Podcasts about most australians

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 25 July 2025. The topic for this week is: What ways are available to get more money into super for a tax-free retirement? Most Australians now realise that saving into super provides tax free income in retirement. It comes […]

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 4 April 2025. The topic for this week is: Investing outside of super. Most Australians know the benefits of superannuation investing for their retirement. In this episode our own Financial Planner Luke Smith takes a deep dive into […]

It's unclear if Australia will hit the US with counter-tariffs after Donald Trump's recent announcement. The US President has confirmed Australia won't be exempt from new tariffs on steel and aluminium imports from tonight. Australian Prime Minister Anthony Albanese has called the tariffs 'entirely unjustified'. Australian political strategist Bruce Hawker says locals know it's probably not worth fighting over. "Most Australians will be saying - look, let's let this thing ride. It's not good, it's an act of b*******, I guess, by a country that's been friendly and loyal to Australia." LISTEN ABOVESee omnystudio.com/listener for privacy information.

Most Australians have been targeted by a scam attempt, from spam text messages to intricate love fraud. The scams have cost us billions. But behind these attacks is a highly organised and secretive industry – fuelled by human trafficking. It’s believed hundreds of thousands of people are being held against their will in so-called “scam factories” across South East Asia, including in Myanmar, Cambodia and the Philippines. Many of these factories are run by Chinese-linked gangs operating in border regions. Ben Yeo has seen first-hand how these compounds operate. In early 2024, he was kidnapped and trapped in a Cambodian scam factory. Today, Ben Yeo on how he escaped the scam compounds, and why so many others struggle to get out. Socials: Stay in touch with us on Instagram Guest: Ben Yeo Photo: Valeria Mongelli/Getty ImagesSee omnystudio.com/listener for privacy information.

Most Australians have enough to enjoy a comfortable retirement. But too many retirees who rent are being left behind. Today, two thirds of retirees who rent privately live in poverty, including more than three in four single women. And a growing number of older Australians are at risk of becoming homeless. With home ownership falling across the board, it's only going to get worse. On this podcast, host Kat Clay discusses Grattan's new report, Renting in Retirement: Why Rent Assistance needs to rise, with authors Brendan Coates and Matthew Bowes. Read the report: https://grattan.edu.au/report/renting-in-retirement-why-rent-assistance-needs-to-rise/

Most Australians agree that consent is key to healthy sexual experiences. But what does consent mean? What does it look like in action? Before we can talk to our kids about consent, we need to talk to each other. In this special series, made in partnership with the Australian federal government as part of its Consent Can't Wait campaign, The Briefing invites iconic Australians to unpack how they feel about consent, what their understanding of it is, how they're having conversations about it with loved ones, and unpacking some of the myths about consent that we can all fall victim to. In part four, Sacha Barbour Gatt is joined by Jude Bolton, cohost of Triple M's Rush Hour in Sydney and former Sydney Swan, and author and Founder of Teach Us Consent Chanel Contos to hear their thoughts on consent in 2024. Check out your understanding of consent, and get help learning how to talk about the topic at Consent.gov.au.See omnystudio.com/listener for privacy information.

Most Australians agree that consent is key to healthy sexual experiences. But what does consent mean? What does it look like in action? Before we can talk to our kids about consent, we need to talk to each other. In this special series, made in partnership with the Australian federal government as part of its Consent Can't Wait campaign, The Briefing invites iconic Australians to unpack how they feel about consent, what their understanding of it is, how they're having conversations about it with loved ones, and unpacking some of the myths about consent that we can all fall victim to. In part three, Sacha Barbour Gatt is joined by Jess Rowe, accomplished journalist, author, public speaker and host of LiSTNR's The Jess Rowe Big Talk Show, and author and Founder of Teach Us Consent Chanel Contos to hear their thoughts on consent in 2024. Check out your understanding of consent, and get help learning how to talk about the topic at Consent.gov.au. Follow The Briefing:TikTok: @listnrnewsroomInstagram: @listnrnewsroom @thebriefingpodcast YouTube: @LiSTNRnewsroomFacebook: @LiSTNR NewsroomSee omnystudio.com/listener for privacy information.

Most Australians agree that consent is key to healthy sexual experiences. But what does consent mean? What does it look like in action? Before we can talk to our kids about consent, we need to talk to each other. In this special series, made in partnership with the Australian federal government as part of its Consent Can't Wait campaign, The Briefing invites iconic Australians to unpack how they feel about consent, what their understanding of it is, how they're having conversations about it with loved ones, and unpacking some of the myths about consent that we can all fall victim to. In part two, Bension Siebert is joined by Matt Okine, comedian, author and host of Matt & Alex - All Day Breakfast, and ambassador and youth advocate Daniel Principe to hear their thoughts on consent in 2024. Check out your understanding of consent, and get help learning how to talk about the topic at Consent.gov.au.See omnystudio.com/listener for privacy information.

Most Australians agree that consent is key to healthy sexual experiences. But what does consent mean? What does it look like in action? Before we can talk to our kids about consent, we need to talk to each other. In this special series, made in partnership with the Australian federal government as part of its Consent Can't Wait campaign, The Briefing invites iconic Australians to unpack how they feel about consent, what their understanding of it is, how they're having conversations about it with loved ones, and unpacking some of the myths about consent that we can all fall victim to. In part one, Sacha Barbour Gatt is joined by Carrie Bickmore, Gold Logie winning television host and co-host of the Carrie and Tommy Drive Show, and ambassador and youth advocate Daniel Principe to hear their thoughts on consent in 2024. Check out your understanding of consent, and get help learning how to talk about the topic at Consent.gov.au.See omnystudio.com/listener for privacy information.

Most Australians had never flown it and now they may never get a chance. Bonza has followed so many other airlines and gone into administration, meaning yet again less competition in our aviation market. Today, the rise and rapid fall of the budget carrier and whether we will one day get a third major airline to drive down airfares across the country. Featured: Justin Wastnage, adjunct professor in aviation at Griffith University

Most Australians don't spend much time thinking about the electricity system, as long as the lights turn on. But the National Energy Market (NEM) is going through big changes as it moves away from coal generation towards renewables. And Australia's future prosperity depends on governments getting this transformation right. On this podcast, Grattan energy experts Tony Wood, Alison Reeve, and Richard Yan, discuss their latest report, Keeping the lights on: How Australia should navigate the era of coal closures and prepare for what comes next. Read the report: https://grattan.edu.au/report/keeping-the-lights-on/

Most Australians are in favour of tax reform on things like negative gearing & capital gains discounts to free up housing supply.See omnystudio.com/listener for privacy information.

As Australia's average temperature increases by 1.5C and extreme weather events become more severe, the public has made its feelings clear. Most Australians want to transition to clean energy. But in this country, the climate wars never die. The Coalition, which claims to back a target of net zero by 2050, seems to oppose any policy that could help get us there, while the Labor government often appears on the back foot when defending even their modest policies. Gabrielle Jackson talks to climate and environment editor Adam Morton and national news editor Patrick Keneally about why the public support for clean energy is being met with hostility

Today, we're bringing you an episode from our archive. Most Australians know the name Lindy Chamberlain. She's famously the victim of what's been called “the most notorious miscarriage of justice” in Australian legal history. She was wrongfully convicted of murdering her nine-week old daughter, Azaria, during a camping trip at Uluru, and sentenced to life in prison.But how many people know about the murder conviction inquiry that's going on right now that could, as one expert put it recently, make the Chamberlain case pale into insignificance?On this episode, legal affairs reporter for The Sydney Morning Herald, Michaela Whitbourn, on the inquiry that could change the way our legal system handles evidence in murder trials. And why the diaries of Newcastle mother Kathleen Folbigg, which were once used to help convict her of murder, might now be the very thing to set her free.This episode first aired on March 30, 2023.Subscribe to The Age & SMH: https://subscribe.smh.com.au/See omnystudio.com/listener for privacy information.

Today, we're bringing you an episode from our archive. Most Australians know the name Lindy Chamberlain. She's famously the victim of what's been called “the most notorious miscarriage of justice” in Australian legal history. She was wrongfully convicted of murdering her nine-week old daughter, Azaria, during a camping trip at Uluru, and sentenced to life in prison.But how many people know about the murder conviction inquiry that's going on right now that could, as one expert put it recently, make the Chamberlain case pale into insignificance?On this episode, legal affairs reporter for The Sydney Morning Herald, Michaela Whitbourn, on the inquiry that could change the way our legal system handles evidence in murder trials. And why the diaries of Newcastle mother Kathleen Folbigg, which were once used to help convict her of murder, might now be the very thing to set her free.This episode first aired on March 30, 2023.Subscribe to The Age & SMH: https://subscribe.smh.com.au/See omnystudio.com/listener for privacy information.

Most Australians who invest in real estate fail to achieve their goal of creating a large and sustainable property portfolio. Over two million Australians own an investment property but 70% of them have just one property and another 18% have two. That's nine out of ten with just one or two properties. Those who own five or more are less than 1% of the total. And here's why so many fail to achieve great success: they're herd animals. They lack the ability and mindset to think and act independently. That “less than 1%” who have a portfolio and a decent crack at success with property investment? They're the people, the minority of people, who have a plan and are willing to invest in information and advice to make good decisions – and generally are able to take action where most people are adopting a “wait and see” approach. They accumulate good real estate assets and keep them. They make their next purchase when they're ready to add to their portfolios, regardless of public sentiment or the tone of media or the trend with interest rates or the (alleged) state of the market. The successful investor thinks and acts regardless of all that white noise in the background.

Most Australians have experienced at least one natural disaster in their lives. Bushfires, floods and hurricanes regularly cause major damage to the country. A new design promises a house that could certainly withstand these disasters. SBS correspondent Barbara Barkhausen took a look at this “miracle house.” - Die meisten Australier*innen haben in ihrem Leben mindestens eine Naturkatastrophe miterlebt. Buschfeuer, Hochwasser und Wirbelstürme richten im Land regelmäßig große Schäden an. Ein neues Design verspricht ein Haus, das diesen Desastern durchaus widerstehen könnte. SBS-Korrespondentin Barbara Barkhausen hat sich dieses „Wunderhaus“ angeschaut.

Most Australians would regard our health system as world class, but there's an ecosystem of discrimination that many of us often don't see. Stuart Yiwarr McGrath is a Galiwin'ku man from north-east Arnhem Land. He's passionate about shifting the dial on health discrimination and providing culturally appropriate healthcare to his community. Yumi Stynes speaks to Stuart about becoming the first Yolngu registered nurse, and what it means to reconcile both black and white parts of his identity.

How to Make the Most of good stress and Manage the Bad by Marissa Downes Stress, or more accurately distress, occurs when the demands on a person exceed their abilities, skills, or coping strategies. “Stress is a response to a threat in any situation and is the body's way of protecting you,” says Laura Kampel, a Senior Clinical Psychologist at the Black Dog Institute. It's essential to recognise that stress is ‘designed' to be a short-term experience and can even be helpful in many situations (more on healthy stress or eustress later). However, too much stress too often, or chronic stress, can take a heavy toll on our health, wellbeing, performance and our relationships. Stress levels in Australia are rising. A survey conducted by the Australian Psychological Society found the wellbeing of Australians has been declining in recent years, with respondents reporting lower levels of wellbeing and higher levels of stress, depression and anxiety. The survey on Stress and Wellbeing in Australia found: Younger adults between 18 to 25 consistently reported lower levels of wellbeingPersonal finance, health, and family issues are the top stressors across all age groups.Pressure to maintain a healthy lifestyle was the fourth most common cause of stress.Most Australians surveyed felt that stress impacted their physical health (72%) and mental health (64%), but very few reported seeking professional help.More than one in 10 Australians (12%) reported that keeping up with social media networks contributed to their overall stress levels.According to research from Headspace and the National Union of Students, 83.2% of Australian universities and their students reported that stress negatively affected their health and wellbeing. There's more to stress because it is more than distress. Today the word stress is synonymous with distress. There is a common belief that: Stress is equal to distress and then perceived as a Health Risk. With this prevailing belief, and ‘stress' has become the equivalent of ‘distress', many people have become stressed about stress! Obviously, as a stress management strategy, this is not ideal!! While it is true that feeling stressed does push people into uneasy states, stress is more than distress, and the idea that “stress is bad” is problematic, if not harmful, to our health. What is the purpose of stress? The body's Stress Response evolved to help us survive and to learn. The cascade of hormones released during the Stress Response primes the body for action, heightens your senses and improves your performance. Stress impacts our minds and bodies. Any change that causes physical, emotional, or psychological strain engages the body's Stress Response System – alerting us that the ‘stressor' requires attention and action, for example: Exercise is a physical stressor that prompts us to rest, nourish and recover.Dangerous situations, such as a hot surface, warn us to protect ourselves by moving away from or leaving the position.When perceived as a threat, uncertainty may motivate us to seek certainty within or adjust our perception of uncertainty. Stress can also contribute to understanding and memory by triggering the hormone Cortisol, an influential modulator of mechanisms involved in learning. Mild stress also causes the neurotransmitter acetylcholine to be released by nerve cells in the brain, and this is the same process when people concentrate on learning something new. Healthy stress or eustress Yes, stress can be healthy! In fact, we need some stress levels to grow, learn, and adapt. A lack of ‘healthy stress' often leaves us feeling lost, directionless, and unhappy. Healthy stress is sometimes called ‘eustress', and it refers to stress that leads to positive outcomes and is often termed the opposite of ‘distress'. It contributes to feelings of confidence, adequacy and self-efficacy stimulated by the challenge and the accomplishment of the challenge experienced.

Most Australians know the name Lindy Chamberlain. She's famously the victim of what's been called “the most notorious miscarriage of justice” in Australian legal history. She was wrongfully convicted of murdering her nine-week old daughter, Azaria, during a camping trip at Uluru, and sentenced to life in prison.But how many people know about the murder conviction inquiry that's going on right now that could, as one expert put it recently, make the Chamberlain case pale into insignificance?Today, legal affairs reporter for The Sydney Morning Herald, Michaela Whitbourn, on the inquiry that could change the way our legal system handles evidence in murder trials. And why the diaries of Newcastle mother Kathleen Folbigg, which were once used to help convict her of murder, might now be the very thing to set her free.Subscribe to The Age & SMH: https://subscribe.smh.com.au/See omnystudio.com/listener for privacy information.

Most Australians know the name Lindy Chamberlain. She's famously the victim of what's been called “the most notorious miscarriage of justice” in Australian legal history. She was wrongfully convicted of murdering her nine-week old daughter, Azaria, during a camping trip at Uluru, and sentenced to life in prison.But how many people know about the murder conviction inquiry that's going on right now that could, as one expert put it recently, make the Chamberlain case pale into insignificance?Today, legal affairs reporter for The Sydney Morning Herald, Michaela Whitbourn, on the inquiry that could change the way our legal system handles evidence in murder trials. And why the diaries of Newcastle mother Kathleen Folbigg, which were once used to help convict her of murder, might now be the very thing to set her free.Subscribe to The Age & SMH: https://subscribe.smh.com.au/See omnystudio.com/listener for privacy information.

Footage from last month's Invasion Day rallies around Australia featured speakers urging those gathered to vote ‘No' in the promised Indigenous Voice to Parliament referendum expected later this year. Most Australians would think the vast majority of First Nations people would support a ‘Yes' vote – but that's not necessarily the case.   In this two-part special, we speak to advocates from both sides of the debate so we can better understand what's at stake when we eventually get our chance to vote in the referendum. In this episode, we hear from Bridget Cama, who is Co-Chair of the Uluru Youth Dialogue, a law graduate and Wiradjuri and Pasifika Fijian woman. She tells us why she's supporting the voice.   Headlines:- One year on: Ukraine war- Sydney cold case finally closed- Russians behind Medibank hack- The Voice ‘Yes' campaign launches   Follow The Briefing: Instagram: @thebriefingpodcast Facebook: TheBriefingNewsAUTwitter: @TheBriefingAUSee omnystudio.com/listener for privacy information.

Footage from last month's Invasion Day rallies around Australia featured speakers urging those gathered to vote ‘No' in the promised Indigenous Voice to Parliament referendum expected later this year. Most Australians would think the vast majority of First Nations people would support a ‘Yes' vote – but that's not necessarily the case.   In this two-part special, we speak to advocates from both sides of the debate so we can better understand what's at stake when we eventually get our chance to vote in the referendum. In this episode, we hear from a proud Bundjalung woman and human rights advocate, Vanessa Turnbull Roberts, about why she's opposing the voice. Headlines: - Biggest fall in real wages on record- Tech companies issued please explain over child abuse- Sampa The Great pulls out of Bluesfest- ‘Yes' campaign for the Voice kicks off   Follow The Briefing: Instagram: @thebriefingpodcast Facebook: TheBriefingNewsAUTwitter: @TheBriefingAU  See omnystudio.com/listener for privacy information.

Most Australians were hoping for a year that was less challenging however 2022 turned out to be as much of a roller-coaster ride. - Pagbangon sa pandemya, isyu sa pulitika, hamon sa gobyerno at marami pang iba ang balikan sa ulat na ito.

Most Australians surveyed in a new report have identified climate change as their number one global concern, ahead of armed conflict. It comes as world leaders meet in Egypt for the United Nations climate talks [6- 18 Nov 2022]. A story by Omoh Bello, SBS News & Produced by RaySel for SBS Tamil. - உலகை நெருக்கும் பல பிரச்சனைகள் இருந்தாலும், உலக மக்களையும், குறிப்பாக பெரும்பான்மை ஆஸ்திரேலிய மக்களையும் அதிக கவலை கொள்ள வைக்கும் பிரச்சனை கால நிலை மாற்றம் என்று ஆய்வுகள் கூறுகின்றன. இது தொடர்பான விவரணம். ஆங்கில மூலம் SBS Newsஇன் Omoh Bello. தமிழில் றைசெல்.

Most Australians aged 40 and under say they'd quit school or their job to become an “influencer” on social media, according to new research.See omnystudio.com/listener for privacy information.

Most Australians now see China as a military threat to our region, as is the war between Russia and Ukraine.  That's among the findings in the 2022 Lowy Institute Poll, which also reveals security has overtaken Australians' concerns about COVID-19 and climate change.  - Повеќето Австралијци сега ја гледаат Кина како воена закана за нашиот регион, исто како и војната меѓу Русија и Украина.  Тоа е еден од наодите во анкетата на институтот Лови во 2022 година, која исто така открива дека безбедноста ја надминала загриженоста на Австралијците за КОВИД-19 и климатските промени.

Most Australians now see China as a military threat to our region, as is the war between Russia and Ukraine. That's among the findings in the 2022 Lowy Institute Poll, which also reveals security has overtaken Australians' concerns about COVID-19 and climate change. The Lowy Institute's 18th annual survey reveals these are the international issues most concerning to Australians.

Most Australians now see China as a military threat to our region, as is the war between Russia and Ukraine. - オーストラリア人のあいだで安全保障への懸念が目立って高まるなか、気候変動への懸念も高止まりしています。

Russian invasion, China lead public fears Russia's invasion of Ukraine and potential conflict over Taiwan have topped Australia's concerns, according to a new poll. A large majority of Australians see China as a military threat while confidence in President Xi Jinping sits at record lows, new Lowy Institute research reveals. Most Australians would support the defence force becoming engaged in a conflict between Taiwan and China with concerns about a potential war outstripping the previously leading concerns over COVID-19 and climate change. This is just my opinion. J Fallon Apple Music J Fallon Spotify J Fallon YouTube The Slippery Slope Apple Podcasts The Slippery Slope YouTube The Slippery Slope Stitcher --- Send in a voice message: https://anchor.fm/jason-fallon/message

Western Australia succeeds in succeeding, the Religious Discrimination bill is bad and aged care is in cri—.   International news Western Australia is cut off from the nation, with their only rail link flooded out. As a result of this, WA is running out of water treatment chemicals. Mining magnate Gina Rinehart has advocated using nuclear bombs to mine iron ore. Religious discrimination Mitch was on the Drum! The Federal government is still pushing their pet “Religious Discrimination” bill. The Labor party has said they'll conditionally support it. Citipointe Christian College has made students sign an enrollment form confirming that they are not trans. Most Australians don't even want this thing! Aged care is in cri— PM Scott Morrison almost called the situation in aged care homes a crisis. The Aged Care minister went to the cricket instead of going to an inquiry on the situation. Aged care workers are going to be paid a one-time bonus of $800. Listen to a cool podcast called Not Good Enough talk about royal commissions. Textgate At the big press conference for losers, Scott Morrison was called a psycho. Everyone in Canberra hates each other. Malcolm Turnbull calling Mathias Cormann “weak and treacherous”. Post-leadership spill: “It is not over, fight continues, f*** (Morrison).”, Senior minister calling staffer Brittney Higgins “a lying cow”. Peter Van Onselen has been named in a bullying complaint at Channel 10. Barnaby Joyce's fiance wrote an article headlined “Coward Cabinet Minister Who Leaked Texts Should Quit”. Later that afternoon texts were leaked showing Joyce calling Scott Morrison a hypocrite and a liar. Shoutouts Solidarity with Vanuatuan seasonal worker Sergio, who had wages stolen and organised a strike with fellow workers. The Antipoverty Center is running a fundraiser for their Abolish Work for the Dole campaign. Isaac's cute little numbers game.

Most Australians now think racism is a 'very big' problem. That's a profound shift from a year ago, says the Scanlon Foundation's annual Mapping Social Cohesion Report for 2021. The survey covers a range of issues affecting Australia's multicultural society, including immigration, cultural diversity and discrimination. - Il-biċċa l-kbira tan-nies fl-Awstralja issa jaħsbu li r-razziżmu fl-Awstralja huwa problema kbira. Din hija bidla kbira minn sena ilu, skont ir-rapport ta' kull sena mill-Fondazzjoni Scanlon dwar il-Koeżjoni Soċjali. Ir-rapport ikopri diversi kwistjonijiet li jaffettwaw is-soċjetà multikulturali fl-Awstralja, inkluża l-immigrazzjoni, id-divesità kulturali u d-diskriminazzjoni.

Most Australians know that Christians believe in Jesus who died on a cross. But do they know what that means?

Most Australians know that Christians believe in Jesus who died on a cross. But do they know what that means?

Most Australians will use antibiotics in our lifetimes but there is a lot we don't understand about how they work. In Episode 1 of our series we find out how most of us use antibiotics, what we know about them and what we get wrong. We hear stories about some of the most common uses of antibiotics, the uncertainty about when we need them and the fear that drives us to seek them when we may not, particularly for our children. We learn that antimicrobial resistance is a more complex issue than we can imagine – and why we're making this podcast.Here is a link to Davina's 2020 study:Role crisis, risk and trust in Australian general public narratives about antibiotic use and antimicrobial resistanceThere is some great information on antimicrobial resistance (AMR) from the Australian government here:https://www.amr.gov.auAnd from the World Health Organisation (WHO):https://www.who.int/health-topics/antimicrobial-resistanceFor more info on World Antimicrobial Awareness Week 2021 (18-24 November) head here:https://www.who.int/campaigns/world-antimicrobial-awareness-week/2021Host and producer: Dr Britta Jorgensen. Producers: Sarah Mashman and Silvi Vann-Wall. Executive Producer: Professor Mia Lindgren.

在喜马拉雅已支持实时字幕关注公众号“高效英语磨耳朵”获取文稿和音频词汇提示1.hemisphere 半球2.remote 遥远的3.outback 内陆4.ranched 牧场5.harsh 恶劣的6.thick lush vegetation 茂密的植被7.exotic 异国风情的8.coral 珊瑚9.reef 暗礁10.barrier 障碍11.category 类别12.marsupial 有袋动物13.pouch 育儿袋14.hopping 跳跃15.eucalyptus 桉树原文Australia：NatureAustralia is the only country in the world that is also a continent.Located in the southern hemisphere，between the Pacific and Indian Oceans，Australia is also one of the largest countries in the world.Despite its vast size，Australia does not have a large population.In the year 2000，there were about 19 million people in Australia.Most Australians live within a short distance of the ocean，because much of the interior of Australia is extremely dry.The remote areas of Australia，known as the“outback”，contains several sandy，rocky deserts.Some parts of the outback receive somewhat rainfall，and can support some grassy vegetables.In these areas，there are many ranches or farms，where sheep and cattle are raised.Although the outback of Australia is a harsh place，some parts of it are quite beautiful.In the middle of the Australia continent，a large red rock known as Uluru stands in the deserts.It is nearly 350 meters tall and is nearly 10 kilometers around.Tourists come from all over the world to see this huge and beautiful rock in the middle of a flat desert.In contrast to the dry interior areas，the northern coast of Australia receive a great deal of rainfall.This area is covered in thick，lush vegetation，with tropic rainforests whose exotic trees and flowers are found nowhere else in the world.Off the north-east coast of the continent，a large coral reef known as the Great Barrier Reef if found.A coral reef is a structure that consists of the bodies of small underwater animal called coral，whose dead bodies created this unusual structure beneath the surface of the water.The reef and the underwater life surrounding it are especially beautiful.Australia was separated from the rest of the world for millions of years.As a result，many of the plants and animals species in Australia are very different those in other parts of the world.For example，many of the animals in Australia belong to a special category called the“marsupials”.Marsupials are mammals，but they are a special kind of mammal，because they give birth to offspring that are not yet well developed.In many marsupials，the offspring continue to develop，after being born，inside a pocket or“pouch”on the mother's body.The most famous marsupial is the kangaroo.Kangaroos can travel at great speeds by hopping on their hind legs and using their large tails for balance.The kangaroo is a rather large animal，with the large individuals sometimes weighing 90 kilograms.Another famous marsupial is the koala.This animal sometimes is called a koala bear，because it looks somewhat like a small bear.The koala lives in branches of trees called eucalyptus trees.Koala eats the leaves of eucalyptus trees.Of course，Australia also has people.We will discuss the people of Australia in the next passage.Australia is the only country in the world that is also a continent.Located in the southern hemisphere，between the Pacific and Indian Oceans，Australia is also one of the largest countries in the world.Despite its vast size，Australia does not have a large population.In the year 2000，there were about 19 million people in Australia.Most Australians live within a short distance of the ocean，because much of the interior of Australia is extremely dry.The remote areas of Australia，known as the“outback”，contains several sandy，rocky deserts.Some parts of the outback receive somewhat rainfall，and can support some grassy vegetables.In these areas，there are many ranches or farms，where sheep and cattle are raised.Although the outback of Australia is a harsh place，some parts of it are quite beautiful.In the middle of the Australia continent，a large red rock known as Uluru stands in the deserts.It is nearly 350 meters tall and is nearly 10 kilometers around.Tourists come from all over the world to see this huge and beautiful rock in the middle of a flat desert.In contrast to the dry interior areas，the northern coast of Australia receive a great deal of rainfall.This area is covered in thick，lush vegetation，with tropic rainforests whose exotic trees and flowers are found nowhere else in the world.Off the north-east coast of the continent，a large coral reef known as the Great Barrier Reef if found.A coral reef is a structure that consists of the bodies of small underwater animal called coral，whose dead bodies created this unusual structure beneath the surface of the water.The reef and the underwater life surrounding it are especially beautiful.Australia was separated from the rest of the world for millions of years.As a result，many of the plants and animals species in Australia are very different those in other parts of the world.For example，many of the animals in Australia belong to a special category called the“marsupials”.Marsupials are mammals，but they are a special kind of mammal，because they give birth to offspring that are not yet well developed.In many marsupials，the offspring continue to develop，after being born，inside a pocket or“pouch”on the mother's body.The most famous marsupial is the kangaroo.Kangaroos can travel at great speeds by hopping on their hind legs and using their large tails for balance.The kangaroo is a rather large animal，with the large individuals sometimes weighing 90 kilograms.Another famous marsupial is the koala.This animal sometimes is called a koala bear，because it looks somewhat like a small bear.The koala lives in branches of trees called eucalyptus trees.Koala eats the leaves of eucalyptus trees.Of course，Australia also has people.We will discuss the people of Australia in the next passage.

在喜马拉雅已支持实时字幕关注公众号“高效英语磨耳朵”获取文稿和音频词汇提示1.hemisphere 半球2.remote 遥远的3.outback 内陆4.ranched 牧场5.harsh 恶劣的6.thick lush vegetation 茂密的植被7.exotic 异国风情的8.coral 珊瑚9.reef 暗礁10.barrier 障碍11.category 类别12.marsupial 有袋动物13.pouch 育儿袋14.hopping 跳跃15.eucalyptus 桉树原文Australia：NatureAustralia is the only country in the world that is also a continent.Located in the southern hemisphere，between the Pacific and Indian Oceans，Australia is also one of the largest countries in the world.Despite its vast size，Australia does not have a large population.In the year 2000，there were about 19 million people in Australia.Most Australians live within a short distance of the ocean，because much of the interior of Australia is extremely dry.The remote areas of Australia，known as the“outback”，contains several sandy，rocky deserts.Some parts of the outback receive somewhat rainfall，and can support some grassy vegetables.In these areas，there are many ranches or farms，where sheep and cattle are raised.Although the outback of Australia is a harsh place，some parts of it are quite beautiful.In the middle of the Australia continent，a large red rock known as Uluru stands in the deserts.It is nearly 350 meters tall and is nearly 10 kilometers around.Tourists come from all over the world to see this huge and beautiful rock in the middle of a flat desert.In contrast to the dry interior areas，the northern coast of Australia receive a great deal of rainfall.This area is covered in thick，lush vegetation，with tropic rainforests whose exotic trees and flowers are found nowhere else in the world.Off the north-east coast of the continent，a large coral reef known as the Great Barrier Reef if found.A coral reef is a structure that consists of the bodies of small underwater animal called coral，whose dead bodies created this unusual structure beneath the surface of the water.The reef and the underwater life surrounding it are especially beautiful.Australia was separated from the rest of the world for millions of years.As a result，many of the plants and animals species in Australia are very different those in other parts of the world.For example，many of the animals in Australia belong to a special category called the“marsupials”.Marsupials are mammals，but they are a special kind of mammal，because they give birth to offspring that are not yet well developed.In many marsupials，the offspring continue to develop，after being born，inside a pocket or“pouch”on the mother's body.The most famous marsupial is the kangaroo.Kangaroos can travel at great speeds by hopping on their hind legs and using their large tails for balance.The kangaroo is a rather large animal，with the large individuals sometimes weighing 90 kilograms.Another famous marsupial is the koala.This animal sometimes is called a koala bear，because it looks somewhat like a small bear.The koala lives in branches of trees called eucalyptus trees.Koala eats the leaves of eucalyptus trees.Of course，Australia also has people.We will discuss the people of Australia in the next passage.Australia is the only country in the world that is also a continent.Located in the southern hemisphere，between the Pacific and Indian Oceans，Australia is also one of the largest countries in the world.Despite its vast size，Australia does not have a large population.In the year 2000，there were about 19 million people in Australia.Most Australians live within a short distance of the ocean，because much of the interior of Australia is extremely dry.The remote areas of Australia，known as the“outback”，contains several sandy，rocky deserts.Some parts of the outback receive somewhat rainfall，and can support some grassy vegetables.In these areas，there are many ranches or farms，where sheep and cattle are raised.Although the outback of Australia is a harsh place，some parts of it are quite beautiful.In the middle of the Australia continent，a large red rock known as Uluru stands in the deserts.It is nearly 350 meters tall and is nearly 10 kilometers around.Tourists come from all over the world to see this huge and beautiful rock in the middle of a flat desert.In contrast to the dry interior areas，the northern coast of Australia receive a great deal of rainfall.This area is covered in thick，lush vegetation，with tropic rainforests whose exotic trees and flowers are found nowhere else in the world.Off the north-east coast of the continent，a large coral reef known as the Great Barrier Reef if found.A coral reef is a structure that consists of the bodies of small underwater animal called coral，whose dead bodies created this unusual structure beneath the surface of the water.The reef and the underwater life surrounding it are especially beautiful.Australia was separated from the rest of the world for millions of years.As a result，many of the plants and animals species in Australia are very different those in other parts of the world.For example，many of the animals in Australia belong to a special category called the“marsupials”.Marsupials are mammals，but they are a special kind of mammal，because they give birth to offspring that are not yet well developed.In many marsupials，the offspring continue to develop，after being born，inside a pocket or“pouch”on the mother's body.The most famous marsupial is the kangaroo.Kangaroos can travel at great speeds by hopping on their hind legs and using their large tails for balance.The kangaroo is a rather large animal，with the large individuals sometimes weighing 90 kilograms.Another famous marsupial is the koala.This animal sometimes is called a koala bear，because it looks somewhat like a small bear.The koala lives in branches of trees called eucalyptus trees.Koala eats the leaves of eucalyptus trees.Of course，Australia also has people.We will discuss the people of Australia in the next passage.

在喜马拉雅已支持实时字幕关注公众号“高效英语磨耳朵”获取文稿和音频词汇提示1.hemisphere 半球2.remote 遥远的3.outback 内陆4.ranched 牧场5.harsh 恶劣的6.thick lush vegetation 茂密的植被7.exotic 异国风情的8.coral 珊瑚9.reef 暗礁10.barrier 障碍11.category 类别12.marsupial 有袋动物13.pouch 育儿袋14.hopping 跳跃15.eucalyptus 桉树原文Australia：NatureAustralia is the only country in the world that is also a continent.Located in the southern hemisphere，between the Pacific and Indian Oceans，Australia is also one of the largest countries in the world.Despite its vast size，Australia does not have a large population.In the year 2000，there were about 19 million people in Australia.Most Australians live within a short distance of the ocean，because much of the interior of Australia is extremely dry.The remote areas of Australia，known as the“outback”，contains several sandy，rocky deserts.Some parts of the outback receive somewhat rainfall，and can support some grassy vegetables.In these areas，there are many ranches or farms，where sheep and cattle are raised.Although the outback of Australia is a harsh place，some parts of it are quite beautiful.In the middle of the Australia continent，a large red rock known as Uluru stands in the deserts.It is nearly 350 meters tall and is nearly 10 kilometers around.Tourists come from all over the world to see this huge and beautiful rock in the middle of a flat desert.In contrast to the dry interior areas，the northern coast of Australia receive a great deal of rainfall.This area is covered in thick，lush vegetation，with tropic rainforests whose exotic trees and flowers are found nowhere else in the world.Off the north-east coast of the continent，a large coral reef known as the Great Barrier Reef if found.A coral reef is a structure that consists of the bodies of small underwater animal called coral，whose dead bodies created this unusual structure beneath the surface of the water.The reef and the underwater life surrounding it are especially beautiful.Australia was separated from the rest of the world for millions of years.As a result，many of the plants and animals species in Australia are very different those in other parts of the world.For example，many of the animals in Australia belong to a special category called the“marsupials”.Marsupials are mammals，but they are a special kind of mammal，because they give birth to offspring that are not yet well developed.In many marsupials，the offspring continue to develop，after being born，inside a pocket or“pouch”on the mother's body.The most famous marsupial is the kangaroo.Kangaroos can travel at great speeds by hopping on their hind legs and using their large tails for balance.The kangaroo is a rather large animal，with the large individuals sometimes weighing 90 kilograms.Another famous marsupial is the koala.This animal sometimes is called a koala bear，because it looks somewhat like a small bear.The koala lives in branches of trees called eucalyptus trees.Koala eats the leaves of eucalyptus trees.Of course，Australia also has people.We will discuss the people of Australia in the next passage.Australia is the only country in the world that is also a continent.Located in the southern hemisphere，between the Pacific and Indian Oceans，Australia is also one of the largest countries in the world.Despite its vast size，Australia does not have a large population.In the year 2000，there were about 19 million people in Australia.Most Australians live within a short distance of the ocean，because much of the interior of Australia is extremely dry.The remote areas of Australia，known as the“outback”，contains several sandy，rocky deserts.Some parts of the outback receive somewhat rainfall，and can support some grassy vegetables.In these areas，there are many ranches or farms，where sheep and cattle are raised.Although the outback of Australia is a harsh place，some parts of it are quite beautiful.In the middle of the Australia continent，a large red rock known as Uluru stands in the deserts.It is nearly 350 meters tall and is nearly 10 kilometers around.Tourists come from all over the world to see this huge and beautiful rock in the middle of a flat desert.In contrast to the dry interior areas，the northern coast of Australia receive a great deal of rainfall.This area is covered in thick，lush vegetation，with tropic rainforests whose exotic trees and flowers are found nowhere else in the world.Off the north-east coast of the continent，a large coral reef known as the Great Barrier Reef if found.A coral reef is a structure that consists of the bodies of small underwater animal called coral，whose dead bodies created this unusual structure beneath the surface of the water.The reef and the underwater life surrounding it are especially beautiful.Australia was separated from the rest of the world for millions of years.As a result，many of the plants and animals species in Australia are very different those in other parts of the world.For example，many of the animals in Australia belong to a special category called the“marsupials”.Marsupials are mammals，but they are a special kind of mammal，because they give birth to offspring that are not yet well developed.In many marsupials，the offspring continue to develop，after being born，inside a pocket or“pouch”on the mother's body.The most famous marsupial is the kangaroo.Kangaroos can travel at great speeds by hopping on their hind legs and using their large tails for balance.The kangaroo is a rather large animal，with the large individuals sometimes weighing 90 kilograms.Another famous marsupial is the koala.This animal sometimes is called a koala bear，because it looks somewhat like a small bear.The koala lives in branches of trees called eucalyptus trees.Koala eats the leaves of eucalyptus trees.Of course，Australia also has people.We will discuss the people of Australia in the next passage.

词汇提示1.hemisphere 半球2.remote 遥远的3.outback 内陆4.ranched 牧场5.harsh 恶劣的6.thick lush vegetation 茂密的植被7.exotic 异国风情的8.coral 珊瑚9.reef 暗礁10.barrier 障碍11.category 类别12.marsupial 有袋动物13.pouch 育儿袋14.hopping 跳跃15.eucalyptus 桉树原文Australia：NatureAustralia is the only country in the world that is also a continent.Located in the southern hemisphere，between the Pacific and Indian Oceans，Australia is also one of the largest countries in the world.Despite its vast size，Australia does not have a large population.In the year 2000，there were about 19 million people in Australia.Most Australians live within a short distance of the ocean，because much of the interior of Australia is extremely dry.The remote areas of Australia，known as the“outback”，contains several sandy，rocky deserts.Some parts of the outback receive somewhat rainfall，and can support some grassy vegetables.In these areas，there are many ranches or farms，where sheep and cattle are raised.Although the outback of Australia is a harsh place，some parts of it are quite beautiful.In the middle of the Australia continent，a large red rock known as Uluru stands in the deserts.It is nearly 350 meters tall and is nearly 10 kilometers around.Tourists come from all over the world to see this huge and beautiful rock in the middle of a flat desert.In contrast to the dry interior areas，the northern coast of Australia receive a great deal of rainfall.This area is covered in thick，lush vegetation，with tropic rainforests whose exotic trees and flowers are found nowhere else in the world.Off the north-east coast of the continent，a large coral reef known as the Great Barrier Reef if found.A coral reef is a structure that consists of the bodies of small underwater animal called coral，whose dead bodies created this unusual structure beneath the surface of the water.The reef and the underwater life surrounding it are especially beautiful.Australia was separated from the rest of the world for millions of years.As a result，many of the plants and animals species in Australia are very different those in other parts of the world.For example，many of the animals in Australia belong to a special category called the“marsupials”.Marsupials are mammals，but they are a special kind of mammal，because they give birth to offspring that are not yet well developed.In many marsupials，the offspring continue to develop，after being born，inside a pocket or“pouch”on the mother's body.The most famous marsupial is the kangaroo.Kangaroos can travel at great speeds by hopping on their hind legs and using their large tails for balance.The kangaroo is a rather large animal，with the large individuals sometimes weighing 90 kilograms.Another famous marsupial is the koala.This animal sometimes is called a koala bear，because it looks somewhat like a small bear.The koala lives in branches of trees called eucalyptus trees.Koala eats the leaves of eucalyptus trees.Of course，Australia also has people.We will discuss the people of Australia in the next passage.Australia is the only country in the world that is also a continent.Located in the southern hemisphere，between the Pacific and Indian Oceans，Australia is also one of the largest countries in the world.Despite its vast size，Australia does not have a large population.In the year 2000，there were about 19 million people in Australia.Most Australians live within a short distance of the ocean，because much of the interior of Australia is extremely dry.The remote areas of Australia，known as the“outback”，contains several sandy，rocky deserts.Some parts of the outback receive somewhat rainfall，and can support some grassy vegetables.In these areas，there are many ranches or farms，where sheep and cattle are raised.Although the outback of Australia is a harsh place，some parts of it are quite beautiful.In the middle of the Australia continent，a large red rock known as Uluru stands in the deserts.It is nearly 350 meters tall and is nearly 10 kilometers around.Tourists come from all over the world to see this huge and beautiful rock in the middle of a flat desert.In contrast to the dry interior areas，the northern coast of Australia receive a great deal of rainfall.This area is covered in thick，lush vegetation，with tropic rainforests whose exotic trees and flowers are found nowhere else in the world.Off the north-east coast of the continent，a large coral reef known as the Great Barrier Reef if found.A coral reef is a structure that consists of the bodies of small underwater animal called coral，whose dead bodies created this unusual structure beneath the surface of the water.The reef and the underwater life surrounding it are especially beautiful.Australia was separated from the rest of the world for millions of years.As a result，many of the plants and animals species in Australia are very different those in other parts of the world.For example，many of the animals in Australia belong to a special category called the“marsupials”.Marsupials are mammals，but they are a special kind of mammal，because they give birth to offspring that are not yet well developed.In many marsupials，the offspring continue to develop，after being born，inside a pocket or“pouch”on the mother's body.The most famous marsupial is the kangaroo.Kangaroos can travel at great speeds by hopping on their hind legs and using their large tails for balance.The kangaroo is a rather large animal，with the large individuals sometimes weighing 90 kilograms.Another famous marsupial is the koala.This animal sometimes is called a koala bear，because it looks somewhat like a small bear.The koala lives in branches of trees called eucalyptus trees.Koala eats the leaves of eucalyptus trees.Of course，Australia also has people.We will discuss the people of Australia in the next passage.

Dame Nellie Melba was Australia's first international superstar, taking Europe and America by storm with a voice that thrilled the world. Most Australians imagine an imperious Dame dressed in furs and large hats, but behind the public facade lies a story of a young woman struggling to overcome social expectations in pursuit of a dream.After surviving an abusive marriage she found true love with a would-be King of France, an affair that brought both scandal and personal fulfilment into a life that characterised by both suffering an enormous international success.In this episode Gregory Dobbs chats to Robert Wainwright about the life and loves, the triumphs and the disappointments of a talented woman finding her way in the world.

Dame Nellie Melba was Australia's first international superstar, taking Europe and America by storm with a voice that thrilled the world. Most Australians imagine an imperious Dame dressed in furs and large hats, but behind the public facade lies a story of a young woman struggling to overcome social expectations in pursuit of a dream. After surviving an abusive marriage she found true love with a would-be King of France, an affair that brought both scandal and personal fulfilment into a life that characterised by both suffering an enormous international success. In this episode Gregory Dobbs chats to Robert Wainwright about the life and loves, the triumphs and the disappointments of a talented woman finding her way in the world.

Most Australians wouldn't have given too much thought to the Reserve Bank of Australia. Apart from when it changes official interest rates following its monthly meetings, the role and importance of the RBA, and its governor Phil Lowe, is little understood or even acknowledged. But the Reserve Bank is now facing rare criticisms by leading economists for not having met its core targets for nearly a decade. And this week, international think tank the OECD has called for a review of the RBA. A call since endorsed by Treasurer Josh Frydenberg, who said he'd consider a review after the next election. And with the Federal ALP previously calling for an independent review of the Reserve Bank in April, it's increasingly likely the RBA will next year face its first independent review in 40 years. Watch Brendan Coates, Economic Policy Program Director, discuss the role of the RBA and whether it should be reviewed with Kat Clay, Head of Digital Communication. For more information, visit: https://grattan.edu.au/

Most Australians want state borders thrown open during the pandemic despite the threat of Covid-19 infections, with vaccination the key to freedom. Families who rely on unhealthy diets have worse mental health and wellbeing than those who largely avoid meals packed with sugar, fat and salt. South Australians were fleeced out of nearly $2m more in elaborate scams last year than in 2019-20, as police warn they are cracking down on “borderless criminals”.  And in sport, Adelaide coach Matthew Nicks says Taylor Walker has “known for a number of weeks” that he is wanted at the club by him in 2022.  For updates and breaking news throughout the day, take out a subscription atadvertiser.com.au  See omnystudio.com/listener for privacy information.

Most Australians use a tax agent or accountant to manage their returns and sort out complex deductions – it's a deductable cost. What if everyone was entitled to a $3000 annual standard tax deduction? Plus, an unlikely coalition of parenting, union and business groups call on the Federal Government to prioritise economic security for women in next month's budget. And the value of trust in digital retail.Guests:Michelle O'Neil, President, Australian Council of Trade UnionsSteven Hamilton, Chief Economist, Blueprint Institute Emma Beal, Researcher, Blueprint InstituteProfessor Michael Rosemann, Director, QUT Centre for Future Enterprise

A fringe benefits tax rebate could be on the cards in a bid to bring back the long lunch. Most Australians aged over 50 will only be allowed to have the AstraZeneca vaccine for now A possible electrical fault has been blamed for the disappearance of an Indonesian submarine  Parramatta front-rowers Junior Paulo and Reagan Campbell-Gillard are under pressure to retain their NSW spots  See omnystudio.com/listener for privacy information.

Welcome to a jam-packed episode!    There's a lot of concern in the marketplace around real estate. Is capital growth dead? What will happen when the mortgage holiday ends? What will investors do when their tenant's JobKeeper ends?   On this episode we'll discuss all of this and more -    1:35 - Will real estate grow into the future? 2:35 - Coronavirus Frustrations 5:37 - Making money whilst you nap 6:21 - Capital growth is very much under threat 7:39 - Quality questions to ask before you invest 9:20 - Most Australians are broke 10:15 - Australia's shrinking middle class 11:21 - Lifestyle tenants vs broke tenants (Long but GOOD) 15:55 - Struggle Street, Lake Weirdo & The Pensioner Economy  18:10 - 5 Investment Property Must Haves 19:31 - The challenge for property investors 24:00 - The rise of the broke renter is real 30:49 - Real Estate is holding itself together   Take care,  Sam   PS - If you haven't yet given this show a rating, I would LOVE it if you did. It helps lift the podcasts up the charts so more people can see it :)   And if you're yet to subscribe, be sure to do so on your favourite channel.    Apple https://pre.fyi/upi-apple⁣⁣ Spotify - ⁣⁣https://pre.fyi/upi-spotify⁣⁣ Google Podcasts - https://pre.fyi/upi-google⁣⁣ YouTube - https://pre.fyi/upi-youtube

There are so many common misconceptions that people just don't question.  In fact, there's so much misinformation surrounding wealth creation, that in today's episode, I'm going to debunk 15 common myths.  If there's one thing I've learned, it's that you shouldn't allow these kinds of blanket statements to hold you back.  In this episode we'll explore these statements and help you avoid the “woulda, coulda, shouldas.” Money doesn't discriminate; it doesn't care who you are or where you come from.  No matter what you did yesterday, today begins anew and you have the same rights and opportunities as everyone else to become wealthy. Yet the sad reality is that the majority of Australians will never achieve financial freedom. On the other hand a small group of Australian property investors become very wealthy. Today I'd like to explore the common myths about money that hold many people back from achieving their financial goals. Myth # 1: It takes money to make money Many Australians have untapped equity in their homes that they can use as seed capital for investments, while others will have to learn the discipline of saving to get some startup capital.  You don't need a fortune to begin making your first million; you just need to commit to making a start and stick with it. Myth # 2:  I don't make enough money Everyone makes enough money to become an investor. The truth is most people don't have an income problem, they have a spending problem. Look at your current wage and ask yourself; how much am I likely to earn over my lifetime? You've got to start living within your means, paying yourself first, saving a deposit for a property and investing in order to break your current pattern. Myth # 3: My job and superannuation will take care of my financial future If you accept my definition of financial freedom as having enough passive income to finance the lifestyle you desire, without having to work; you will never achieve this through your job or superannuation. Instead you will need to take control of your financial future by investing. Myth # 4:  I'm not smart enough In our country everybody has the ability and opportunity to become rich.  To reassure you that an education doesn't equal a financial fortune, here are a few multi-millionaires who never graduated from college: Bill Gates (Microsoft), Michael Dell (Dell Computers) and Steve Jobs (Apple). Myth # 5: Investing is complicated Developing your own financial freedom is only as complicated as you make it. Investing is no different. The key is to learn from the right people – those who've already achieved what you want to achieve. The process is also simplified when you select an investment niche such as residential property investment and develop specialist knowledge in that area. Myth # 6: Investing is risky Many people speculate when they think they are investing – they buy a property in a secondary location or off the plan “hoping” it will increase in value. Speculation is risky. On the other hand finding a property with an element of scarcity so it will always be in strong demand, in an area that has always outperformed the averages and buying it below its intrinsic value, is a proven investment strategy that minimises your risk. Myth # 7:  You have to know how to time the investment markets It's often said that timing is everything when investing, but that's not really the case.  Have you noticed how some investors do well in good times and do just as well in bad times, while others do poorly in good times and even worse in bad times? This suggests to me that it's not our external world that determines whether we make money; it's something inside us - our mindset. Myth # 8:  The rich are lucky The truth is that success in wealth creation is no more about luck than is success in anything else in life. To become wealthy you have to be in control of your finances and not count on good fortune. Myth # 9:  To become rich you must diversify Wrong! Yet that's what most financial planners suggest isn't it? Diversification leads to an average outcome. Myth # 10: Paying off your house provides security The problem here is that once you've paid off your house, you end up with idle equity sitting under your roof doing nothing; equity you could use as a deposit to buy an investment property and grow your wealth. Myth # 11: All the good investments are taken That's not true – opportunities are always out there – in every market. Sure, all of yesterday's deals have been taken, but tomorrow's deals have not. Someone will snap them up. Why shouldn't it be you? Myth # 12:  If you want to do it right, you have to do it yourself There's no such thing as a self made millionaire. All successful property investors have a good team of professional advisors and supportive mentors around them.  The rich recognise that they can't be an expert in all aspects of wealth creation, so they find a team of experts they can lead in order to help them achieve their goals. Myth # 13:  I've done everything wrong! It's too late There are many success stories of people who conquered all sorts of adversity, or started investing later in life and ended up achieving financial freedom. In fact Ray Croc was over 50 years old when he built his very first fast food outlet. You might have heard of it – it's called McDonald's. Myth # 14: Debt is bad Most Australians believe debt is a dirty word, but not all debt is bad. Savvy property investors know how to use good debt to buy appreciating assets. Myth # 15: It doesn't matter what I want – I just can't do it Subscribing to this myth is almost a guarantee of failure, because our beliefs and perceptions become our reality. There's no way money can know who's in control of it, what their qualifications are, what ambitions they have or what they're going to do with it. Money is there to be used and spent, saved and invested. It can't judge whether you're worthy or not. Now that you understand some of the myths that have held so many people back, the good news is you can do things differently. Choose to change your beliefs to produce outrageous results and reach every goal you set. Links and Resources:  Michael Yardney Metropole Property Strategists Metropole's Strategic Property Plan – to help both beginning and experienced investors Some of our favourite quotes from the show:  “Despite what some people believe, it doesn't really take a lot of money to make money.” – Michael Yardney “Successful people come from different backgrounds and while some have university degrees, others never finished high school.” – Michael Yardney “It's never too late to learn how to invest. It's never too late to overcome your mistakes.” – Michael Yardney More details plus show notes here: Fifteen wealth myths that hold you back PLEASE LEAVE US A REVIEW Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how

In today's show, I'm going to teach you the most important money lesson you can teach your children to help them become successful in life.  This lesson is relevant to you as well, so even if you don't have children, you can learn something from listening to this episode.  Today's debt equals tomorrow's slavery  Limiting your debt obligations when you're younger will mean having more control over your personal finances later in life and avoid the financial chains that bind your freedom to choose how you live life.  He who dies with the most toys is not the victor The truth is possessions don't make for a rich life, it's the experiences and people – the things that money can't buy – that make you truly wealthy.  Taking responsibility makes you the master of your own destiny The truth is if you're courageous enough to cast a critical eye over your life, recognise you are where you are as a direct result of your own choices and take ownership of your decisions, you build confidence, self-esteem, and self-respect.  Patience and waiting is luck is made through hard work Understand the difference between wants and needs and recognise that all the money you spend on those material items you just ‘had to have' today, is less that you'll have to fund your retirement with tomorrow.  Luck is made through hard work While a handful of people have lucked out by winning the lottery, truly successful people do the hard yards to reach the pinnacle of their chosen field or endeavor.  You don't need millions to achieve financial freedom Financial freedom is not dependent on money itself, but on your relationship to it and the level of personal responsibility and fiscal discipline, you're prepared to exercise throughout life.  Spend less than you earn…and invest the rest Aim to invest at least 10 percent of your earnings and the power of compounding will take care of the rest. And speaking of the power of compounding…  Your youth won't last forever, so use it wisely Given enough time, compound interest is so effective that Albert Einstein called it the most powerful force in the universe.  The bottom line  Unless we teach our children good daily success habits and level the playing field, the rich will continue to get richer and the poor will continue to get poorer.  So it just might pay (literally) to give them a bit of your time.  The most important lesson to teach your children about money  Patient people are more likely to save their pennies than seek “easy” (and expensive) credit because they are happy to wait for a new car or big screen TV.  But we need to remember that this skill isn't natural for most people.  Humans are wired for instant gratification. That's one of the reasons many high-income earners are not ‘rich.'  You'll often find the more they earn, the more they spend and they end up on a treadmill where they tend to spend more than they earn because they need to support a lifestyle that has little or no enduring value but has high fixed costs to maintain.  Learning delayed gratification isn't easy but it can become a skill in your Rich Habit toolkit if you follow a few simple tips.  Write down a list of money goals and put them somewhere that you can see them every day.  Every time you're tempted to purchase something consider whether it's a want or a need.  We all can develop the Rich Habit of delaying gratification and accepting what good things are worth waiting for.  Links and Resources:  Michael Yardney Metropole Property Strategists Metropole's Strategic Property Plan – to help both beginning and experienced investors  Some of our favourite quotes from the show:  “Most Australians don't teach their children anything about money, meaning, we're raising our children to be financially illiterate.” –Michael Yardney  “The fact is, there's no such thing as rich victims.” –Michael Yardney  “When it comes to a gadget or a fad, most of us just don't have self-control.” –Michael Yardney   PLEASE LEAVE US A REVIEW  Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how  

Today's episode is unashamedly about becoming rich and getting more money.  I've often said that money's important in those areas where it's important and not important at all in other areas. But any problem that can be solved by money isn't really a problem, is it?  So please let me show you how you can obtain more money.  First of all, we're going to explain why property investors develop financial freedom. In my mindset moment, we'll talk about some of the money habits of the rich.  Then, I'm going to share the steps you need to take to develop financial freedom.  It's a process, it takes time. There are no get rich quick schemes here.  But if you're patient and follow a proven strategy, money doesn't discriminate. You can have as much of it as you want.  Why property investors develop financial freedom  We dream of it, work for it, and plan for it. But can the average Australian develop financial independence?  Yes.  If others have done it, you can too. Wealthy people don't do different things, they just do things differently. And you can learn to do the same.  Not everyone works hard for their money. The rich earn recurring passive income. That means that they control a money source that makes money for them even when they're not there. This is how business owners or property investors build wealth.  When it comes to how people make money, we can all be placed in one of four categories.  Employees – Employees trade hours for dollars. They really only get what's left after the government takes its share in taxes.  Self-Employed – a self-employed person owns a job. They want to be their own boss, but often they've simply swapped one boss for many bosses, called customers or clients. Self-employed people aren't business owners, but they do have an advantage over employees, in that they get to take advantage of tax deductions that allow them to pay their business expenses before being taxed on what's left over.  Business Owner – A business owner owns a system and people work for them. They don't have to be at work in order for the business to run. They invest their money in an idea and a business system, then let that investment – in the form of a business – work for them.  Investor – Investors don't have to work because their money works for them. This is the group that you want to belong to if you hope to be wealthy someday. Investors convert money into wealth. By building your own property portfolio with income-earning residential real estate, you are taking the steps to move from employee to investor.  Money Habits of the rich  The rich know how to work full-time at their job and part-time on building wealth. The rich save their money and spend what's left. Learn to live on 70% of your income after taxes. The rich contribute to their communities by giving to charity. Of the 30% of your income remaining, 10% of your income should go to charity. The remaining balance should go into savings. When you have sufficient savings, you can begin investing in growth assets.  The steps to financial freedom  Many Australians have chosen to invest in property to develop financial freedom and get themselves out of the rat race.  As they take their investment journey they fit into one of the following five Levels of Wealth. Let's have a look at these more closely and see where you sit:  Level 0 – Financial instability Since most Australians live from pay cheque to pay cheque, they are Financially Unstable. If they lose their job or have an emergency, such as an illness or the car breaks down, they have no money reserves to cope. Level 1 - Financial Stability To achieve this most basic level of wealth:  You've accumulated sufficient liquid assets (savings or money in a line of credit) to cover your current living expenses for a minimum of 6 months.  You have private medical insurance and some life insurance to protect you and your family's lifestyle should you become ill, disabled, unable to work or if worst comes to worst – suddenly die.   Level 2 - Financial Security Now you have accumulated sufficient assets, such as a substantial property portfolio, to generate enough passive income to cover your most basic expenses. These would include;  Your home mortgage and all home-related expenses. All your tax payments and the interest payments on your loans and debts. Your car expenses.  Your grocery bills and minimal living expenses.  Insurance premiums including medical, life, disability and your house.  Level 3 - Financial Freedom You're financially free when you have accumulated sufficient assets to generate enough passive income to pay for the lifestyle you desire, not necessarily your current lifestyle, and all of your expenses, without ever having to work again.  Level 4 - Financial Abundance A small group of sophisticated property investors achieves Financial Abundance when their portfolio works overtime. They're free of financial pressures and have so much surplus income that after paying for their lifestyle, all of their expenses and contributions to the community (often through charity work or donations), their asset base continues to grow.  Climbing to the top of the investment ladder  So how do you climb the rungs to the top of the property investment ladder and achieve financial abundance? Here are 4 steps you can take:  Decide you want to become wealthy. Most Australians dream of financial independence and want to be wealthy, but never make a firm commitment. If you don't truly commit, life gets in the way and you get sidetracked. Choose the date you're going to be financially free, then put it in writing, make a firm promise to yourself and tell others so you have no excuses.    Invest in your financial education. If you're a beginning investor focus on increasing your financial education. To fast track your success, keep reading books, going to seminars, watching DVD's and learning from people who've already achieved what you want to achieve.  Don't wait until you know it all to get started, because if you do, you'll never take the first step. One of the things I learned early in the piece is the paradox of knowledge: The more you learn, the more you realise you don't know.   How do you know when you know enough to start investing?   When you have the courage and conviction to take action, knowing that you'll never know it all, but you'll learn more along the way – educating yourself as you move up the investment ladder.  Surround yourself with like-minded people. There's no such thing as a “self-made millionaire”. Even financially independent investors surround themselves with a smart team of advisors and professionals as well as other like-minded individuals. Get a mentor, join an investment club and associate with others who have similar aims to you. If you stop associating with people who are negative and point out all the things that can go wrong, and instead surround yourself with people who are positive and will spur you forward, you'll reach your financial goals much quicker.     Links and Resources:  Michael Yardney Metropole Property Strategists Metropole's Strategic Property Plan – to help both beginning and experienced investors  Some of our favourite quotes from the show:  “The rich and the poor both start with the same amount of money. They just have a different philosophy.” –Michael Yardney  “Be really, really careful who you listen to. Because if you listen to what most people listen to, if you follow the people that most people follow, you'll never get to financial abundance, because that's not what they're aiming for.” –Michael Yardney  “The lovely thing about money is it really doesn't discriminate.” –Michael Yardney   PLEASE LEAVE US A REVIEW  Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how

Are you having money problems? Are you where you hoped to be financially at this stage of your life? Well…if you want to be in a better financial situation, then this week's show is for you because I'm going to debunk 15 Myths that could be killing your wealth potential.  You see…money doesn't discriminate; it doesn't care who you are or where you come from. No matter what you did yesterday, today begins anew and you have the same rights and opportunities as everyone else to become wealthy.  Yet the sad reality is that the majority of Australians will never achieve financial freedom.  So, join me in today's show as I explore the common myths about money that hold many people back from achieving their financial goals. Myth # 1: It takes money to make money Despite what some people believe, it doesn't really take a lot of money to make money. Many Australians have untapped equity in their homes that they can use as seed capital for investments, while others will have to learn the discipline of saving to get some start up capital. Then all they need to do is invest in high growth investments such as residential real estate and use the magic of compounding, leverage and time to grow their asset base. Myth # 2: I don't make enough money. Almost everyone makes enough money to become an investor. The truth is most people don't have an income problem, they have a spending problem. Look at your current wage and ask yourself; how much am I likely to earn over my lifetime? For most of us, the answer will probably be over a couple of million dollars. The problem is most of us spend as much as we earn. You've got to start living within your means, paying yourself first, saving a deposit for a property and investing in order to break your current pattern. Myth # 3: My job and superannuation will take care of my financial future. If you accept my definition of financial freedom as having enough passive income to finance the lifestyle you desire, without having to work; you will never achieve this through your job or superannuation. Instead you will need to take control of your financial future by investing. You just can't save your way to wealth Myth # 4: I'm not smart enough. In our country everybody has the ability and opportunity to become rich. Successful people come from different backgrounds and while some have university degrees, others never finished high school. To reassure you that an education doesn't equal a financial fortune, here are a few multi millionaires who never graduated from college: Bill Gates (Microsoft), Michael Dell (Dell Computers) and Steve Jobs (Apple). The truth is you can do whatever you want; not being smart enough is just another excuse. Myth # 5: Investing is complicated. Developing your own financial freedom is only as complicated as you make it. Sure gaining the knowledge to become financially independent is challenging, but many new things seem more difficult than they are until you develop an understanding of them. Investing is no different. It's easier than ever before to learn the fundamentals of wealth creation, with limitless tools available in today's high tech, info-laden world. The key is to learn from the right people – those who've already achieved what you want to achieve. Myth # 6: Investing is risky. The dictionary definition of “invest” is: “To commit (money or capital) in order to gain a financial return.” The word “risk” doesn't even get a look in. However, many people speculate when they think they are investing – they buy a property in a secondary location or off the plan “hoping” it will increase in value. Speculation is risky. On the other hand, finding a property with an element of scarcity so it will always be in strong demand, in an area that has always outperformed the averages and buying it below its intrinsic value, is a proven investment strategy that minimises your risk. Myth # 7: You have to know how to time the investment markets. It's often said that timing is everything when investing, but that's not really the case. Sure timing matters – you don't want to buy property at the peak of the boom, but successful investors find that timing isn't really that important. Have you noticed how some investors do well in good times and do just as well in bad times, while others do poorly in good times and even worse in bad times? The truth is, successful investors know how to create wealth at any point in the property cycle while unsuccessful investors manage to lose money at the same stages of the cycle. This suggests to me that it's not our external world that determines whether we make money; it's something inside us – our mindset. Myth # 8:  The rich are lucky. The truth is that success in wealth creation is no more about luck than is success in anything else in life. To become wealthy you have to be in control of your finances and not count on good fortune. When you have a proven investment system or strategy, luck becomes unnecessary. I've played Monopoly a couple of times with some financially intelligent people and I realise now that, contrary to what I thought when I was young, it's not a game of luck. Good players know the right spots on the board to get the best return on their investments. They know how to acquire and control the best “monopolies” in order to collect the highest rents. They've learned to negotiate and find ways to make great deals. They've learned how to take the luck out of Monopoly and consistently win big as a result. To me, this sounds a whole lot like the real world of investing. You need to learn how to take the luck out of wealth creation and instead develop smart strategies to get ahead. First you need to learn how to play the game, and then you need to know how to win the game. Myth # 9:  To become rich you must diversify. Wrong! Yet that's what most financial planners suggest isn't it? Diversification leads to an average outcome. I've found that successful investors don't diversify -they cultivate the skills required to make better, smarter investing decisions and specialise in one niche. “Wide diversification is only required when investors do not understand what they are doing”  Warren Buffett  “Many financial advisors recommend that you diversify for your own protection. What they fail to tell you is that it is also for their protection. Since most financial advisors cannot tell you exactly which stock or mutual fund is a great investment, they tell you to buy a bunch of them” Robert Kiyosaki  Myth # 10: Paying off your house provides security. This is one of the old myths many of us learned from our parents, who probably learned it from their parents. But it doesn't make sense in the new financial era. The problem here is that once you've paid off your house, you end up with idle equity sitting under your roof doing nothing; equity you could use as a deposit to buy an investment property and grow your wealth. Myth # 11: All the good investments are taken. Opportunities are always out there – in every market. Sometimes there are a lot and sometimes there aren't. Some are obvious and others are opportunities you create by understanding investment markets. Sure, all of yesterday's deals have been taken, but tomorrow's deals have not. Someone will snap them up. Why shouldn't it be you? Myth # 12:  If you want to do it right, you have to do it yourself. There's no such thing as a self-made millionaire. All successful property investors have a good team of professional advisors and supportive mentors around them. That doesn't mean you should hand over full responsibility for your wealth creation to others. But the rich recognise that they can't be an expert in all aspects of wealth creation, so they find a team of experts they can lead in order to help them achieve their goals. Myth # 13:  I've done everything wrong! It's too late. It's never too late to learn how to invest or to overcome your mistakes. There are many success stories of people who conquered all sorts of adversity, or started investing later in life and ended up achieving financial freedom. In fact, Ray Croc was over 50 years old when he built his very first fast food outlet. You might have heard of it – it's called McDonald's. Myth # 14: Debt is bad Most Australians believe debt is a dirty word, but not all debt is bad. Savvy property investors know how to use good debt to buy appreciating assets. Myth # 15: It doesn't matter what I want – I just can't do it. Subscribing to this myth is almost a guarantee of failure, because our beliefs and perceptions become our reality. Some people who've had a few failed attempts “learn” that wealth is beyond their control and they can't affect the outcome. They remain in a cycle of victimisation all their lives. This is one of the reasons why the rich get richer – they believe they are in control of their destiny. You must also believe you're in control and act as if you're in control. Then pretty soon you'll be surprised by the results you achieve. Invariably, the more success you have the more your thoughts about what you can and can't control will alter for the better. Yes – you can do it! There's no way money can know who's in control of it, what their qualifications are, what ambitions they have or what they're going to do with it. Money is there to be used and spent, saved and invested. It can't judge whether you're worthy or not.  Now that you understand some of the myths that have held so many people back, the good news is you can do things differently. Choose to change your beliefs to produce outrageous results and reach every goal you set. Of course while property investing may be simple it's not easy. And that's not a play on words. Fact is, around 20% of those who get involved in property investment sell up in the first year and close to half sell their property in the first 5 years. And of those investors who stay in property, about 90% never get past their second property. So if you want financial freedom from property investment to fund your dreams, you're going to have to do something different to what most property investors are doing. You're going to have to listen to different people to who most Australian property investors listen. You're going to need to set yourself some goals and follow a strategy that's known, proven and trusted. Then you grow your property investment businesses one property at a time. Of course…you need to buy the right type of properties. One that has a level of scarcity, meaning they will be in continuous strong demand by owner occupiers (to keep pushing up the value) and tenants (to help subsidise your mortgage); in the right location (one that has outperformed the long term averages), at the right time in the property cycle (that would be now in many states) and for the right price. To become a successful investor you will need to surround yourself with a team of independent and unbiased professional advisors (not sales people) – a team of people who are known, proven and trusted, so it is probably appropriate to remind you that in changing times like we are experiencing, no one can help you quite like the independent property investment strategists at Metropole. Remember the multi award winning team at Metropole have no properties to sell, so their advice is strategic, independent and unbiased. Links and resources:   Michael Yardney's Mentorship Program   Rich Habits Poor Habits   Metropole  Quotes: “Most people don't have an income problem, they have a spending problem.”  Michael Yardney “My definition of financial freedom is to have enough passive income to finance the lifestyle you desire without having to work.”  Michael Yardney “Take control of your own financial future by investing and building an asset base.”  Michael Yardney Never miss an episode and keep up with all the good things going on at the Michael Yardney podcast by subscribing on iTunes. You can also subscribe to MichaelYardneyPodcast.com to keep up with the latest information including bonus material that comes out between the podcasts.