Do you have a savings plan? Do you know how much you spend? Follow these 5 easy steps to easily and quickly improve your financial position and achieve your goals faster.

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BREAKING NEWS! The RBA has decided to cut the official interest rates. At its meeting today, the Board decided to lower the cash rate by 25 basis points to 1.50 per cent. It remains to be seen whether lending institutions will pass on the full cut to it’s customers. Stay tuned.

The structure of your loan is really important if you have a view to long term investing.

You may or may not have heard of cross collateralisation or cross securitisation, however it is one of the fundamental structural concerns to get right from the outset.

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It would seem that there are many clients who are still wary about buying ‘off the plan’.  This seems to come largely from a number of developers who were unscrupulous during the boom period prior to the GFC.  By and large, the GFC has flushed out the unsavoury operators.  The businesses that were able to withstand the assault of the GFC, especially in the construction industry, for the most part, were good businesses prior and are still strong businesses today.  

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EXPECTING YOUR SALARY TO BE ENOUGH TO COVER YOU IN RETIREMENT

Many Australians are caught in an old paradigm, their parents’ and grandparents’ idea that if they just work hard enough, they’ll earn enough and save enough to retire on.

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Many clients come to see us with the idea that they can make money from property, but they don’t really understand how. If you know the formula, and you get it right, then it’s relatively easy to make money through property investment and often it doesn’t cost very much to do so.

How is that possible? How can you grow your wealth with little initial outlay?

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One of the things that I love most about running a successful company like Calla Property is the opportunity to give back to those less fortunate in the world. Not a day goes by where I don’t feel incredibly lucky and grateful for this privileged life I lead.  No matter how bad things get, no matter how overwhelmed I feel, I know that my life is infinitely easier and more abundant than most in the world.

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When it comes to investing in property there are two main areas to consider – how much will it cost to hold (holding costs) on to and how much will it grow (capital growth) over the time you plan to hold it?  

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