https://www.youtube.com/watch?v=tuz3m5upSy4Some experts claim there is an ideal percentage of renters in a suburb vs owner occupiers.But what does the data actually say and what is the best % of renters in the suburb we are investing in?Select Residential PropertyDSR DataRead this article: https://selectresidentialproperty.com.au/busting/whats-the-ideal-tenant-to-owner-mix/0:00 - Introduction1:00 - Why people speculate that this is important3:25 - What does the data say (2 years)5:30 - 7 years of data5:50 - 12 years of data6:33 - Is this something to consider for suburb growth?9:00 - Why might this happen?11:10 - How to find % of renters in an areaRecommended Videos:Property Data Dive SeriesWhy Population Growth Does NOT Predict Capital Growth (Data Dive)TranscriptionRyan 0:00Some experts claim that there is an ideal percentage of renter's in a suburb versus owner occupiers where you want to invest in suburbs that have just the right amount of renters and just the right amount of owner occupiers. And not one way or another, that it's going to give you, you know, the best chance of renting your property and the best chance of selling your property. But what does the data actually say about what is the best percentage of renters? Do we want a high percentage of renters? So there's lots of people in the area to rent out property? Do we want a low percentage and mostly owner occupiers, which means there might not be as rental properties in the market? Is that going to be hard to then rent out the property? How does all this affect us? So today, I've got with me, Jeremy Shepherd from select residential property to talk through the data and to say, Okay, what does the data say about percentage of renters versus the growth that an area is likely to help? So thanks for coming on today, Jeremy,Jeremy 0:56thanks for having me on your show. Right.Ryan 0:59Okay, so what does the data tell us about this Goldilocks zone of just you know, the right amount of renters? I think, if I've ever heard it, which I don't know if I have, but it would be like around that kind of 20 to 30 35%. Mark, and then people say, you know, anything that's too high renters is probably not good.Jeremy 1:20Yeah. Well, there's there's an argument where you say are too high renters means? There aren't enough owner occupiers taking better care of their property. There's too many other landlords you competing with over the over the other, the tenants available. And then the opposite is some people are arguing. Well, if there are no tenants there, how do we know that that anyone wants to rent there. But that's really just a case of, there's no supply of rental property, I would much prefer to buy in a location where, where there are no other landlords I'm competing with. But anyway, that's all very good data, weRyan 1:56heard from at least one expert in the field that has said you want to target suburbs with this range of renters. And you don't want to look in suburbs that have really low percentage of renter's because it can be hard to rent out your property. And I remember looking at that thinking, I don't know about that video that you and I have done on population growth versus capital growth. And the fact that, you know, population growth just kind of indicates the supply that already is existing and has been built over time, because people are waiting in the streets in order to move into a suburb or anything like that. If there's no houses there for them to move into. So when I think about rental demand in a market, I don't really look at percentage of properties that are rented, I would look at vacancy rates in the area. And I would think if there's less rental properties available, assuming the area still has good fundamentals, then you know, I I'd rather that area, because then you're the only rental property. And soJeremy 3:00right. Yeah, exactly. I mean,

<a href="https://www.youtube.com/watch?v=tuz3m5upSy4" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=tuz3m5upSy4</a> Some experts claim there is an ideal percentage of renters in a suburb vs owner occupiers. But what does the data actually say and what is the best % of renters in the suburb we are investing in? Select Residential Property DSR Data Read this article: <a href="https://selectresidentialproperty.com.au/busting/whats-the-ideal-tenant-to-owner-mix/" rel="nofollow" target="_blank">https://selectresidentialproperty.com.au/busting/whats-the-ideal-tenant-to-owner-mix/</a> 0:00 - Introduction1:00 - Why people speculate that this is important3:25 - What does the data say (2 years)5:30 - 7 years of data5:50 - 12 years of data6:33 - Is this something to consider for suburb growth?9:00 - Why might this happen?11:10 - How to find % of renters in an area Recommended Videos: Property Data Dive Series Why Population Growth Does NOT Predict Capital Growth (Data Dive) Transcription Ryan 0:00Some experts claim that there is an ideal percentage of renter's in a suburb versus owner occupiers where you want to invest in suburbs that have just the right amount of renters and just the right amount of owner occupiers. And not one way or another, that it's going to give you, you know, the best chance of renting your property and the best chance of selling your property. But what does the data actually say about what is the best percentage of renters? Do we want a high percentage of renters? So there's lots of people in the area to rent out property? Do we want a low percentage and mostly owner occupiers, which means there might not be as rental properties in the market? Is that going to be hard to then rent out the property? How does all this affect us? So today, I've got with me, Jeremy Shepherd from select residential property to talk through the data and to say, Okay, what does the data say about percentage of renters versus the growth that an area is likely to help? So thanks for coming on today, Jeremy, Jeremy 0:56thanks for having me on your show. Right. Ryan 0:59Okay, so what does the data tell us about this Goldilocks zone of just you know, the right amount of renters? I think, if I've ever heard it, which I don't know if I have, but it would be like around that kind of 20 to 30 35%. Mark, and then people say, you know, anything that's too high renters is probably not good. Jeremy 1:20Yeah. Well, there's there's an argument where you say are too high renters means? There aren't enough owner occupiers taking better care of their property. There's too many other landlords you competing with over the over the other, the tenants available. And then the opposite is some people are arguing. Well, if there are no tenants there, how do we know that that anyone wants to rent there. But that's really just a case of, there's no supply of rental property, I would much prefer to buy in a location where, where there are no other landlords I'm competing with. But anyway, that's all very good data, we Ryan 1:56heard from at least one expert in the field that has said you want to target suburbs with this range of renters. And you don't want to look in suburbs that have really low percentage of renter's because it can be hard to rent out your property. And I remember looking at that thinking, I don't know about that video that you and I have done on population growth versus capital growth. And the fact that, you know, population growth just kind of indicates the supply that already is existing and has been built over time, because people are waiting in the streets in order to move into a suburb or anything like that. If there's no houses there for them to move into. So when I think about rental demand in a market, I don't really look at percentage of properties that are rented, I would look at vacancy rates in the area. And I would think if there's less rental properties available, assuming the area still has good fundamentals, then you know, I I'd rather that area, because then you're the only rental property. And so Jeremy 3:00right. Yeah, exactly. I mean,

What’s The Best Percentage of Renters For Capital Growth?

https://www.youtube.com/watch?v=YveECmSbbNYIn order to get the best return on investment we are told to invest in the right suburb so over the long term they will outperform other suburbs over the long term.But what I'm starting to see is that a lot of suburbs tend to perform extremely similar over the long term.Read this article: https://selectresidentialproperty.com.au/busting/apples-oranges/Select Residential PropertyDSR Data0:00 - Introduction0:58 - How comparing apples to oranges applies to property investing2:08 - Why doesn't extreme growth disparity happen?4:40 - Chance of better than average capital growth over the long term8:35 - The positives and the negatives of above average growth being hard to achieve9:25 - How can we get above average returns as an investor13:00 - Differences between 1 year, 5 years, 10 years and 25 years growth14:43 - What are the chances of picking a high performing market over 15 years vs 5 years16:40 - Can you determine high performers over the long term (30 years)19:10 - Radical vs marginal difference in priceRecommended Videos:Property Data Dive SeriesDoes Past Growth Predict Future Growth? (Property Data Dive)Good Schools and Amenities DON'T Create Capital Growth! SHOCKING RESULT!TranscriptionRyan 0:00In order to get the best return on investment and achieve our property investment goals, we're told to invest in the right suburbs so that over the long term, they're going to outperform other suburbs. And you're going to end up you know, so much richer than if you purchased in the wrong suburb. But what I'm saying to say what image Jamie Shepard from select residential property is that a lot of suburbs in general, tend to perform very similar over the long term that yes, in the short term, there can be big disparities between suburbs. And there can be value in you know, picking your suburbs for the short term. But when you start stretching it out to 20 3040 years, a lot of these suburbs especially the choosing suburbs, with good fundamentals tend to perform extremely similar. So I guess this is kind of looking at short term versus long term investing. And Jeremy has got a great metaphor and analogy that can help us understand this, which is the concept of purchasing apples and oranges. So do you want to lead us into that, Jeremy? Sure.Jeremy 1:03Thanks. Thanks, Ryan. Thanks for having me on your show. No, all right, let's say you walk into a fruit shop 100 years ago, and there's a crate of apples, and there's a crate of oranges. Now assume that the apples were one cent each and the oranges were two cents each. If the apples grew at a rate of 4% per annum, whilst the oranges grew at a rate of 8% per annum, then after 100 years, an apple would cost you 50 cents. And an orange would cost you $44.Ryan 1:36Okay, imagine the beginning. Did I just start out at two cents? Did you sayJeremy 1:40yes, oranges for two cents.Ryan 1:43So in the beginning, oranges were worth twice as much as apples. And then in the end the end after 100 years, if they continue to have this disparity, and they grow the 4% apples versus 8% oranges in 100 years time, the owners are now worth 88 times more than apples. But why? Why doesn't this happen?Jeremy 2:05Okay, well imagine walking into a fruit shop right now and you've got a hankering for some fruit. You're looking at apples 50 cents each, or oranges $44 each. You just you'd have to be mad keen on oranges to spend 44 bucks on one. Right? SoRyan 2:23that week, most people wouldn't spend $44 on oranges. I don't know if you remember years ago, when there was the banana shortage $3 for a banana? I remember going months without a banana and then going in and just buying one banana.Jeremy 2:40Again, well, I guess yeah, it all comes down to supply and demand.Ryan 2:43I guess during that time period, I bought way less bananas than I would buy now when they're really cheap.

<a href="https://www.youtube.com/watch?v=YveECmSbbNY" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=YveECmSbbNY</a> In order to get the best return on investment we are told to invest in the right suburb so over the long term they will outperform other suburbs over the long term. But what I'm starting to see is that a lot of suburbs tend to perform extremely similar over the long term. Read this article: <a href="https://selectresidentialproperty.com.au/busting/apples-oranges/" rel="nofollow" target="_blank">https://selectresidentialproperty.com.au/busting/apples-oranges/</a> Select Residential Property DSR Data 0:00 - Introduction0:58 - How comparing apples to oranges applies to property investing2:08 - Why doesn't extreme growth disparity happen?4:40 - Chance of better than average capital growth over the long term8:35 - The positives and the negatives of above average growth being hard to achieve9:25 - How can we get above average returns as an investor13:00 - Differences between 1 year, 5 years, 10 years and 25 years growth14:43 - What are the chances of picking a high performing market over 15 years vs 5 years16:40 - Can you determine high performers over the long term (30 years)19:10 - Radical vs marginal difference in price Recommended Videos: Property Data Dive Series Does Past Growth Predict Future Growth? (Property Data Dive) Good Schools and Amenities DON'T Create Capital Growth! SHOCKING RESULT! Transcription Ryan 0:00In order to get the best return on investment and achieve our property investment goals, we're told to invest in the right suburbs so that over the long term, they're going to outperform other suburbs. And you're going to end up you know, so much richer than if you purchased in the wrong suburb. But what I'm saying to say what image Jamie Shepard from select residential property is that a lot of suburbs in general, tend to perform very similar over the long term that yes, in the short term, there can be big disparities between suburbs. And there can be value in you know, picking your suburbs for the short term. But when you start stretching it out to 20 3040 years, a lot of these suburbs especially the choosing suburbs, with good fundamentals tend to perform extremely similar. So I guess this is kind of looking at short term versus long term investing. And Jeremy has got a great metaphor and analogy that can help us understand this, which is the concept of purchasing apples and oranges. So do you want to lead us into that, Jeremy? Sure. Jeremy 1:03Thanks. Thanks, Ryan. Thanks for having me on your show. No, all right, let's say you walk into a fruit shop 100 years ago, and there's a crate of apples, and there's a crate of oranges. Now assume that the apples were one cent each and the oranges were two cents each. If the apples grew at a rate of 4% per annum, whilst the oranges grew at a rate of 8% per annum, then after 100 years, an apple would cost you 50 cents. And an orange would cost you $44. Ryan 1:36Okay, imagine the beginning. Did I just start out at two cents? Did you say Jeremy 1:40yes, oranges for two cents. Ryan 1:43So in the beginning, oranges were worth twice as much as apples. And then in the end the end after 100 years, if they continue to have this disparity, and they grow the 4% apples versus 8% oranges in 100 years time, the owners are now worth 88 times more than apples. But why? Why doesn't this happen? Jeremy 2:05Okay, well imagine walking into a fruit shop right now and you've got a hankering for some fruit. You're looking at apples 50 cents each, or oranges $44 each. You just you'd have to be mad keen on oranges to spend 44 bucks on one. Right? So Ryan 2:23that week, most people wouldn't spend $44 on oranges. I don't know if you remember years ago, when there was the banana shortage $3 for a banana? I remember going months without a banana and then going in and just buying one banana. Jeremy 2:40Again, well, I guess yeah, it all comes down to supply and demand. Ryan 2:43I guess during that time period, I bought way less bananas than I would buy now when they're really cheap.

Finding Long Term High Performing Suburbs…Is It Even Possible?

https://www.youtube.com/watch?v=T10DA4fZUO8I might be able to buy my first investment property in the next couple of months. I am finally saving my first house deposit.It has been a long journey and this episode I want to take you on a journey of the property deposits I have saved in the past. But why didn't I buy property in the past and what am I doing to save my deposit today?Book a Free Property Strategy Session - https://onproperty.com/strategy0:00 - Introduction1:33 - Where I'm at now2:22 - My 1st Deposit (Age 16)5:21 - My 2nd Deposit (Age 25)8:47 - My 3rd Deposit (Age 28)12:05 - My 4th Deposit (Age 31)18:58 - Getting Out of Debt21:55 - Saving My 5th Deposit23:39 - Do I Regret Not Buying Property In The Past?25:00 - It's Never Too Late To Get Into Property26:30 - Building a Large Portfolio27:32 - Property strategy session=Recommended Videos:I Lost Thousands in Cryptocurrency…Here's What I LearnedHow I Paid Off $100,000 of Debt in 2.5 YearsFinancially Free at 32…AgainTranscriptionRyan 0:00I might actually be able to buy a property my first investment property in just a couple of months, which is super exciting. I am finally saving my first house deposit. This is not the first deposit that I've saved, but Fingers crossed, this will be the one that will actually get me my first property. It is absolutely amazing what a difference a couple of years can make. In this episode, I want to take you on the journey of the deposits that I've saved in the past which I've actually saved quite a few and never purchased property. why I did that? Do I regret it? Because, you know, I could have purchased property probably around 15 years ago, which obviously would have grown But why didn't I What happened? And then what am I doing to save my deposit today. So grab yourself a tea or coffee or water and settling because it is storytime This is my journey. This has been a long journey and an arduous journey. But hopefully this will encourage you to go out there and to say that, even if it doesn't happen overnight, if we have a plan, if we strategize if we work towards it, we can get there eventually. And we can have an amazing life along the way, which I actually think is more important than buying the properties. I think the most important thing is having the amazing life, you buy properties as an insurance policy to give you financial freedom to give you choices in order to do that. So now I'm saving my deposit probably got around about the 15 to $25,000 put aside for property, I'm looking at buying something around about 350 to $450,000, with maybe a five to 10% deposit. So I probably need anywhere from around 17 and a half 1000 up to $45,000 for a deposit plus stamp duty and closing costs. So you're looking at another what maybe 1015 $20,000 in order to save for those closing costs. So I'm actually not too far away from purchasing my first property, hopefully in a couple of months. But let's go back and look over my life and see what got me to this point. Why haven't I bought property yet? What sort of things have I done along the way? So my first deposit was saved before I was 18. So I remember going driving out to Lythgoe with my dad at age 16 I had around $20,000 in cash, looking at properties around about the $100,000. Mark. So you're looking at 10 to 15% deposit plus closing costs there. I had the money in order to do that. So looking at those properties. The thing that was difficult for me at that time, being so young, only having a part time job was just serviceability, right. I couldn't get a loan in order to purchase these properties. And that really held me back at that time. I think if a bank was willing to lend a 16 year old $80,000 or $90,000, in order to buy a house, then I would have gone ahead and done that then and purchased a property in Lythgoe, what, 15 years ago, no, 17 years ago now. And we'll probably I don't know if I'd still own that property today.

<a href="https://www.youtube.com/watch?v=T10DA4fZUO8" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=T10DA4fZUO8</a> I might be able to buy my first investment property in the next couple of months. I am finally saving my first house deposit. It has been a long journey and this episode I want to take you on a journey of the property deposits I have saved in the past. But why didn't I buy property in the past and what am I doing to save my deposit today? Book a Free Property Strategy Session - <a href="https://onproperty.com/strategy" rel="nofollow" target="_blank">https://onproperty.com/strategy</a> 0:00 - Introduction1:33 - Where I'm at now2:22 - My 1st Deposit (Age 16)5:21 - My 2nd Deposit (Age 25)8:47 - My 3rd Deposit (Age 28)12:05 - My 4th Deposit (Age 31)18:58 - Getting Out of Debt21:55 - Saving My 5th Deposit23:39 - Do I Regret Not Buying Property In The Past?25:00 - It's Never Too Late To Get Into Property26:30 - Building a Large Portfolio27:32 - Property strategy session= Recommended Videos: I Lost Thousands in Cryptocurrency…Here's What I Learned How I Paid Off $100,000 of Debt in 2.5 Years Financially Free at 32…Again Transcription Ryan 0:00I might actually be able to buy a property my first investment property in just a couple of months, which is super exciting. I am finally saving my first house deposit. This is not the first deposit that I've saved, but Fingers crossed, this will be the one that will actually get me my first property. It is absolutely amazing what a difference a couple of years can make. In this episode, I want to take you on the journey of the deposits that I've saved in the past which I've actually saved quite a few and never purchased property. why I did that? Do I regret it? Because, you know, I could have purchased property probably around 15 years ago, which obviously would have grown But why didn't I What happened? And then what am I doing to save my deposit today. So grab yourself a tea or coffee or water and settling because it is storytime This is my journey. This has been a long journey and an arduous journey. But hopefully this will encourage you to go out there and to say that, even if it doesn't happen overnight, if we have a plan, if we strategize if we work towards it, we can get there eventually. And we can have an amazing life along the way, which I actually think is more important than buying the properties. I think the most important thing is having the amazing life, you buy properties as an insurance policy to give you financial freedom to give you choices in order to do that. So now I'm saving my deposit probably got around about the 15 to $25,000 put aside for property, I'm looking at buying something around about 350 to $450,000, with maybe a five to 10% deposit. So I probably need anywhere from around 17 and a half 1000 up to $45,000 for a deposit plus stamp duty and closing costs. So you're looking at another what maybe 1015 $20,000 in order to save for those closing costs. So I'm actually not too far away from purchasing my first property, hopefully in a couple of months. But let's go back and look over my life and see what got me to this point. Why haven't I bought property yet? What sort of things have I done along the way? So my first deposit was saved before I was 18. So I remember going driving out to Lythgoe with my dad at age 16 I had around $20,000 in cash, looking at properties around about the $100,000. Mark. So you're looking at 10 to 15% deposit plus closing costs there. I had the money in order to do that. So looking at those properties. The thing that was difficult for me at that time, being so young, only having a part time job was just serviceability, right. I couldn't get a loan in order to purchase these properties. And that really held me back at that time. I think if a bank was willing to lend a 16 year old $80,000 or $90,000, in order to buy a house, then I would have gone ahead and done that then and purchased a property in Lythgoe, what, 15 years ago, no, 17 years ago now. And we'll probably I don't know if I'd still own that property today.

How I’m Saving My First Deposit (My Journey)

https://www.youtube.com/watch?v=XSrDuSuILAsWe are so often told that if we want the best capital growth our property needs to be close to amenities. Good school, train stations and shopping centers or other public transport are often touted as key indicators of future growth.But what does the data actually say about the affect of amenities on the capital growth of a suburb? The results from this one are extremely surprising.Read this article:Select Residential PropertyDSR Data0:00 - Introduction1:40 - Key idea: Price has already factored in existing amenities, which does NOT lead to more growth4:00 - How expansion of Brisbane airport affected prices short and long term4:45 - Do train stations affect capital growth7:55 - Be careful of starting and ending points of statistics8:30 - Do school affect capital growth11:00 - How do beaches affect capital growth12:55 - How does proximity to shops affect capital growth13:58 - How does walkscore affect capital growth?21:24 - What do we do with this data?26:04 - Price variability over timeRecommended Videos:Property Data Dive SeriesTranscriptionRyan 0:00We're often told that when you're buying a property to get the best capital growth, the best return on investment, you want to look for properties that are close to amenities close to really good schools, close to shops and shopping centers, close to public transport. How many times have you heard people say, you know, this is a great suburb because it's got all of these factors in it. But as an investor, what we care about is the return on our investment, how much is that property going to grow? How is it going to perform? And so is this actually important? And today, I've got with me, Jeremy Shepherd from select residential property to actually dive through the data on this one, yes, it makes logical sense that we want these amenities there. But does the data actually back up this idea that this is going to lead to higher than average capital growth? So I'm excited for this on Hey, Jeremy, how IJeremy 0:50can hire Ryan, Manuel, how are you?Ryan 0:52Yes, very good. I'm looking to buy a property in the very near future. And this is obviously something that I'm thinking about and considering when looking at suburbs is to say, okay, what's the suburb? Like? What are the schools like in the suburbs? have close to the shops have close to the transport, basically, trying to get an idea of, you know, why would people want to live here? And will they want to live here in the future? And does it have those desirable things, but I'm thinking you're going to tell me something different given? You've done the data analysis, and there's an article on this?Jeremy 1:26Yeah, good, good guess. Yeah, look, it's not a complete waste of time researching this sort of stuff. But there's, there's a very clear caveat to it. It's not automatic, that if you're buying in a suburb with good schools, shops, transport, all those amenities, that you're going to get above average capital growth. The key is whether that amenity is new or old. So the whole principle here is that if the suburb has all these great amenities, then it should be that properties in that suburb are very expensive, because this is a desirable place to live. But the price has already factored in the benefit of those amenities being there. Let's say for example, you get a new train station that comes into the suburb, what's going to happen is the suburb is now more desirable, people start paying more to have that, that benefit of being within say, walking distances, TradeStation. But after a few years, once it's factored into the price of properties in that suburb From then on, it's just it's business as usual, the capital growth carries on pretty much the same as any other suburb. So it's always a short term thing. And I did some research to look into some of these, these things like, like transport? Well, let'sRyan 2:49have a look.

<a href="https://www.youtube.com/watch?v=XSrDuSuILAs" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=XSrDuSuILAs</a> We are so often told that if we want the best capital growth our property needs to be close to amenities. Good school, train stations and shopping centers or other public transport are often touted as key indicators of future growth. But what does the data actually say about the affect of amenities on the capital growth of a suburb? The results from this one are extremely surprising. Read this article: Select Residential Property DSR Data 0:00 - Introduction1:40 - Key idea: Price has already factored in existing amenities, which does NOT lead to more growth4:00 - How expansion of Brisbane airport affected prices short and long term4:45 - Do train stations affect capital growth7:55 - Be careful of starting and ending points of statistics8:30 - Do school affect capital growth11:00 - How do beaches affect capital growth12:55 - How does proximity to shops affect capital growth13:58 - How does walkscore affect capital growth?21:24 - What do we do with this data?26:04 - Price variability over time Recommended Videos: Property Data Dive Series Transcription Ryan 0:00We're often told that when you're buying a property to get the best capital growth, the best return on investment, you want to look for properties that are close to amenities close to really good schools, close to shops and shopping centers, close to public transport. How many times have you heard people say, you know, this is a great suburb because it's got all of these factors in it. But as an investor, what we care about is the return on our investment, how much is that property going to grow? How is it going to perform? And so is this actually important? And today, I've got with me, Jeremy Shepherd from select residential property to actually dive through the data on this one, yes, it makes logical sense that we want these amenities there. But does the data actually back up this idea that this is going to lead to higher than average capital growth? So I'm excited for this on Hey, Jeremy, how I Jeremy 0:50can hire Ryan, Manuel, how are you? Ryan 0:52Yes, very good. I'm looking to buy a property in the very near future. And this is obviously something that I'm thinking about and considering when looking at suburbs is to say, okay, what's the suburb? Like? What are the schools like in the suburbs? have close to the shops have close to the transport, basically, trying to get an idea of, you know, why would people want to live here? And will they want to live here in the future? And does it have those desirable things, but I'm thinking you're going to tell me something different given? You've done the data analysis, and there's an article on this? Jeremy 1:26Yeah, good, good guess. Yeah, look, it's not a complete waste of time researching this sort of stuff. But there's, there's a very clear caveat to it. It's not automatic, that if you're buying in a suburb with good schools, shops, transport, all those amenities, that you're going to get above average capital growth. The key is whether that amenity is new or old. So the whole principle here is that if the suburb has all these great amenities, then it should be that properties in that suburb are very expensive, because this is a desirable place to live. But the price has already factored in the benefit of those amenities being there. Let's say for example, you get a new train station that comes into the suburb, what's going to happen is the suburb is now more desirable, people start paying more to have that, that benefit of being within say, walking distances, TradeStation. But after a few years, once it's factored into the price of properties in that suburb From then on, it's just it's business as usual, the capital growth carries on pretty much the same as any other suburb. So it's always a short term thing. And I did some research to look into some of these, these things like, like transport? Well, let's Ryan 2:49have a look.

Good Schools and Amenities DON’T Create Capital Growth! SHOCKING RESULT!

https://www.youtube.com/watch?v=f3PVAUKovuQLet's talk about bad debt and how to pay off debt. I'm so grateful to say I am FINALLY in a position where I am debt free and now able to save a house.But rewinding to 2-3 years ago that was not the situation I was in. I quickly got into around $100,000 worth of debt. Here's how I managed to pay it off in such a short period of time.0:00 - Introduction2:05 - #1: Write Down ALL My Debts3:26 - #2: Accept Where You Are3:48 - #3: Write Down All My Assets To Know My Net Position4:20 - #4: Calculate Minimum Required Payments5:37 - #5: Cut Spending DRASTICALLY7:23 - #6: Increase Your Income10:20 - #7: Keep Expenses Low Even As Income Increases11:19 - #8: Create a Buffer Fund14:04 - #9: Have Great People Around YouRecommended Videos:How I Got Myself Into DebtHow I'm Paying Off DebtTranscriptionRyan 0:00Let's talk about debt. Let's talk about bad debt. And let's talk about how to pay off debt. I'm so grateful to say that I am finally, finally, in a position that I am debt free and actually saving towards a deposit for a house. And I found out yesterday that I may actually even have most of my deposit ready and be able to go way faster than I thought. But if you rewind to about two, two and a half years ago, that was not the situation that I was in, I quickly got into a lot of debt, around $100,000 worth of debt once it was all tallied up. And let me tell you, that is a scary, scary figure. So in this episode, I want to talk about the things that I did to get out of such a significant amount of debt debt that was crippling debt that nearly sent me bankrupt. And so if you have bad debt and your life, whether it be as bad as me, or maybe just some credit card debt that you want to get rid of, what are some things that you can do to start to remove that debt, and actually get ahead in life? Hey, I'm Ryan from OnProperty, helping you on your journey to financial freedom. I'm currently at the beautiful garden falls on the Sunshine Coast. And it's taken me a lot of heartache, and a lot of hard work to get here. But I'm excited to share this story with you. I have been financially free through my businesses twice now been in extreme amount of debt and been able to pay that off. And I'm now saving towards my first property, which I should hopefully purchase this year. But if you're in this situation like I was in when you're in debt, how did I go about actually paying that off? and wiping that debt completely? Because I didn't do what everyone told me I should do. I actually tackled this my own way in a way that was true to myself. And I'm obviously really happy with the result having cleared that debt in just two years, but not just cleared it but also created financial freedom through my businesses, again in that two year period. So what did I do that was different? And what can you take away from this? Well, the very first thing that I did was actually sat down and wrote down all of my debts, I lived in denial for a little while thinking, Okay, now I just need to get by, I was going through a married separation. So there's a lot emotionally happening for me, I wasn't ready to write down my debts and deal with that. So I just kind of swept it under the rug, didn't think about it, and was just kind of going on in life. But one day, I remember sitting down in my dad's garage, which was my office at the time, line by line, I went through every debt that I owed from existing debt that I had payment plans on to money that I owed family members to future tax that I would have to pay, which I knew was debt that just wasn't quite jus just yet. I wrote it all down. And it was extremely overwhelming to realize that I was around $100,000 in debt, the exact figure I don't remember. But I do remember that feeling of looking at that and just being like, I am absolutely screwed. There is zero way that I can get out of this. What the hell,

<a href="https://www.youtube.com/watch?v=f3PVAUKovuQ" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=f3PVAUKovuQ</a> Let's talk about bad debt and how to pay off debt. I'm so grateful to say I am FINALLY in a position where I am debt free and now able to save a house. But rewinding to 2-3 years ago that was not the situation I was in. I quickly got into around $100,000 worth of debt. Here's how I managed to pay it off in such a short period of time. 0:00 - Introduction2:05 - #1: Write Down ALL My Debts3:26 - #2: Accept Where You Are3:48 - #3: Write Down All My Assets To Know My Net Position4:20 - #4: Calculate Minimum Required Payments5:37 - #5: Cut Spending DRASTICALLY7:23 - #6: Increase Your Income10:20 - #7: Keep Expenses Low Even As Income Increases11:19 - #8: Create a Buffer Fund14:04 - #9: Have Great People Around You Recommended Videos: How I Got Myself Into Debt How I'm Paying Off Debt Transcription Ryan 0:00Let's talk about debt. Let's talk about bad debt. And let's talk about how to pay off debt. I'm so grateful to say that I am finally, finally, in a position that I am debt free and actually saving towards a deposit for a house. And I found out yesterday that I may actually even have most of my deposit ready and be able to go way faster than I thought. But if you rewind to about two, two and a half years ago, that was not the situation that I was in, I quickly got into a lot of debt, around $100,000 worth of debt once it was all tallied up. And let me tell you, that is a scary, scary figure. So in this episode, I want to talk about the things that I did to get out of such a significant amount of debt debt that was crippling debt that nearly sent me bankrupt. And so if you have bad debt and your life, whether it be as bad as me, or maybe just some credit card debt that you want to get rid of, what are some things that you can do to start to remove that debt, and actually get ahead in life? Hey, I'm Ryan from OnProperty, helping you on your journey to financial freedom. I'm currently at the beautiful garden falls on the Sunshine Coast. And it's taken me a lot of heartache, and a lot of hard work to get here. But I'm excited to share this story with you. I have been financially free through my businesses twice now been in extreme amount of debt and been able to pay that off. And I'm now saving towards my first property, which I should hopefully purchase this year. But if you're in this situation like I was in when you're in debt, how did I go about actually paying that off? and wiping that debt completely? Because I didn't do what everyone told me I should do. I actually tackled this my own way in a way that was true to myself. And I'm obviously really happy with the result having cleared that debt in just two years, but not just cleared it but also created financial freedom through my businesses, again in that two year period. So what did I do that was different? And what can you take away from this? Well, the very first thing that I did was actually sat down and wrote down all of my debts, I lived in denial for a little while thinking, Okay, now I just need to get by, I was going through a married separation. So there's a lot emotionally happening for me, I wasn't ready to write down my debts and deal with that. So I just kind of swept it under the rug, didn't think about it, and was just kind of going on in life. But one day, I remember sitting down in my dad's garage, which was my office at the time, line by line, I went through every debt that I owed from existing debt that I had payment plans on to money that I owed family members to future tax that I would have to pay, which I knew was debt that just wasn't quite jus just yet. I wrote it all down. And it was extremely overwhelming to realize that I was around $100,000 in debt, the exact figure I don't remember. But I do remember that feeling of looking at that and just being like, I am absolutely screwed. There is zero way that I can get out of this. What the hell,

How I Paid Off $100,000 of Debt in 2.5 Years

https://www.youtube.com/watch?v=_lMnvaDCPQ0We are often told to get the best capital growth we should buy the more premium and expensive suburbs and avoid the cheaper suburbs.People things suburbs are cheap for a reason and are going to stay cheap.But is this actually true? Do cheaper suburbs actually underperform compared to more expensive suburbs.Cheap Markets Are Not Under-Performers (Article Link)Select Residential PropertyDSR Data0:00 - Introduction1:23 - Why are cheaper suburbs cheaper2:59 - Cheap vs Expensive Growth Australia Wide5:26 - Cheap vs Expensive in Regions7:00 - Cheap vs Expensive in Smaller Regions8:30 - Cheaper suburbs always perform better no matter which way you look at it9:05 - Cheapest vs Cheaper vs Dearer vs Dearest12:00 - Cheap vs Expensive in Major Capital Cities13:17 - Looking at Deciles15:00 - Looking at a 40 year period16:30 - Cheap vs Expensive Yield17:13 - Why buying cheaper properties could be better than more expensive propertiesRecommended Videos:Do Properties Near The CBD Actually Get More Capital Growth? (Property Data Dive)TranscriptionRyan 0:00We're often told in order to get the best return on investment when buying property that we should buy the more expensive suburbs, the more premium suburbs with the idea being that people in the suburbs maybe have more money. And so I know property's going to grow faster. But what about cheap suburbs? People often think, okay, they're cheaper reason, and they're probably going to stay cheap. But is that actually true to cheap suburbs, underperformed compared to more expensive suburbs? Or is the opposite actually true? So today, I have with me, Jeremy Shepherd from select residential property to actually look through the data and to say, should we be investing in the more expensive suburbs? Or should we be investing in the cheapest other? So hey, Jeremy, thanks for coming on today.Jeremy 0:43Thanks for having me.Ryan 0:45Yeah, this one is really close to home at the moment, because I have saved my deposit, I'm looking to invest in the next few months, three to six months, and looking at different options in South Brisbane for me, but there's the cheapest suburbs, you know, kind of around $350,000 that I can get into with a lower deposit, or there's more expensive suburbs looking at 450 to 550, where obviously, I need a bigger deposit. And so I'm kind of arming an iron between the two. So it'll be interesting to go through this and to see, okay, what could be better?Jeremy 1:19Yeah, well, first of all, they don't underperform. So they're cheap for a reason is true. They are cheaper because they don't have all the nice things that the expensive suburbs have. But that doesn't mean that they underperform just being expensive, doesn't mean that you've had better capital growth. And I think that there's this mistake, mistaken belief that if a suburb is expensive, how did it get there, maybe it had better capital growth, but it's always been more expensive. And there's this correlation between proximity to CBD and higher prices for suburbs close to the CBD in the map, major capitals more expensive than the suburbs get. But they've always been like that they've always been more expensive. And as property investors were not interested in whether our properties is is cheaper, expensive, but whether it has a capital growth, that's the that's what we're after.Ryan 2:11And exactly right. Because let's say I'm going to invest a million dollars over the next couple of years into property or buy a million dollars worth of property, I could buy three for around, you know, $330,000 each, or buy two for 500,000, or one for a million. But what I hear at the end of the day is how much they go up in value. I don't care about the individual property price and its ROI. You know, I think one of the best videos we've done together is whether or not proximity to the CBD does correlate to higher capital growth.

<a href="https://www.youtube.com/watch?v=_lMnvaDCPQ0" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=_lMnvaDCPQ0</a> We are often told to get the best capital growth we should buy the more premium and expensive suburbs and avoid the cheaper suburbs.People things suburbs are cheap for a reason and are going to stay cheap. But is this actually true? Do cheaper suburbs actually underperform compared to more expensive suburbs. Cheap Markets Are Not Under-Performers (Article Link) Select Residential Property DSR Data 0:00 - Introduction1:23 - Why are cheaper suburbs cheaper2:59 - Cheap vs Expensive Growth Australia Wide5:26 - Cheap vs Expensive in Regions7:00 - Cheap vs Expensive in Smaller Regions8:30 - Cheaper suburbs always perform better no matter which way you look at it9:05 - Cheapest vs Cheaper vs Dearer vs Dearest12:00 - Cheap vs Expensive in Major Capital Cities13:17 - Looking at Deciles15:00 - Looking at a 40 year period16:30 - Cheap vs Expensive Yield17:13 - Why buying cheaper properties could be better than more expensive properties Recommended Videos: Do Properties Near The CBD Actually Get More Capital Growth? (Property Data Dive) Transcription Ryan 0:00We're often told in order to get the best return on investment when buying property that we should buy the more expensive suburbs, the more premium suburbs with the idea being that people in the suburbs maybe have more money. And so I know property's going to grow faster. But what about cheap suburbs? People often think, okay, they're cheaper reason, and they're probably going to stay cheap. But is that actually true to cheap suburbs, underperformed compared to more expensive suburbs? Or is the opposite actually true? So today, I have with me, Jeremy Shepherd from select residential property to actually look through the data and to say, should we be investing in the more expensive suburbs? Or should we be investing in the cheapest other? So hey, Jeremy, thanks for coming on today. Jeremy 0:43Thanks for having me. Ryan 0:45Yeah, this one is really close to home at the moment, because I have saved my deposit, I'm looking to invest in the next few months, three to six months, and looking at different options in South Brisbane for me, but there's the cheapest suburbs, you know, kind of around $350,000 that I can get into with a lower deposit, or there's more expensive suburbs looking at 450 to 550, where obviously, I need a bigger deposit. And so I'm kind of arming an iron between the two. So it'll be interesting to go through this and to see, okay, what could be better? Jeremy 1:19Yeah, well, first of all, they don't underperform. So they're cheap for a reason is true. They are cheaper because they don't have all the nice things that the expensive suburbs have. But that doesn't mean that they underperform just being expensive, doesn't mean that you've had better capital growth. And I think that there's this mistake, mistaken belief that if a suburb is expensive, how did it get there, maybe it had better capital growth, but it's always been more expensive. And there's this correlation between proximity to CBD and higher prices for suburbs close to the CBD in the map, major capitals more expensive than the suburbs get. But they've always been like that they've always been more expensive. And as property investors were not interested in whether our properties is is cheaper, expensive, but whether it has a capital growth, that's the that's what we're after. Ryan 2:11And exactly right. Because let's say I'm going to invest a million dollars over the next couple of years into property or buy a million dollars worth of property, I could buy three for around, you know, $330,000 each, or buy two for 500,000, or one for a million. But what I hear at the end of the day is how much they go up in value. I don't care about the individual property price and its ROI. You know, I think one of the best videos we've done together is whether or not proximity to the CBD does correlate to higher capital growth.

Cheap vs Expensive Suburbs: Which Get More Capital Growth?

https://www.youtube.com/watch?v=rk0Kl026uTU&amp;ab_channel=OnPropertyWe are often told that if we are going to invest in property we want to find a suburb or street with low government housing. But is this actually true and does the data support this idea?Or can you invest in an area with high public housing and still get great growth in that area?Public Housing in a Suburb is No Big DealSelect Residential Property0:00 - Introduction1:20 - Why this idea might be false5:08 - What does the data say?10:00 - Yield is not factored in11:25 - Something where there is a clearer trend13:30 - How to use data to build an investment strategy and predict where is likely to be good15:25 - Change in Gov housing vs capital growthRecommended Videos:How To Find Public Housing Hotspots In An AreaWhy Population Growth Does NOT Predict Capital Growth (Data Dive)TranscriptionRyan 0:00We're often told that if we're going to invest in property, we want to find a suburb, we want to find a street with low public housing or low government housing, the idea being that if people own the properties that they're going to invest in them and renovate them, and the suburbs going to go up at a faster rate than other suburbs where that public housing in them are a higher percentage of public housing. But isn't this actually true? When we look at the data? Is this the trend that we say, Oh, can you actually invest in an area with public housing and still get great performance out of your property? So today, I have with me, Jeremy Sheffield, from select residential property to talk about this, to actually dive into the data I'm gonna answer once and for all, as to whether or not this has a big effect on future capital growth or not. So hey, Jeremy, thanks for coming on today.Jeremy 0:50Thanks very much, Ron. And thanks for giving me the opportunity to talk about this topic.Ryan 0:56This is something that has been talked a lot about in the community, there's a lot of experts out there who say to avoid public housing, and honestly, I can understand the reasoning behind it, avoiding you know, issues that can come with that lower socio demographic area, as well as the idea behind, okay, people own the mall owner occupiers, they're going to spend money painting their house and renovating it. And that could live the suburb as a whole. So what does the data actually say?Jeremy 1:25Well, the data suggests that there, it depends, is it there isn't really much in it. So it comes down to how long the social housing has been there. Let's say let's say a suburb is to host the new cities, sewerage treatment works, you can imagine that capital growth in that area is going to be diminished over over the following years. But eventually, that lack of capital growth, while the rest of the city suburbs are growing, eventually be factored into prices. And this is the thing over a long period of time, just about any sort of amenity or eyesore or advantage gets factored into the price of property. And from then on, it's it's business as usual. Queensland University of Technology did an interesting study about Brisbane Airport in in 1980, there was an expansion of Brisbane Airport, there was going to be a new flight path that was going to affect suburbs under that flight path. And for about four years, those suburbs had reduced capital growth. But then after that, it was it was business as usual. So it took four years for that negative amenity, to have an impact on prices, bring them back in balance. And from then on, it was his business as usual. So if your public housing has been there for decades, it is well and truly already factored into the price of property and is having no impact on capital growth.Ryan 2:57So what you're saying here is let's say we have an area that has a very low percentage of public housing, the government decides, okay, we're going to move a lot of public housing into this area increase the percentage...

<a href="https://www.youtube.com/watch?v=rk0Kl026uTU&amp;ab_channel=OnProperty" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=rk0Kl026uTU&amp;ab_channel=OnProperty</a> We are often told that if we are going to invest in property we want to find a suburb or street with low government housing. But is this actually true and does the data support this idea? Or can you invest in an area with high public housing and still get great growth in that area? Public Housing in a Suburb is No Big Deal Select Residential Property 0:00 - Introduction1:20 - Why this idea might be false5:08 - What does the data say?10:00 - Yield is not factored in11:25 - Something where there is a clearer trend13:30 - How to use data to build an investment strategy and predict where is likely to be good15:25 - Change in Gov housing vs capital growth Recommended Videos: How To Find Public Housing Hotspots In An Area Why Population Growth Does NOT Predict Capital Growth (Data Dive) Transcription Ryan 0:00We're often told that if we're going to invest in property, we want to find a suburb, we want to find a street with low public housing or low government housing, the idea being that if people own the properties that they're going to invest in them and renovate them, and the suburbs going to go up at a faster rate than other suburbs where that public housing in them are a higher percentage of public housing. But isn't this actually true? When we look at the data? Is this the trend that we say, Oh, can you actually invest in an area with public housing and still get great performance out of your property? So today, I have with me, Jeremy Sheffield, from select residential property to talk about this, to actually dive into the data I'm gonna answer once and for all, as to whether or not this has a big effect on future capital growth or not. So hey, Jeremy, thanks for coming on today. Jeremy 0:50Thanks very much, Ron. And thanks for giving me the opportunity to talk about this topic. Ryan 0:56This is something that has been talked a lot about in the community, there's a lot of experts out there who say to avoid public housing, and honestly, I can understand the reasoning behind it, avoiding you know, issues that can come with that lower socio demographic area, as well as the idea behind, okay, people own the mall owner occupiers, they're going to spend money painting their house and renovating it. And that could live the suburb as a whole. So what does the data actually say? Jeremy 1:25Well, the data suggests that there, it depends, is it there isn't really much in it. So it comes down to how long the social housing has been there. Let's say let's say a suburb is to host the new cities, sewerage treatment works, you can imagine that capital growth in that area is going to be diminished over over the following years. But eventually, that lack of capital growth, while the rest of the city suburbs are growing, eventually be factored into prices. And this is the thing over a long period of time, just about any sort of amenity or eyesore or advantage gets factored into the price of property. And from then on, it's it's business as usual. Queensland University of Technology did an interesting study about Brisbane Airport in in 1980, there was an expansion of Brisbane Airport, there was going to be a new flight path that was going to affect suburbs under that flight path. And for about four years, those suburbs had reduced capital growth. But then after that, it was it was business as usual. So it took four years for that negative amenity, to have an impact on prices, bring them back in balance. And from then on, it was his business as usual. So if your public housing has been there for decades, it is well and truly already factored into the price of property and is having no impact on capital growth. Ryan 2:57So what you're saying here is let's say we have an area that has a very low percentage of public housing, the government decides, okay, we're going to move a lot of public housing into this area increase the percentage...

Does Public Housing Negatively Affect Capital Growth? (Property Data Dive)

https://www.youtube.com/watch?v=z2TkAOaidtg&amp;ab_channel=OnPropertyExperts often tell us that the more a suburb has grown in the past means that suburb is more likely to grow in the future. But is that actually true and does the property data back up this idea:High Property Growth History is a Red FlagSelect Residential Property0:00 - Introduction1:38 - Why the opposite might actually be true4:45 - What does the data tell us?9:50 - Last 10 years vs next 10 years12:15 - Applying this to cities and larger markets15:00 - Performance of significant urban areas over the last 30 yearsRecommended Videos:Why Population Growth Does NOT Predict Capital Growth (Data Dive)TranscriptionRyan 0:00Experts often tell us that the more a suburb has grown in the path or a suburb with good growth history means that that's above is also likely to grow in the future. So does the past predict the future in terms of Southern growth? But is that is that actually true? Are we actually making these decisions based on data? Or someone just told us this and you know, general consensus has just kind of agreed to it and gone along with it. So today, I have with me, Jeremy Shepherd from select residential property, to look at the data behind this and say, okay, does pass growth actually predict future growth? Or could the opposite be true? And I absolutely love Jeremy, that you just take a super data approach to this. And you're happy to, I guess, come over the top with some, I guess, counterintuitive views on what may be happening here and just provide us with these knowledge bombs of insight. So super excited for this one.Jeremy 0:56Yeah. Well, thanks very much for having me. on your show, Ryan. And this is this is a topic that I I get a lot of heated arguments with, with experts about Yeah, so I'm always falling back on what the data says Show me.Ryan 1:10What is the premise here that the experts are saying, why why do they think that? If an area has grown Well, in the past, it's going to grow? Well, in the future? What is their reasoning? Do you think?Jeremy 1:23Right question. I actually, it is it is peculiar. Why is it just because it did in the past? Why does that mean it will in the future? Because my initial reaction is, well, if it's if it's grown too much in the past, if it's outperformed, and put a massive gap between itself and you know, its neighboring suburbs? Don't the neighboring suburbs look more attractive, because they're now relatively affordable by comparison. And that's the whole concept of this ripple effect where, you know, you have the ideal suburb, everyone's buying there, they love it, prices go up too high. And then people look for the next best. So they think, well, it's not ideal, but it's it's close enough. And so that reduces demand for the ideal suburb, because then it's unaffordable, and increases demand for the next best thing. And that just keeps happening. And it all ripples outwards from, you know, the most affluent, exclusive suburbs.Ryan 2:26Right, our saying today, you would you would expect from the data, the opposite to be true that if a suburb has grown significantly in the past, then it's less likely to see growth in the near to medium term future.Jeremy 2:39That's right. But as as things just balance out,Ryan 2:41or Yeah, may not be triggered growth, but my won't necessarily see more growth in comparison to other suburbs close by.Jeremy 2:49Yeah, that's right. And I do use this. apples and oranges analogy, where picture yourself in a fruit shop 100 years ago, and you can buy an apple for one cent, or orange for two cents. Now, if oranges grew in value at 8% per annum, but apples only grew at 4% per annum, then 100 years later, you'd be spending 50 cents on an apple and $44 for a single orange. It's It's ridiculous. It's still an apple, it's still an orange. Why would you walk into a fruit shop buy $44, one orange,

<a href="https://www.youtube.com/watch?v=z2TkAOaidtg&amp;ab_channel=OnProperty" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=z2TkAOaidtg&amp;ab_channel=OnProperty</a> Experts often tell us that the more a suburb has grown in the past means that suburb is more likely to grow in the future. But is that actually true and does the property data back up this idea: High Property Growth History is a Red Flag Select Residential Property 0:00 - Introduction1:38 - Why the opposite might actually be true4:45 - What does the data tell us?9:50 - Last 10 years vs next 10 years12:15 - Applying this to cities and larger markets15:00 - Performance of significant urban areas over the last 30 years Recommended Videos: Why Population Growth Does NOT Predict Capital Growth (Data Dive) Transcription Ryan 0:00Experts often tell us that the more a suburb has grown in the path or a suburb with good growth history means that that's above is also likely to grow in the future. So does the past predict the future in terms of Southern growth? But is that is that actually true? Are we actually making these decisions based on data? Or someone just told us this and you know, general consensus has just kind of agreed to it and gone along with it. So today, I have with me, Jeremy Shepherd from select residential property, to look at the data behind this and say, okay, does pass growth actually predict future growth? Or could the opposite be true? And I absolutely love Jeremy, that you just take a super data approach to this. And you're happy to, I guess, come over the top with some, I guess, counterintuitive views on what may be happening here and just provide us with these knowledge bombs of insight. So super excited for this one. Jeremy 0:56Yeah. Well, thanks very much for having me. on your show, Ryan. And this is this is a topic that I I get a lot of heated arguments with, with experts about Yeah, so I'm always falling back on what the data says Show me. Ryan 1:10What is the premise here that the experts are saying, why why do they think that? If an area has grown Well, in the past, it's going to grow? Well, in the future? What is their reasoning? Do you think? Jeremy 1:23Right question. I actually, it is it is peculiar. Why is it just because it did in the past? Why does that mean it will in the future? Because my initial reaction is, well, if it's if it's grown too much in the past, if it's outperformed, and put a massive gap between itself and you know, its neighboring suburbs? Don't the neighboring suburbs look more attractive, because they're now relatively affordable by comparison. And that's the whole concept of this ripple effect where, you know, you have the ideal suburb, everyone's buying there, they love it, prices go up too high. And then people look for the next best. So they think, well, it's not ideal, but it's it's close enough. And so that reduces demand for the ideal suburb, because then it's unaffordable, and increases demand for the next best thing. And that just keeps happening. And it all ripples outwards from, you know, the most affluent, exclusive suburbs. Ryan 2:26Right, our saying today, you would you would expect from the data, the opposite to be true that if a suburb has grown significantly in the past, then it's less likely to see growth in the near to medium term future. Jeremy 2:39That's right. But as as things just balance out, Ryan 2:41or Yeah, may not be triggered growth, but my won't necessarily see more growth in comparison to other suburbs close by. Jeremy 2:49Yeah, that's right. And I do use this. apples and oranges analogy, where picture yourself in a fruit shop 100 years ago, and you can buy an apple for one cent, or orange for two cents. Now, if oranges grew in value at 8% per annum, but apples only grew at 4% per annum, then 100 years later, you'd be spending 50 cents on an apple and $44 for a single orange. It's It's ridiculous. It's still an apple, it's still an orange. Why would you walk into a fruit shop buy $44, one orange,

Does Past Growth Predict Future Growth? (Property Data Dive)

https://www.youtube.com/watch?v=x3VbVbDwwuM&amp;ab_channel=OnPropertyThe dream for a lot of people is to make a living doing what you love. Today I'm joined by N'Jaane Taylor and we talk about what we have done to be able to make a living doing things we are passionate about and absolutely love.N'Jaane's YouTube0:00 - Introduction1:30 - #1: Learn to manage your money well first2:28 - #2: Spend time working out what you want to do4:10 - #3: Know when to let go5:05 - #4: Try a lot of different things8:45 - #5: Learn to love the work you do9:45 - #6: Work on yourself11:06 - #7: Be willing to say no to the wrong money12:30 - #8: Learn to say no14:25 - #9: Stop caring what people thinkRecommended Videos:8 Epic Money Tips for Young Adults (Ft. N'Jaane Taylor)TranscriptionN'Jaane 0:00Before you open yourself up, and give away your energy to things that aren't in alignment, the less energy that you have for the things that are in alignment, then when an opportunity comes, that actually is exactly what you need you like coffee.Ryan 0:13Remember that this is your life. This is the one life that you get to live. This is your journey, and you need to be true to yourself and what you want. So I'm very much an advocate for not living the life that someone else wants you to live. The dream for a lot of people is to be able to make a living doing what you love. But actually thinking about that and dreaming about that versus making it happen and enjoying your work and enjoying what you do. He kid the steps between that can be very difficult. And a lot of people find themselves in dead end jobs or things that they don't like that stripping their energy. So in today's episode, I'm joined by new john Taylor, who's one of my best friends who at a very young age has been very successful doing what she absolutely loves. So going from promo work, which he wasn't super stoked on to becoming a DJ and quickly becoming a very successful DJ to now running her own meditate and levitate events. And so today we're going to just kind of discuss, okay, what kind of steps have we taken to create a life where we are doing what we love, whether we're getting paid huge bucks for it or not? Doesn't really matter. But it's that we love coming to work. And look, I'm in a similar situation where I love the work that I do the videos that I create the websites I run, we're currently you know, in Port Macquarie in this amazing spot. So it's a Monday afternoon. So yeah, so I guess that gives us a bit of insight into the situation. And yeah, how can we actually go from a dead end job to doing what we love? Yeah, just just how do you do that?N'Jaane 1:56Well, okay, ifyou want to, if you've watched the last video that we did on money, that obviously definitely helps. If you haven't, just go check that out. But basically, having a good system where you then have a buffer and you have more freedom obviously helps.Ryan 2:13Yeah, so managing your money well, so that you've got a buffer fund. So you've got the freedom to take, and to pursue things or take a pay cut in your life to pursue something that you want can be really important. Because if you've got car loans and expensive rent, or mortgages and just all these overheads in your life, then it can be like, Okay, I need to work every month to pay for these things that are like really not making me happy. They're just forcing me to work. So I can pay for them as late. So stripping that out, getting good money management, so you build up the opposite, which is a buffer fun to say, Okay, I can take six months off, if I want. What do I want to do? Yeah, yeah. So starting, there is a good start. Well,N'Jaane 2:56actually, even that as well, I think having the tools to actually figure out what you want to do. So like, I actually had a girl messaged me the other day, and she was like, I don't know what to do with my life, like, how do you figure out what to do with the life?

<a href="https://www.youtube.com/watch?v=x3VbVbDwwuM&amp;ab_channel=OnProperty" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=x3VbVbDwwuM&amp;ab_channel=OnProperty</a> The dream for a lot of people is to make a living doing what you love. Today I'm joined by N'Jaane Taylor and we talk about what we have done to be able to make a living doing things we are passionate about and absolutely love. N'Jaane's YouTube 0:00 - Introduction1:30 - #1: Learn to manage your money well first2:28 - #2: Spend time working out what you want to do4:10 - #3: Know when to let go5:05 - #4: Try a lot of different things8:45 - #5: Learn to love the work you do9:45 - #6: Work on yourself11:06 - #7: Be willing to say no to the wrong money12:30 - #8: Learn to say no14:25 - #9: Stop caring what people think Recommended Videos: 8 Epic Money Tips for Young Adults (Ft. N'Jaane Taylor) Transcription N'Jaane 0:00Before you open yourself up, and give away your energy to things that aren't in alignment, the less energy that you have for the things that are in alignment, then when an opportunity comes, that actually is exactly what you need you like coffee. Ryan 0:13Remember that this is your life. This is the one life that you get to live. This is your journey, and you need to be true to yourself and what you want. So I'm very much an advocate for not living the life that someone else wants you to live. The dream for a lot of people is to be able to make a living doing what you love. But actually thinking about that and dreaming about that versus making it happen and enjoying your work and enjoying what you do. He kid the steps between that can be very difficult. And a lot of people find themselves in dead end jobs or things that they don't like that stripping their energy. So in today's episode, I'm joined by new john Taylor, who's one of my best friends who at a very young age has been very successful doing what she absolutely loves. So going from promo work, which he wasn't super stoked on to becoming a DJ and quickly becoming a very successful DJ to now running her own meditate and levitate events. And so today we're going to just kind of discuss, okay, what kind of steps have we taken to create a life where we are doing what we love, whether we're getting paid huge bucks for it or not? Doesn't really matter. But it's that we love coming to work. And look, I'm in a similar situation where I love the work that I do the videos that I create the websites I run, we're currently you know, in Port Macquarie in this amazing spot. So it's a Monday afternoon. So yeah, so I guess that gives us a bit of insight into the situation. And yeah, how can we actually go from a dead end job to doing what we love? Yeah, just just how do you do that? N'Jaane 1:56Well, okay, if you want to, if you've watched the last video that we did on money, that obviously definitely helps. If you haven't, just go check that out. But basically, having a good system where you then have a buffer and you have more freedom obviously helps. Ryan 2:13Yeah, so managing your money well, so that you've got a buffer fund. So you've got the freedom to take, and to pursue things or take a pay cut in your life to pursue something that you want can be really important. Because if you've got car loans and expensive rent, or mortgages and just all these overheads in your life, then it can be like, Okay, I need to work every month to pay for these things that are like really not making me happy. They're just forcing me to work. So I can pay for them as late. So stripping that out, getting good money management, so you build up the opposite, which is a buffer fun to say, Okay, I can take six months off, if I want. What do I want to do? Yeah, yeah. So starting, there is a good start. Well, N'Jaane 2:56actually, even that as well, I think having the tools to actually figure out what you want to do. So like, I actually had a girl messaged me the other day, and she was like, I don't know what to do with my life, like, how do you figure out what to do with the life?

Make a Living Doing What You Love (Ft. N’Janne Taylor)

https://www.youtube.com/watch?v=F9rz9q5B74c&amp;ab_channel=OnPropertyWe are often told if we want the best capital growth we need to buy as close to the CBD as possible. But is this actually true and is there any data to back up this advice?Why There's No Need To Buy Near The CBDSelect Residential Property0:00 - Introduction1:13 - Issues with prior reports6:35 - What trend you'd want to see if this was true8:10 - Calculating the data9:25 - The results11:45 - A problem that makes this difficult to assess13:30 - Change in growth/m216:35 - Yield vs distance to CBD19:20 - Don't just look at one data point20:25 - Volatility vs proximity to CBD22:30 - Why are properties near the CBD more expensive?Recommended Videos:Why Population Growth Does NOT Predict Capital Growth (Data Dive)TranscriptionRyan 0:00We're often told that if we want the best capital growth, then we need to buy as close to the CBD as possible and that the further out you get from the CBD, the less capital growth you're going to get in that suburb and in that property. But is this actually true? Today? I have with me, Jeremy Shepard from selected residential property to talk about this. Do we actually need to buy in the CBD or as close to the CBD as possible? And is it true that the further out we get, the worse our capital growth is going to be? When we look at the data? Does it actually tell us a different story? So hey, Jeremy, thanks for coming on today.Jeremy 0:37Thanks for having me. on your show. Ron.Ryan 0:40No worries. So yeah, this is one that I'm really curious about. I know that you take different angles, other people, you look at the data, I guess more,I don't know, less emotionally, you don't draw conclusions as quickly as other people do? And you tend to say no, what does the data actually tell us? And sometimes you throw your hands up and say, Look, it doesn't really tell us much. So I'm excited to hear what conclusions you come to and what data you've looked at. So don't talk us through a bit about what research you've done, what conclusions it's likely to? Yeah, well,Jeremy 1:11I guess it was all triggered by having a look at some prior reports, I've seen quite a few. And it all seemed very convincing. And I tried to replicate the same sort of results and just to a little more well rounded job of it. So for example, people refer to inner ring, middle ring, outer ring, why have we got three rings? A lot of the reports I've seen have just focused on a single city. And I just thought, we need something a little bit more broad. What I wanted to know was, what is the improvement in capital growth per kilometer closer to the CBD? Is it possible to come up with a metric like that. And really, what I found was, there's not really much in it. And it's debatable whether there's anything in it. In fact, if I just scroll down, I think there was a Okay, so I go through some other reports and just point out some of the shortcomings, or some of these reports were quite a few years ago. So we can't really, you know, point a finger at what was done then it was was pretty good for its time. But there is a chart or where I cut to the chase. So I'll just if you'll bear with me, and IRyan 2:24will link to this article down below if people want to go through this go through it in way more detail than we're going to cover in this video. And you can see all the graphs and things here.Jeremy 2:34This is a great one from two big names in real estate. Well, two big names in data in general RBA and real estate Institute of Australia. And, and this chart is a little bit hard to absorb. But what they've done is they've they've tried to create a ratio between these two timeframes, 2014 and 2008 2008. two and six. And the idea of this chart is that prices are getting the difference between inner and outer rings is getting larger and larger over time. So all I did was I tried to replicate this exact same chart,

<a href="https://www.youtube.com/watch?v=F9rz9q5B74c&amp;ab_channel=OnProperty" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=F9rz9q5B74c&amp;ab_channel=OnProperty</a> We are often told if we want the best capital growth we need to buy as close to the CBD as possible. But is this actually true and is there any data to back up this advice? Why There's No Need To Buy Near The CBD Select Residential Property 0:00 - Introduction1:13 - Issues with prior reports6:35 - What trend you'd want to see if this was true8:10 - Calculating the data9:25 - The results11:45 - A problem that makes this difficult to assess13:30 - Change in growth/m216:35 - Yield vs distance to CBD19:20 - Don't just look at one data point20:25 - Volatility vs proximity to CBD22:30 - Why are properties near the CBD more expensive? Recommended Videos: Why Population Growth Does NOT Predict Capital Growth (Data Dive) Transcription Ryan 0:00We're often told that if we want the best capital growth, then we need to buy as close to the CBD as possible and that the further out you get from the CBD, the less capital growth you're going to get in that suburb and in that property. But is this actually true? Today? I have with me, Jeremy Shepard from selected residential property to talk about this. Do we actually need to buy in the CBD or as close to the CBD as possible? And is it true that the further out we get, the worse our capital growth is going to be? When we look at the data? Does it actually tell us a different story? So hey, Jeremy, thanks for coming on today. Jeremy 0:37Thanks for having me. on your show. Ron. Ryan 0:40No worries. So yeah, this is one that I'm really curious about. I know that you take different angles, other people, you look at the data, I guess more, I don't know, less emotionally, you don't draw conclusions as quickly as other people do? And you tend to say no, what does the data actually tell us? And sometimes you throw your hands up and say, Look, it doesn't really tell us much. So I'm excited to hear what conclusions you come to and what data you've looked at. So don't talk us through a bit about what research you've done, what conclusions it's likely to? Yeah, well, Jeremy 1:11I guess it was all triggered by having a look at some prior reports, I've seen quite a few. And it all seemed very convincing. And I tried to replicate the same sort of results and just to a little more well rounded job of it. So for example, people refer to inner ring, middle ring, outer ring, why have we got three rings? A lot of the reports I've seen have just focused on a single city. And I just thought, we need something a little bit more broad. What I wanted to know was, what is the improvement in capital growth per kilometer closer to the CBD? Is it possible to come up with a metric like that. And really, what I found was, there's not really much in it. And it's debatable whether there's anything in it. In fact, if I just scroll down, I think there was a Okay, so I go through some other reports and just point out some of the shortcomings, or some of these reports were quite a few years ago. So we can't really, you know, point a finger at what was done then it was was pretty good for its time. But there is a chart or where I cut to the chase. So I'll just if you'll bear with me, and I Ryan 2:24will link to this article down below if people want to go through this go through it in way more detail than we're going to cover in this video. And you can see all the graphs and things here. Jeremy 2:34This is a great one from two big names in real estate. Well, two big names in data in general RBA and real estate Institute of Australia. And, and this chart is a little bit hard to absorb. But what they've done is they've they've tried to create a ratio between these two timeframes, 2014 and 2008 2008. two and six. And the idea of this chart is that prices are getting the difference between inner and outer rings is getting larger and larger over time. So all I did was I tried to replicate this exact same chart,

Do Properties Near The CBD Actually Get More Capital Growth? (Property Data Dive)

Property Investing Tips Without The Boring

On Property Podcast

ARVE Error: Mode: lazyload not available (ARVE Pro not active?), switching to normal mode{"@context":"http:\/\/schema.org\/","@id":"https:\/\/onproperty.com.au\/behaviors-keeping-you-poor\/#arve-youtube-kwr9xzaucpi64db3289e6226718356640","type":"VideoObject","embedURL":"https:\/\/www.youtube-nocookie.com\/embed\/Kwr9xzaucPI?feature=oembed&amp;iv_load_policy=3&amp;modestbranding=1&amp;rel=0&amp;autohide=1&amp;playsinline=0&amp;autoplay=0"}There are a bunch of behaviours that if you do them you will stay poor. They will keep you down in the dumps and keep you broke. Here are 30 behaviours that will keep you poor.0:00 - Introduction1:13 - #1: Do not look at your finances2:31 - #2: Spend unconsciously4:40 - #3: Focus on how things will make you happy6:19 - #4: Have credit cards, car loans and personal loans8:11 - #5: Increase your monthly subscriptions10:03 - #6: Don't educate yourself11:30 - #7: Have short term thinking12:29 - #8: Assume everything will continue to get better financially14:10 - #9: Blame other people for your financial problems16:07 - #10: Don't have long term goals or plans17:16 - #11: Don't invest18:48 - #12: Make bad investment decisions20:15 - #13: Buy lottery tickets22:04 - #14: Only save what's left over23:39 - #15: Buy things you don't need25:21 - #16: Keep up with the fashion trends26:35 - #17: Spend money you don't have27.47 - #18: Buy everything brand new28:28 - #19: Accumulate bad debt29:58 - #20: As you earn more money increase your lifestyle31:44 - #21: Keep your debt out of sight out of mind34:04 - #22: Only look for problems in your life, not solutions35:13 - #23: Don't try to earn more money36:28 - #24: Surround yourself with poor people38:07 - #25: Try to save your way to financial freedom39:23 - #26: Don't have a budget41:23 - #27: Don't pay off the bad debt in your life42:30 - #28: Believe rich people are evil43:52 - #29: Try to impress people with your money45:04 - #30: Have a scarcity mindset46:39 - SummaryShould You Pay Off Debt or Invest? - https://www.youtube.com/watch?v=eicozV3mK0k Cash flow calendar - https://www.youtube.com/watch?v=OzJWgFvJ5AIRecommended Videos:10 Things We Have Cut From our Budget - https://www.youtube.com/watch?v=eX5DoSRFjN4 How I'm paying off my debt - https://www.youtube.com/watch?v=TPuX7B6BPFYTranscription:Ryan 0:00there are a bunch of behaviors that if you do them you are more likely to stay poor these behaviors keep you down in the dumps they keep you broke and they stop you from moving towards your financial goals towards financial freedom towards building wealth and i myself have been guilty of many of these behaviors in the past and even some of them now so in today's episode we're going to look at 30 different behaviors that are keeping you poor hi i'm ryan from onproperty com au helping you achieve financial freedom and what i want you to do is as we go through this list i want you to think about does this apply to your life are you implementing this behavior is this behavior keeping you poor and do you need to shed this behavior in order to move towards financial freedom now some of you listening may have a whole bunch of these behaviors in your life some of you may only have one of these behaviors so it's up to you to determine which ones of these apply to you and then to systematically work on removing those behaviors from your life and replacing them with behaviors that are actually going to make you wealthy so without further ado let's get into it behavior number one do not look at your finances do not track your finances do not pay attention to how much money is left in your bank account just put your head in the sand close your eyes tap your card and just hope that there's enough money in your bank account to go through so rather than actually thinking about things rather than actually maintaining your focus on your finances seeing how much you've spent for the way just simply don't track your finan...

ARVE Error: Mode: lazyload not available (ARVE Pro not active?), switching to normal mode {"@context":"http:\/\/<a href="http://schema.org" rel="nofollow" target="_blank">schema.org</a>\/","@id":"https:\/\/<a href="http://onproperty.com.au" rel="nofollow" target="_blank">onproperty.com.au</a>\/behaviors-keeping-you-poor\/#arve-youtube-kwr9xzaucpi64db3289e6226718356640","type":"VideoObject","embedURL":"https:\/\/<a href="http://www.youtube-nocookie.com" rel="nofollow" target="_blank">www.youtube-nocookie.com</a>\/embed\/Kwr9xzaucPI?feature=oembed&amp;iv_load_policy=3&amp;modestbranding=1&amp;rel=0&amp;autohide=1&amp;playsinline=0&amp;autoplay=0"} There are a bunch of behaviours that if you do them you will stay poor. They will keep you down in the dumps and keep you broke. Here are 30 behaviours that will keep you poor. 0:00 - Introduction 1:13 - #1: Do not look at your finances 2:31 - #2: Spend unconsciously 4:40 - #3: Focus on how things will make you happy 6:19 - #4: Have credit cards, car loans and personal loans 8:11 - #5: Increase your monthly subscriptions 10:03 - #6: Don't educate yourself 11:30 - #7: Have short term thinking 12:29 - #8: Assume everything will continue to get better financially 14:10 - #9: Blame other people for your financial problems 16:07 - #10: Don't have long term goals or plans 17:16 - #11: Don't invest 18:48 - #12: Make bad investment decisions 20:15 - #13: Buy lottery tickets 22:04 - #14: Only save what's left over 23:39 - #15: Buy things you don't need 25:21 - #16: Keep up with the fashion trends 26:35 - #17: Spend money you don't have 27.47 - #18: Buy everything brand new 28:28 - #19: Accumulate bad debt 29:58 - #20: As you earn more money increase your lifestyle 31:44 - #21: Keep your debt out of sight out of mind 34:04 - #22: Only look for problems in your life, not solutions 35:13 - #23: Don't try to earn more money 36:28 - #24: Surround yourself with poor people 38:07 - #25: Try to save your way to financial freedom 39:23 - #26: Don't have a budget 41:23 - #27: Don't pay off the bad debt in your life 42:30 - #28: Believe rich people are evil 43:52 - #29: Try to impress people with your money 45:04 - #30: Have a scarcity mindset 46:39 - Summary Should You Pay Off Debt or Invest? - <a href="https://www.youtube.com/watch?v=eicozV3mK0k" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=eicozV3mK0k</a> Cash flow calendar - <a href="https://www.youtube.com/watch?v=OzJWgFvJ5AI" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=OzJWgFvJ5AI</a> Recommended Videos: 10 Things We Have Cut From our Budget - <a href="https://www.youtube.com/watch?v=eX5DoSRFjN4" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=eX5DoSRFjN4</a> How I'm paying off my debt - <a href="https://www.youtube.com/watch?v=TPuX7B6BPFY" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=TPuX7B6BPFY</a> Transcription: Ryan 0:00there are a bunch of behaviors that if you do them you are more likely to stay poor these behaviors keep you down in the dumps they keep you broke and they stop you from moving towards your financial goals towards financial freedom towards building wealth and i myself have been guilty of many of these behaviors in the past and even some of them now so in today's episode we're going to look at 30 different behaviors that are keeping you poor hi i'm ryan from onproperty com au helping you achieve financial freedom and what i want you to do is as we go through this list i want you to think about does this apply to your life are you implementing this behavior is this behavior keeping you poor and do you need to shed this behavior in order to move towards financial freedom now some of you listening may have a whole bunch of these behaviors in your life some of you may only have one of these behaviors so it's up to you to determine which ones of these apply to you and then to systematically work on removing those behaviors from your life and replacing them with behaviors that are actually going to make you wealthy so without further ado let's get into it behavior number one do not look at your finances do not track your finances do not pay attention to how much money is left in your bank account just put your head in the sand close your eyes tap your card and just hope that there's enough money in your bank account to go through so rather than actually thinking about things rather than actually maintaining your focus on your finances seeing how much you've spent for the way just simply don't track your finan...

30 Behaviors That Are Keeping You Poor

https://www.youtube.com/watch?v=OzJWgFvJ5AIThis budgeting tool has really helped me prepare for my future and minimise my overwhelm and anxiety and manage my finances. That is a cash flow calendar. What is a cash flow calendar and how can you use one in your life?0:29 - What is a cash flow calendar?1:40 - How do you create a cash flow calendar?3:27 - What to do once you've created your cash flow calendar5:34 - How this helps relieve my anxiety and prepare for my futureRecommended Videos:How I Got Myself Into DebtHow I Am Paying Off DebtTranscription:Ryan 0:03hi ryan here from onproperty.com.au helping you achieve financial freedom in today's episode i want to talk about a budgeting tool that has really really helped me over the last couple of months to prepare for my future to minimize my overwhelm and anxiety and just really helped me to manage my finances and that is a cash flow calendar so in this episode i'm going to talk about what a cashflow calendar is and how you can use one in your life so what is a cashflow calendar uh well it is basically what it sounds like it's a calendar of the year where you map out your cash flow so you map out your incoming income and you map out your outgoing expenses as well so as you'll know that there are things throughout the year that you don't have to pay every single week or every single month but you have to pay them in one lump sum maybe once a year maybe twice a year whatever it may be so something like car registration is a perfect example where it tends to come around once a year for most of us you can do it six months as well and if you're not expecting this and you get hit with a bill for car registration or for health insurance or for whatever it may be and you haven't put the money aside then that can put you in a really difficult financial position so taking the time to create a cash flow calendar has been really useful for me both with my expenses as well as my plan to pay off debt and can be really useful for you as well so how do you create a cash flow calendar well for me what i did was i jumped into excel and i created an excel document i actually use google sheets because it's free and easy to use and i can access it from any website i mean from any computer and so basically go into google sheets and i would create the 12 months of the year and then down the column the first column i would just list all my major expenses so i would list my car registration i would list car insurance health insurance i would also list monthly expenses as well so like internet and my phone bill quarterly expenses like electricity and gas bills as well as something that you would put in there and then for me as well i also listed my debt repayment so when i have to pay back certain debts when i have to pay interest which is monthly as well as when i have to pay the full amount of particular debt as well so basically i took the time to map out across the entire year what all of my major expenses will be as well as what my ongoing expenses are so things like i have a weekly discretionary budget so i have a certain amount of money that i give to myself each week that i can spend on things like petrol food going out etc i put that into the cash flow calendar as well as a monthly figure so basically i spend the time to map out my entire year and that gave me totals for each and every month as well as totals for the entire year and that then allows you to prepare for the coming months so if i can see that this month i don't have many expenses and i've got a bit of extra money but i know that registration is coming up in four months time then i can prepare for that and say okay do i have enough money to pay for registration and so once i've created my cash flow calendar what i then do is look at all of my major expenses and look at how much do i need to save in order to be able to pay for those expenses so i put it i put them all into a chunk that i call bi...

<a href="https://www.youtube.com/watch?v=OzJWgFvJ5AI" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=OzJWgFvJ5AI</a> This budgeting tool has really helped me prepare for my future and minimise my overwhelm and anxiety and manage my finances. That is a cash flow calendar. What is a cash flow calendar and how can you use one in your life? 0:29 - What is a cash flow calendar?1:40 - How do you create a cash flow calendar?3:27 - What to do once you've created your cash flow calendar5:34 - How this helps relieve my anxiety and prepare for my future Recommended Videos: How I Got Myself Into Debt How I Am Paying Off Debt Transcription: Ryan 0:03hi ryan here from <a href="http://onproperty.com.au" rel="nofollow" target="_blank">onproperty.com.au</a> helping you achieve financial freedom in today's episode i want to talk about a budgeting tool that has really really helped me over the last couple of months to prepare for my future to minimize my overwhelm and anxiety and just really helped me to manage my finances and that is a cash flow calendar so in this episode i'm going to talk about what a cashflow calendar is and how you can use one in your life so what is a cashflow calendar uh well it is basically what it sounds like it's a calendar of the year where you map out your cash flow so you map out your incoming income and you map out your outgoing expenses as well so as you'll know that there are things throughout the year that you don't have to pay every single week or every single month but you have to pay them in one lump sum maybe once a year maybe twice a year whatever it may be so something like car registration is a perfect example where it tends to come around once a year for most of us you can do it six months as well and if you're not expecting this and you get hit with a bill for car registration or for health insurance or for whatever it may be and you haven't put the money aside then that can put you in a really difficult financial position so taking the time to create a cash flow calendar has been really useful for me both with my expenses as well as my plan to pay off debt and can be really useful for you as well so how do you create a cash flow calendar well for me what i did was i jumped into excel and i created an excel document i actually use google sheets because it's free and easy to use and i can access it from any website i mean from any computer and so basically go into google sheets and i would create the 12 months of the year and then down the column the first column i would just list all my major expenses so i would list my car registration i would list car insurance health insurance i would also list monthly expenses as well so like internet and my phone bill quarterly expenses like electricity and gas bills as well as something that you would put in there and then for me as well i also listed my debt repayment so when i have to pay back certain debts when i have to pay interest which is monthly as well as when i have to pay the full amount of particular debt as well so basically i took the time to map out across the entire year what all of my major expenses will be as well as what my ongoing expenses are so things like i have a weekly discretionary budget so i have a certain amount of money that i give to myself each week that i can spend on things like petrol food going out etc i put that into the cash flow calendar as well as a monthly figure so basically i spend the time to map out my entire year and that gave me totals for each and every month as well as totals for the entire year and that then allows you to prepare for the coming months so if i can see that this month i don't have many expenses and i've got a bit of extra money but i know that registration is coming up in four months time then i can prepare for that and say okay do i have enough money to pay for registration and so once i've created my cash flow calendar what i then do is look at all of my major expenses and look at how much do i need to save in order to be able to pay for those expenses so i put it i put them all into a chunk that i call bi...

This Budgeting Tool Reduces Overwhelm and Anxiety (Quick Money Mondays)

https://www.youtube.com/watch?v=CuLnACEGVK0The 4 Disciplines of Execution is a great leadership book to help businesses achieve goals but I actually found this extremely useful in my personal life. In this book review I discuss the key ideas in the book and how you can apply them to your lifeThe 4 Disciplines of Execution (on Amazon)0:00 - Introduction1:25 - The 4 Key Concepts in the Book2:19 - #1: Wildly Important Goals3:10 - The Whirlwind in your life3:54 - #2: Lead Measures (Things You Do)6:02 - #3: Create an engaging scoreboard8:29 - #4: Keep Accountable9:10 - Summary of the 4 Disciplines of ExecutionTranscription:I recently read the book the four disciplines of execution which is ideally a business leadership book to help people who run businesses and run teams to get the company and the teams to implement strategies to achieve goals but I actually found this book extremely useful in my own life of my small one-man operation in terms of my business as well as applying to my own personal finances as well so in this episode I want to do a review of the four disciplines of execution talk about the key concepts in the book and more specifically talk about how you can apply them to your everyday life and your own personal goals this book was extremely valuable and came at the exact right time when I needed it in my business as you may know I have been in debt lately I'm currently paying that off and I'm working towards growing my passive income quite significantly ideally over the next couple of years but staying focused on that when I do work that doesn't have a payoff for 6 or 12 months is very important and this book really provided a framework for doing that a framework for staying on track and a framework for getting motivated so let's have a look at the key concepts in this book and then I'll suggest some ways that you may be able to apply them to your own life and your own personal finances in order to move towards financial freedom so the book really has just four key concepts so the four disciplines of execution and they are the first one is to create wildly important goals so just having one or two goals per year that you're focusing on not even per year just one or two goals then you're focusing on which ultimately have a deadline so I'll break all of these down in more detail but first I'll just summarize them so set one or two wildly important goals create lead measures so have things that you do that result in lag measures or that result in results that are in line with your goals the next thing is to have an engaging scoreboard to track your results and then lastly keep yourself accountable or have weekly meetings if you're running a team so there the four disciplines while the important goals lead measures engaging school board and keeping accountable so let's go through them in more detail the first section talks about wildly important goals so these are the most important goals in your life or in your business that you are focusing on these are the things that are going to move the dial that are going to change the business or the company or change your personal finances so for me for business it is about growing the level of my passive income in the business and so there's two different aspects of that so I have two different goals or wildly important goals that I want to achieve this year that go across two different online businesses that I have so they might do while the important goals in my personal life my wildly important goal is to pay off all my debt ideally by the end of 2019 so by the end of this year pay off all my debt so I've got my wildly important business goals and my wildly important personal goals the book talks about the thing called the whirlwind which is basically there's activities in your life and in your business that you need to do just to keep things operating so there's emails you need to respond to reports that need to go out things that you hav...

<a href="https://www.youtube.com/watch?v=CuLnACEGVK0" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=CuLnACEGVK0</a> The 4 Disciplines of Execution is a great leadership book to help businesses achieve goals but I actually found this extremely useful in my personal life. In this book review I discuss the key ideas in the book and how you can apply them to your life The 4 Disciplines of Execution (on Amazon) 0:00 - Introduction 1:25 - The 4 Key Concepts in the Book 2:19 - #1: Wildly Important Goals 3:10 - The Whirlwind in your life 3:54 - #2: Lead Measures (Things You Do) 6:02 - #3: Create an engaging scoreboard 8:29 - #4: Keep Accountable 9:10 - Summary of the 4 Disciplines of Execution Transcription: I recently read the book the four disciplines of execution which is ideally a business leadership book to help people who run businesses and run teams to get the company and the teams to implement strategies to achieve goals but I actually found this book extremely useful in my own life of my small one-man operation in terms of my business as well as applying to my own personal finances as well so in this episode I want to do a review of the four disciplines of execution talk about the key concepts in the book and more specifically talk about how you can apply them to your everyday life and your own personal goals this book was extremely valuable and came at the exact right time when I needed it in my business as you may know I have been in debt lately I'm currently paying that off and I'm working towards growing my passive income quite significantly ideally over the next couple of years but staying focused on that when I do work that doesn't have a payoff for 6 or 12 months is very important and this book really provided a framework for doing that a framework for staying on track and a framework for getting motivated so let's have a look at the key concepts in this book and then I'll suggest some ways that you may be able to apply them to your own life and your own personal finances in order to move towards financial freedom so the book really has just four key concepts so the four disciplines of execution and they are the first one is to create wildly important goals so just having one or two goals per year that you're focusing on not even per year just one or two goals then you're focusing on which ultimately have a deadline so I'll break all of these down in more detail but first I'll just summarize them so set one or two wildly important goals create lead measures so have things that you do that result in lag measures or that result in results that are in line with your goals the next thing is to have an engaging scoreboard to track your results and then lastly keep yourself accountable or have weekly meetings if you're running a team so there the four disciplines while the important goals lead measures engaging school board and keeping accountable so let's go through them in more detail the first section talks about wildly important goals so these are the most important goals in your life or in your business that you are focusing on these are the things that are going to move the dial that are going to change the business or the company or change your personal finances so for me for business it is about growing the level of my passive income in the business and so there's two different aspects of that so I have two different goals or wildly important goals that I want to achieve this year that go across two different online businesses that I have so they might do while the important goals in my personal life my wildly important goal is to pay off all my debt ideally by the end of 2019 so by the end of this year pay off all my debt so I've got my wildly important business goals and my wildly important personal goals the book talks about the thing called the whirlwind which is basically there's activities in your life and in your business that you need to do just to keep things operating so there's emails you need to respond to reports that need to go out things that you hav...

The 4 Disciplines of Execution Review and How To Apply It To Your Personal Life

https://www.youtube.com/watch?v=EA0hbw7TdxAWhen it comes to growing your wealth significantly you need to change as a person in order to do that. You need new ideas, new belief systems and new ways of doing things if you want to move from middle class to truely wealthy.0:00 - Introduction0:55 - Rich people see the world in a different way2:00 - 10 Years ago I changed my mindset and it led to me achieving financial freedom at 284:17 - Moving from middle class to becoming rich6:17 - You need to inject new ideas into your life8:09 - How to challenge yourself with new beliefs11:50 - Learning to earn mid-high 6 figuresRecommended Videos:It's Ok To Make Financial MistakesTranscription:Ryan 0:00comes to growing your wealth significantly. You need to change as a person in order to do that there is wealth creation and growing your wealth really slowly and incrementally just by doing the basics, which is spending less than you earn, saving what you can and then investing and obviously that can build and compound over time. But if you look at the most successful and richest people, did they get rich by doing that by just working an average job saving a little bit each and every month? And then going ahead and investing that and growing it? The answer to that question is generally speaking, no, is that the most wealthy people are doing something completely different to us and looking at things in a completely different way to us. I'm currently reading the book fake by Robert Kiyosaki. And in that book, he talks about how he'll go to seminars and talk about the way he invest in real estate with no money down or the types of deals that he does. And he says, inevitably, people always say to me, you can't do that here, or I can't do that here, for whatever reason. And then he answers back to them that they may not be able to do it here. But he can. So Robert Kiyosaki sees the world in a different way, and is just way more expansive around money than a lot of us more experienced, and can do deals that makes him millions of dollars, without costing him millions in a way that I couldn't even fathom at this point in time. So there's multiple ways to get wealthy. Obviously, there's the basics of less than less than we earn, let's pay off our debt, let's accumulate assets. But then there's this next layer on top of that is, actually let's jump from poor, to middle class to wealthy. And to jump from I think middle class to wealthy just requires a massive change in mindset, and massive change in the way that you see money. I remember 10 years ago, I spent probably one or two months reading through almost every single Robert Kiyosaki book, just because I wanted to change the way that I saw money, and changed the way that I looked at things. And so I read and consumed these books every day for a couple of months, and just started to rewire my brain, looking at money, and looking at generating passive income, and focusing on that over building assets or the other things that people were focusing on, especially in the property investing space, at that point in time. And I just remember going through a massive transformation 10 years ago, when I was reading these books, and the way that I saw the world, and the way that I saw money changed dramatically. And then what happened over the next seven or eight years, is that I worked in a job at one point, but I built up a business on the side that generated me passive income, I saw an opportunity where if I created websites and wrote articles that they could rank, and they could get traffic and make money for years. So I've got a website that I made probably seven or eight years ago, that I haven't touched in seven or eight years, that makes me $100 per month. And it's passive, it's worth that I did all those years ago, that is now making me passive income. And so because of that change in mindset and change of what I was focusing on, it changed the work that I did,

<a href="https://www.youtube.com/watch?v=EA0hbw7TdxA" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=EA0hbw7TdxA</a> When it comes to growing your wealth significantly you need to change as a person in order to do that. You need new ideas, new belief systems and new ways of doing things if you want to move from middle class to truely wealthy. 0:00 - Introduction 0:55 - Rich people see the world in a different way 2:00 - 10 Years ago I changed my mindset and it led to me achieving financial freedom at 28 4:17 - Moving from middle class to becoming rich 6:17 - You need to inject new ideas into your life 8:09 - How to challenge yourself with new beliefs 11:50 - Learning to earn mid-high 6 figures Recommended Videos: It's Ok To Make Financial Mistakes Transcription: Ryan 0:00comes to growing your wealth significantly. You need to change as a person in order to do that there is wealth creation and growing your wealth really slowly and incrementally just by doing the basics, which is spending less than you earn, saving what you can and then investing and obviously that can build and compound over time. But if you look at the most successful and richest people, did they get rich by doing that by just working an average job saving a little bit each and every month? And then going ahead and investing that and growing it? The answer to that question is generally speaking, no, is that the most wealthy people are doing something completely different to us and looking at things in a completely different way to us. I'm currently reading the book fake by Robert Kiyosaki. And in that book, he talks about how he'll go to seminars and talk about the way he invest in real estate with no money down or the types of deals that he does. And he says, inevitably, people always say to me, you can't do that here, or I can't do that here, for whatever reason. And then he answers back to them that they may not be able to do it here. But he can. So Robert Kiyosaki sees the world in a different way, and is just way more expansive around money than a lot of us more experienced, and can do deals that makes him millions of dollars, without costing him millions in a way that I couldn't even fathom at this point in time. So there's multiple ways to get wealthy. Obviously, there's the basics of less than less than we earn, let's pay off our debt, let's accumulate assets. But then there's this next layer on top of that is, actually let's jump from poor, to middle class to wealthy. And to jump from I think middle class to wealthy just requires a massive change in mindset, and massive change in the way that you see money. I remember 10 years ago, I spent probably one or two months reading through almost every single Robert Kiyosaki book, just because I wanted to change the way that I saw money, and changed the way that I looked at things. And so I read and consumed these books every day for a couple of months, and just started to rewire my brain, looking at money, and looking at generating passive income, and focusing on that over building assets or the other things that people were focusing on, especially in the property investing space, at that point in time. And I just remember going through a massive transformation 10 years ago, when I was reading these books, and the way that I saw the world, and the way that I saw money changed dramatically. And then what happened over the next seven or eight years, is that I worked in a job at one point, but I built up a business on the side that generated me passive income, I saw an opportunity where if I created websites and wrote articles that they could rank, and they could get traffic and make money for years. So I've got a website that I made probably seven or eight years ago, that I haven't touched in seven or eight years, that makes me $100 per month. And it's passive, it's worth that I did all those years ago, that is now making me passive income. And so because of that change in mindset and change of what I was focusing on, it changed the work that I did,

Grow Your Wealth Exponentially By Expanding Your Mind

ARVE Error: Mode: lazyload not available (ARVE Pro not active?), switching to normal mode{"@context":"http:\/\/schema.org\/","@id":"https:\/\/onproperty.com.au\/11-things-to-do-if-youre-not-ready-to-invest-in-property-yet\/#arve-youtube-togha6ap6ve64db328a7e3ce722387227","type":"VideoObject","embedURL":"https:\/\/www.youtube-nocookie.com\/embed\/TOGHA6ap6vE?feature=oembed&amp;iv_load_policy=3&amp;modestbranding=1&amp;rel=0&amp;autohide=1&amp;playsinline=0&amp;autoplay=0"}If you're passionate about investing in property but not quite ready to go then here are 11 things you can do if you're not ready to invest in property yet.0:00 - Introduction0:55 - #1: Learn How To Budget2:28 - #2: Automate Your Finances3:20 - #3: Pay off Debt3:50 - #4: Pay Yourself First4:50 - #5: Earn More Money5:37 - #6: See a Mortgage Broker7:08 - #7: Start Reading Books8:13 - #8: Get The Right Property Investment Strategy9:22 - Get one-on-one help10:00 - #9: Find The Best Suburbs To Invest In11:47 - #10: Find The Best Properties in a Suburb12:38 - #11: Learn To Assess The Cash Flow of a PropertyResources Mentioned:Advanced Suburb Research Course - https://onproperty.com.au/suburbProperty Tools - https://propertytools.com.auRecommended BooksThe Barefoot Investor - https://onproperty.com.au/barefootLinchpin - https://onproperty.com.au/linchpinRecommended Videos10 Ways To Make Money From Scratch - https://www.youtube.com/watch?v=FIvRMTXcLbsHow To Find The Best Properties in a Suburb - https://www.youtube.com/watch?v=7f0ETsKRD0UTranscription:So you passionate about investing in property, you want to start building out those foundational properties, work towards financial freedom, but you're not quite ready to invest yet. Maybe you haven't quite savior deposit, maybe can't quite get a loan yet. Here's 11 different things that you can do if you're not quite there yet and not quite ready to invest, and these 11 things go into two major categories. The first category is what I call your financial house or getting your financial house in order, and the second category is your property investment skills, which you can work on even if you're not quite ready to buy yet. So let's jump in and first talk about getting your financial house in order, which is going to be key if you're going to save a deposit and if you're going to be in a position to borrow money from the banks in order to purchase a property, the first thing that you need to do to get your financial house in order is to actually learn how to budget.This is something that took me years to work out. I tried multiple different types of budgeting and none of them really worked for me. That was until I read this book, the barefoot investor. If you haven't checked it out, go ahead and check it out. I'll leave the links in the description down below or you can go to on-property dot com dot EU for sash barefoot. In here he talks about how to automate your finances, how to set a budget, and I found this extremely helpful and has just been great. I also kind of did. I slightly edited what he recommends, so if you want to check that out, just go to youtube and search barefoot. Investor bank accounts and my video will come up for that one. So step number one is learning how to budget. So little quick rundown of how I do it is that basically each week I pay myself, so money automatically goes for rent, it goes for paying off debt, it goes for savings.And then I have a weekly amount that I can live off my other bills are also accounted for and paid for, but I have a weekly discretionary income that I can use towards food, towards going out towards whatever it may be. So everything is automated in terms of paying off debt savings, paying the bills, and then I have a set amount each week that I can live off and that's just the best way I've found to do it. The second thing you can do, which is kind of in line with the first one and learning how to budget and...

ARVE Error: Mode: lazyload not available (ARVE Pro not active?), switching to normal mode {"@context":"http:\/\/<a href="http://schema.org" rel="nofollow" target="_blank">schema.org</a>\/","@id":"https:\/\/<a href="http://onproperty.com.au" rel="nofollow" target="_blank">onproperty.com.au</a>\/11-things-to-do-if-youre-not-ready-to-invest-in-property-yet\/#arve-youtube-togha6ap6ve64db328a7e3ce722387227","type":"VideoObject","embedURL":"https:\/\/<a href="http://www.youtube-nocookie.com" rel="nofollow" target="_blank">www.youtube-nocookie.com</a>\/embed\/TOGHA6ap6vE?feature=oembed&amp;iv_load_policy=3&amp;modestbranding=1&amp;rel=0&amp;autohide=1&amp;playsinline=0&amp;autoplay=0"} If you're passionate about investing in property but not quite ready to go then here are 11 things you can do if you're not ready to invest in property yet. 0:00 - Introduction 0:55 - #1: Learn How To Budget 2:28 - #2: Automate Your Finances 3:20 - #3: Pay off Debt 3:50 - #4: Pay Yourself First 4:50 - #5: Earn More Money 5:37 - #6: See a Mortgage Broker 7:08 - #7: Start Reading Books 8:13 - #8: Get The Right Property Investment Strategy 9:22 - Get one-on-one help 10:00 - #9: Find The Best Suburbs To Invest In 11:47 - #10: Find The Best Properties in a Suburb 12:38 - #11: Learn To Assess The Cash Flow of a Property Resources Mentioned: Advanced Suburb Research Course - <a href="https://onproperty.com.au/suburb" rel="nofollow" target="_blank">https://onproperty.com.au/suburb</a> Property Tools - <a href="https://propertytools.com.au" rel="nofollow" target="_blank">https://propertytools.com.au</a> Recommended Books The Barefoot Investor - <a href="https://onproperty.com.au/barefoot" rel="nofollow" target="_blank">https://onproperty.com.au/barefoot</a> Linchpin - <a href="https://onproperty.com.au/linchpin" rel="nofollow" target="_blank">https://onproperty.com.au/linchpin</a> Recommended Videos 10 Ways To Make Money From Scratch - <a href="https://www.youtube.com/watch?v=FIvRMTXcLbs" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=FIvRMTXcLbs</a> How To Find The Best Properties in a Suburb - <a href="https://www.youtube.com/watch?v=7f0ETsKRD0U" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=7f0ETsKRD0U</a> Transcription: So you passionate about investing in property, you want to start building out those foundational properties, work towards financial freedom, but you're not quite ready to invest yet. Maybe you haven't quite savior deposit, maybe can't quite get a loan yet. Here's 11 different things that you can do if you're not quite there yet and not quite ready to invest, and these 11 things go into two major categories. The first category is what I call your financial house or getting your financial house in order, and the second category is your property investment skills, which you can work on even if you're not quite ready to buy yet. So let's jump in and first talk about getting your financial house in order, which is going to be key if you're going to save a deposit and if you're going to be in a position to borrow money from the banks in order to purchase a property, the first thing that you need to do to get your financial house in order is to actually learn how to budget. This is something that took me years to work out. I tried multiple different types of budgeting and none of them really worked for me. That was until I read this book, the barefoot investor. If you haven't checked it out, go ahead and check it out. I'll leave the links in the description down below or you can go to on-property dot com dot EU for sash barefoot. In here he talks about how to automate your finances, how to set a budget, and I found this extremely helpful and has just been great. I also kind of did. I slightly edited what he recommends, so if you want to check that out, just go to youtube and search barefoot. Investor bank accounts and my video will come up for that one. So step number one is learning how to budget. So little quick rundown of how I do it is that basically each week I pay myself, so money automatically goes for rent, it goes for paying off debt, it goes for savings. And then I have a weekly amount that I can live off my other bills are also accounted for and paid for, but I have a weekly discretionary income that I can use towards food, towards going out towards whatever it may be. So everything is automated in terms of paying off debt savings, paying the bills, and then I have a set amount each week that I can live off and that's just the best way I've found to do it. The second thing you can do, which is kind of in line with the first one and learning how to budget and...

11 Things To Do If You’re Not Ready To Invest In Property Yet

https://www.youtube.com/watch?v=QIBa44ZHqcoA lot of people talk about 10 properties in 10 years but how many properties do you actually need to be financially free?Resources Mentioned:0-130 Properties in 3.5 Years by Steve McKnightProperty Tools2 Properties To Financial FreedomRecommended Videos:How To Own Multiple PropertiesTranscriptions:a lot of people talk about 10 properties in 10 years or obviously they're Steve McKnight's famous book of 0 to 130 properties in three and a half years but how many properties do you actually need to be financially free do you need 10 do you need a hundred and thirty that's all we're going to talk about in today's episode hey i'm ryan from on-property helping you achieve financial freedom and really excited to get down to the nuts and bolts of this topic to help you assess how many properties you actually need to be financially free because there's a lot of different things that changes how many properties you're going to need your investment strategy what the rental yield of that property is going to be as well as what income level you want to achieve in order to consider yourself financially free I like to think of two different income levels when it comes to financial freedom baseline financial freedom and that's the financial freedom where look I can get by I can live a pretty good pretty happy life but I don't have those little extra luxuries in life I don't have a lot of extra money to travel overseas every single year etc so you got baseline financial freedom we can just live a normal everyday life don't get your coffee once a day twice a day three times a day four times who's judging alright no one's judging you yeah you can live kind of a normal life on that baseline financial freedom so there's a few ways that you can look at this and a few ways you can calculate how many properties you need to be financially free and they're going to explain why Steve McKnight needed 130 properties and why you might only need two properties so 132 - they're obviously very different so let's get into it I think one of the best ways to understand okay how many properties do I need as a baseline to start with is to actually estimate owning properties without a mortgage so let's pretend you're investing today you're purchasing properties you're going to go principal and interest hopefully they're positive cash flow but over time you're going to pay those properties off and eventually you'll own those properties outright so how many properties would you need to know own outright in order to be financially free now depending on how much you want to be earning and depending on the rental yield other properties is going to depend on how many properties you need so let me get my phone out and do some calculations here so let's say we're gonna need a hundred thousand dollars in passive income in today's money now when we're looking at the rental income of a property they're still going to be some expenses in there okay we've got insurances council rates property manager fees etc so generally you'd want to calculate about twenty to thirty percent of that income for those expenses so a hundred thousand dollars let's say we're calculating twenty percent that's actually only eighty percent of the total rental income that we need so we need a bit more than that so that when we take out our twenty percent we're left with a hundred thousand that we can live off so to do that calculation we do a hundred thousand divided by eighty that gives us the total value of one percent and then times by 100 so that means we need one hundred and twenty five thousand dollars per year in rental income in order to achieve that hundred thousand dollars a year now let's go ahead and divide that by 52 because there's 52 weeks in a year that's going to give us a total amount of two thousand four hundred and three dollars and 85 cents so let's call that let's just call it two thousand four hu...

<a href="https://www.youtube.com/watch?v=QIBa44ZHqco" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=QIBa44ZHqco</a> A lot of people talk about 10 properties in 10 years but how many properties do you actually need to be financially free? Resources Mentioned: 0-130 Properties in 3.5 Years by Steve McKnight Property Tools 2 Properties To Financial Freedom Recommended Videos: How To Own Multiple Properties Transcriptions: a lot of people talk about 10 properties in 10 years or obviously they're Steve McKnight's famous book of 0 to 130 properties in three and a half years but how many properties do you actually need to be financially free do you need 10 do you need a hundred and thirty that's all we're going to talk about in today's episode hey i'm ryan from on-property helping you achieve financial freedom and really excited to get down to the nuts and bolts of this topic to help you assess how many properties you actually need to be financially free because there's a lot of different things that changes how many properties you're going to need your investment strategy what the rental yield of that property is going to be as well as what income level you want to achieve in order to consider yourself financially free I like to think of two different income levels when it comes to financial freedom baseline financial freedom and that's the financial freedom where look I can get by I can live a pretty good pretty happy life but I don't have those little extra luxuries in life I don't have a lot of extra money to travel overseas every single year etc so you got baseline financial freedom we can just live a normal everyday life don't get your coffee once a day twice a day three times a day four times who's judging alright no one's judging you yeah you can live kind of a normal life on that baseline financial freedom so there's a few ways that you can look at this and a few ways you can calculate how many properties you need to be financially free and they're going to explain why Steve McKnight needed 130 properties and why you might only need two properties so 132 - they're obviously very different so let's get into it I think one of the best ways to understand okay how many properties do I need as a baseline to start with is to actually estimate owning properties without a mortgage so let's pretend you're investing today you're purchasing properties you're going to go principal and interest hopefully they're positive cash flow but over time you're going to pay those properties off and eventually you'll own those properties outright so how many properties would you need to know own outright in order to be financially free now depending on how much you want to be earning and depending on the rental yield other properties is going to depend on how many properties you need so let me get my phone out and do some calculations here so let's say we're gonna need a hundred thousand dollars in passive income in today's money now when we're looking at the rental income of a property they're still going to be some expenses in there okay we've got insurances council rates property manager fees etc so generally you'd want to calculate about twenty to thirty percent of that income for those expenses so a hundred thousand dollars let's say we're calculating twenty percent that's actually only eighty percent of the total rental income that we need so we need a bit more than that so that when we take out our twenty percent we're left with a hundred thousand that we can live off so to do that calculation we do a hundred thousand divided by eighty that gives us the total value of one percent and then times by 100 so that means we need one hundred and twenty five thousand dollars per year in rental income in order to achieve that hundred thousand dollars a year now let's go ahead and divide that by 52 because there's 52 weeks in a year that's going to give us a total amount of two thousand four hundred and three dollars and 85 cents so let's call that let's just call it two thousand four hu...

How Many Properties Do You Actually Need To Be Financially Free?

ARVE Error: Mode: lazyload not available (ARVE Pro not active?), switching to normal mode{"@context":"http:\/\/schema.org\/","@id":"https:\/\/onproperty.com.au\/i-lost-thousands-in-cryptocurrency-heres-what-i-learned\/#arve-youtube-6msfddc1meo64db328a850bf325811243","type":"VideoObject","embedURL":"https:\/\/www.youtube-nocookie.com\/embed\/6msFDDC1mEo?feature=oembed&amp;iv_load_policy=3&amp;modestbranding=1&amp;rel=0&amp;autohide=1&amp;playsinline=0&amp;autoplay=0"}Here's 7 lessons I learned from losing thousands in cryptocurrency in 2018.0:00 - Why I started investing in Cryptocurrency1:11 - Lesson #1: Market Cycles3:01 - Lesson #2: I Am Not A Trader3:46 - Lesson #3: My Time Is Better Spent Creating Value4:50 - Lesson #4: Your Risk Profile Has The Ability To Change6:23 - Lesson #5: Life Gets In The Way of Investing7:17 - Lesson #6: I Want To Invest In Passive Income Generating Assets8:43 - Lesson #7: I Believe Cryptocurrency is an Inevitable Technology9:29 - How I Used This Experience To Generate Passive Income11:23 - I'm Going To Use This To Make Me Stronger and WealthierRecommended Videos:10 Ways To Make Money From Scratch - https://www.youtube.com/watch?v=FIvRMTXcLbsTranscription:I lost thousands of dollars in cryptocurrency this year. Here's what I got interested in investing in cryptocurrency around December in 2017, as you guys may know. That was basically the peak of the cryptocurrency bubble, the cryptocurrency boom where prices went up to over 25,000 Australian dollars. Now that's when I started getting interested in it. I didn't invest in that price. I invested over a period of the next probably six months and put money into the market at different price ranges. Some prices were over that $15,000 mark. Some prices were under the $8,000 mark, so a variation of prices there, but yeah, bitcoin now sits at about four and a half thousand Australian dollars. I actually got out of bitcoin about a month ago and cryptocurrency. I still have a little bit in it. I've got a business in it, which I will talk about, but yeah, alice thousands of dollars investing in cryptocurrency and he is seven things I learned along the way.The first thing I learned about was market cycles and man, did I get a crash course in market cycles? Believe it or not, but I actually haven't really been through a market downturn in terms of when I've been running my business or when I've actually had money to invest in. I got married in 2008, which was obviously the year of the recession and we made my watch and have a lot of money around that time or for the next five years really, so we would never in a position to go ahead and invest in the stock market or anything like that. So I hadn't actually been a part of market cycles. I know being passionate about stock investing, so I've never really looked into that and I'm someone who is happy to go countercultural, unhappy to go against the norm. So what happened for me was I found out about bitcoin through obviously the price going up and everyone was talking about it, but then I got really deep into what is this, got passionate about the technology and started investing in it because I can see the inevitability of this technology, but I didn't understand market cycles and in understand that, oh yeah.Frequent. Obviously at the peak of a market cycle here, now's not the time to get in, and so I really got a crash course in market cycles and how they work. Obviously bitcoin's down over 80 percent now. Um, I would've loved to have learned about Bitcoin, cares, my money in cash and then because I still believe in it, maybe invested now or maybe a little bit in the future as things sort of bottom out. So I, I know that I am quite happy to go countercultural to market sentiment when I really believe in something, but I just didn't understand market cycles at the time and I know that sounds dumb, but that's something that I learned.

ARVE Error: Mode: lazyload not available (ARVE Pro not active?), switching to normal mode {"@context":"http:\/\/<a href="http://schema.org" rel="nofollow" target="_blank">schema.org</a>\/","@id":"https:\/\/<a href="http://onproperty.com.au" rel="nofollow" target="_blank">onproperty.com.au</a>\/i-lost-thousands-in-cryptocurrency-heres-what-i-learned\/#arve-youtube-6msfddc1meo64db328a850bf325811243","type":"VideoObject","embedURL":"https:\/\/<a href="http://www.youtube-nocookie.com" rel="nofollow" target="_blank">www.youtube-nocookie.com</a>\/embed\/6msFDDC1mEo?feature=oembed&amp;iv_load_policy=3&amp;modestbranding=1&amp;rel=0&amp;autohide=1&amp;playsinline=0&amp;autoplay=0"} Here's 7 lessons I learned from losing thousands in cryptocurrency in 2018. 0:00 - Why I started investing in Cryptocurrency 1:11 - Lesson #1: Market Cycles 3:01 - Lesson #2: I Am Not A Trader 3:46 - Lesson #3: My Time Is Better Spent Creating Value 4:50 - Lesson #4: Your Risk Profile Has The Ability To Change 6:23 - Lesson #5: Life Gets In The Way of Investing 7:17 - Lesson #6: I Want To Invest In Passive Income Generating Assets 8:43 - Lesson #7: I Believe Cryptocurrency is an Inevitable Technology 9:29 - How I Used This Experience To Generate Passive Income 11:23 - I'm Going To Use This To Make Me Stronger and Wealthier Recommended Videos: 10 Ways To Make Money From Scratch - <a href="https://www.youtube.com/watch?v=FIvRMTXcLbs" rel="nofollow" target="_blank">https://www.youtube.com/watch?v=FIvRMTXcLbs</a> Transcription: I lost thousands of dollars in cryptocurrency this year. Here's what I got interested in investing in cryptocurrency around December in 2017, as you guys may know. That was basically the peak of the cryptocurrency bubble, the cryptocurrency boom where prices went up to over 25,000 Australian dollars. Now that's when I started getting interested in it. I didn't invest in that price. I invested over a period of the next probably six months and put money into the market at different price ranges. Some prices were over that $15,000 mark. Some prices were under the $8,000 mark, so a variation of prices there, but yeah, bitcoin now sits at about four and a half thousand Australian dollars. I actually got out of bitcoin about a month ago and cryptocurrency. I still have a little bit in it. I've got a business in it, which I will talk about, but yeah, alice thousands of dollars investing in cryptocurrency and he is seven things I learned along the way. The first thing I learned about was market cycles and man, did I get a crash course in market cycles? Believe it or not, but I actually haven't really been through a market downturn in terms of when I've been running my business or when I've actually had money to invest in. I got married in 2008, which was obviously the year of the recession and we made my watch and have a lot of money around that time or for the next five years really, so we would never in a position to go ahead and invest in the stock market or anything like that. So I hadn't actually been a part of market cycles. I know being passionate about stock investing, so I've never really looked into that and I'm someone who is happy to go countercultural, unhappy to go against the norm. So what happened for me was I found out about bitcoin through obviously the price going up and everyone was talking about it, but then I got really deep into what is this, got passionate about the technology and started investing in it because I can see the inevitability of this technology, but I didn't understand market cycles and in understand that, oh yeah. Frequent. Obviously at the peak of a market cycle here, now's not the time to get in, and so I really got a crash course in market cycles and how they work. Obviously bitcoin's down over 80 percent now. Um, I would've loved to have learned about Bitcoin, cares, my money in cash and then because I still believe in it, maybe invested now or maybe a little bit in the future as things sort of bottom out. So I, I know that I am quite happy to go countercultural to market sentiment when I really believe in something, but I just didn't understand market cycles at the time and I know that sounds dumb, but that's something that I learned.

I Lost Thousands in Cryptocurrency…Here’s What I Learned

ARVE Error: Mode: lazyload not available (ARVE Pro not active?), switching to normal mode{"@context":"http:\/\/schema.org\/","@id":"https:\/\/onproperty.com.au\/why-units-are-less-likely-to-be-positive-cash-flow\/#arve-youtube-be5zvmpps5e64db328b91157365639616","type":"VideoObject","embedURL":"https:\/\/www.youtube-nocookie.com\/embed\/Be5ZVMpPS5E?feature=oembed&amp;iv_load_policy=3&amp;modestbranding=1&amp;rel=0&amp;autohide=1&amp;playsinline=0&amp;autoplay=0"}Units and apartments are less likely to be positive cash flow when compared to houses. This is because they have a body corporate or strata fee that strips a good chunk of your cash flow.Transcription:Did you know that units are actually less likely to generate you a positive cashflow than houses? That's something that a lot of people don't think about when they're looking for positive cashflow property. Hey, I'm Ryan from on-property dot com dot EU. I help people find and invest in positive cash flow properties and today we are going to be looking at this exact topic, why it's harder for units to generate a positive cash flow than it is for houses and it's really, really simple. And so if you're out there searching for positive cash flow properties, then you might want to be looking at houses instead of units. Units can still generate a positive cash flow property. Don't get me wrong, they still can, but there's just an extra element in there that makes it harder. So let's jump into some examples that I have here. So I found this property here, one 95 ps street in Boulder, who I didn't even know, where boulder, who is the example like where it is, doesn't really matter for this example.Okay? It's near Calgary or in Calgary. Um, okay. So we've got this property that's selling for $159,000 and it is renting for $250 per week. So we're going to jump over to property tools.com dot a u, which is a calculator that I created myself for analyzing the cashflow of properties. And so let's have a look at this $159,000. And this one is renting for 2:50 per week. So 2:50 per week. We can see that we've got an eight point one, eight percent rental yield and a weekly cashflow estimate of about $17 50 per week for this property. All right, so this is a house. Okay, I've got another example here. That's a unit that has a very similar rental yield. It's actually more expensive and as we talked about in episode four, 99 on how rental yield isn't the be all and end all of finding positive cash flow properties.The more expensive a property becomes and the more rental income you're generating, the less rental yield you need to generate a positive cash flow. So the fact that this property is more expensive and it's generating three, 10 per week in rental income rather than to 50 should main, it's more likely to generate a positive cash flow with a smaller rental yield. So let's go ahead and check this one in $200,000 renting for three, 10 per week. We can say the rental yields eight point, oh, six percent. So slightly lower than the last one, but not a big deal. And we can see the weekly cashflow is estimated at about $39 per week. And here's the ticker. Here's, here's the reason why units can be harder to generate a positive cash flow. If we scroll down here and we zoom in, we can see here body corporate levies of 2000, $131 per annum.Now, if you don't know what body corporate levies are, they're often called body corporate fees, body corporate levies, or strata fees. Now this is a fee that you have to pay when you own a unit. When you own townhouses, when your own villas, when there's common areas that you share with other people. So you pay body corporate fees or strata fees, and so this pays for the maintenance and the repairs of the common areas. So the driveways that you all share, the gardens that you all share, the elevator that you share, if you live in a large unit block, maybe even pools and gyms, all of this sort of stuff. So body corporate levies go towards that.

ARVE Error: Mode: lazyload not available (ARVE Pro not active?), switching to normal mode {"@context":"http:\/\/<a href="http://schema.org" rel="nofollow" target="_blank">schema.org</a>\/","@id":"https:\/\/<a href="http://onproperty.com.au" rel="nofollow" target="_blank">onproperty.com.au</a>\/why-units-are-less-likely-to-be-positive-cash-flow\/#arve-youtube-be5zvmpps5e64db328b91157365639616","type":"VideoObject","embedURL":"https:\/\/<a href="http://www.youtube-nocookie.com" rel="nofollow" target="_blank">www.youtube-nocookie.com</a>\/embed\/Be5ZVMpPS5E?feature=oembed&amp;iv_load_policy=3&amp;modestbranding=1&amp;rel=0&amp;autohide=1&amp;playsinline=0&amp;autoplay=0"} Units and apartments are less likely to be positive cash flow when compared to houses. This is because they have a body corporate or strata fee that strips a good chunk of your cash flow. Transcription: Did you know that units are actually less likely to generate you a positive cashflow than houses? That's something that a lot of people don't think about when they're looking for positive cashflow property. Hey, I'm Ryan from on-property dot com dot EU. I help people find and invest in positive cash flow properties and today we are going to be looking at this exact topic, why it's harder for units to generate a positive cash flow than it is for houses and it's really, really simple. And so if you're out there searching for positive cash flow properties, then you might want to be looking at houses instead of units. Units can still generate a positive cash flow property. Don't get me wrong, they still can, but there's just an extra element in there that makes it harder. So let's jump into some examples that I have here. So I found this property here, one 95 ps street in Boulder, who I didn't even know, where boulder, who is the example like where it is, doesn't really matter for this example. Okay? It's near Calgary or in Calgary. Um, okay. So we've got this property that's selling for $159,000 and it is renting for $250 per week. So we're going to jump over to property <a href="http://tools.com" rel="nofollow" target="_blank">tools.com</a> dot a u, which is a calculator that I created myself for analyzing the cashflow of properties. And so let's have a look at this $159,000. And this one is renting for 2:50 per week. So 2:50 per week. We can see that we've got an eight point one, eight percent rental yield and a weekly cashflow estimate of about $17 50 per week for this property. All right, so this is a house. Okay, I've got another example here. That's a unit that has a very similar rental yield. It's actually more expensive and as we talked about in episode four, 99 on how rental yield isn't the be all and end all of finding positive cash flow properties. The more expensive a property becomes and the more rental income you're generating, the less rental yield you need to generate a positive cash flow. So the fact that this property is more expensive and it's generating three, 10 per week in rental income rather than to 50 should main, it's more likely to generate a positive cash flow with a smaller rental yield. So let's go ahead and check this one in $200,000 renting for three, 10 per week. We can say the rental yields eight point, oh, six percent. So slightly lower than the last one, but not a big deal. And we can see the weekly cashflow is estimated at about $39 per week. And here's the ticker. Here's, here's the reason why units can be harder to generate a positive cash flow. If we scroll down here and we zoom in, we can see here body corporate levies of 2000, $131 per annum. Now, if you don't know what body corporate levies are, they're often called body corporate fees, body corporate levies, or strata fees. Now this is a fee that you have to pay when you own a unit. When you own townhouses, when your own villas, when there's common areas that you share with other people. So you pay body corporate fees or strata fees, and so this pays for the maintenance and the repairs of the common areas. So the driveways that you all share, the gardens that you all share, the elevator that you share, if you live in a large unit block, maybe even pools and gyms, all of this sort of stuff. So body corporate levies go towards that.

Why Units Are Less Likely To Be Positive Cash Flow

ARVE Error: Mode: lazyload not available (ARVE Pro not active?), switching to normal mode{"@context":"http:\/\/schema.org\/","@id":"https:\/\/onproperty.com.au\/do-you-need-capital-growth\/#arve-youtube-ug9nnsccobg64db328b54cf0429970210","type":"VideoObject","embedURL":"https:\/\/www.youtube-nocookie.com\/embed\/UG9nNScCOBg?feature=oembed&amp;iv_load_policy=3&amp;modestbranding=1&amp;rel=0&amp;autohide=1&amp;playsinline=0&amp;autoplay=0"}So many property gurus talk about capital growth as the only way to make money in property. I want to challenge that assumption today and ask the question "Do you even need capital growth to achieve financial freedom?"Resources Related To This Episode2 Properties To Financial Freedom4 Properties To Financial FreedomTranscription:Do you need capital growth in order to achieve financial freedom? Like do you actually need capital growth in order to be financially free? That's what I want to talk about in today's episode because so often we just think the only way to invest in property is to invest for capital growth purposes and we're going to negatively gear in order to achieve that. So I kind of want to challenge that assumption in you today and challenge how much you rely on capital growth and not saying don't go for capital growth. We love capital growth obviously, but just whether or not you need it. So let's look at that in today's episode. Hi. On Ryan from on-property dot com dot EU. I hope people invest in property and achieve financial freedom. And this topic has been on my mind ever since I recorded the two properties to financial freedom episode with Ben.Actually ever since I had that idea because a lot of you might not know that the two properties to financial freedom strategy actually came about because we had a four properties to financial freedom strategy. So the four properties to financial freedom required you to purchase to capital growth properties in the beginning guys. Okay. I just got kicked out of the room because my kids came home from school. My daughter was upset because she was feeling a bit six. She's crying. So I'm back up in my office now to finish it off. So as I was saying, the two properties to financial freedom came out of the idea and a strategy called the four properties to financial freedom where you're required to purchase to capital growth properties in the beginning. So to capital growth properties, purchased them first with the goal of them going up in value.Obviously that's capital growth, right? And then you purchase to cashflow properties, so houses that you then build granny flats on. So you've got four incomes coming in. So the whole goal of this for property strategy was you buy the two capital growth properties and those capital growth properties, you sell them and then you pay off the cash flow properties. And so then you have cashflow properties that are completely paid off and you've now achieved financial freedom. Okay? So you require that capital growth in order to achieve financial freedom in the period that you want. Now, the thought that I had when I was out surfing was that all, my gosh, the only purpose of the capital growth properties and the only purpose of the capital growth is to pay off the debt on the cashflow properties, but the cashflow properties will pay themselves off anyway because they're positive cashflow and because you're going to pay them off over time anyway, so you don't actually need the capital growth in order to become financially free.So let's explore that idea of how cashflow can deliver you financial freedom. So in that two properties to financial freedom strategy, you purchase two properties and build to granny flats on each of those properties and you get a rental income of above seven percent on those properties. Over time, that rental income is going to go up as well. You're going to pay off those properties over time. But the exciting thing about those properties is when you buy them and bu...

ARVE Error: Mode: lazyload not available (ARVE Pro not active?), switching to normal mode {"@context":"http:\/\/<a href="http://schema.org" rel="nofollow" target="_blank">schema.org</a>\/","@id":"https:\/\/<a href="http://onproperty.com.au" rel="nofollow" target="_blank">onproperty.com.au</a>\/do-you-need-capital-growth\/#arve-youtube-ug9nnsccobg64db328b54cf0429970210","type":"VideoObject","embedURL":"https:\/\/<a href="http://www.youtube-nocookie.com" rel="nofollow" target="_blank">www.youtube-nocookie.com</a>\/embed\/UG9nNScCOBg?feature=oembed&amp;iv_load_policy=3&amp;modestbranding=1&amp;rel=0&amp;autohide=1&amp;playsinline=0&amp;autoplay=0"} So many property gurus talk about capital growth as the only way to make money in property. I want to challenge that assumption today and ask the question "Do you even need capital growth to achieve financial freedom?" Resources Related To This Episode 2 Properties To Financial Freedom 4 Properties To Financial Freedom Transcription: Do you need capital growth in order to achieve financial freedom? Like do you actually need capital growth in order to be financially free? That's what I want to talk about in today's episode because so often we just think the only way to invest in property is to invest for capital growth purposes and we're going to negatively gear in order to achieve that. So I kind of want to challenge that assumption in you today and challenge how much you rely on capital growth and not saying don't go for capital growth. We love capital growth obviously, but just whether or not you need it. So let's look at that in today's episode. Hi. On Ryan from on-property dot com dot EU. I hope people invest in property and achieve financial freedom. And this topic has been on my mind ever since I recorded the two properties to financial freedom episode with Ben. Actually ever since I had that idea because a lot of you might not know that the two properties to financial freedom strategy actually came about because we had a four properties to financial freedom strategy. So the four properties to financial freedom required you to purchase to capital growth properties in the beginning guys. Okay. I just got kicked out of the room because my kids came home from school. My daughter was upset because she was feeling a bit six. She's crying. So I'm back up in my office now to finish it off. So as I was saying, the two properties to financial freedom came out of the idea and a strategy called the four properties to financial freedom where you're required to purchase to capital growth properties in the beginning. So to capital growth properties, purchased them first with the goal of them going up in value. Obviously that's capital growth, right? And then you purchase to cashflow properties, so houses that you then build granny flats on. So you've got four incomes coming in. So the whole goal of this for property strategy was you buy the two capital growth properties and those capital growth properties, you sell them and then you pay off the cash flow properties. And so then you have cashflow properties that are completely paid off and you've now achieved financial freedom. Okay? So you require that capital growth in order to achieve financial freedom in the period that you want. Now, the thought that I had when I was out surfing was that all, my gosh, the only purpose of the capital growth properties and the only purpose of the capital growth is to pay off the debt on the cashflow properties, but the cashflow properties will pay themselves off anyway because they're positive cashflow and because you're going to pay them off over time anyway, so you don't actually need the capital growth in order to become financially free. So let's explore that idea of how cashflow can deliver you financial freedom. So in that two properties to financial freedom strategy, you purchase two properties and build to granny flats on each of those properties and you get a rental income of above seven percent on those properties. Over time, that rental income is going to go up as well. You're going to pay off those properties over time. But the exciting thing about those properties is when you buy them and bu...

Do You Need Capital Growth To Achieve Financial Freedom?

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