Financepath's Podcast

If you’re about to sell, buy an investment property or refinance your existing mortgage, chances are you will need a property valuation. In this episode Mark Attard, FinancePath managing director, chats with one of Australia’s leading property valuers Jennifer Shellard of Opteon Property Group. They cover: • How property valuation works; • Why (and when) you need to have your property valued; • Tips and tricks to get the best possible property value price • What property valuers look at including land size and land value, natural light, renovation, the quality of the fit out, street appeal, landscaping and more; • The difference between a full property valuation versus a drive by or desktop valuation; • Misconceptions and mistakes in what information you should provide your valuer; and • What you need to know about valuation ranges. For more property investment advice, don’t miss this month’s blog: How to finance your first investment property.

Want to know the most common misconceptions about money and the art of happiness? Listen in as Mark Attard, FinancePath managing director, discovers Jacqui Whiteford’s special formula for finding happiness – with the money you have. The professional leadership and culture change coach says it’s all about focusing on: “your personal standards, beliefs and where they come from”. She also discusses how to know, own and live your life – plus, how to take action – so that you can ultimately love your life. Hear more from Jacqui Whiteford and Mark Attard in the podcast Understanding Your Money Mindset.

Jacqui Whiteford, a professional leadership and culture change coach, tells why it’s important to understand your money mindset, and how you can improve it. Speaking with Mark Attard, FinancePath managing director, the expert coach for business uncovers: • What money mindset really means, and how it is determined; • What mindset traits financially independent (or successful) people display; and • How your money mindset can impact on your social, emotional and physical wellbeing. P.S. Hear more from Mark and Jacqui in our podcast about How to Deal with Financial Stress, including the importance of Realising, Reframing and Recreating your financial position.

It’s no secret that financial stress is a common cause of anxiety and even depression in Australia. As part of Mental Health Week from October 9 to 15, 2016, FinancePath is focusing on how to avoid financial stress and – if you are currently under financial pressure – how to deal with it. Mark Attard, FinancePath managing director speaks with Jacqui Whiteford - Professional Leadership and Culture Change Coach and Mentor about: • Her personal experience with overcoming financial stress; • How to understanding your net worth – on the balance sheet AND your personal value; • The importance of Realising, Reframing and Recreating your financial position; And more. Take the first step to dealing with financial stress and download Values, Beliefs and You  P.S. Check out FinancePath’s comprehensive list of free digital resources for reducing debt, helping you make more informed financial decisions.

Amanda Thomson, sales consultant at Chisholm & Gamon Property in Black Rock, tells why now is the best time to sell a house. Speaking with Mark Attard, FinancePath managing director, the agent shares her tips and tricks for: • How to get the best result when competition and standards in your market are high; • Understanding supply and demand when choosing when to sell your home; • Common mistakes to avoid as a vendor and buyer; • How to choose the right estate agent for you, including what questions to ask before you sign up; and • Why buyers and sellers are more educated than ever before. Don’t miss our blog Is spring actually the best time to sell a house?

If you’re interested in selling this spring, there’s a few things you ought to know about staging your home for sale. Mark Attard, FinancePath managing director, speaks with Georgia K from Designs to Inspire about the do’s and don’ts of home staging – how best to present your house when selling. Because, if done right, the financial rewards of selling a well staged home can be significant. Listen in to find out: • What is home staging? • How to create the right emotional reaction with your target market; • How long home staging takes (and costs); and • What should be included in your design plan. Take a look at our Property Solutions for more ways to make smart financial moves when buying and selling. P.S Call 1300 883 762 to redeem the Designs to Inspire special offer

With an increase in self employment in recent years, there has been a jump in demand for specialist lending. So, FinancePath managing director Mark Attard speaks with specialist loans expert Chris Meaker from Pepper Money about: • What is specialist lending for self employed; • Who qualifies (and how); • Why specialist lending is more flexible than big bank loans; and • How to secure a competitive interest rate and fees if you’re self employed.

When it comes to a couple’s personal finances a lot can happen in just eight years. In this podcast, FinancePath managing director Mark Attard and general manager Chris Collard take a look at the different financial outcomes of two similar Melbourne-based couples. FinancePath started working with both 1. Tom and Bec and 2. Laura and Lou in 2008. Learn how (and why) one of the couples now has five properties in their investment portfolio and are on target to achieve their money goal of $2.5 million in net assets. What’s your partner’s relationship with money? Take our Couple’s Money Mindset Quiz to find out.

Sick of multiple logs ins? Is keeping track of your personal finance too time consuming? Find out about the finance apps and online money tools that actually work. Mark Attard speaks with My Prosperity CIO Steve Jackel about exactly how to use technology to help track (and grow) your wealth this financial year. PS. For greater control over your money management checkout FinancePath’s NEW digital platform Your Smart Money Tool. And, read our review of Australia’s 3 best finance apps and online tools. DOWNLOAD TRANSCRIPT HERE

Mark talks this week with Money Management Guru Jemma Enright the co-founder of MoneyBrilliant. Jemma talks about despite not coming from a wealthy background, she has become very financially savvy by creating the startup MoneyBrilliant.  Jemma explains how to solve money problems and how empowerment were the building blocks that engaged her in the fintech area. Jemma also discusses money being an emotional area of people's lives. Test your relationship with money by visiting our website and using our Money Personality Test.

Money for Nothing starts this podcast shows the boys age. Growing up in the 80's Mark and Chris remember their childhood. This episode they take on Waleed Aly and his position on Negative gearing coming up to the electon that was recently discussed on The Project.

Mark and Chris discuss an article from Tom Elliott written in April in the Herald Sun and around the affordable housing in the 90's and negative gearing. Housing affordability in the 90s  Houses as a percentage of salary Benchmarks to determine affordability Economic Environment in 90s Population growth and housing affordability Where people want to live and infrastructure Ask the boys a questions that they will address in the up and coming podcasts. 

Mark Attard and Chris Collard have been running FinancePath a Mortgage Manager business in Melbourne for the last 8 years. The boys have a agenda to take this podcast viral by making finances simple! As mortgage manager they want to assist you to make better money decisions. Their banter, humour and down to earth nature makes finance and money management entertaining and enjoyable. An overview of the up and coming podcasts: 1. The audience for this podcast are: Financially independent - proactively managing finances Don't have enough money - cover their needs but not wants Have enough until a life change - large number of these  Have enough but want a better life, need to be doing something more Which one do you fit into? 2. Mark and Chris plan to do this podcast weekly. 3. They will bring in experts to interview to answer your questions. 4. They answer some of the key questions around money, property and you. Do you have a question to ask Mark or Chris? Ask it here. Subscribe so you don't miss an episode!

Part 2 of an interview with Brad Straughair from Domain Property Advocates. Mark and Brad discuss: What makes a sound or out proforming investment property? Brad philosophy around making a property investment. Investers V Owner Occupier Best property you can afford for your budget What you can't pick up from the statistics Market trends - what is competitive and smashing auction limits. Brad answers listener questions.

Brad Straughair from Domain Property Advocates talks with Mark on the best time to buy property. Best time to buy a property Does weather have an impact? Is it different for holiday homes? How to use a property advocate and how does the whole process work. Differences between advocates: Fees Metholodogy How they find properties How do you gel with them. Are they are right for you.

Mark Attard from FinancePath interviews Keegan Harper an accountant from WHM Partners on how to get prepared for the end of the Financial Year. To make smarter proactive money decisions, Keegan gives us some great tax planning tips. Keegan discusses: * Tax planning for 30th June * Tax reductions like income insurance * Bring forward an expense to reduce your tax * Clients with rental properties makes June a good time to do repairs so you can get the tax reduction claimable backc the next month. * Self employed who have had a great year, bringing expenses forward to give them a better tax result. * Interest payed in advance.Different between a capital improvement and maintenance. * Negative gearing benefits. * Depreciation Reports - Quantity Surveyor and the benefits of this report .* Moving term deposit dates