Before I got married I asked my wife this, Kid or Shoes, She wants Shoes,

Thank god for that….

Hi Tim 

well done to start with, my wife and I are the same age as you and by next year we will have our PPOR paid off as well.

My wife is semi retired, she lost her job 4 months ago and to be honest we are still living very comfortable, my wife is planning to only get part time work to pass the time, we also have a Bussiness that provides additional cash flow every month and I work  full time in the logistics industry. After 2 months of staying

home my wife is going crazy lol.

But on a serious note, we had a good talk and My wife said why don't you work part time as well? I said I got to this position by working hard an smart an I have no intentions of stopping, slowing down means. I'm getting old lol, every year cost of living goes up so I need to ensure that we keep growing to maintain a life style.

But on a positive note like you knowing I don't need to stress about the mortgage and that has changed my life,  I wake up every day happy and I  am even more hungrier to succeed.

This year not only will I be working in m feild, running a Bussiness  it I will also be running a logistcs course can wait!!! 

Continue to focus And as my uncle once said think a out tommorow and then you dot have to worry about today

You might get 3 k once the loan Is approved but how do you now if you loan is being set up in the best way possible?

A 3 k saving noway cost you thousands in the future 

Hi,

Being an ex real estate, I have seen a couple of agents act like this (lazy agents)

As the guys suggested "you should be ok"  but I have seen an agent take some one to court in a similar situation , but the agent lost the case…. Lol

I oonly moved out into my first home three years ago , where very comfortable we love where we live , it's a 60 year old home with allot of character, we have almost ppaint off so no rush in moving 

Hi the BIG O,

Firstly welcome and well done on your purchases.

With time being so short, I would recommend contacting the three brokers that JACM have mentioned they are all good, Sure face to face may make you feel comfortable but to be honest, you will get the right advice from these guys.

Sorry this might sound like a stupid question, Have you got a pre approval from another lender or anything like that?

Also with settlement occurring on February are you aware of the forecasted rental returns? Are they going to rent the property from day one or once they find a tenant?

Interesting question:

1) Complete my CEO institute course

2) Reduce my PPOR loan from 90K  to 60K

3) Use the equity to buy another IP in OZ

4) JULY will be going to Chile to buy another IP

5) Enjoy life, holiday and reduce the DEBT of my business

This is a very interesting topic 

Like anything in life there are people who are negative and  positive, When someone is trying to give me advice either bad or good, I still listen and for one reason.

Use their experiences to benefit you:

People use one or two bad experiences and an excuse not to try and its easier for them to blame the whole world but not themselves.

Growing up me and my cousin (don’t talk any more) used to lock in horns over views in life, He came from a very wealthy family and I came from the opposite.

He went to a private school to become a lawyer and I went to a public school to play soccer, Where both 28 and this is where we both stand now:

HIM: the world is a hard place, The economy is making it hard to get a job as a lawyer (has not even typed a resume yet), You can’t be successful because there is too much competition “etc”

ME:  Totally the opposite, achieved allot and have done quite well out of investing (done a couple of mistakes but lesson learnt)

If you ever need inspiration I recommend you look and network with people who are successful, There are plenty of people who are very successful on this site

Just to point out something really interesting, My uncle is 62 hates the world, Its to hard for him to do anything, all this negative stuff, Then I look at a soccer manager called SIR ALEX FERGUSON, 71 years old and is the manager of one of the most biggest soccer clubs in the world, travels allot, puts allot of time into the game and so on and so on

Interesting topic,

I learnt to save from a young age thanks to my grandpa, I remember in 1993 (I was 8 Years old) my grandpa in Malta took me to clean a house, I remember being upset because I wanted to spend my time swimming, we end up cleaning 11 houses and what i had learnt was all 11 houses was his.

He was a brick layer, not educated and came from a very poor background….

Savings to me personally is very important, But what is more important is what i do with the money,

10% savings from your wage are you kidding me???

My goal has always been to save 30 to 40% of my wage, As cost of living goes up I look at ways at making more money, To only save 10% is a scary thought, TO me thats saying I will only invest 10% of what i earnt over a life time….

People who use the excuse that  why save money or i have no motivation to save beacuse if i earn interest the government taxes me really pisses me, We must take controll over our own lives and we must get of our bumbs and learn to invest…