http://www.jamescagney.com.au/ Mon, 21 May 2012 00:47:40 IRPS Associates Articles http://www.jamescagney.com.au/articles/What-is-your-property-worth-today?.html http://www.jamescagney.com.au/articles/What-is-your-property-worth-today?.html Many people today are anxious about what their property is worth today and what will it be worth in 2012 and beyond? Are you? If so no need to worry - just keep reading. In the midst of the economic turmoil in Australian and the international share market and the subsequent decline in Superannuation funds in Australia - residential property has been the most stable performer. Reports are that prices of residential property in... http://www.jamescagney.com.au/articles/Get-the-$10-000-gift-from-the-Queensland-Govt..html http://www.jamescagney.com.au/articles/Get-the-$10-000-gift-from-the-Queensland-Govt..html In the midst of the economic turmoil with dramatic falls in the Australian and international share market and the subsequent decline in Superannuation Funds, residential property has been the most stable performer during 2011. Reports are that prices of residential property in Australian capital cities are down. You simply can’t make generalizations like that. In every capital city there are suburbs which are still growing,... http://www.jamescagney.com.au/articles/Who-is-going-to-pay-for-this?.html http://www.jamescagney.com.au/articles/Who-is-going-to-pay-for-this?.html When Australians retire at 65 or 67 years of age (and don’t be surprised if the government increases this to 70 years before you can retire) you might be under the misconception you can sell your home, downgrade to a smaller home and live off the balance of your money. Pensioners are doing it tough and will do it even tougher as inflation takes a bigger and bigger slice out of their Super, savings and pensions. Think about it... http://www.jamescagney.com.au/articles/How-long-will-you-live-in-retirement?.html http://www.jamescagney.com.au/articles/How-long-will-you-live-in-retirement?.html You urgently need to re-think the financial model your grandparents and parents followed because it simply does not work in the economic and social climate we live in today! The mistake more than 80% of Australians make is assuming that the mortgage they took out and will eventually pay off, after years of hard work and sacrifice, is the biggest debt they would have in life. The biggest debt you will ever incur is in fact, your... http://www.jamescagney.com.au/articles/What-Australians-do-not-what-to-hear!.html http://www.jamescagney.com.au/articles/What-Australians-do-not-what-to-hear!.html The Australian Government has abdicated its responsibility to look after hard working people in their retirement by creating the misnomer that it is employers who should pay for our retirement through the Superannuation scheme. You have been led to believe that this contribution is adequate for your retirement. Well it’s not. The average Superannuation contribution by employers and employees for many countries in Europe is around... http://www.jamescagney.com.au/articles/Most-Australians-will-retire-poor!.html http://www.jamescagney.com.au/articles/Most-Australians-will-retire-poor!.html The current cost of living will ensure most Australians will retire poor! There will be over 7 million retirees and welfare recipients compared to approximately 12 million working Australians during the next 15 years. That means that the working Australians will end up paying more income tax to pay for these pensioners and social security recipients.   Most people retiring today will live into their late eighties and... http://www.jamescagney.com.au/articles/Over-94%-of-Australians-will-have-a-miserable-retirement!.html http://www.jamescagney.com.au/articles/Over-94%-of-Australians-will-have-a-miserable-retirement!.html Over 94% of Australians will have a miserable retirement! Most people have no idea how much money they are going to need in retirement. The government-legislated 9% employer contribution into Superannuation and the gradual increases to 12% and 15% over the next few years, are hopelessly inadequate. Many countries in Europe have had similar schemes since the end of World War II in 1945. Some employers in these countries pay as much as... http://www.jamescagney.com.au/articles/Is-your-Superannuation-on-the-table-at-the-World's-biggest-casino?.html http://www.jamescagney.com.au/articles/Is-your-Superannuation-on-the-table-at-the-World's-biggest-casino?.html IS YOUR SUPER ON THE TABLE AT THE WORLD'S BIGGEST CASINO? I wonder how hard working Australians are feeling right now, watching the value of their Superannuation Fund depreciate year after year? The problem is Australians rely on fund managers, stock brokers and financial planners to manage their wealth for them. It's like letting the management of the Casino gamble for them. Who do you think is going to win? They do... http://www.jamescagney.com.au/articles/The-Superannuation-Ship-is-sinking.....html http://www.jamescagney.com.au/articles/The-Superannuation-Ship-is-sinking.....html If you are not in control of your Super Fund - your ship is going down! I wonder how hard working Australians are feeling right now as they see the value of their Superannuation slide into a watery grave. The problem is the we rely on fund managers, stock brokers and financial planners to manage our wealth for us. We do this because we feel we do not have the knowledge, experience nor the time to do it ourselves. Of course the... http://www.jamescagney.com.au/articles/The-Australian-Govt-wants-to-give-you-over-$113,000-in-tax-free-incentives-over-the-next-10-years.html http://www.jamescagney.com.au/articles/The-Australian-Govt-wants-to-give-you-over-$113,000-in-tax-free-incentives-over-the-next-10-years.html The National Rental Affordability Scheme, called NRAS, is a Government program that will pay YOU tax free incentives of approximately $113,000 over a 10 year period when you purchase an approved  investment  property. What a great opportunity to stop bleeding those tax dollars to the Australian Tax Office (ATO).The government is tackling the huge shortage of affordable rentals on a national level. The NRAS program has... http://www.jamescagney.com.au/articles/Hot-Property-Gold-Coast.html http://www.jamescagney.com.au/articles/Hot-Property-Gold-Coast.html The property market is the most volatile it has been for many years. There are so many experts out there at the moment and the opinions are so extreme it is hard to decipher the truth from fiction.  James Cagney has often said  "Opinions are like noses.....everyone has one.....some are small some are large and some are Roam-an. Yes, so big and ugly that it's Roman all over their... http://www.jamescagney.com.au/articles/How-to-buy-or-sell-a-property-without-the-banks.html http://www.jamescagney.com.au/articles/How-to-buy-or-sell-a-property-without-the-banks.html Are you finding difficult to buy a home or an investment property because: The banks turned you down You do not have enough deposit   You do not have enough equity  or serviceability                   You have a bad credit rating through an oversight or no fault of your own    ... http://www.jamescagney.com.au/articles/Working-harder-and-longer-is-not-going-to-make-you-wealthy!.html http://www.jamescagney.com.au/articles/Working-harder-and-longer-is-not-going-to-make-you-wealthy!.html John D. Rockefeller said "If you want to become wealthy....you must make money work for you. The amount you get paid for your personal effort is relatively small compared with the amount you can earn by having your money work for you". We need a paradigm shift in the way we think. We believe the way to wealth is through WORK, WORK, WORK. This concept is so far from the truth these days because: If you earn... http://www.jamescagney.com.au/articles/Why-we-don't-plan-for-our-retirement!.html http://www.jamescagney.com.au/articles/Why-we-don't-plan-for-our-retirement!.html Who has the time today to plan for their future? We are all so busy these days we can hardly find the time to plan for today and tomorrow - never mind next week; next month or our eventual retirement.  How on Earth did we get so busy? Personal computers, mobile phones, i-pads and all the marvels brought with them like the Internet, Skype, Facebook etc were supposed to make our lives easier! Who amongst us feels they have more... http://www.jamescagney.com.au/articles/Has-the-Gold-Coast-poperty-market-gone-Bust?.html http://www.jamescagney.com.au/articles/Has-the-Gold-Coast-poperty-market-gone-Bust?.html Is the Gold Coast property market bust? Read this article below to gain valuable insight into the Gold Coast market like never before! Much depends on which expert you listen to!  It also depends on which wheel barrow the experts happens to be pushing!  If the expert is a Property Spruiker then the market is "definitely going on the up". If the expert is a Journalist it depends what sells more... http://www.jamescagney.com.au/articles/What-will-happen-to-the-Gold-Coast-market-after-the-floods?.html http://www.jamescagney.com.au/articles/What-will-happen-to-the-Gold-Coast-market-after-the-floods?.html Firstly, our hearts go out to those families who have lost family and friends. In true Aussie spirit many folk are picking themselves up from despair and making the best of what they have left. I am a fan of Michael Matusik, a Queensland property guru, and you will find his views frank and sometimes controversial. I wholeheartedly agree with his views on the future of South East Queensland (SEQ) so go to Matusik Massive for his... http://www.jamescagney.com.au/articles/Are-you-a-Tortoise,-Turkey-or-Eagle?.html http://www.jamescagney.com.au/articles/Are-you-a-Tortoise,-Turkey-or-Eagle?.html Do you want to know why the economy in Australia is depressed? James Cagney has been selling investment property for the last ten year in Australia. He has never seen so many nervous buyers in the market today. He thought he had heard all the excuses for not buying including: -  ”it‘s the Global financial Crises (GFC)“; ”interest rates will go up  to 17% like they did ten years... http://www.jamescagney.com.au/articles/How-are-Australians-and-New-Zealanders-going-to-financially-cope-in-retirement?.html http://www.jamescagney.com.au/articles/How-are-Australians-and-New-Zealanders-going-to-financially-cope-in-retirement?.html Do you know that 90% of the population in Australia and New Zealand will need support to survive in their retirement? Now days the average lifespan for men is 79 and women live to 82 years of age. Research shows that the average person has only $92,000 in their Australian Superannuation at retirement. If New Zealanders' believe they are going to have a government pension in ten years time they are mistaken (unless of course you... http://www.jamescagney.com.au/articles/Letter-to-members-of-Parliament-regarding-the-current-immigration-policies.html http://www.jamescagney.com.au/articles/Letter-to-members-of-Parliament-regarding-the-current-immigration-policies.html LETTER TO MINISTERS OF PARLIAMENT TO STOP THE CURRENT IMMIGRATION POLICIES OF THE LABOUR GOVERNMENT  I do not believe that refugees arriving by boats are the key migration issue facing Australia, nor should population policy be simply equated to migration policy. In particular I ask you to consider the following: • No legislation giving Ministerial powers to "Cap and Cease"... http://www.jamescagney.com.au/articles/Immigration-policy-a-political-football.html http://www.jamescagney.com.au/articles/Immigration-policy-a-political-football.html The Immigration policy a political football. Julia Gillard and the Labour government want to cut immigration numbers so guess what the Coalition has now also decided to do - cut immigration numbers of course! It is not about good economic policy it's about winning votes. At least Tony Abbott qualified his statement by differentiating between the humanitarian policy and the skilled and business migrants. Although we are... http://www.jamescagney.com.au/articles/Australia-the-laughing-stock-of-the-world!-.html http://www.jamescagney.com.au/articles/Australia-the-laughing-stock-of-the-world!-.html Can you believe the Australian electorate? A recent poll shows that women in Australia will vote labour because the leader (Julia Gillard) is a women. So the ruling party in Australia is elected not on it's financial policies; it's immigration policies; it's climate change policies; it's foreign policies; it's human rights policies - we vote for a government on gender alone? What a joke! It shows what the caliber of voter we have in our... http://www.jamescagney.com.au/articles/Politicians-giving-away-the-farm.html http://www.jamescagney.com.au/articles/Politicians-giving-away-the-farm.html Tony Abbot in an interview on Skye News complained that the Labour government is spending $100 000 a day and they are bankrupting the country.  It's amazing every time he opens his mouth he gives away more benefits to the electorate so he can copycat the Labour policies.  I think Australians should campaign to have a Federal election every year and that way we will just get more and more from the Government. What a... http://www.jamescagney.com.au/articles/Australian-Migration-Policy-is-a-fiasco!.html http://www.jamescagney.com.au/articles/Australian-Migration-Policy-is-a-fiasco!.html The current Labor Government seems to have 'lost the plot' with its current policies on General Skilled Migration and Business Migration. This government, in particular, the Minister, Chris Evans, seems to be intent on destroying the good policy practiced by previous governments. The population of this country was founded by immigrants. With a vast country like ours with so much wealth why do we now 'close our doors' on immigrants who will... http://www.jamescagney.com.au/articles/Too-many-migrants-fail-in-business.html http://www.jamescagney.com.au/articles/Too-many-migrants-fail-in-business.html James Cagney is a migrant from South Africa. He has lived in Australia for twelve years. He is a successful business man and currently is a registered Migration Agent, licensed Real Estate Agent and Business and Marketing Consultant. James has helped thousands of migrants to successfully settle in Australia and New Zealand. However over the years he has met many  migrants that have failed in... http://www.jamescagney.com.au/articles/What-does-Julia-Gillard-know-about-sustainability?-.html http://www.jamescagney.com.au/articles/What-does-Julia-Gillard-know-about-sustainability?-.html What does Julia Gillard know about "sustainability" with regard to "population growth"?  She told the media "Australia should not hurtle down the track towards a big population". Who does she think is going to look after the millions of Australians in their retirement? Australians are living longer with the male life expectancy having risen from 55,2... http://www.jamescagney.com.au/articles/The-Queensland-Govt-wants-to-give-you-$10-000..html http://www.jamescagney.com.au/articles/The-Queensland-Govt-wants-to-give-you-$10-000..html The Queensland State government wants to give you a gift of $10 000 - so take advantage of this, whilst you can! Of course the first thing that entered your mind was - "WHAT'S THE CATCH?" - and I don't blame you. Broken promises from the Australian Government are the order of the day. So...."Moving forward ....", the Queensland Labour politicians simply have to stimulate the building... http://www.jamescagney.com.au/articles/Property-industry-calls-for-works-boost.html http://www.jamescagney.com.au/articles/Property-industry-calls-for-works-boost.html Property industry calls for works boost Queensland\'s property industry says the state needs to spend at least $16 billion on infrastructure in 2010/11 to keep pace with growth. The Property Council said in its submission to the state budget, due to be handed down on June 8, the Bligh government needed to spend at least 7 per cent of gross state product on infrastructure. "The Property Council is calling on the government to...