7 Steps to Emotional Freedom

7 Steps to Emotional Freedom

Emotional Freedom. How often as women do we try to do everything, be everything to everyone yet neglect ourselves in the process?

When life seems all too hard and you just need to feel strong again who do you talk to, where do you turn? I think I might have the answer in allowing us all to “live an extraordinary life” and Donna Ferguson has a gift in providing just that.

7 Steps to Emotional Freedom

Donna’s business Unique Vibrations started after an opportunity to re-brand a previous business working with women. Donna saw this as an opportunity to follow her bigger vision, dream, passion and again believe in her real purpose in life. Donna had been working with women to create more in their lives allowing them to move through the “glass ceiling”. She thrives on unlocking the keys in allowing women to no longer compare themselves to their male counterparts and removing their blocks that limit them from creating an extraordinary self. Donna does this through raising their vibrational energy allowing them to honour their higher self.

After a marriage filled with Domestic Violence and finding herself, a strong independent woman with plenty of character, slightly straying in life from “the normal”, Donna was physically, emotionally, mentally and spiritually destroyed. However, after finding out she was pregnant, she decided to try to make my marriage work. She had lost all friends and with only limited family left Donna felt that she had no-where to turn. When her daughter was around 5 months old she started to look for ways to re-build her life. Donna attended mind-set and inspirational events to help her understand why she was still not healing emotionally and spiritually. It was during this time between the ages of 45-55 that Donna found a light that suddenly started to expose what she was capable of. Running into many women who were either not happy in their jobs, looking at starting businesses without having the know how or purely struggling with their relationships both professionally and personally. It was a gift that Donna found she was often resolving with 5 key questions and then realised that this was her gift.

After completing a number of course certifications Donna registered as a Rapid Success Therapist for Vibrational Alignment. This gift allowed her to offer her rapid success techniques so women could easily and effortlessly replace their blocks with opportunities to open up their extraordinary life. Donna runs a coaching program for decoding your blocks, a coaching program for aligning all aspects of your life and helping women to re-focus on their true passion and purpose in life whether that is in their current work, or transitioning into starting up their purpose in life with clarity, focus and desire that they have not felt before. Donna is also a published author with her book 7 Steps to Emotional Freedom, Mind, Body and Soul.

Donna loves that Unique Vibrations is a northside business and she has found that there are a number of business groups that provide the opportunity to not only support their businesses, but also the opportunity to support their local community and not for profit organisations. Donna is a member of the NOW Business Network and an active member of The Hills Chamber of Commerce and through these it allows her the opportunities to sponsor, donate and attend functions that directly assist organisations that are not for profit or run totally dependent on donations. It also gives her the opportunity to meet other local businesses where she has been amazed at how many businesses really actively participate in giving back to the community.

Donna runs masterclasses for women in business and mums wanting to implode their desires to be more and a masterclass where anyone women can join to get a glimpse of what she offers to inspire them to create more for themselves. She also hosts and produces the Unique Vibrations Midday TV Show every Thursday.

Donna’s vision for the future is to build a global tribe of women, offer international experiences for women, provide an exclusive membership in our inner circle as a true leader and to lead others. Donna is also planning on certifying her training for women to take all around the world. Donna’s biggest vision for experiences is to offer a 4-day exclusive luxury experience at Versace where women can experience opulence, luxury and indulgence as a taste of the life that can be when you believe you are extraordinary and not settle for ordinary and it sounds wonderful.

I love that Donna thought my “drawing on your inner child if you had one wish in life (not monetary) what would it be” question was the easiest to answer as many struggle with finding their inner child. Donna said that she would love to build a refuge for women and children from domestic violence where she could add a retreat facility to run free experiences for them allowing them to heal and re-build their lives (in a micro second rather than years of mistakes) and without the blocks, without the pain, without the limitations and become extraordinary women with a purpose in life. And secondly to be able to provide give them back their life, their confidence, their permission to love themselves again, their self-worth and begin to value themselves in the true sense. Allowing the women to raise their vibration for complete alignment mentally, physically, emotionally and spiritually and unlock the key to them moving forward and living their extraordinary life.

Donna is proudly speaking today at Australia You Have a Voice - sharing stories by 12 inspirational women to change lives and impact lives.

Donna also holds a number of masterclasses including a masterclass for women in business on How to Maximise Profits by raising your Vibration and general masterclasses as well as a masterclass designed for Mums. You can find more information on which one suits your lifestyle on her Facebook page Unique Vibrations, https://www.facebook.com/uniquevibrations/ or link in with her on au.linkedin.com/in/donnaferguson1. Donna can also be contacted at https://www.facebook.com/donnauniqueness/, 0403 311 157 Unique Vibrations, PO Box 53, Alderley QLD 4051 www.uniquevibrations.com

Donna believes every woman can and should Live An Extraordinary Life.

Written by Robyn Baker, Busy Connecting


Downsizing – Soon you will be able to put the proceeds in your Super (Learn How)

downsizing super contributions

Downsizing contributions into superannuation

From 1 July 2018, the Australian Government will introduce the Contributing the proceeds of downsizing into superannuation (downsizing) measure. This measure is part of a package of reforms to reduce pressure on housing affordability in Australia.

This measure applies to the sale of your your home, which was your main residence, where the exchange of contracts for the sale occurs on or after 1 July 2018.

If you are 65 years old or over and meet the eligibility requirements, you may be able to choose to make a downsizer contribution into your superannuation of up to $300,000 from the proceeds of selling your home.

Your downsizer contribution will not count towards your contributions caps or be affected by the total superannuation balance test in the year you make it.

You can only make downsizing contributions for the sale of one home. You can't access it again for the sale of a second home.

Downsizer contributions are not tax deductible and will be taken into account for determining eligibility for the age pension.

If you sell your home, are eligible and choose to make a downsizer contribution, there is no requirement for you to purchase another home.

upside-to-downsizingEligibility for the downsizer measure

You will be eligible to make a downsizer contribution to super if you can answer yes to all of the following:

  • You are 65 years old or over at the time you make a downsizer contribution (there is no maximum age limit).
  • The amount you are contributing is from the proceeds of selling your home where the contract of sale was exchanged on or after 1 July 2018.
  • Your home was owned by you or your spouse for 10 years or more prior to the sale.
  • Your home is in Australia and is not a caravan, houseboat or other mobile home.
  • The proceeds (capital gain or loss) from the sale of the home are either exempt or partially exempt from capital gains tax (CGT) under the main residence exemption.
  • You have provided your super fund with the downsizer contribution form either before or at the time of making your downsizer contribution.
  • You make your downsizer contribution within 90 days of receiving the proceeds of sale, which is usually the date of settlement.
  • You have not previously made a downsizer contribution to your super from the sale of another home.

Downsizer contribution amounts

If eligible, you can make a downsizer contribution up to a maximum of $300,000. The contribution amount can't be greater than the total proceeds of the sale of your home.

Example 1

A couple sell their home for $800,000:

  • Each spouse can make a contribution of up to $300,000.



Example 2

A couple sell their home for $400,000:

  • The maximum contribution both can make cannot exceed $400,000 in total.
  • This means they can choose to contribute half ($200,000) each, or split it – for example, $300,000 for one and $100,000 for the other.


Main residence exemption

The proceeds from the sale of the home are either:

  • exempt or partially exempt from capital gains tax (CGT) under the main residence exemption
  • would be entitled to such an exemption if your home was a CGT rather than a pre-CGT asset (that is, you acquired it before 20 September 1985).

Timing of your contribution

You must make your downsizer contribution within 90 days of receiving the proceeds of sale. This is usually at the date of settlement.

Making multiple contributions

You may make multiple downsizer contributions from the proceeds of a single sale.

However, the total of all your contributions must not exceed $300,000 or the total proceeds of the sale less any other downsizer contributions that have been made by your spouse.

You need to make all contributions within 90 days of receiving the proceeds of sale, usually the date of settlement, unless you have been granted an extension.


How to make a downsizer contribution

Before you decide to make a downsizer contribution, you should:

  • check the eligibility requirements for making a downsizer contribution
  • contact your super fund/s to check that they accept downsizer contributions.

You may also wish to seek independent financial advice in relation to the age pension asset tests.


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Selling An Investment Property


Initially, you may think that selling a property with tenants will be too difficult, however there are several benefits. Some of the pros and cons include:


  • You will still be receiving rent throughout the selling process
  • Other investors may be attracted to a property that is already tenanted as they will receive rental income straight away.
  • Having a tenant living in the property can reassure investors that it is possible to rent this property out.


  • You will need to provide adequate notice to the tenant before having open inspections
  • Tenants may not present the property in its best possible light, which could devalue it.
  • Problems may start to arise between you and the tenant if the property takes a while to sell.

If you are considering selling a tenanted property, the process will be a little different and will require a lot of communication with the tenant. If you are able to keep the lines of communication open between you and the tenant, it may help avoid problems down the track. Listed below are a few points you will need to consider before putting the property up for sale.

When selling an investment property there are several factors to consider.

First and foremost, consider the tenants. This may be your property but it is their home. Tenants can make or break a sale. Unco-operative tenants will make your agent’s life hell! It is up to them to present the property for inspection to prospective buyers.


2. Lease: Have a look at the term of your lease. It is always best to put the property on the market at the end of the lease. This will often up your pool of buyers to include buyers who want vacant possession, as well as investors who may want the tenants to stay. Do not put a 12 month lease in place and then decide to sell. The lease will be an encumbrance on the sale.

3. Tax: Investment properties attract Capital Gains Tax. Make sure you speak to your accountant to educate yourself on your own personal tax implications. The last thing you want is a huge tax bill.

4. Presentation: If you have difficult tenants, consider selling after they leave. Then tidy up the property and go to market.

Best of luck! If you need hints on how to handle tenants just give us a quick call.

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How to Make Your Investment Property More Attractive to Quality Tenants

Make Your Property More Attractive to qualityTenant

With the demand for rental properties in the Stafford, Everton Park region continuing to increase, we are finding more people buying for investment purposes.  After all it is a wonderful part of Brisbane to live, and the rents that can be charged fully reflect this situation..

So if you are considering getting into property investing here are a few tips to help ensure that you can attract high quality tenants.  We know that finding reliable tenants is half the battle in property ownership. A reliable tenant will be able to pay you rent on time, will likely stay with you for a long time, and has a low likelihood of causing damage to your property. A good tenant, therefore, makes your rental property more profitable—all while causing less stress for you over the long term.

Tenant screening is the usual process landlords and property managers like the team at Madeleine Hicks Real Estate, use to recruit the best tenants for their units, and through it, filter out candidates with a questionable rental history, bad credit scores, or other red flags that make them liable to cause issues. But tenant screening only works for taking your existing applicants and finding the best candidates among them.

So, what can you do to make your property more attractive to high-quality applicants in the first place?

Pick a Good NeighbourhoodMake Your investment Property More Attractive to Reliable Tenant

This one may not be helpful if you already have a property, but if you’re just getting started or if you’re trying to add a new property to your holdings, it’s a good one to keep in mind. Invest in a property that’s in an area with low crime rates, good property values, good school systems, and access to amenities like restaurants and stores. If you can, get to know the neighbours and see if the average tenant would get along with them. These properties may cost you a bit more up front, but they’re likely to appreciate in value over time, and are far more likely to attract professional, reliable tenants.  The inner north west clearly ticks all these boxes.

Set the Right Rent 

Setting a rental price is rarely straightforward, but it’s an important variable to consider if you want to attract the right tenants for your property. One of the easiest ways to set rental prices is to see what other landlords in the area are charging and mimic them (adding or subtracting to compensate for the differences your property offers).

However, you can set your prices lower; this will increase the number of applications you get and could fill your property faster. The downside is that these tenants may have less income or less reliable income, and because you’ll be getting more applications, you may (not all low income tenants are bad)be dealing  with more low-quality tenants.

Instead, it may be wise to increase your rent prices, even slightly—it may take you longer to fill your vacancy, but you’ll attract better candidates. Psychologically, people place more value on more expensive things, so you might even end up with more satisfied tenants.

The experienced Property Managers at Madeleine Hicks Real Estate can help you setting the right price.  We can do this via thorough research and provision of a detailed report of the current market.

Offer Extra Perks

You may not be able to completely remodel, but you can offer some extra perks for your tenants that “sweeten the pot.” For example, you could install air conditioners and dishwashers to make it more convenient for your tenants to live here, or you could offer free internet to the property as an added luxury. Perks serve as good tiebreakers between competing properties, so they could make the difference in the types of tenants you receive applications from.  Other options could be included garden maintenance or water charges. If they have solar, pass the rebates onto the tenants etc.

Be Nice

This is a simple and obvious step, but an important one. As a landlord, you’ll be communicating with your new applicants, and their impressions of you could affect whether or not they want to move forward with the rental. If you seem brash or difficult to work with, tenants with an intention of a long-term stay may prefer to find someone friendlier or more communicative. You don’t need to be your tenants’ best friend, but you should be able to offer easy communication, flexible understanding, and a smile when meeting in person.  Or just use the professional team at Madeleine Hicks Property Management.

Work on the Kitchen and BathroomHow to Make Your investment Property More Attractive to Reliable Tenant

The kitchen and the bathroom are two of the most important rooms for your property, so if you can afford to make upgrades, make them here. The difference between an old and new bathtub, or between old and new countertops, can make a significant difference in the eyes of a stable, choosy tenant. Plus, you’ll be able to charge more for rent, and you’ll increase the value of your property at the same time. Kitchen and bathroom remodels can get expensive, but they’ll be able to provide you a positive ROI in the span of just a few years.  A great kitchen and bathroom will still not be enough if the rest of the house is poor quality, so ensure that the whole property and inclusions are in good, clean, safe working order.

Focus on the Curb Appeal

You’ll also want to improve the curb appeal as much as possible. “Curb appeal” updates don’t necessarily make the property more structurally sound or more comfortable, but will make a better first impression with your potential tenants, attracting a better crowd. You can improve the curb appeal of your property by investing in gardening and lawn care, fixing anything that appears to be broken or dirty on the outside, adding a fresh coat of paint, and making the inside of the house as tidy and presentable as possible.

Advertise Thoughtfully

If you know you want to appeal to a certain audience, target your marketing and advertising toward them. For example, if you’re seeking young families, you can emphasise the proximity of schools, or if you’re trying to attract professionals, you can mention how easy it is to get into the city on weekdays from your property. You’ll also want to take lots of images and videos of your property to include in your advertising—and get them professionally done, if you can. Attractive, accurate imagery will entice better and more interested tenants.

These strategies should cumulatively allow you to attract better tenant applications, giving you more high-quality tenants to choose from and easing the stress on your tenant screening process. However, it’s still important that you screen your tenants regularly if you want to ensure the profitability and consistency of your property.

If you need help finding and keeping the best tenants for your property, consider using property management services. Contact Madeleine Hick Property Management for more information on how we can help your property become more profitable.


Property Ownership Skills Start Early

Property Ownership Skills Start Early

With all of the talk recently about the increasing difficulty that First Home Owners face getting a foothold in the market a recent study by Cambridge University may have a solution.Property Ownership Skills Start Early

Many parents don’t talk about the value of saving money with their children until they are in their teens. A Cambridge university study shows that children are open to learning about the intricacies of financial management much earlier and can develop good habits as young as seven.  The Cambridge study uncovers how the different phases of a child’s understanding can be encouraged so that property ownership follows naturally on as an almost inevitable next stage.

According to the study, there are several stages on the path to learning about money and spending – and learning to count is one of the first. By the age of five or six most children grasp the idea that money represents something and can be exchanged for goods at a shop. By the age of seven they can understand that if the money they have isn’t enough for a purchase they want, they cannot buy it. But it isn’t until children can understand the passage of time past a month (about age eight) that they can learn the value of delaying an immediate want to get something greater later. This delayed gratification is the key component of saving and then of investing.

Most parents don’t think of explaining their choices as they fill a shopping bag, but letting children participate in purchases and understand why you buy what you do is a great start to making them realise that you don’t spend all your money on a whim and that some expenses have to be planned at least week to week and others over a larger time frame.

At the same time, providing pocket money and a piggy bank so they can touch and count money allows them to try out some of these principles for themselves – not buying a bag of lollies today is not only good for your teeth but it means you can save for  a toy from which the pleasure will be more long-lasting .Property Ownership Skills Start Early

It pays to set up a bank account for your child as early as you can, making it exciting to go and put money into the account where it will earn interest.

It also helps if parents don’t just buy children what they want whenever they want it. Get them to use pocket money or wait for birthday, Xmas or other special gift times. They learn that the world doesn’t grind to a halt if they go without and that the pleasure of many things is short-lived anyway. Understanding that some items need to be saved for is a key life skill and without it property ownership is likely to be out of reach.

When a child’s savings reach an appropriate level, they can choose an interest-bearing account with parental help and as they get older they are ready to learn about investing. When teenagers get a part-time job, show them how to budget, dividing their money into saving, (long term goals) and spending (short term goals) and perhaps even allowing a little for charity.

Let us know what you think, do kids these days know how to be effective savers?

Should you include your Family home in your retirement plans?

Should you include your Family home in your retirement plans

AUSTRALIANS believe in the phrase “safe as houses” so much that they will spend most of their working lives buying and upgrading the family home.

With most of our resources channelled into this endeavour, some can proudly wave the ownership banner upon retirement as the greatest retirement asset acquired.

According to a Productivity Commission research paper, households with people aged 55 years and over hold almost 59 per cent of the total home equity in Australia.

However, when it comes to using the wealth accumulated through the family home, it is often the last asset considered.

An analysis of Centrelink records between 1999 and 2007 found that pensioners who passed away left behind residual wealth equal to about 90 per cent of the amount recorded when they first retired. Most of this wealth was in the family home and left unused as a source of retirement funding.

Most of this wealth that is created in houses is simply capital growth that has occurred over time.  Because we see our houses rise in value, it has been found that older Australians view their family home as a precautionary saving measure or a potential bequest.

So should you consider selling the family home and downsize as part of your retirement planning?

The longer the sale of the family home is put off, the higher are the costs of renovations that are needed to get the property ready for sale.

Finding suitable accommodation close to necessary amenities, such as hospitals, becomes increasingly difficult as property prices in these areas generally increase more than other areas.

This makes the idea of extracting equity from the family home difficult.

Apart from the financial impact of delaying selling the family home, there are also physical and emotional issues.

Australians prefer to age in their existing family home but, as they do, mobility becomes a bigger issue.

A reduction in the age pension payment can also be a reason for the reluctance to downsize.

Under the current assets test, you will lose $1.50 for every $1000 above the threshold.

In terms of return, this is about 3.9 per cent a year.

However, the equity that is released, when invested properly, may be able to yield a higher long-term average and, more importantly, would also provide a buffer for emergencies — something that the retention of the family home cannot easily provide. One possible solution is to consider downsizing before retirement. It is a sensible idea to plan how we are going to approach retirement.

Should you include your family home in your retirement plan

For example, when there is still an income, renovating the property prior to a sale may well be easier. The funds that had been freed from this exercise could either allow us the option of working longer, or investing to produce in the long term higher retirement savings.

An Association of Superannuation Funds of Australia survey found that for the June quarter the average annual expenses for a modest and comfortable lifestyle were $34,216 for singles and $59,160 for couples.

As a guide, assuming 20 years in retirement, investing in a conservative investment option and including the government age pension, you need about $430,000 for a modest retirement and slightly under $950,000 for a comfortable one.

Houses are safe. We invest in them to help us retire. But it could be a pointless exercise if we continue to hold on to them in retirement.

As the population ages, perhaps there should be more done in terms of providing suitable housing for retirees.

Until then, we may have to consider changing our perception and be willing to put our investment to good use.  What do you think?  What is your strategy leading into retirement?

We would like to acknowledge Elson Goh is a senior lecturer at the School of Economics and Finance at Curtin University, for some of this research.

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Confidence returns for property investors

Confidence returns for property investors

 A new survey confirms high-income property investors have returned to the Australian property market with the intention to buy, a considerable shift from the same time last year. There has been a nine per cent increase in demand by investors looking to buy a property at the upper end of the market, according to the realestate.com.au’s Consumer Insights Report (Buy).

Twenty-five per cent of investors were searching for properties to buy in the $500,000 or more price range, up from 16 per cent in April 2009.

General manager of sales and operations for realestate.com.au Peter Wright says the research findings paint a promising picture of the property market.

“The report revealed one in two property seekers now believe the market is rising – a result not observed for two years,” he says. “Of those who believe the market is rising, the perceived reasons for growth include a seven per cent increase in investors returning to the market (35 per cent), a shortage of properties (54 per cent) and a growing economy (40 per cent).

Confidence returns for property investors

“Investors were also one of the top three homebuyer groups (39 per cent) that have sought pre-approval for finance with the intention to buy or build. First homebuyers and investors were also more likely to say they had thoroughly researched the market – up by 16 per cent and eight per cent from the last wave respectively,” Wright says.

The report also showed that investors were more likely to be male, aged 50 to 64 and living in high income households, while female investors were more likely to be younger, aged 25 to 34 years (30 per cent), compared to males (21 per cent). Both male and female investors were more inclined to come from double income households (54 and 50 per cent respectively).

The report is an in-depth survey that delves into the psyche of the Australian property buyer, covering topics such as buy, rent and share. The survey ran from May 31 to June 3 with 4082 Australians taking part.

Source: Australian Property Investor

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Home prices chipping away at fairness: Ratings executive

S&P credit ratings expert confirms the strength of the housing sector but questions the benefit of high home prices for society

A managing director of a credit ratings agency responsible for scoring the quality of Australia's mortgage debt has questioned the social impact of the nation's soaring house prices, even while she confirms the strength of the sector.

Standard & Poor's managing director of rating services Fabienne Michaux said the strength of Australia's mortgage quality is a success on the capital markets but the high valuation of homes underlying the debt presents a long-term risk to the basic fairness in society.

"The social implication of house prices in the longer term is a key issue," she said. "One of the things people were proud of was that (Australia) was fairly egalitarian and even and everybody had basic rights to housing and basic education and good healthcare."
"Those are the sorts of things that start to chip away when you've got people who can't afford to actually to find somewhere to put a roof over their head."



The median national city median home price was $468,000 in May, according to RP Data-Rismark, following years of nearly uninterrupted increases in value, driven by a shortage of available new land, a cumbersome building approvals process and tax incentives that reward owners to purchase and hold second homes.

There is an estimated 200,000 home shortage in the nation, expected to worsen as a recovery in building stalls. Ratings agencies such as Standard & Poor's grade the quality of the mortgage debt that is repackaged and on-sold by local lenders to institutional investors.

While confirming the strength of assets underlying Australia's residential mortgage backed securities market, which has issued $352 billion since 2000, Ms Michaux noted home owners are unwise to take too much satisfaction in becoming property millionaires.

"Ultimately the utility of the house is still that you're living in it," she said. "When you pass it on, it's still one house. If you've got two kids you've got half a house each."

Story by Chris Zappone Fairfax Digital

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Rates are rising, some effects of the GFC still linger, and every day the newspapers have a different take on what Brisbane’s property market is doing. But let’s look at some of the hard facts.

  • Building Approval levels have dropped to low levels not seen since the 1980’s
  • Release rate of new stock and lack of competition is affecting prices
  • Still not enough homes being built in Queensland
  • South East Queensland saw a population increase of 75,000 in 2008-09 with a need for 30,000 homes, yet only 17,000 were built
  • Interstate migration has dropped only slightly in Queensland (Victoria now leading the way), but there is still a high number of people coming from overseas

Given these fact, I still believe the market is strong for sellers. The average days on market for houses in this area is 21 days, which also speaks volumes.


The other day I had a lady yelling at me because I still had not found her perfect home. I told her to sell her a home I had to literally wait until the owner was ready to move. I could just got to the wholesaler and buy her one off the shelf. Sellers are holding on – nothing I do can force people to sell – no use yelling at the agent because we have no stock on our shelf.




The market in Brisbane is said to be booming. Buyers are paying well over asking prices. Sellers are chasing - and getting - top dollar.

For property owners a boom market is great news. Personal wealth increases with each passing week and the thought of an early retirement becomes a real possibility.

But how long can the market sustain the pace of the recovery currently being seen?

Australia's economy is relatively strong. Not so others. There are plenty of questions hanging over the debt burden in the US. Equally there are a number of other economies that are taking a long, long time to emerge from the GFC. If the US stock market were to take a large correction Australia would almost certainly follow suit and that would wipe out capital gains that might otherwise have been used to fund property investments.

Then there's the issue of interest rates. The Reserve Bank is fully aware of the dangers of a housing price bubble; and they're likely to do everything at their disposal to avoid one. That means putting up interest rates – as we’ve recently seen - possibly in aggressive manner. Investors - or more particularly speculators - could well see extended periods of flat market performance as a result. It's a scenario that could put significant cash-flow pressure on highly geared property portfolios.


Of course there are other factors that suggest a market correction isn't on the cards. Chinese demand for resources produces significant demand for skilled trades in the resources sector. This puts downward pressure on Australia's unemployment rate and brings confidence to the broader economy.

We shouldn't forget burgeoning Australian population. Immigrants need to live somewhere and this places further upward pressure on rents making property investment more attractive.

The takeaway is to look to the future with confidence but with both eyes wide open. While there'll be some fortunes made it makes sense to scan the horizon for potential risks. Property has traditionally been a sound long-term investment. Those who approach investing in this way will be the winners. If you believe in slow and steady, start now. Property prices will always go up in the long term. Tomorrow may cost you an extra