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205 | Jack Henderson – Expelled at 15 and 3 Properties by 22

By in Podcast, Real life stories, Summer Series

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As part of our brand new Summer Series, we put a request out there to see if any of our Couch Tribe were interested in sharing their story… the result? Today’s guest!!!

 

Folks, our very own listener, Jack Henderson, is here to explain his own property investment journey and how he’s managed to go — yep! — from being expelled at 15 to owning THREE properties by the impressive age of 22!!

The million dollar question is… how did he do it?

Let’s here the story straight from our star guest, shall we?

 

Before we get into the ripper of a story, just a quick shout out to say…

“Good on ya’ Jack! Thank you for sharing your incredible journey and your numbers with us!”

Seriously folks, it’s awesome that many of our listeners were quick to put their hand up and pass their knowledge on to help other folks out there!! So just a heads up… You can expect a few more guest listeners coming up in the Summer Series 😉

Also, if you’re keen to be an “everyday investor” and haven’t listened to our fundamental episodes yet (these episodes are CRUCIAL), or you simply want to have them at your fingertips in written form, make sure you Download the Golden Highlights.

 

DOWNLOAD our Free Binge Guide Here – The First 20 Episodes

This 80-odd page document is the vault containing all the foundational tips and insights you need to be a successful investor.
Want a Free Copy of The Golden Highlights? You can get it here.

 

Here’s Jack’s Story & the lessons and the takeaways…

AND…

  • What is Jack’s #1 tip???

 

Pssst… missed the first episode of our Summer Series? Check out our interview with Peter Koulizos here.

204 | Peter Koulizos – What he’d like to do about Negative Gearing?

By in Podcast, Summer Series

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Folks it’s time to rip out the straw hat, grab your sunnies and chuck on your thongs… because TODAY IS THE FIRST DAY OF OUR SUMMER SERIES!!

Which means this: 2 Episodes of The Property Couch each week — Tuesday and Thursday — kicking off RIGHT NOW all the way until Thursday 31st January! Yep. That’s 7 unstoppable weeks of nothing but the best guests, double time!

And joining us for our first ever episode of the season to dive into the implications of the proposed changes to Negative gearing is none other than the Property Professor himself… Peter Koulizos! If you recognise the name, that’s not only because Peter is an industry expert who has been in the property education space for a very, very long time, he’s also sat on the Couch a couple times already!! We spoke to him about gentrification way back in Episode 30 and then again in Episode 47!!

Although he likely doesn’t need an introduction, we’ll clear up that, yes, aside from being a hands-on property investor himself, Peter specialises in property valuation and economics and holds a teaching degree, a Graduate Diploma in Property and a Masters of Business (Property). He lectures in Property Investment for Tafe SA, Uni SA and other property education courses all over the country. And he’s done all this for over a decade. Not to mention, the Property Professor also took over the reins from Ben as Chairman of Property Investment Professionals of Australia (PIPA)!

So, let’s bring out the Summer cocktail and kick off the conversation shall we?!

 

Before we throw down the beach towel, don’t forget…

DOWNLOAD our Free Binge Guide Here – The First 20 Episodes

This 80-odd page document is the vault containing all the foundational tips and insights you need to be a successful investor.
Want a Free Copy of The Golden Highlights? You can get it here.

 

Here’s the lowdown on Negative Gearing…

AND….

  • What’s Peter’s final word for property investors for 2019???

 

Quote of The Show…

No one ever said, “My Great Australian Dream is to make the banks more money.”
– Ben

201 | Money Lessons for Kids

By in Podcast

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Today’s show is a special shout out to our parent-folk out there (and for those who might one day be one)! Heck, if you just want some foundation money management tips, you’ll find some golden nuggets here too!

What we’re about to unpacked is a framework-stacked episode featuring THE Money Lessons for Kids — more specifically, how to teach your kids about money! Because, let’s face it, money makes the world go ‘round… so if our young folk aren’t given a proper head start as to how it all works, their futures will be impacted. It really is as simple and as straightforward as that.

So, how do you work out when and how to teach them?

Well, with 2 young boys each, we’ve asked ourselves the same thing. We get it — trying to run a household, manage your own money AND make sure your kids grow up to be respectable, decent and bright humans is no easy task. Adding to that the necessity of teaching them about money so that they can, not only survive in the big wide world but actually thrive in it… well, even we could do with some insights!

That’s what we want to give YOU today (if you’ve got more tips to teach our own kids too, we’d love to know!)…

 

Before plunge into the murky waters of Money & Kids 101, here are a few bits of housekeeping and the free resources we mention in today’s show…

Oh, and because kids learn A LOT just by watching what you do (so the way you manage your own money really matters), here’s a shameless plug for our new book, Make Money Simple Again!

As Bryce mentioned, his TV show Escape from the City premiers on the 3rd of January 2018! So make sure you spare some time between the cricket to check it out! Just a heads up, he’ll personally be appearing on the show a few weeks later on the 31st January 😉

 

Here’s what you’ll learn from today’s episode…

 

 

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 — 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. 😉

 

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

 

 

 

190 | Q & A – Addressing Media Alarmists, Investing in Your 50s and The Truth About Lenders Mortgage Insurance…

By in Podcast, Q&A

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If you’ve heard the latest media reports, folks, you might have reason to believe the property market is all bricks and slaughter… but is that really the case?

Today on the Couch, we’re addressing media alarmists — the recent noise shouting out alarm that they’ll be a total housing crash in Australia! So… is there any truth to the gloom and doom?

PLUS, we’re deep-diving into investing later in life and what this really looks like for people in their fifties, including the ramifications of investing in property can have on pension allowances.

And, of course, Lenders Mortgage Insurance… let’s run the basics, and work out when too much is WAY too much!

Before we kick off the Qs… guess what??

 

If you want the 30% discount on our new book Make Money Simple Again you need to join our waitlist BEFORE 11:59PM TOMORROW  (Friday 21st September 2018)

Yes, this is a limited-time only discount, folks!

>> CLICK HERE to Get 30% Discount of our New Book

 

And before we jump into the questions, here are some recommendations from Stiggy to help you go through this episode:

  • Do you want the recording from on the VIC Residential Tenancies Act Amendments? PICA will be sending out the slides AND the replay to their members next week. Not a member yet? Click here to join.
  • (Spoiler Alert) And finally… Here’s the link to the Granny Flat that we’ve chat about on today’s show. Make sure you consult a qualified and experienced Financial Planner before making any investment decisions folks! 🙂

 

Alrightey, let’s get to today’s questions!

Question about Investing in Your 50s from Darren

Me and my wife made a mistake late in life. We bought a house and sold it back in 2000, so we’re not first home buyers. We’re 50, looking forward to getting on the property train and have a good income of about $180K per year. We have about 4.5K in disposable income that we can put into property. Given everything I’ve heard from you guys, how could a couple, now 50, with that available cash, make their way through to give themselves a passive income by mid-60s, earning $80 – $100K per year in passive income. We were thinking of buying a house for around $450K, perhaps on the north side of Brisbane, around Petrie and Kallangura area, and we could smash out as much as we could in a year and a half, build up some equity and buy then move onto the 2nd house with a maybe a bit of renovation between. So my question is: how do people of our age group get onto the property ladder and make this happen for ourselves?

 

Question from Steph the “Serial Coucher”

We’re looking at purchase a home from my father in law over a period of time. Essentially, he is an asset rich, cash poor retiree who is living fortnight-to-fortnight on the pension. Yes, it’s certainly an emotional driver, but the asset does stack up. So my question is: how does something like this work? Can you acquire traditional financing, or is it a specialty class of financing? And what specialist should we look to engage? I want to get as much info as possible before even bringing up the subject with him. Thanks guys!

 

Question about Lenders Mortgage Insurance from Alasdair

I’m looking to increase my portfolio from 2 Investment Properties (IP) to 3IPs, and possibly a 4th. I’m sitting at around about 90% when I get my loans. I read somewhere that around the $1million mark it gets difficult. And I’ve heard that the global portfolio is impossible to get it over $2.5 mil. Can you speak to that idea?

 

 

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