Shows
Life's a Mitch PodcastMeet Senior Property Educator , Investing Expert and Host of the "Clever Investor Podcast" Owun TaylorOn this weeks episode I speak to Owun Taylor . Owun is a kind professional who has offered some of his time to speak about some smart decisions than can me made if you're contemplating investing in property.
If you're a fan of Supercoach and listen to podcast like the SC playbook podcast or beers and breakevens you'd be aware of the great work blue wealth property does in the investing and real estate space in Australia.
Owun offers decades of experience so I encourage you to take a listen he is also the host of "Clever Investor Podcast". Streaming everywhere
...2024-07-0457 min
The Clever Investor PodcastWhat is Wall Street?Often depicted in movies as the pinnacle of the financial world and constantly popping up in our weekly news broadcasts, Wall Street is a symbol of financial power and influence, but what exactly is it?
Wall Street is more than just a street in Lower Manhattan, New York. It's the beating heart of the American financial system. This bustling epicentre is home to some of the world's largest financial institutions, including banks, stock exchanges and investment firms.
The New York Stock Exchange's history traces back to the signing of the Buttonwood Agreement by t...2024-05-0509 min
The Clever Investor PodcastThe Disadvantages of Buying an Old House for InvestmentThe Allure of Buying an Old House for Investment
I think we all understand that investing in real estate has always been an attractive option for those looking to secure their financial future. While many investors focus on buying new properties, there is a certain romantic charm and allure to buying an old house.
Old houses often possess a unique character and history that can be appealing to both buyers and tenants. However, it is important to be aware of the hidden costs and disadvantages that come with buying an old house for investment.
2024-04-1606 min
The Clever Investor PodcastBuying with a significant other – what you should knowWith interest rates settling down, now is a great time to get onto the property ladder.
Of course we still see property prices climbing and the average dwelling prices in all our major cities not dropping backward for some, buying with a significant other – be it a spouse, partner, family member or friend – may be the only successful way onto the property ladder.
Purchasing a property with someone else, like a life partner, spouse, family member or friend, has been a popular and viable way for many Australians to enter the property market.
Purc...2024-04-0406 min
The Clever Investor PodcastPawnbrokers: The evolution of lendingImagine a time long ago when people needed money urgently and had to give up something valuable as collateral.
This practice marked the beginnings of pawnbroking, a service that has evolved over centuries to become what we see today.
Let's take a journey through history to understand how pawnbrokers have transformed into the modern services they are now.
Pawnbroking has ancient roots, dating back well over three thousand years. In early civilizations, people faced times when they needed immediate cash but didn't want to permanently part with their cherished belongings. So, they turned...2024-02-2908 min
The Clever Investor PodcastThe top 6 Reasons why we avoid investingI think that far to many individuals hesitate to invest for various reasons this weeks let's break down these concerns in to 6 simple parts.
Understanding these reasons and learning to take some actionable steps to overcome them is crucial for anyone looking to achieve their financial goals. Whether it's dispelling myths about time constraints, gaining financial knowledge or addressing fears, everyone can take small, practical steps towards a more secure financial future.
Remember that becoming an investor is for anyone willing to learn and make some consistent efforts.
2024-02-1809 min
The Clever Investor PodcastBull and Bear markets: The wild world of the market animals explainedImagine the world of finance as a zoo, where two mighty creatures, the bull and the bear, reign supreme on Wall Street.
The terms actually come from the way these animals attack their opponents. A bull thrusts its horns up into the air (a bull market goes up), while a bear swipes its paws downward (a bear market goes down). So, the names make sense when you think about how the market behaves during these times.
The bullish bull:
This majestic creature represents a market on the rise, where optimism and confidence run...2024-02-0808 min
The Clever Investor PodcastWill Public Transport Boost Property Values or Kill it??In urban development, the symbiotic relationship between public transport and property values emerges as a central player.
As cities grow denser and the demand for efficient mobility escalates, the impact of public transport on real estate prices has become a topic of burgeoning significance.
Come with us as we take a deep dive into the multi-dimensional benefits of public transport for property values, considering factors that influence this impact while exploring the value of convenience, accessibility, types of public transport and the quality of the transit experience.
Although the connection between public transport...2024-01-3108 min
The Clever Investor PodcastUnmasking Financial Scams: The Intricate Web of DeceptionEver wonder why despite warnings and cautionary tales, people still fall for financial scams?
Imagine a world where everyone is honest and trustworthy. While that's a nice thought, the reality is that financial scams have been around for centuries, and they still manage to trap unsuspecting victims.
Let's delve into the history of con artists and explore how modern technology has given a new boost to their schemes, followed by three essential tips to steer clear of their traps.
Con artists, also known as fraudsters or scammers, have been around since…forever. They're th...2024-01-1807 min
The Clever Investor PodcastJerry Seinfeld will help you keep your New Year’s Resolution.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.2024-01-1110 min
The Clever Investor PodcastAre you Faking it? Multitasking is a Sham, but Building Wealth Requires FocusLets get you ready for a great 2024 because life is all a bit too fast-paced at times and the idea of multitasking has been hailed as a coveted skill, almost a badge of efficiency. Yet, scientific research consistently tells a different story, humans simply cannot multitask. What we perceive as multitasking is in fact just task-switching. A rapid shifting of attention from one task to another.
Understanding this phenomenon requires a journey back to the origins of the term ‘multitask’.
This concept of multitasking gained popularity in the computer industry during the 1960s when operating syst...2024-01-0207 min
The Clever Investor PodcastUnlocking Success: Our 20 Essential Books for Motivation, Personal Growth and Wealth Building.In preparation for that no-man’s land between Christmas day and New Years when you pleasantly forget what day it is and might just become a little bored. I walked around the Blue Wealth office and asked the team their favourite books.
Each of these books offers unique insights and here's a concise summary for each book and why they're worth reading….and most of these are available as audio books.
"The Richest Man in Babylon" (George S. Clason):
Timeless financial wisdom wrapped in captivating ancient parables, making complex money principles accessible for e...2023-12-2716 min
The Clever Investor PodcastA Christmas Carol, the Investor EditionOnce upon a time in the sprawling city of Cashington, there lived a gentleman named Hugh Mann, an uneducated property investor whose ambitions rivalled the grandeur of the city itself.
Hugh had risen from humble beginnings, he lacked formal investment training but he felt he always possessing a natural judgment for spotting profitable opportunities in the real estate market.
On a bitterly cold Christmas Eve, Hugh found himself in his chilly cramped office, surrounded by stacks of papers and blueprints.
The flickering candlelight cast elongated shadows on the peeling wallpaper, creating an atmosphere...2023-12-2508 min
The Clever Investor PodcastThe 3 biggest mistakes Gen Z can avoid.When first-time property buyers make mistakes, they are financial and strategic decisions. This week with the assistance of our special guest Diya Dhadda, Social Media Manager extraordinaire at Blue Wealth. Owun and Diya are going to navigate the daunting journey of the first-time property buyer.
Diya recently put together a very successful education event aimed right at Gen Z that unravelled the complexities and gave expert insights and tips to empower the younger generation in making informed decisions.
We chat about how to avoid the financial pitfalls to navigating the market and pave the way...2023-12-2128 min
The Clever Investor PodcastSell or Hold - what you need to know before you do anythingStuck in this predicament?
Here is a super special show that was a Pop-up webinar event, so we are pushing past the normal bite-sized show and filling you with a massive amount of brilliant information.
This will help you make an informed decision and answer all your “sell vs hold” questions!
With 13 interest rate increases in the last 18 months, a few clients had been in touch to chat about whether they should sell their investment property or continue to hold?
So together with @bluewealthproperty we made a Pop-Up webinar event hosted by Dr Tony...2023-12-1446 min
The Clever Investor PodcastSpecial Pop Up Webinar Event: Sell or Hold?
Have you got 30 minutes to spare during your lunch break or after work?
With 13 interest rate increases in the last 18 months, a few clients have been in touch to chat about whether they should sell their investment property or continue to hold. In light of this, we're hosting a Pop-Up event where we'll answer your questions and give you all the information you need to make the right decision for you.
Tune into the online event at 12:30pm or 7:30pm on Tuesday 12 December.
Register HERE:
12:30pm - https://bit.ly/3NaWIs7
7:30pm...2023-12-1001 min
The Clever Investor PodcastOrdering Takeaway: The Hidden Impact on Your Investment PlansIn this world where currently live, convenience reigns supreme, the extreme ease of ordering takeaway food has become a go-to solution for many. While it satisfies cravings and offers a break from the thought of slaving away in your own kitchen, this seemingly harmless habit can leave a lingering and detrimental aftertaste on your financial health and any long-term investment plans.
At first glance, the occasional order of takeout may seem inconsequential. A quick fix for hunger or a treat after a long day. However, these seemingly minor expenses can quietly erode your financial foundation.
2023-12-0907 min
The Clever Investor PodcastPrices cool quicker than anticipated, as the economy takes a chill pillAustralia’s inflation, how prices for things go up, slowed down a lot in October.
People didn't spend as much money, so it's less likely the Reserve Bank will increase interest rates, which affects how much it costs to borrow money. The cost of living, or the average prices for things, went up by 4.9% over the past year. That's slower than the 5.6% rise in September.
The Australian Bureau of Statistics said this on a Wednesday. Those supposed experts thought prices would go up by 5.2%.
Some of the things that got more expensive were ho...2023-11-3007 min
The Clever Investor PodcastThe Pathway from Athlete to Creating WealthIn the world of sports and finance, the journey from being a high-level professional athlete
to using the skills learned to create wealth is a fascinating paradigm.
The desire to win:
Both paths require dedication, resilience and strategic thinking, but each offers distinct challenges and rewards.
High-level professional athletes often measure success in terms of physical prowess, competitive achievements and the fame it attracts. Athletes are often devoting years to rigorous training, mastering their craft and pushing the boundaries of human performance. These athletes understand that any form of g...2023-11-2426 min
The Clever Investor Podcast5 Financially Savvy ways to Prepare for ChristmasChristmas is a time of joy and celebration, but for many it can also be a financial challenge if you're not well-prepared. To ensure your holiday season is filled with merriment rather than money worries, here are five financial tips to help you better prepare for an Aussie Christmas.
Create a Christmas Budget:
One of the most effective ways to prepare for Christmas is by determining a comprehensive budget. Start by a list of all your expected expenses, including gifts, decorations, food, and travel. Be realistic and avoid overspending. Setting a budget not only helps you keep...2023-11-1507 min
The Clever Investor PodcastLottery millionaire, a nightmare come true.Dictionary definition: lottery ~ noun
a means of raising money by selling numbered tickets and giving prizes to the holders of numbers drawn at random.
a situation whose success or outcome is governed by chance.
Winning the jackpot in lotto might seem like a stroke of luck, but have you considered the post-lottery experience?
You allegedly have a 1 in 77 million chance of winning over $1million on Australian Powerball. Remembering the basics of what it is, its gambling designed to raise money for the organiser and as long as there have been lottery winners there are lottery lo...2023-11-0907 min
The Clever Investor PodcastThe simple truth about your SuperannuationSuperannuation was introduced to Australia in 1992 through the Superannuation Guarantee (SG) system. This landmark reform mandated that employers contribute a percentage of their employees' earnings to a dedicated retirement savings fund.
Superannuation has since become a critical pillar of Australia's retirement income system, ensuring financial security for retirees.
Australia’s superannuation scheme is relatively unique. While many countries have mandatory pension systems, they may differ in structure and implementation.
Some countries with similar systems include New Zealand and Singapore, but the specifics can vary significantly. It's essential to examine each nation's pension regulations in...2023-11-0116 min
The Clever Investor Podcast90% loans for SMSF property ???Over ten years ago, when SMSF property lending started, the highest loan you could get was $500,000.
Back then, house prices were lower, and this type of lending was new. But now, SMSFs are the second biggest superannuation asset class in Australia.
We got Strachan Taylor from Helia back on this weeks show, because Helia thinks that SMSF property lending has grown up and done well, so it's time to increase the most you can borrow.
Now, they're making it easier for SMSFs to get more money by increasing the loan-to-value ratio (LVR) to 90%. Most...2023-10-2513 min
The Clever Investor PodcastAdapting Your Financial Goals: Are the young helping the middle age make changes?Just like a football team adjusts its game plan throughout the season to achieve victory, it's essential to understand the importance of changing your personal financial goals over time.
Just as no two games are the same, the financial journey you embark on is influenced by many variables. In this article, we'll explore how your financial goals can be likened to a football team's game plan and why flexibility is the key to success.
Structuring and adjusting loans are crucial to any transaction, no matter who you are. Nathan Newham and Russell Quinlan are two...2023-10-1818 min
The Clever Investor PodcastBuy Now or Wait and Save ?Buy now or wait and save?
Lenders Mortgage Insurance (LMI) has been a big help in letting people who want to own a property get started with less money for a down payment.
It all began in 1965 when the government made a plan to give insurance for home loans that covered up to 95% of the home's cost. The idea was to make it easier for people, especially those buying their first home, to become homeowners.
Strachan Taylor knows everything you need to know about LMI and is in charge of partnerships at Helia...2023-10-1111 min
The Clever Investor PodcastUnravelling Super: Is it Designed to Baffle ?Prepare to decode the enigma of superannuation with our latest podcast show, as we go Unravelling the the Mystery and find out the answer to the question, Is it Designed to Baffle?"
In this episode, we're thrilled to welcome a special expert guest, Tyron Mitchell, founder of Orange & Bathurst Financial Planning. Tyron brings over two decades of financial wisdom to the microphone and he'll guide us through the labyrinth of questions.
When is the right time to first see a Financial Advisor??
Together, we'll demystify complex terms, regulations, and strategies, helping you start to take control...2023-10-0415 min
The Clever Investor PodcastGen Z - Simple steps to buying a propertyGen Z, refers to the generation of people born between 1997 to 2012. This means, the oldest Gen Zs would be 26 years old, and the youngest would be 11 years old.
Dr Tony Hayek is back with us this week. As this podcast was being recorded the rest of the office was putting the finishing touches to an education event aimed at showing Gen-Z (and their family) all about how they can get into property.
Educating and planting the seed for your long-term investment journey . Dr Tony and Owun talk about how you can help yourself in creating a p...2023-09-2717 min
The Clever Investor PodcastWhy did Australia switch currency in 1966?Before 1966, Australia used a currency system that might seem to be puzzling for us today. Instead of the dollars and cents we're familiar with now, they used pounds, shillings, and pence. This system had its roots in British traditions, but as times changed, it became clear that a switch to decimal currency was necessary for various practical reasons.
Imagine going to the store and trying to calculate the prices of things using pounds, shillings, and pence. It was like trying to solve a math puzzle every time you wanted to buy something! This made shopping and handling...2023-09-2007 min
The Clever Investor PodcastCars vs Property: Understanding depreciationYou would have heard the word depreciation, but what does it mean?
It's a slow change in value that happens to things over time.
Depreciation affects both cars and property, but in different ways, especially in Australia.
When you buy a brand-new car and drive it out of the showroom, it's no longer considered "new". Cars lose value as they get older and are driven more.
This decline in value is called car depreciation. In Australia, cars can lose value quite quickly, often around 20% in the first year and t...2023-09-1407 min
The Clever Investor PodcastWho is the Go-To source for fact and figures ?Have you ever wondered where all the numbers and facts about Australia come from? Well, a big part of that job is done by the Australian Bureau of Statistics, or ABS for short.
A treasure trove of information:
Imagine you're curious about how many people live in Australia, how many babies are born each year, or how many people have jobs. The ABS is the place to go for these kinds of answers. Its main role is to collect, analyse and share all sorts of information about Australia and its people.
...2023-09-0607 min
The Clever Investor PodcastThinking Beyond the Obvious: Henry Ford’s Insightful Quote"If I had asked people what they wanted, they would have said faster horses."
Henry Ford 1863-1947 Founder Ford Motor Company
Henry Ford is a pioneer of the automobile industry, he was the founder of Ford Motor Company and chief developer of the assembly line technique of mass production. His statement holds a profound lesson in innovation and vision.
Before we pull the wheels off this statement, there has been debate for many years if Ford did utter those exact words and the only guy that can really tell us (that be...2023-08-3008 min
The Clever Investor PodcastHey there, fellow procrastinatorsOn this weeks show we have a blunt chat about how putting things off can totally mess with our quest for wealth.
Procrastination comes to visit all of us from time to time. It’s the act of delaying or postponing tasks despite knowing their importance. It’s often due to avoidance from a lack of motivation or time mismanagement. If left unchecked it eventually leads to decreased productivity, increased stress and then the procrastination bush-fire roars back into life.
A slippery slope.
This sounds like a very obvious statement but ‘putting-things-off’ can be a sig...2023-08-2313 min
The Clever Investor PodcastHow to build your own power team for Profitable Property InvestingWhen it comes to property investing, the journey can be both exciting and financially rewarding. However, navigating the intricate landscape of real estate and finance requires more than just blind enthusiasm, it demands a team of professionals who specialise in various aspects of the process. From property researchers and mortgage brokers to financial advisors, tax accountants, conveyancers and wills and estate lawyers.
Teamwork makes the dream work.
Assembling the right team is crucial for a successful and stress-free investment venture.
It’s a win-win:
Working together with this multidisciplinary team offers se...2023-08-1610 min
The Clever Investor PodcastThe psychology of investing with Dr Tony Hayek“The investor’s chief problem and even his worst enemy - is likely to be himself.”
Benjamin Graham was a British-born American economist, professor and investor and one of the granddaddy's of modern day economics theory and thought.
The two main emotions we have are fear and greed – this is why some people are motivated by either the carrot or the stick.
Today we are not taking a peak behind the curtains, I want to lift the top off your head and show you what’s going on inside your head. But I can’t to th...2023-08-0931 min
The Clever Investor PodcastStay Prepared: Tax Office Audits Target InvestorsWelcome to the podcast!
Tax time always fun and while property investors are often happy with the potential tax credits they can get, it's becoming a horror show for accountants with the increasing workload.
Today, we'll discuss some essential tips to stay on the good side of the Australian Taxation Office (ATO) and avoid potential penalties.
The ATO is taking a closer look at rental property owners who may be incorrectly reporting their taxes.
According to their estimates, nine out of ten landlords are either under-reporting their income or over-claiming deductions...2023-08-0209 min
The Clever Investor Podcast8 Ways to improve your borrowing power and make you a better lover* (just kidding)Borrowing power refers to the amount of money a lender is willing to lend you for various purposes, it can be anything from buying a house, your investment property, a new car, a business, sofa or just about any other financial need.
The borrowing power is determined based on several factors and the exact process may vary depending on the type of loan you're seeking and the lender's specific requirements.
Here are a few of the general steps to improve your borrowing power....(the lover thing was a bit of a joke).
1 Income...2023-07-2614 min
The Clever Investor PodcastMichele Bullock Confirmed as Governor of the Reserve Bank of AustraliaIn a momentous announcement, the Australian federal government has officially confirmed the appointment of Michele Bullock as the new Governor of the Reserve Bank of Australia (RBA).
Scheduled to take office in September, Bullock will be the first woman to hold this prestigious position in the RBA's history, marking a significant milestone for gender representation in the country's central banking sector.
Michele Bullock's appointment comes after a distinguished career in economics and finance, spanning over three decades.
One of the primary concerns will be ensuring a sustainable recovery post the pandemic's impact. As...2023-07-1907 min
The Clever Investor PodcastDid we just hit the peak on interest rates?The RBA's decision to keep interest rates unchanged at 4.1% was a welcome relief.
If we consider the CPI from January to May on an annualized basis, it is now below 2.8%. Additionally, there are still 12 previous rate hikes that have not fully impacted the economy.
Over the 12 months leading up to May 2023, inflation has significantly decreased from 6.8% to 5.6%, with a peak of 8.4% in December 2022.
This decline can largely be attributed to the base effect, where current prices are compared to higher prices from the previous 12 months.
Although it may not be a...2023-07-1207 min
The Clever Investor PodcastOnce upon a time...a short story about investing time into yourselfOnce upon a time in the bustling city of Prosperis, there lived a young and ambitious woman named Lily. Lily worked diligently at ‘Big City Corporation’, where she dedicated long hours to her job. However, Lily had a burning desire to create wealth for herself and pursue her dreams of building a property portfolio.
One day, as she sat at her desk crunching numbers and writing reports, Lily received an email that instantly sparked excitement within her. It was an invitation to attend a wealth creation event that would take place the next week. The event promised to i...2023-07-1208 min
The Clever Investor PodcastThe Massive pitfalls of doing your own research.In the age of abundant information, the temptation to embark on self-directed research on unfamiliar subjects is high. However, there are inherent risks and limitations to solely relying on self-conducted research when delving into topics one lacks expertise in. This weeks podcast takes a peek into the pitfalls of relying solely on self-research and highlights the importance of seeking expert guidance and reliable sources.
While self-conducted research can be a starting point for gaining initial exposure to unfamiliar subjects, relying solely on it without expert guidance is fraught with risks. Lack of expertise, biases, limited context, time...2023-06-2910 min
The Clever Investor PodcastFirst Home Owners Grants, Schemes, Problems & Issues.We all remember our first time...
The First Home Buyer Assistance Scheme is a government initiative in New South Wales, Australia, that provides financial support to eligible first-time homebuyers. It includes benefits such as grants, exemptions, and concessions on stamp duty to help make homeownership more accessible and affordable for first home buyers.
The First Home Buyer Assistance Scheme, also known as the First Home Owner Grant (FHOG), is a government initiative aimed at supporting eligible first-time homebuyers.
In addition to the grant, the scheme also offers exemptions or concessions on stamp duty for...2023-06-2121 min
The Clever Investor PodcastWhat is GDP? and how can you explain it at the next BBQ and look like a geniusAfter a long day battling away at work, fighting the good fight you get home and find your place of solitude on the sofa, flopping down and switching on the TV. Those noble news readers, with pearly white teeth and perfect hair give you updates on everything that’s been going on out in the mad, mad world. In amongst the whirlwind tales of stock market rises, falls, political arguments, exchange rate rises and falls they repeat words and acronyms you’ve heard hundreds of times before…but never really understood. A favourite of the economic reporters is GDP.
2023-06-1407 min
The Clever Investor PodcastInvestment Property Research... Is it all really just a complete waste of time ?Property investment is a significant financial decision that requires careful consideration and analysis. Engaging in thorough research before making investment decisions is crucial to ensure informed choices and maximize potential returns....or is it??
This weeks podcast has special guest Dr Tony Hayek, founder and CEO of Blue Wealth Property who developed Australia’s only independently audited property research methodology.
We discuss the importance of research in property investment and highlights key areas that investors should focus on and what they shouldn't be focused on.
Find an excuse to go for a walk, pop the head...2023-06-0713 min
The Clever Investor PodcastVictoria’s Land Tax Changes AKA ’Gimme all ya money bastards’Tax is a compulsory financial charge that is imposed by all the governments on us, the people, the individuals, the businesses,
The reason is quite simple, its to fund public expenditures and services. It is typically levied based on income, profits, property, transactions, or goods and services. Government have no spending money without it so failure to pay may result in some big legal consequences.
The Victorian government recently announced a lot of proposed changes to its land tax. If these make it through the legislative process they will come into effect from July 1, 2023, if...2023-05-3111 min
The Clever Investor PodcastWhy is it so Bloody hard to get a mortgage now ??We have seen recent interest rate increases and last week we have finally seen several lenders begin lowering their serviceability assessments rates for certain borrowers
This is all in a bid to help more customers refinance.
We talked a while ago about how many fix rated home loans are expiring this year Over 800,000 loans are coming off some lovely low rates and the rates going to jump and their repayments are for most pretty much doubling.
Mortgage Rate in Australia averaged 6.87 Percent from 1990 until 2023, It reached an all time high of 15.50 Percent in...2023-05-2413 min
The Clever Investor PodcastAct like a King because its the best way to grow your wealth.....for thousands of years.King Charles III has inherited his mother’s wealth worth a combined £17billion.
The vast majority of this wealth has been passed down over nearly 1000 years rather than being created by the current generation.
It consists almost entirely of centuries-long ownership of land and property across the country and even the seabed around the British Isles. With the ownership dating back to at least 1066 during the Norman conquest of Britain.
The accumulation of land as a form of generational wealth has also been reflected in pop culture with shows such as Yellowstone.
...2023-05-1708 min
The Clever Investor PodcastDeath by Overworking: Are we following Japan ?Eggs are a symbol of new life, fertility, and in many traditions a sign of rebirth.
In some cultures, eggs are associated with spring and the renewal of nature, while in others they are seen as a symbol of creation in the cycle of life.
In religious contexts, eggs sometimes represent spiritual renewal or resurrection. Eggs are also a extremely rich source of nutrients and are often associated with health and vitality.
Gudetama is a cartoon character egg yolk created in 2013 by the same Japanese company that created the very popular ‘Hello Kitty’. Gudetama main traits...2023-05-1010 min
The Clever Investor PodcastWhy you need to stop teaching your kids how to drive...My Father taught me to drive,
a tale about the importance of getting the correct education.
When I turned sixteen, I got my learners’ permit and my father, like so many dads before him, was given the duty of taking me out on the road for driving lessons.
I love my dad, he’s always done his best for me. But I was unfortunately asking him to do something that he wasn’t trained for. He’s never held any formal driver training qualifications. If the truth be known he’s never even had a driv...2023-05-0307 min
The Clever Investor PodcastWhen is it time to fire your slack-ass property manager?A property manager is a professional who manages real estate properties on behalf of you, the owner. Their role is ensuring the property is well-maintained and generating income through rental or lease agreements.
However there are plenty of mistakes that a property manager can make, but some of the most common ones include:
Failing to properly screen tenants.
Neglecting maintenance and repairs.
Poor communication with tenants.
Ignoring legal requirements.
Your property manager must be diligent, organized, and knowledgeable about the laws and regulations that govern their industry. Failure to do so can lead to serious...2023-04-2618 min
The Clever Investor PodcastHow do Rentvesters find a great home to live inRentvesting is a popular strategy for those who want to build wealth through property investment without sacrificing their preferred lifestyle or location.
Essentially, it involves renting a property to live in while also owning one or more investment properties that are rented out to tenants.
One of the main advantages of rentvesting is affordability. By renting in a desirable location while still owning an investment property, you can often enjoy a more affordable lifestyle. This is particularly beneficial in areas where property prices are high and buying a home to live in is financially out...2023-04-1912 min
The Clever Investor PodcastWhy offset accounts don’t workOffset accounts are a type of bank account that can be linked to a mortgage, allowing the balance of the account to be offset against the outstanding balance of the loan.
This can help to reduce the interest charged on the loan, as interest is only calculated on the net balance of the loan after the offset is applied. When used correctly an offset account can negate you having to think about repayment frequency.
One of the reasons why mortgage offset accounts don’t work for so many people as well as what is hoped is...2023-04-1310 min
The Clever Investor PodcastWhat is the best repayment frequency?The great mysteries of Repayment frequency
Congratulations, you’ve bought that property, your loan is approved and you are now looking at the loan documents.
Staring back at you from the pages of the mortgage are all the repayment options and they want to know how often you are going to pay them
What do you pick?
Weekly, fortnightly, half monthly….monthly, minimum, higher, standard ……………Arhhhhh
You run from the room screaming.
Most home loans in Australia quote a standard monthly repayment scheduled as it default. But you could pote...2023-04-0609 min
The Clever Investor PodcastWhen they talk about CPI on the news.....what are they talking about???CPI, The consumer price index
You will see and hear it abbreviated to C.P.I. This is the instrument used worldwide to measure inflation.
It is pretty much the main inflation report for the futures and financial markets. Any unexpected rises in this indicator usually lead to falling bond prices, rising interest rates, and increased market volatility.
Now before we go much further into this, it’s important to understand that there is no single best measure of inflation. Ideally, such an indicator would be comprehensive and cover price changes for all good...2023-03-3008 min
The Clever Investor PodcastWhat is Capital Gains Tax (with bonus story of ‘Ye Olde History of Tax’)Basically, you buy and asset for one price and sell it for another price, the difference between the amounts is your capital gain or if you didn’t make any profit, that’s a ‘Capital Loss’.
When we sell an asset, such as investment properties, shares or a business this triggers what’s called a ‘Capital Gains Tax event’
Let go back in time and have a look at what Tax is.
Tax has been in the world for hundreds and hundreds of years and back in ye olden days it often had a spasmodic history mainly because it was usually associ...2023-03-2310 min
The Clever Investor PodcastDebt consolidation, is it always a good thing?With the rises in the cost of living our eyes look towards our bank accounts and the money we have going in and disappearing out.
If you've got some equity in your home, so why not roll all those little annoying debts, like the car loan, personal loans and credit cards into the home loan account?
On the surface this makes great sense doesn't it. You've probably carried the burden of these extra debts around for years and you know the interest rates on them are all so much higher than the home loan and when yo...2023-03-1621 min
The Clever Investor PodcastShould you get emotional about your investment property?I have been teaching adults how to do grown up things for over 29 years and whenever its around investing in property I tell them not to get emotional abut it.....but.
I recently read an article written by Fiona McGovern, Head of Client Services at Blue Wealth Property, "Getting emotional about your investment property" and its changed the way I present....just a bit.
I grabbed Fiona and made her talk about crying over Bake-Off TV shows and how family dinners can pave the way for your adult kids starting their own investment path.
...2023-03-0815 min
The Clever Investor PodcastTop 5 common mortgage mistakes.With around 97 banking companies offering hundreds and hundreds of differing mortgage products it’s no wonder it makes you dizzy trying to find an ideal solution to fit all your needs.
Every day the lenders marketing departments swing into action, bombarding your brain with incentives – be it low advertised mortgage rates, seemingly huge discounts or the current trend of ‘cash-back’ offers. With so much happening, it is natural to feel stressed out and confused.
The fact is when many Australians try and navigate the mortgage maze too many make some critical errors.
So this week...2023-03-0108 min
The Clever Investor PodcastGet ahead of the MAD rush to refinanceAre you one of the eight hundred thousand Australian mortgage holders that have a fix interest rate ending this year??
Those 800,000 mortgages are going to need something doing to them, if you don't you are going to be paying your current lenders full standard variable rate....and don't think its all too hard to do and be silly about it.
There is no way that you should be paying that much no matter who you are.
Now I want you to imagine that you are trying to get out of a football stadium a...2023-02-2216 min
The Clever Investor PodcastRenovate or Relocate?With property prices rising across all markets and interest rates starting to rise up, there will still be plenty of Australians questioning whether it’s the best time to sell and upgrade into a bigger home, or do they renovate their existing home.
While upgrading into a bigger and better home is quite often a simpler and more efficient solution – it is not always the most cost-effective option.
It’s really easy to say that before making any major financial decisions, it is important to weigh up the benefits of both options and determine which choice...2023-02-1508 min
The Clever Investor PodcastWhat to do when those low fix rates run outDuring the early stage of the pandemic years, while the cash rate and therefore the home loan interest rated where coming down, so where fix rates.
I have friends that snapped up rates under 2% for 2 or 3 years.
Research tells me its estimated that around 46 per cent of all home loans in July 2021 were fixed rate loans.
The RBA said recently that it expects about half of all those outstanding fixed loan debt to change to variable rates throughout 2023.
Just how many fixed is hard to determine, but in the words for...2023-02-0710 min
The Clever Investor PodcastTop 5 sexiest insurances to help protect you“Life is inherently risky. There is only one big risk you should avoid at all costs, and that is the risk of doing nothing.” Denis Waitley
Everything we do in life involves some risk. A high-risk activity that, for the large part, is taken for granted every day is driving our cars. Over the last two decades, we have seen an enormous leap in the number of car electromechanical devices to help us avoid accidents or protect ourselves. If you’ve only been driving for the last 20 years, you will take for granted that cars have se...2023-01-2715 min
The Clever Investor PodcastBite-sized basics: The difference between Interest-Only and Principal & Interest.When we are buying a property, we inevitable need to choose a mortgage and we are faced with so many different features. But the most common question you’ll be asked when setting up investment property finance is “do you want Interest-Only or Principal & Interest repayments?”.
For some of you this might well seem like such a basic question and be quite dismissive with your response, but trust me it’s not quite as simple as flipping a coin.
Let’s start off with some definitions:
Principal is the money that was originally lent to a borrow...2023-01-1809 min
The Clever Investor PodcastKickstart 2023Lets get going and launch into 2023 and remind ourselves the reasons to invest.
For some its building long-term wealth, paying off that home mortgage or a better lifestyle later on. Maybe you just don't know why.
Are you going to use property, gold, shares?
The worlds banks recognise that property, especially residential property is the lowest risk. Why?
How are we going to invest in property? What is leverage? What are the risks?
Our bite-sized chunks of brilliance make us the easiest to understand finance podcast, no episode is e...2023-01-1113 min
The Clever Investor PodcastThe no crap, big bold look at property in 2023Over the next few days, while struggling to reinvent what we can do with the remaining 9 kgs of Christmas ham, we also need to start neatly folding up 2022, ready to pop it in our box of memories.
What might lay ahead of us in 2023 is for the main part up to us individually. We can sit back and let it happen around us or run, jump or skip into it with a positive 'I can do this'.
So I've grabbed a special guest, Roy Azzi, the Head of Property Acquisitions at Blue Wealth Property. Roy h...2022-12-2918 min
The Clever Investor PodcastWhat is negative gearing and positive gearing?The term 'Gearing' is when you borrow money to invest, and it’s typically talked about in the context of investment properties.
The income earned from your investment property is either positively or negatively geared.
A property is positively geared when your rental return (the amount of rent you receive from your tenants) is higher than your interest repayments and other property-related expenses (e.g. strata levies, council and water rates).
A property is negatively geared when your rental return is less than your interest repayments and other property-related expenses.
Sometimes an inv...2022-12-2507 min
The Clever Investor PodcastIs our population Growing or Slowing ?Population growth is a key factor that is proven to be one of the main drivers for long-term property growth.
But what's been happening across this great wide land? Are we correct to think that after all these lockdowns we'll bounce back? Do all cities grow at the same rate?
The ABS publish a mass of data on population forecast's and you can sit down with a glass of red wine and google-away filling your brain with numbers... but what's it all mean and what's needed is to be able to effectively interrogate this data for...2022-12-1415 min
The Clever Investor PodcastSave it or Grow itYou either must save it or you must grow it.
Saving is really code for super, that's the compulsory saving that you have been doing since you first entered the workforce. Money set aside to grow for that mysterious place in the distance called retirement.
The only other way to bridge this Gap is to go for growth. So we'll need to use the technique of leverage. To buy something that grows in value over time and creates substantial equity.
There are only two things that you can borrow to buy- shares or...2022-12-0712 min
The Clever Investor PodcastProblems and solutions to avoiding retirement shortfallsAfter Japan and Switzerland, Australia has the third highest life expectancy in the world with the national average of 82.
This is only part of a big and growing problem as many of us start to live longer, healthier and more active.
Not having enough in the kitty to last for the 30+ years of retirement is a problem Australians have not faced before.
Your income comes from one of two places, your employed work or capital that we hopeful accumulate over time.
So when you retire...will you have enough?
2022-12-0113 min
The Clever Investor PodcastHow riding a motorbike will make you a better investorLet me start this by admitting that I’m obsessed with motorbikes.
I first rode a motorbike when I was about six and haven’t stopped. In my younger years, I raced bikes to some success and eventually became a professional instructor.
Part of why I want to build wealth is to buy a massive block of land, build an enormous barn, buy more bikes, and spend my greying years restoring them all.
Just like the wealth creation world, a large part of motorcycle training is having a plan.
Part of bein...2022-11-2411 min
The Clever Investor PodcastThe Psychology of investing“The investor’s chief problem, and even his worst enemy, is likely to be himself.”
All money markets are overwhelmingly controlled by investor emotions.
At the bottom, the majority always expect prices to fall lower,
maybe crash…and at the top, they expect prices to go higher.
This episode we look deeply at how doing well with money isn’t necessarily about what you know.
It’s about how you behave.
2022-11-1607 min
The Clever Investor PodcastThe real struggle to save a depositWith a firm grip of reality, the hardest part for so many would-be property investors is getting that deposit together, and it’s not easy is it!
Being told “you just need to save for it” really doesn’t help.
The number one reason most of us grownups don’t have a budget is because we don’t know how. We know why we need to have one but it gets pushed away because it’s all too hard.
So this episode we take a look over the simplest little budget plan you can use and yo...2022-11-1008 min
The Clever Investor PodcastHelping your kids into the property market - what you need to knowHelping your kids into the property market – a easy listing guide to what you need to know
I talk to so many young adults that feel that in today's property market, it's going to be impossible for them to a buy property.
So this week we look at what ways you can help. Let me take you through some options on how parents can help.
Let’s debunk a few of the myths around the thoughts that kids will never be able to buy property.
There are great practical solutions to h...2022-11-0314 min
The Clever Investor PodcastThe no-fuss Budget in under 10 minutesAlbo and is merry band of government people has unveiled they/there/thems first budget. Well done.
Here’s what you need to do. Nothing, its all been done for you but just in case you needed to add to the conversation flow at this weekends family BBQ I have slimmed it down.
We don’t expect this to have any long term impact on investment outcomes with respect to property investment (now is still a great time to invest).
There will be less net spending by the government as well as increased revenue from relatively high...2022-10-2607 min
The Clever Investor Podcast5 common mortgage mistakesWe peak over the garden fence at the 5 Common mortgage mistakes Aussie make when looking for a mortgage to buy a property.
The mortgage market is worth over $68 billion and we have to admit that us Aussies really do love real estate.
There are at the moment over 10 million properties in Australia with a total value of around $8.4 trillion and of those around 6 million have mortgages against them.
We also have 12,000 Mortgage Brokers businesses in Australia, and that's a growing market.
Today, it seems every lender is offering significant borrower incentives – be i...2022-10-2011 min
The Clever Investor PodcastJargon explained - part 2 more words explained simplyPart 2 of wandering down the alphabet explaining the technical bits that you are going to run into on the bus trip to wealthlyville.
2022-10-1214 min
The Clever Investor PodcastJargon explained - part 1 of 2Definition of jargon
noun:
The language, especially the vocabulary, peculiar to a particular trade, profession, or group.
~ unintelligible or meaningless talk or writing; gibberish.
any talk or writing that one does not understand is often vague in meaning.
It's high time we took a trip through the list of technical terminology we use in the financial worlds.
There's a big chunk to go through so we've split this into 2 parts.
Sit back and enjoy the A - L of jargon explained in 'Clever Investor Podcast' speak.
2022-10-0615 min
The Clever Investor PodcastThe magic of compoundingOne of the most important concepts you will ever learn is the effect of compounding.
Compounding growth is effectively a process whereby the value of an asset increases exponentially over time, in lay man’s terms, the effect can be thought of as ‘growth-on-growth’.
The long term process of creating wealth essentially gathers speed over time, because as your assets grow, the actual dollar return in a future period will also grow.
In other words, wealth creation is function of the size of your asset base and time. As time goes by, the value of...2022-09-2808 min
The Clever Investor PodcastGranny Flats. A good investment or just good for the family?A granny flat is a self-contained house or unit, that gets built on the same block of land as the main house.
Its basically a second dwelling with the same amenities and one or two people can comfortably live in it.
They need to still have all the features of the big house, bathroom, kitchen, living space and bedroom, just on a smaller scale.
There has been an increase over the years of the amount of granny flats being built. Traditionally the logical reasons for building it was to convert part of the back ya...2022-09-2116 min
The Clever Investor PodcastOld v New What’s going to fit your plan?There a number of distinct advantages in new property and older property.
But....before we dive into this weeks show lets cut straight to the chase, investing in property has one clear our aim,
"to build as much wealth as possible, with the least possible risk, in the smallest amount of time".
You need to be clear on whether new or old properties are going to help you achieve your investment goals.
Reduced Maintenance costs:
The simple fact that a building is new means that the...2022-09-1512 min
The Clever Investor PodcastWhat is Build-to-RentWhat exactly is build-to-rent?
Over that last 20 years we have seen a steady increase in the amount of Australian households that are setting up home in rented properties.
The stats show that in 2022 this is one third of the population. A significantly increasing from just approximately 25 percent of homes.
A concept that is beginning to appear in Australia is this build-to-rent model. It is already well-established overseas, especially in the United Kingdom and the United States but is currently gaining popularity amongst Australians.
So, let’s take a deeper look into what...2022-09-0712 min
The Clever Investor PodcastRental Crisis ? or have we just swung back to pre-pandemicThe Australian Greens party released a statement calling for private rents to be frozen for the next 24 months
And it got shot down and pulled apart pretty quickly and easily.
The Greens stated that Australia is “experiencing a rental and cost-of-living crisis and the government needs to act now”.
Prime Minister Anthony Albanese said he had not seen any proposal, nor had the Greens raised the potential of a rental freeze with the government. Stating,
“it’s not clear to me, short of nationalising property, how that could be achieved”, the Prime Minis...2022-09-0111 min
The Clever Investor PodcastEvent invitation: Wealth Through Property Brisbane 30th AugHello Clever Investors of Brisbane
This is a personal invitation to all you lovely Brisbane listeners, your friend and family who are having thoughts about becoming a property investor…but
just don’t know where to start.
"Wealth Through Property" is brilliant and going to be live in Brisbane on the evening of Tuesday the 30th August.
This is going to set you in the right direction, you are going to be guided, and shown the principals, on how to start investing in property and exactly where to be looking, but espec...2022-08-2902 min
The Clever Investor PodcastHave we already reached peak inflation? and what might this mean for the property marketWith the price rises of lettuce, petrol, building materials, wages, rents, and just about anything you can think of lately, the topic of inflation keeps popping up the standard response by the worlds central banks (in our case the RBA) is to raise rates.
In past cycles, real estate prices have tended to continue to rise even as interest rates increase. This is because the fundamental driver was a demand-side push.
This time growth has slowed and even reversed in about 40% of the market nationally, primarily in the premium suburbs.
As we have...2022-08-2409 min
The Clever Investor PodcastWhat is property management? Why not collect the rent yourself??"What am I paying them for?....it can't be that hard...can it??"
Quizzed my friend from across the other side of the table.
" I mean you just get the rent.... What do they actually do? "
My friend was quizzing me about the requirement of him needing a property manager for his upcoming investment property purchase as we enjoyed a couple of beers at Willie the Boatman, one of the many fine craft breweries in Sydney.
I smiled at him, "That will make a great subject on the podcast, I know ju...2022-08-1712 min
The Clever Investor PodcastWhat is a Sunset clause? and will it keep the romance in your investment?Sunsets conjure up images of holiday romances, walking hand in hand with the ones we love, the cool water lapping at our toes and cocktails waiting at the bar for us...
...and back to reality.
In the case of our particular Sunset we are talking about the the time by which a property project must be completed.
Come and hold my hand as this weeks shows leads you across the soft warm sands of Clever Investor Bay and we whisper sweet nothings in each others ears.
"Oh honey what a big Sunset clause you have...!"
Sounds like we need an ex...2022-08-1013 min
The Clever Investor PodcastWhat simple preparations can you do during the year ?We'd all love to think we are these highly organised machines, but invariably we still end up grabbing a shoe box full of receipts and dumping it on the accountants desk with a "sorry....".
So for this week I wanted to get you some super simple things that you should be doing before the end of the next financial year.
As we move closer and closer to being a paperless society, the smart operators in the personal accounting world are embracing digitalising documentation, electronic signing and online statements.
There are even amazing user-friendly Apps, whi...2022-08-0313 min
The Clever Investor PodcastWhat is a Trust? and do I need one?What is a Trust?
In simple terms its a business structure....then after that it can get as complex as you want or need it to be.
Thankfully we have accountants in this world we live in and they love this stuff. I grabbed Dominic Myssy, head bean counter at Myssy + Co who's knows so much about them, he talks about trusts in his sleep.
According to the government definition. 'A trust is a business structure that doesn’t have an owner or owners in the traditional sense'.
The trust imposes an...2022-07-2617 min
The Clever Investor PodcastBuying property with Friends ? Brilliant idea or run for the hillsAre you having thoughts of buying a property with a family or friends.
Is the thought of halving all the costs appealing to you?
There are lots of great reason for doing it, there are lots of great reasons for not doing it because it can seem like a bit of a battle getting into the property market for an investment or just somewhere to live. So the idea of buying with a friend or sibling could be a smart way to get a leg up to reach the first step of the ladder.
2022-07-2014 min
The Clever Investor PodcastWhat’s the 3 main things banks look for in your application?What are the 3 main things that banks look for in your mortgage applications?
The 3 C's of Credit, Character, Capacity and Collateral
Our special studio guest this week is Dr Tony Nguyen, mortgage broker and head of DM & King Financial. Tony takes us through the finer points of these three very basic but vitally important items.
The 3 Cs of credit are a common set of principles that banks and other mortgage lenders consider when assessing your mortgage applications.
It doesn’t matter if it’s a home loan or an investm...2022-07-1319 min
The Clever Investor PodcastNatural Disaster SupportUnfortunately NSW has been hit yet again with widespread persistent heavy rain. The weather is always easy to complain about but this is bloody ridiculous.
There have been hundred and hundreds of evacuation orders and many more warnings put in place. For so many this is not the first time it happened to them this year.
There have been and will be for quite a while impacts to residents and businesses both large and small .
Lots of the lenders have begun offering support and relief to borrowers. There is and will be more...2022-07-0616 min
The Clever Investor PodcastRentvestors: How to find a great place to rentSo you've done the numbers, made the choice that you are going to be a Rentvester......but you still have the words of that friend of a friend from that BBQ you went too who's had to move 5 times in the last 4 years....
How can you avoid this happening to you? There must be a way.
There's good news Rentvester's, there is a way.
We use the expertise and experience of this weeks special guest to get your application on the top of the pile and make sure that you are going to t...2022-06-2911 min
The Clever Investor PodcastFixed rates: Have I missed the boat ??Well the interest rate talk has been going on for a couple of months now.
As we expected the banks are well under way moving their variable rates and at times like this the question gets asked around fixed interest rate loans.
"Should I be locking my rate in???"
Unlike variable rates loans you have to pick a time frame to fix for, generally you'll have the options of 1 to 5 years and the rates will vary between these timeframes. Plus you'll lose some flexibility.
Its a big question and like everything w...2022-06-2213 min
The Clever Investor PodcastRates Gone Up, Do Rents Go Up???"The perception is that these landlords are are these rich people that sit back and collect the rent and drink cocktails all week......"
The high percentage of property investors are the everyday people in the street, investing to create a better future for themselves and family. We also know that the highest percentage own just one property. So lets assume quiet accurately that they are not 'experts' just yet.
So its understandable that when the landlords (and mine too) mortgage repayments are drifting up from interest rate rises.....they'll ask the question.
"What do I...2022-06-1517 min
The Clever Investor PodcastThe Deposit: What’s it for? How do you Pay it? and Why ???The deposit is a small initial contribution to the purchase price of a property, its like you've put it on lay-by.
You don't actually own anything just yet.
You'll own the property on the agreed settlement date and that's when you may or may not be contributing other 'funds towards the purchase'.
Find out:
How much the deposit will be.
The various ways you can pay a deposit.
Who holds the deposit.
What happens if you don't come back to complete the purchase.
But lucky for you this gets explained in e...2022-06-0814 min
The Clever Investor PodcastRentvesting: ’Why Didn’t I Think of that Sooner’The great Australian dream used to be, we move out from Mum and Dads house, rent while at Uni, get qualified, get a job in the mail room at the company you'll work at for the next 30 years, meet the person of your dreams, have 2.3 kids get a dog, drive a Volvo station waggon, pay the house off just before you get your gold retirement watch, collect the pension, then just wait to die. while your kids look forward to doing the same kind of thing.
Then a whole lot of change happened in the world....
2022-06-0215 min
The Clever Investor PodcastLenders Mortgage Insurance is a BFF, Not a Big F MonsterThere are certain things that are supposed to terrify us, things that go bump in the night, vampires in castles, clowns hiding in storm-water drains.
But Lenders Mortgage Insurance is as lovely as a basket of kittens and quite possibly the best invention since we started slicing up bread.
Don’t let any of BBQ experts tell you otherwise.
Lenders’ Mortgage Insurance was introduced into Australia in 1965 with the simple purpose of helping first home buyers to get into the property market.
LMI protects a lender in the event of a borr...2022-05-2512 min
The Clever Investor PodcastWhat on earth are Financial Advisors and PlannersDo you lay under the stars at night pondering the universe and what's beyond all that glitter in the sky and then thoughts like
"What is the difference between a Financial Planner and a Financial Advisor??"
shoot across your mind like a wonky satellite spiralling out of orbit?
"...and exactly how rich do I have to be to need one??"
Trouble yourself not more, come listen to this weeks show.
Our special guest to help smooth out your mind is Scott Taylor from Financial Accord.
He's no...2022-05-1719 min
The Clever Investor PodcastTo Fix or Not to Fix, that is the Question."To fix or not to fix, that is the question.
Whether ’tis nobler in the mind to suffer
The slings and arrows of outrageous fortune,
Or to take arms against a sea of troubles,
And by opposing end them? To die....to sleep...."
Might not be exactly as Shakespeare originally wrote it but our no drama show this week is taking the fright out of Ye age ole question every time there's rate movements.
Fix, Variable or a bit of both?
Grab yourself a cup of English breakfast tea, si...2022-05-1219 min
The Clever Investor PodcastThe Simple Interest Rate Summary: Don’t PanicIn 1939 the British government released a motivational poster that has become synonymous
"Keep calm and carry on"
It was intended to raise the moral of the British public, which at the time was greatly threatened by mass air attacks and the potential of invasion.
Fear not fellow Australians nobody is trying to pinch your house, nobody is trying to kick you out into the street.
Don't try and figure all of this out on your own you're not meant to and please don’t jump on doctor Google and make all of yo...2022-05-0409 min
The Clever Investor PodcastThe 14 sexiest budgeting tipsOk, 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 a...2022-04-2719 min