In this episode, we dive into the world of self-managed super funds (SMSFs) as a wealth creation mechanism with our esteemed guest, Natalia Clack, Director of Easy Super and an award-winning accountant and superannuation specialist. Natalia sheds light on the critical aspects of managing your own superannuation fund, emphasising the importance of compliance, especially when engaging in high-risk strategies. She stresses that before setting up an SMSF, individuals should have their risk appetite and financial goals thoroughly assessed to ensure this option aligns with their needs and capabilities. A key focus of the discussion is on the ability of SMSF holders to borrow funds through Limited Recourse Borrowing Arrangements (LRBAs). Natalia explains this complex yet potentially powerful strategy, breaking down what it means for both lenders and borrowers. She outlines the opportunities this presents for expanding investment portfolios within superannuation, while also highlighting the associated risks and compliance requirements. Throughout the podcast, Natalia's expertise shines as she provides valuable insights into the intricacies of SMSFs, offering listeners a comprehensive understanding of how these funds can be leveraged as a wealth creation tool when managed correctly and responsibly. This episode serves as an essential guide for anyone considering an SMSF or looking to optimize their existing fund, providing expert advice on navigating the complexities of self-managed superannuation in Australia. ***DISCLAIMER** This is not financial advise any knowledge gathered today is shared for informational puproses only and should not be taken as personal financial advise. Please contact Natalia Clack for a free discovery session at the Easy Super website. Today's episode was produced and presented by Sage Godrei Creative Director at https://www.rocketshot.tv/https://www.rocketshot.tv/ Get your brand seen on digital TV and digital billboards out-of-home contact us today.

Sage a reporter and researcher, discusses the importance of self-development, clear-thinking, due-diligence and an ability to make short term sacrifices when thinking of entering the property market for the first time. Tony Van de Kerkhof is the Co-Director of property brokerage firm based in Melbourne The Finance Family. He shares his insights about helping people break into the Melbourne housing market with property in the $700-800k range. He also shares his insights on the benefits of the recent 2024 federal budget and how to avoid mortgage distress. **DISCLAIMER*** This is not financial advice. Please seek the services of a reputable and registered finance broker to assess your current situation and goals for personal financial advice. For more information on Tony Van de Kerkhof please head to: www.thefinancefamily.com.au For more information on Sage the host: www.rocketshot.tv www.onthecuspprod.net

Sage a researcher and reporter spoke to the knowledgable Tyron Brown quantity surveyor and CEO of Washington Brown. Tyron shares insights from decades of experience in the construction industry consulting for blue-chip companies like Meriton Group. Tyron shares his insights on capital gains tax and negative gearing. Including how he thinks the banks are making it difficult for construction companies with rigid fixed-price contracts during tumultuous economic conditions due to the pandemic effect. Tyron sheds light on how inflation is measured when calculating depreciation and talks about the working parts to implementing the negative gearing strategy. ***DISCLAIMER*** This is not financial advice. You can find out more about Tyron Brown from his website: www.washingtonbrown.com.au You can find out more about Sage Godrei the host: www.onthecuspprod.net www.propvestor.net

Sage a researcher and reporter shares insights from a Senior Policy Advisor at the Business Council of Co-ops and Mutuals Australia. The benefits of the housing co-op model is discussed and Linda shares insights from her experience living in a housing co-op in Tasmania and researching them globally. More information and research papers can be found at the following websites: www.acha.coop housingcoopresearch.org.au bccm.coop **DISCLAIMER** This is not financial advice if you seek individual financial advise please contact a registered and reputable financial advisor.

Sage a researcher and reporter discusses the Australian property market and the factors that are having the strongest impact at the beginning of 2024. In this episode Susan Farquhar the Managing Director at Calla Property shares insights regarding the APRA serviceability assessment, interest rates, growth rate between units and houses plus much more. Susan has had decades of experience in the Australian housing market and is an open-minded speaker who is interested in housing as a basic need as well as it's prospects as an asset for investment. ***DISCLAIMER*** This is not financial advice, if you require individual financial advice specific to your needs please seek out a reputable and registered financial advisor. Find out more about the host Sage Godrei www.onthecuspprod.net

Sage a reporter and researcher talks to Susan Farquhar the MD at Calla Property. Susan shares her insights on the economic factors that influenced the Australian housing market in 2023 in this informative end of year wrap-up episode. They discuss pertinent issues regarding a shift to more local manufacturing, the importance of a more equitable society with a focus on wages growth, the greater value for money that can be achieved when looking at housing markets near QLD's Sunshine Coast. Susan shares a positive outlook for the 2024 Australian housing market with market trends proving to be clearly post-pandemic. You can find out more information about Calla Property's property investment strategies from their website: www.callaproperty.com.au You can find out more about Sage Godrei the host: www.onthecuspprod.net www.propvestor.net

Sage a researcher and reporter discusses the evolving market dynamics in Australia's robust property market with expert Julian Khursigara. Julian talks about his role as a buyer's advocate and they touch on Housing affordability, RBA monetary policy and progressive housing policy that could be factors shaping 2024's market dynamics.  Today's podcast episode also looks at current trends in the property market based on Julian Khursigara's expert opinion from the business deals he is processing through his property business at present. Julian is a buyer's agent and the co-founder of ⁠https://searchpartyproperty.com.au/⁠ Julian shares his insight on the gentrification of some of Sydney's most popular suburbs having grown-up in Sydney's north-western suburbs in the 1970's. Julian shares his perspective on the Australian cities that he considers "hot markets" at present. ***DISCLAIMER*** This is not financial advise but for informational purposes - please seek out a financial adviser for individual advice on your existing financial goals and position. You can find out more about the host Sage Godrei here: ⁠www.onthecuspprod.net⁠ ⁠www.propvestor.net

Based in Melbourne, ⁠www.emilywallace.com.au⁠ is regularly called upon by major news outlets for her insight on factors impacting Australia's property market. In the current housing climate where sentiment is mixed about which way the market is moving and the demand continues to be exacerbated we explore how the cycle of aggressive interest rate hikes, inflation and borrower's serviceability all play a part in the decision making process for property purchase. Join us on this episode to hear Emily's insight on buying premium real estate versus apartments, the difference between a real estate agent and a buyer's advocate and why some people end up paying more than they should at auctions. She'll also hint at red flags that indicate extra due diligence is needed when looking at a property. Whether you are thinking of rentvesting or buying your forever home listen to this episode to hear about the factors setting the mood of the market conditions and enjoy the discussion between real estate expert Emily Wallace and researcher and innovator Sage Godrei as they put the Australian property market under the lens. Emily is also the host of popular podcast My Millennial Money and My Millennial Property DISCLAIMER This is not financial advice please seek out the services of a reputable and registered financial advisor for personal financial advice. You can find out more about the host Sage Godrei from: www.onthecuspprod.net www.propvestor.net

TicX featured on Dreams to Realty Property Insights Host and Researcher Sage Godrei had the pleasure of interviewing Real Estate agent and Founder of ticx.com.au Tony Puls about a solution for Australia's housing affordability crisis. Tony's 40-year career in real estate and his experience with crowdfunding were discussed, leading to the development of an equity-based crowdfunding platform recognised by the World Bank. His understanding of corporate and real estate law was also highlighted, along with plans for a trading exchange for tenant in common shares in property. Tenant in Common Exchange Platform Benefits Sage and Tony discussed the benefits of the tenant in common exchange platform, which allows real estate agents to offer any property for shared ownership. They explained how the platform has helped people who were previously unable to buy properties on their own to get a foot on the property ladder. The tenant in common exchange also provides a regular income stream from rental payments for the buyers. They talked about the legal aspects of this type of ownership and how the platform can help alleviate financial issues for people. Sage's focus was particularly on women, who may have been displaced or experienced financial hardship. They also discussed how the platform helps people find investors for their properties and the potential for lenders to provide loans specifically for tenant in common purchases. **DISCLAIMER** This is not financial advice. It is for informational purposes. Find out more about Tony Puls at www.austpac.au Anthony (Tony) Puls, has had over 40-years experience in raising funds for SMEs and holds a wealth of information on the subject. He is recognised as one of the founding fathers of crowdfunding globally. Tony was doing crowdfunding before the word ‘crowdfunding’ was even invented! See: SME Bonds launched. Tony has always been a strong advocate for regional development through business growth. During the early 1990’s, Tony set up a consortium, that included Birss Consulting Group (Sydney) & the Hunter Technology Development Centre (based at Newcastle University). In 1991 the consortium lodged an application through the New South Wales Corporate Affairs Commission to the National Companies & Securities Commission (NCSC), before it became known as ASIC, with a view to creating a type of stock market that SME’s could use to cost-effectively raise start-up and early-stage capital. Over the years, Tony has been involved in a number of studies including the Industries Commission study “Availability of Capital” commissioned by Paul Keating in 1991; Financing Growth 1995; Informal Equity Investment 1997; Investment Readiness Study 1997, Study of a Growth Equity Market for Australia 1997 as well as having been invited by the Australian Securities and Investments Commission (ASIC) in 1997 to contribute comment to the final drafting of a Class Order which provided the exemptive relief (from the Corporations Act) necessary to making crowdfunding an easier and cheaper way for SME’s to raise capital.  To Washington & the SEC In 2013 Tony was invited to Washington by the Securities and Exchange Commission & FINRA to help with the development of crowdfunding regulations as part of President Obama’s Jobs Act initiative. See World Bank report – pages 18 & 46 where it references ASSOB as being the World’s most successful equity crowdfunding platform.  (excerpt from Tony Puls website) You can find out more about Sage Godrei from: www.onthecuspprod.net www.polestarhub.io www.sagegodreiactor.com

Charles Zerafa Senior Business Finance Broker and Corporate Finance Specialist Contacted via his website www.charleszerafa.com.au He is also available on mobile: 0455 662 405 **DISCLAIMER** This is not financial advice - podcast for informational purposes only. Charles Zerafa shared insights with researcher Sage discussing the benefits of seeking financial advice earlier in one's self-employed journey to prepare their finances for purchasing commercial properties. This high-yield strategy used for scaling businesses & diversification is popular but Charles cautioned that it requires a solid team of professionals and a thorough understanding of the market. Charles also highlighted the importance of seeking financial advice before borrowing from one's super fund, with an emphasis on the tax implications of investing in residential property inside a super fund and how negative gearing works differently for SMSF loans. The discussion concluded with Charles and Sage discussing various strategies parents can use to help their children enter the property market, including acting as guarantors on a loan, setting up a joint trust, and gifting equity in the property back to the child. They also noted the increasing popularity of multigenerational homes. Finance Brokerage Charles, with over 25 years of experience, specialises in finance broking currently at Integrity Finance Australia, helping clients ranging from small businesses to international multinational corporations. He explained that Integrity Finance Australia primarily provides finance brokerage services, with a particular focus on home lending and business banking. Charles emphasised his passion for and expertise in helping businesses grow and secure the necessary finance. Tailored Financial Solutions for Small Businesses Sage and Charles discussed the complexity of business banking and loans, and how their expertise can benefit small businesses. They explained that small businesses often accept what banks offer, which may not meet their specific needs or future plans. Sage asked about the cost of credit ratings and inquiries for clients, and Charles explained that multiple inquiries can lower a credit score. Lastly, they touched on the high rate of business insolvency in Sydney and how their services could potentially help businesses struggling during Covid Commercial Real Estate Investment Benefits They highlighted that commercial properties often have higher income returns than residential properties, and the upfront cost is lower. However, they emphasised that purchasing commercial properties requires a solid team of professionals and a thorough understanding of the market. Charles discussed the possible additional costs involved with large commercial warehouse fit outs with new tenants. The discussion ended with the speakers discussing the challenges of self-employment and gig work, but no specific solutions were provided. Financial Advice and Super Fund Borrowing Charles emphasised the importance of seeking financial advice before borrowing from one's super fund, as each situation is unique. He highlighted that there are significant differences between investing in residential property outside and inside a super fund, with different tax implications. The main advantage of a self-managed super fund loan is that it can be used to purchase a commercial property, providing a high income yield. Charles also suggested that it's crucial to have a diversified portfolio and not to commit all funds to a single investment. Sage asked about the eligibility criteria for a self-managed super fund loan, and Charles confirmed that the loan cannot be used to purchase a place of residence, it must be rented out. The discussion ended with Charles mentioning various strategies he has been using to help his clients' children enter the property market, considering the rapidly increasing prices. Host and Author Sage Godrei www.onthecuspprod.net www.polestarhub.io (coming soon)

Scott Yip has just launched a new business Yippee Finance after several years of working in traditional lending institutions. He shares his insight as a registered mortgage broker & "rentvester" himself. He talks realistically about what is involved with loan preparation and becoming market ready. Many questions arise when thinking about entering the property ladder, like type of asset and whether you'd want to buy a new home, established, older property or house and land package. Location, location, location is also a huge determining factor but most of all it's whether you feel confident that your financial situation including job security and macro elements impacting the market will work with your chosen strategy. Scott shares his insights on finding the right team to assist you on your journey and his approachable manner allows even those who are new to the property market to understand the concepts involved. ***DISCLAIMER*** This is not financial advice, this discussion with Scott Yip is for informational purposes as food for thought and not to be taken as financial advice as we do not know the specifics of your personal situation and are not able to provide you with advice. Please seek out the help of a reputable and registered financial adviser to provide you with personal direction for your home purchase. Contact Scott Yip Founder Yippee Finance: Scott Yip, founder and mortgage broker at Yippee Finance, brings over 15 years of banking expertise to help you get the BEST finance product to suit your needs. Follow along as he shares his in-depth property and financial insights on this channel and podcast, "Chat with Property." https://www.yippeefinance.com.au/ linkedin.com/in/scott-yip-2163bb58 Host Sage Godrei (award-winning and emerging writer and researcher) www.onthecuspprod.net

Sage a researcher and host interviews Susan Farquhar the Managing Director at Calla Property about some of the pulsing issues in the Australian Housing market. Some of the points discussed in this episode include: What is the difference between risk tolerance and risk appetite? How does it affect your property investment decisions?What are the factors contributing to the housing supply shortage?How can superannuation be used to purchase property?What are the pros and cons of moving out of your comfort zone to purchase a property? Takeaways: It is important to understand your risk tolerance before you invest in property.The housing supply shortage is a major challenge for buyers, but there are still ways to find a property that meets your needs.Superannuation can be a great way to finance a property purchase, but there are some rules and restrictions that you need to be aware of.Moving out of your comfort zone can be a scary, but it can also be a rewarding experience. **DISCLAIMER** This is not financial advice, if you need personal financial advice please seek out the assistance of a reputable and registered financial advisor. www.onthecuspprod.net www.callaproperty.com.au

Sage a researcher and reporter discusses the factors influencing the housing market relating to buyer behaviour after Covid, the influx of new listings during the Winter months this year and how the interest rates being held steady at 4.1% for another month August 2023 could impact the markets. Susan Farquhar Managing Director at Calla Property shares insight into how the borrowing cap from the Royal Banking Commission in 2016 may be adding to the housing deficit. She also shares some excellent knowledge about infrastructure being invested into Brisbane's civil engineering to prevent storm damage. ***DISCLAIMER*** This is not financial advice instead it's an informative discussion with a real estate investment expert. We don't know your financial goals or what your existing situation is like so we are not able to offer individual financial advice. Please seek the assistance of a registered and reputable financial advisor for personal financial advice. www.onthecuspprod.net www.callaproperty.com.au

Sage a researcher and reporter discusses housing affordability with Chief Economist Peter Tulip from the Centre for Independent Studies and property investment specialist Susan Farquhar Managing Director at Calla Property. They cover topics in relation to monetary policy, economic growth and who should be accountable for housing policy in Australia. They discuss the lack of supply of housing that has been exacerbated by supply chain issues and the post-Covid reality we live in. Peter and Susan both share insights from their decades of experience in housing on government stimulus schemes and how they impact the property market as well as building zoning and immigration policy. ***DISCLAIMER*** This is not financial advice it is a discussion to share knowledge from two experts in their fields to help raise awareness into the housing crisis in Australia. If you require individual financial advice please call a reputable and registered financial advisor. www.cis.org.au Peter Tulip, Chief Economist at the Centre for Independent Studies formerly a researcher at the Reserve Bank of Australia, OECD and US Federal Board of Governors. www.callaproperty.com.au Susan Farquhar is the Managing Director at Calla Property she has been working on her strategy Calla Insights which only selects less than 10% of properties on the market for investment. She also has other strategies such as Calla Air and Calla Co which are really innovative - if you are looking to break into property investment or extend your existing portfolio give her team a call.

Sage a reporter and researcher talks to Susan Farquhar Managing Director at Calla Property about trending economic data relating to house prices in Sydney, Melbourne and Perth. We discuss the increasing population and how it relates to the supply and demand co-efficient. ***DISCLAIMER*** This is not financial advice, if you are seeking personalised financial advise reach out to the team at Calla Property and make an appointment or contact a reputable and registered financial advisor. https://www.callaproperty.com.au https://www.onthecuspprod.net

Sage a reporter, creative producer and researcher talks to Susan Farquhar Managing Director at Calla Property an experienced property investment specialist about the current economic times and how they relate to the property market in Australia. www.onthecuspprod.net www.callaproperty.com.au ***DISCLAIMER** This is not financial advice please seek out a reputable and registered financial advisor for any questions about your personal financial situation.

Virginia Baker-Woolf who works at UNSW and is the founder of www.thewomensmoneyproject.com will share her insights from much investigation into women's money matters. We dive deep into issues like why 61% of women prefer to talk about death than money and how the glass ceiling and other systemic issues impact women's life savings. Virginia sheds insights on why there is a "motherhood penalty" and the sad fact that loneliness drives women to make some incorrect decisions with their money. DISCLAIMER This is not financial advice in any way but a discussion between Sage Godrei a researcher and reporter and a women's money expert. Please make an appointment with a registered and reputable financial advisor for personal financial advice. www.onthecuspprod.net www.polestarhub.io - coming soon - register now to find out more when we go live.

In this episode Susan talks through her understanding of market cycles and factors that can weigh in on valuations, as well as her insight on the recent small rises in the property market and whether we are entering a heated market. Sage Godrei is a researcher and reporter who is interested in developing women's financial literacy and helping to gain more insight into Australia's property market. Susan Farquhar is the Managing Director at Calla Property, with decades of experience working in the real estate investment sector she operates a business out of Sydney, Australia. www.callaproperty.com.au **DISCLAIMER** This is not financial advice in any way but a discussion between Susan and Sage sharing insights from Susan's day to day work in property. If you seek independent financial advice make an appointment to discuss your goals and financial situation in more detail.

Susan Farquhar Managing Director and Founder at Calla Property joins Sage again to share insights from her decades of experience in the property market. Listen to this episode with researcher and reporter Sage interviewing Susan about her personal experience entering the property market in her early 20's only to find she had purchased a nightmare house, which ended up costing her more money than it should of, offering very little yield and then having to hold onto it for much longer than she should have. There's no guarantee with any investment class that you are going to make a profit, there is always an element of risk. However, experienced investors can learn ways of mitigating and minimizing risk and that's why we reach out to the experts to share insight from their experience. DISCLAIMER This is not financial advice this is a discussion with a specialist who accessing property market data and assists her clients on a daily basis. This episode is not personal financial advice and should not be applied to your personal financial decisions as we don't know your personal financial goals or situation. Please seek out a reputable and registered financial advisor in order to get help with your financial decisions.

We capture the live action, suspense and drama from a sunny, Saturday morning, Inner West property auction in this episode. Expert insights generously shared from Angelo Lofitis, Managing Director at Lofitis Dulwich Hill Real Estate and his team whilst on site at the auction amidst the hustle and bustle. We also hear insights from Gary Maurer the Inner West Area Specialist at Lofitis Dulwich Real Estate when he's not busy helping buyers on their journey. The podcast opens with Benjamin Hanly, auctioneer from Under the Hammer who explains the impact his role has on conducting the high-octane bidding process and what he looks out for from the bidders. All bidders remain anonymous in the podcast. https://www.lofitis.com.au/ https://underthehammer.net.au/people/profile/ben-hanly/ **DISCLAIMER** Any information shared on this podcast is for awareness raising into the auction process from industry players experience. This is not to be used to make any investing decisions as it is not financial advice. If you need advice make an appointment with a registered & reputable financial adviser.