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Now is the time to Act!

Written on the 18 February 2018 by James Cagney

Now is the time to make some decisions about your personal wealth in 2018. Investing in real estate provides opportunities a plenty but there are pitfalls around every corner. It is time to get good advice about property and finance:

1) Watch out for dodgy property research and spruikers exaggerated claims.  Spruikers rule and it is a case of the loudest gongs making  the most noise and they are good at providing the media with B.S. Therefore take what the media says with a pinch of salt. To hear more about how the wool is pulled over the eyes of naive or hasty investors by these bandits read >>> NAIVE.

2) Look at the international economy and how it will affect Australia. The property market does not operate in isolation - it is dependent on the Australian economy, cycles and demographic models. Economists like Harry Dent are experts in international economics, cycles and demographic cycles. An understanding of Dent's BOOM-BUBBLE-BUST Cycle is imperative for investors in 2018. This is going to have a huge affect on your Super this year. It is time for you to take more interest and control of your Super or experience huge losses in 2018. Go to >>> B-B-B CYCLES to get an update of what is happening internationally and in Australia.  

3)  Learn from others. I am dumbfounded why so many investors continue to make so many mistakes. Here is a quote that is so different to how most people think: "I love people who have more money than me, who are more successful than me. They have given me experience I can learn from, they have made mistakes i can avoid and they give me the drive and determination to keep growing and learning. If they can do it, I have no excuse".

4) Look back at the property market in 2017.  Last year I concentrated mostly on Sydney, Melbourne, regional NSW & Victoria because these were the areas that proved to have more potential. in the links below is based on reputable research. I don't only take one research company's findings -  I cross reference with the other reputable company's. Just scroll down and click on the links of any area which is of interest to you.

To see why and how you can get into the property market in Sydney as a first home buyer or as an investor click >>> SYDOPP .

The Melbourne property market has been the star in 2017. For information on the hot spots in Melbourne go to >>> MLBPROPMKT.

For more information on these high growth suburbs throughout Australia click >>> HIGHGROWTH .

During  2017 the New South Wales & Victoria property markets were the hot markets that have been worth investing in.  I cover houses in a few of the hot property markets in major cities plus regional centres which I believe are worth investigating  right now. Go to >>> PROPMKT.

5) Look at your current mortgages and set up the best structure for 2018. The recent changes introduced by the Australian Prudential Regulation Authority (APRA) needs a paradigm change in the way we look at  investment loans. In many cases it is more advantages to move to "Principal & Interest" loans rather than "Interest Only" loans.   Most investors I speak to do not set up their loans so that their investments help them to pay off their personal home loans. To find out how you can do this go to >>> REDUCE-MORT.

If you are looking to purchase a  property OR check your current mortgage rate and structure OR simply to get sound advice  call James Cagney on +61 416 137 645 OR click >>> HERE.


This is not financial advice. You should not act solely on the basis of the material contained in this article for your investment strategies. Changes in government and legislation occur frequently and without prior notice and financial markets are unpredictable. Please note that the information herein is of a general nature only and is not intended as specific advice for any particular person or entity.

This information was written and compiled by James Cagney.  The opinions expressed herein do not necessarily represent the views and opinions of his associates including
Asset Finance Pty Ltd.


Thank you to the resources of Terry Ryder, Property Observer, The ABS, BIS Shrapnel, Michael Matusik, Property Monitors, Colliers, On the House, Corelogic, RP Data, Residex, SQM, Herron Todd White, NAB Residential Property Survey, Australian Bereau of Statistics, Peter Wargent, Port Phillip Publishing, Economy & Markets, Harry S. Dent and the many others for the material discussed above.

Author: James Cagney
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