Leverage - Can You Pass The Sleep Test?

Source: www.weirdomatic.com

Post by Garry Macdonald of Property Buyers Australia

Last week, we discussed the concept of leverage (using other people's money or debt) and how it works.

This week we'll consider the advantages and disadvantages of leverage.

 

Some of the advantages of incurring debt include:

It provides leverage and therefore facilitates the purchase of  investment real estate with minimum cash outlay. 

Debt enables you to continue purchasing investment property using a minimum of your own cash (subject to meeting the financial institution's criteria).

Because you are outlaying a minimum of your own cash, the 'cash on cash' return on investment is potentially much higher. 

'Cash on cash' return simply means the profit you make compared to the amount of cash you needed to outlay

 

Some of the disadvantages of incurring debt include:

Increased risk as a result of using OPM (other people's money)...the higher the borrowings (debt), the higher the risk. 

You need to be very careful when setting up your business structure.

"You must be able to 'pass the sleep test'...you must be comfortable with your level of borrowing and be able to sleep at night."

 

You should seek professional advice from your accountant and/or solicitor to maximise your return and minimise taxation.

Large amounts of debt often create stress. 

You must be able to 'pass the sleep test'...you must be comfortable with your level of borrowing and be able to sleep at night.

There is a risk, albeit small, that housing values will fall and therefore you will be stuck with high debt levels on a reducing capital asset value.

You can minimise this risk by doing your research prior to purchase.

There is the risk of interest rate increases which increases your monthly loan commitments.

Prior to purchasing investment property you should ensure your debt levels are manageable.

Your initial calculations should factor in interest rate increases - we always factor in a potential 1.0% to 1.5% interest rate increase.

 

Good debt and bad debt

We have already defined debt as money borrowed.

However we now need to distinguish the two types of debt.

Good debt - refers to money borrowed for the acquisition of assets.

In other words good debt allows us to acquire things that will generate income and/or increase our net worth, eg borrowing to purchase quality real estate.

Bad debt - refers to money borrowed for the acquisition of liabilities.

In other words bad debt allows us to acquire things that neither generate income nor increase net worth.

In fact bad debt does the exact opposite to good debt.

"A wise man learns by the mistakes of others, a fool by his own"  Latin Proverb

 

We've made many mistakes over the years AND we've learnt from those mistakes.

Remember, one way or another you will pay for your education...either by making mistakes and paying BIG TIME OR hiring someone who is already successful and learning from their mistakes.

The later is much quicker and safer AND that is what we do.

 

We would love the opportunity to discuss how we can help you build wealth in a low risk environment far more quickly than you ever thought possible. Call our office now on 1300 507 559 or simply drop us an email info@yourpropertybuyer.com.au and we'll arrange for a free no obligation discussion.

Here's to your property investing success!

 

Want to learn more? Get your free 10 DAY PROPERTY INVESTMENT MINI-COURSE straight to your inbox:

Name:

Email:

Next step: Check us out Facebook and join the discussion!

Garry lives on the sunny Gold Coast in Queensland with his wife and two children. Garry is a business man committed to helping other achieve their financial goals.

Garry and the team at Property Buyers Australia are excited to announce thier new Virtual Buyers Agent service designed to provide sound analysis to ensure you buy the right property in the right location at the right price. Check it out here.

 

Leverage What?

Source: www.heatherforsenate.com/

Post by Garry Macdonald of Property Buyers Australia

 

What Is Leverage?

The Macquarie Dictionary defines leverage as the action of a lever...power of action, means of influence.

One of the issues that serious investors must come to grips with is the concept of creating leverage. Debt facilitates leverage. 

Leverage is the use of other people's money (OPM) to enhance your ability to build wealth. In the case of real estate investing, leverage is facilitated by financial institutions (banks, building societies, etc).

Your Choice To Borrow Other People's Money

Our parents always told us to buy a house and pay it off as quickly as possible...owe nothing to anyone.

Paradoxically, there are very few people in the world who possess sufficient cash to be able to purchase real estate without borrowing money. 

We are therefore left with a choice: to borrow (and therefore incur debt),  or not to borrow (and therefore not incur debt).

Prior to making this choice, bear in mind that choosing the latter (not to incur debt), will very likely have a significant impact on your ability to build wealth.

Provided you consult your professional advisors, carry out the necessary research and buy well, it is recommended that you utilise OPM.

 This enables you to both purchase more real estate and increase your 'cash on cash' return (ie the investment return on the cash you outlay).

Applying For A Loan

When you apply for a loan there are fundamentally three criteria that most financial institutions consider:

1. Serviceability - this reflects your capacity to repay the loan.
2. Loan to Valuation Ratio (LVR) - refers to the amount of security you have. 
3. Credit History - your history of borrowing and repaying is maintained on a data base with organisations called credit bureaus. 

 

Financial institutions will have a set of well established criteria based on the above that you must satisfy.

You will find however, that as you develop a positive, longer term relationship with financial institutions and prove that you are capable of managing your property investment business, most financial institutions tend to become a little more flexible.

You should always remember however, that financial institutions are required by legislation to ensure they act responsibly when lending.

"Money isn't everything but it's a long way ahead of what comes next"  Sir Edward Stockdale

 

Next week, we'll consider some of the advantages and disadvantages of leverage. 

 

If you would like to discuss your property investment options and how we can work with you to ensure you achieve financial freedom in the shortest possible time while minimising your risk, drop us a line at info@yourpropertybuyer.com.au or call our office on 1300 507 559 and we'll arrange a convenient time to identify and discuss your property buying options.

 

Here's to your property investing success!

 

Want to learn more? Get your free 10 DAY PROPERTY INVESTMENT MINI-COURSE straight to your inbox:

Name:

Email:

Next step: Check us out Facebook and join the discussion!

 

Garry lives on the sunny Gold Coast in Queensland with his wife and two children. Garry is a business man committed to helping other achieve their financial goals.

Garry and the team at Property Buyers Australia are excited to announce thier new Virtual Buyers Agent service designed to provide sound analysis to ensure you buy the right property in the right location at the right price. Check it out here.

 

We've Found The Holy Grail And It Starts With An 'R'

Source: www.moviefanatic.com

Post by Garry Macdonald of Property Buyers Australia

Reasearch, reasearch, reasearch!

Nothing sets you up for a wrong turn in property investing better that not doing your homework. There are many valuable resources available to property buyers and investors. This week, we're sharing our favourites with you!

Residex

The Residex 'Top 100 Postcode Predictions' and/or the 'Best Rent Report' (preferably both). We've found these reports to be extremely valuable investments and quite accurate. 

Use these reports to help establish the median (middle) price for properties in that post code and buy at, near or under the median price.

Be aware that you need to conduct your own research into specific areas - don't just rely on Residex (or any other) Reports. 

Subscriptions

Subscribe to Australian Property Investor Magazine AND Your Investment Property Magazine.

We recommend you subscribe to them both because they provide enormous amounts of valuable information for minimal cost.

Hotspotting

Terry Ryder's Hotspotting Reports - Terry is a well credentialed and respected property investor and researcher.

The various Hotspotting reports are very thorough and provide invaluable information about specific locations.

Due Diligence

Carry out due diligence (research) by visiting the location, drive around to get a feel for the area and watch how quickly 'For Sale' signs go up and come down.  Contact a number of real estate agents in the area to confirm that the asking price is around the median (middle) price range and check the median price for the area on your Residex report.  

Proximity to amenities

Notice how close the property is to amenities such as schools (families are reluctant to up-root their children), transport, shops, jobs, café's, universities, hospitals, etc.

Future Developments

Look for infrastructure development. Where government is developing or proposing to develop roads, parks, schools, shopping centres, etc., this usually provides a strong indication that people will move into the area which results in increased demand for property.

There are also many other valuable sources of research available...no doubt you will find your favourites as you continue investing.

"Research is cheap if you want to stay in business, expensive if you don't" Anon

Here's to your property investing success!

Garry lives on the sunny Gold Coast in Queensland with his wife and two children. Garry is a business man committed to helping other achieve their financial goals.

Garry and the team at Property Buyers Australia are excited to announce thier new Virtual Buyers Agent service designed to provide sound analysis to ensure you buy the right property in the right location at the right price. Check it out here.

Want to learn more? Get your free 10 DAY PROPERTY INVESTMENT MINI-COURSE straight to your inbox:

Name:

Email:

Next step: Check us out Facebook and join the discussion!

 

The Secret Of Success Is To Know Something Nobody Else Knows

Source: wedetectives.com

Post by Garry Macdonald of Property Buyers Australia

Success is based on knowledge and knowledge is based around self-education and a process of continuous learning. So let's have a closer look at the concept of success, bearing in mind success means different things to different people.

Non-negotiables For Achieving Success

Education

Start learning and never, ever stop - education can be gained either formally (via TAFE, University, etc) OR informally (via the University of 'Real Life') by attending seminars, workshops, reading relevant magazines and books.

Gain an understanding of basic economics - particularly the fundamental concept of demand and supply - when demand exceeds supply, prices increase AND when supply exceeds demand, prices decrease.

Dedication

Be consistent and persistent - never give up. Most folks give up when they are very close to success. It is not how often you get knocked down that matters, it's how often you get back up.

A Mentor

Find a Mentor - someone who has achieved OR is well on their way to achieving precisely what you want to achieve. Finding a good Mentor is the most difficult thing to do BUT great Mentors are around - if you have to pay someone to mentor you, provided the person is genuine, it is well worth it..

Taking Action

Act - many folks fail to achieve simply because they never take action. They spend weeks, months and even years learning and preparing for success BUT (mainly due to fear), never take action. As we say: 'all your ducks will never line up BUT there comes a time when action is required'.

I mentioned above that we do offer mentoring BUT only to those folks who are seriously committed to move forward and wish to 'go to the next level'. Financial independence is achievable AND it is not difficult when you have someone guiding you each and every step of the way.

Flick us an email now info@yourpropertybuyer.com.au and we'll contact you to arrange a free no obligation discussion about how we can help.

 

"Education is learning what you didn't even know you didn't know"  Ralph Waldo Emerson

 

Here's to your property investing success.

Garry lives on the sunny Gold Coast in Queensland with his wife and two children. Garry is a business man committed to helping other achieve their financial goals.

Garry and the team at Property Buyers Australia are excited to announce thier new Virtual Buyers Agent service designed to provide sound analysis to ensure you buy the right property in the right location at the right price. Check it out here.

Need more actionable advice? Get your free weekly "to-do" list, straight to your inbox:

Name:

Email:

Next step: Check us out Facebook and join the discussion!

 

You Just Can't Have Everything, OR Can You?

Post by Garry Macdonald of Property Buyers Australia

A fundamental concept of investing is the "risk/return/capital growth" equation. We like to think of it as a triangle.

There is one thing of which we can be certain...it's extremely unlikely that we can achieve low risk, high return and high capital growth simultaneously.

If the return on an investment is high, we should never be mislead into thinking that risk will be low and capital growth will be high. You have probably heard the old cliché if it sounds too good to be true, it probably is.

 

"If it sounds too good to be true, it probably is."

 

It is important for us to remember that the main game is building wealth. We must therefore rank the three components of the triangle. 

1. Managing Risk

Number one in the ranking is protect our capital (ie the money we have available to invest). We do this by effectively managing risk. If we do not implement risk management strategies, we have a much higher chance of loosing our capital. If we loose our capital, we may not be able to continue investing. Risk management involves appropriate ownership of assets, putting in place relevant insurance protection and diversification.

 

2. Capital Growth

Number two is capital growth (ie ensuring the value of our assets increases) because without it, we are less likely to become wealthy. Maximising capital growth requires significant research, planning and subsequently buying the 'right' property.

 

3. Returns

Number three is return...in our case this means the amount of rent we receive in comparison to the price paid for the property. For example if the rent we receive is $300 per week ($15,600 per year) on a property purchased for $300,000, our gross return is 5.2% per year ($15,600 as a percentage of $300,000).

Please don't misunderstand that by ranking the components of the triangle, we are diminishing the importance of return. Rent is the life blood of an investment property.  Without it, our property investments will not survive. We do however, rank capital growth higher because it is critical to wealth building.

 

If you are serious about achieving your financial goals, procrastinate no longer...give us a call on 1300 507 559 OR drop us an email info@yourpropertybuyer.com.au and you'll discover just how easy it can be. We're happy to meet with you for a free no obligation chat and explain how we can help AND we will not do the 'hard-sell' OR stalk you afterwards.

 

"To win you have to be willing to risk some loss."

 

Here's to your property investing success.

Garry lives on the sunny Gold Coast in Queensland with his wife and two children. Garry is a business man committed to helping other achieve their financial goals.

Garry and the team at Property Buyers Australia are excited to announce thier new Virtual Buyers Agent service designed to provide sound analysis to ensure you buy the right property in the right location at the right price. Check it out here.

Need more actionable advice? Get your free weekly "to-do" list, straight to your inbox:

Name:

Email:

Next step: Check us out Facebook and join the discussion!

It's all in the numbers

This week we're going to demonstrate how to prepare a cash budget. A cash budget is a prediction of all cash coming in and all cash going out (resulting in a 'net cash' position) and is essential if you are going to achieve your property investment goals.

The cash budget provides you with essential knowledge about what you earn and even more importantly, what you spend. 

 

It is not what you earn that is important, it is what you do with what you earn.

One of the objectives in preparing a cash budget is to establish how much you can afford to pay yourself before paying anything else. In other words, you need to know how much you can set aside for saving/investment each week. This requires self-discipline.

Once you establish how much you are going to set aside for investing, you must do this first every time you are paid or receive money. Do not think about what you might spend this money on...the money is not for spending, it is for saving.

This is an essential part in developing the required self-discipline to building true wealth. Do not put it off, commence saving immediately. Remember procrastination is a major cause of failure.

 

"Remember procrastination is a major cause of failure."

If you are going to achieve true financial independence, you need to adopt a new investment paradigm by putting aside money to invest first rather than adopt the traditional approach where you invest what is left after paying your bills...and of course, this usually amounts to zero.

If you've read 'The Richest Man in Babylon' (if you haven't, you MUST), you'll remember Clason's first and second cures for a lean purse: 

 

"Start thy purse to fattening and control thy expenditure." - George S. Clason

The most effective way to ensure you understand the process of preparing a cash budget, is to prepare one. When preparing your cash budget you should put together a list of cash outgoings first.

You should then split outgoings (or expenses) into "variable" (ie expenses that change all the time, eg the cost of water is based on the amount we use and that changes consistently) and "fixed" (ie expenses that do not change, eg the amount of rent we pay on a house). This allows you to analyse the results more effectively. It is more likely that variable expenses can be reduced or controlled.

Therefore once you complete your cash budget, you should look to reduce variable expenses first. After entering all cash coming in and all cash going out, you are left with the difference which represents the 'excess/deficit'. This is the amount of cash you have left over (the excess) or the amount you will over-spend (the deficit).

When preparing your cash budget be sure to include all expenditure - including that cappuccino each day. Now get to it and prepare your budget immediately.

 

"We think in generalities, but we live in detail" - Alfred North Whitehead

Here's to your property investing success.

 

 

Garry lives on the sunny Gold Coast in Queensland with his wife and two children. Garry is a business man committed to helping other achieve their financial goals.

Garry and the team at Property Buyers Australia are excited to announce thier new Virtual Buyers Agent service designed to provide sound analysis to ensure you buy the right property in the right location at the right price. Check it out here.

Need more actionable advice? Get your free weekly "to-do" list, straight to your inbox:

Name:

Email:

Next step: Check us out Facebook and join the discussion!

You Are What You Think

Post by Garry Macdonald of Property Buyers Australia

Have you ever wondered why some folks achieve success while others 'waller in the depths of despair' - AND before you say it, YES at times there are circumstances that are beyond our control.

 

It's all in your mindset

However, while we may not always have total control over the events in our lives, we do have control over how we respond to them, it's called taking responsibility -- we have the ABILITY to RESPOND to these events in any way we choose.

The easiest possible (and it appears the most common) response, is to accept your fate - based on the cards you're dealt - however success is not reflected by how many times you get knocked down BUT how many times you get back up.

Achieving massive success in property investment is no different to achieving success in any other field of endeavour -- it all starts with a paradigm or mind set. 

"Success is not reflected by how many times you get knocked down BUT how many times you get back up."

Success is achieved through many things, not the least of which include persistence, consistency and ongoing learning. However if your mindset is such that you believe you can't do it, guess what...you are right!

 

Developing your "success mindset"

The BIG question then is...if we don't already have a success mindset, how do we change it? Unfortunately we have no definitive answer - we do however have some very strong suggestions - these are the things that have worked for us:

1. Hang around successful people or people who already have a success mindset 
2. Read bio's of successful people on an ongoing basis 
3. Attend seminars and workshops to learn all you can AND
4. Get a mentor - someone who has already achieved some level of success in their chosen field

With commitment and perseverance we can achieve anything. So go ahead and set your goals and do not listen to those who say it can't be done. If you believe it and take action, you will achieve it.

In the mean time, if you doubt what I'm saying, have a look at this YouTube video - which proves there are no excuses. If you've seen it before watch it again.

Next week, we'll discuss financial planning or budgeting. If you think the subject of numbers is boring, then I guarantee you will change your mind when you see the results.

Until then if you would like to speak with us about how we help folks like you and families just like yours achieve financial security in a low risk environment that enables you to retire far earlier than you ever thought possible, simply email us at info@propertybuyersaustralia.com.au  OR  phone our office on 1300 507 559.

"The greatest discovery of my generation is that human beings can alter their lives by altering their attitudes of mind" - William James

Here's to your property investing success.

Garry lives on the sunny Gold Coast in Queensland with his wife and two children. Garry is a business man committed to helping other achieve their financial goals.

Garry and the team at Property Buyers Australia are excited to announce thier new Virtual Buyers Agent service designed to provide sound analysis to ensure you buy the right property in the right location at the right price. Check it out here.

Need more actionable advice? Get your free weekly "to-do" list, straight to your inbox:

Name:

Email:

Next step: Check us out Facebook and join the discussion

Failing To Plan Is Planning To Fail

Do you know the importance of planning?

When we talk about planning, we're referring to goal setting. Yes we know, it's all just too hard. BUT do you understand how important it is to know where you're heading? One of our favourite 

quotes is from Alice in Wonderland:

'If you don't know where you're heading, then any road will get you there'.

We're going to assume you understand the importance of goal setting and move onto describe the approach we take. 

 

Step1: Identify five categories that are important to you.

Our five categories are:

* Family and Relationships

* Work/Business

* Financial

* Healt

 

h and fitness

* Charity

 

Step 2: Write down one S.M.A.R.T. goal under each category. 

S.M.A.R.T. is an acronym for Specific, Measurable, Achievable, Relevant and Time-bound. Here is an example of a S.M.A.R.T. business goal: 

On or before 31 December 2011 my business turnover will be $600,000. I will achieve this by providing the very best residential real estate buyers agent service in the industry. 

This goal is Specific (eg residential buyers agent service), it is measurable ($600,000 turnover), I have done the forecasts and it is Achievable, it is Relevant to our families personal goals AND it is Time-bound (on or before 31 December 2011).

 

Step 3: Monitor the progress of each of your goals.

This will determine if you need to change strategy or maybe even re-evaluate your goal. 

Now it's your turn. Go ahead and identify five categories that are important to you. Then establish one S.M.A.R.T. goal for each category. As you do this, you must commit to do what ever it takes to achieve your goals - otherwise the exercise is pointless. 

Over the ensuing 12 months, monitor your progress. If you need a hand, drop us an email at info@propertybuyersaustralia.com.au.

Next up, we'll discuss the importance of having the correct mindset AND some tactics to make the change.

"Goals are the fuel in the furnace of achievement" - Brian Tracy, Eat that Frog

 

Here's to your property investing success.

Garry lives on the sunny Gold Coast in Queensland with his wife and two children. Garry is a business man committed to helping other achieve their financial goals.

Need more actionable advice? Get your free weekly marketing "to-do" list, straight to your inbox:

Name:

Email:

Beware FALSE Claims Of Positive Cash Flow

As the real estate market appears to be 'bottoming-out', claims about cash-flow positive property are becoming more prevalent. A timely WORD OF WARNING -- don't believe them.

We always 'do the numbers' and can tell you (more often than not), claims of positive cash-flow are totally unfounded.

One thing to bear in mind is that everyone's personal circumstances are different. You need to consider such things as your marginal tax rate (the highest rate of tax you pay), the legal structure within which you are purchasing (your own name, a company or trust) AND when the particular property was built (this will impact your depreciation).

The other issue is the confusion surrounding the definition of 'positive cash-flow' - of which there are many. We suggest you have your Accountant look over the numbers before you purchase.

REAL ESTATE WARNING!

Property Buyers Australia

Don’t make the most expensive mistake of your life…

 

Any industry where there is money to be made, attracts underhanded scammers and rip-off merchants. Unfortunately the real estate industry is ‘rife’ with them.

 

If you’re considering purchasing property, we’ve developed a unique to the real estate industry service that will help save you thousands of dollars and prevent you from becoming a victim. It’s called ‘Virtual Buyers Agent’ AND as an introductory offer you can save over 46% on this priceless service. Simply click the following link to find out more: http://www.propertybuyersaustralia.com.au/pages/Virtual_Buyers_Agent.html

Spring Is A Great Time For Property Buyers BUT Not For Sellers

Thought you might be interested in the latest comments from Terry Ryder (www.hotspotting.com.au)...

 

The arrival of Spring brings with it the usual rhetoric from agents about this being the best time to sell – with auctions, of course, the best method.

There’s no evidence that Spring is any better than other seasons for vendors – and last year Spring was the weakest selling market of the year.

But many people accept the propaganda about Spring and so we are likely to see even more properties for sale across Australia.

We already have more homes for sale than at any time since early 2009 and the number has risen steadily this year.

The over-supply of homes on the market, coupled with the lukewarm interest from buyers, explains why capital city prices (on average) have fallen this year.

All this adds up to opportunity for property investors. The current buyers’ market is set to favour buyers even more, as people list homes for Spring. With interest rates stable and the coming resources construction boom set to re-ignite the national economy, Spring shapes as a good time to buy but a lousy time to sell.

 

Terry’s commentary supports our opinion that there are some fabulous buying opportunities right now.

If you're even considering purchasing real estate, we have introduced a new service that is totally unique to the real estate industry -- it's called Virtual Buyers Agent.  DO NOT buy before you check out this amazing new service -- it could save you from making the biggest financial mistake of your life!  Go to http://www.propertybuyersaustralia.com.au/pages/Virtual_Buyers_Agent.html

Cheers

Garry

9 Questions You Must Ask Before You Become A Property Buyer

One way or another, everyone is involved in the real estate industry – either as tenants, home owners or investors.  Here are 9 questions you might consider asking prior to taking the plunge into the most significant purchase of your life:

1. How can I profit from this investment? 
2. What are my risks? 
3. What form of insurance do I need in place? 
4. What name or structure should I purchase the property in? 
5. How can I improve the profit potential? 
6. If I need to sell, what is my exit strategy? 
7. Can I afford the property if things change, eg interest rates increase?

8. What type of loan should I take out?

9. What does my accountant and solicitor say about tax/legal

     Implications?

This is by no means a comprehensive check list but is designed to cover most of the issues which arise in property investing.

A New Definition For ‘Bank’ – totally out of touch

There is a new definition for the word ‘Bank’…out of touch, uncaring and greedy!  OR maybe it’s not so new.  If you read the media release issue by the Reserve ‘Bank’ (click the link below), it goes to prove just how out of touch these people are.  The media release reads like a university lecture in Economics 101.  What these people fail to address is existing ‘real world’ implications – the increasing struggle of many folks just to maintain mortgage payments (let alone the impending increase).  AND this has a follow-on impact on all of us. 

http://www.rba.gov.au/media-releases/2010/mr-10-26.html

 

Untitled

 "We Are Out To Save The World"

 

From unscrupulous, unlicensed, sleazy Property Sprukers

PLUS

We'll show you how to achieve high capital growth AND strong cash flow

 

Join us at our upcoming "High Capital Growth AND Cash Flow - Save The World Live Training Event" where we'll reveal how to buy low risk residential real estate with high returns - both capital growth AND rent...AND the property is in great suburbs of Sydney.

Training Event Details:

Date: Wednesday 4 May 2011

Start Time: 6:30pm registration for a 7:00pm start

Finish Time: Around 9:00pm

Venue: St George Leaguse Club

Cost: $29 per single OR $39 per double  *All profits donated to the New Zealand Earthquake Appeal

 

To register go to www.ifyl.com.au OR phone our office on 1300 507 559.

Untitled

"We Are Out To Save The World"

 

From unscrupulous, unlicensed, sleazy Property Sprukers

PLUS

We'll show you how to achieve high capital growth AND strong cash flow

 

Join us at our upcoming "High Capital Growth AND Cash Flow - Save The World Live Training Event" where we'll reveal how to buy low risk residential real estate with high returns - both capital growth AND rent...AND the property is in great suburbs of Sydney.

Training Event Details:

Date: Wednesday 4 May 2011

Start Time: 6:30pm registration for a 7:00pm start

Finish Time: Around 9:00pm

Venue: St George Leaguse Club

Cost: $29 per single OR $39 per double  *All profits donated to the New Zealand Earthquake Appeal

 

To register go to www.ifyl.com.au OR phone our office on 1300 507 559.