The Investor Lab

What would change about the way you invest, if you had a 90% chance that you’d get it right? What if predicting property market growth is actually easier than you think? You see, just like how expert traders are able to analyse short and long-term market trends through the use of data analytics… We can also do the same thing for the property market! Turns out you can ACTUALLY figure out where the next hotspot will be in the next 12 months!   Today, one of Australia’s top property market analysts, John Lindeman, shares with us the secret to how you can predict property trends at high precision. We’ll talk about the two indicators in the housing market predictability…Why interstate migration is more important than international migration…The impact of infrastructure on property growth...And heaps more! See you on the inside!   In this episode we cover: John’s quest into property investing [04:30] 70% of people buy property to live in as a home [08:43] Two indicators in the housing market predictability [10:36] What is the Housing Market Prediction Solution and what makes it different? [12:52] Growth drivers that make the property market predictable [15:33] Is interstate migration more important than population growth holistically? [18:18] Taking future supply risk into consideration [20:02] The impact of the cost of finance in the property market predictability [21:23] Three ways to understand psychographic and demographic drivers [22:55] Why is infrastructure one of the top property growth drivers? [25:09] Will there be a shift in education due to a lack of foreign students? [29:35] The direction of the property market in the next 12 months [31:08] Property market stability in the CBD [33:03] Where are the next property hotspots in Australia? [34:36] John’s preferred property investment strategy [38:58] What John wants to be remembered for [41:33]   Links from the show: Mastering the Australian Housing Market by John Lindeman (https://amzn.to/33QREms) Visit the Lindeman Reports Website (https://lindemanreports.com.au/)   About John Lindeman: John Lindeman is CEO of Property Power Partners and widely respected as one of Australia's leading property market analysts. With over fifteen years of experience researching the nature and dynamics of the housing market at major data analysts, John is renowned as the go-to property market researcher for Australian housing market insights. He is also the author of the landmark best-selling books for property investors, Mastering the Australian Housing Market, and Unlocking the Property Market.   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com/au/)   Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com)   Ready to work with us directly? (https://dashdot.as.me/discoverycall)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

Have you ever heard about people investing in properties and getting insane amounts of growth… Only to have the market flip upside down? You see, it’s easy to ride the curve upwards when you see it - but much quicker to pour money down the drain when it comes crashing down. But, if you know how to look for the signs, you’ll be able to get off the roller coaster, walk away unscathed, and become more prosperous than ever before.   This episode is all about the fifth core factor, the “Boom Town Syndrome”, of our ‘Hunting Hotspots’ mini-series, especially made to help you find the next property hotspot wherever you may be. We’ll talk about what a boom town syndrome is…The biggest risks in boom town scenarios…Knowing when to pack up and leave...And heaps more! See you on the inside!   In this episode we cover: Large-cap stocks vs small-cap stocks [08:11] What is the ‘boom town syndrome’? [10:00] Do regional centers have the boom town syndrome? [13:17] The biggest risks in boom town scenarios [17:00] Where people make mistakes when investing in boom town areas [20:29] Why you need to know when to sell your property [23:05] Tips on doing well in a boom town scenario [25:33] Keeping your eyes peeled for when big companies decide to leave [28:09] Are boom town scenarios necessarily a bad thing? [31:01] Does Perth show a boom town syndrome? [33:48] The biggest takeaways from this episode [36:11]   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com/au/)   Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com)   Ready to work with us directly? (https://dashdot.as.me/discoverycall)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

Let me ask you… what are you optimising for?Have you ever felt like you’re stuck on a hamster wheel, and no matter how hard you run, you never seem to get to where you want to go?Or perhaps you’ve gotten lost, and forgotten why you started on the journey in the first place? Most of the time, owners and investors get stuck in survival mode… And resort to constantly playing a game of tactics, rather than playing a game of strategy. You see, being in business is just like chess… And in chess, you always need to think (and be) three steps ahead.   This episode is part seven of our ‘Property and Business’ series with Charley Valher, created to help business owners decide on “what’s next” and get them back on track. We’ll talk about why you should always think of wealth optimisation in every business stage…How you can still get back on track to wealth optimisation…Why hyper-focus is a boon and bane for business owners...And heaps more! See you on the inside!   In this episode we cover: Business owners are more focused on survival rather than optimisation [06:49] What is wealth optimisation? [09:50] Why you need to think about optimisation in every stage of your business [13:10] Money doesn’t always equal to wealth, and BIG doesn’t always mean ‘rich’ [17:47] Think about the function your business serves in your wealth creation strategy [20:06] Using systems and processes to make the business saleable [22:31] The compounding effect of lost opportunity cost [24:28] How to get your business back on track to wealth optimisation [27:35] Optimising your business’ appearance to the lender [30:18] The common middle-class business strategy [32:29] Negative-gearing may be a strategy at the initial phase of your business journey [37:22] The result of under-investing in your business [40:55] Any shift in priority is a reallocation of resources [43:00] Hyper-focus is the business owner’s boon and bane [46:59] Ask yourself what you are optimising for [50:08]   Links from the show: No B.S. Marketing to the Affluent by Dan Kennedy (https://amzn.to/3lBtenh)   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com/au/)   Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com)   Ready to work with us directly? (https://dashdot.as.me/discoverycall)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

What do success and happiness look like to you? Are they measured by the number of awards you have achieved? Or perhaps defined by the number of zeroes in your bank account? You see, most of us spend our time chasing that pot of gold at the end of the rainbow hoping to bring our dreams to life… Only to end up getting burnt out in the process and beating ourselves up for not reaching our destination. Sometimes, even when we get there, the happiness we think we’d have doesn’t come... And as it turns out, there are six habits you need to develop to make your dreams a reality and have a more fulfilling life.   Today, we’ll talk about how mistakes are a good sign of growth…What the six habits are and what makes them essential…How to stop comparing yourself to others...And heaps more! So if you’re looking for a sign to pause for a moment and get your life the way you envisioned it, this is it.  See you on the inside!   In this episode we cover: Laura and her journey towards self-development [05:47] Your mistakes are a good sign that you are growing [08:30] On retirement: figuring out how to keep the money (but not the work) [11:43] What are the six habits and how were they created? [15:40] Discovering the six habits during her downtime [18:23] Kindness is not just gestures toward others, but for ourselves as well [23:41] Overcoming the negativity inside her head [25:24] Getting into the habit of being kind to ourselves [28:06] Acceptance is unconditional self-love [30:30] Gratitude, like the other habits, is a lifestyle [33:35] Presence, goodness, and intention [35:24] When did we start losing the six habits? [38:50] The result of dialing in all six habits [41:00] What success means to her now [44:10] Wanting to see the world in a better place [46:11] It’s worth it… and you are worthy of it [49:25]   Links from the show: The Six Habits website (https://www.thesixhabits.com/) Get your copy of The Six Habits by Laura DiBenedetto (https://amzn.to/3cZPwMc)   About Laura DiBenedetto: TEDx Speaker, #1 Bestselling author of The Six Habits and Life Mastery Coach, Laura DiBenedetto teaches how to create the life of our dreams without sacrificing what we love. As Founder and CEO of Vision Advertising, a company that she built at age 19, she has helped hundreds of entrepreneurs build and grow profitable enterprises entirely on their terms.    Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com/au/)   Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com)   Ready to work with us directly? (https://dashdot.as.me/discoverycall)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

Ever gotten advice that seemed great at the start but turned out to be bad for business? Or maybe you’re feeling lost in your property portfolio journey and need a little help to move forward? Regardless of where you are on your journey, knowing your next move is important... And understanding the unfair advantage business owners have in terms of cash flow properties can help you plan what happens next.   Today, we lock in on an interesting—and perhaps controversial—topic: why cash flow is never more important than growth. This episode is part six of our ‘Property and Business’ series with Charley Valher, designed to help answer the question all business owners must face: “What’s next?”, and get them back on track. We’ll talk about how asset diversification is needed for positive cash flow…Why you need to prioritise stability over big ticket items…Whether equity is essential for building a good portfolio or not…And so much more! See you on the inside!   In this episode, we cover: 2020—the golden age of “pop” entrepreneurship [06:57] Change is great if partnered with the right business acumen [09:35] Why cash flow is more important for business owners [12:24] How long does it take before the average Australian can buy an investor-worthy property? [16:19] The only way to break your portfolio is to only chase growth [18:47] What if your property has zero growth rate? [20:40] Asset diversification is required to get a balanced portfolio and positive cash flow [23:34] How to better approach your portfolio in terms of cash flow and growth [25:21]  The difference between first-time investors and investment giants [30:02] How does equity affect the overall yield of a portfolio? [33:25] Positive cash flow properties will eventually pay their own debt [36:41] Is it better to avoid using equity, or is it essential for building a good portfolio? [39:06] Any move can be good or bad depending on the circumstances [41:20] Why you need to build stability rather than just chase after big ticket items [44:35] How should you prepare to build your portfolio as a business owner? [46:49]  At what point (with what factors) does a property portfolio become ‘important’? [53:59] It’s critical to understand when to apply different levers in certain situations [58:09]  Knowing when to switch focus from your business to your property portfolio (and vice-versa) [1:01:42] Business and property portfolio are two different asset classes that work well together [1:04:42] The biggest takeaways in today’s episode [1:07:39]   Links from the show: Stark Naked Numbers by Jason Andrew (https://amzn.to/36u0V5V)   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com/au/)   Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com)   Ready to work with us directly? (https://dashdot.as.me/discoverycall)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

How much is your time worth? Is the time you spend with your family, worth the same as the time you spend mowing the lawn? Have you ever wondered why some people seem to achieve so much more in life, when the reality is, we all have exactly the same amount of time each day? Do you ever think about “time” the way you think about money? Time is a finite resource, and  is the most valuable commodity there is, in that we can never take back what’s already passed. So, we must choose how to spend (and trade) it wisely…   Today’s episode aims to help learn how to buy back your time. We’ll talk about why there are times you need to delegate your tasks to others for growth…Why it’s important to have a defined goal and outcome to beat procrastination…How effective hourly rate affects how you take charge of your time…And heaps more!   See you on the inside!   In this episode we cover: Why would anyone want to buy back their time? [09:54] You can do anything you want, but it doesn’t always mean you should [14:20] Time is a finite resource that you have to trade effectively and carefully [18:04] There is a limit to what and how much you can trade that makes sense [21:30] Time that you’re spending is time that you’re investing [23:41] Make sure to set a defined goal and outcome [25:34] You should spend your time living your life’s purpose [30:23] Half the battle in life is just working out how you can hack time [33:00] Always think about what you really want [36:48] By outsourcing your time, you can give yourself a head start [41:26] How to calculate your effective hourly rate [43:37] You can choose to charge a higher hourly rate and have more time for yourself [47:25] The effect of outsourcing on your effective hourly rate [51:07]  Is it possible to outsource everything while generating revenue? [54:18] Links from the show: Millionaire Success Habits by Dean Graziosi (https://amzn.to/3kKC4OP)   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com/au/)   Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com)   Ready to work with us directly? (https://dashdot.as.me/discoverycall)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

Have you ever wondered “what is the right strategy for me?”Or have you wondered how different property business models might produce different outcomes, and when they should be used?Or even how long it might take to achieve success?In this episode we expose the value of strategic thinking and principles based approaches to portfolio building, so you can reach greater levels of success, much faster. Today, we mark part five of our ‘Property and Business’ series with Charley Valher, designed to help answer the question all business owners must face: “What’s next?”, and get them back on track. We’ll talk about things you need to consider before going into negative gearing…Why long-term gratification provides a more rewarding life...How long it takes to build a successful property portfolio...And heaps more! See you on the inside!   In this episode we cover: Don’t purchase a negative gearing property without a surplus income [06:33] Risk factors involved in using bank loans to finance your property [08:04] The essence of understanding your business model and how it serves you [15:13] A ‘blended strategy’ brings back serviceability, not increases it [17:16] The link between buying back your borrowing capacity and cash flow [20:01] Real estate investing is a game of finance with a few houses in the middle [23:14] The 3 phases of a business and property portfolio [25:59] Getting to your desired business model moves in stages [30:14] Your first goal shouldn’t be cash flow, but growth that recovers debt [34:16] How long does it take to build a reasonable property portfolio? [37:30] Age matters a lot when investing in a business model [43:43] The best time to start was yesterday [46:07] Pursuing reasonable, long-term gratification grants a rewarding life [48:31] Zero to eight-figure cases are possible, but shouldn’t be the new standard [49:04] Key takeaways on property and business models [51:14] The unspoken benefit of creating a positive cash flow in your portfolio [54:37] The riches are in the niches [57:13] Understand the concepts to play the game well [59:16] Just because you can make property upgrades, doesn’t mean you should [1:01:53]   Links from the show: Good To Great by Jim Collins (https://amzn.to/3iWCbGL) The Entrepreneurial Grid (https://theinvestorlab.com.au/wp-content/uploads/2020/09/BOGTP-Entrepreneurial-Grid.png) The Business Owner’s Guide to Buying Property (https://theinvestorlab.com.au/wp-content/uploads/2020/09/BOGTP-June2020.pdf)   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com/au/)   Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com)   Ready to work with us directly? (https://dashdot.as.me/discoverycall)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

Is saving money something you’ve always struggled with? Does having the freedom to do what you want, when you want, with who you want, seem impossible given your current situation? Or are you scared to take that first step because you have no idea how to start? Most of us think it’s already too late to start saving towards economic freedom... We resign ourselves to the hamster wheel until we become too old to enjoy anything in life... And when we get a little older, only then do we look back and ask ourselves, “Why didn’t you do it sooner?”  Is that really the kind of future that we want to have? Well, it’s time to get FITR. Today, we have an incredibly insightful episode with Lacey Filipich, founder of Money School, on how to be financially independent and be more time rich. We’ll be talking about F.I.R.E. and the concept behind it...The benefits of being FITR (and taking mini-retirements)...Why any form of investment needs to be given due diligence...And so much more! See you on the inside!   In this episode, we cover: Sowing her first few seeds towards financial independence [06:01] Becoming free at 30 [10:39] The concept behind F.I.R.E. [14:36] No need to live like a monk - just live the minimum, viable life & prioritise [17:29] Getting into the habit of saving [21:08] Keep a balance between awareness of an unknown future and having fun [25:01] The benefits of being FITR and taking mini-retirements [33:40] Properties require a lot of work but have the quickest capital growth [36:28] Cash flow continues to increase as rents go up [40:38] We invest in property for the leverage [42:21] Is yield more important than growth, or is it the other way around? [46:38] Don’t buy a property without doing due diligence [48:01] The motivation behind Money School [50:20] The image of success for Lacey [56:16] Lacey’s advice on not giving up [58:23]   Links from the show: Visit the Money School Website (https://www.moneyschool.org.au/) Watch Lacey’s TEDx Talk on YouTube (https://www.youtube.com/watch?v=XSHNDyinZSQ) Money School by Lacey Filipich (https://www.moneyschool.org.au/books/)   About Lacey Filipich Lacey Filipich helps people become financially independent and reclaim their lives. She founded Money School in 2010 to build financial capability in adults and Maker Kids Club in 2017 to teach children money skills through enterprise. Her first non-fiction book ‘Money School: Become financially independent and reclaim your life’ was published with Penguin Random House in February 2020. She is a TEDx speaker and the winner of a 2019 Business News '40 under 40' Award.   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com/au/)   Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com)   Ready to work with us directly? (https://dashdot.as.me/discoverycall)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

Have you ever wondered what the best investment strategy might be?Or have you ever considered how different strategies are essentially just different business models?Wouldn’t it be exciting to start your property investment journey and know it will create more time, freedom, and money for you and your family? When we feel financially ready, we often jump right into what we think would be a great investment... Only to end up getting stuck and realising it’s not compatible with who you are or where you want to be. So, what can you do to prevent this from happening? By taking a closer look at the different property business models under a microscope and understanding how they work and what they can do to turn a profit... You’ll be able to avoid making that fatal mistake of getting tied up in a strategy that doesn’t suit your vision and goals. If you’re someone who’s determined to take the right path but needs help to find the right direction… Then this episode is perfect for you. Today, we mark part four of our ‘Property and Business’ series with Charley Valher, designed to help answer the question all business owners must face: “What’s next?”, and get them back on track. We’ll talk about the different types of business models…The similarities between online and offline real estate…What negative gearing is and why it’s a bad strategy...And heaps more! See you on the inside!   In this episode we cover: The consequences of choosing the wrong business model [06:16] The different types of property business models [10:59] The Eisenhower Matrix of business and real estate [13:39] Three phases of the investor’s journey [15:57] To go faster, you need to slow down [18:37] Real estate is a business that consists of the land and the property on top of it [20:42] The concept of websites as online real estate properties [23:11] Applying online real estate strategies to offline real estate [25:15] Capital risks involved in property flipping [27:37] Test the waters when trying out new business models [30:57] Renovated vs unrenovated properties located in the same area [33:18] Blending developments with buy and hold strategies [36:01] Leverage creates more time and money in your business [39:32] What is negative gearing? [43:00] Why negative gearing is a bad strategy [46:10] The only way that negative gearing could work [49:40] The biggest risk concerning negative gearing [54:29] Was the concept of negative gearing a mistake? [57:13]   About Charley  Charley Valher is a household name among business owners, investors, and entrepreneurs. He is the Founder and CPO of Valher Media, helping entrepreneurs scale their business through the business of podcasting. His expertise has helped launch multiple podcasters into becoming one of the best in their field.   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com/au/)   Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com)   Ready to work with us directly? (https://dashdot.as.me/discoverycall)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

If you had the choice, would you prefer living in the hustle and bustle of the concrete jungle? Or… would you rather live by the beach, relaxing under the sun, sipping Piña Coladas? Times are changing, and with the pandemic factoring in, we’re seeing a shift in real estate value, specifically those located near lifestyle features. With more and more people working from home, people now have the freedom to choose where they want to live… And believe it or not, proximity to facilities that offer lifestyle choices and alternatives are one of the core drivers that make an area a hotspot.    Today’s episode is part five of the ‘Hunting Hotspots’ mini-series...We’ll talk about the types of lifestyle features that determine real estate value…How the pandemic has changed where people decide to live in...Why people prefer to live in places with a great view despite some inconveniences... And much more! See you on the inside!   In this episode we cover: Three types of lifestyle features that have the biggest impact on real estate value [09:20] Properties near beaches and golf courses demand more premium than others [12:37] The hierarchy of desirability value in properties [15:49] Why people love properties with a great view [17:39] Lifestyle features have become the biggest property driver during the pandemic [20:53] As we move into the digital space, people are starting to realign with our values [23:47] Prices of properties near lifestyle features may shift in the coming months [25:27]  People live near cities because they subconsciously think they have to [31:08]   Links from the show: Hunting Hotspots Report (https://theinvestorlab.com.au/resources/#realestatehotspots) Send us an email at hello@dashdot.com.au! Watch our “Psychographics vs Demographics: An Investor’s Hidden Edge” episode (https://theinvestorlab.com.au/podcast-ep31-psychographics-vs-demographics-an-investors-hidden-edge/) Watch “The Fiscal Cliff is a Lie - feat. Terry Ryder” episode (https://theinvestorlab.com.au/podcast-ep46-the-fiscal-cliff-is-a-lie-feat-terry-ryder/) Check out Part 3 of our “Hunting Hotspots” series on “Transport Infrastructures” (https://theinvestorlab.com.au/podcast-ep49-urban-renewal-government-policy-hunting-hotspots-3/)   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com/au/)   Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com)   Ready to work with us directly? (https://dashdot.as.me/discoverycall)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.