The Clever Investor Podcast

Buy now or wait and save? Lenders Mortgage Insurance (LMI) has been a big help in letting people who want to own a property get started with less money for a down payment. It all began in 1965 when the government made a plan to give insurance for home loans that covered up to 95% of the home's cost. The idea was to make it easier for people, especially those buying their first home, to become home...

Prepare to decode the enigma of superannuation with our latest podcast show, as we go Unravelling the the Mystery and find out the answer to the question, Is it Designed to Baffle?" In this episode, we're thrilled to welcome a special expert guest, Tyron Mitchell, founder of Orange & Bathurst Financial Planning. Tyron brings over two decades of financial wisdom to the microphone and he'll guid...

Gen Z, refers to the generation of people born between 1997 to 2012. This means, the oldest Gen Zs would be 26 years old, and the youngest would be 11 years old.  Dr Tony Hayek is back with us this week. As this podcast was being recorded the rest of the office was putting the finishing touches to an education event aimed at showing Gen-Z (and their family) all about how they can get into property...

Before 1966, Australia used a currency system that might seem to be puzzling for us today. Instead of the dollars and cents we're familiar with now, they used pounds, shillings, and pence. This system had its roots in British traditions, but as times changed, it became clear that a switch to decimal currency was necessary for various practical reasons. Imagine going to the store and trying to calc...

You would have heard the word depreciation, but what does it mean? It's a slow change in value that happens to things over time. Depreciation affects both cars and property, but in different ways, especially in Australia.   When you buy a brand-new car and drive it out of the showroom, it's no longer considered "new". Cars lose value as they get older and are driven more. This decline in value is...

Have you ever wondered where all the numbers and facts about Australia come from? Well, a big part of that job is done by the Australian Bureau of Statistics, or ABS for short. A treasure trove of information: Imagine you're curious about how many people live in Australia, how many babies are born each year, or how many people have jobs. The ABS is the place to go for these kinds of answers. Its m...

"If I had asked people what they wanted, they would have said faster horses." Henry Ford 1863-1947 Founder Ford Motor Company    Henry Ford is a pioneer of the automobile industry, he was the founder of Ford Motor Company and chief developer of the assembly line technique of mass production. His statement holds a profound lesson in innovation and vision. Before we pull the wheels off this statemen...

On this weeks show we have a blunt chat about how putting things off can totally mess with our quest for wealth. Procrastination comes to visit all of us from time to time. It’s the act of delaying or postponing tasks despite knowing their importance. It’s often due to avoidance from a lack of motivation or time mismanagement. If left unchecked it eventually leads to decreased productivity, increa...

When it comes to property investing, the journey can be both exciting and financially rewarding. However, navigating the intricate landscape of real estate and finance requires more than just blind enthusiasm, it demands a team of professionals who specialise in various aspects of the process. From property researchers and mortgage brokers to financial advisors, tax accountants, conveyancers and w...

“The investor’s chief problem and even his worst enemy - is likely to be himself.” Benjamin Graham was a British-born American economist, professor and investor and one of the granddaddy's of modern day economics theory and thought. The two main emotions we have are fear and greed – this is why some people are motivated by either the carrot or the stick. Today we are not taking a peak behind the c...

Welcome to the podcast! Tax time always fun and while property investors are often happy with the potential tax credits they can get, it's becoming a horror show for accountants with the increasing workload. Today, we'll discuss some essential tips to stay on the good side of the Australian Taxation Office (ATO) and avoid potential penalties. The ATO is taking a closer look at rental property owne...

Borrowing power refers to the amount of money a lender is willing to lend you for various purposes, it can be anything from buying a house, your investment property, a new car, a business, sofa or just about any other financial need. The borrowing power is determined based on several factors and the exact process may vary depending on the type of loan you're seeking and the lender's specific requi...

In a momentous announcement, the Australian federal government has officially confirmed the appointment of Michele Bullock as the new Governor of the Reserve Bank of Australia (RBA) . Scheduled to take office in September, Bullock will be the first woman to hold this prestigious position in the RBA's history, marking a significant milestone for gender representation in the country's central bankin...

The RBA's decision to keep interest rates unchanged at 4.1% was a welcome relief. If we consider the CPI from January to May on an annualized basis, it is now below 2.8%. Additionally, there are still 12 previous rate hikes that have not fully impacted the economy. Over the 12 months leading up to May 2023, inflation has significantly decreased from 6.8% to 5.6%, with a peak of 8.4% in December 20...

Once upon a time in the bustling city of Prosperis, there lived a young and ambitious woman named Lily. Lily worked diligently at ‘Big City Corporation’, where she dedicated long hours to her job. However, Lily had a burning desire to create wealth for herself and pursue her dreams of building a property portfolio. One day, as she sat at her desk crunching numbers and writing reports, Lily receive...

In the age of abundant information, the temptation to embark on self-directed research on unfamiliar subjects is high. However, there are inherent risks and limitations to solely relying on self-conducted research when delving into topics one lacks expertise in. This weeks podcast takes a peek into the pitfalls of relying solely on self-research and highlights the importance of seeking expert guid...

We all remember our first time... The First Home Buyer Assistance Scheme is a government initiative in New South Wales, Australia, that provides financial support to eligible first-time homebuyers. It includes benefits such as grants, exemptions, and concessions on stamp duty to help make homeownership more accessible and affordable for first home buyers. The First Home Buyer Assistance Scheme, al...

After a long day battling away at work, fighting the good fight you get home and find your place of solitude on the sofa, flopping down and switching on the TV. Those noble news readers, with pearly white teeth and perfect hair give you updates on everything that’s been going on out in the mad, mad world. In amongst the whirlwind tales of stock market rises, falls, political arguments, exchange ra...

Property investment is a significant financial decision that requires careful consideration and analysis. Engaging in thorough research before making investment decisions is crucial to ensure informed choices and maximize potential returns....or is it??  This weeks podcast has special guest Dr Tony Hayek, founder and CEO of Blue Wealth Property who developed Australia’s only independently audited...

Tax is a compulsory financial charge that is imposed by all the governments on us, the people, the individuals, the businesses, The reason is quite simple, its to fund public expenditures and services. It is typically levied based on income, profits, property, transactions, or goods and services. Government have no spending money without it so failure to pay may result in some big legal consequenc...

We have seen recent interest rate increases and last week we have finally seen several lenders begin lowering their serviceability assessments rates for certain borrowers This is all in a bid to help more customers refinance. We talked a while ago about how many fix rated home loans are expiring this year Over 800,000 loans are coming off some lovely low rates and the rates going to jump and their...

King Charles III has inherited his mother’s wealth worth a combined £17billion. The vast majority of this wealth has been passed down over nearly 1000 years rather than being created by the current generation. It consists almost entirely of centuries-long ownership of land and property across the country and even the seabed around the British Isles. With the ownership dating back to at least 1066...

Eggs are a symbol of new life, fertility, and in many traditions a sign of rebirth. In some cultures, eggs are associated with spring and the renewal of nature, while in others they are seen as a symbol of creation in the cycle of life. In religious contexts, eggs sometimes represent spiritual renewal or resurrection. Eggs are also a extremely rich source of nutrients and are often associated with...

My Father taught me to drive, a tale about the importance of getting the correct education. When I turned sixteen, I got my learners’ permit and my father, like so many dads before him, was given the duty of taking me out on the road for driving lessons. I love my dad, he’s always done his best for me. But I was unfortunately asking him to do something that he wasn’t trained for. He’s never held a...

A property manager is a professional who manages real estate properties on behalf of you, the owner. Their role is ensuring the property is well-maintained and generating income through rental or lease agreements. However there are plenty of mistakes that a property manager can make, but some of the most common ones include: Failing to properly screen tenants. Neglecting maintenance and repairs. P...