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https://www.youtube.com/watch?v=tuz3m5upSy4 Some experts claim there is an ideal percentage of renters in a suburb vs owner occupiers. But what does the data actually say and what is the best % of renters in the suburb we are investing in? Select Residential Property DSR Data Read this article: https://selectresidentialproperty.com.au/busting/whats-the-ideal-tenant-to-owner-mix/ 0:00 - Introduction1:00 - Why people speculate that this is important3:25 - What does the data say (2 years)5:30 - 7 years of data5:50 - 12 years of data6:33 - Is this something to consider for suburb growth?9:00 - Why might this happen?11:10 - How to find % of renters in an area Recommended Videos: Property Data Dive Series Why Population Growth Does NOT Predict Capital Growth (Data Dive) Transcription Ryan 0:00Some experts claim that there is an ideal percentage of renter's in a suburb versus owner occupiers where you want to invest in suburbs that have just the right amount of renters and just the right amount of owner occupiers. And not one way or another, that it's going to give you, you know, the best chance of renting your property and the best chance of selling your property. But what does the data actually say about what is the best percentage of renters? Do we want a high percentage of renters? So there's lots of people in the area to rent out property? Do we want a low percentage and mostly owner occupiers, which means there might not be as rental properties in the market? Is that going to be hard to then rent out the property? How does all this affect us? So today, I've got with me, Jeremy Shepherd from select residential property to talk through the data and to say, Okay, what does the data say about percentage of renters versus the growth that an area is likely to help? So thanks for coming on today, Jeremy, Jeremy 0:56thanks for having me on your show. Right. Ryan 0:59Okay, so what does the data tell us about this Goldilocks zone of just you know, the right amount of renters? I think, if I've ever heard it, which I don't know if I have, but it would be like around that kind of 20 to 30 35%. Mark, and then people say, you know, anything that's too high renters is probably not good. Jeremy 1:20Yeah. Well, there's there's an argument where you say are too high renters means? There aren't enough owner occupiers taking better care of their property. There's too many other landlords you competing with over the over the other, the tenants available. And then the opposite is some people are arguing. Well, if there are no tenants there, how do we know that that anyone wants to rent there. But that's really just a case of, there's no supply of rental property, I would much prefer to buy in a location where, where there are no other landlords I'm competing with. But anyway, that's all very good data, we Ryan 1:56heard from at least one expert in the field that has said you want to target suburbs with this range of renters. And you don't want to look in suburbs that have really low percentage of renter's because it can be hard to rent out your property. And I remember looking at that thinking, I don't know about that video that you and I have done on population growth versus capital growth. And the fact that, you know, population growth just kind of indicates the supply that already is existing and has been built over time, because people are waiting in the streets in order to move into a suburb or anything like that. If there's no houses there for them to move into. So when I think about rental demand in a market, I don't really look at percentage of properties that are rented, I would look at vacancy rates in the area. And I would think if there's less rental properties available, assuming the area still has good fundamentals, then you know, I I'd rather that area, because then you're the only rental property. And so Jeremy 3:00right. Yeah, exactly. I mean,

https://www.youtube.com/watch?v=YveECmSbbNY In order to get the best return on investment we are told to invest in the right suburb so over the long term they will outperform other suburbs over the long term. But what I'm starting to see is that a lot of suburbs tend to perform extremely similar over the long term. Read this article: https://selectresidentialproperty.com.au/busting/apples-oranges/ Select Residential Property DSR Data 0:00 - Introduction0:58 - How comparing apples to oranges applies to property investing2:08 - Why doesn't extreme growth disparity happen?4:40 - Chance of better than average capital growth over the long term8:35 - The positives and the negatives of above average growth being hard to achieve9:25 - How can we get above average returns as an investor13:00 - Differences between 1 year, 5 years, 10 years and 25 years growth14:43 - What are the chances of picking a high performing market over 15 years vs 5 years16:40 - Can you determine high performers over the long term (30 years)19:10 - Radical vs marginal difference in price Recommended Videos: Property Data Dive Series Does Past Growth Predict Future Growth? (Property Data Dive) Good Schools and Amenities DON'T Create Capital Growth! SHOCKING RESULT! Transcription Ryan 0:00In order to get the best return on investment and achieve our property investment goals, we're told to invest in the right suburbs so that over the long term, they're going to outperform other suburbs. And you're going to end up you know, so much richer than if you purchased in the wrong suburb. But what I'm saying to say what image Jamie Shepard from select residential property is that a lot of suburbs in general, tend to perform very similar over the long term that yes, in the short term, there can be big disparities between suburbs. And there can be value in you know, picking your suburbs for the short term. But when you start stretching it out to 20 3040 years, a lot of these suburbs especially the choosing suburbs, with good fundamentals tend to perform extremely similar. So I guess this is kind of looking at short term versus long term investing. And Jeremy has got a great metaphor and analogy that can help us understand this, which is the concept of purchasing apples and oranges. So do you want to lead us into that, Jeremy? Sure. Jeremy 1:03Thanks. Thanks, Ryan. Thanks for having me on your show. No, all right, let's say you walk into a fruit shop 100 years ago, and there's a crate of apples, and there's a crate of oranges. Now assume that the apples were one cent each and the oranges were two cents each. If the apples grew at a rate of 4% per annum, whilst the oranges grew at a rate of 8% per annum, then after 100 years, an apple would cost you 50 cents. And an orange would cost you $44. Ryan 1:36Okay, imagine the beginning. Did I just start out at two cents? Did you say Jeremy 1:40yes, oranges for two cents. Ryan 1:43So in the beginning, oranges were worth twice as much as apples. And then in the end the end after 100 years, if they continue to have this disparity, and they grow the 4% apples versus 8% oranges in 100 years time, the owners are now worth 88 times more than apples. But why? Why doesn't this happen? Jeremy 2:05Okay, well imagine walking into a fruit shop right now and you've got a hankering for some fruit. You're looking at apples 50 cents each, or oranges $44 each. You just you'd have to be mad keen on oranges to spend 44 bucks on one. Right? So Ryan 2:23that week, most people wouldn't spend $44 on oranges. I don't know if you remember years ago, when there was the banana shortage $3 for a banana? I remember going months without a banana and then going in and just buying one banana. Jeremy 2:40Again, well, I guess yeah, it all comes down to supply and demand. Ryan 2:43I guess during that time period, I bought way less bananas than I would buy now when they're really cheap.

https://www.youtube.com/watch?v=T10DA4fZUO8 I might be able to buy my first investment property in the next couple of months. I am finally saving my first house deposit. It has been a long journey and this episode I want to take you on a journey of the property deposits I have saved in the past. But why didn't I buy property in the past and what am I doing to save my deposit today? Book a Free Property Strategy Session - https://onproperty.com/strategy 0:00 - Introduction1:33 - Where I'm at now2:22 - My 1st Deposit (Age 16)5:21 - My 2nd Deposit (Age 25)8:47 - My 3rd Deposit (Age 28)12:05 - My 4th Deposit (Age 31)18:58 - Getting Out of Debt21:55 - Saving My 5th Deposit23:39 - Do I Regret Not Buying Property In The Past?25:00 - It's Never Too Late To Get Into Property26:30 - Building a Large Portfolio27:32 - Property strategy session= Recommended Videos: I Lost Thousands in Cryptocurrency…Here's What I Learned How I Paid Off $100,000 of Debt in 2.5 Years Financially Free at 32…Again Transcription Ryan 0:00I might actually be able to buy a property my first investment property in just a couple of months, which is super exciting. I am finally saving my first house deposit. This is not the first deposit that I've saved, but Fingers crossed, this will be the one that will actually get me my first property. It is absolutely amazing what a difference a couple of years can make. In this episode, I want to take you on the journey of the deposits that I've saved in the past which I've actually saved quite a few and never purchased property. why I did that? Do I regret it? Because, you know, I could have purchased property probably around 15 years ago, which obviously would have grown But why didn't I What happened? And then what am I doing to save my deposit today. So grab yourself a tea or coffee or water and settling because it is storytime This is my journey. This has been a long journey and an arduous journey. But hopefully this will encourage you to go out there and to say that, even if it doesn't happen overnight, if we have a plan, if we strategize if we work towards it, we can get there eventually. And we can have an amazing life along the way, which I actually think is more important than buying the properties. I think the most important thing is having the amazing life, you buy properties as an insurance policy to give you financial freedom to give you choices in order to do that. So now I'm saving my deposit probably got around about the 15 to $25,000 put aside for property, I'm looking at buying something around about 350 to $450,000, with maybe a five to 10% deposit. So I probably need anywhere from around 17 and a half 1000 up to $45,000 for a deposit plus stamp duty and closing costs. So you're looking at another what maybe 1015 $20,000 in order to save for those closing costs. So I'm actually not too far away from purchasing my first property, hopefully in a couple of months. But let's go back and look over my life and see what got me to this point. Why haven't I bought property yet? What sort of things have I done along the way? So my first deposit was saved before I was 18. So I remember going driving out to Lythgoe with my dad at age 16 I had around $20,000 in cash, looking at properties around about the $100,000. Mark. So you're looking at 10 to 15% deposit plus closing costs there. I had the money in order to do that. So looking at those properties. The thing that was difficult for me at that time, being so young, only having a part time job was just serviceability, right. I couldn't get a loan in order to purchase these properties. And that really held me back at that time. I think if a bank was willing to lend a 16 year old $80,000 or $90,000, in order to buy a house, then I would have gone ahead and done that then and purchased a property in Lythgoe, what, 15 years ago, no, 17 years ago now. And we'll probably I don't know if I'd still own that property today.

https://www.youtube.com/watch?v=XSrDuSuILAs We are so often told that if we want the best capital growth our property needs to be close to amenities. Good school, train stations and shopping centers or other public transport are often touted as key indicators of future growth. But what does the data actually say about the affect of amenities on the capital growth of a suburb? The results from this one are extremely surprising. Read this article: Select Residential Property DSR Data 0:00 - Introduction1:40 - Key idea: Price has already factored in existing amenities, which does NOT lead to more growth4:00 - How expansion of Brisbane airport affected prices short and long term4:45 - Do train stations affect capital growth7:55 - Be careful of starting and ending points of statistics8:30 - Do school affect capital growth11:00 - How do beaches affect capital growth12:55 - How does proximity to shops affect capital growth13:58 - How does walkscore affect capital growth?21:24 - What do we do with this data?26:04 - Price variability over time Recommended Videos: Property Data Dive Series Transcription Ryan 0:00We're often told that when you're buying a property to get the best capital growth, the best return on investment, you want to look for properties that are close to amenities close to really good schools, close to shops and shopping centers, close to public transport. How many times have you heard people say, you know, this is a great suburb because it's got all of these factors in it. But as an investor, what we care about is the return on our investment, how much is that property going to grow? How is it going to perform? And so is this actually important? And today, I've got with me, Jeremy Shepherd from select residential property to actually dive through the data on this one, yes, it makes logical sense that we want these amenities there. But does the data actually back up this idea that this is going to lead to higher than average capital growth? So I'm excited for this on Hey, Jeremy, how I Jeremy 0:50can hire Ryan, Manuel, how are you? Ryan 0:52Yes, very good. I'm looking to buy a property in the very near future. And this is obviously something that I'm thinking about and considering when looking at suburbs is to say, okay, what's the suburb? Like? What are the schools like in the suburbs? have close to the shops have close to the transport, basically, trying to get an idea of, you know, why would people want to live here? And will they want to live here in the future? And does it have those desirable things, but I'm thinking you're going to tell me something different given? You've done the data analysis, and there's an article on this? Jeremy 1:26Yeah, good, good guess. Yeah, look, it's not a complete waste of time researching this sort of stuff. But there's, there's a very clear caveat to it. It's not automatic, that if you're buying in a suburb with good schools, shops, transport, all those amenities, that you're going to get above average capital growth. The key is whether that amenity is new or old. So the whole principle here is that if the suburb has all these great amenities, then it should be that properties in that suburb are very expensive, because this is a desirable place to live. But the price has already factored in the benefit of those amenities being there. Let's say for example, you get a new train station that comes into the suburb, what's going to happen is the suburb is now more desirable, people start paying more to have that, that benefit of being within say, walking distances, TradeStation. But after a few years, once it's factored into the price of properties in that suburb From then on, it's just it's business as usual, the capital growth carries on pretty much the same as any other suburb. So it's always a short term thing. And I did some research to look into some of these, these things like, like transport? Well, let's Ryan 2:49have a look.

https://www.youtube.com/watch?v=f3PVAUKovuQ Let's talk about bad debt and how to pay off debt. I'm so grateful to say I am FINALLY in a position where I am debt free and now able to save a house. But rewinding to 2-3 years ago that was not the situation I was in. I quickly got into around $100,000 worth of debt. Here's how I managed to pay it off in such a short period of time. 0:00 - Introduction2:05 - #1: Write Down ALL My Debts3:26 - #2: Accept Where You Are3:48 - #3: Write Down All My Assets To Know My Net Position4:20 - #4: Calculate Minimum Required Payments5:37 - #5: Cut Spending DRASTICALLY7:23 - #6: Increase Your Income10:20 - #7: Keep Expenses Low Even As Income Increases11:19 - #8: Create a Buffer Fund14:04 - #9: Have Great People Around You Recommended Videos: How I Got Myself Into Debt How I'm Paying Off Debt Transcription Ryan 0:00Let's talk about debt. Let's talk about bad debt. And let's talk about how to pay off debt. I'm so grateful to say that I am finally, finally, in a position that I am debt free and actually saving towards a deposit for a house. And I found out yesterday that I may actually even have most of my deposit ready and be able to go way faster than I thought. But if you rewind to about two, two and a half years ago, that was not the situation that I was in, I quickly got into a lot of debt, around $100,000 worth of debt once it was all tallied up. And let me tell you, that is a scary, scary figure. So in this episode, I want to talk about the things that I did to get out of such a significant amount of debt debt that was crippling debt that nearly sent me bankrupt. And so if you have bad debt and your life, whether it be as bad as me, or maybe just some credit card debt that you want to get rid of, what are some things that you can do to start to remove that debt, and actually get ahead in life? Hey, I'm Ryan from OnProperty, helping you on your journey to financial freedom. I'm currently at the beautiful garden falls on the Sunshine Coast. And it's taken me a lot of heartache, and a lot of hard work to get here. But I'm excited to share this story with you. I have been financially free through my businesses twice now been in extreme amount of debt and been able to pay that off. And I'm now saving towards my first property, which I should hopefully purchase this year. But if you're in this situation like I was in when you're in debt, how did I go about actually paying that off? and wiping that debt completely? Because I didn't do what everyone told me I should do. I actually tackled this my own way in a way that was true to myself. And I'm obviously really happy with the result having cleared that debt in just two years, but not just cleared it but also created financial freedom through my businesses, again in that two year period. So what did I do that was different? And what can you take away from this? Well, the very first thing that I did was actually sat down and wrote down all of my debts, I lived in denial for a little while thinking, Okay, now I just need to get by, I was going through a married separation. So there's a lot emotionally happening for me, I wasn't ready to write down my debts and deal with that. So I just kind of swept it under the rug, didn't think about it, and was just kind of going on in life. But one day, I remember sitting down in my dad's garage, which was my office at the time, line by line, I went through every debt that I owed from existing debt that I had payment plans on to money that I owed family members to future tax that I would have to pay, which I knew was debt that just wasn't quite jus just yet. I wrote it all down. And it was extremely overwhelming to realize that I was around $100,000 in debt, the exact figure I don't remember. But I do remember that feeling of looking at that and just being like, I am absolutely screwed. There is zero way that I can get out of this. What the hell,

https://www.youtube.com/watch?v=_lMnvaDCPQ0 We are often told to get the best capital growth we should buy the more premium and expensive suburbs and avoid the cheaper suburbs.People things suburbs are cheap for a reason and are going to stay cheap. But is this actually true? Do cheaper suburbs actually underperform compared to more expensive suburbs. Cheap Markets Are Not Under-Performers (Article Link) Select Residential Property DSR Data 0:00 - Introduction1:23 - Why are cheaper suburbs cheaper2:59 - Cheap vs Expensive Growth Australia Wide5:26 - Cheap vs Expensive in Regions7:00 - Cheap vs Expensive in Smaller Regions8:30 - Cheaper suburbs always perform better no matter which way you look at it9:05 - Cheapest vs Cheaper vs Dearer vs Dearest12:00 - Cheap vs Expensive in Major Capital Cities13:17 - Looking at Deciles15:00 - Looking at a 40 year period16:30 - Cheap vs Expensive Yield17:13 - Why buying cheaper properties could be better than more expensive properties Recommended Videos: Do Properties Near The CBD Actually Get More Capital Growth? (Property Data Dive) Transcription Ryan 0:00We're often told in order to get the best return on investment when buying property that we should buy the more expensive suburbs, the more premium suburbs with the idea being that people in the suburbs maybe have more money. And so I know property's going to grow faster. But what about cheap suburbs? People often think, okay, they're cheaper reason, and they're probably going to stay cheap. But is that actually true to cheap suburbs, underperformed compared to more expensive suburbs? Or is the opposite actually true? So today, I have with me, Jeremy Shepherd from select residential property to actually look through the data and to say, should we be investing in the more expensive suburbs? Or should we be investing in the cheapest other? So hey, Jeremy, thanks for coming on today. Jeremy 0:43Thanks for having me. Ryan 0:45Yeah, this one is really close to home at the moment, because I have saved my deposit, I'm looking to invest in the next few months, three to six months, and looking at different options in South Brisbane for me, but there's the cheapest suburbs, you know, kind of around $350,000 that I can get into with a lower deposit, or there's more expensive suburbs looking at 450 to 550, where obviously, I need a bigger deposit. And so I'm kind of arming an iron between the two. So it'll be interesting to go through this and to see, okay, what could be better? Jeremy 1:19Yeah, well, first of all, they don't underperform. So they're cheap for a reason is true. They are cheaper because they don't have all the nice things that the expensive suburbs have. But that doesn't mean that they underperform just being expensive, doesn't mean that you've had better capital growth. And I think that there's this mistake, mistaken belief that if a suburb is expensive, how did it get there, maybe it had better capital growth, but it's always been more expensive. And there's this correlation between proximity to CBD and higher prices for suburbs close to the CBD in the map, major capitals more expensive than the suburbs get. But they've always been like that they've always been more expensive. And as property investors were not interested in whether our properties is is cheaper, expensive, but whether it has a capital growth, that's the that's what we're after. Ryan 2:11And exactly right. Because let's say I'm going to invest a million dollars over the next couple of years into property or buy a million dollars worth of property, I could buy three for around, you know, $330,000 each, or buy two for 500,000, or one for a million. But what I hear at the end of the day is how much they go up in value. I don't care about the individual property price and its ROI. You know, I think one of the best videos we've done together is whether or not proximity to the CBD does correlate to higher capital growth.

https://www.youtube.com/watch?v=rk0Kl026uTU&ab_channel=OnProperty We are often told that if we are going to invest in property we want to find a suburb or street with low government housing. But is this actually true and does the data support this idea? Or can you invest in an area with high public housing and still get great growth in that area? Public Housing in a Suburb is No Big Deal Select Residential Property 0:00 - Introduction1:20 - Why this idea might be false5:08 - What does the data say?10:00 - Yield is not factored in11:25 - Something where there is a clearer trend13:30 - How to use data to build an investment strategy and predict where is likely to be good15:25 - Change in Gov housing vs capital growth Recommended Videos: How To Find Public Housing Hotspots In An Area Why Population Growth Does NOT Predict Capital Growth (Data Dive) Transcription Ryan 0:00We're often told that if we're going to invest in property, we want to find a suburb, we want to find a street with low public housing or low government housing, the idea being that if people own the properties that they're going to invest in them and renovate them, and the suburbs going to go up at a faster rate than other suburbs where that public housing in them are a higher percentage of public housing. But isn't this actually true? When we look at the data? Is this the trend that we say, Oh, can you actually invest in an area with public housing and still get great performance out of your property? So today, I have with me, Jeremy Sheffield, from select residential property to talk about this, to actually dive into the data I'm gonna answer once and for all, as to whether or not this has a big effect on future capital growth or not. So hey, Jeremy, thanks for coming on today. Jeremy 0:50Thanks very much, Ron. And thanks for giving me the opportunity to talk about this topic. Ryan 0:56This is something that has been talked a lot about in the community, there's a lot of experts out there who say to avoid public housing, and honestly, I can understand the reasoning behind it, avoiding you know, issues that can come with that lower socio demographic area, as well as the idea behind, okay, people own the mall owner occupiers, they're going to spend money painting their house and renovating it. And that could live the suburb as a whole. So what does the data actually say? Jeremy 1:25Well, the data suggests that there, it depends, is it there isn't really much in it. So it comes down to how long the social housing has been there. Let's say let's say a suburb is to host the new cities, sewerage treatment works, you can imagine that capital growth in that area is going to be diminished over over the following years. But eventually, that lack of capital growth, while the rest of the city suburbs are growing, eventually be factored into prices. And this is the thing over a long period of time, just about any sort of amenity or eyesore or advantage gets factored into the price of property. And from then on, it's it's business as usual. Queensland University of Technology did an interesting study about Brisbane Airport in in 1980, there was an expansion of Brisbane Airport, there was going to be a new flight path that was going to affect suburbs under that flight path. And for about four years, those suburbs had reduced capital growth. But then after that, it was it was business as usual. So it took four years for that negative amenity, to have an impact on prices, bring them back in balance. And from then on, it was his business as usual. So if your public housing has been there for decades, it is well and truly already factored into the price of property and is having no impact on capital growth. Ryan 2:57So what you're saying here is let's say we have an area that has a very low percentage of public housing, the government decides, okay, we're going to move a lot of public housing into this area increase the percentage...

https://www.youtube.com/watch?v=z2TkAOaidtg&ab_channel=OnProperty Experts often tell us that the more a suburb has grown in the past means that suburb is more likely to grow in the future. But is that actually true and does the property data back up this idea: High Property Growth History is a Red Flag Select Residential Property 0:00 - Introduction1:38 - Why the opposite might actually be true4:45 - What does the data tell us?9:50 - Last 10 years vs next 10 years12:15 - Applying this to cities and larger markets15:00 - Performance of significant urban areas over the last 30 years Recommended Videos: Why Population Growth Does NOT Predict Capital Growth (Data Dive) Transcription Ryan 0:00Experts often tell us that the more a suburb has grown in the path or a suburb with good growth history means that that's above is also likely to grow in the future. So does the past predict the future in terms of Southern growth? But is that is that actually true? Are we actually making these decisions based on data? Or someone just told us this and you know, general consensus has just kind of agreed to it and gone along with it. So today, I have with me, Jeremy Shepherd from select residential property, to look at the data behind this and say, okay, does pass growth actually predict future growth? Or could the opposite be true? And I absolutely love Jeremy, that you just take a super data approach to this. And you're happy to, I guess, come over the top with some, I guess, counterintuitive views on what may be happening here and just provide us with these knowledge bombs of insight. So super excited for this one. Jeremy 0:56Yeah. Well, thanks very much for having me. on your show, Ryan. And this is this is a topic that I I get a lot of heated arguments with, with experts about Yeah, so I'm always falling back on what the data says Show me. Ryan 1:10What is the premise here that the experts are saying, why why do they think that? If an area has grown Well, in the past, it's going to grow? Well, in the future? What is their reasoning? Do you think? Jeremy 1:23Right question. I actually, it is it is peculiar. Why is it just because it did in the past? Why does that mean it will in the future? Because my initial reaction is, well, if it's if it's grown too much in the past, if it's outperformed, and put a massive gap between itself and you know, its neighboring suburbs? Don't the neighboring suburbs look more attractive, because they're now relatively affordable by comparison. And that's the whole concept of this ripple effect where, you know, you have the ideal suburb, everyone's buying there, they love it, prices go up too high. And then people look for the next best. So they think, well, it's not ideal, but it's it's close enough. And so that reduces demand for the ideal suburb, because then it's unaffordable, and increases demand for the next best thing. And that just keeps happening. And it all ripples outwards from, you know, the most affluent, exclusive suburbs. Ryan 2:26Right, our saying today, you would you would expect from the data, the opposite to be true that if a suburb has grown significantly in the past, then it's less likely to see growth in the near to medium term future. Jeremy 2:39That's right. But as as things just balance out, Ryan 2:41or Yeah, may not be triggered growth, but my won't necessarily see more growth in comparison to other suburbs close by. Jeremy 2:49Yeah, that's right. And I do use this. apples and oranges analogy, where picture yourself in a fruit shop 100 years ago, and you can buy an apple for one cent, or orange for two cents. Now, if oranges grew in value at 8% per annum, but apples only grew at 4% per annum, then 100 years later, you'd be spending 50 cents on an apple and $44 for a single orange. It's It's ridiculous. It's still an apple, it's still an orange. Why would you walk into a fruit shop buy $44, one orange,

https://www.youtube.com/watch?v=x3VbVbDwwuM&ab_channel=OnProperty The dream for a lot of people is to make a living doing what you love. Today I'm joined by N'Jaane Taylor and we talk about what we have done to be able to make a living doing things we are passionate about and absolutely love. N'Jaane's YouTube 0:00 - Introduction1:30 - #1: Learn to manage your money well first2:28 - #2: Spend time working out what you want to do4:10 - #3: Know when to let go5:05 - #4: Try a lot of different things8:45 - #5: Learn to love the work you do9:45 - #6: Work on yourself11:06 - #7: Be willing to say no to the wrong money12:30 - #8: Learn to say no14:25 - #9: Stop caring what people think Recommended Videos: 8 Epic Money Tips for Young Adults (Ft. N'Jaane Taylor) Transcription N'Jaane 0:00Before you open yourself up, and give away your energy to things that aren't in alignment, the less energy that you have for the things that are in alignment, then when an opportunity comes, that actually is exactly what you need you like coffee. Ryan 0:13Remember that this is your life. This is the one life that you get to live. This is your journey, and you need to be true to yourself and what you want. So I'm very much an advocate for not living the life that someone else wants you to live. The dream for a lot of people is to be able to make a living doing what you love. But actually thinking about that and dreaming about that versus making it happen and enjoying your work and enjoying what you do. He kid the steps between that can be very difficult. And a lot of people find themselves in dead end jobs or things that they don't like that stripping their energy. So in today's episode, I'm joined by new john Taylor, who's one of my best friends who at a very young age has been very successful doing what she absolutely loves. So going from promo work, which he wasn't super stoked on to becoming a DJ and quickly becoming a very successful DJ to now running her own meditate and levitate events. And so today we're going to just kind of discuss, okay, what kind of steps have we taken to create a life where we are doing what we love, whether we're getting paid huge bucks for it or not? Doesn't really matter. But it's that we love coming to work. And look, I'm in a similar situation where I love the work that I do the videos that I create the websites I run, we're currently you know, in Port Macquarie in this amazing spot. So it's a Monday afternoon. So yeah, so I guess that gives us a bit of insight into the situation. And yeah, how can we actually go from a dead end job to doing what we love? Yeah, just just how do you do that? N'Jaane 1:56Well, okay, if you want to, if you've watched the last video that we did on money, that obviously definitely helps. If you haven't, just go check that out. But basically, having a good system where you then have a buffer and you have more freedom obviously helps. Ryan 2:13Yeah, so managing your money well, so that you've got a buffer fund. So you've got the freedom to take, and to pursue things or take a pay cut in your life to pursue something that you want can be really important. Because if you've got car loans and expensive rent, or mortgages and just all these overheads in your life, then it can be like, Okay, I need to work every month to pay for these things that are like really not making me happy. They're just forcing me to work. So I can pay for them as late. So stripping that out, getting good money management, so you build up the opposite, which is a buffer fun to say, Okay, I can take six months off, if I want. What do I want to do? Yeah, yeah. So starting, there is a good start. Well, N'Jaane 2:56actually, even that as well, I think having the tools to actually figure out what you want to do. So like, I actually had a girl messaged me the other day, and she was like, I don't know what to do with my life, like, how do you figure out what to do with the life?

https://www.youtube.com/watch?v=F9rz9q5B74c&ab_channel=OnProperty We are often told if we want the best capital growth we need to buy as close to the CBD as possible. But is this actually true and is there any data to back up this advice? Why There's No Need To Buy Near The CBD Select Residential Property 0:00 - Introduction1:13 - Issues with prior reports6:35 - What trend you'd want to see if this was true8:10 - Calculating the data9:25 - The results11:45 - A problem that makes this difficult to assess13:30 - Change in growth/m216:35 - Yield vs distance to CBD19:20 - Don't just look at one data point20:25 - Volatility vs proximity to CBD22:30 - Why are properties near the CBD more expensive? Recommended Videos: Why Population Growth Does NOT Predict Capital Growth (Data Dive) Transcription Ryan 0:00We're often told that if we want the best capital growth, then we need to buy as close to the CBD as possible and that the further out you get from the CBD, the less capital growth you're going to get in that suburb and in that property. But is this actually true? Today? I have with me, Jeremy Shepard from selected residential property to talk about this. Do we actually need to buy in the CBD or as close to the CBD as possible? And is it true that the further out we get, the worse our capital growth is going to be? When we look at the data? Does it actually tell us a different story? So hey, Jeremy, thanks for coming on today. Jeremy 0:37Thanks for having me. on your show. Ron. Ryan 0:40No worries. So yeah, this is one that I'm really curious about. I know that you take different angles, other people, you look at the data, I guess more, I don't know, less emotionally, you don't draw conclusions as quickly as other people do? And you tend to say no, what does the data actually tell us? And sometimes you throw your hands up and say, Look, it doesn't really tell us much. So I'm excited to hear what conclusions you come to and what data you've looked at. So don't talk us through a bit about what research you've done, what conclusions it's likely to? Yeah, well, Jeremy 1:11I guess it was all triggered by having a look at some prior reports, I've seen quite a few. And it all seemed very convincing. And I tried to replicate the same sort of results and just to a little more well rounded job of it. So for example, people refer to inner ring, middle ring, outer ring, why have we got three rings? A lot of the reports I've seen have just focused on a single city. And I just thought, we need something a little bit more broad. What I wanted to know was, what is the improvement in capital growth per kilometer closer to the CBD? Is it possible to come up with a metric like that. And really, what I found was, there's not really much in it. And it's debatable whether there's anything in it. In fact, if I just scroll down, I think there was a Okay, so I go through some other reports and just point out some of the shortcomings, or some of these reports were quite a few years ago. So we can't really, you know, point a finger at what was done then it was was pretty good for its time. But there is a chart or where I cut to the chase. So I'll just if you'll bear with me, and I Ryan 2:24will link to this article down below if people want to go through this go through it in way more detail than we're going to cover in this video. And you can see all the graphs and things here. Jeremy 2:34This is a great one from two big names in real estate. Well, two big names in data in general RBA and real estate Institute of Australia. And, and this chart is a little bit hard to absorb. But what they've done is they've they've tried to create a ratio between these two timeframes, 2014 and 2008 2008. two and six. And the idea of this chart is that prices are getting the difference between inner and outer rings is getting larger and larger over time. So all I did was I tried to replicate this exact same chart,

https://www.youtube.com/watch?v=eslXgi36xgw&ab_channel=OnProperty Managing money as a young person can be extremely difficult and it's not something they teach you in school. However, it is possible but with some simple steps and the right mindsets you can get really good at managing money when you're young. N'Jaane's YouTube 0:00 - Introduction1:48 - #1: Having Multiple Bank Accounts8:16 - #2: Look at money as a form of energy9:48 - #3: Look at what you spend your money10:58 - #4: How is your spending making you feel? Is it bringing you joy?13:55 - #5: Have a holistic view of money17:45 - #6: Have good money habits when earning a little or a lot19:28 - #7: Never spend money you don't have21:00 - #8: Give to something that is important to you Recommended Videos: Barefoot Investor Bank Accounts Explained Transcription N'Jaane 0:00Looking at money as a physical form of energy and understanding what it actually is, money is just energy. And as long as you've got energy in your body, you've got a way to make money and switching from a real scarcity mindset to an abundance mindset. It's like, actually, I can make a lot of this. And it's not a bad thing, if I do. Ryan 0:23managing money as a young person can be extremely difficult. It's not something that they teach you in school, I know I wasn't very good at managing money when I was young, however, it is possible. And with some simple steps and some simple processes in place, you can get really good at managing your money when you're young, to be able to save for a property or to invest or to set up your life. Today, I have with me, john Taylor, who is one of my best friends in the whole world, but also an extremely successful young person I've seen you go from, you know, basically having no money at all. N'Jaane 0:58And they're stressed out, Ryan 1:00stressed out on money, and then even earning just small amounts to be able to build up savings, build up a buffer and fun, build up your life to the point now, a couple of years later, when you're a successful DJ, you're running, meditate and levitate, you've got a lot of things going on in your life and more money coming in than you used to. And you still better at managing money than me. I'm excited to share today, some of the things that you do in your life that people can take away and maybe apply to their lives, whether you're young, this will help you. But even if you're older, you can take a lot from this as well. So thanks for finally coming on. Well, we got there. So what are some of the things that you implemented in your life to get you from that point where you were really stressed out to feeling like you have control over your money? N'Jaane 1:46Yeah, so I was really fortunate. I have a lot of mentors and friends that in the business game and entrepreneurs and so I went to a master your money seminar, I guess when I was really young. And there's just like, it's a really simple tactic that I started implementing. And I found that it didn't actually matter how much money I made. It just gave me that head start in like, very slowly building stability for myself. So the biggest thing that I took away from that was the full bank accounts like how to actually physically manage your money. So Ryan 2:28Well, that's it, most people just have one bank account. So mine comes in and money goes out. And then most people aren't necessarily tracking that. They just kind of do the blind like half and just hope it goes through. Yeah, especially if you know, as a younger person, you've gone out on the weekend. You're not sure how much you spend? N'Jaane 2:45Oh, yeah, I really feel for I feel for people on that one. That's why being a DJ is great. Just do that. You'll save hundreds of dollars for a drink. Yeah. Ryan 2:58So what are these four bank accounts? And how do you allocate money across them? N'Jaane 3:02Yep. So I it's easy. Look, I'm a bit OCD. So. Um,

As a homeowner there can be a seemingly never-ending stream of plumbing problems. Blocked toilets, leaking taps or faulty hot water systems. They're all a part of life, whether it's in your own home or an investment property. But when the time comes for necessary, often urgent repairs, you want the best plumber to get the job done. And that decision making process has its own challenges. They key is to never panic or feel rushed. It's always better to take your time making the right choice instead of chasing up loose ends later on. Backed by a calm approach, here are 8 things you should look for when choosing a good plumber. 1. Positive and Reliable Online Reviews Reviews of Metropolitan Plumbing Sydney The first thing you want to do is look at online reviews. Never leave it until you're unhappy with a job and want to complain. It's one thing to stick to a name you remember from television advertising or letterbox drops, but it's another to properly check out their reputation and reviews. Leading resources include Product Review, an Australian consumer-based review site, and Google Review. Both are independent sources where customers can leave detailed feedback. You can then check out the pros and cons before making any decision. Look for recurring themes surrounding pricing, job satisfaction, customer service and availability. Individual reviews may focus on just one point, like pricing, so it's always good to capture the overall picture. An inside tip is to avoid the lure of companies which seem too good to be true. An overall 5-star rating looks appealing, but is there actually a large quantity of reviews? A good balance of positive and negative reviews reveals legitimacy and engagement. There's a better chance at truly seeing a company's overall performance, rather than a tiny snapshot. Remember, it's not possible to please everyone. There will be negative reviews and although 5 stars seems tantalising, the 4.5 ratings are the best benchmark. You can build from there and use the feedback as the perfect starting point for choosing a good plumber. Check out Metropolitan Plumbing's reviews on Product Review 2. A Good Social Media/Online Presence An engaging, communicative social media and online presence is just as informative as customer reviews. And although it may not be the first thing you think of when looking for a plumber, it's an invaluable resource. Regular communication, informative posts and a professional website indicates a company which cares about customers. It's more than just image.  Evidence of a plumber answering questions and comments is always beneficial. As the customer you can rest assured someone is willing to help if anything goes wrong. On the other hand, when it seems like it's difficult to engage with a plumber online, often the poor communication stretches to customer service.  Irregular posts, no customer interaction and obvious negative comments are a major detraction. Just stay away from the plumbers and companies which give off a sour feeling on social media.  Instead, look for those who post great images and have a positive interaction with customers. An active blog on their website is a good sign so is an active YouTube channel. This can really give you a better feel for the company or plumber you're going to be working with. Plumbers that are proud to show off past work are helping you make a big decision. Their eye-catching renovations and professional installations are all the evidence you need. As they say, a picture is worth 1000 words. 3. License Numbers and Insurance Always use a fully licensed plumber, electrician, technician or tradesperson. There are no ifs or buts about it. Even if the prices are low and you're desperate, the risk does not balance out the reward.  While you're looking at a website or Facebook page, look for licence numbers. Often they'll be located in the About Us section or a page footer.

People often say you should look at population growth to try and predict capital growth. The idea is that if an area has population growth it is a desirable area and that will lead to capital growth. However, there is a fundamental flaw in this assumption and today I sit down with Jeremy Sheppard from […] The post Why Population Growth Does NOT Predict Capital Growth (Data Dive) appeared first on On Property.

Simon has achieved great success at a young age, now owning 3 properties at 28. In this episode we dive into Simon’s success mindset and how he was able to achieve so much in such a short period of time. 0:00 – Introduction0:35 – Poor uni student to successful investor2:35 – Did Simon have big […] The post Mindset of a Successful Property Investor appeared first on On Property.

It’s been a year since I’ve been able to come up to the Sunshine Coast and hang out with Ben and chat about life and business and property. In this video we discuss some of the key things we’ve been vibing on at the moment. 0:00 – Introduction1:21 – Being hard on yourself3:48 – Being […] The post Property and Life Update: Vibing on Life with Ben Everingham appeared first on On Property.

The market in Brisbane and right across Australia is heating up so much right now. Negotiating and buying property is a hot market requires very different strategies to a cold market. In this video we share some amazing tips for how to negotiate and secure your next property when the market is extremely hot and […] The post Secrets To Buying Property In a Hot Market appeared first on On Property.

As the market starts to heat up more and more properties are selling at auction and if you aren’t careful and don’t have a good auction strategy you can end up paying way too much for a property or missing out completely. So how can you approach an auction and what’s a good auction strategy. […] The post How To Win a Property Auction and Stop Overpaying appeared first on On Property.

The market is forever changing and things are heating up right now in many markets across Australia. In this episode we want to look at whether or not 2021 is a good time to buy and compare it to 2020 as well as previous years. Book a Free Property Strategy Session – https://onproperty.com.au/strategy Advanced Suburb […] The post Is Now A Good Time To Invest In Property? appeared first on On Property.

If you’re looking at developing medium density property this one is for you. Recently there has been new rules introduced that make getting approval for medium density dwellings easier. Instead of 6-12 months for approval this new process could get you approval in as little as 2 weeks. This is exciting stuff for developers and […] The post Get Property Developments Approved In Just 2 Weeks (Not 6 Months) appeared first on On Property.

One of the most important people to have on your team as a property investor is a mortgage broker. But how can you actually find a good mortgage broker? Contact Michael at Mortgage Broker Sydney 0:54 – Start with a recommendations1:15 – Look at customer reviews, level of experience and time in industry1:50 – Access […] The post How To Choose a Good Mortgage Broker appeared first on On Property.

If you’re investing in property for the ultimate goal of financial freedom it’s important to understand what exactly that will give you in your life. But the journey you take towards financial freedom is just as important as the destination. In this episode me and Ben provide some of our insights into the right way […] The post The Right Way To Achieve Financial Freedom appeared first on On Property.

When you have an investment property it’s really important to have a good team behind you. One of the most important people in that team is your rental manager. But how do you find a good rental manager and how do you even know what to look for? Today we talk to rental manager Lauren […] The post How To Choose The Right Rental Manager appeared first on On Property.

If you’re looking to invest in property, you’re going to likely need to get a mortgage. And if you’re going to need to get a mortgage, you’re going to need to present your finances to the bank in a way that they’re happy to lend you money. And today, I have with me Michael Brown […] The post Do These 6 Things Before Applying For a Mortgage appeared first on On Property.

Matt Chamerlain was able to purchase his first property at the age of 24 while on a low income. In this episode we talk about early financial lessons he learned, how get got into property, the details of his investments and his plans for the future. This is an inspiring interview with an up and […] The post Investing in Property on a Low Income at 24 – Interview with Matt Chamberlain appeared first on On Property.

There’s been a lot of changes this year when it comes to property finance in Australia. Lowering interest rates, government incentives, easing lending requirements have all played a role in easier access to money. In this episode we discuss with Michael Brown from MortgageBrokerSydney.com.au about what’s been happening as well as some of the changes […] The post Summary of Australian Lending Changes: 2021 Update appeared first on On Property.

2020 has been a chaotic year in financial and property markets with a lot of uncertainty. As we move into 2021 we want to ask the question is now a good time to be investing in property? Today we talk about the past, where things are at now and where they may be going in […] The post Is 2021 A Good Time To Invest In Property? appeared first on On Property.

2020 has been a big year of growth and learning and towards the end of the year we want to look back at some of our biggest lessons of the year both finance and property related as well as personally. 0:00 – Introduction1:49 – #1: It Takes Longer Than You Expect It Will2:50 – #2: […] The post 15 Property and Personal Lessons This Year appeared first on On Property.

Lisa Tran has been able to purchase 2 properties by the age of 30 and start her own successful business. 0:00 – Introduction1:00 – How did Lisa started in property?4:00 – First property details6:40 – Lisa’s second property8:35 – Lisa’s long term strategy14:57 – Using a buyer’s agent18:00 – Lisa’s next steps23:30 – Biggest takeaways […] The post 2 Properties Before She Turned 30 – Interview With Lisa Tran appeared first on On Property.

As a property investors you want to make sure you get the most rent possible so you can get the best return on investment possible. Today we talk about how to increase the rental return on your property. 0:00 – Introduction0:55 – Differentiate your property3:33 – Marketing your property better7:36 – Doubling rental income9:10 – […] The post How To Increase Your Rental Income appeared first on On Property.

If you’re looking at getting into the property market, the first thing you need to do is save your deposit. And if you’re anything like me, you don’t want that to take an extremely long period of time, you just want to get it done as quickly as possible, invest in property and move on […] The post Can You Save a House Deposit in 1 Year? appeared first on On Property.

One of the biggest fears people have when investing in property is whether or not their property will be rented or lie vacant. How do you make sure your property gets rented. Rental Results Rented Book 0:00 – Introduction1:26 – How to make sure a property is able to be rented before you buy it3:57 […] The post How To Know If a Property Will Be Easily Rented appeared first on On Property.

As the year comes to a close it’s exciting to look back on the goals we set and whether or not we achieved them. This year both me and Simon achieved our goals and we want to give some tips on how to achieve your financial goals. Book a From Property Strategy Session 0:00 – […] The post How To Achieve Your Financial Goals This Year appeared first on On Property.

As we come towards the end of the year one of my favorite things to do is to look forward into the future. In this video me and Simon Everingham outline our goals for 2021. Book a From Property Strategy Session 0:00 – The future looks exciting2:30 – Ryan’s Goals for 2021Pay off debt by […] The post Our Financial and Property Goals For 2021 (with Simon Everingham) appeared first on On Property.

When looking to purchase your first investment property one of the big questions you might have is how much exactly do I need to save for my deposit? Book a From Property Strategy Session – https://onproperty.com.au/strategy 0:00 – Introduction2:00 – Somewhere between a 10-20% deposit4:00 – The risks vs the opportunity cost6:30 – For me […] The post How Much Do You Need For a Property Deposit? appeared first on On Property.

You’ve achieved financial freedom so what now? How does that feel and what do with your time to ensure happiness, fulfillment and productivity? 0:00 – Introduction0:50 – My story2:45 – My motivation has plummeted5:00 – I’ve still got goals to achieve6:35 – No-one talks about “what next”8:00 – Transitioning from working hard to having balance13:00 […] The post I’m Financially Free…What Next? appeared first on On Property.

With everything that has been happening lately you would be normal to think the Australian property market is likely to go down as a result. But this new data about Mortgage Finance from the ABS suggests that property prices may actually go up, at least in the short term. 0:00 – Introduction1:10 – New mortgage […] The post Is This a Sign Property Is About To Boom? appeared first on On Property.

It’s been a little while since I’ve recorded a video but I’m excited to announced that I’m financially free…again 0:00 – Intro1:09 – My first time experiencing financial freedom3:08 – Struggling after losing financial freedom5:30 – Sacrifices were required6:30 – I now consider myself financially free8:05 – What’s next for me?12:15 – No one really […] The post Financially Free at 32…Again appeared first on On Property.

One of the hardest things as an investor is paying off debt and saving your deposit. When you don’t already have those income generating assets it can be a really difficult process to do. But there are some tips that can help you along that journey. 0:00 – Introduction1:30 – Simon’s Saving Story4:25 – #1: […] The post How To Pay Off Debt & Save a Deposit appeared first on On Property.

both me and simon are on our ways to achieving financial freedom and we’re going about it in very different ways to each other with me i’m focusing on online passive income growing my income streams through there getting what i call pseudo financial freedom first and simon is focusing on building up his property […] The post 10 Tips For Achieving Baseline Financial Freedom appeared first on On Property.

There are some steps I’m taking on my journey to grow my income and become a millionaire. Today I want to talk about a baby step I took recently on my journey towards $1 million per year. 0:00 – Introduction1:40 – Understanding a bit about my business4:15 – My baby step is: Paying people to […] The post A Baby Step Towards Becoming a Millionaire appeared first on On Property.

The property market is constantly changing and the Brisbane market is changing rapidly as well. Today I have with me Simon Everingham to a bit about what it feels like on the ground in the Brisbane market. 0:00 – Introduction1:21 – What have the last 6-7 months been like in the Brisbane market3:50 – Has […] The post 20% Growth Forecasted For Brisbane Property! appeared first on On Property.

Sometimes when purchasing an investment property finance can fall through. If you are unable to secure the finance when trying to secure a property what can you do to bounce back and maybe still secure that property. 0:00 – Introduction0:53 – How Simon’s finance fell through3:05 – Getting the right mortgage broker3:47 – Why finance […] The post When Finance Falls Through On a Property appeared first on On Property.

If your goal is to be financially free, where your investments are completely paying for your life and you have choices to do what you want with your time then these stages are great signposts on your way to that goal. Understanding what stage you’re in can help you stay motivated and help you to […] The post 5 Stages of Financial Freedom appeared first on On Property.

What does it take to be a millionaire or make $1 million per year? What do I need to change in order to get there? Today I had a mental breakthrough where I realised that I didn’t actually believe being rich was possible for me. 0:00 – Introduction0:40 – What happened today2:55 – My incorrect […] The post Can I Go From $100,000/year to $1 million/year? A Rant appeared first on On Property.

You can’t investing in the Australian property market, you can only invest in one property in one street in one suburb of one city. Because you can only buy one property you are often playing the odds of the property market. How can you swing the odds in your favour and increase your chances of […] The post Massively Increase Your Chances of Property Success appeared first on On Property.

One of the really difficult things about investing in property or anything with a long term payoff is staying motivated and avoiding burnout. In this episode me and Ben Everingham talk about how we stay motivated and how we take action even when we aren’t motivated. We also discuss how we cope with burnout and […] The post Staying Motivated & Avoiding Burnout When Property Investing appeared first on On Property.

One way of building a property portfolio is to house hop. Buy your own home, live in it for a bit and then when you move convert that property into an investment property. Book a free property investment strategy – https://onproperty.com.au/strategy/ 0:00 – Introduction0:39 – Simon’s latest investment, his own home2:50 – Focus on the […] The post Turning Your Home Into An Investment Property appeared first on On Property.

Both single income and dual income properties each have their own pros and cons and often suit different investors Book a Free Property Strategy Session 0:00 – Introduction1:40 – Dual Income Properties7:40 – Single Income Properties The post Single Income vs Dual Income Property: Pros and Cons appeared first on On Property.

It has been a hot minute since I’ve caught up with Simon Everingham from Pumped on Property and in the last 6 months he’s bought his own home which is super exciting. In this catch up we talk about what we have each been up to in the last 6 months and Simon talks about […] The post Simon Bought 3 Properties in 18 Months: A Catchup appeared first on On Property.

A lot of investors want to purchase investment properties near where they live. There are a lot of benefits associated with that but there are also a lot of potential negatives too investing close to home. In this episode we look at the pros and cons of investing close to home vs investing somewhere else […] The post Should You Buy An Investment Property Close To Where You Live? appeared first on On Property.

With everything that is happening in Australia and with the inability for a lot of people to travel to other states how are you able to actually invest interstate successfully in the current market? Book a Free Property Strategy Session 0:00 – Introduction1:05 – What are your options?2:30 – #1: Buying sight unseen3:37 – #2: […] The post How To Buy Property Interstate (When You Can’t Travel There) appeared first on On Property.