An Ordinary Annuity Consists Of Stream Of Cash Flows Retirement Planning With Property

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Retirement Planning With Property

Retirement planning with assets is easy to do when done right.

Let me ask you…have you ever been on vacation and noticed that there are two types of vacations?

The first type is as I was years ago:

A person who sees where money is spent and counts vacation from the first day before going back to work.

Do you do it too?

I did and it used to drive me crazy, just as I was enjoying my vacation when it was time to go back to work.

Now another type of person who goes on vacation without keeping track of what we spend or how long the vacation is going to last, is the flexibility to change.

Impulsive planning (for example, deciding to go to another vacation resort on the spur of the moment).

Why can’t we all be like that?

If we work all our lives, wouldn’t we agree that we deserve to live that lifestyle? We deserve to enjoy our golden years doing the things we want to do and be financially secure to live life to the fullest.

We can, but you need to set it up.

Please remember

Property investment is not a get rich scheme

This means that you need to set it all up now, not tomorrow, as we tend to put things off and purposely kick ourselves for not taking action a year or 2 later, when we were thinking.

I remember when I started as an apprentice motor mechanic in the early 80s, there were a few older guys who were retiring and everyone was saying how lucky they were to be retired.

Do you remember the big story from the early days?

Everyone got a “gold watch”.

But you know what? No one has thought about what is actually happening to these retired workers, the cash flow is going to decrease as they go on pension.

Most people work throughout their lives, sometimes starting as early as age 15 and working until age 65 (50 years of working life).

Generally, the house is paid off when people reach retirement age, have raised and educated children, and done everything to support the family.

But the strange thing is, though, if we look at the statistics from the Australian Bureau of Statistics:

86.6% of Australians who retire at age 65 live on just under $16,000 per year!

That’s only $320 a week to run the house, pay all the bills, buy presents for the grandkids, buy clothes. I know it’s nowhere near a decent lifestyle – my mother (age 72) experiences it every day.

So how do we work a lifetime and still make ends meet on so little money?

Easy, because we are only taught how to get a job, pay our taxes, buy a house, raise a family.

No one ever said- “Hang on, you better start working smart and do some retirement planning and start leveraging yourself for the future!”

So how do we change all this?

How can we work smarter to retire financially secure and free with ongoing income, or alternatively become financially independent at an early age?

What I’m about to show you has been used by the wealthy and others in the wealth sector for years. This is really nothing new

Did you know that investors use their investment properties to pay for their children’s schooling using this method I’m about to share with you?

Like my daughter Gyorgem, I have paid for her private schooling from investment properties.

First- I’ll lay it out how it is: If you have a home loan with a line of credit (LOC), can’t you use the credit directly from the LOC to buy a car, vacation, etc.?

But, it’s your home and you’d rather pay it off as soon as possible than run up a loan, right?

Well, what if you have a property investment portfolio of nearly a million dollars? Let me tell you, in today’s values ​​it is not hard to do, a million dollar property investment is not really that much, once you make your first investment the second one is not far away.

So if your portfolio is hypothetically growing at 7% per year, that means your equity is worth roughly $70,000 per year, right?

I will also tell you that as you probably know, property does not go up at a straight angle but if you look at it over the years there is an average capital appreciation.

So why can’t we borrow it from the bank and use it for our lifestyle? And if we take a loan from the bank, it is not income, so do we pay tax on it?

No! Because it is tax free! This is debt, not income!

Are we working smarter now?

This is in theory, as we all know that assets do not increase

7% per annum. It can increase by 15% in one year and next two days

It may be flat from year to year, but on an average, long-term basis, assets have proven themselves time and time again.

Just remember, this method also depends on how much you owe the bank (rental repayments and expenses). But if you are holding the property for long term then this is very possible and easily achievable.

In my personal visits I look at this and show you how it’s all possible, even for someone with a low income, but remember you’ll need to use equity. If you don’t own a home, you can use someone else’s home for a few years until the investment grows into equity, and then you can release the security property.

My oldest client was 64 and self-employed when he bought his first investment property, so never say you’re too old or too late.

As I said earlier, we can never change time.

So many people waste time looking for excuses to push their financial assets aside or to put off another day that unfortunately will never come.

true facts-

Did you know we spend more time shopping?

List or plan a two-week vacation than we do for our entire future?

Isn’t that a shame?

Think about it and decide to start working on your future right now. Find out what you want and need so you’ll have something to tide you over until you retire, because retirement planning with assets will help you get there if you do it right.

Sign up and get your free 20 page report and weekly property tips.

http://www.npis.com.au/investment-property-signup.html

Wish you all success,

Dino F. Livanidis,

0418-872280,

www.npis.com.au

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