The Property Couch

Bryce Holdaway & Ben Kingsley
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Dec 20, 2018 • 35min

205 | Jack Henderson - Expelled at 15 and 3 properties by 22!

As part of our brand new Summer Series, we put a request out there to see if any of our Couch Tribe were interested in sharing their story… the result? Today’s guest!!!Folks, our very own listener, Jack Henderson, is here to explain his own property investment journey and how he’s managed to go — yep! — from being expelled at 15 to owning THREE properties by the impressive age of 22!!The million-dollar question is… how did he do it?Let’s hear the story straight from our star guest, shall we?Before we get into the ripper of a story, just a quick shout out to say…“Good on ya’ Jack! Thank you for sharing your incredible journey and your numbers with us!”Seriously, folks, it’s awesome that many of our listeners were quick to put their hand up and pass their knowledge on to help other folks out there!! So just a heads up… You can expect a few more guest listeners coming up in the Summer Series Also, if you’re keen to be an “everyday investor” and haven’t listened to our fundamental episodes yet (these episodes are CRUCIAL), or you simply want to have them at your fingertips in written form, make sure you Download the Golden Highlights.This 80-odd-page document is the vault containing all the foundational tips and insights you need to be a successful investor.Want a Free Copy of The Golden Highlights? You can get it here.LISTEN TO THE FIRST 20 EPISODES HERE >>MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/     FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >>FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple AgainFIND US HERE: - Website -LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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Dec 18, 2018 • 40min

204 | Peter Koulizos - What he'd like to do about Negative Gearing?

Folks, it’s time to rip out the straw hat, grab your sunnies and chuck on your thongs… because TODAY IS THE FIRST DAY OF OUR SUMMER SERIES!!This means this: 2 Episodes of The Property Couch each week — Tuesday and Thursday — kicking off RIGHT NOW all the way until Thursday 31st January! Yep. That’s 7 unstoppable weeks of nothing but the best guests, double time!And joining us for our first-ever episode of the season to dive into the implications of the proposed changes to Negative gearing is none other than the Property Professor himself… Peter Koulizos! If you recognise the name, that’s not only because Peter is an industry expert who has been in the property education space for a very, very long time, he’s also sat on the Couch a couple of times already!! We spoke to him about gentrification way back in Episode 30 and then again in Episode 47!!Although he likely doesn’t need an introduction, we’ll clear up that, yes, aside from being a hands-on property investor himself, Peter specialises in property valuation and economics and holds a teaching degree, a Graduate Diploma in Property and a Masters of Business (Property). He lectures in Property Investment for Tafe SA, Uni SA and other property education courses all over the country. And he’s done all this for over a decade. Not to mention, the Property Professor also took over the reins from Ben as Chairman of Property Investment Professionals of Australia (PIPA)!So, let’s bring out the Summer cocktail and kick off the conversation, shall we?!Before we throw down the beach towel, don’t forget…DOWNLOAD our Free Binge Guide Here – The First 20 EpisodesThis 80-odd-page document is the vault containing all the foundational tips and insights you need to be a successful investor.Want a Free Copy of The Golden Highlights? You can get it here.LISTEN TO THE FIRST 20 EPISODES HERE LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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Dec 14, 2018 • 52min

203 | How to Choose the Right Property Manager – Chat with Lauren Robinson

Folks if there’s one thing a property investor wants… it’s to make sure that their asset is taken care of!And an invaluable way to do this is to make sure you have quality tenants who will respect your property and obviously pay their rent on time. But you also need the assurance that (touch wood) if the worst-case scenario were to play out, you’d have someone on your side to protect you and your asset and, importantly, hold the right person accountable.…. This is where having the right property manager can make all the difference!!So how do you spot the right property manager? And what are the traits that separate the good from the great??Joining us today — for her debut on The Property Couch — is Lauren Robinson, Founder of RentalResults, a specialist property management business based in Brisbane, author of Rented and a successful property investor (commercial and residential) in her own right. With over 15 years of experience in the property management industry, having won Property Manager of the Year in 2017, and buying her first property way back when she was 22, Lauren is quite the guest to cover today’s topic!Before we crack open the lid and dive into the gold, just a quick shout out that our Summer Series starts THIS COMING TUESDAY (18th of December). Yep, that IS a Tuesday!Folks, the festive season just got a whole lot more fun with TWO EPISODES PER WEEK, featuring nothing but the BEST guests… some of which include our very own tribe of #TPC listeners!!!Here’s the deal…From 18th December – 31st January the Couch is coming to you TWICE a week on Tuesday and Thursday!As mentioned on today’s show, don’t forget to pick up your Free Copy of the Golden Highlights. This 80-odd-page document is the vault containing all the foundational tips and insights you need to be a successful investor.You can get it here.LISTEN TO THE FIRST 20 EPISODES HERE >>MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google PlLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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Dec 13, 2018 • 1h 11min

202 | We warned you to Prepare for Winter… Did You?

Over 2 ½ years ago, waaay back in Episode 66, we warned you that Winter Was Coming…The question is folks… did you prepare?We really hope you did. Because if you caught ABC’s three-part 7:30 Report this week or you read the OECD Housing Report that came out on Monday, then you’ll know that the Australian housing market isn’t the flavour of the month at the moment.We’ve all seen that the property market come off its peak, and this, combined with the credit crunch following APRA’s lending restrictions and the Banking Royal Commission, as well as the proposed changes to Negative Gearing and Capital Gains Tax has spread a ripple right across market sentiment.In other words, you could say… Winter is here.So, today we’re diving into what’s unfolding with housing prices and what we’re likely to see happen in the property market from here. To help with this, we’re revisiting what we discussed 2 ½ years ago — Episode 066 | Winter is coming and the air will be colder up high.And folks, the similarities between what we said then to what we’re seeing now just might shock you! Those who acted early and pulled out the umbrella won’t be surprised.BUT the real question is: what does all this mean for you and the future of investing in property?Or do you simply want a straight answer to “What the heck is going on in the property market right now?”We’ve got you covered.LISTEN TO THE FIRST 20 EPISODES HERE >>MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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Dec 6, 2018 • 1h 7min

201 | Money Lessons for Kids

Today’s show is a special shout-out to our parent-folk out there! Heck, if you just want some foundation money management tips, you’ll find some golden nuggets here too!What we’re about to unpack is a framework-stacked episode featuring THE Money Lessons for Kids — more specifically, how to teach your kids about money! Because, let’s face it, money makes the world go ‘round… so if our young folk aren’t given a proper head start as to how it all works, their futures will be impacted. It really is as simple and as straightforward as that.So, how do you work out when and how to teach them?Well, with 2 young boys each, we’ve asked ourselves the same thing. We get it — trying to run a household, manage your own money AND make sure your kids grow up to be respectable, decent and bright humans is no easy task. Adding to that the necessity of teaching them about money so that they can, not only survive in the big wide world but actually thrive in it… well, even we could do with some insights!That’s what we want to give YOU today!Before plunging into the murky waters of Money & Kids 101, here are a few bits of housekeeping and the free resources we mention in today’s show…ASIC’s MoneySmart Website – Teaching kids about moneyBen’s Cash Rate Video – RBA Dec 2018 Announcement – Trade Wars & Stock Market CorrectionsTim Ferris’ Interview with LeBron James – Tune in hereThe Power of Vulnerability by Brene Brown – Watch hereCoreLogics Housing Report – Click here to check out the Monthly ReportsAustralia’s GDP Report for the September Quarter – Check it out on ABSThe Golden Highlights – CLICK HERE for the gold in our first foundational 20 episodesOh, and because kids learn A LOT just by watching what you do (so the way you manage your own money really matters), LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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Dec 4, 2018 • 7min

RBA Dec 2018 Announcement - Stock Market Corrections

It’s the first Tuesday of the month Ben… which means the RBA Board has met and announced the official cash rate!Ben’s update today focuses on not only the cash rate but on the biggest story of the last six weeks as well… the stock market corrections!Plus, Ben explains why Scott Morrison’s latest announcement signals the timing of the upcoming election, and how this will impact the economy moving forward.So… for the last Cash Rate announcement of 2018, what will be RBA’s decision on the cash rate?Most namely the biggest story of the last six weeks, and certainly into November, has been the stock market corrections that we’ve seen around the globe on the fears of a slowing global economy. You can also factor in the spike that the US economy and the US share market had through the lower tax rates introduced by Donald Trump. So we’ve got that as a backdrop, but also the share market has also lost confidence because of the trade wars that are going on.Interestingly, over the weekend China and the US met and they’ve put a truce in place — well, it’s short term so it might be a false dawn, but we have a truce in place — which means the US isn’t going to increase their tariff percentages and China has promised to buy a significant amount of US goods.What has that meant? Well, we’ve definitely seen the stock market have a very, very good couple of days and that’s potentially put some confidence back into the broader stock market, and hopefully the broader economies around the world. But it is short term; we need to get through this Christmas period, which is going to see some significant changes.LISTEN TO THE FIRST 20 EPISODES HERE >>MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/     FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >>FREE BEST-SELLING BOLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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Nov 29, 2018 • 1h 52min

200 | Paul Clitheroe - Timeless Wisdom from the Original “Money” Guru

Folks, it’s finally here…… our 200TH EPISODE!!!!!!!!!!Pheeeeeeeeeeuuuuuuuuppppp!!!!(This is as close as we can get to a Party Horn sound.)And, boy, do we have a legendary episode for you!!! To give you an idea folks — when we locked in today’s guest, Ben was cartwheeling and high-fiving all over the joint. And for good reason… because joining us today is none other than THE “Money” man himself, Mr Paul Clitheroe!!!Look, we probably don’t need to tell you that from 1993 – 2002, Paul Clitheroe was indeed a household name — appearing in people’s lounge rooms as he hosted the wildly successful show Money on the Nine Network. Yep. Almost one in two households were watching his show, so if you’re like us, and you’ve got a bit of “salt and pepper” in your hair, chances are you were one of the folks watching!For those Gen Y-ers who might not know Paul, he (along with his uni mates) founded the leading investment research and advisory company ipac, back in 1983. He’s got more than a handful of books to his name — Money, Marriage and Divorce, Making Money, The Road to Wealth, Free Yourself from Debt, Make your Fortune by 40… and this isn’t even all of them! You can stalk all of his books here.To put the cherry on his very successful career, Paul’s gone on to dedicate his professional life to serving others, having been an active advocate of financial literacy for DECADES and championing ASIC’s MoneySmart Schools. To give you an idea, he’s Chairman of the Australian Government Financial Literacy Board and Financial Literacy Australia, as well as the Chairman of InvestSMART. Oh, and he’s also Chairman and chief commentator of Money magazine.Yep. Doesn’t get much better folks!!Well, maybe it does… because we’ve got him for over 1.5 hours of rock-solid gold (Yep. You might need to listen to both ways on your commute!!)The even better bit?… Paul comes with real-life money hacks AND he’s also a ripper storyteller!LISTEN TO THE FIRST 20 EPISODES HERE >>MLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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Nov 22, 2018 • 42min

199 | Q & A - Future Proofing your Portfolio, Changing Loan Structure and Equity Release

Folks, with State Election around the corner and the Federal Election less than a year away, it’s time to future-proof your portfolio.The market has changed and will continue to change. We’ve also got some challenges in the Macro landscape as well — lending regulations, potential changes to negative gearing and interest rate rises, just to name a few.So you might be asking yourself, “How is it still possible to build a property portfolio and earn $2K per week in passive income with all of this other stuff happening?”And you’ve got a good point. There IS a reason to be concerned, but this does NOT mean you have to abandon the ship altogether. Far from it.So in today’s episode — before our Surprise Superstar Guest joins us next week for our 200TH EPISODE!! — we’re going to answer some of your questions about how to do exactly this.These are just a few of the things we’re discussing:The right time to buy in a changing marketHow should one approach 2019?Picking the bottom of the market (and if this is actually possible!)Strategies to increase your cash flowThe house price dropReleasing equityStarting with ZERO equityThe future of the property marketLISTEN TO THE FIRST 20 EPISODES HERE >>MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/     FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >>FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple AgainFIND US HERE: - LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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Nov 15, 2018 • 51min

198 | Nine Ways to Navigate the Credit Crunch

Folks, if you’re playing the long-term game in property investing, you’ve got to know how to navigate the credit crunch!And what do we mean by this??… You MUST build financial muscle in order to succeed at the game of lending! Because folks you can NOT save your way to a passive income. You just can’t.What you need is access to credit and the ability to optimise this credit so that it works in your absolute best interest.But of course, there’s an elephant in the room here, isn’t there??The lending landscape has changed, folks! This can be seen from APRA’s lending restrictions all the way to the banks feeling the pressure following the Royal Commission — both of which are just the tip of the iceberg property investors are now facing when it comes to accessing finance.Here we are in the messy middle…… how can YOU cut through these challenges and still get the lending results you need??Well, we’ve got 9 Tips up our sleeve to help you do just this folks!!!LISTEN TO THE FIRST 20 EPISODES HERE >>MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/     FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >>FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple AgainFIND US HERE: - Website - Instagram - Facebook - YoutubeLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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Nov 8, 2018 • 52min

197 | Our Embarrassing True Stories: What Was Money Like in Our Own Lives?

Normally personal stories about money stay secret…  up until this episode!The truth is folks — it’s not really the “done” thing to have a conversation about money, is it? Almost always, there’s this societal expectation to throw money matters — the real truth of your financial situation— off the table and bury it in the overflowing junk drawer.After all, talking about money is embarrassing, right?Well… not anymore!!Today folks, we’re attempting to lead by example — so we’re simply going for it! We’re going to get real and vulnerable and we’re going to share with you OUR OWN that has shaped our relationship and habits with money.In other words: we’re going to reveal what’s really happened in our life up until now (yep, this includes revealing some childhood influences), which might explain why we’re so obsessed with finance and on a two-man-and-a-couch crusade to help others excel in managing their own money!So, yep. These stories include the good, the bad and plain embarrassing.Ready to start the money conversation?A glimpse into our embarrassing true stories…Why are we so obsessed with money management?What did Ben’s dad teach him that stuck with him for life?What did Bryce learn from working in a casino that you wouldn’t expect?How was our path towards property investing shaped?Who took the biggest risks when investing in property — Ben or Bryce?How can you make money from a side hustle?What did Ben’s parents give him for Christmas that changed everything?Are there any smart money management tips in all this?Who lost, and why did they lose money in property?What are the key money management takeaways from this episode?LISTEN TO THE FIRST 20 EPISODES HERE >>MOORR MONEY MANAGEMENT APP: 👉 Apple: LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

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