2012 – Happy New Year
Hello from Bruce,
I’m a little late with January’s Newsletter this month, so I joined January and February together.
January has already been busy, with lots of renovations for clients being completed. The holiday period was great spending it with family and friends. We took a short break to Bicheno over the New Year period. It’s so enjoyable watching Jessie, Ella and Mia opening presents on Christmas day, the surprise and laughter is priceless.
I little piece below that’s not related to building houses but is more related to building your own inner health and relationships. That is something we can all do with a little help on at certain times, enjoy….
Hobart Pathways of Light Free Introduction Workshops in February
My partner Clarissa is organising with Counselling Expert Ron Cruickshank, Personal Development Workshops in Hobart in February.
Here is a letter from Ron and you can access the Workshop Flyers and Book for the FREE Events at:
1 in 5 need us!
Hello Ron Cruickshank here,
The statistics are actually higher than that. We are seeing that 1 in 5 people will experience a diagnosable mental illness during their lives and the number requiring counselling or coaching support will be far greater.
That’s why I am writing to you, because you yourself may relate to what I am saying here or may even know of friends or family that are interested in more happiness in their lives. I want to support and help as many people around me as I can.
With better education these days, more and more people are becoming aware that they need to do some type of development to get the balance back into their very hectic stressed lives. You can probably relate to this.
That’s where we come in, we are qualified and specialise in helping you and others with counselling or coaching services by one on one, couples or workshop support. Right now we have FREE Introduction Seminars in Hobart for personal development workshops.
It’s also well known that the more successful happier person is generally more balanced in everyday life in the areas of: Financial, Relational, Spiritual and Physical. We are qualified counsellors and have been operating in Hobart for over 8 years. You can go to our website and see our qualifications and events at: www.pathwaysoflight.com.au
The FREE Introduction Workshops are on the 4th and 18th February, three different types running for 2 hours each. Sign up for the event that suits you or come to them all at: www.pathwaysoflight.com.au/events
Click on the attached Letter and Flyer for more information.
If you would like to receive free resources and newsletter from us, please go too: http://www.pathwaysoflight.com.au/user/register
Also, Business and Internet Coaching Entrepreneur Clarissa Leary and Bruce Sloan will be at the event to help support everyone, you will get great value from these two experts in personal development and as Clarissa Says: “Take Action, Live Deliberately, Love Life”. Book your Event, don’t let your doubts stop you.
I look forward to working with you.
Nationally Registered Counsellor
Member of the Australian Counselling Association – Level II
Member of Pathways of Light ® www.pathwaysoflight.org
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For the Property Investor
This is a great time of the year for investors, if you have made great progress with your property portfolio this year, then take a break, it’s well earned. This is a fantastic time to mix your holiday period with some investor activity. Why do you ask? Because, now is the best time for reflecting, planning and catching up on what you want to achieve for 2012.
Enjoy Seven Tips for being ready in 2012
Lack of competition: This time of the year is great for buying, if you are in that position because Agents, buyers, lawyers, accountants and mortgage brokers all head away on holiday and market activity slows up until early February. If you actively search for property deals and make offers early in the year, it’s a great time to negotiate. A lack of competition from other buyers means keen vendors, willing to negotiate with those still in the market.
What’s your position? Get your portfolio details up to date, find out what your financial position is right now, so you know exactly what your LVR’s (loan to value ratio’s) and DSR’s (debt service ratio’s) are. You can deal more effectively with mortgage brokers when know your numbers.
Review rental performance: Review your rents; are you inline with the market? Are there improvements you can make to your properties that will enable you to increase rents?
Review mortgages: Check your options: fixed versus variable, interest only versus principal and interest. Do a financial review; some fine-tuning can improve cash flow substantially. Check out a few lenders, don’t just place all your financial dealings with the same bank, there are some great savings out there to be made.
Practice makes profit: If you aren’t buying right now, that’s no excuse to stop searching. The better you get at searching the market, analysing numbers, calculating market values quickly and decisively, the better your financial results will become. Use some of your spare time to improve your confidence. Go property hunting for fun!
Build your knowledge: You don’t know, what you don’t know…so sometimes you just miss opportunities that other investors with sharper eyes see. Invest some time, going to training webinars, workshops, watching video tutorials. Learning is the best key to being a successful property investor. Your knowledge and your financial results will grow hand in hand.
Good luck with your property investing in 2012.
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