tag:blogger.com,1999:blog-91534818937009209832011-04-21T20:46:04.272-07:00Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.comBlogger171100tag:blogger.com,1999:blog-9153481893700920983.post-63464865730611578952009-01-05T18:33:00.000-08:002009-01-05T18:45:26.487-08:00

As interest rates have dropped considerably whilst need for accomodation has stayed high keeping rents up investing in property by borrowing money has become a lot more affordable.In discussions with a real estate agent that specialises in units and apartments they had a recent case where the landlord's shortfall was as little as $16.00 per week!We always stick by the golden rule of investing -

Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.com0tag:blogger.com,1999:blog-9153481893700920983.post-57463884839049138732008-10-29T18:39:00.000-07:002008-10-29T18:55:41.972-07:00

I have started to see a number of "for lease" signs go up on commercial property around Brisbane. A few possible reasons for this:Leases may have come up for renewal and the landlord decided to increase the rent, making the tenant decide to find lodgings elsewhere.The businesses leasing these premises have gone broke due to undertrading with the slowing economy. The owner didn't have enough put

Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.com0tag:blogger.com,1999:blog-9153481893700920983.post-77385463376926387932008-10-12T17:04:00.000-07:002008-10-12T17:49:55.534-07:00

Time flies, last post was 7th August, it seems like yesterday.Currently the global financial system is experiencing situations on scale not yet seen all at once.The fact is that the banks began to "overtrade" trying to grow their sales without due caution for the quality of the sale. Giving out "low" and "no doc" loans just to sell some more money without charging a risk premium to the borrower

Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.com0tag:blogger.com,1999:blog-9153481893700920983.post-1657038240566445212008-08-07T16:57:00.000-07:002008-08-07T17:08:00.710-07:00

Living in a capitalist society is an interesting experience. Within your network of family, friends and acquaintences you come across so many different perceptions of reality. Each persons little world is their own reality.How do we determine our reality- it is based on our experiences from the day we are born with some input from our inate senses along the way.Why does capitalism exist? I

Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.com0tag:blogger.com,1999:blog-9153481893700920983.post-83152325904114580832008-06-25T22:48:00.000-07:002008-06-25T23:10:57.802-07:00

It's not just about the money.Leading a fulfilling life is about much more than making money. Money is a means to an end. The challenge for many is deciding what the "ends" are. I often get goals like "be financially secure", "be financially independant" etc.Goal setting is about determining measurable targets that meet the overall objective. Therefore, what does financially secure mean to you -

Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.com0tag:blogger.com,1999:blog-9153481893700920983.post-29843411046625473592008-06-25T22:34:00.000-07:002008-06-25T22:43:55.668-07:00

In speaking to a number of financial planning clients lately I have found that one of their biggests issues on entering into an advice relationship is laying out their financial and related situation for us to assess and make recommendations on.What we find is that most people seek advice when they are in some sort of bind, rarely just because they want to do better and achieve more. Therefore,

Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.com0tag:blogger.com,1999:blog-9153481893700920983.post-31084423346033899312008-06-17T21:28:00.001-07:002008-06-17T21:41:58.762-07:00

In talking to some colleagues and clients I have been told that one of the complaints people they know have is that financial planners only talk about insurance and shares. These products make about PART of the tool kit that provides for both wealth protection and wealth accumulation.Why do I provide risk management advice as part of my advice process? Because I have seen situations where a

Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.com0tag:blogger.com,1999:blog-9153481893700920983.post-30402948208920047432008-06-17T21:18:00.000-07:002008-06-17T21:27:22.372-07:00

Beware their are a new range of junk insurance policies being sold. Income Protection / Disability policies that only cover you for 1 year on claim, non renewable after 5 years in place (drop out generally when you need them most, are older and may hae some health issues affecting your ability to get a new policy) and have a very limited definition of disablement. The premiums are only slightly

Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.com0tag:blogger.com,1999:blog-9153481893700920983.post-1814864847966989812008-05-22T18:31:00.000-07:002008-05-22T18:39:52.810-07:00

Finally the Australian Securities and Investment Commission is looking into the possible cases relating to "market manipulation".Market manipulation is when somebody leaks information that causes investors to make significant buying or selling decisions. It also can be brought on by large investors making signficant sell orders or buy orders thereby affecting the up or down movement in a share

Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.com0tag:blogger.com,1999:blog-9153481893700920983.post-12796509565853222552008-04-28T21:25:00.000-07:002008-04-28T21:31:58.374-07:00

I often have people ask me about this insurance they have been offered by their bank - it is called accidental injury insurance or accidental death insurance. The premiums are often very low.The problem is that these insurances only cover you when you are injured or die due to an accident. The truth is that most successful insurance claims come about through a medical illness rather than an

Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.com0tag:blogger.com,1999:blog-9153481893700920983.post-62512363601209574432008-04-08T21:22:00.000-07:002008-04-08T21:43:30.027-07:00

To often we see good money wasted by people that do not understand the concept of investing out of gross income. There are two main ways this can be achieved:Salary Sacrifice contributions to superannuationAn interest only investment loan where your employer pays the interest for you as a salary sacrifice out of gross income (you get the tax deduction now rather than at the end of the year).The

Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.com0tag:blogger.com,1999:blog-9153481893700920983.post-70206804741179432732008-03-27T21:52:00.000-07:002008-03-27T22:18:03.988-07:00

The best time to invest is continually. Market timing is high risk and often detrimental to long term wealth creation. Often the biggest gains on the sharemarket are in one day. If you miss out by not being invested on that one day you can miss a lot of investment return.I use the term INVEST. Speculating is a different thing altogether. Day Traders punt on movements in the stockmarket related to

Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.com0tag:blogger.com,1999:blog-9153481893700920983.post-22496741794758949422008-03-27T21:29:00.000-07:002008-03-27T21:49:51.616-07:00

It always surprises me when I ask people if they have insured their most valuable asset. Most say, yes we have insured our home.The truth is for most people their most valuable asset is their ability to earn income. What is it worth? Take your annual gross income and multiply it by the number of years to normal retirement age. EG: A 35 year old on $60,000 per annum. $60,000 times 30 years

Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.com0tag:blogger.com,1999:blog-9153481893700920983.post-26778974919523455442008-03-18T20:11:00.000-07:002008-03-18T21:06:43.434-07:00

You do not have to have a lot of money to start investing, with a managed fund portfolio you can start with as little as $1,000 - how to get this - you can even take a cash advance on a credit card and pay it off later - tax deductible interest!Real life examples:A client invested $2,000 in July 2000 in a managed share fund 100% Australian Shares Fund.The client has reinvested all the

Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.com0tag:blogger.com,1999:blog-9153481893700920983.post-83672328420429463502008-03-18T19:43:00.000-07:002008-03-18T20:06:12.627-07:00

If there is one question in many baby boomers minds at the moment this is probably it.How much you need is determined by a few factors (not an exhaustive list):What lifestyle you wish to lead in retirement?What age do you intend to retire?What does that lifestyle cost?What accomodation will you have? Will this add an ongoing cost?How much tripping around do you want to do?What are your hobbies?

Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.com0tag:blogger.com,1999:blog-9153481893700920983.post-56464576713736043732008-03-18T18:38:00.000-07:002008-03-18T18:48:10.161-07:00

All to often individuals and businesses do not leave enough time to make informed decisions about managing potential tax liabilities and maximising wealth creation opportunities before the end of the financial year.Last minute rushes have the ability to lead to inappropriate or risky advice as proper review and research has not been done to ensure the best things have been done.If you are in

Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.com0tag:blogger.com,1999:blog-9153481893700920983.post-70788481025900163732008-03-18T18:22:00.000-07:002008-03-18T19:21:18.338-07:00

Investing in even the most basic property now will often require you to go into significant debt, usually bringing the family home into the equation as security on the loan.We are investigating the opportunity of pooling funds of investors to invest in residential homes and units - fully invested no debt. This would provide a positive income to investors (often with a significant portion tax

Damian Ebzeryhttp://www.blogger.com/profile/11701272113463482876noreply@blogger.com1