The Investor Lab

Are you confident that you, your business, or your property portfolio will stay afloat if an economic downturn suddenly happens? What if you realise that the business model or property strategy you’ve invested years on is not really for you? Sometimes, we get bad advice from different people without really knowing what kind of risks we’ve exposed ourselves to… And before we know it, we’ve already signed up for the ultimate recipe for disaster! If you’re someone who wants to understand potential risks and how to mitigate them... Then listen up and learn how not to crash your business or property vehicle. This episode marks the third part of our ‘Property and Business’ series with Charley Valher, designed to help answer the question all business owners must face: “What’s next?” In this episode, we talk about how to choose the right business or property model…Why you should put more priority in getting the right team…Different business and property risks...And loads more! See you on the inside!   In this episode we cover: Different business models work for different people [07:49] Negative-gearing businesses won’t create more time, freedom, and money [11:16] Property investing may not be designed for business owners [15:00] Stock Trading is a more active strategy than you think [17:54] Having the time to commit is a huge factor in choosing the right business model [20:43] In real estate, it’s crucial to have a team that shares your values [22:29] Never try doing it yourself - get advice from the right team [26:54] 90% of property investors don’t achieve their desired financial outcome [32:54] Why diversification is a good way to reduce risk [36:27] If you purchase a property, always have 3-months worth of rent as a moat [40:59] Properties can pay for themselves [47:27] Never let yourself get into a negative equity position [50:56] Efficiency plays a great factor in high LVR percentage scenarios [52:12] Owning a single, debt-free property vs having diversified properties with loan [55:06] Positive cash flow is the ultimate cure-all for businesses and properties [58:51] The two biggest mistakes that business owners can make [1:02:39]   Links from the show: Billionaire in Training by Bradley J. Sugars (https://amzn.to/3idQnL1)   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.

Did you know that you can outperform other investors by predicting the future of the property market? What if there is a way for you to foresee how it will be doing in the next three or four years? As unreal as it sounds, it is possible. With the power of technology and algorithms, you can give yourself the leading edge advantage that you’ve always wanted. Today, we’ll talk with two expert property market analysts, Matt and Sasha of Higher Than Average Growth, about how to leverage your knowledge of the future to outperform investors. We’ll talk about machine-learning algorithms and how it’s different from AI...What makes the human element essential to this kind of technology...Why there are multiple growth drives that factor in...And lots, lots more! See you on the inside!   In this episode, we cover: The origins of Higher Than Average Growth [04:49] The team behind HTAG [09:11] Using past property market performance data to predict the future [11:41] Challenges in predicting the property cycle, all variables considered [15:41] How HTAG measures accuracy [18:15] AI vs machine-learning algorithms and their roles in property investing [20:09] The downside of applying technology to property investment [25:21] The biggest drivers of the growth of an area [30:02] The future of HTAG [36:16] Data interpretation still requires a human element [37:45] The only way to get your answers would be to keep probing [41:15] To train an algorithm, you have to feed it with a good diet of healthy data [42:40]   Links from the show: Visit Higher Than Average Growth’s website (https://www.htag.com.au/)   About Matt & Sasha Matt & Sasha are the founders of HtAG Analytics, helping real estate professionals make informed property decisions through the use of accurate data science. Together, they have made groundbreaking results and have greatly impacted the property investment community.   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.

On a scale of 1 to 10, how would you rate your financial IQ?And, if you’re honest, how would you rate your ability to tell a good investment strategy from a bad one? You see, most of the time, we invest in what we initially thought was a “good idea”... Only to end up wasting time, energy and money in lost opportunity cost.. However, by gaining a better understanding of your own financials in congruence with how the game of life is being played… You can stay on track and accelerate yourself towards the life that you desire.   Today is the second part of our ‘Property and Business’ series with Charley Valher, Founder and CPO of Valher Media. A series designed to help answer the question that all business owners must face… “What’s next?” And today, we’ll talk about what makes property investing different for business owners…How they can go about debt financing and make it work for them...Why Rentvesting is a good way to save up on your taxes...And heaps more! See you on the inside!   In this episode we cover: Goals and desires can be the same, but achieved in different ways [05:33] Borrowing is more challenging for business owners than it is for employees [08:23] Be cautious of how heavily you invest in your business (for taxes) [12:15] Buying new, unnecessary equipment to save up on tax is a bad idea [14:12] Clear out your debts first before investing in real estate [17:47] Credit card liabilities affect your borrowing capacity - even when fully-paid [19:32] A lender’s risk assessment of your finances & their risk tolerance [22:14] Risk assessment of digital assets may be harder for lenders [26:53] Taxes in relation to business owners and real estate investment [28:45] Should you set up separate trust accounts for each property or asset? [34:03] How separate trust structures impact tax rates for your properties [37:30] There is no one-size-fits-all strategy for different financial circumstances [39:07] The ‘secret to success’ regardless of financial background [43:22] How Rentvesting allows you to reduce your taxes [45:20] Life can be easy, but it’s our job to work out how to make it so [48:15] Rentvesting holds a massive potential that everyone should harness [49:39] Lifestyle design and living life the way you want it [51:31]   Links from the show: The Richest Man in Babylon by George Clason (https://amzn.to/2F08K7I)   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.

How would you feel about getting a 6.24% yield or more in the midst of a pandemic? Or what if you got 12.9% growth during the middle of an economic crisis? Well, we are delighted to share with you just some of the results our clients have achieved over this challenging time.  With all of the negative news stories, and media misinformation, it’s not hard to get demotivated and give up on your property journey... But if you look a little more closely, you’ll realise it’s not all bad and that there are actually ways you can invest intelligently, to progress your personal wealth journey, even in times like these. ! So, If you’re someone who wants more time, more freedom, and better returns... You’ve come to the right place.   Today, we’ll talk about a few of the Top 20 property purchases we made for our clients...How real estate has transformed people’s lives over the years...Why you should stop waiting and start taking action...And heaps more! See you on the inside!   In this episode, we cover: Our top 20 property purchases showing a 6.42% average yield [14:37] Being one of the real estate industry’s “best-kept secrets” [16:33] Real estate is not just about buying houses; it’s about transforming lives [18:19] How client transformations through property growth can transform communities [23:16] You don’t have to spend a lot of money to buy a property with high yields [26:11] The people who take action get results (and freedom) [28:07] Real estate investment allows you to gain at least 50% ROI in less than a year [30:32] Why you need to listen to this episode [37:49]   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 thought about what would happen to you and your business if the market suddenly shifted?Or what would happen if you didn’t, or couldn’t, show up to keep the wheels turning? You see, most business owners focus all of their time and energy on building a better machine…  But very few have a plan for what would happen if they need to, or want to, stop working one day. If you’re someone who wants to have a more stable future and create more time, and more freedom...… But don’t want to end up sacrificing your business along the way... Then this episode is perfect for you.   Today marks the first part of our ‘Property and Business’ series with Charley Valher, Founder and CPO of Valher Media. A series designed to help answer the question that all business owners must face… “What’s next?”   And, today we’ll talk about why you need to start thinking about property investing…How you can use real estate debt to your advantage…The secret power of Rentvesting…And heaps more! See you on the inside!   In this episode, we cover: Why Charley started thinking about property—and why you should, too [08:00] Owners tend to build businesses that can’t flourish without them [10:40] Property investment allows you to create other pillars of wealth [15:01] How to break free from your business through Rentvesting [17:43] How Goose discovered the ultimate hack to property investing [21:19] Diversification: Taking money from your business and investing it in property [29:24] Factors that can potentially change the market in the future [35:25] Proximity doesn’t necessarily equate to business growth [42:15] Charley’s initial ‘belief thresholds” on various investment possibilities [44:09] Decoding real estate debt [48:04] The property market is non-linear and moves in cycles [52:59] Property core drivers are key in making good investment decisions [57:08] No business owner wants volatility in their property portfolio [59:38] Always prepare for what’s next [1:01:42]    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.

Have you ever wanted to take control of your life but are stuck, shackled to your job? If pursuing your passion is being hindered by work (or the temptation of a great salary)...   You might need to learn how to sack your boss... And be one step closer to getting the financial success you’ve always dreamed about.   Today, we’re joined by the founders of The Guerrilla Method, Matthew and Sahara, as we talk about the methodology that helped catapult them towards financial freedom... We’ll talk about what makes persistence and consistency the baseline of success...The difference between quitting your job and sacking your boss...What makes wealth a team sport...And heaps more! See you on the inside!   In this episode, we cover: The legends that are Matthew and Sahara [04:51] Matthew’s life and career before investing in real estate [06:40] Persistence and consistency can get you places [09:25] Sahara’s humble beginnings & their move into real estate investing [11:58] The story of how they bought their first real estate property [16:29]  Renovating their first property & reaping the fruits of their labor [19:26] The right and wrong ways of managing a real estate business [22:56] ‘Doing’ is the best learning, mistakes, our greatest teachers [25:23] Applying their acquired knowledge and getting back on their feet [27:05] How to sack your boss [32:01] Wealth is a team sport [36:40] The four fatal afflictions of humans [39:32] Action without perspective is bad [41:38] The end-goal of The Guerrilla Method [44:23] Their vision of success is a community of smiles [47:22] Focus on one idea, take action, and believe in yourself [51:26]   About Matthew & Sahara Matthew & Sahara are the founders of Guerrilla Method Real Estate, where they help real estate investors discover the secrets very few know about optimizing real estate for higher returns, and double - triple - their income with property. They are passionate about helping investors achieve the freedom of wealth through cash flow positive real estate.   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.

Isn’t it so exciting to be a part of a big shift in a town’s economy? You see, suburbs and far-flung areas are slowly transforming into robust cities all because of well-planned urban renewals... And positive changes in the economy are slowly sprawling from town to town. To be able to ride the curve upward, you need to have access to information that will make your investment journey fulfilling.   Today’s episode is part four of the ‘Hunting Hotspots’ mini-series… We’ll talk about what makes urban renewal different from the ugly duckling syndrome…Why decentralisation can foster market and economic growth…What makes timing so important in property investing…And heaps more! See you on the inside! In this episode, we cover: The Ugly Duckling Syndrome vs urban renewal and government policies [07:17] Government decisions are business plans that drive money to the economy [10:15] What makes planned gentrification exciting? [14:42] Why buy property in Armadale? [17:04] Decentralisation diversifies economic centers and drives market growth [19:17] Councils sometimes miss their targets, just like businesses don’t hit some goals [22:16] Plans are useless, but planning is essential [24:35] Urban renewal is based on livability [26:00] The greatest gains are in the transition point [30:01] Timing is critical when making a real estate investment decision [31:20]   Link/s from the show: Hunting Hotspots Report (https://theinvestorlab.com.au/resources/#realestatehotspots) Send us an email at hello@dashdot.com.au!   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.

Do you sometimes ask yourself if you’re on the right path? Most of us just stumble around not really knowing what direction we want our lives to take. If you’ve always wanted to find your purpose, identity, and create a life plan that ties it all together, then this episode is perfect for you. You see, you can either let life happen to you… Or you can take control and decide what kind of journey you’d like to create for yourself. Today, we have a very impactful and insightful episode as we chat with Tristan Scifo, adviser, mentor, and coach at Purpose Advisory. We talk about how to build your life plan according to your personality…Why you need to have a better perspective on money...Why you need to pay attention to your mental health…And so much more! We also talk about the importance of mentorship and how it will help you map out your life. See you on the inside!   In this episode, we cover: Tristan’s motivation and journey to becoming a Financial Advisor [04:20] What does money have to do with service, love, and happiness in general? [09:17] Is it bad for money to fuel interaction & innovation? [12:49] Money is a magnifier and amplifier [15:37] Building a life plan around people’s personalities [17:20] Creating a congruent life plan between two different personality types [19:02] Do we get to pick our preferences on love? [21:45] What is the price tag in getting what you want in life? [24:27] Different strategies in building a life plan [26:07] How to simplify the journey to get to where you want to be [29:34]  What makes property and financial advising spaces exciting? [33:17] Working out your life journey in relation to purpose and identity [35:55] Finding clarity in your identity [39:51]  Pay attention to your mental health as much as your physical health [41:32] To be in control, you have to understand your programming [44:01]  The different facets of the human journey [46:36] To fast-track your life, you need to have a mentor [51:16]   Links from the show: Purpose Advisory (www.purposeadvisory.com.au)  Pyscho-Cybernetics by Maxwell Maltz (https://amzn.to/2PhYjyb)   About Tristan Tristan Scifo is a husband, father and helps people live a fulfilled life in his role as an adviser, mentor & coach at Purpose Advisory. After 5 years employed as an adviser – first in a large corporate environment and then in a local suburban environment, Tristan launched Purpose Advisory in February 2018 as Australia’s first ever financial advice + life coaching company. His greatest joy at work is to see his clients find a deeper understanding of their identity, and as a result, to achieve results they couldn't have dreamed of in the past.   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)   Purpose Advisory Website (https://purposeadvisory.com.au/) Ready to work with us directly? (https://dashdot.as.me/discoverycall)   If you liked this episode, please don’t forget to subscribe, rate, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

Have you ever found yourself looking at someone else's “success”, like a big property portfolio or a nice car... And thought…“Why haven’t I been able to do that?” When you compare your accomplishments with other people’s, does it make you feel inadequate or inferior? Or, do you rely on social ‘likes’ and number of followers to feel good about yourself? If so, this episode will definitely make an impact. You see, you have to understand that in order to attain true happiness and success, you have to stop feeding your ego with these metrics… And realise that if you play the comparison game, you’ll never be content.   Today, we have a meaningful, eye-opening episode that will help you start focusing on what matters… We talk about the ego metric and why you need to examine it...Where to seek fulfillment in life...Why you are the hero of your own story...And heaps more. See you on the inside!   In this episode, we cover: What is an ego metric and why does it matter? [08:01] ‘Better’ is a qualitative piece you need to define [11:14] Ego metrics are addictive and leads you to chase the wrong goals [15:00] You won’t know if you’re doing good if you don’t measure [17:48] How to know if your goal is a healthy goal [20:38] To know if your goal matters, you need to understand the ‘why’ [22:36] Why don’t people dig beyond the ego metric? [27:27] Fulfillment comes from the inside [30:15] No one else is keeping score of your own life [32:08] You’re the biggest hero in your own story, not someone else’s [33:45] People get self-conscious because of their inherent nature for prejudice [35:18] We’re all running towards something, but no one else is running with us [36:58] You can become your own champion [38:03] Time well-spent gives people the most happiness [40:13] If you play the comparison game, you will never be happy [42:06] The key to happiness is to know you’re doing your best [44:21] There’s no force on Earth that’s more damaging than the opinions of others [46:03]   Link/s from the show: Hooked - Nir Eyal (https://www.amazon.com/Hooked-How-Build-Habit-Forming-Products/dp/1591847788)    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 many times have you put off making an investment decision, because there is “something just ahead”? Or said to yourself “If I just wait ‘til after (insert made up excuse here), then it will be the PERFECT time to invest...”Only to find yourself a month, 6 months, or even years down the line having never taken action. Did you find yourself worrying about the property market during Q2 of 2020? Perhaps right now, you’re still waiting until things get better before investing again... But what if I told you that despite predictions and claims by property pundits, the Australian property market remains strong? You see, the “fiscal cliff” is indeed a lie.    Today’s episode features Terry Ryder, property expert and Australia’s leading real estate researcher. We’ll be talking about the gross inaction of some property investors…What actually happened in the last quarter...Vacancy rate differences between this year and the last...And heaps more! We’ll also touch on dominant trends to look out for when making real estate investment decisions. See you on the inside!   In this episode, we cover: Investors think that by doing nothing, they are doing the right thing [05:51] The ‘pandemic’ of gross inaction [08:20] What happened during the last quarter? [10:25] Property prices in the 90s recession [13:19] Australia is one of a few countries that avoided the recession during the global financial crisis [18:27] What is the September cliff? [21:05] Predictions are based on the assumption that everything stays the same [23:37] Risks in the property market [27:49] This is the time for an opportunity [30:42] There’s not much change in the vacancy rates since last year [32:05] Rents are up, vacancy rates are down [35:05] Look out for the dominant trends in the property market [37:57] The beauty of geographic arbitrage [41:03] Other drivers in the property market [45:43] Property market boom in Brisbane [47:50] Seize the opportunity [50:24]   About Terry Terry Ryder is the director and founder of Hotspotting.com.au, helping Aussies achieve the “Great Australian Dream” by providing quality research on real estate properties. Previously the editor at The Courier-Mail and currently a regular real estate columnist for The Australian, he has extensive knowledge on the real estate market and its behavior over the past few years. He has authored four real estate books and has ultimately become a household name for property investors.   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, rate, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.