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Podcast 7 – On going journey, keeping things going

Posted by on 11:48 am in Podcast | 0 comments

Podcast 7 – On going journey, keeping things going

Pod casting from Sydney, Australia – Welcome to Take Control and become the expert in YOUR finances, where You’ll discover sound principals and proven strategies to take your Financial Position to the next level, giving you Complete Control and Certainly in today’s turbulent economic conditions. – Angela Dye!  http://www.richmondresidential.com.au/wp-content/uploads/podcast_music/PODCAST7-MIX.mp3Podcast: Play in new window | DownloadSubscribe: Apple Podcasts | Android | RSS Episode 7:  On going journey, keeping things going Constant review of budgets, income goals What happens if… lost job, unexpected baby, family crisis or is life gets in the way. Learn when NOT to panic, Be secure, stick to the plan. For More Information Visit: http://www.richmondresidential.com.au/ Here is a small sample of the Podcast content below: Angela: Hi everyone. It’s Angela Dye. Welcome back. We’re getting close to the end of the podcasts now, so I hope you’ve been enjoying them all. This one’s based on what happens next after we have decided to buy the investment property. Interviewer/Support: Okay, great, Angela. So we’ve got our investment property that we have purchased and it’s almost ready to go for the tenants to move in. Are there any things that we need to have in place or be mindful of to really help us along the ongoing journey and keep things going? Angela: One of the most important things here is recordkeeping. We need to make sure that you’ve set yourself up a folder, either on your computer or a hard copy, where you keep all of the paperwork that’s relevant to the purchase of the property and the ongoing costs associated with the property. Another important thing to do is make sure you’ve done your depreciation schedule, you’ve had that done for you, and you’ve given that to your accountant. And then your accountant should be looking at doing a tax variation for you. Interviewer/Support: So what does depreciation actually allow you to do, a depreciation...

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Podcast 6 – How to use property as a tool to achieve financial goals.

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Podcast 6 – How to use property as a tool to achieve financial goals.

Pod casting from Sydney, Australia – Welcome to Take Control and become the expert in YOUR finances, where You’ll discover sound principals and proven strategies to take your Financial Position to the next level, giving you Complete Control and Certainly in today’s turbulent economic conditions. – Angela Dye!  http://www.richmondresidential.com.au/wp-content/uploads/podcast_music/PODCAST6-MIX.mp3Podcast: Play in new window | DownloadSubscribe: Apple Podcasts | Android | RSS Episode 6:  How to use property as a tool to achieve financial goals. Concept of leverage Other people’s money Equity growth faster than saving For More Information Visit: http://www.richmondresidential.com.au/ Here is a small sample of the Podcast content below: Angela: Hi everyone. It’s Angela Dye here. Welcome to our next podcast. Hope you’re enjoying the series so far. Don’t forget, if you have any questions, go to the website and send an email or you can call the office direct. Interviewer/Support: So Angela, we’ve got our budget in place and our loan structure and everything’s humming along nicely and we’re starting to actually pay off some of the loan and generate some redraw in the loan, some equity in the loan. What do we do now? What’s the next step? Angela: Well, this goes back to our goals and the discussions we’ve had earlier with the particular client as to what it is they want to do. So most of the time, people are looking at, “Okay, now that we have redraw, we’d like to say buy an investment property.” Or some people just want to pay their home off. They’re happy to pay their mortgage off, and if they own their own home, they’re happy chappies. Other people, though, once they see that they can pay their loan off, they then want to start to create a portfolio of property. So we use the redraw to do that. When we get to a level of redraw where we have enough for deposits and...

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Podcast 5 – On the Journey

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Podcast 5 – On the Journey

Pod casting from Sydney, Australia – Welcome to Take Control and become the expert in YOUR finances, where You’ll discover sound principals and proven strategies to take your Financial Position to the next level, giving you Complete Control and Certainly in today’s turbulent economic conditions. – Angela Dye!  http://www.richmondresidential.com.au/wp-content/uploads/podcast_music/PODCAST5-MIX.mp3Podcast: Play in new window | DownloadSubscribe: Apple Podcasts | Android | RSS Episode 5:  On the journey how do you determine what product is the best one for me Why do you say not to get caught up in the interest rate how do we work together to achieve our goals Identify the best product for me, and how to use product Prepare for life’s uncertainties and for future expenses, children, uni, holiday etc For More Information Visit: http://www.richmondresidential.com.au/ Here is a small sample of the Podcast content below: Angela: Hi everyone. It’s Angela Dye here. Welcome back. I hope you’ve enjoyed everything so far. On the last podcast, we were talking specifically about what we do with your current financial products and whether we have to refinance them. In this podcast, what we’ll do is discuss the products that are actually available and things like interest rates and what they can do for you. Interviewer/Support: So Angela, how do you actually determine what the right product is for me and what would empower my strategy to move forward as quickly as possible? Angela: Well, it goes back again to what we always say – your goals and your dreams and your budgets and your lifestyle. So the main thing we need to do is make sure that we put in place a transactional account. The transactional account is usually the main account, so it usually sits against the owner-occupied property and it give us a facility to be able to pay certain parties, do BPAYs, pay anyone, checkbook if we need...

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Podcast 4 – Start the process

Posted by on 2:43 am in Podcast | 0 comments

Podcast 4 – Start the process

Pod casting from Sydney, Australia – Welcome to Take Control and become the expert in YOUR finances, where You’ll discover sound principals and proven strategies to take your Financial Position to the next level, giving you Complete Control and Certainly in today’s turbulent economic conditions. – Angela Dye!  http://www.richmondresidential.com.au/wp-content/uploads/podcast_music/PODCAST4-MIX.mp3Podcast: Play in new window | DownloadSubscribe: Apple Podcasts | Android | RSS Episode 4:  Start the process Will I have to refinance the loans I have. What do you mean by the structure of a loan. What is auxiliary debt. What loans do you already have? Do they need to be restructured, how can we use them? Get rid of auxiliary debt / credit cards Loan types and how to use them How to use mortgage products to maximum potential Power of 1$ For More Information Visit: http://www.richmondresidential.com.au/ Here is a small sample of the Podcast content below: Angela: Hi everyone. I’m Angela Dye. Thank you for joining me today on my next podcast. I hope you’ve enjoyed the previous ones and you’re learning something from them or trying to put them into action. Today’s podcast we’re going to now put all that together and we’re gonna discuss how we now use everything that we’ve learned so far to help you with your financial strategy. We’re gonna look at the financial products that you currently have and see whether or not we can use them. Interviewer/Support: So does this mean, Angela, that I have to refinance the loans that I already have? Angela: Not necessarily. I have to look at everything that you’ve got. We have to see what loans you have in place. If you’ve got multiple properties, we look at whether or not they’ve cross-collateralized. That means they’re linked together, so if something went wrong in a loan, the bank can technically take both properties. They can put them both on the market for sale and then possibly the one that you’re living in – your home – could be the one that sells first – that clears the debt – or you could be in a position where you’d need to sell...

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Podcast 3 – What’s Next – Goal Setting

Posted by on 2:39 am in Podcast | 0 comments

Podcast 3 – What’s Next – Goal Setting

Pod casting from Sydney, Australia – Welcome to Take Control and become the expert in YOUR finances, where You’ll discover sound principals and proven strategies to take your Financial Position to the next level, giving you Complete Control and Certainly in today’s turbulent economic conditions. – Angela Dye!  http://www.richmondresidential.com.au/wp-content/uploads/podcast_music/PODCAST3-MIX.mp3Podcast: Play in new window | DownloadSubscribe: Apple Podcasts | Android | RSS Episode 3:  What’s Next – Goal Setting why is it important to have financial goals what id my goals are to high or to low what if I want to change my goals how do we link all the parts of the strategy together together. What do you want to achieve? If there was no limit what would you do? Financial strategy, cash flow based on Budget / Spending For More Information Visit: http://www.richmondresidential.com.au/ Here is a small sample of the Podcast content below: Angela: Hi. I’m Angela Dye. Thank you for joining me on today’s podcast. I hope that you’ve enjoyed the podcasts on the website so far. Now we have discussed budgets and how they link with your income and how they can help you with your financial future. It’s time to move on to the next, which is goal setting. Interviewer/Support: So Angela, is there any particular age group or type of person that this whole strategy is going to work best for or is it gonna work for everyone basically? Angela: Should work for everybody. Whether you’ve already got property or you’re looking to buy property, you want investment portfolios, you want an owner occupied, or you just wanna take control of you day to day finances, this should work for anybody who is currently working, has an income, and wants to make the most of it. For people who aren’t currently working, there might be unemployment benefits. It still helps to have a budget. If everybody has a budget, then they know where they’re heading. So we can help...

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Podcast 2 – Linking Budget to Income / Liabilities

Posted by on 2:30 am in Podcast | 0 comments

Podcast 2 – Linking Budget to Income / Liabilities

Pod casting from Sydney, Australia – Welcome to Take Control and become the expert in YOUR finances, where You’ll discover sound principals and proven strategies to take your Financial Position to the next level, giving you Complete Control and Certainly in today’s turbulent economic conditions. – Angela Dye!  http://www.richmondresidential.com.au/wp-content/uploads/podcast_music/PODCAST2-MIX.mp3Podcast: Play in new window | DownloadSubscribe: Apple Podcasts | Android | RSS Episode 2:  Linking budget to income / liabilities What is the next step after the budget Why do you ask about our current financial position How do we use the budget and cash flow in our strategy How do we benefit from using a cash flow Cash flow – How do we determine whether we are Overspend / Underspend – Current Financial Situation leads to goal setting For More Information Visit: http://www.richmondresidential.com.au/ Here is a small sample of the Podcast content below: Angela: Hi everyone. It’s Angela Dye here again. Thank you for joining me. Hope you enjoyed the last podcast on the budgets. If you have any questions regarding that, you can go to the website and email me or you can call me on the numbers for the office that are on the website. Today we’re gonna go forward to the next podcast, which is linking the budget to the income. Interviewer/Support: So Angela, what is the next step after we’ve actually finished our budget? Angela: Once you’ve finished a budget, then we have to make sure that it works with your current income and your current [unintelligible]. So then we have to start doing our cash flow. So based on the numbers that I take from the clients – and they’re different for every client – I put together a cash flow that projects forward what’s going to happen with their finances based on the budget that they’ve given me. Interviewer/Support: And so are we taking into account their current situation – current financial position? Angela: Yes, we are. We have to look at everything that they have. Interviewer/Support: At that point, yeah? Angela: Yeah, we have to look at everything that they’ve...

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Podcast 1 – Take Control & become the expert in YOUR finances with Angela Dye

Posted by on 5:22 am in Podcast | 0 comments

Podcast 1 – Take Control & become the expert in YOUR finances with Angela Dye

Pod casting from Sydney, Australia – Welcome to Take Control and become the expert in YOUR finances, where You’ll discover sound principals and proven strategies to take your Financial Position to the next level, giving you Complete Control and Certainly in today’s turbulent economic conditions. – Angela Dye!  http://www.richmondresidential.com.au/wp-content/uploads/podcast_music/PODCAST1-MIX.mp3Podcast: Play in new window | DownloadSubscribe: Apple Podcasts | Android | RSS Episode 1:  Budget – Getting ready Why Budget ? Budgeting – what is it? Budget Examples Budget Sheet Writing Budget For More Information Visit: http://www.richmondresidential.com.au/ Download Resources Offered in this Podcast Budget Weekly Sheet   Here is a small sample of the Podcast content below: Angela: Hi everyone. I’m Angela Dye. Thank you very much for joining me on our very first podcast. Over the next few months, we’re gonna take you through the different aspects of your financial strategies to help you achieve the maximum you can from your finances. One of the most important parts of a good financial strategy is your budget. Interviewer/Support: Come on, Angela. You know that everybody just cringes when they hear the word “budget”. Why is setting a budget such an important part of your financial strategy? Angela: Well, you don’t get rich by what you earn. You get rich by what you spend. So it’s important that you understand what you spend and you keep control of your spending. So having a budget is not about not doing what you want to do, but it’s about being aware of what you’re spending when you’re doing what you like to do. Interviewer/Support: Right, so it sorta helps you take a little bit more of a control of your money so that you know where it’s going and what you’re doing with it. Is that the whole goal of- Angela: That’s correct. Interviewer/Support: -putting together the...

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