The Clever Investor Property Podcast – Détails, épisodes et analyse

We’re unpacking a fundamental concept that impacts every mortgage holder, saver, and investor out there — the cash rate.

The Reserve Bank of Australia, or as we say the RBA, uses the cash rate as a tool to implement monetary policy. The RBA Board meets to decide whether to change the cash rate target, that put very simply is the level they want the cash rate to sit at.

We dust off the pages of on The Clever Investors dictionary to break it down in simple terms, explain how it works, and why it matters to you as a property investor.

What happens when the cash rate goes down? and will borrowing money always become cheaper or expensive? 

If you found this episode helpful, don’t forget to subscribe and share it with your friends who are keen to grow their property portfolio! And as always, if you have questions or want us to cover a specific topic, reach out to us — we love hearing from you.

While most kids were busy kicking footballs, Stuart Wright was already diving into the world of real estate.

Right after high school, he secured a job in property sales in his hometown of Sydney.

Fast forward to today, at just 23 years old, Stuart owns two investment properties and has an incredible journey to share.

His story proves that investing in property is within reach, even for young people.

People set New Year's resolutions as a way to reflect on the past year, identify areas for personal improvement, and set goals for the upcoming year. The transition to a new year symbolises a fresh start, providing a psychological reset and a sense of optimism.

We know that setting resolutions allows us to define our aspirations, whether related to health, personal development, relationships, or other aspects of their lives. While the tradition of making resolutions is deeply ingrained in lots of cultures, the practice also stems from a desire for self-improvement and a commitment to positive change.

Jerry Seinfeld, one of the most iconic comedians in the world, achieved fame not only through his wit and humour, but also through a simple, yet effective rule and that rule is so elegantly straightforward, you’ll love it.

To become a better comedian, he aimed to write jokes consistently every single day. He did this by marking a calendar with a red "X" each day he wrote new material.

His objective was simple: ‘Don't break the chain’ of consecutive days with an "X". Over time this practice became a powerful motivator for him to continuously work on his craft.

How can we all use ‘Don't Break the Chain’ for a productive 2024?...tune into the podcast. 

Ok, I admit to catching your eye with 'sexy' in the title and for most of you (with the exception to maybe accountants) the though of trying to start a budget is a million miles away from ever being sexy.

But if you are struggling to make ends meet or want to one day buy that home or investment, you need to stop wasting time, wasting money and consider that a budget is a tool to help you get the job done. You'll eventually find this very arousing.  We talk about goal setting and here's the effective way to do it using S.M.A.R.T.

• Specific, make them defined not vague.
• Measurable, add a time of financial value.
• Actionable, you must be really capable of being able to achieve your financial goals.
• Realistic, make them challenging but make them achievable. 
• Timetabled, put a fine time line or deadline on them, progressive milestones dates a great to use.

Evaluate your progress, celebrate you wins, learn from your mistakes, don't ever give up. Let us know how you are going.  

Part two of the battle of the major investment classes.

We dip a toe into their past histories, the highs and lows. Take a look at the term Gearing and then the acquisition, borrowing and disposal costs for each one.  You get to find out who Franking Credit is and what CGT really means. 

All this packed up and delivered faster than your Uber eats dinner. 

Should you investing in property or shares? 

Its a question that many grapple with and sadly many put it in the too-hard basket and never do anything.

We put the gloves on these long time adversaries and let them duke it out in 'The Clever Investor octagon'. 

There are many reasons why you would pick one over the other. It will depend on your individual financial circumstances and goals. Listen to the episode on 'building your team' as these are the people you'll need in your corner to give you the right advise. We are going to look at the basics of property and share market investing and give you an insight to help you answer this perennial question. We've split this into two episodes or should we call them Rounds ?

If you’ve been to any family multi-generational gathering, you would have heard a 20/30ish year old say

‘I’m never going to be able to afford to buy property.’  

It's been hot topic around the BBQ grill for years and right now, you could say its boiling.

Especially around the rising property prices in Sydney. Feeling frustrated about it? 

We have a solution.

We are personally inviting you, family, friends, loved ones to an all NEW online webinar event called

“Helping your kids into the property market.”

It's being presented by my good friend and CEO of Blue Wealth Property Dr Tony Hayek.

Tony will be debunking the common myths surrounding the affordability of property, explaining why now is the best time to be investing and how using research will get them the results they want.

Here are 3 things you will learn at the event:

• We are debunking the myth that your kids will never be able to buy property
• We’ll give you solutions to help your adult kids enter the property market sooner
• Learn where the property markets are, and what opportunities our research is uncovering.

Booking link: Helping Your Kids into the Property Market

https://www.bluewealth.com.au/event/booking/1626/

There is an old saying that 'if you fail to plan, you plan to fail'. A budget is a personal financial plan that you can use to make sure you have plenty of pay left at the end of the month.  Learning to make, plan and run your own Budget is a skill that takes time to perfect.

The Benefits of Budgeting

• You take control of your money
• Avoid unnecessary debt
• Pay off debt faster
• Show banks you are a low credit risk
• Much better for your mental health
• You become a better lover (I might have made this one up)

Property investment can be complex for first time investors.

In our typical 'Clever Investor' style you know it doesn't have to be that way, follow these nine simple steps.

#1 Have a Plan

#2 Know your Numbers

#3 Use a Mortgage Broker

#4 Get Educated

#5 Think with your Head

#6 Avoid Negative People

#7 All good things take Time

#8 Use a Property Manager

#9 Reflect, Review, Refocus

A terrible thing about growing up is thinking about all those grown-up things. 

Understandably, dying is not something any of us really want to dwell on. However, if no will is found on that fateful day, it is usually presumed you passed away intestate.

That is, without a will. 

The best way to ensure you have covered all bases is to get advice from a licensed legal or estate planning professional. You can also learn more about intestacy on the NSW Trustee and Guardian website.