positive magazine

To GeT STarTed Go To: www.positiverealestate.com.au/lmp

PROPERTY PORTFOLIOS

Recently we have raised over $216,000 and built 4 schools with Room To Read

smsF, taX , passive income , mortgage reduct ion, HigH perFormance investment propert y, Blue cHip real estate , development + l iFe t ime mentor ing program

TAX REDUCTION4 Quick Tips to Start Reducing Your Tax

SELF MANAGED SUPER FUNDS$3,375,000 retirement nest egg of 9 properties achieving $2,575 /wk rent

MORTGAGE REDUCTIONPaid their home off in 6 years

▲ POPULATION+1.6% growth JUN 2012 (22.7M)

▼ UNEMPLOYMENT Rate reduced to 5.3% in NOV 2012

(USA at 8.3% & EU at 10.4%)

▼ VACANCY National rate reduced to 1.8% in 2012 (suggests housing supply

levels may not be as bloated as some have suggested)

▼ INTEREST RATES RBA lowers the interest rates to

3% (avg loan repayment is reduced by $50/month)

$1.7 Million High Performance Capital Growth property portfolio that costs less than $130/year to own after tax

POSITIVE CASHFLOW$100,000 Passive Income

Capital Growth property portfolio worth $1.6 million returning $20,000/

year Positive Cashflow after tax

Hi Investors,

There’s nothing more satisfying than looking back over the past decade and realising that an idea started by Co-Founder Jason Whitton and myself in 2003, has now exploded into a leading multi-million dollar property investing company that helps thousands of every day Aussies understand and get fantastic results from property investing.

Today, Positive Real Estate is one of the longest standing property investing companies, with almost 10 years experience in delivering the most up-to-date property investing advice and profitable investment opportunities to over 30,000 Australians. In 2011 we launched in New Zealand as well!

Our team and clients are called upon month-in and out by reputable industry media publications to provide unbiased advice, cutting edge commentary and educational content and we are widely recognised for unveiling crucial hotspot locations before the crowds move in.

We pride ourselves in giving our clients direct access to some of the most experienced and specialised professionals in the property industry and also run hundreds of complimentary, practical workshops, designed to help interested investors safely build profitable portfolios.

Every investor I have ever come across has always started their investment journey with solid intentions of building wealth for their family, retiring on a passive income and having the security of a solid asset base. The sad fact is, however, only around 2% of investors ever reach financial freedom and attain the riches property investing should provide.

At Positive Real Estate, we know that education and surrounding yourself with a team of experienced investors is the key that unlocks the door to reaching this 2% club. That is exactly why we established our national Lifetime Mentoring Program.

Take a read through the pages of this booklet and you will find numerous stories of our clients, every day people like you and me, who have achieved extraordinary results through property.

You will also discover practical tips and strategies that will safely take your property portfolio to the next level while by-passing some of the most common investor mistakes.

If you are interested in positive cashflow properties, creating a passive income, tax tips, how to pay your home off fast and how to safely build a multi-million dollar portfolio, then keep reading. Happy investing and I look forward to seeing you at one of our future events.

Property Millionaire & CEO of Positive Real Estate

A Word From Sam Saggers,

Sam Saggers CEO Positive Real Estate

LESS STRESS. MORE RESULTS.

Over 12,900 likes

Over 3,100 followers

Over 330,000 video viewers

Over 10 years in operation

Brochure provided by Positive Real Estate, Corporate Licence 1217226

Please view our legals and licenses on www.positiverealestate.com.au

Brochure provided by Positive Real Estate, Corporate Licence 1217226 Please view our legals and licenses on www.positiverealestate.com.au*Conditions apply, please refer to the website for more information. These scenarios do not take into account your personal circumstances, for more information on these results see the website. All information is of a general nature only and does not constitute professional advice. Please seek advice from licensed professionals about your personal situation. This information is subject to the disclaimer on www.positiverealestate.com.au/disclaimer

Positive Real Estate is one of Australia’s longest standing and largest total solution property investmentcompanies. We are constantly sought-after by the nation’s leading media organisations to offer expert advice on the Australian property market as well as providing them with numerous client success stories.

In The Spotlight_____

Page 4

Goals and dreams

Write down your top 5 goals/dreams:

1 . ________________________________________2. ________________________________________3. ________________________________________4. ________________________________________5. ________________________________________

What is your motivation behind wanting to invest in property?

Would you like help to resolve any of the areas below? (Please tick)

TaxesOwner Occ . H ome L oa nCo ns umer Debt (Cred i t car ds )P o o r l y Str uct u re d L oa nsPers o na l S uper Co n tr i b u t i o n sUn use d eq u i t y i n y o u r h omeCurre nt i n v estments t hat are n o t mak i n g y o u m o ne y

nothinG left for Wealth Creation!!!

After all life expenses are paid, how much money do you have left over for investing and wealth creation?

Note: A lot of people feel they can’t invest but in actual fact, all they need to do is rectify their financial inefficiencies. Make sure you talk to a coach today.

$ __________

Where are you really at?

finanCial ineffiCienCies that are killinG us $1 at a time!

How much money do you need to achieve

those goals? (Put an approximate dollar

figure next to each)

AveRAge AUSTRALIAn POSITIOn AT

AgE 65

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australian ProPerty investors

How many investment properties do you currently own? _____

What is stopping you buying more?_____________________________________________________________

_____________________________________________________________

What staGe Would you like to Be in retirement?

Identify which category you are currently in and which category you are aiming to be in: _______________________________________

If they are not the same, what steps do you need to take to reach your desired level? _______________________________________

_______________________________________

Wealthy Financially secure

Must work to survive

Dependent on welfare(ABB 2006 Census Tables)

Approximately 15/100 don’t make it to 65 (UNCP Human Development Report 07/08)

set your strateGy

Do you have a step-by-step plan and strategy to achieve your finance and personal goals? _______________________________________________________________________

_______________________________________________________________________

How confident are you that your current strategy will get you out of the rat race in the timeframe you desire? __________________________________________________

Page 6

Save 15 Years of Mortgage Repayments and Own Your Home Debt Free!Why spend 30 years with bad debt hanging over your head when you can pay it off in less than half the time and save yourself thousands of dollars in the process?

Did you know that each and every day, your bank is probably bleeding you dry? If you keep paying your loan off the “traditional way” you could be stuck with a 20-30 year debt sentence!Unfortunately, the majority of Australians never learn how to effectively manage their finances and instead of eliminating their bad debt and building wealth, they live week to week and often spend more than they earn.

What if we told you that it is possible to pay off your home loan in half the time or even less? Would you be interested in finding out more? What if we also told you that you could potentially buy 2 or even 3 investment properties to build your wealth at the same time you’re paying off your home loan?

It is possible and we have seen hundreds of clients do this exact thing. Check our Duncan and Penni’s success story on the back cover.

To take control of your future and slash your bad debt, there are a number of tactics you could employ depending on your personal situation. Below are a few simple ideas to consider.

Set your loan up as interest only and set up an offset account. This gives you control of your money and also allows you to lower your interest repayments by putting any extra money you have against your home loan. The compounding effect over a period of time is massive - even Einstein was amazed at compounding interest, declaring it to be the “Eighth Wonder of The World”.

Have your salary and any extra money put directly into your offset account rather than your bank’s savings account. Since interest is calculated daily, you’re saving yourself interest just by having that money sit in your offset account.

Take advantage of the 55-day interest free period that many banks offer on credit cards. Direct all your income into your offset account and use your credit card to live and pay all the bills within the 55 days. Then at the end of that period, the money comes back out of your offset account to bring your credit card debt back to zero. By having the extra income sit in your offset for the 55 days, your interest repayments will be reduced, allowing you to pay your home off sooner.

Build a strategic positive cashflow portfolio structured specifically to eliminate bad debt quickly.

Book a complimentary consultation with your Head Coach now and find out how having the right property investments can build your wealth and pay your home off in record time. www.POSITIvEREALESTATE.COM.AU/LMPCredit Representative Number 388095 ABN: 22140317773

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Most have us haven’t realistically thought about this, but many Aussies give every cent they earn on Monday, to the

taxation department (No wonder we all hate Mondays). If you’re in a high-income bracket, then you’re potentially handing Tuesday’s and half of Wednesday’s pay straight to the ATO as well! For some of you that’s almost half of your wage handed over to the taxation department each and every week! The good news is, with a more strategic way of managing your finances and taxes, you could almost double your pocketed income… without having to ask your boss for a pay rise!

Positive Real Estate are specialists in helping clients use property as an investment vehicle to legally and dramatically reduce the tax they pay – with many of our investors using our expertise to pay ZERO tax!

4 Quick Tips to Start Reducing Your Tax:

Organise a a PAYG variation and claim your tax entitlements as soon as you get paid i.e. weekly,

fortnightly or monthly, instead of claiming at the end of the year. This immediately adds extra cashflow to your pay packet and increases your serviceability, allowing you to buy more properties and move forward easier. (Remember the ATO doesn’t pay you any interest!)

Put your reclaimed tax money straight back into your loans. This reduces your interest payments

each month and takes years off your loan.

Claim everything you are legally entitled to. Invest in a professional depreciation schedule

and find an accountant who specialises in investment property. Too many investors are missing out on thousands of dollars in tax refunds just because they don’t know what they can and can’t claim.

Invest in secure and profitable properties that match your personal situation. Take advantage

of the HUGE tax incentives available for property investors, whereby the money you would usually be forced to pay in tax can legally be used to service your property investments and help you build wealth for the future.

Zero taxes. Interested in finding out how it’s possible - or more specifically, how YOU can pay NO taxes? We’re talking about a smart money management plan designed to keep more of your money where it belongs - in your pocket!

Get Your taxes down Potentially to Zero

Find out more about how a depreciation schedule with a PAYG variation can reduce your tax and improve your cashflow and serviceability. Find out how you can start to take proactive

steps towards paying less or even NO tax! Find out how to invest your money directly into your property portfolio, instead of handing dead money over to the ATO each week!

It doesn’t take a lot to get started - just an interest in changing your future. Take the first step by booking in a complimentary one-on-one appointment

with an expert Head Coach in your area, where you will learn smart money management strategies, which can help you,

among other things, cut your taxes - maybe even all the way to zero!GO TO: www.positiverealestate.com.au/lmp

Tax information provided by Lee & Lee AccountantsPage 7

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The sad reality is that a $500,000 superannuation nest egg will not provide a comfortable retirement for most Australians. In fact, most of the nation’s super will hardly sustain them for two years! According to the Association of Super Fund Research, a couple will need around $55,000 per annum for a comfortable lifestyle during retirement. This means you will need approximately $500K if you are entitled to the full retirement pension and if you are self-funded, you will need around one million dollars in your super fund to generate this kind of money.

Sound scary? Absolutely! Especially if retirement is only a few years away.

Recently it was found that women aged 55 to 64 years were estimated to have an average superannuation balance of only $54,500, with average

male superannuation balances at just $113,200, (source: University of Canberra’s NATSEM unit).

Retirement can be scary without the right plan

The good news is it is very possible to retire in a position where you can have the savings you need to live, without depending upon a government pension or allowances. How? Property investing. Whether your retirement is two or ten years away, there are some excellent benefits associated with investing in property using your super, which is where we come in. Our specialist team in SMSF planning with property can help you fast track your retirement plan and start investing strategically in property using your super for a secure and wealthy retirement.

Case studyInvested in 2 Properties in her SMSF in 6 Months Positive Real Estate client, Susan Flux had dreamed about property for years but had been held back from purchasing by her own fear. At 53 she has finally taken the plunge and has subsequently bought two properties within just six months in her SMSF. Susan is powering on, buying three properties in 18 months and has no plans of stopping anytime soon. “I was brought up with a strong belief that you pay for everything outright – you have the money and pay for it straight away, rather than borrowing,” she says, explaining that this perspective made the idea of taking on multiple mortgages a difficult one to swallow.

Susan today is a changed woman and has reignited her passion in property and belief in herself. Her goal is ten properties within her SMSF for the tax advantage and retirement peace of mind. She explains, “It’s partly about being able to fund my lifestyle when I can no longer be in an office working for an employer.” And with so many opportunities Australia-wide, she doesn’t see any reason to stop buying just yet.

The thought of retirement is often associated with relaxed long days of reading, travelling, time with friends and family, giving back, and a secure and happy life. A reward for all of your hard years of work.

What are the key benefits of investing in property using your sMsF;

1. You can borrow up to 80% of the property value and have the remainder funded from your superannuation. 2. Pay zero capital gains tax and ZERO income tax on rent once in retirement.3. A clever way to reduce taxes: Pay down your property using your compulsory super contributions and any salary sacrificed funds will potentially only attract a 15% tax rate – instead of up to 46.5%.4. Save hundreds of thousands in interest costs and pay off the loan in half the usual time.5. Fund your next investment property without using any personal income.

Risks of buying property using your sMsF;

1. While a property investment within your SMSF offers many benefits, there are many other factors that you need to consider to determine whether such an investment is appropriate. There are costs associated with buying and holding an investment property, liquidity constraints, and other risks that all need to be identified and considered prior to making the big leap into direct property ownership. 2. The risks of buying property in SMSF are magnified when entering into any form of borrowing arrangement.3. While history has shown that property prices appreciate in value overtime, this is not always the case. Property prices do fall in value and real estate is considered as a high growth/ high risk asset class. For this reason, it is critical to employ a team of experts to ensure that direct property is suitable for your circumstances, and to help you identify the key risks associated.4. Like all investments, property profits take time. The returns achieved through property, like any successful investment, are gained through extensive research, hard work and patience.5. Please seek independent advice to determine whether investing in property is suitable for your circumstances.

Contact the expert Head Coach in your area by booking in a complimentary one-on-one appointment here www.positiverealestate.com.au/lmp

Disclaimer: The SMSF Club (A.B.N 72 162 328 501) is a Corporate Authorised Representative of RM Capital Pty Ltd (‘RM Capital’) ABN 74 065 412 820, AFS License No 221938. As a Corporate Authorised Representative of RM Capital Pty Ltd, the SMSF Club and its representatives are authorised to provide General Advice only. General advice is advice which is provided without regard to a clients individual objectives, financial situation or needs. It is not specific advice for any particular investor and it is not intended to be passed on or relied upon by any person. Before making any decision about the general advice provided, clients should consider the appropriateness of the general advice presented, having regard to their personal objectives, financial situation and needs.

CASE STUDY

Apositive cashflow property puts money into your pocket before tax. All costs (expenses and mortgage repayments etc.) are covered by the rent and there is still money left over.

The good news is that it is possible to turn a negative cashflow portfolio into positive cashflow. There are multiple ways to do this, such as ensuring you have the right loan product with a split facility, performing small cosmetic renovations to boost your rental return or even recycling equity could solve the problem. Without cashflow it is extremely hard to move forward and often means your portfolio will become stagnant. It also means you will personally be out of pocket for all of your portfolio’s shortfalls – say goodbye to steak dinners and hello to baked beans!

Positive cashflow property is more common than you think, however the reason you don’t often see them, is our clients typically snap them up before they are advertised in the public arena! We have clients earning over $100K in passive income from their property portfolio – want to know how?

You end up with a multi-million dollar portfolio. So can this really work? You bet it can! We show our clients all the time. When you have acquired your 10 properties, it then becomes time to consolidate – to decide which properties to sell and which to keep. If you own 10 properties you may decide to sell five with an aim to reduce your LVR and increase your cashflow to make your portfolio positive cashflow. The ultimate goal is to owe no mortgage debt with your properties now producing a passive income.E.g. 5 (unencumbered properties) x $500,000 = $2.5 million total value. Assuming a modest 5% rental return on each of these properties, your yearly passive income would be $125,000. we can show you exactly how to put this plan into place!

BOOK A COMPLIMEnTARY OnE-On-OnE APPOInTMEnT wITH An EXPERT HEAD COACH nOw TO FInD OUT MORE: www.POSITIvEREALESTATE.COM.AU/LMP

The benefits of having positive cashflow in your property investment strategy are clear:

Positive Cashflow, Passive Income of $100K and Retire Early

1. The property PAYS YOU to own it (everyone loves passive income) 2. Your serviceability increases and makes you more attractive to lending institutions

3. It can take up the slack of other negatively geared, capital growth properties in your portfolio (it balances your portfolio)4. Low financial stress

Looking for the BEST positive cashflow opportunities across Australia?

CASE STUDY Living the Dream; $104,000 Passive Income!

10 PRoPERtIEs In 10 YEaRs What happens when you buy one property a year for the next 10 years?

Emma and her husband have achieved amazing success in property, amassing a property portfolio of 8 properties worth $3.993m dollars generating a passive income of $104,000 (positive cashflow) after all expenses. These two hardworking, very focused and dedicated people are Positive Real Estate clients. Funnily enough when chatting with Emma she explained, “The biggest hurdle for me was getting started and having faith in myself. I kept telling myself I wasn’t educated enough but I’d been to all these seminars and was doing what I needed to in terms of due diligence and I had done nothing. However once I started I couldn’t stop!”

want to know more about how you too can create a passive income of over $100K or a multi-million dollar property portfolio like Emma and her hubby? Why not book in a complimentary one-on-one appointment with an expert Head Coach to learn the same things that this couple did to achieve their goals.

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5 Year Executive Lease Blue-chip in API HotspotPrice: $333,000Weekly Rent: $515Gross Rental Yield: 8% After Tax Cashflow: $4,943 p.a

10% Rental Yield in Sydney House and New Granny Flat GoldminePrice: $320,000Weekly Rent: $650Gross Rental Yield: 10% After Tax Cashflow: $5,978 p.a

$60K Instant Equity gain Massive Discount in YIP Top 100 HotspotPrice: $475,000Weekly Rent: $660Gross Rental Yield: 7.1% After Tax Cashflow: $3,838 p.a

Positively geared Dual Income House and Land; $Billion Mining HubPrice: $486,000Weekly Rent: $750Gross Rental Yield: 8% After Tax Cashflow: $5,580 p.a

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Both Peter and Karen alongside their expert Head Coach have created secure and profitable million dollar property portfolios that suited their personal situation and goals.

PETER’S HIGH CASHFLOW PORTFOLIO IN GROWTH AREAS WAGE = $100,000

Peter’s Head Coach has strategically helped him invest in secure, high yielding properties in good growth areas, and he achieves $20,348/year positive cashflow after tax.

$1,614,000 PORTFOlIO vAlue; $133,900 gROSS RenTAl ReTuRn

PETER’S 4 PROPERTY PORTfOLIO POTENTIAL AfTER 5 YEARS:BASeD On 6% gROWTH:

$2,177,044 portfolio value; $563,000 in new equity

BASeD On 8% gROWTH: $2,404,610 portfolio value;

$790,610 in new equity

BASeD On 10% gROWTH: $2,655,528 portfolio value; $1,041,528 in new equity

PETER’S PORTfOLIO AfTER YEAR 1

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KAREN’S SELF-SERVICING BLUE-CHIP PORTFOLIO WAGE = $100,000Karen’s Head Coach helped her create a blue-chip portfolio that costs ONLY $128 per year after tax to hold!

$1,780,500 PORTFOlIO vAlue; $110,760 gROSS RenTAl ReTuRn

Property That Pays You Positively Geared in Sydney’s Eastern Suburbs!Price: $450,000Weekly Rent: $500Gross Rental Yield: 5.7% (well above the 4.5% average) After Tax Cashflow: $1,715 p.a

YIP & API Magazine Hotspot HUGE Equity Gain with Duplex Dual IncomePrice: $570,500Weekly Rent: $680 ($340 each side)Gross Rental Yield: 6.1% After Tax Cashflow: $1,751 p.a

Mining Boom Town 4bdrm Discounted Land & Build PackagesPrice: $380,000Weekly Rent: $520Gross Rental Yield: 6.8% After Tax Cashflow: $371 p.a

Blue-Ribbon Brisbane Absolute Waterfront with Stunning ViewsPrice: $380,000Weekly Rent: $430Gross Rental Yield: 6.7% After Tax Cashflow: -$3965 p.a

THE PROPERTIES USED IN THESE ExAMPLES ARE all REal dEals THAT POSITIVE REAL ESTATE HAS

FOUND AND NEGOTIATED FOR CLIENTS.

KAREN’S 4 PROPERTY PORTfOLIO POTENTIAL AfTER 5 YEARS:BASeD On 6% gROWTH:

$2,401,627 portfolio value;$621,127 in new equity

BASeD On 8% gROWTH: $2,652,670 portfolio value;

$872,170 in new equity

BASeD On 10% gROWTH: $2,929,472 portfolio value; $1,148,972 in new equity

KAREN’S PORTfOLIO AfTER YEAR 1

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MENTORING

REMEMBER THIS:“During any one-year, three-year or five-year period, you can dramatically change your life. You can make the next decade enormously different to the previous one, but only if you choose to.” sam saggers - CEO of Positive Real Estate, Property Millionaire and Expert Property Commentator

Our lifetime Mentoring Program’s Expert Coaches will Mentor You and Offer Step-by-Step Guidance to Property Riches!

Ask any property millionaire how they achieved their goals and they will tell you they had a mentor. Someone to learn the ropes from, bounce investment decisions off and hold their hand through the often-complicated or unfamiliar process. Sooner or later, all investors will face roadblocks, be uncertain about an important decision, feel completely frustrated or throw in the towel before they reach their desired result. Worse still, some people never start their investing journey because they don’t even know what the first step is. In fact, only around 2% of investors will ever reach financial freedom and attain the riches property should provide.

EvERYOnE wHO IS A SUCCESS In LIFE HAS A MEnTOR!

As proud supporters of Room To Read we have raised over $216K and built 4 schools

That is exactly why the Lifetime Mentoring Program was designed to:

1 Equip you with the knowledge you need to find the best possible properties for your portfolio.

2 Help you develop a personalised investment plan/strategy to keep you on track to achieving your goals.

3 Offer expert support and guidance every step of the way so you never feel out of your depth.

4 Take the stress and time out of investing by having our team research, find and negotiate the best investment opportunities in Australia including HUGE

discounts, positive cashflow, strata, sub division, off-the-plan, house & land deals and add-value granny flat/ renovation strategies PLUS more.

we realise how easy it can be to lose sight of your goals, become pre-occupied with everyday life and just keep plodding along without realising you could be getting much bigger results. Find out everything you need to know about Australia’s leading Lifetime Mentoring Program and take your first step towards a positive and secure financial future.

Join us nOw and receive a ‘100% Success guarantee’ We guarantee that during the first two years of joining the program you will have created, generated or saved at least double the amount you invested to join the program. (*Conditions apply)

Find out more about our Lifetime Mentoring Program nOw by typing in www.positiverealestate.com.au/lmp

InveSTOR SuCCeSS STORIeS Read more on page 11

FaCT: The average client in Positive Real Estate’s Lifetime Mentoring Program buys 2-3 properties in their fIRST YEAR of joining! Start a proactive journey towards your future wealth now. Achieve financial freedom SAfELY and get BIGGER results fASTER with a experienced Mentor and expert support team to guide, motivate and train you on your property investment journey.

TO BOOK YOUR OnE-On-OnE APPOInTMEnT gO TO www.POSITIvEREALESTATE.COM.AU/LMP

MENTORING

1234

100%

SucceSS

guaranteeor your money

back*

limited time offer

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Smart investors always do their due diligence. You need to do the same thing when looking at investing in a Mentoring program as not all are alike, even though they may appear to be on the surface. Below is an outline of what we include in our Lifetime Mentoring Program, so that you can easily compare our services and see exactly why we are the Rolls-Royce of the Property Mentoring Industry.

MENTORING COMPARISON CHECKLIST

THe TOP 5 InCluSIOnS THAT PuT uS ABOve THe ReST1. Lifetime Membership. We are NOT just a 12 month program. With us you pay once and stay forever. We have clients that have been working with our coaches for almost ten years!

2. Your Partner Joins For Free. Investment decisions always affect and involve your partner so it is important they are able to be part of the process and feel confident with the choices being made.

3. Absolute 100% Support from Your Head Coach and Specialist Team. 24/7 support via SMS, phone, email and face-to-face. Support is always on hand for all urgent decisions so you avoid costly mistakes.

4. An Entire Team to Support You (not just a one-man-band). Receive support and guidance from an entire team of experts including your head coach, finance strategist, property consultant, brokers, accountants, financial planners, quantity surveyors, solicitors, property managers, renovation specialists and more!

5. Access to the Best Deals. First access to the Investor Agency’s exclusive pre-negotiated and researched investment opportunities right across Australia.

Dare to Compare

PeRSOnAl gOAl DevelOPMenT AnD TRACKIng

Goal setting guides, templates and training to make sure your goals are specific, measurable and achievable Personal consultations with your Head Coach to review and assess your goals and make sure you are on track to achieving them

CuSTOMISeD InveSTMenT PlAn CReATIOn AnD RevIeW

Full assessment of all existing investment properties and a review of historical results Full assessment of financial position today and looking into the future A set action plan to create a scenario to ensure you can purchase multiple properties in the first 12 months

PeRSOnAlISeD STRATegY DevelOPMenTAnD RevIeW

Build a specific, personalised finance strategy that will allow you to continue to purchase now and into the future Build a specific, personalised purchasing strategy to start building a portfolio that is flexible and will allow you to make multiple purchases in no less than two different states and property markets Scheduled monthly face-to-face meetings to continually refine, amend, and update your strategy to make sure it is achieving your personal and income objectives Receive monthly action plans to implement your learning in the live marketplace Accountability to your Head Coach to make sure you complete the tasks and deadlines in your monthly action plan and keep moving forward

24/7 lIFeTIMe SuPPORT 24/7 access to your Head Coach and specialist team with face-to-face consultations and daily support via phone, SMS, email and Skype Access to conference calls to talk through scenarios with family members, partners and external parties

COnTInuAl TRAInIng AnD eDuCATIOn

Monthly live workshops to develop and teach the fundamentals of property investing A large range of guest speakers who teach and share knowledge on specialised aspects of investing Advanced strategies taught and worked through in an interactive group environment Question and answer sessions and practical forums Live online training sessions where you learn to search and find real deals online Regular skill sessions to review and teach all the fundamentals of building your portfolio Guest speakers who coach in personal development and wealth psychology

Recommended reading lists and key website addresses to build your knowledge, skill and contacts at home

MenTORIng PROgRAM MATeRIAlS

Comprehensive Mentoring Program Start-Up Manual laid out in a step-by-step format Access to the exclusive online Mentoring website which is loaded with hundreds of documents, clauses, market updates and skill sessions to read over at your leisure Regular updates and reports from the Investor Agency on market movements, changing cycles, annual economic forecasts, and changing buying and selling conditions Comprehensive Due Diligence Kit to gather all research and data on proposed properties for review before purchase

PORTFOlIO MAnAgeMenT TOOlS

Property Finance Summary spreadsheet to record your full and changing financial snapshot Wealth Calculator Spreadsheet designed to give you future forecasts of the amount of equity you need to build so you can retire early

SPeCIAlISeD TeAM OF eXPeRTS

You have the choice to access the expertise of our legally certified Investor Agents (PCM), brokers, accountants, financial planners, quantity surveyors, solicitors, property managers and renovation experts who are all trained to understand your strategy and personal situation so they can give you customised advice that will achieve your desired goals. A complimentary appointment is provided by most experts for their initial meeting

ACCeSS TO eXCluSIve PRe-negOTIATeDPROPeRTY DeAlS

Access to nationwide pre-negotiated investment deals and all of the bulk buying discount opportunities that leverage our cooperative buying power Discounted Investor Agency fee if you choose to use this service (it is not a prerequisite) Access to a qualified Private Client Manager from the Investor Agency to train, present, review all deals with you in person and run over all the data Access to investment deals that match your investment strategy

CeRTIFIeD COACHeS AnD InveSTMenT guARAnTee

All Head Coaches are covered by the Australian Credit Licence (ACL) based on the changes instituted by ASIC in January 2011. This guarantees you sound advice and accountability and no dodgy dealings Money Back Guarantee. We guarantee that during the first two years of joining the program you will have created, generated or saved at least double the amount you invested to join the program. (based on you making a purchase and fulfilling base requirements stated in the terms and conditions)

TALK TO YOUR EXPERT HEAD COACH NOWor go to www.positiverealestate.com.au/lmp

Success Stories

Brad & Kelly PaasThis Savvy Young Couple Amassed a Portfolio worth $1.7 Million Spanning 5 properties!

The Lifetime Mentoring Program has given them the knowledge, confidence and access to exclusive deals to explode their portfolio into the millions within a few years.

Bridget ReesA Million Dollar Portfolio in Just 15 MonthsWithin just 15 months of joining the Lifetime Mentoring Program, Bridget owns 4 properties and has established a diversified million-dollar property portfolio throughout Australia. Confident and knowledgeable, she is now looking forward to building further wealth and financial freedom through property.

CONTACT AN EXPERT HEAD COACH IN YOUR AREA NOW TO FIND OUT HOW YOU CAN START MOVING FORWARD!

www.positiverealestate.com.au/lmp

Duncan BuchananPaid Their Home Loan Off in Just Over 6 Years and Built a Multi-million Dollar PortfolioHead Coach Duncan Buchanan puts into practice what he preaches, “You have to walk your talk!” he says. Duncan and his wife Penni are both in their 30’s and have paid their mortgage off in just over six years whilst raising two gorgeous children. They have also used sophisticated strategies in multiple entities to invest in many properties Australia-wide.

Terry Clarkenine Properties and a Retirement nest Egg of $3,375,000To build his nest egg, Terry took advantage of the pre-negotiated discount properties from Positive Real Estate’s Investor Agency. As a member of the Lifetime Mentoring Program, he also benefits from the wealth of information and one-on-one guidance, and alongside his coach has planned well, to retire on a passive income.

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