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Not that I disagree with the winners but the first thing we tend to do is upgrade the home, buy a new
car, new clothes and then just like the old sane goes and I know you
will agree with me on this one, if you have been there or already
there.
The
higher the income the higher your lifestyle increases and it starts to
be an expensive lifestyle even just living becomes expensive.
So what is the biggest mistake people make?
It's not putting it towards
something that will generate a Cashflow to support a lifestyle when
the fun is over.
You will normally fine that with in three to four years down the track, they realise
that they can no longer afford to support their new expensive lifestyle
because they don't have the Cashflow to support it.
What options do we
have....
So doesn't it make sense to upgrade the home, buy a new
car and new clothes, maybe take a little holiday, but in moderation!
Invest the money into something that goes up in
value and gives you a monthly ongoing cash return!
So what are the options- Shares, Business, Property, Bank etc.
There are so many ways you can maximise this money with property.
You could actually work out what sort of an income you need
by the number of properties needed to give you this income.
A couple of years ago I had a good friend of mine that is a doctor and he had $200,000
in the bank and approx 1.5 mill of investments and a home valued
approx 1 million.
I said to him,
“$200,000 in the bank, what's interest are you getting back? He said
4%.
Ok, so you're getting taxed on
the interest every year, aren't you?”
If we look at inflation, what does it run at?.... approx- 3-4% a year.
And because he was in the top tax bracket he would lose 50% of what
ever was left.
My question is- Is he really making any money?
Lets see....
$200,000 X 4% =
Interest he earned from the bank in one year
$8,000
$8,000 50% taxed = $4,000 now in hand, which is approx 2% from the
bank now.
What is the Inflation rate, lets say 3%, which means....
He is basically losing 1% on his money per year.
So we sat down and worked
out (based on his taxable income). That we could divide the $200,000
into thirds and put deposits on three investment properties to the
value of $300,000 each. And with his taxable income that would be
almost positive geared each one of them.
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A Point To Remember
Here.
It
depends on your taxable income and Cashflow to determine which
property will suit your personal situation. This is why we sit
with our clients first.
To book a Free Consultation
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What have we done......We have increased his investment portfolio from 1.5 mill to 2.4 mill
and now, even if he just gets a 5% growth in that year, he will still increase his
equity in the portfolio by $120,000. That's like $2,300 per week,
would you like it?
So heres an option for
people that have cash.
 You could just put enough cash into the Investment Property
(that's in a high capital growth area) and have it self running.
Or you could have a couple of properties fully paid off and a couple negative
geared against the positive ones. It all goes back to what you
personally want at the end of the day., how long before you look at retirement and
most importantly, what type of lifestyle you would like to have.
You see when you invest in properties the right way you can leverage yourself -
so many people forget how to leverage themselves. We leverage
everyday, right now you are leveraging off me to gain information
and I congratulate you because that is working smart.
 Don't you want to leverage money
so it could make your more money?
Well.... that's why we borrow from the bank - we leverage from the bank.
We pay a percentage but yet we can use the total amount and any profit
we make is ours... To me it's sounds like a bargain, don't you agree?
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Do You Want To Start Leveraging &
Allow Money Work For You?
Let me help you leverage yourself so you may also have the
opportunities many other Investors are benefiting from today.
Let's sit down and clarify every concern you have making sure you feel
comfortable before you move ahead.
Remember- We are with you all the way from start to finish -
you're never alone.
Click here to take advantage of my services-
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Next tip I'll cover:
"What the Banks don't tell you as far as allowing your Investment
Property to reduce the loan when on Interest Only?".
I will show you how to reduce the principle
of your investment with out any extra payments and still on a Interest
Only loan.
Wishing you all the success,
Dino F. Livanidis
0418-872280
www.npis.com.au
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