Podcasts about property investor

After 25+ years in property investment, Arsh has made a controversial decision that's going against everything the "scale at all costs" mentality teaches.   While everyone's chasing their next deal, he's saying NO to new acquisitions. Why? Because he's learned that MORE properties often means MORE problems, not more freedom.   His HMO friend in the Midlands regrets scaling too big Tenant issues, rent arrears, and endless legislation The "acquisition drug" that keeps us buying when we should be optimizing   Sometimes the most powerful word in property is "NO."   Take a moment to reassess where you are in your property journey. What issues are you facing? How are they being dealt with? Sometimes scaling back creates more freedom than scaling up.   Join the Property Investor App WhatsApp Channel: bit.ly/PIAWhats   Book Your 1 Hour Call with Arsh here: http://bit.ly/1HourPropertyCoach   Wanna connect with Arsh? Click this link: www.arshellahi.com/contact   Want to know more about the Property Rebel? Head over to Arsh's Youtube Channel. Where you can find lots more quality content and information. Click To Subscribe   Have you heard about Arsh's app the Property Investor? You can download it directly to your mobile by clicking the links below:   Apple Devices: Download Here   Android Devices: Download Here   Or Visit the website by clicking HERE   Thank you for listening! #propertyrebel

Send Us A Message! Let us know what you think.Topic #1:  1News 9th of June -Another big bank cuts home loan interest ratesTopic #2: RNZ 9th of June -'It would be foolish to be relying on a council valuation' - property expertsTopic #3: Good Returns 11th of June - ‘Excessive' security agreements by banks need investigating – lobby groupTopic #4: Oneroof.co.nz 11th of June - Tony Alexander: Who'll blink first on unrealistic asking prices?Topic #5: RNZ 12th of June - The suburbs where house prices are picking upSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Imagine this… You've got a strong property portfolio, you're working hard, and the market is looking good. Then – boom – life throws you a curveball. Maybe it's a job loss, a health issue, or a tenant stops paying rent for months. What now? Most investors panic. But the savvy ones? They just lean on their financial buffer – a quiet little fund sitting in the background that buys them something more valuable than money: time. In this podcast episode of the Michael Yardney Podcast, Brett Warren and I discuss the critical importance for property investors of having a financial buffer.   We explore how a financial buffer can provide peace of mind, protect against unexpected expenses, and allow investors to navigate financial challenges without panic.   Through real-life examples and case studies, we illustrate the benefits of maintaining a buffer and offer strategies for building one effectively.   Takeaways  ·         A financial buffer is essential for property investors. ·         Buffers provide peace of mind during financial uncertainty. ·         Unexpected expenses can arise, making a buffer crucial. ·         Building a buffer gradually is a smart strategy. ·         Financial planning helps identify the right buffer amount. ·         Real-life examples show the effectiveness of buffers. ·         Buffers can prevent the need to sell assets in tough times. ·         Investors should prioritize creating a buffer before market shocks. ·         Having a buffer allows for better decision-making during crises. ·         It's important to reassess and rebuild buffers regularly. Chapters  00:00 The Importance of a Financial Buffer 04:08 Examples of Financial Buffer Importance 10:32 Practical Strategies for Building a Buffer 18:11 Real-Life Examples of Buffers in Action Links and Resources: Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us Michael Yardney – Subscribe to my Property Update newsletter here Brett Warren - National Director of Property at Metropole Get a bundle of eBooks and Reports at www.PodcastBonus.com.au Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

In this week's episode of The Property Rebel, Arsh Ellahi tackles one of the most hotly debated questions in the UK property investment community. With interest rates normalising between 5-6% and cash flow margins tightening, many investors are questioning whether buy-to-let still makes financial sense.   What You'll Learn: Real-world cash flow analysis - Breaking down the numbers on a £100k property investment The true cost of financial freedom - Why you might need £300k to generate £3k monthly income Buy-to-let vs HMO strategies - Comparing cash flow, management complexity, and exit strategies Capital appreciation case study - How a 25-year property investment delivered over £100k in gains Strategic decision-making - Choosing the right investment approach for your goals   Key Insights: Drawing from over 24 years of property investment experience, Arsh shares a compelling case study of a Wolverhampton property purchased in 2000 for £75k, now valued at £180k, while generating steady rental income throughout.   Join the Property Investor App WhatsApp Channel: bit.ly/PIAWhats   Book Your 1 Hour Call with Arsh here: http://bit.ly/1HourPropertyCoach   Wanna connect with Arsh? Click this link: www.arshellahi.com/contact   Want to know more about the Property Rebel? Head over to Arsh's Youtube Channel. Where you can find lots more quality content and information. Click To Subscribe   Have you heard about Arsh's app the Property Investor? You can download it directly to your mobile by clicking the links below:   Apple Devices: Download Here   Android Devices: Download Here   Or Visit the website by clicking HERE   Thank you for listening! #propertyrebel

In this episode of the Girls in Property podcast, Athena Dobson is joined by Lisa Brown for a deep dive into the world of supported living. Lisa shares her inspiring journey from a career in nursing to becoming a property investor, shedding light on the highs, lows, and life-changing moments of creating safe, supportive homes for vulnerable individuals.Together, Athena and Lisa unpack what supported living really means—how it differs from assisted living, what property investors need to know, and why getting it right can be both financially sound and socially impactful. They explore key challenges like navigating finance, understanding property valuations, and ensuring homes meet the standards set by providers.The episode also gets candid about the realities—think property mishaps, tough questions from providers, and the importance of building strong community ties. It's a real, honest conversation about being an ethical landlord, investing with purpose, and making a genuine difference through property.Whether you're just starting out or already on your property journey, this episode will leave you reflecting on your ‘why' and feeling inspired to approach investing with both heart and strategy.Get in touch with Lisa Brown here: www.supportedlivingproperty.ukHow to get involved with the Girls in Property Community

After 12 years in a high-pressure City job, Bhav had the income, the lifestyle, and the flat — but not the freedom. In this honest chat, Shiv and Bhav dive into his journey from burnout to breakthrough, and why he finally walked away to pursue a life built around property and purpose.They discuss:The health toll of the corporate grindInvestment mistakes (and lessons) from chasing quick winsWhy Bhav chose to join Lifestyle Property GroupThe power of passive income through Northern buy-to-letsIf you're stuck on the treadmill and craving change, this episode will resonate.

Interest rates are dropping, and Perth’s market is picking up. Today, I’m joined by Nick Aves from Purely Finance to break down how finance is driving our market and how to make the most of it. We talk borrowing power, rate cuts, first-home buyer schemes, and how Perth’s lifestyle meets smart investing. Nick shares tips on income planning, using equity, and getting finance-ready—even if you’re not buying yet. It’s packed with value to help you make confident moves. Let’s go inside. Resource Links: Visit their website: https://www.purelyfinance.com.au/ Get your Strategic Portfolio Plan and our help with Buying Your Next Perth Property (https://www.investorsedge.com.au/invest-in-perth-property/) Get email updates about suburb intelligence reports and exclusive invites to our webinars, events, and workshops. Join (investorsedge.com.au/join) Join the Perth Property Investment Facebook Group (https://www.facebook.com/groups/perthpropertyinvestors) Join Jarrad Mahon’s Property Investor Update (https://www.investorsedge.com.au/join) For more info on our award-winning and highly rated Property Management services that give you guaranteed peace of mind (https://www.investorsedge.com.au/perth-property-management-specialists/) For more info on how our Property Sales services can ensure you get the best selling price while handling all the stress for you (https://www.investorsedge.com.au/selling-your-perth-property/) Episode Highlights: Intro [00:00] Impact of Interest Rate Reductions [01:56] Strategic Planning for Property Investors [05:21] Election Impact on Property Market [08:35] First Home Buyer Incentives [10:52] Affordability and Lifestyle in Perth [15:49] Rental Market and Investment Opportunities [19:07] Finance Readiness for Property Buyers [24:52] Strategic Planning for Property Investors [29:33] Thank you for tuning in! If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. About the Guest: Nick Aves is the Director and a seasoned Finance Broker at Purely Finance, bringing over 30 years of experience in the finance industry. He began his career as a trainee and quickly advanced to managing complex business lending portfolios exceeding $65 million. In 1998, Nick applied his business acumen by purchasing and successfully operating the award-winning Dear Friends Restaurant in Swan Valley before returning to finance as a broker. Known for his dedication and expertise, he has consistently earned PLAN Australia’s Sales Master Award since 2005 and was recognized among the MPA top 100 brokers in Australia in 2007. With a Diploma in Financial Services and extensive knowledge in banking, business finance, and development, Nick provides tailored advice on investments, loans, and insurance to help clients achieve financial success. Outside of work, he enjoys sailing on the Indian Ocean. Connect with Nick: LinkedIn: https://www.linkedin.com/in/nickaves/ Website: https://www.purelyfinance.com.au/team/nick-aves/ Connect with Perth Property Insider: Subscribe on YouTube: https://www.youtube.com/@InvestorsedgeAu Like us on Facebook: https://www.facebook.com/investorsedge See omnystudio.com/listener for privacy information.

Running a property business from 4,000 miles away? Here's what can go WRONG and how to protect yourself!   In this week's episode of The Property Rebel, Arsh Ellahi shares two shocking incidents that happened this weekend with his service accommodation properties - including dealing with 250+ people showing up at his doorstep and discovering unauthorized guests who paid through Snapchat scams.   Key Takeaways: Why Booking.com guests require extra screening vs Airbnb Essential verification processes every host MUST implement The lock box security flaw that could cost you thousands Systems that saved us from disaster (while managing remotely) Red flags to watch for with fraudulent bookings Whether you're running HMOs, rent-to-rent, or service accommodation, these lessons could save your business. Property investing isn't all roses - but with the right systems, you can handle anything!   Join the Property Investor App WhatsApp Channel: bit.ly/PIAWhats Book Your 1 Hour Call with Arsh here: http://bit.ly/1HourPropertyCoach Wanna connect with Arsh? Click this link: www.arshellahi.com/contact   Want to know more about the Property Rebel? Head over to Arsh's Youtube Channel. Where you can find lots more quality content and information. Click To Subscribe   Have you heard about Arsh's app the Property Investor? You can download it directly to your mobile by clicking the links below:   Apple Devices: Download Here   Android Devices: Download Here   Or Visit the website by clicking HERE   Thank you for listening! #propertyrebel

Send Us A Message! Let us know what you think.In this episode of the Property Apprentice Podcast, host Debbie Roberts, financial adviser and owner of Property Apprentice, breaks down the latest KiwiSaver changes announced in the government's May 22nd, 2025 Budget. Whether listeners are saving for their first home, planning for retirement, or simply trying to make sense of the updates, this episode delivers clear and practical insights.Here's what's covered:16- and 17-year-olds will now receive employer and government contributions to their KiwiSaver accountsThe default employee and employer contribution rate will increase from 3% to 3.5% in 2026, and to 4% by 2028The annual government KiwiSaver top-up will be halved from $521 to $260.72 as of July 1, 2025Individuals earning over $180,000 will no longer receive any government contributionsWhat these changes mean for savers and how they could affect long-term balancesWhy this is a great time to help teens start contributing to KiwiSaverTips on how to make the most of what's still availableDebbie encourages listeners to check out the updated KiwiSaver Calculator at www.sorted.org.nz to assess how the changes might impact their savings goals.Whether it's good news for young savers or a wake-up call for high earners, Debbie offers a balanced take on what the new rules mean for Kiwis — and how to adapt.

Send Us A Message! Let us know what you think.Topic #1:  1News 28th of May -Banks lower interest rates as Reserve Bank cuts OCR againTopic #2: RNZ 29th of May - Are credit card rewards schemes worth it?Topic #3: Good Returns  28th of May - First home buyers outgun investors againTopic #4: Interest.co.nz 29th of May - Residential construction continues to decline in Auckland and still has some way to go before it hits the bottomTopic #5: Interest.co.nz 29th of May -ANZ Property Focus Report says ample supply of homes for sale is keeping a lid on prices - expects mortgage rates to bottom out around the end of the yearSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Daniel Nesseim is the founder of financial concierge company, Accord Partners. His company helps their clients manage their finances and then invest it in the smartest way possible. They help you come up with a plan and provide strategies so that your money is well protected.Come with us as we delve into Daniel Nesseim's journey from Egypt to the United Kingdom and eventually to Australia, his early studies in engineering, why he chose to dive into property rather than the share market, the amazing story of his first investment property and much much more! Hosted on Acast. See acast.com/privacy for more information.

Daniel Nesseim is the founder of financial concierge company, Accord Partners. His company helps their clients manage their finances and then invest it in the smartest way possible. They help you come up with a plan and provide strategies so that your money is well protected.Come with us as we delve into Daniel Nesseim's journey from Egypt to the United Kingdom and eventually to Australia, his early studies in engineering, why he chose to dive into property rather than the share market, the amazing story of his first investment property and much much more! Hosted on Acast. See acast.com/privacy for more information.

After 260 episodes and 5 years of consistent weekly content, host Arsh Ellahi reflects on the key to success in property investment: CONSISTENCY.   In this anniversary episode, discover:   Why most property podcasts don't survive year one The importance of playing the long game in property How to reassess your original property goals Real talk about setbacks and challenges in property investment   "It's not a sprint - treat everything in business as a long-term goal, not a short-term sprint."   From single lets to HMOs and rent-to-rent to development deals, we've covered it all over 5 incredible years. Here's to many more!   Your turn: What was YOUR original property goal? Time to reassess and refocus!   Join the Property Investor App WhatsApp Channel: bit.ly/PIAWhats Book Your 1 Hour Call with Arsh here: http://bit.ly/1HourPropertyCoach Wanna connect with Arsh? Click this link: www.arshellahi.com/contact   Want to know more about the Property Rebel? Head over to Arsh's Youtube Channel. Where you can find lots more quality content and information. Click To Subscribe   Have you heard about Arsh's app the Property Investor? You can download it directly to your mobile by clicking the links below:   Apple Devices: Download Here   Android Devices: Download Here   Or Visit the website by clicking HERE   Thank you for listening! #propertyrebel

Send Us A Message! Let us know what you think.Topic #1:  NZ Herald 20th of May -Auckland Council to release new property valuations in early JuneTopic #2: Oneroof 22nd of May - 'Pretty bad at the moment': Wait times for home loan approvals have blown out, say brokersTopic #3: Good Returns  21st of May - Hawks, doves and KiwisTopic #4: Good Returns 22nd of May - KiwiSaver contribution rates to increase; Cuts to Govt contributionTopic #5: RNZ 22nd of May -The social housing waitlist: Woman told no emergency homes available at allSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

In this episode of Property People, Saam Lowni sits down with Jamie York, an investor, trader, and the brains behind a group of property businesses now generating over £10 million a year. But his journey didn't start off smooth, from botching the electrics on his first house to losing £1.5 million on a deal, Jamie opens up about the side of property many people don't talk about.______________________________________MORE CONTENT ON INSTAGRAM!

The Reserve Bank of Australia has finally dropped the cash rate — down 25 basis points to 3.85%. But what does that really mean for you as an investor? In this solo episode of The HMO Property Show, Neil Gibb unpacks the real-world implications of this cut — not just in theory, but how it affects your capacity to borrow, the suburbs you can now afford, and the cashflow boost HMOs are about to deliver. We cover: What the RBA does and why this rate cut matters How much extra you can now borrow with your income Which banks are passing on the full cut — and when Where you can now afford to buy that wasn't an option last week What a 0.25% drop saves you on a $400k–$1m loan How this rate change affects investor sentiment, demand, and market movement Perth market insights: listing volumes, rents, and median prices Why this could be the spark that ignites the next wave of growth This is one of the most data-packed episodes we've done — tune in if you're serious about making a move while the market is shifting.

This week on the Honest Property Podcast, Becky and Ruth sit down with Lynnette, a former fashion and beauty journalist and property investor — who went on to build a sustainable, thriving vintage fashion business, Lovely's Vintage Emporium. After a career in magazines, Lynnette also began investing in property — and that move changed everything. It gave her the freedom (and cashflow) to step away and build a business on her own terms.In this episode, we explore:How property became the springboard for her fashion businessWhy preloved is the future — and how she built a loyal online communityLearning to trust your gut in both property and business decisionsWhat she wishes more women knew about financial independenceThis is a story of reinvention, values-driven business, and the power of using your assets to create something meaningful.

In this week's episode of The Property Rebel, Arsh Ellahi breaks down the exciting new 100% mortgage product from April Mortgages that's shaking up the UK property market!   First-time buyers earning £24,000+ annually can now purchase homes without deposits (with parental guarantors).   This development signals renewed confidence in the property market and creates dual opportunities for investors: a chance to offload single buy-to-let properties to eager first-time buyers, while potentially finding new investment properties as other landlords exit the market.   Whether you're a first-time homebuyer or a seasoned investor looking to pivot your portfolio strategy, this episode delivers the insights you need to navigate this significant market shift.   Join the Property Investor App WhatsApp Channel: bit.ly/PIAWhats Book Your 1 Hour Call with Arsh here: http://bit.ly/1HourPropertyCoach Wanna connect with Arsh? Click this link: www.arshellahi.com/contact   Want to know more about the Property Rebel? Head over to Arsh's Youtube Channel. Where you can find lots more quality content and information. Click To Subscribe   Have you heard about Arsh's app the Property Investor? You can download it directly to your mobile by clicking the links below:   Apple Devices: Download Here   Android Devices: Download Here   Or Visit the website by clicking HERE   Thank you for listening! #propertyrebel

Send Us A Message! Let us know what you think.Topic #1:  RNZ 13th of May - Lull in property values present home buyers 'rare opportunity'Topic #2: Stuff 15th of May - People selling their home within three years could be facing a loss, new report findsTopic #3: Interest.co.nz  15th of May - Housing sales and selling prices both edged lower in April, with REINZ saying buyers are being pickyTopic #4: RNZ 15th of May - Falling interest saving home loan borrowers $2.2b, bank saysTopic #5: Oneroof 14th of May -Tony Alexander: Reasons to be cheerful - but don't expect a boom anytime soonSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

In this episode of the Real Estate Education and Investing Podcast, Erin Spradlin and James Carlson clear up the confusion around leases versus rental agreements, explaining that despite what some YouTube videos claim, both essentially serve as legal contracts with similar protections. Traditional leases happen outside platforms like Airbnb, the rental agreements within these platforms still offer legal protection for landlords—though they warn that platforms increasingly favor guests over hosts. They share a candid story about ignoring red flags with a tenant that led to headaches, emphasizing that proper tenant screening matters more than the type of agreement you use. So what makes a rental property work-friendly in today's market. They critique recommendations from AirDNA about essential work-from-home amenities for medium-term rentals, debating whether ergonomic chairs (which James calls "space-agey" and aesthetically unpleasing) are worth including versus more universally appealing standing desks. Their most practical advice? Don't put the workspace in common areas—workers need privacy and a door they can close during calls. As the medium-term rental market becomes increasingly professional, they stress that landlords need to thoughtfully design workspaces that photograph well but also function properly for remote workers. Throughout the episode, Erin and James blend practical advice with personal insights, making complex property management concepts accessible to investors at any level. Contact James: james@jamescarlsonRE.com Contact Erin: Erin@erinspradlin.com For more information visit: https://www.jamescarlsonre.com/ https://www.erinandjamesrealestate.com/

In this latest episode of The Property Rebel, Arsh Ellahi breaks down the recent interest rate cut by the Bank of England — and what it really means for YOU as a property investor.   With the base rate now at 4.25%, we explore: How it affects mortgage affordability & cash flow The confidence it could bring back to the market Opportunities emerging in the North, co-living, and build-to-rent sectors Why now might still be a smart time to invest, even amid economic uncertainty   This episode unpacks the key shifts you need to know—whatever stage you're at in your property journey.   Join the Property Investor App WhatsApp Channel: bit.ly/PIAWhats Book Your 1 Hour Call with Arsh here: http://bit.ly/1HourPropertyCoach Wanna connect with Arsh? Click this link: www.arshellahi.com/contact   Want to know more about the Property Rebel? Head over to Arsh's Youtube Channel. Where you can find lots more quality content and information. Click To Subscribe   Have you heard about Arsh's app the Property Investor? You can download it directly to your mobile by clicking the links below:   Apple Devices: Download Here   Android Devices: Download Here   Or Visit the website by clicking HERE   Thank you for listening! #propertyrebel

This week I'm discussing a major problem area for first time commercial property investors... lending.I discuss the difference between market value and vacant possession value. How to work out what vacant possession value is (roughly) and what to expect when getting commercial lending for the first time!

Send Us A Message! Let us know what you think.Topic #1:  Good Returns 7th of May - House prices, rent rises to be restrained in the short term: RBNZTopic #2: RNZ 7th of May - Methamphetamine use still a headache for landlords, regulatory decisions due this yearTopic #3: Stuff 7th of May - ‘It's tough out there at the moment': Number of adult children moving home on the riseTopic #4: Oneroof 7th of May - Tony Alexander: Home loans are cheaper, so why has the housing market stalled again?Topic #5: Oneroof 7th of May -Revealed: Green homeowners could save up to $98,000 on their mortgage billSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Feeling knackered from juggling a million property plates? You're not alone!   In this week's episode of The Property Rebel, Arsh tackles the all-too-familiar challenge of property burnout and shares personal insights on how to avoid hitting that wall. From delegation struggles (we all fancy doing it ourselves, don't we?) to the comparison trap of social media, Arsh explores why property entrepreneurs often push themselves to breaking point.   Discover: Why pressure might be your secret productivity weapon How to identify your strengths and delegate the faff Smart ways to build your support network (hint: it involves coffee!) The real cost of trying to do everything yourself   Whether you're a seasoned property investor or just starting out, these practical tips will help you create a sustainable approach to your property journey without burning the candle at both ends.   Join the Property Investor App WhatsApp Channel: bit.ly/PIAWhats Book Your 1 Hour Call with Arsh here: http://bit.ly/1HourPropertyCoach Wanna connect with Arsh? Click this link: www.arshellahi.com/contact   Want to know more about the Property Rebel? Head over to Arsh's Youtube Channel. Where you can find lots more quality content and information. Click To Subscribe   Have you heard about Arsh's app the Property Investor? You can download it directly to your mobile by clicking the links below:   Apple Devices: Download Here   Android Devices: Download Here   Or Visit the website by clicking HERE   Thank you for listening! #propertyrebel

Send Us A Message! Let us know what you think.Topic #1:  Corelogic 1st of May - Momentum gradually builds in market upturnTopic #2: RNZ 1st of May - Like the look of that house? 'Visit 50 properties before you buy'Topic #3: Interest.co.nz 30th of April - ANZ's economists see an upturn in house prices but expect it to be restrained by high volumes of houses for saleTopic #4: RNZ 30th of April - When and where house sellers have made 100 percent in five yearsTopic #5: RNZ 29th of April -Time to pick a home loan strategy, ASB saysSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

With time-tested and proven success in property investing since 2011, Consulting by PK Managing Director PK Gupta built his passive income while doing management consultancy. Without a doubt, he has been using the same tenacity he has had since the beginning. Today, as he continues his pursuit of a better tomorrow today whilst valuing the lessons he gleans from retrospection, he emphasises the positively lethal combination of faith, perspective, and learning from one's mistakes. Plus, he reveals the biggest and almost soul-crushing monetary mistake of his property journey so far! Hosted on Acast. See acast.com/privacy for more information.

With time-tested and proven success in property investing since 2011, Consulting by PK Managing Director PK Gupta built his passive income while doing management consultancy. Without a doubt, he has been using the same tenacity he has had since the beginning. Today, as he continues his pursuit of a better tomorrow today whilst valuing the lessons he gleans from retrospection, he emphasises the positively lethal combination of faith, perspective, and learning from one's mistakes. Plus, he reveals the biggest and almost soul-crushing monetary mistake of his property journey so far! Hosted on Acast. See acast.com/privacy for more information.

In this week's episode of The Property Rebel, Arsh Ellahi opens up about how he deals with feeling overwhelmed – something he experiences almost daily. From managing meetings, chasing deals, and running multiple businesses, he reveals the simple habit that helps him stay on top of everything: writing it all down.   No fancy tools, just a good old paper list and a highlighter. Arsh explains how this small action keeps him accountable, focused, and makes even the busiest days feel manageable.   Whether you're building a business, scaling your portfolio, or just trying to stay afloat – this episode is for you.   Join the Property Investor App WhatsApp Channel: bit.ly/PIAWhats Book Your 1 Hour Call with Arsh here: http://bit.ly/1HourPropertyCoach Wanna connect with Arsh? Click this link: www.arshellahi.com/contact   Want to know more about the Property Rebel? Head over to Arsh's Youtube Channel. Where you can find lots more quality content and information. Click To Subscribe   Have you heard about Arsh's app the Property Investor? You can download it directly to your mobile by clicking the links below:   Apple Devices: Download Here   Android Devices: Download Here   Or Visit the website by clicking HERE   Thank you for listening! #propertyrebel

https://www.progressiveproperty.co.uk/raf/ Kevin switches roles as he's interviewed by Miha "MJ" Jain, a university student researching artificial intelligence and virtual reality in real estate. They talk about how AI and VR might change property viewings, inspections and investor relationships. Kevin shares the potential benefits and challenges from multiple perspectives; as an investor, letting agency owner and property mentor. KEY TAKEAWAYS Virtual reality could revolutionise property viewings for international or out-of-area investors, allowing them to experience properties remotely without travelling, potentially seeing areas both during day and night to get a complete picture. VR technology could enhance property management through virtual inspections, enabling landlords to remotely view properties during move-ins, move-outs, and periodic inspections without physically visiting. Trust remains fundamental so while VR offers enhanced visualisation compared to photos or descriptions, the relationship with the estate agent remains crucial as clients must trust the accuracy of virtual representations. Early adoption of VR/AI presents a dilemma as businesses must balance being innovative against the financial risk of investing in rapidly changing tech that may become outdated. For local property purchases, where buyers are making significant life investments, VR will likely supplement rather than replace physical viewings, as people will still want to "touch and feel" properties. International investment markets may see faster VR adoption since investors often purchase properties without viewing them, focusing primarily on location and investment potential rather than specific property features. BEST MOMENTS "One of the things I would find really helpful with virtual reality is not just necessarily on the viewing of the property before you buy it, but the midterm inspections, if that could be done in a virtual reality way, that would be amazing." "I would not buy a house on the back of a virtual reality tour. I would watch the virtual reality tour to identify what it baseline looks like. Then before I'd make my offer, I want to go into that house and view it.” "It's going to change everything we do. And it's a little bit scary at the same time because, especially AI, it's almost like Arnold Schwarzenegger was right. Terminator is coming into reality." "But at the end of the day, I'm a human being. I want that interaction." VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom. CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty/ Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progpertyprogressive, property, investing, rent, housing, buy to lets, serviced accomodation, block, auction, home, financial freedom, recurring income, tax, mortgage, assets: http://progressiveproperty.co.uk/

Send Us A Message! Let us know what you think.Topic #1:  RNZ 23rd of April - 'Pain' for property investors as renting listing levels hit decade highTopic #2: Oneroof 23rd of April - Tony Alexander: Global trade war's effect on house prices - the good, bad and uglyTopic #3: RNZ 23rd of April - House sellers cut prices, March sales 'roaring back to life'Topic #4: NZ Herald 23rd of April - Roofing Association ‘deeply concerned' over claims of ‘reckless' activityTopic #5: Good Returns 22nd of April -Sitting back and taking a calm attitudeSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

In this episode, we discuss what to do if you've accidentally found yourself as a property investor.You'll learn:How to decide whether to keep or sell a property you didn't plan to invest inThe step-by-step Keep or Quit Quiz to guide your next moveAnd how to set yourself up to buy your dream home (even if you buy a new investment property)If you're not sure what to do next, get personalised advice from a trusted mortgage broker in NZ to help structure your finances and build a plan.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠

Send Us A Message! Let us know what you think.Topic #1:  Good Returns 15th of April - Non-banks may offer lower rates under deposit insurance schemeTopic #2: NZ Herald 15th of April - NZ's house price median drops $30,000 annually, Auckland down 2.8%: REINZTopic #3: Oneroof 20th of April - ‘Too much of a risk' - Agents to fire landlords who ignore Healthy Homes deadlineTopic #4: NZ Herald 14th of April -Kiwi card spending drops 0.8% in March, Stats NZ data revealTopic #5: Corelogic 16th of April -Buyer power dynamics are changingSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

In this episode of In the Balance, Phil Tarrant from SPI is joined by co-hosts Munzurul Khan from KHI Partners and Tyrone Dutt from KHI Estate Planning to discuss portfolio succession and estate planning. While many investors focus on acquiring assets, few think about what happens to their wealth when they're no longer around, often resulting in a large portion of assets being lost to taxes or distributed against their wishes. According to the KHI experts, a well-crafted estate plan includes a will, power of attorney, guardianship, and superannuation directives to ensure investors control their portfolio until the end. Tyrone also suggests that investors involve their families in the process, which helps avoid future disputes and builds financial literacy in the next generation. Although costs can range from $4,000 to $10,000, the KHI experts recommend that investors review their estate plans every two to three years or following major life changes to remain aligned with personal goals.

In this episode of the Michael Yardney podcast, I discuss the intricacies of property investment and finance with expert Hung Chuy. We explore the importance of mindset, the role of brokers, and the complexities of managing a property portfolio.   Key topics include understanding interest rates, debt recycling, and the unique challenges of commercial property financing. The conversation emphasizes the need for strategic financial planning and the benefits of using multiple lenders to maximize investment opportunities.   Takeaways  Property investment is fundamentally a finance game. The first arrow represents unavoidable pain, while the second arrow is our response to it. Choosing the right broker can significantly impact your investment success. Interest rates are important, but flexibility in borrowing is crucial. Debt recycling can help turn non-deductible debt into tax-deductible debt. Managing a property portfolio requires careful planning and strategy. Commercial property financing involves more complexities than residential financing. Self-managed super funds have specific borrowing criteria that differ from personal loans. Using multiple lenders can provide better opportunities for equity and borrowing. Mindset plays a critical role in navigating financial challenges. Chapters  00:00 Understanding the Current Finance Landscape00:28 Strategies to Attract Bank Approval01:25 Introduction to Financial Expertise04:11 Understanding the Role of Brokers06:10 Navigating Lending Policies and Borrowing Capacity08:53 Risk Management Strategies in Financing11:36 Managing Property Portfolios Effectively14:25 Exploring Development and Commercial Finance17:08 Debt Recycling and Offsetting Strategies19:48 The Importance of Strategic Planning in Finance22:26 Conclusion and Future Opportunities34:01 Understanding Market Trends and Analysis  Links and Resources:   Michael Yardney - http://michaelyardney.com/ Get the team at Metropole to help build your personal Strategic Property Plan - https://investor.metropole.com.au/strategic-property-plan/clkg/https/investor.metropole.com.au/strategic-property-plan-enquiry/ Join us at Wealth Retreat - Australia's Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au   Hung Chuy – Founder and Director of Strategic Brokers - https://www.strategicbroker.com.au/our-team/hung-chuy/ Get a bundle of free reports and eBooks – www.PodcastBonus.com.au  Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Send Us A Message! Let us know what you think.Topic #1:  Good Returns 9th of April - BREAKING: OCR: 3.5% - Further reduction in OCR appropriateTopic #2: NZ Herald 8th of April - House prices flat to start 2025 – which regions fared better than others?Topic #3: Good Returns 8th of April - Longer term fixed interest rates slowly bite into floating termsTopic #4: NZ Herald 8th of April -First-home buyers face challenges as KiwiSaver balances dropTopic #5: Corelogic 9th of April -NZ residential construction cost growth slows to near-record lowSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  NZ Herald 1st of April - Green shoots of optimism as number of Kiwis behind on payments fallsTopic #2: The Mortgage Mag 1st of April - RBNZ does a u-turn on bank capital requirementsTopic #3: RNZ 2nd of April - Problems ahead unless government changes retirement policy - reportTopic #4: NZ Herald 2nd of April -Barfoot & Thompson unsold houses hit record: 6200 places availableTopic #5: Oneroof 30th of March - ‘Scary' trend: Homeowners losing thousands of dollars with short-term mortgage fixesSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

What kind of homes remain resilient in unprecedented challenging times? How could unemployment impact rental yields in the UK, Singapore, and beyond? Where is there demand for smaller homes and social housing? If you're a global investor wondering where in this sea of uncertainty to park your money (and sleeping well at night with an eye to rental yields is important to you) this show is for you. Hosted by Michelle Martin, this episode welcomes Daniel Sim, Founder of Golden Goose Properties.See omnystudio.com/listener for privacy information.

Maxine Fothergill is the MD of Amax Estates & Property Services Gravesend, Past President ARLA PropertyMark, Columnist for Property Investor News and published book author of “How to Become a Successful Property Investor”. She dropped by the WatkinSofa in the late Autumn of 2024 to chat all things property as well as how to become a successful property investor.

Send Us A Message! Let us know what you think.Topic #1:  Oneroof 16th of March - OneRoof's Need to Know: NZ's most expensive and cheapest streets revealedTopic #2: Stuff 19th of March - How to cut 10 years off your mortgage and pay less interestTopic #3: NZ Herald 20th of March - ‘Rate wars' puts long-term mortgage-fixing back in the frameTopic #4: Stuff 20th of March -Why experts say your KiwiSaver contribution should be a minimum of 4%Topic #5: RNZ 20th of March - Here's what your credit score might stop you doing#propertyapprenticenz #investingadvice #mortgagerates #interestrates #rentalproperty #landlording #newzealand #housingmarket #KiwisaverSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Maxine Fothergill is the MD of Amax Estates & Property Services Gravesend, Past President ARLA PropertyMark, Columnist for Property Investor News and published book author of “How to Become a Successful Property Investor”. She dropped by the WatkinSofa in the late Autumn of 2024 to chat all things property as well as how to become a successful property investor.

In today's show Aaron Christie-David interviews me and asked how I've built the substantial property bought for the White investors should be doing in the current market to secure their financial future through property. I discuss the need for a comprehensive approach to wealth creation that goes beyond property alone, advocating for a balanced life and the importance of having a clear vision and goals. The conversation also touches on why many of the predictions made for the property markets for 2025 will be wrong. Takeaways Predictions about the market are often wrong; focus on fundamentals. Most property investors get it wrong; 50% sell up in five years and 92% never get past the first or second property. Your biggest asset is your time and your earning capacity, don't squander it. It's likely that many investors will put their plans on hold before the upcoming election, but experience shows us that life goes on after elections; so if you have the finance capacity don't wait to invest. Your strategic property plan should include risk management and things you shouldn't do just as much as it outlines things you should do. Investing is a long-term game; focus on capital growth more than cash flow. Surround yourself with good advisors and mentors. Confidence in the market drives investment decisions. True wealth encompasses more than just property. Chapters 03:58 The Journey of a Property Investor 06:48 The Importance of Role Models in Investing 08:42 Predictions for the 2025 Property Market 11:19 Supply and Demand Dynamics in Property 12:46 Understanding Vacancy Rates and Rental Growth 14:37 Choosing the Right Investment Areas 17:52 Navigating Political Uncertainty in Property Investment 22:18 The Impact of Interest Rates on Market Sentiment 23:36 Market Confidence and Rate Cuts 30:11 Investor Sentiment and Lending Dynamics 33:40 Strategic Planning for Property Investment 37:56 Risk Management in Property Investment 43:41 Final Thoughts on Property Investment Success 47:29 Introduction to the Law of Diminishing Intent 48:25 The Importance of Goal Setting 49:45 Wealth Retreat: A Path to Holistic Wealth 50:36 Living Without Regrets 51:56 Reprioritizing Life's Values Links and Resources:   Michael Yardney  - Subscribe to my daily Property Update newsletter    Metropole's Strategic Property Plan – to help both beginning and experienced investors    Aaron Christie-David co-founder of Atelier Wealth    Join us at Wealth Retreat - Australia's Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au     Get a bundle of free reports and eBooks – www.PodcastBonus.com.au     Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to or watching this podcast and subscribe so each week we can unveil the trends shaping your future.   Shownotes plus more here: Real Estate Riches: How to Build and Sustain Wealth Through Property with Aaron Christie-David 

Maxine Fothergill is the MD of Amax Estates & Property Services Gravesend, Past President ARLA PropertyMark, Columnist for Property Investor News and published book author of “How to Become a Successful Property Investor”. She dropped by the WatkinSofa in the late Autumn of 2024 to chat all things property as well as how to become a successful property investor.

Send Us A Message! Let us know what you think.Topic #1:  Good Returns 4th of March - Rise in retiree renters to influence data in decades to comeTopic #2: NZ Herald 4th of March -What is NZ's biggest KiwiSaver balance?Topic #3: RNZ 5th of March - Number of pensioners needing rent help nears 50,000Topic #4: 1News 6th of March - Modest growth in property values in February - CoreLogicTopic #5: Good Returns 6th of March - Longer-term mortgage rates near cycle lows#propertyapprenticenz #investingadvice #mortgagerates #interestrates #rentalproperty #landlording #newzealand #propertymarket Support the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  Stuff 11th of March - More listings than sales: How to sell your houseTopic #2: 1News 10th of March -What will happen to house prices this year? Major bank changes its mindTopic #3: NZ Herald 11th of March - What to do if you are worried about your KiwiSaver balanceTopic #4: RNZ 10th of March - Are women really more conservative investors?Topic #5: Stuff 13th of March - Summer 2025 marks flattest housing market performance in six years - QV#propertyapprenticenz #investingadvice #mortgagerates #interestrates #rentalproperty #landlording #newzealand #propertymarket Support the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Babak Haeri is a property buyer's agent and the director of three different companies, Bobby's Landscaping, Sydney Strata Gardens and The Investors Agency. We learn more about how he is able to juggle three successful companies, his role in each of them and how he was able to start them. Join us as we delve into his transition through different industries, how he started his property investing journey, the interesting story of the role his father played in purchasing his first investment property, the types of properties he likes to buy which you will not want to miss, the amazing moment he realised that he was going down the right track and much more on this episode of Property Investory! Hosted on Acast. See acast.com/privacy for more information.

Maxine Fothergill is the MD of Amax Estates & Property Services Gravesend, Past President ARLA PropertyMark, Columnist for Property Investor News and published book author of “How to Become a Successful Property Investor”. She dropped by the WatkinSofa in the late Autumn of 2024 to chat about becoming a successful property investor.

Maxine Fothergill is the MD of Amax Estates & Property Services Gravesend, Past President ARLA PropertyMark, Columnist for Property Investor News and published book author of “How to Become a Successful Property Investor”. She dropped by the WatkinSofa in the late Autumn of 2024 to chat about becoming a successful property investor.

Send Us A Message! Let us know what you think.Topic #1:  RNZ 26th of February - Refixing borrowers swamp banksTopic #2: NZ Adviser 27th of February - Report reveals gender gaps in NZ property ownershipTopic #3: NZ Herald 24th of February - Waiting to fix mortgages in 2026 could cost borrowers more, interest rate analyst saysTopic #4: NZ Herald 24th of February - Housing confidence back to 2020 levels - surveyTopic #5: NZ Adviser 27th of February - Real estate investors reevaluate portfolios – survey#propertyapprenticenz #investingadvice #mortgagerates #interestrates #rentalproperty #landlording #newzealand #propertymarket Support the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  NZHerald 18th of February - Property investors eye short-term rentals for higher yieldsTopic #2: Interest.co.nz 19th of February - Auckland's median price dropped $51,000 in January, national median down $30,000Topic #3: RNZ19th of February - All major banks cut interest rates after official cash rate dropsTopic #4: RNZ 19th of February - House sellers warned to be realistic despite falling interest ratesTopic #5: NZ Adviser 20th of February - New Zealanders prioritise mortgage and essential bills, survey finds#propertyapprenticenz #investingadvice #mortgagerates #interestrates #rentalproperty #landlording #newzealand #marketupdate Support the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.