies are very poor ideas, especially Laborโ€™s. Who the hell would want the government owning 40% of their property?ย 

ย 

Q5) Michael In-skiย 

Iโ€™m a 32 year old professional. My super sits at about 40k today. I donโ€™t know if anyone else is in the same boat as me but doesnโ€™t seem like itโ€™ll get me anywhere. Question: who will benefit from accessing super? Average Age, professions etc

 

Q6) Emma Benicย 

What’s to stop someone selling the property, blowing all the cash and then needing the aged pension?ย 

Will they put stops in place that force funds to go back in to super? Or has this been overlooked?

ย 

Q7) KeLee Geeย 

Access to super: will this be within the current SMSF route?ย 

Share equity: can people buy out the govnt share of their property?ย 

At what point the agreement ends? Death? Forced sale or refinance in certain timeframe?ย 

Both schemes: What are the limitations to type, location, age, condition of the property?ย 

 

Q8) Graeme Ashย 

With shared equity, do you have to pay out their percentage on sale? Once again it would leave them short to make the next step on their journey.ย 

ย 

Free Stuff Mentioned…ย 

ย ย 

Here’s some of the gold we cover…ย 

  • 3:54 – Donโ€™t fall into the trap of S___ P____! ย 
  • 6:40 โ€“ We reckon you should be viewing property policies like THIS…ย 
  • 9:05 – What is the Super Policy!? (Plus an explanation + history lesson on what Super is)
  • 15:00ย – What we think about the Liberalโ€™s Super Property Scheme! ย 
  • 20:44 โ€“ The Older Australians Downsizing Policy (aka. What Ben calls โ€œa golden handshakeโ€!) ย 
  • 24:50 – What are the Liberals’ other Property Policies? ย 
  • 27:56 โ€“ Labourโ€™s โ€œHelp to Buyโ€ Property Policy explained ย 
  • 31:00 – Why you shouldnโ€™t panic over policies โ€œcausingโ€ Inflation (The numbers donโ€™t lie folks!) ย 
  • 35:34 โ€“ Labourโ€™s other policies + Wrap! ย 
  • 36:25 – YOUR Q&As: Q1 โ€“ What’s the benefit of the Liberalโ€™s Super Policy?! (Ben runs a prettyย cool simulation here!) ย 
  • 47:42 – Q2 โ€“ Will it lead to higher Interest Rates?? ย 
  • 50:30 – Q3 โ€“ Impacts on Housing Supply & Demand ย 
  • 51:54 – Q4 โ€“ Who wants the Gov owning 40% of their property?! ย 
  • 52:25 โ€“ Q5 โ€“ WHO will benefit from the Super Policy? ย 
  • 53:24 โ€“ Q6 โ€“ What’s to stop someone blowing all their Super & living off the aged pension?ย 
  • 54:47 โ€“ Q7 โ€“ Self Managed Super Funds & Buying out the Govโ€™s share of equity ย 
  • 57:59 – Q8โ€“ Paying out the percentage of the saleย 
  • 1:01:05 – Our top takeaways!ย 
  • 1:05:38 – Listen to this if youโ€™re not a fan of the Super policy! ย 

And…ย 

 

Bonusisode with Julia – Tax Planning Tips to Maximise your Returns (Part Two)

By in Free Resources

Folks weโ€™re back to finish what we started…ย 

In last weekโ€™s Bonusisode we featured Part One of Tax Planning Tips to Maximise your Returns and now, weโ€™re back to give you the rest of the gold! ย 

Weโ€™ll be unpacking…ย 

  • How to claim travel expenses related to work (especially if youโ€™re a rental owner!) ย 
  • Is it possible to successfully act as your own accountant and claim travel expenses for properties? Hint: you need to prove this ONE thing to be eligible…
  • The 2 key waysย to keep a travel record (Plus Ben gives a life hack which makesย recording 100% easier!) ย ย 
  • How to determine if youโ€™re eligible for Building Depreciation + when should you get a Tax Depreciation Schedule?! ย 
  • Whatโ€™s included when claiming plant and equipment depreciation!?ย 

Julia also shares an extremely handy tax tip (Just see how excited it makes Ben!) ย for those whoโ€™ve missed out on creating a property depreciation schedule…ย 

Spoiler: You may be able to go back and AMEND past tax returns to gain access to these benefits!ย 

And lots more! So before you get start lodging any tax returns for 2022, listen to this first folks! ย 

p.s. If you are looking for an experienced and qualified tax accountant, you can reach out to us hereย ๐Ÿ‘‰ย https://thepropertycouch.com.au/tax

Free Stuff Mentioned…

 

Here’s some of the gold we cover…ย 

  • 1:54 โ€“ The 2 ways to keep a travel record ย 
  • 4:40 โ€“ Which record is best for you?? ย 
  • 5:10 โ€“ Weโ€™re setting THIS common myth straight…ย 
  • 6:25 โ€“ Deducting taxes from travel related to work โ€“ what is claimable?! ย 
  • 8:27 โ€“ย Can Realtors claim travel expenses? ย 
  • 9:15 โ€“ Defining normal workplaces and being itinerate ย 
  • 12:15 โ€“ Essential rules for transporting others ย 
  • 13:09 โ€“ Recap! (Plus, how to make recording your logbook easier!) ย 
  • 14:50 โ€“ When is TOO LATE to start a logbook? ย 
  • 16:19 โ€“ Successful & unsuccessfulย examples of claiming travel expenses for Rental Properties! ย 
  • 19:40 โ€“ Should you get an accountant or DIY with a private ruling? ย 
  • 20:50 โ€“ The 3 Key Takeaways… ย 
  • 25:13 โ€“ Is your property eligible for Building Depreciation? ย 
  • 28:10 โ€“ Should you get a Tax Depreciation Schedule?!ย 
  • 30:20 โ€“ The who, what, when and why of SCRAPPING ย ย 
  • 32:44 โ€“ Plant and Equipmentย Depreciation: Whatโ€™s included?? ย 
  • 36:18 โ€“ When should you get a depreciation schedule? ย 
  • 39:25 โ€“ Missed out on a schedule? Listen to this for a HOT tip! ย 
  • 42:50 โ€“ So.much.free.stuff!! ย 

 

390 | Will Interest Rates CRASH the Property Market?!

By in Podcast

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With all the buzz around interest rate hikes and inflation, potential market crashes and unpayable mortgage debt, we’ve heard a couple of people feeling anxious about the future…ย 

We want you to stop.ย 

Take a step back.ย ย 

Breathe.ย 

And listen to this podcast cosโ€™ weโ€™re not only answering the Q:ย โ€œWill Interest Rates crash the Property Market?!โ€, but weโ€™re giving you 7 REASONS why we believe in our answer! (With cold hard numbers to back it up!) ย ย 

Can you guess them below!ย ย 

  1. S__ E_____ย ย ย 
  2. H____ supplyย ย 
  3. I________ย 
  4. M_____ Stress Storyย ย 
  5. R____ undersupply ย 
  6. H____ B_____ (This one isย often overlooked!) ย 
  7. H_______!ย ย 

ย PLUS, weโ€™re diving WAY deeper to cover:ย 

  • Is now actually a good time to invest in a property (You know, with that famous Warren Buffet quote to be โ€œfearful when others are greedy, and greedy when others are fearful.โ€)ย ย 
  • Why you shouldnโ€™t be investing if you have THIS personality…ย 
  • What principles should you have front of mind when consuming information about the market??ย 
  • How can YOU be the voice of reason? ย 

Bryce alsoย breaks down success into this ONE attainable thing…Tune in to find out what it is now!!ย ย 

P.S. If you havenโ€™t heard…. weโ€™ve got a SPECIAL BONUSISODE for you this week which is all about maximising your tax returns as we bring in the new tax season –ย  listen in now!ย 

 

Free Stuff Mentioned…ย 

ย ย 

Here’s some of the gold we cover…ย 

  • 1:34 – Listen to this part for a WHOLE HEAP of special Bonuses! (An email full of FREE RESOURCES?! Youโ€™ll want to hear this…) ย 
  • 8:53 – All success requires is s_____!ย ย 
  • 14:28 – This should be the foundation of your thinking…ย 
  • 18:16 – How YOU can be the voice of reason!ย 
  • 25:40 – Got Buyersโ€™ Remorse? Ask yourselves these questions.ย ย 
  • 28:30 – OUR ANSWER! (Are we just Prosperity Preachers?!)ย 
  • 30:28 – Reason #1: S_____ E______ ย 
  • 34:28 – Reason #2: H____ Supplyย ย 
  • 38:11 โ€“ Lets Data Dive into Reason #2! ย 
  • 39:18 – Reason #3: I______! aka. We NEED people!ย ย 
  • 41:25 – Reason #4: M_____ Stress Storyย ย 
  • 44:08 โ€“ Another Data Dive! (How bad is the debt?!) ย 
  • 52:20 – Reason #5: R____ undersupplyย ย 
  • 53:45 – Reason #6: H____ B_____ (This is a cultural one! Think โ€œThe Castleโ€ folks…)ย 
  • 57:47 – Reason #7: H_______!ย 
  • 1:04:54 – Is now the best time to buy?!ย 
  • 1:07:10 โ€“ Donโ€™t invest now if you have THIS type of personality! ย 
  • 1:12:50 – Give us your Interest Rate Questions!! (Click the tab on the bottom right side of the page) ย 

Andย ย 

  • 1:14:12 – Why Ben HARDLY types anymore (aka. Bryceโ€™s Lifehack for today ๐Ÿ˜‰)ย ย 
  • 1:16:03 –ย A breakdown of CoreLogicโ€™s Painย and Gain report.ย 

 

Free Report: How to Make your Own Super Contributions

By in Case Study, Free Resources

It’s almost here folks.

After nearly a year of documenting bills and recording receipts, it’s finally time to whip out the calculators and sharpen those pencils…

Yep, that’s right – it’s the 2022 Tax Season!!

And boy are we excited to get into it!!

Well more specifically, we’re excited to get into all the ways that you can maximise your tax return!

That’s why in our April Bonusisode we invited our favourite Property Tax Guru, Julia Hartman, back to the show to share her knowledge!

But we realised while recording that there was just SO much gold to cover…

That there was only one solution:

To write it down in a report for y’all!!ย 

Hence this report is ALL about making your own super contributions. We explain how to make them, its implications and how you can measure the $27,500 cap!

So what are you waiting for?

Let’s get started! Simply fill in the form below and we’ll email the PDF to your inbox ๐Ÿ˜Š

 


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p.s. Tune in to the full Bonusisode on Tax Planning Tips to Maximise your Returns (Part One) to hear Julia and our own Ben Kingsley unpacking this report. Start playing from 1 minute 33 seconds folks!

p.s.s On the hunt for a good Tax Accountant? Well, look no further! Book in a free and no-obligation initial consultation with one our Tax Experts here!

 

 

 

 

 

 

 

 

 

 

Free Report: Tax Deductions When Working From Home

By in Case Study, Free Resources

We all know that COVID has irrevocably changed how the world works…

From how we interact to travelling regulations, perhaps one of the greatest areas affected is the work sphere.

Gone are the 5-day-in-office-rosters and cramped public transport. Instead, we’re now facing a hybrid of home and work office environments with a sea of new devices and platforms to connect us.

But how do these changes affect your 2022 tax return?ย 

Well, this is exactly what we answer in this free report!!

We’re looking at what taxes you can claim when working from home, how to claim them, AND unpacking how the Australian Taxation Office (ATO) will try to deny your claim.

Basically, we’re looking at how you can maximise your returns this 2022 tax season!!ย 

So what are you waiting for?

Let’s get started! Simply fill in the form below and we’ll email the PDF to your inbox ๐Ÿ˜Š







P.S. In fact, we’re so passionate about maximising your returns this 2022 tax season that we featured a whole Bonusisode around it! Tune in as our favourite Property Tax Guru, Julia Hartman, and our very own Ben Kingsley unpack this report. Start listening from 10 minutes and 48 seconds!

 

Free Report: Year-end considerations for Rental Property Owners

By in Case Study, Free Resources

As the year draws to a close, we begin reflecting on the changes we’ve made over the past year…

Wait – we’re not talking about Christmas or the end of 2022!

We’re talking about the end of the financial year for property investors!!

This time is all about recording those new changes to your homes – be it repairs, renovations or improvements – and submitting them in your 2022 tax return!

This report covers what you can claim when doing either of these three (plus what isn’t tax-deductible) and what general deductions you can make.

Simply put, we’re trying to share some tax tips toย maximise your return this tax season!!ย 

So what are you waiting for?

Let’s get started! Simply fill in the form below and we’ll email the PDF to your inbox ๐Ÿ˜Š

 


  • This field is for validation purposes and should be left unchanged.

 

p.s. Tune in to the full Bonusisode on Tax Planning Tips to Maximise your Returns (Part One) to hear Property Tax Guru Julia Hartman and our own Ben Kingsley unpacking this report. Start playing from 32 minutes 56 seconds folks!

p.s.s On the hunt for a good Tax Accountant? Well, look no further! Book in a free and no-obligation initial consultation with one our Tax Experts here!

 

 

 

 

 

 

 

 

 

 

Bonusisode with Julia – Tax Planning Tips to Maximise your Returns (Part One)

By in Free Resources, Podcast

As the old saying goes…

“By failing to prepare, you are preparing to failโ€.ย 

And folks, we believe this holds true today which is why this Bonusisode is all about organising your taxes in the lead up to 30 June 2022!! (Part one)

This is the 2nd episode from our NEW Property Tax education series called Talking Property Tax with Julia Hartman where we give YOU hot tips and tricks to boost your returns and avoid tax traps.ย 

(Pssst – check outย  Episode 1: The Top 5 Tax Rules Every Property Investor Must Understand here!!)

In today’s episode, we’re covering…

How to top up your own super…ย ย 

The BEST bookkeeping practices everyone shouldย implement (Like what records should you keep and how long you should keep them for!!) ย 

AND weโ€™re also giving you handy tips for claiming car and travel costs!! ย 

Weโ€™ll also be putting on our property investorsโ€™ hats to unpack the difference between Improving vs. Repairing in the eyes of ATO!

But thatโ€™s not all!! ย ย 

To help illustrate what weโ€™re talking about in todayโ€™s episode, weโ€™re also giving you 3 FREE reports on: ย 

  • How to make your own Superannuation Contributionsย 
  • Tax deductions when working from homeย 
  • Year-end considerations for Rental Property Ownersย 

Justโ€ฏfill out the forms below to download them now! ย 

  • Select the FREE reports you'd like to download!
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There is tons of gold in this Bonusisode so tune in now!

p.s. If you are looking for an experienced and qualified tax accountant, you can reach out to us hereย ๐Ÿ‘‰ย https://thepropertycouch.com.au/tax

p.p.s Make sure you stay tuned for Part 2 where we hone in on maximising your claims with travel, plant and equipment deductions!!

 

Here’s some of the gold we cover…ย 

  • 1:33 โ€“ How to make contributions to your Super ย 
  • 4:09 โ€“ What benefits do you get from topping up your Super??
  • 10:48 โ€“ Pitfalls of the home office claimย 
  • 13:24 โ€“ What should you be recording when bookkeeping? ย 
  • 17:00 โ€“ Should you bother claiming your utility bills in the home office? ย 
  • 18:37 โ€“ Listen tothis if youโ€™re self-employed! ย 
  • 19:56 โ€“ Let’s Recap! ย 
  • 20:35 โ€“ Must-knows with car and travel claims!! ย 
  • 26:53 โ€“ Property Taxes and Interest in Advance ย 
  • 27:50 โ€“ Why 2022 is a (relatively) LOW tax bracket! ย 
  • 32:56 โ€“ Repairs vs. Improvements ย 
  • 36:01 โ€“ Example 1: Repairing a roof ย 
  • 37:37 โ€“ Example 2: Carpet to Floorboardsย 
  • 41:18 โ€“ย What is plant equipment? ย 
  • 43:13 โ€“ Understanding different depreciation schedules…ย 

 

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