The Property Couch

It’s the final cut of the year folks! Did you know… for 34 months between August 2016 and May 2019, the cash rate was on hold at 1.5%? And just this year alone, we’ve got three cuts! More about that in today’s RBA Commentary. Now, what’s in store for this month’s RBA Cash Rate Decision? Here’s what Ben will be unpacking in this month’s session:What’s forecasted for the Global Economy in 2020RBA’s Unconventional Monetary Policy – What they thought of 2019 and what they have in mind for 2020Update on equity and housing market – Are we on the rise?The newest update from CoreLogic Housing Market Index – Download hereWhat’s the unemployment data showing us and is wage growth still stagnant?How’s the property story going across the capital cities?And more…DISCLAIMER: This podcast is general information only and is an opinion comment by Ben Kingsley. The information contained in this video is for Australian residents only. The information does not take into account the particular investment objectives or financial situation of any potential viewer. It does not constitute, and should not be relied on as, financial or investment advice or recommendations (expressed or implied) and it should not be used as an invitation to take up any investments or investment services. No investment decision or activity should be undertaken on the basis of this information without first seeking qualified and professional advice.The Property Couch, its employees or its contractors do not represent or guarantee that the information is accurate or free from errors or omissions and therefore provide no warranties or guarantees. The Property Couch disclaims any and all duty of care in relation to the information and liability for any reliance on investment decisions, claiming the use or guidance of this publication or information contained within it.LISTEN TO THE FIRST 20 EPISODES HERE >>MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/     FREE MASTERCLASS: - LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

How do you know if you’re following the right investment strategy? Like… how long are you meant to wait until you buy the next property? And how much should you look at spending? OR what about all the variables in the mix — say, you or your partner is about to take maternity leave, or your overall aim is to leave a decent inheritance for the kids? And where do cashflow-positive properties fit in to all this? (And what even are they??)We get it folks… there’s A LOT to consider when it comes to picking and following the right investment strategy!! Let alone adding on top of that trying to factor in future costs, changes to income, individual needs and capital gains on each property!So, in this special Q&A on property investment strategies, we’re going to answer a handful of our listeners’ very own questions that dive into the common dilemmas and unique situations folks are facing!Plus, given the recent news, we’re going to touch on the proposed changes to Queensland’s Residential Tenancy Act as well!! Learn more about the ‘Opening the Doors to Renting’ Reform here.Oh, and not to mention we have a very, very special gift for you…(which we hope will even the par on the “Black Friday” discounts happening all over the globe, which let’s be honest, aren’t exactly designed to make your money work HARDER for you!)FREE BOOK!! (yes, it’s a physical copy!) – The Armchair Guide to Property Investing – How to retire on $2,000 a weekwww.TheArmchairGuide.com.au Yes, really. We’ve got a stack of books ready to go in the office — and until we run out, we’re GIVING THEM AWAY! Here’s our crazy deal…. We pay for the book. You pay for the shipping.The Black Friday Announcements:FREE BOOK – The Armchair Guide to Property InvestingSuburb Growth – 30% OFF (Strictly expires 29/11/19 at 11:59PM) – Use code “BLACK” at the checkoutLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

The cash rate in Australia has never been lower and most mortgage holders are paying a lot less on their loans than they were a year ago. With banks being urged to lend more and consumers and business being urged to borrow, how likely are we to see rapid interest rate rises and will they ever get back to double digits?That’s exactly what we’re chatting about in our Facebook LIVE with Nerida Conisbee, Chief Economist for REA Group.Of course, that’s not the ONLY thing we chatted about. Here are some other things we discussed in this month’s Market Wrap:Why speculation is a nightmare for housing marketsWhere will interest rate go from hereCan digital banks disrupt the home loan marketThe start of a price growth in Melbourne and SydneyUpdate on wage growth and unemployment numbers How are things going on the retail side of things and will the festive season brings a bit of positive outlook? And much more!And, of course, our regulars…The MOST EXPENSIVE property sold in OctoberThe most clicked-on property going to AUCTIONThe most clicked-on property for SALEThe most clicked-on Property SOLDWant to see these properties? Click here to View the Properties (all are in the Comments section) P.S. Interested to learn more about borrowing and loan structure? Here are our top recommendations!Episode 004 | Four Pillars of Mastery – Borrowing PowerEpisode 164 | Q&A – How to Avoid Poor Loan StructureEpisode 244 | Borrowing Power in 2019: Everything You Need To KnowLISTEN TO THE FIRST 20 EPISODES HERE >>MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/     FREE MASTERCLASS: - LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

This Q&A session (brought to you by The Stig) features everything from the BEST benefit of an offset account that most folks don’t know about to building your own home from scratch. We tick off a few new topics and cover…A Tax-Saving Hack For An Offset AccountHow To Distinguish “Emotional Value” from “Property Value”Why Building a “Forever Home” Is NOT The Same Thing As InvestingThe Simplest Way to Keep Track of Your PropertiesProperty Software Solutions for Existing Property InvestorsMultiple Offset Accounts: Why It’s Not Something We Recommend!All four questions we answer today are listed in full further below — and a special mention to Brodie, Emily, Alan and Chris for contributing to today’s epic Qs!! As always, if you want to be featured on a future Q&A, ask us your question here.Free Resources Mentioned…Property Investors Council of Australia (PICA)Episode 257 | The Exception To The Rule When It Comes To Off The Plan Properties & House And Land PackagesFree Book– Make Money Simple AgainLISTEN TO THE FIRST 20 EPISODES HERE >>MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/     FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >>FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple AgainFIND US HERE: - Website - Instagram - Facebook - LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

Property investors who get seduced into Off the Plan and house and land packages are often seduced through a marketing process that targets universal, emotionally-driven mental triggers.And after heaps of folks wrote in about last week’s episode where we spoke of the perils of investing in these types of properties, we’ve decided that today we’re going to lift the lid on what exactly these mental triggers are. So people can spot the spruiker from miles away! Because there’s a VERY big difference between marketing for marketing’s sake… and simply being sold into buying dodgy advice & dud properties.Full disclosure: you will notice that some of these we actually do ourselves… and, yes, we’re being very explicit in this. The reason why we use them is simple… these tactics get people to take action. But getting people to take action on something that will ultimately help them… versus taking advantage of human psychology so people buy an asset or invest in bad advice that only the Spruiker will profit from…... well…… it’s about time we even the playing field here, don’t you think?And folks… Property Spruikers do NOT want you to know this stuff. Full stop.… ‘cos once you learn this stuff… you won’t be tricked quite so easily!Free Stuff mentioned…Last Webinar of The Year – How to Build a Property Portfolio in 2020!Free Book– Make Money Simple AgainPICA Webinar with Bradley BeerPICA Membership – Become a Member for $5Like us on Facebook (even better… share our page!)LISTEN TO THELISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

If building a multi-million dollar property portfolio really only takes three or four properties …then why do most folk FAIL to buy one?If only three or four properties — maybe five, if you’ve got a shorter time frame — is all it takes to achieve a passive income for life, why aren’t most investors achieving their dream lifestyle and financial goals then?Why haven’t they got a successful multi-million dollar property portfolio???Well, Ben and I nutted out these SEVEN reasons why this is so. And we went “Live” with these little-spoken truths!Yep. We got serious…. even if our faces don’t show it LISTEN TO THE FIRST 20 EPISODES HERE >>MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/     FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >>FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple AgainFIND US HERE: - Website - Instagram - Facebook - YoutubeLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

A couple of weeks ago we had our regular Monthly Wrap Up with Nerida Conisbee, Chief Economist for REA Group. There are some amazing contents in this LIVE so we thought… why not share it with our community? As well as getting a “wrap” of the property market for the month of October, you’ll also get some very interesting insights into our economy (incl. where it just might go from here!)We discuss:Will the cash rate get to ZERO?Is the oversupply in Sydney over?What’s happening with “Rent Control”? (and what does this mean for investors?)What is Quantitative Easing?Are the things that got us through the GFC currently present? AND, our regulars…The MOST EXPENSIVE property sold in OctoberThe most clicked on property going to AUCTIONThe most clicked on property for SALEThe most clicked on property SOLDWant to see these properties? Click here to View the Properties (all are in the Comments section)P.S. Want more episode on asset selection?Episode 005 | Four Pillars of Mastery – Asset SelectionEpisode 008 | Investment Stock vs. Investment GradeEpisode 020 | Science of Asset Selection – The Buyer’s Decision QuadrantLISTEN TO THE FIRST 20 EPISODES HERE >>MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/     FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >>FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

Recently, ABC’s podcast The Money ran a very poignant episode on the financial risks of unregulated property investment advice (which we highly recommend you check out – details below folks)… which revealed the pitfalls of buying Off The Plan properties and getting snagged on the end of “one-stop-shop” spruiker seminars.As well as interviewing two unlucky folks who learnt about investing in Off The Plan in the worst way possible, the episode also features a property ” salesperson” … and the look from the other side… is… well… let’s just say we’ve got something to say about it!‘Cos as you know folks, we hold a VERY strong view on these types of investments — and we’ve been very vocal about this since we first started croaking out this podcast — so why then … would we have an “an exception to the rule”???Well… that’s where today’s episode comes in! ‘cos if you’re going to go there….. (and many of you STILL write to us about investing in Off the Plan properties AND House and Land packages.… then we want to make sure you stay FULLY informed.AND we’re also going through a Q&A on this tackle this exact topic, so you might get the answer you happen to be pondering right now!CLICK HERE to Listen to ABC’s The Money podcast episode — The financial risks of unregulated property investment adviceOther Free Resources Mentioned In This EpisodeGoogle My ActivityFree Book– Make Money Simple AgainPICA Webinar with Bradley BeerLISTEN TO THE FIRST 20 EPISODES HERE >>MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/     LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

After three cuts this year alone, will we be expecting a fourth cut? It’s the first Tuesday of the month folks which means the Reserve Bank of Australia has just released their official cash rate!And it looks like there is a bit more positivity coming into the economy! Here’s what Ben will be unpacking in this month’s session:What’s happening in the US and the Fed Reserve?Update on the US-China Trade Deal and how it’ll impact the rest of the worldThe IMF Global Forecast for 2020Where is Australia’s inflation trend going and where does the RBA wants it to beThe newest update from CoreLogic Housing Market IndexHow are the construction activities performing and will this improve the housing market?Is there any positive bounce in consumer spending and sentiment following the tax incentives?DISCLAIMER: This podcast is general information only and is an opinion comment by Ben Kingsley. The information contained in this video is for Australian residents only. The information does not take into account the particular investment objectives or financial situation of any potential viewer. It does not constitute, and should not be relied on as, financial or investment advice or recommendations (expressed or implied) and it should not be used as an invitation to take up any investments or investment services. No investment decision or activity should be undertaken on the basis of this information without first seeking qualified and professional advice.The Property Couch, its employees or its contractors do not represent or guarantee that the information is accurate or free from errors or omissions and therefore provide no warranties or guarantees. The Property Couch disclaims any and all duty of care in relation to the information and liability for any reliance on investment decisions, claiming the use or guidance of this publication or information contained within it.LISTEN TO THE FIRST 20 EPISODES HERE >>MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/     FREE MASTERCLASS: - LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

Some investors learn things the hard way. And today’s guest Rick Hockey — property investor AND real estate agent specialising in The Pilbara region in far north Western Australia — is, unfortunately, one of these folks.In this episode, you’re about to get a completely raw look at what it was like to be INSIDE the mining boom that hung a lot of property investors out to dry. And you’re going to hear it from someone who was right in the thick of it, and did TWO things during this time…(1) INVESTED in the WA property boom, and(2) SOLD REAL ESTATE before, during and after the boom!Back in 1980, Rick Hockey and his wife Bev made Port Hedland, a dusty but dynamic little town exporting some seriously big volumes of minerals all over the world… their home. And things were good especially when Rick made the shift to working in real estate and then the mining scene boomed to deliver some of the highest rental returns we’ve ever seen — and people from all walks of life were practically climbing over each other to call a basic 4 bedroom house in regional Western Australia theirs. And why was everyone keen to jump in? Well, that simple property in the middle of not-a-whole-lot would put $3,000 PER WEEK in their bank and everyone thought the mining boom and these crazy returns would never end.But then the huge orange trucks stopped turning up. And almost overnight, it seemed all of the tradies with their fat wallets did too. The price of iron ore plummeted. And, just like that, everything changed.Rick Hockey is an award-winning real estate agent specialising in The Pilbara region in north Western Australia — Port Hedland, South Headland and the Marble Bar area. He’s a Senior Sales Consultant at Hedland First National and has a THREE-DECADE connection with Hedland’s property market.  As a proven real estate consultant, he has developed from Rookie to Diamond Achiever and a Top Salesperson with more than 50 industry awards to date. Rick and his wife Bev made Port Hedland home in 1980 loving the opportunities, lifestyle and raising theirLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube