X
The Property Couch Logo

509 | Property Investing 2.0: Why Property Investors Must Think Like Small Business Owners

By in Podcast, Property Investment

Subscribe On Itunes Subscribe On Android

The first property investor narrative was about “mom and pop” investors: middle-income earners with one investment property who passively manage it in the background.  

In today’s episode, we’re introducing the Property Investor 2.0 narrative…  

Small Business Owners.   

There are seven critical reasons; can you guess them?  

  1. Managing A___ like a Business  
  2. Income G_____  
  3. Strategic P_____  
  4. R___ Management & C____ Planning  
  5. Understanding & Managing L____  
  6. Customer R____ Management  
  7. Marketing & B_____  

Discover why shifting this perception is so important and what we stand to gain by doing so. Listen now, folks!  

P.S. We also discuss the most important characteristic that predicts success and in “What’s Making Property News”, Ben uncovers the green shoots in the market.  

 

Free Stuff Mentioned…

  • We’re looking for talented folks to join our team!
    MoneySMARTS 2.0 is launching in October, and we’re looking for a Security Operations Manager. We’re also recruiting for roles in Marketing, Customer Service, and more! Interested? View current openings here >>  

 

Timestamps

  • 0:00 – Property Investing 2.0: Why Property Investors Must Think Like Small Business Owners 
  • 2:31 – Moorr Webinar Replay: A data-driven way to manage your portfolio
  • 7:51 – Mindset Minute: What is the #1 character quality that predicts success? 
  • 10:30 – Property Investing 1.0: Why is the “mom and pop” investor narrative now obsolete?  
  • 12:30 – “It’s coming from a place of ‘doing good’.”  
  • 14:06 – Why property investors are small business owners 
  • 18:45 – Rules of the Game: From guilt shaming to performing social good 
  • 24:47 – 1. Managing A___ like a Business  
  • 25:56 – 2. Income G_____  
  • 28:19 – 3. Strategic P_____  
  • 31:25 – 4. R___ Management & C____ Planning  
  • 33:44 – 5. Understanding & Managing L____  
  • 36:33 – 6. Customer R____ Management  
  • 42:48 – 7. Marketing & B_____ 
  • 45:40 – “At the end of the day, politicians want two things…”  
  • 48:49 – Why does the perception need to shift from part of the problem to part of the solution? 
  • 50:03 – How does it impact policy?  
  • 52:41 – Socialism vs. Capitalism: Growing the economic pie  
  • 55:33 – How do entrepreneurial mindsets bring economic benefits? 
  • 58:35 – The 4 ways we ALL win  

And… 

  • 1:05:40 – Lifehack: Use a fork…to hang your prints?!  
  • 1:06:53 – WMPN: Home Sales Rising: Which states drive the economic flywheel?  

 

459 | How Can We Solve Australia’s Growing Demand for Property? – Chat with Paul Ryan

By in Podcast, Property Investment

Subscribe On Itunes Subscribe On Android

 

 

As new property listings surge higher and the housing market continues to recover post-COVID, how can we solve Australia’s growing demand for property in the capital cities?

Here to help us tackle this giant question that pierces the heart of one of Australia’s biggest upcoming issues, we’re introducing an exceptional, first-time guest to the show…

Welcome Paul Ryan, REA Economist and Specialist in Housing Finance, Market Forecasting and Big Data Analysis! Before joining REA in late 2020, Paul spent a decade at the Reserve Bank of Australia conducting research on the Australian economy, focusing on housing markets, lending risks and regulatory effects on property markets.

Today, we’ll use his vast knowledge and incontestable passion for Macro and Microeconomics to explain how and why property investors act the way we do!

From exploring why we are moving houses less as a nation to unpacking how this upcoming period is an interesting one for property investors, we’re examining the policies that dictate our actions, and the intriguing behavioural patterns and beliefs that have emerged as a result.

Thank you to Paul for sharing so much of your time, wisdom and valuable insights, we can’t wait to have you back on the couch!

Seriously, give it a listen now folks 😊🌌✨

 

Free Stuff Mentioned

 

Timestamps

  • 0:00 – The incoming gold
  • 04:41 – Folks, we don’t always get it right!
  • 15:32 – Mindset Minute: “All success is simply relative to somebody else”
  • 21:23 – Welcome Paul Ryan!
  • 23:05 – Money Backstory: Shares, vets & extreme delayed gratification
  • 24:00 – From science to economics
  • 29:11 – The transition from Macro to Microeconomic insights
  • 29:55 – An insider’s look into working at the RBA!
  • 34:24 – Is the housing market a huge risk?
  • 36:29 – Do people really move around less than they used to?
  • 38:02 – So…why does the RBA care about economic activity?
  • 40:25 – Bank Lending: Why is there a higher risk for Owner Occupiers?
  • 42:15 – Why Stamp Duty is important in Australia!
  • 43:05 – Does the theory translate?
  • 43:59 – The banks won’t run THIS equation 😉
  • 46:15 – Australia vs. International Housing Markets: Anomalies & Debt Levels
  • 48:30: Is it bad for households or renters to have their home owned by another household?
  • 51:15: What’s happened to the property market since the start of 2023?
  • 52:28 – Why it’s an interesting time for property!
  • 54:50 – Are the prices of property really growing?
  • 56:40 – And what about investor activity?
  • 58:31 – Regional Markets since the Pandemic: Where does the commuter belt stretch to?
  • 1:03:30 – The Intrinsic Value of Property
  • 1:03:23 – Why property growth is like…g_a_i_ _?!
  • 1:05:30 –“Homes are not being built where people want to live”
  • 1:06:15 -The fascinating linking between data & people!
  • 1:07:45 – How do we build more homes in our cities?
  • 1:13:40 – The next wave of data allowing us to understand property investors 😮
  • 1:13:58 – Interest Rate Outlook: Are we close to the top of rates?
  • 1:15:40 – Paul’s Perspective: What should APRA’s role REALLY be with the Buffer Rate!?

And…

  • 1:21:13 – Lifehack: Did you know you can share a YouTube Link that starts at a specific time?! Here’s how…
  • 1:22:54 – WMPN: You’ve got 2 months to object to your land valuation!

 

433 | Scary Ugly, Spendvesting & Turning an Ugly Duckling into a Swan – Chat with Evan Lucas

By in Podcast, Property Investment

Subscribe On Itunes Subscribe On Android

Humans are not rational creatures.  

Especially when it comes to our finances (I bet we’ve all got a story or two about that impulse buy 😉).  

So how can we identify and navigate our natural human biases and emotions around investing and risk?! 

Folks, in Episode 433 we’re exploring all of this and more as we dive into the fascinating topic of behavioural finances with the help of returning podcast guest and ultimate money mindset guru, Evan Lucas! 

Author of the best-selling book Mind Over Money: Why understanding your money behaviour will improve your financial freedom, he is also an experienced market strategist and super passionate investor! 

From exploring the most common human biases in the finance world to how you can conquer and embrace risk and scary emotions when investing, we’ll also be unpacking:

💰 How to avoid the biggest derailer of investing success 

💰 The evolution of instant gratification across human history   

💰 Your ultimate solution for making investing decisions  

💰 Understanding Hyperbolic Discounting, loving the Scary Ugly & more!  

💰 Why Spendvesting might just be the smartest solution for investors!  

💰 Rational economics: It just doesn’t work! 

💰 And of course, while we have Evan’s bright mind on the couch, we’re deep diving into everything going on in the market today from Super to rising rates.  

Yep, it’s another MASSIVE episode – give it a listen now!   

 

P.S. Thank you to all those folks who left us a 5-star review on our Moorr platform and in our apps! If you’ve given us a written review, email us now to claim your free Start & Build course!  

 

Free Stuff Mentioned… 

  • 6,000 reports generated?! Our 8th Birthday surprise to you (We gave away our Suburb Report for FREE (Usually costs $39)) was SO popular we’ve decided to extend it by 1 more week!
    How To Claim Yours: Click here and enter the Coupon Code: TPCBIRTHDAY. Limit 5 per person. To ensure you are not charged, please purchase a single Suburb Report x 5 times. If you add 5 Suburb Reports into one cart purchase, you will only receive a $39.00 discount. Hence purchase one report at a time please 🙂 This offer expires on 16th March 2023.
  • Worried about rising rates? Stress-test your finances with Moorr. Create or log in to your free account on our online platform or download the app on Apple or Google Play today! 
  • Check out Ben’s newest Moorr tutorial video here >> 
  • For those who left us a 5-star written review in our Moorr app – Thank you! Email us to claim a FREE Start & Build course today 😊
  • (NOT FREE) Check out Evan’s awesome new book, “Mind Over Money: Why understanding your money behaviour will improve your financial freedom” here >> 
  • Watch Ben’s latest RBA update here >>  
  • Read RBA Gov. Phillip Lowes’ speech here >>  
  • Read the article from Ben’s “What’s Making Property News?” here:  

 

 

Want to work with Bryce & Ben’s Award-Winning Team? 

 

Here’s some of the gold we cover… 

  • 0:00 – All the awesome stuff we’re covering today!  
  • 1:29 – Hawkish to…Hopeful?! Yep, it’s another rate rise (Check out Ben’s latest RBA update!) 
  • 3:48 – Leave us a written 5-Start Review in our Moorr platform and claim a free Start & Build course! ⭐⭐⭐⭐⭐ 
  • 4:37 – EXTENDED: Free Suburb Reports!  
  • 7:53 – Mindset Minute: To crave the result but not the process, is to guarantee… 
  • 9:27 – Welcome back Evan!  
  • 11:27 – The Mindset Shift: Why seeing yourself as an investor is important!!  
  • 15:16 – Clashing cultures & money conversations  
  • 18:46 – The evolution of instant gratification  
  • 20:49 – THIS is the biggest decision we make as investors today… 
  • 21:39 – Hyperbolic Discounting: The opposite of what you’re probably expecting!  
  • 25:06 – Investing is all about conquering your E_o_io_ _ (+ most common human biases!)  
  • 27:51 – Why rational economics just doesn’t work! 😲 
  • 30:32 – The FIRE community: Weighing up rational vs. reasonable 
  • 32:39 – Use THIS solution for making investing decisions  
  • 36:21 – The most notorious human bias in the finance world!  
  • 39:27 – Loving the Scary Ugly 
  • 45:24 – The power of loss aversion + embracing investing risks
  • 49:15 – For those worried about their finances: Stress-test your finances with Moorr! 
  • 50:28 – This is how Ben developed his “muscle memory”!  
  • 52:11 – Spendvesting: How to use it to your advantage 
  • 57:59 – You Are You, I Am Me.  
  • 59:28 – Seriously folks, check out Evan’s book for some timeless investing wisdom! 
  • 1:02:09 – Are we close to an interest rate pause + crystal ball predictions!!  
  • 1:07:06 – Are the changes to Super smart? (WARNING: This part gets pretty heated 😉) 

And…  

 

Get Moorr out of your money:
Log in or create your free account via the Moorr web platform, or download the app on Apple and Android and transform the way you view and track your wealth. 

 

418 | The Hidden Forces Driving Property Values

By in Podcast

Subscribe On Itunes Subscribe On Android

“Property is a voting machine in the short term and a weighing machine in the long term.” 

Folks, these words form the beginning of one of our most important episodes (and also our LAST formal episode for 2022!! 😮 But don’t worry, we’ve got an AMAZING Summer Series coming at you next week. But back to this week…)  

In light of the rising housing values, we’ve heard SO many people say, “Surely property prices can’t go up anymore?!?” 

And this is exactly what we’re speaking to when we’re divulging…  

What Drives Property Values?!  

From economic activity to human interest and behaviour, what actually causes these prices to go up? Is there a secret framework to help you accurately predict which markets are about to “boom”? (Spoiler: Yes there is! 😉)  

And ultimately, “is it possible for them to keep going up – and is it bad if it does?!” 

In Ben’s words, “Today’s episode is a MEGASODE!!!”. Tune in now to hear all of this evergreen wisdom and more!  

  

 

P.S. Massive Black Friday Sale Incoming!!! 

We turned our chart-topping, evergreen property investment book, The Armchair Guide To Property Investing into an audiobook!

Normally valued at $37, we’re doing something super special this year… We have created an awesome bundle!

For Black Friday, we’re offering our Property Couch community this bundle for just $4.95!!

We’ll be releasing what’s in it and how you can get it – with a massive 86% discount – in tomorrow’s email, so keep your eyes peeled in your inboxes tomorrow!

 

Free Stuff Mentioned… 

  • WE’VE LAUNCHED THE MOORR APP! Check out our FREE brand-new Lifestyle By Design app with the same great MoneySMARTS system (plus more cool features!). For Apple users click here, or for Android users click here.  (or our web version here!) 
  • It’s Black Friday Tomorrow!! Keep your eyes peeled for an email tomorrow with an 86% discount on something very special… 😉
  • Free Report: Read Relationships Australia’s latest 2022 findings here.  
  • Free Article: Read Money Mag’s Article on “Aussies to spend $6.2 billion on Black Friday sales” here. (From Ben’s What’s Making Property News)  
  • Examples: See some examples of Singapore Properties at Chestnut Drive ($20M) and Nassim Road ($56M!) from 1:27:25!   

 

Want to work with Bryce & Ben’s Award-Winning Team? 

 

Here’s some of the gold we cover… 

  • 0:00 – The Gold Today  
  • 1:59 – IT’S HERE! We have reached this amazing milestone with Moorr! (And this is how much it costs…) 
  • 9:20 – Woohoo!! Our Summer Series starts NEXT WEEK?! 
  • 10:44 – Money creates relationship problems for 1 in 5? 🙁  
  • 20:25 – This is the BIGGEST fear for most investors… 
  • 22:31 – Why this episode is so important (and how the idea was born!!) 
  • 23:53 – The Weighing vs Voting Machine 
  • 26:32 – What Drives Property Values in the SHORT TERM (The Affordability Answer) 
  • 28:32 – Beware the Block Effect!  
  • 31:08 – From Detroit to Broken Hill: what happens when demand and supply fail  
  • 37:25 – Here’s what you should be considering… 
  • 38:15 – What Drives Property Values in the LONG TERM?!? (plus, a bonus Scene Setting Story from Ben: “When the first fleet came….”)  
  • 40:16 – Land is valued based on its P___ U___ 
  • 41:28 – The 7 types of land in Australia (+ their use!)  
  • 49:30 – The power of repurposing land  
  • 51:18 – …and this is where human behaviour comes in!  
  • 53:49 – The Veblen Social Psychological Model (& its 6 factors!)  
  • 58:08 – Why are certain mega-rich pockets sustainable?!  
  • 1:00:12 – THIS is the most important indicator of long-term land value!  
  • 1:00:51 – Causation vs. Correlation!  
  • 1:01:54 – The Flywheel Concept (aka. Why property prices WILL continue to go up!)  
  • 1:08:40 – This is the role of politicians!  
  • 1:10:53 – Key Takeaway #1  
  • 1:11:02 – Will Sydney be ever knocked off its perch?!  
  • 1:13:22 – THESE are the factors we look at!  
  • 1:15:56 – Key Takeaway #2   
  • 1:19:50 – Key Takeaway #3 
  • 1:23:12 – Key Takeaway #4: Singapore: A prime example of this! (See our show notes to see these examples!)   
  • 1:30:16 – So… What does this all mean?!? (And how can you apply it?!)  
  • 1:32:09 – What about Lifestyle Locations?  
  • 1:34:33 – Let’s Recap (and let us know what you think on our socials!)  

And… 

  • 1:36:06 – Ever wanted to sign a document…digitally? Here’s how.  
  • 1:38:30 – It’s true 🙁 Australians really do try to ‘keep up with the Joneses’… 
  • 1:40:15 – psst — Check out Moorr to avoid falling into this trap!  

 

354 | The Rise of Family Office Wealth & Investing Without Emotion

By in Podcast

Subscribe On Itunes Subscribe On Android

Logic vs Emotion. Unspoken Property Conversations. Family Office Wealth.

What do all these things have in common?

Well, we’re unpacking them all – and more! – in today’s Q & A episode where we welcome back ol’ mate Ben from his Big Trip by answering NEW listener questions about how to invest in property as an aspiring Australian in current property market conditions!

And it begs the question: How much money do you need to invest in property?

For example: if you have been priced out of the major capital cities or are a low income earner, what are your options?  And how can you balance both the investment strategy and this very real reality?

Plus, there’s a couple of unspoken property conversations we want to tackle, and let you in on some tips on how to take the emotion out of investing… and what to consider if you are considering gifting property to your kids or helping future generations to succeed…

Tune in now for the gold!

Q’s we answer further below 👇

 

Free Stuff Mentioned

AweGuest Series:

Winter Series:

 

The Questions We Answer

Question from Aaron about The “Unyolking” of Major Cities
In regards to the unyolking of major cities, what do you think that does to inner city suburb housing prices into the future? Do you think the appeal of these suburbs could start to reduce a bit and the property values will follow or at least slow in terms of growth?

 

Question from Anonymous on Buying in Ballarat, Bendigo or Geelong
Hey guys big fan of the show. I’m 26 years old and I’m currently to invest in a property but Melbourne is getting a bit too expensive, so I was thinking in the region in Victoria so around Ballarat, Bendigo or Geelong and my friends were thinking the same thing as well. I was just wondering what you thought about that. Thanks!

 

Question from Ross on Investing on Low Income
Good day guys. Love the podcasts, love the book and, like a lot like probably a lot of people who get in contact, with you wish I found you 10 or 15 years ago. Anyway, my name is Ross I’m 42. I only work as a mechanic, so I only make $52,000 a year before tax. Me and my wife have twin girls who are 7 and my wife is a teacher but she’s not working full time at the moment just doing casual relief teaching moments and looking to get back into it full time in maybe two or three- or four-years’ time. My question is she says we should wait until she’s working full time to look into an investment property, I say let’s do it now ‘cos I’m excited and I wanna get in the market, but our household income is not very much obviously mine being 52 grand, she makes around about 20 to 30 grand just depending before tax every year, but yeah my question mainly is, is there a minimum amount of household income that we should be making before we should start an property investment portfolio. We own our rent-a-home where we owe 100 grand on our own home loan at the moment and probably will have that paid off in a couple of years .

My main question is, Do you think we should wait on such low wages until she’s making more money or can we go for it now?

 

Question from Rosie on Gifting Properties to Children
Our mother is 73 and she is a single mum who’s worked hard all her life as a sole trader to be in a position to leave a property to each of her three children. She is finishing work soon and has decided that her children need these properties now at the most difficult time of their life with young kids, however, this means that she will not have these properties to live on over the next 30 years. What advice would you give her, having no superannuation? She’s decided she wants to go on the pension, but is now realising the tax implications of gifting these properties.

 

 

 

Instagram

Free Resources

What to be notified when there are
new updates & free resources?

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

© The Property Couch. All Rights Reserved | Terms & Conditions | Privacy | Who Designed This Website?

×

MONEY SMARTS SYSTEM

  • The Best Money Management System Ever!
  • Worrying About Money is a Thing of the Past
  • Don’t “Unconsciously” Overspend Ever Again

Plus We Will Also Notify You When We Release New Episodes

We Only Send You Awesome Stuff

×

SUGGEST A GUEST!

We Only Send You Awesome Stuff

×