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TPC Summer Series 2022/23 is HERE!

By in Case Study, Free Resources

It’s finally here folks.

It’s the time of the year we’ve all been waiting for (that’s almost better than Christmas 😉).

Today we’re kickstarting our 2022-23 Summer Series!!!  

And boy do we have a FANTASTIC lineup of guests for our 5th Summer Series, each with their own absolutely amazing, jaw-dropping stories which are all about this year’s theme… 

What Drove You To Act! 

Inspired by the crux in every movie.

The inspirational light bulb moment.

The Penny Drop “A-ha” moment.

These are the pivotal moments that every successful investor has faced on their investing journey.   

From their origin story to their darkest-before-dawn moments to their “rising from the ashes”, this year’s Summer Series is one you DON’T want to miss folks… 

 

Here are all the episodes! (P.S. if the link is not available, that’s because the episode is not out yet 😉) 

 

P.S. And if you’d like to see an accurate snapshot of your money story and financial position, we’ve just released Moorr the App!! Take your great money habits with you wherever you go and stay focused on your Lifestyle By Design.

Check it out in the Apple store here or on Google Play here for Android users. Or, if you’d like to view it in a web browser, log in or create your FREE Moorr account here to get started!

 

417 | Home Deposits Made Simple – Chat with Julia Hartman, Michael Ragavan & James Bowe!

By in Podcast

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One of the greatest barriers that an investor will face when entering the property market is… 

Saving for a home deposit.  

With high housing values and a steadily rising cost of living, saving for that first big leap onto the property ladder can seem daunting to some and impossible to others.  

Here to part the sea of confusion and simplify home deposits, we’ve got a fantastic number of guests on the couch (In fact, this is the MOST guests we’ve had on at a single time 😮)  

Please welcome…  

Julia Hartman, founder of the Ban Tacs group and Chief Technical Tax Advisor for Empower Wealth Tax! No stranger to the couch, she’ll be breaking down the Australian government’s latest and greatest home deposit schemes to help you understand how you can maximise the benefits from it.  

Michael Ragavan from Our Leg Up, an innovative and revolutionary platform that seeks to tackle the problems around borrowing power, skyrocketing Lenders Mortgage Insurance (LMI) and Loan to Value Ratio (LVR) stopping investors from getting into the market. 

And last but not least…. 

James Bowe from OwnHome, a mind-blowingly cool product that helps home buyers pay off their mortgages while living in their property.  

Tune in as they dissect and break down the many ways people can save and afford their home deposit, and how it is possible to buy your home with just $35K!   

A super exciting, insightful and practical episode, listen in now!!  

 

 

 

 

P.S. We have NO commercial ties to any of these businesses – we just think the work their doing is life-changing stuff, and good enough to be shared with the community.  

 

Free Stuff Mentioned… 

 

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

 

Here’s some of the gold we cover… 

  • 0:00 – Here’s what we’re covering today… 
  • 3:59 – Is FOMU stopping you??  
  • 9:59 – Welcome back Julia from Ban Tacs!  
  • 11:53 – THIS is why Julia wrote the blog!  
  • 13:11 – Is it possible to buy a home with $35K?!  
  • 14:35 – What is the First Home Buyers Guarantee (FHGB)?  
  • 15:37 – Here’s how it works… (You can read the blog here!)  
  • 19:09 – This is basically what you’re deciding… 
  • 20:43 – Who would benefit MOST from this?? (+ who qualifies!)  
  • 22:20 – But what if I want that money back from my Super??  
  • 25:17 – What does this look like...as a Sole Parent?  
  • 26:26 – You have to pass these 2 tests!  
  • 28:36 – As a Couple with Children  
  • 30:55 – As a Couple with no Children 
  • 35:01 – And, as a Single Person with no Children! 
  • 40:05 – South Australia: “It’s a brain drain for the other states!”  
  • 43:42 – Meet Michael from Our Leg Up! (& what problems they’re trying to tackle!) 
  • 45:28 – How does “Our Leg Up” work?  
  • 47:25 – Rising LVR and LMI: What’s considered a good rate today?  
  • 48:59 – Let’s break it down: What’s a Charge (aka. Equity investment)?! 
  • 50:50 – “It’s lazy equity”  
  • 52:49 – How does this help first-home buyers??  
  • 53:55 – The process of developing Our Leg Up + what’s next!  
  • 55:01 – …and this is why it’s a Win-Win situation!  
  • 58:01 – If you’re interested, here’s how you can learn more! 
  • 58:40 – What criteria does Our Leg Up look for?  
  • 1:01:55 – Meet James from OwnHome + the challenges their tackling… 
  • 1:03:49 – This is how the idea was born! 
  • 1:04:48 – How this 4-step journey works!  
  • 1:07:02 – “You share the capital growth”  
  • 1:08:24 – Who are they trying to help?  
  • 1:11:32 – How does OwnHome make money?  
  • 1:13:47 – Why is there a time expiration? 
  • 1:14:46 – Paying LMI, Capital Gains Tax & Stamp Duty!  
  • 1:20:28 – How do they get their Capital Reserve?  
  • 1:21:39 – Limitations and future plans for this business! 

And… 

  • 1:24:54 – Julia’s Special Appearance Life Hack: CGT Record Keeping & the best way to do it! 
  • 1:29:56 – NSW’s (great) Stamp duty legislation change!  

 

416 | How Can We Solve Australia’s Building Crisis? – Chat with Paul Baker

By in Podcast

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Property is a game of finance just as much as it is a game of bricks and mortar. But what happens when this bricks and mortar – and the cost to put it all together – starts to cost too much?!  

 Today we’re addressing the complex and fast-growing issue of Australia’s building crisis. 🤯 

From rising labour costs to widespread material shortages, we’ll be exploring why the industry has ended up in its current state, when we can expect things to “normalise”, and answering the BIG question… 

Should you delay building?! And if you’re already building….what should you do to ensure the best results?!  

 Plus, we’ve got a super-awesome returning guest to help us out… 

Please welcome back Paul Baker, Director of Inside Out Property Inspections, qualified Carpenter and Registered Builder Practitioner with the Victorian Building Authority! A man of many trades, Paul also holds a Pest Control License with many years of experience inspecting residential homes…. 

 Basically, he’s THE man for turning the building industry inside out and giving you an expert guide to building and renovating today. Give it a listen now!    

 

 

 

P.S. Fun Fact! Last time Paul was on the couch, it was aalll the way back in Episode 45 😮 and it was also and our first episode of 2016!! 

 

Free Stuff Mentioned… 

 

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

 

Here’s some of the gold we cover… 

  • 0:00 – The Gold Today 
  • 1:50 – Put this in your diaries: PIPA’s 2022 Annual General Meeting!  
  • 3:34 – Our TPC Re-Edition of this ad… 
  • 5:30 – Meet Paul Baker!  
  • 7:58 – What are we seeing in the Building Industry today?  
  • 10:02 – Why builders are taking on more of the costs…. 
  • 12:32 – Fixed Price vs. Cost Plus Contracts: What’s the ratio in the market today?  
  • 16:20 – Are we overcoming COVID’s supply shortage?!?  
  • 18:48 – Upcoming Trends: Material substitutes and modular builds  
  • 20:48 – For folks halfway through building, how can they increase their chances of a successful build completion?  
  • 23:37 – What Building Insurance should you get and who does what??  
  • 26:26 – The Grey Area: Handing over projects between builders  
  • 28:03 – Is NOW a good time to be building or renovating?!  
  • 31:48 – A Builders POV: What it’s like having multiple projects on-the-go… 
  • 33:50 – How can we solve Australia’s Building Crisis?  
  • 34:09 – “Good staff is your business…”  
  • 36:11 – How do different-sized businesses “compete”?  
  • 40:39 – The Material Shortage Story: How are builders overcoming it??   
  • 43:05 – What was it like having Ben as a client? 😉  
  • 44:10 – What trends has Paul seen over the past 12 months?  
  • 47:24 – This is actually the best time for…. 
  • 51:04 – What should you be asking to verify a Building Inspector?  
  • 53:20 – Ben’s BIG Tip for Beginners!  

And… 

 

412 | The Best & Worst Performing Markets Over 30 Years! – Chat With Tim Lawless

By in Podcast

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With a developing rental crisis, interest rates still rising and an economy unsure if it’ll be pulled into a recession…

It’s no surprise that there’s been A LOT of noise around what today’s data means for the future of Australia’s economy and property market.   

To slice through this noise (and bringing our guest streak to 3 weeks) we’ve brought in one of Australia’s biggest data-crunching experts and previous Property Couch guest… 

Please welcome back…

CoreLogic’s Research Division Founder, Tim Lawless!  

As Executive Research Director of CoreLogic, Tim heads up a team of analysts in Australia and New Zealand, reporting on property market conditions and the interplay between economic and demographic forces (phew talk about wide coverage!)   

Tune in to hear his origin story, from growing up in a law-less money household to meeting his wife Helen who turned his financial picture around.  

Fast forward to today where Tim sits at the coal face of Australia’s housing data; he’s breaking down what REALLY happened to housing values in September… 

And why, especially during times like these, it’s important to play the long game (using the last 30 years of housing values as proof!)  

PLUS, we unpack the market winners and losers over this period to highlight some valuable market lessons.  

Listen in now folks to get a true understanding of what the figures really mean! 😲 🤯

 

Free Stuff Mentioned… 

 

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

 

Here’s some of the gold we cover… 

  • 0:00 – A sneak peek of today 😊  
  • 1:34 – Yep…we’re giving you 2 bonuisodes?!  
  • 3:37 – This is how expensive procrastination really is!  
  • 5:56 – Meet Tim Lawless!  
  • 8:30 – Growing up in a law-less money household!  
  • 10:50 – THIS played a crucial role in increasing transparency around property investing!  
  • 12:03 – The best advice Tim ever received ( + life after buying his first property)  
  • 13:02 – So…how did he set up his money management systems??  
  • 13:53 – Highlights from Australia’s Housing Values in September  
  • 15:59 – Did the 25-basis points cash hike surprise Tim??  
  • 16:56 – We might find the housing bottom out in…early 2023?!  
  • 18:38 – Should we expect a confidence shift in this market cycle??  
  • 20:48 – APRA’s 3% Buffer: Will it be relaxed?  
  • 22:29 – “It was an absolute cash grab…”  
  • 24:20 – QLD’s new forecast post the scrapped land tax…  
  • 25:40 – The 30-Year Long Game: Why is it important??  
  • 27: 59 – Folks, if you’ve got market anxiety, let this sink in… 
  • 30:01 – Comparing House Values Across the Decades: Why did we see these results?  
  • 32:26 – This reflects the strength of our economy… 
  • 34:55 – What we saw in Perth is a reflection of these cycles!  
  • 36:47 – Which markets were the best performing over 30 years?? (The Regional winner might surprise you!)  
  • 38:10 …and the lowest-performing markets! 
  • 40:23 – What degree of effort is put into the research at an SA2, SA3 and SA4 level?  
  • 43:27 – Why measuring home values is a difficult task… 
  • 44:24 – Where are the top #3 SA3 areas?!  
  • 46:48 – The Importance of Scarcity Value 
  • 47:25 – We’ve said it once, we’ll say it again: It’s time in the market, not timing the market!  
  • 50:30 – Check out THIS graph (bottom of page 1) summarising growth and volatility over the past 30 years!  
  • 53:29 – Houses Vs. Units: Tim’s 5-Year Predictions!  
  • 56:22 – Will regional markets outgrow cities?!  

And… 

  • 1:00:09 – Our Key Takeaways 
  • 1:03:10 – How to avoid absorbing negative property noise!  
  • 1:05:38 – We need to allow borrowers to borrow!  
  • 1:06:07 – Want to learn how to beat the banks? Watch this.  
  • 1:07:34 – Bryce & Ben’s Bowling & Bingo Escapades  

 

Bonusisode: The Art of Investing in Volatile Markets – Chat with Michael Savy

By in Free Resources, Podcast

With the turbulent state of today’s markets, it’s no surprise that there’s been a lot of noise around the future of Australia’s market and what it means for investors. 🤯

With many conflicting trends and numbers — and a lack of clarity around the origins of Australia’s inflation — it’s hard to know what remedy is needed from the Reserve Bank of Australia or how to keep successfully investing in such markets.

In Part 2 of this educational series, Ben Kingsley, Managing Director of Empower Wealth and Michael Savy, Partner and Chief Financial Planner of Empower Wealth, break down:

👉 Today’s market data (what do the numbers really mean and what trends are we seeing!)

👉 Michael’s Car Analogy: What do cars, crashes and catching flights have to do with COVID?

👉 What “noise” you should and shouldn’t be listening to, and

👉 How to remain calm (and keep investing) during unpredictable market conditions!

 

Watch the video now:

Free Stuff Mentioned…

 

Here’s some of the gold we cover… 

  • 0:00 – Where we left off…
  • 0:54 – The Famous Car Analogy
  • 4:39 – Where did Australia’s inflation come from?
  • 6:51 – Taming Inflation
  • 9:09 – Inflation & Interest Rates
  • 13:28 – Data Dependent: Let’s break down the numbers
  • 17:13 – Market Analysis
  • 22:38 – So…what opportunities are still here today?
  • 24:29 – THIS is what happens when inflation runs away…
  • 25:27 – How to keep investing in volatile markets!!

 

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