The Investor Lab

Dashdot
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Jul 25, 2023 • 31min

How To Legally Reduce Your Tax, and Offset Negative Cashflow In Your Property Portfolio w/ Catherine Simons | #214

Taxes and property investments can be a maze, but fear not!  Things tend to go awry for many with tax variations and variable incomes. But our team steps in to ensure your tax rates are on track.  I chatted with Catherine Simons, an expert accountant at the WSC group.  We covered why property prices rise despite interest rates, inflation, and regional markets.  Tax variations are handy forms filed with the ATO at the year's start, ensuring a flat tax rate throughout. It avoids big payouts and keeps cash flowing.  For property investors, tax variations offer benefits like improved cash flow and faster debt repayment.  Even with rising interest rates, you can claim a significant portion of property costs in tax deductions.  Just remember… … do good record-keeping and avoid mixing personal expenses.  Catherine shared fantastic advice.  So check out the podcast for more insights.  Trust me, it's worth a listen! If you love this episode, email us at podcast@dashdot.com.au, and don’t forget to subscribe, rate, and share this podcast!  See you on the inside!    In this episode, we cover: 00:00 Coming up 03:37 Tax variation: The day-to-day magic for savings!  06:36 Boosting property investments: Tax variations made easy.  09:11 Your situation, your solution: Apply tax variations personally.  13:45 Oops! Tax variations gone wrong? Let's fix it.  16:02 Pay raise = Higher tax? Let's break it down.  20:26 Negative cashflow? Don't worry, we've got you covered.  22:43 Tax tips galore! Essential info on this topic.  26:27 Loan payoff proportions: What you need to understand.    About Catherine Meet the incredible Catherine Simons, Deputy Managing Partner and Chief Operating Officer of WSC Group! She's an absolute wizard when it comes to rental property investment and providing expert advice to small to medium-sized businesses. Whether you're a property investor looking to maximize your returns or a business owner seeking valuable insights, Catherine has got you covered. With her wealth of knowledge and expertise, she's your go-to person for all things rental property and business-related. Stay tuned as Catherine shares her invaluable tips and strategies that can take your investments and business ventures to new heights.   Connect with Catherine LinkedIn: https://www.linkedin.com/in/catherine-simons-59766b89/?originalSubdomain=au  Website: https://wscgroup.com.au/page/catherine-simons Connect With Us: Subscribe on Youtube (https://www.youtube.com/@dashdotinsider)  Listen on Spotify (https://spoti.fi/3Np19x8) Dashdot Website (https://www.dashdot.com.au/) Ready to work with us directly? (https://dashdot.com.au/discovery) Get your Property Portfolio Growth Plan (https://dashdot.com.au/portfoliogrowthplan) See omnystudio.com/listener for privacy information.
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Jul 18, 2023 • 35min

How to Use Your Property Equity to Your Advantage | #213

Discover the power of lazy equity in real estate!  Join me and Gabi in this podcast episode as we uncover how to unlock hidden riches and maximize your wealth creation opportunities.  We'll explain what equity is and how it can benefit you.  From the change in property value to additional capital contributions, we'll explore the different ways to create equity.  But beware of lazy equity—it may not be working hard enough for your wealth. Learn how to whip your lazy equity into shape and make it work harder for you.  Don't let the potential wealth in your property go unnoticed. Discover the tools and strategies to unlock its true power. Ready to turn your equity into cash and take your property investment to the next level?  Don't leave any wealth on the table—be proactive and align your risk profile with your property goals. It's time to take control of your equity and unlock a world of possibilities! If you love this episode, email us at podcast@dashdot.com.au, and don’t forget to subscribe, rate, and share this podcast!  See you on the inside!    In this episode, we cover: 00:00 Coming up 01:16 Catching up: What's new since our last chat?  04:28 Demystifying equity: How does it actually work? 08:40 Lazy equity: The secret sauce of property wealth.  14:06 Banks and their lack of a game plan.  19:29 Fixed or variable rates: Which way to go?  23:13 Charting our course: Where to next?  26:10 Unleashing the power of lazy equity.  29:25 The real reason we dive into property investments. Connect With Us: Subscribe on Youtube (https://www.youtube.com/@dashdotinsider)  Listen on Spotify (https://spoti.fi/3Np19x8) Dashdot Website (https://www.dashdot.com.au/) Ready to work with us directly? (https://dashdot.com.au/discovery) Get your Property Portfolio Growth Plan (https://dashdot.com.au/portfoliogrowthplan)See omnystudio.com/listener for privacy information.
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Jul 11, 2023 • 45min

Property Round-Up (Property and Investing Recast) | #212

Join us as we unravel the truth behind the skyrocketing property prices! Despite rising interest rates, the market remains hot.  So, what's the secret ingredient fueling this surge? In our latest episode, we've got none other than yours truly, joining Grant and Charley on the Proeprty and Investing Podcast.  Together, we'll unveil the hidden dynamics shaping the Australian property landscape. Tune in to gain invaluable insights, industry stats, and expert analysis that will empower you to navigate today's market and seize profitable opportunities.  Whether you're a seasoned investor or just starting out, this is your chance to turn your property dreams into reality. Don't miss out on this exclusive episode!  Join us on the inside and stay one step ahead in the ever-changing world of property! If you love this episode, email us at podcast@dashdot.com.au, and don’t forget to subscribe, rate, and share this podcast!  See you on the inside!    In this episode, we cover: 00:00 Coming up 01:52 Latest trends and insights  06:36 Impact of interest rate rises  10:29 Why compromise is a last resort  16:23 Key indicators and analysis  18:27 Unleashing the driving force behind growth  20:01 Infrastructure's influence on property markets: A game-changer  24:48 The pressing challenge we face  29:55 Psychographics vs. demographics: The true market movers  32:04 Did you see this coming?  36:47 Commercial market update: What's happening now?  42:07 Our biggest challenge: Consistency and credibility    Connect With Us: Subscribe on Youtube (https://www.youtube.com/@dashdotinsider)  Listen on Spotify (https://spoti.fi/3Np19x8) Dashdot Website (https://www.dashdot.com.au/) Ready to work with us directly? (https://dashdot.com.au/discovery) Get your Property Portfolio Growth Plan (https://dashdot.com.au/portfoliogrowthplan)   #propertyandinvesting #propertyinvestment #propertyinvestors #propertyinvestmenttips #investmentstrategies #investmentsuccess #australianproperty #propertymarket #interestrates #propertyprice #australianpropertymarketSee omnystudio.com/listener for privacy information.
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Jul 4, 2023 • 30min

5 Practical Tips For Investing In The Current Market w/ Oliver Vernall | #211

Are you tired of navigating the complex world of property investment on your own?  Join Goose and Oliver Vernall, Senior Property Analyst at Dashdot, as we break down the key insights you need to know. Oliver has analyzed thousands of properties in various locations, making him the perfect guide to shed light on the current landscape with 5 practical tips to make the best property decisions right now We discuss everything from the impact of interest rates to the hottest price range for active investors. We also uncover hidden gems in regional centers outside the capitals and reveal the crucial checks analysts like us perform to ensure property viability. So, if you're ready to gain a competitive edge and make informed investment choices, this podcast episode is a must-listen.  If you love this episode, email us at podcast@dashdot.com.au, and don’t forget to subscribe, rate, and share this podcast!  See you on the inside!    In this episode, we cover: 00:00 Coming up 01:57 Market update: What's happening now?  04:23 Opening opportunities in the current market  09:21 Quality of stock: What to expect  13:08 Personal biases and investment success  17:26 Looking past the fluff: Key to success  22:15 Why doesn't Dashdot keep the best properties?  25:09 Ugly duckling suburbs turned superstars  28:21 Is it a good time to invest?    About Oliver Oliver is a seasoned property analyst who has immersed himself in the world of real estate for years. With his sharp analytical skills and vast experience, he has dissected thousands of properties across various locations.But Oliver is more than just a numbers guy. He knows that investing in property isn't just about crunching data—it's about envisioning your best life and making informed decisions. He understands the macro and microcosm of property investment, taking into account factors like interest rates and regional opportunities.   Connect With Us: Subscribe on Youtube (https://www.youtube.com/@dashdotinsider)  Listen on Spotify (https://spoti.fi/3Np19x8) Dashdot Website (https://www.dashdot.com.au/) Ready to work with us directly? (https://dashdot.com.au/discovery) Get your Property Portfolio Growth Plan (https://dashdot.com.au/portfoliogrowthplan)   #PropertyInvestingTips #MarketInsights #InvestmentStrategies #UnlockPotential #PodcastEpisode #InvestingWisdomSee omnystudio.com/listener for privacy information.
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Jun 27, 2023 • 40min

The Hidden Secrets Of The Australian Property Market That Are Unfolding Right Now! w/ Sean Simpson | #210

Here's the deal: there's a shortage of properties available, and interest rates play a sneaky role. People are holding onto their properties, waiting for a better time to sell... but don't let the panic fool you.  Join our Head of Property, Sean Simpson, and Goose in a jam-packed episode digging into some of the hidden secrets that are unfolding in the Australian property market right now. It’s full of insights, stats, numbers,to help  you navigate today’s market and seize opportunities. Whether you're a seasoned investor or just starting out, this is your chance to create the life you've always dreamed of through property investing. Don’t miss out. If you love this episode, email us at podcast@dashdot.com.au, and don’t forget to subscribe, rate, and share this podcast!  See you on the inside!    In this episode, we cover: 00:00 Coming up 06:03 Interest Rates: Impact on the Market  11:19 Response to Interest Rate Increase  16:46 Lessons from 17 Years Ago  20:06 Low Supply Regions and Hotspots  23:56 Changes in the Property Market  30:23 Future Outlook: 12-24 Months Projection  34:17 Growth Beyond Capital Cities  37:26 Small Communities' Power    About Sean Sean Simpson is property expert extraordinaire from Dashdot. If you're into property investing or have even a hint of curiosity about it, you'll want to pay attention to what this guy has to say. Sean has made quite a name for himself in the real estate world, and he's a frequent guest on the Dashdot Insider. In fact, he's become something of a legend, and this time, he's rocking a new title: head of property. Why is Sean such a big deal? Well, it's because he's got his finger on the pulse of the ever-changing Australian property market. And let me tell you, things are getting interesting out there.   Connect With Us: Subscribe on Youtube (https://www.youtube.com/@dashdotinsider)  Listen on Spotify (https://spoti.fi/3Np19x8) Dashdot Website (https://www.dashdot.com.au/) Ready to work with us directly? (https://dashdot.com.au/discovery) Get your Property Portfolio Growth Plan (https://dashdot.com.au/portfoliogrowthplan) See omnystudio.com/listener for privacy information.
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Jun 20, 2023 • 53min

Stop Paying Too Much Tax! w/ Jeremy Iannuzzelli | #209

Think you’re paying too much tax?  In this episode, we dive deep into the world of property taxes with resident tax nerd, Jeremy Iannuzzelli. We cover everything from how you can claim expenses to preparing for tax time and even share some nifty tricks on splitting costs throughout the year.  Jeremy shares valuable insights on working with property managers to streamline your expenses and get a comprehensive statement that includes all your property-related costs. He also reveals the secret of claiming interest expenses and other tax deductions that many investors overlook. So, if you're ready to demystify the world of property taxes, gain valuable tips for tax time preparation, and learn how to maximize your returns, this podcast is a must-listen. Jeremy's expertise, practical examples, and personal anecdotes make it informative and entertaining. Get ready to take your property investment game to the next level! If you love this episode, don’t forget to subscribe, rate, and share… Or if you want to share an idea for future episodes, we’re all ears at podcast@dashdot.com.au  See you on the inside!    In this episode, we cover: 00:00 Coming up 05:05 The benefits of having a property manager.  11:10 Property education and tax magic! 15:47 Traits for deduction bliss in your property portfolio. 19:08 Living or investing? 23:55 Equity splits and tax liability: The lowdown! 27:51 Implications decoded for your portfolio.  32:07 Immediate deductions on your property: When's the magic?  36:23 Net benefit and all that jazz! 40:45 Cha-ching! Positive cash flow on your property? 45:34 What's the scoop?  50:05 Market musings: What's up in the real estate world? About Jeremy With over 12 years of Property Tax Accounting experience, dealing with small to medium business enterprises, Jeremy Iannuzzelli learned to channel his focus in the niche market of property investment. Dealing with many property investors, he is able to create effective tax structures in line with the goals and objectives of his clients. He is also an enthusiastic property investor holding many properties in his portfolio implementing a combination of strategies. Currently, he is engaged with many investors, mentoring them not only in tax but a balanced strategy for them to acquire and hold more wealth helping them well into retirement.   Connect with Jeremy LinkedIn: https://www.linkedin.com/in/jeremy-iannuzzelli-5bb6045b/ Connect With Us: Subscribe on Youtube (https://www.youtube.com/@dashdotinsider)  Listen on Spotify (https://spoti.fi/3Np19x8) Dashdot Website (https://www.dashdot.com.au/) Ready to work with us directly? (https://dashdot.com.au/discovery) Get your Property Portfolio Growth Plan (https://dashdot.com.au/portfoliogrowthplan) See omnystudio.com/listener for privacy information.
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Jun 13, 2023 • 40min

How this Athlete and Coach Has Achieved Investing Success During A "Property Market Crash" w/ Brenton Ford | #208

Ever wondered how the principles of athletic coaching can be applied to property investing? Get ready for an inspiring new episode with Brenton Ford, the popular swim coach behind Effortless Swimming, who transformed into a successful property investor.  In this episode, Brenton shares his unique journey and sheds light on his evolving perspective on debt. Discover how he overcame initial reservations about property investing and embraced the power of building habits and consistency for long-term success. Brenton challenges conventional wisdom with relatable anecdotes and personal insights, and encourages listeners to think differently about their financial future. From debunking common myths to trusting the process, Brenton's story will inspire you to explore new possibilities in the world of real estate. Whether you're a sports enthusiast, a budding investor, or simply someone looking for a fresh perspective, this podcast episode is a must-listen. Tune in to Dashdot Insider and embark on a transformative journey. See you on the inside!   In this episode, we cover: 00:00 Coming up 03:09 Swim & Business: Winning Combo for Success! 09:42 eBay Hustle: Profits from Online Finds. 13:56 Superannuation: Path to Financial Growth. 17:05 Investing Triumph: First Property's Performance 20:58 Remote Investments: Breaking Barriers, Reaping Rewards. 27:03 Navigating Property Market: Insights from Seasoned Investor. 31:43 Sports & Investing: Tips for Athlete Investors. 35:54 Lessons for the Young: Investor's Reflections. About Brenton Brenton Ford, a highly successful swimming coach and astute property investor, leverages his coaching principles to navigate the property market effectively. His online platform, Effortless Swimming, has inspired and equipped swimmers across the globe, and he applies the same commitment to excellence in his property investments. Join us as Brenton reveals the strategies that helped him successfully navigate a market crash, offering valuable lessons for all property investors.   Connect with Brenton:  Effortless Swimming on Youtube: https://www.youtube.com/c/EffortlessSwimming Effortless Swimming website: https://effortlessswimming.com  Effortless Swimming on IG: https://www.instagram.com/effortlessswimming    Connect With Us: Subscribe on Youtube (https://www.youtube.com/@dashdotinsider)  Listen on Spotify (https://spoti.fi/3Np19x8) Dashdot Website (https://www.dashdot.com.au/) Ready to work with us directly? (https://dashdot.com.au/discovery) Get your Property Portfolio Growth Plan (https://dashdot.com.au/portfoliogrowthplan)   #PropertyInvestingJourney #FromSwimCoachToInvestor #ChangingPerspectivesOnDebt #MotivationThroughHabits #ThinkDifferentlyAboutFinance #TrustTheProcessOfInvesting #InspiringEntrepreneurship #RealEstateSuccessStoriesSee omnystudio.com/listener for privacy information.
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Jun 6, 2023 • 45min

Why 'Units Of Happiness' Could Be The Secret To Property Finance in 2023 w/ Matt Goodyear

Join us on Dashdot Insider as Matt Goodyear from the Happy Finance Company spills the beans on becoming a bank's top investment pick. Learn how banks assess loans based on collateral, capacity, and character.  Discover the secret stress tests they use and how to maximize your borrowing capacity. Find out how to align your actions with happiness, make smarter financial choices, and unlock financial success. Don't miss out on this must-listen episode! 🎧💼💪 See you on the inside!    In this episode, we cover: 00:00 Coming up 06:52 Decoding the finance industry 13:14 Spotting genuine savings 15:50 From savings to investments 19:20 Investors' decision dilemma 25:03 Aligning actions for success 30:01 Maximize borrowing: Strategies for property portfolios 34:44 Rental income's long game 40:05 Insights for the year About Our Guest Matthew Goodyear started in banking in 1998 and yes, it’s hard to believe looking at his photo, but he is about 10 years older than he looks! He holds a degree in Commerce majoring in Commercial Law and a Diploma in Finance Broking. He got in to property investment as an 18 year old. He can proudly say he made lots of mistakes at young age and now feels old and wise when it comes to finance and property. Over the years Matt has lost count of the number of people he has helped but he thinks he has settled somewhere in the range of $500M worth of loans. He describes being a broker as one of the best jobs in the world. “You get to meet and help people from so many walks of life, it’s amazing to see the different life choices and paths people take”.  Matt has experience in residential lending, and has also helped many of his clients build their own home. He also helps his clients with their business, commercial and personal lending needs. Matt has been nominated for and won a heap of awards in the past, but ask him and he’ll say the most rewarding thing about being a broker is when someone says thank you after he’s helped them.   Connect With Us: Subscribe on Youtube (https://www.youtube.com/@dashdotinsider)  Listen on Spotify (https://spoti.fi/3Np19x8) Dashdot Website (https://www.dashdot.com.au/) Ready to work with us directly? (https://dashdot.com.au/discovery) Get your Property Portfolio Growth Plan (https://dashdot.com.au/portfoliogrowthplan)   #InvestWisely #SmartFinance #HappyInvestments #MaximizeBorrowing #FinancialFreedom #HappinessMattersSee omnystudio.com/listener for privacy information.
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May 30, 2023 • 47min

Master Your Property Strategy: Harness the Theory of Constraints for Unstoppable Growth w/ Andy Bernardos | #206

Ready to unlock the secrets of property investing to level up your portfolio?  This episode's guest is Andy Bernardos, Senior Portfolio Strategist at Dashdot. He's got the inside scoop on optimising your portfolio and overcoming common misconceptions. Breaking it down in a way that's easy to understand, showing you how to focus on growth and strategic approaches instead of getting stuck on specific tactics.  SPOILER: It's all about finding that perfect balance between capital and debt capabilities. Andy also reveals ways to make the compounding effect work in your favour and reminds us of the power of waiting to unlock hidden opportunities. Whether you're aiming for mind-blowing cash flow or maximising your capital base, Andy's got the strategies to make it happen. This episode is a game-changer for your property empire.  If you were inspired by this episode don’t forget to subscribe, rate, and share this podcast. If you want to get in touch with Goose or the team, drop us an email with your thoughts on guests, topics or feedback. We’d love to hear from you. See you on the inside!    In this episode, we cover: 00:00 Coming up 01:35 Meet Andy: Your Property Strategy Guru! 07:40 Property Investing Misconceptions: Debunked by Andy  12:21 Managing Portfolio Constraints: Key to Unstoppable Growth 17:21 Capital vs. Cash Flow: When to Shift Strategies? 23:17 From Standing Start to Gold Mine: Reasonable Expectations  28:52 Evolving Your Portfolio: Andy's Expert Insights  33:39 Opportunity Cost: The Price of Progress  42:07 High-Interest Rates? Andy's Advice for Savvy Investors  About Our Guest Meet Andy Bernardos, the former industrial engineer and property investing strategist at Dashdot. Born and raised in Spain, Andy brings a unique perspective, blending his analytical mindset with a love for sports. He's a self-proclaimed sporty nerd who knows how to use capital as the vehicle to achieve your goals. Andy's expertise lies in optimising portfolio growth strategies and debunking misconceptions. While some may think that targeting high yields and reinvesting cash flow is the way, Andy emphasises scalable growth's power. With his knack for storytelling and real-life examples, Andy Bernardos is a valuable resource for those looking to build their capital and succeed in the property market.   Connect With Us: Subscribe on Youtube (https://www.youtube.com/@dashdotinsider)  Listen on Spotify (https://spoti.fi/3Np19x8) Dashdot Website (https://www.dashdot.com.au/) Ready to work with us directly? (https://dashdot.com.au/discovery) Get your Property Portfolio Growth Plan (https://dashdot.com.au/portfoliogrowthplan) See omnystudio.com/listener for privacy information.
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May 23, 2023 • 1h 4min

How This Investor Was Able To Retire At 23 Thanks To His 12 Property Portfolio w/ Mat Fisk

Are you tired of working your life away without a hint of the financial freedom you’d need to live your best life? In this week's episode, Mat Fisk discusses building a property portfolio that can provide enough capital growth to quit your job and start living your dreams. Mat began investing in properties at 18, and by 23, he could already retire. He leveraged his property portfolio to build a business and fund his dreams, and he shares his experience and insights in this episode. If you're interested in learning how to build a property portfolio that will give you financial freedom and the ability to pursue your passions, then this podcast is for you. So, what are you waiting for? Give it a listen and start building your dream life today! See you on the inside!    In this episode, we cover: 00:00 Coming up 05:56 Why property was the perfect investment  10:21 What motivates this successful investor?  12:19 How property helped him start a gym  14:29 Car and plane purchases: living the dream  19:53 Tips for getting into the property market 23:07 His biggest portfolio mistake revealed  27:50 The importance of a balanced property portfolio  29:54 How interest rates impact different markets  34:34 Invest in real estate 10 years ago (or now)  39:27 The impact of cash-flow neutral properties 42:00 Fitness: Get the body right, mind will follow  48:04 Ask me anything 52:02 Short-term vs long-term rental risk in Australia 54:40 Let's make investing a global affair 59:36 Achieve anything with the right mindset. About Our Guest Mat Fisk is a respected property investor known for his expertise and success in real estate. He has a strategic approach to investment, conducting thorough research and capitalizing on opportunities. Mat stays informed about market conditions, enabling him to make informed decisions. He is also passionate about financial education and helping others achieve their goals. Through seminars and mentorship programs, he has inspired and guided aspiring investors. Mat's impact extends beyond his portfolio, as he is respected and trusted in the industry. His relatable and down-to-earth approach makes him an influential figure in property investment. Connect With Us: Subscribe on Youtube (https://www.youtube.com/@dashdotinsider)  Listen on Spotify (https://spoti.fi/3Np19x8) Dashdot Website (https://www.dashdot.com.au/) Ready to work with us directly? (https://dashdot.com.au/discovery) Get your Property Portfolio Growth Plan (https://dashdot.com.au/portfoliogrowthplan) See omnystudio.com/listener for privacy information.

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