http://archive.aweber.com/affluenciaAustralia's Leading Women Investing in Property websiteWed, 21 Apr 2010 03:25:09 -0400http://archive.aweber.com/affluencia/1Innr/h/_Affluencia_Wendy_Moore_We.htm Having trouble viewing this newsletter? View online STOCK CLEARANCE: Bargain Real Estate CDs and DVDs Details here END OF LINE CLEARANCE - ALL STOCK MUST GO We made a boo boo... Who said you shouldn't work with children or animals? I think we need to add technology that that list on some days! Yesterday you received our newsletter telling you about our End of Line Clearance. Thanks to those of you that then emailed us to tell us that the shopping cart was empty! We'd been beavering away in the background fixing up our affiliate program and clearing the product shelves. Only, it seems that my assistant got carried away and deleted all the real estate products. Whoops! We've now fixed this, so if you'd like to grab a total bargain, we have restocked the shelves, so to speak. But we really don't have a lot of stock left. Just a couple of DVDs and CDs waiting to be shipped to good homes so find out more here. TOTAL STOCK CLEARANCE - Time to declutter - pick up a bargain Final Affluencia real estate product run out. Our last remaining CD and DVD packs have been drastically reduced. In fact, it's a down right bargain when you consider the amazing value and content you'll receive. Why are the prices so low? I'd rather these resources go to great homes and help you on your investing journey than be boxed up and put into storage - what a waste! If you'd like to know more, you'll find details here. The Second Thing... Jennie Brown informed me I'd given you all the wrong link for her Bootcamp. We were on a roll let me tell you! Here is the correct link to Book for a seat. Time for a lie down I think... Until next time, happy investing! Wendy Moore Showing you how to build a targeted customer list and get clientsy PS: Support World Vision Wendy Recommends Pick Up a Real Estate Bargain - DVD or CD You can still grab all Affluencia real estate products on bargain price. I'd rather these resources go to great homes and help you on your investing journey than be boxed up and put into storage - what a waste! Find out more here. Upcoming Events Unique Renovate and Profit Seminar Respected renovation expert Ana Stankovic will take investors through the whole step by step process, techniques and tools involved in successfully renovating for profit. Focusing largely on the analytics around costing and profitability analysis, the seminar will also feature guest speakers from supporting businesses and a panel of experts to answer all your questions. If you want to learn from active property investors who are currently walking the talk and see tools such as Renovation Costing Template and Property Analysis Tool in action, you have to attend this exceptional event on April 24 in Melbourne and May 29 in Brisbane! Make sure to book your seat here. Real Estate Investing Bootcamp Do you want to make stacks of money investing in property? Do you want the life of your dreams? Jennie has a terrific knowledge of property, and showed me how to make chunks of money quickly. After attending her boot camp I had the knowledge and confidence to buy a property that will allow me to subdivide, sell off the established house plus build two units. This will give me over $100,000.00 profit. Plus I'm having fun!! Thanks Jennie!! Robyn - Adelaide Property investor, speaker, mentor and author Jennie Brown shows you how to make stacks of money investing in property in today's market with little time and effort. This Bootcamp includes market changes, and tips for investing in all types of markets. Learn how to position yourself effectively for the future. Book for a seat here . Learn about NRAS NRAS is not the name of a new rap artist! It's the acronym for National Rental Affordability Scheme. This scheme is a government response to the projected 200,000 dwelling shortage predicted by the end of 2013 in Australia. NRAS was initiated to increase the supply of affordable rental housing; reduce rental costs for low to moderate income households; and encourage investment and delivery of affordable housing. You could receive an after-tax incentive of $8,500, indexed for 10 years, ensure your property investment is cash flow positive and minimise your income tax. All you need is equity in your home. To learn how you can grab this opportunity, contact Rick Harrison on this link info@IntegrityWealthBuilders.com.au. Need A Speaker Would You Like Wendy To Speak Live at Your Next Event or Be a Teleseminar or Webinar Guest? Her presentations and workshops are ideal for anyone looking to get savvy on the internet or discover the tools and techniques to successfully use Social Media and the internet in business. To book Wendy, send an email to contact@savvywebwomen.com. Quick Links Visit the Savvy Web Women Blog Register for our F.R.E.E. monthly teleseminar Discover my Web Secrets Become a Savvy Web Women Affiliate About Wendy Wendy Moore is founder of www.savvywebwomen.com and affluencia.com and committed to showing women everywhere how to be internet savvy. If you liked today's issue, you'll love Wendy's products and coaching programs to help you build confidence and add the necessary tools and techniques to better utilise the power of the internet. Wendy made it to the very top of the corporate IT world, managing multi-million dollar budgets, before gut-wrenching stress demanded she reappraise her life and follow her true passion. With over 14 years experience in the Information technology industry, Wendy now educates, empowers and inspires others and says, It's all about education and gaining from other's experiences. I'm passionate about helping women in small business better understand and utilise the amazing power of the internet. If you could make money without seeing a single client, how would getting your time back change your life? You can learn more about Wendy and her courses, programs and products at her website, www.savvywebwomen.com Manage your Subscription You may absolutely share this newsletter with people you think may enjoy it. When doing so, please forward it in its entirety, including our contact and copyright information. Thanks and enjoy! Affluencia Newsletter is written by Wendy Moore. If you have any questions or comments, please send them to: contact@affluencia.com Affluencia.com, GPO Box 2000, Melbourne Vic Australia 3001 Tel: 61 (3) 9686 2288 Fax: 61 (3) 9682 4010 Email: info@affluencia.com Copyright 2009 Affluencia Pty Ltd. All rights reserved. You are on our list because you visited one of our websites. To change your subscription, see link below. Disclaimer: This newsletter is not intended to be a substitute for investment or professional advice. It is a broad discussion to provide a general understanding. Before acting, you should seek specific professional advice for your unique situation. Join our Mailing List to receive a bonus eBook valued at $127 with our compliments Wed, 21 Apr 2010 03:25:09 -0400http://archive.aweber.com/affluencia/UNtr/h/_Affluencia_Wendy_Moore_Pick_up.htm Having trouble viewing this newsletter? View online STOCK CLEARANCE: Bargain Real Estate CDs and DVDs Details here END OF LINE CLEARANCE - ALL STOCK MUST GO 2010 So Far... 2010 has roared ahead. We are already almost into May. How are you going with your 2010 goals? TOTAL STOCK CLEARANCE - Time to declutter - pick up a bargain Final Affluencia real estate product run out. Our last remaining CD and DVD packs have been drastically reduced. In fact, it's a down right bargain when you consider the amazing value and content you'll receive. Why are the prices so low? I'd rather these resources go to great homes and help you on your investing journey than be boxed up and put into storage - what a waste! If you'd like to know more, you'll find details here. Renovation Update Our renovation project in South Melbourne has hit its fair share of road bumps. We'd finished inside only to have the Melbourne storms hit. The end is now in sight and we are putting the finishing touches on this little gem. The Melbourne real estate market can only be described as totally nuts right now. We can't wait to auction the property just to see what someone will pay for it. Our own little social experiement. Stay tuned! Until next time, happy investing! Wendy Moore "Showing you how to build a targeted customer list and get clientsy" PS: Support World Vision Wendy Recommends Pick Up a Real Estate Bargain - DVD or CD You can still grab all Affluencia real estate products on bargain price. I'd rather these resources go to great homes and help you on your investing journey than be boxed up and put into storage - what a waste! Find out more here. Upcoming Events Unique Renovate and Profit Seminar Respected renovation expert Ana Stankovic will take investors through the whole step by step process, techniques and tools involved in successfully renovating for profit. Focusing largely on the analytics around costing and profitability analysis, the seminar will also feature guest speakers from supporting businesses and a panel of experts to answer all your questions. If you want to learn from active property investors who are currently walking the talk and see tools such as Renovation Costing Template and Property Analysis Tool in action, you have to attend this exceptional event on April 24 in Melbourne and May 29 in Brisbane! Make sure to book your seat here. Real Estate Investing Bootcamp Do you want to make stacks of money investing in property? Do you want the life of your dreams? "Jennie has a terrific knowledge of property, and showed me how to make chunks of money quickly. After attending her boot camp I had the knowledge and confidence to buy a property that will allow me to subdivide, sell off the established house plus build two units. This will give me over $100,000.00 profit. Plus I'm having fun!! Thanks Jennie!!" Robyn - Adelaide Property investor, speaker, mentor and author Jennie Brown shows you how to make stacks of money investing in property in today's market with little time and effort. This Bootcamp includes market changes, and tips for investing in all types of markets. Learn how to position yourself effectively for the future. Book for a seat here . Learn about NRAS NRAS is not the name of a new rap artist! Its the acronym for National Rental Affordability Scheme. This scheme is a government response to the projected 200,000 dwelling shortage predicted by the end of 2013 in Australia. NRAS was initiated to increase the supply of affordable rental housing; reduce rental costs for low to moderate income households; and encourage investment and delivery of affordable housing. You could receive an after-tax incentive of $8,500, indexed for 10 years, ensure your property investment is cash flow positive and minimise your income tax. All you need is equity in your home. To learn how you can grab this opportunity, contact Rick Harrison on this link info@IntegrityWealthBuilders.com.au. Five Minutes with... Shannon Cook of Empowered Publishing Question 1 What has been your biggest challenge in business and how did you overcome it? Oh heavens, taking over a practice with no systems in place, no qualified staff, and turning it into a business with over a million in turnover. The first steps were rolling up the sleeves, making the commitment to improve,setting goals and ploughing through. In the early years it was just dogged change-putting in systems and procedures, hiring and training good quality staff, planning for the future and not losing sight of the goal post and never losing faith in my own ability. Question 2 If you had to start your business again from scratch, what would you do differently? Id definitely have systems and procedures in place from the start. Ensure enough start up capital from Day 1. Get the best people on side with the same goals, dedication and commitment. Work on the business instead of in the business. Promote client service, client service, client service. Question 3 Who do you admire and why? Oh wow!! There are just so many I really dont know where to start. I guess because Ive been discussing rowing it reminds me of one of our Quad team who succumbed to melanoma. Her attitude, spirit and battle with the disease were impeccable. Although we lost her, all her attributes are still with us: Grit, determination, consolidation of the team, dedication to health, commitment to the team, good humour, love of life and people and the courage to experiment with alternative medical practices. Never give up. I have also had the pleasure of rowing with a couple of people who come to mind - One fellow rows with one good leg and one artificial. His determination is amazing. These types of people whom for whatever reason having unbelievable difficulties that they surmount day after day keep me in awe!! Question 4 It takes a lot of determination and dedication to succeed in business. What keeps you motivated? Everyday presents a new challenge whether it is my own property/investment portfolio, a client with a story to share, a new opportunity arising for myself or a client; all have you welcoming a new day with zest! As a competitive rower for more years than I like to remember, it was my experience that finding goals and competitions to focus on, kept me determined to work through the pain of training, the disappointment of losing a race, and dedication to the sport. It is the same with business; you focus on the objective, do the training, continually improve your skills with coaching and ensure you are up to date with the newest technology of your craft. Question 5 What are your 3 biggest success tips? 1. Set your business goals (strategic plan)- Plan to succeed 2. Hire and motivate the best people in your field, inspire them with positive thoughts. 3. Make sure you have a prosperity mindset-believe in yourself and youll empower those around you. Tell us about Shannon... My staff and my partners are my greatest resources!! As well as quality, timely, and accurate accounting information provided by the accounting practice arm of the business, we are enthusiastically developing the strategic side of our Self Managed Super Advisory Service. For the over 60s, Australia is a tax haven with SMSF providing some exciting possibilities. We are participating and developing some seminars in the coming months to explore some of the great opportunities provided by the Simpler Super Rules which became effective 1 July 2007. Imagine investing your assets with a 10% return, no income tax on the earning or capital gains tax on the asset sale profits and extracting a tax free pension!! Closer to the heart and emotion is the newest arm of the business which is Attracting Financial Abundance (the acronyms were amazing) which puts out there our belief, that what you think you attract. What you feel you become. For more about Shannon visit www.empoweredpublishing.com.au Are you a Successful Sister? Each week, we'll spend five minutes with a successful sister. Like to be considered to share your story? Let us know by emailingcontact@affluencia.com Need A Speaker Would You Like Wendy To Speak Live at Your Next Event or Be a Teleseminar or Webinar Guest? Her presentations and workshops are ideal for anyone looking to get savvy on the internet or discover the tools and techniques to successfully use Social Media and the internet in business. To book Wendy, send an email to contact@savvywebwomen.com. Quick Links Visit the Savvy Web Women Blog Register for our F.R.E.E. monthly teleseminar Discover my Web Secrets Become a Savvy Web Women Affiliate About Wendy Wendy Moore is founder of www.savvywebwomen.com and affluencia.com and committed to showing women everywhere how to be internet savvy. If you liked today's issue, you'll love Wendy's products and coaching programs to help you build confidence and add the necessary tools and techniques to better utilise the power of the internet. Wendy made it to the very top of the corporate IT world, managing multi-million dollar budgets, before gut-wrenching stress demanded she reappraise her life and follow her true passion. With over 14 years experience in the Information technology industry, Wendy now educates, empowers and inspires others and says, "It's all about education and gaining from other's experiences. I'm passionate about helping women in small business better understand and utilise the amazing power of the internet. If you could make money without seeing a single client, how would getting your time back change your life?" You can learn more about Wendy and her courses, programs and products at her website, www.savvywebwomen.com Manage your Subscription You may absolutely share this newsletter with people you think may enjoy it. When doing so, please forward it in its entirety, including our contact and copyright information. Thanks and enjoy! Affluencia Newsletter is written by Wendy Moore. If you have any questions or comments, please send them to: contact@affluencia.com Affluencia.com, GPO Box 2000, Melbourne Vic Australia 3001 Tel: 61 (3) 9686 2288 Fax: 61 (3) 9682 4010 Email: info@affluencia.com Copyright 2009 Affluencia Pty Ltd. All rights reserved. You are on our list because you visited one of our websites. To change your subscription, see link below. Disclaimer: This newsletter is not intended to be a substitute for investment or professional advice. It is a broad discussion to provide a general understanding. Before acting, you should seek specific professional advice for your unique situation. Join our Mailing List to receive a bonus eBook valued at $127 with our compliments Tue, 20 Apr 2010 07:43:11 -0400http://archive.aweber.com/affluencia/1hf3Q/h/_Affluencia_Wendy_Moore_Grab_a.htm Having trouble viewing this newsletter? View online STOCK CLEARANCE: Bargain Real Estate CDs and DVDs Details here Wendy's Year It has been a big 12 months at Affluencia. Due to my love of all things computers and internet related, 2009 saw the launch of a new venture, Savvy Web Women, which I am extremely passionate about. STOCK CLEARANCE - Time to declutter - pick up a bargain A change of focus for me equals a great opportunity for you. I've just spent 3 days decluttering the office and all the Affluencia real estate products have to go! I need to make way for new stock for 2010 so I've decided to give you all a really valuable Christmas gift and price our remaining CD and DVD packs very generously. In fact, it's a down right bargain when you consider the amazing value and content you'll receive. Why are the prices so low? I'd rather these resources go to great homes and help you on your investing journey than be boxed up and put into storage - what a waste! If you'd like to know more, you'll find details here. Renovation Update Our renovation project in South Melbourne is in full swing and due to complete by the end of this year. We'll then be putting the property on the market early in 2010. Those familiar with the Melbourne real estate market will know property prices have boomed. We purchased extremely well for the location and can't wait to share with you what the property sells for when we auction it. Wishing you all an amazing festive season and wonderful 2010. Until next time, happy investing! Wendy Moore "Showing women how to get started in property" PS: Pro Mujer Real Estate Domain Names for Sale Love to start your own Real Estate Website? A number of real estate related website names are now for sale including: www.realestatewomen.com.au www.getstartedinproperty.com (and .com.au) www.propertysuccesssecrets.com (and .com.au) www.propertyperson.com If you'd like to know more details or enquire, please email contact@affluencia.com Wendy Recommends Pick Up a Real Estate Bargain - DVD or CD I've just spent 3 days decluttering the office and all the Affluencia real estate products have to go! I need to make way for new stock for 2010 so I've decided to give you all a really valuable Christmas gift and price our remaining CD and DVD packs very generously. In fact, it's a down right bargain when you consider the amazing value and content you'll receive. Why are the prices so low? I'd rather these resources go to great homes and help you on your investing journey than be boxed up and put into storage - what a waste! Find out more here. Feature Article What is Mortgage Insurance? Typically, most home buyers choose to apply for a loan to finance their purchase instead of using their personal funds. Those with a good credit rating and sound financial status have more chance of easily obtaining a loan compared to applicants with a poor credit history. But some people may be unaware that, along side the normal requirements they'll need to meet, they may still be required to pay for mortgage insurance. Mortgage insurance is an insurance policy that aims to protect lenders from losses in the event a borrower defaults on his or her loan and the property gets repossessed. Many novice investors make the mistake of thinking mortgage insurance protects them. In fact, the opposite is true. Mortgage insurance is normally required for loans amounting to more than 80 percent of the propertys total sale price. Mortgage insurance, however, may only cover a certain percentage of the loan amount ranging from 20 to 50 percent. In cases where a borrower does, indeed default, the insurer will be responsible for paying that particular amount. In Australia, this type of insurance is commonly termed as lenders mortgage insurance or LMI. As a general rule, this insurance will be sufficient to pay out the mortgage loan in full to the lender or bank. It is usually the lending institution that applies for the LMI to cover mostly residential loans. Even so, it is the borrower that pays for the LMI. Mortgage insurance is a one-time fee paid at the time of loan settlement. The fee is based on the amount of the loan and the deposit he or she needs to pay for his purchase. Similar to the process of applying for a loan, a lender first verifies the credit history and financial capability of a borrower before a mortgage insurance company will provide insurance coverage. By Wendy Moore Copyright 2009 Affluencia Pty Ltd WANT TO USE THIS ARTICLE? You can as long as you include the following: Wendy Moore is founder of www.savvywebwomen.com and creator of the Web Secrets Success Club - the step-by-step, hold your hand membership program that gives you the tools and confidence to become internet savvy. To receive your F.R.E.E. Special Report and weekly how-to articles to expand your online internet toolkit, visit www.savvywebwomen.com. Five Minutes with... Alisse Bradley of The Prosperity Whisperer Question 1 What has been your biggest challenge in business and how did you overcome it? My biggest challenge in business has always been self doubt, questioning myself about whether I am good enough and if I know enough It was an honest colleague who helped me to move beyond this when she said to me, Alisse you are definitely good enough, however, when you stop thinking about how YOU feel and start to focus on what you can do for someone else, then you will be great. It may have felt a little harsh at the time, however I have never forgotten this, and when I feel the doubt creeping in; I simply shift my focus and ask How can I be of service? Question 2 If you had to start your business again from scratch, what would you do differently? Knowing what I know nowI would employ a Business Coach to assist me with connecting my life purpose with my business vision, identify my niche market and to set my business plan.I would employ a Feng Shui expert to assist me in creating my outer environment to reflect my goals and set me up to easily attract an abundance of health, wealth and success. I would employ an Emotional Breakthrough Coach to assist me in identifying and overcoming my limitations, the fastest way possible. I have done this now for my business, however in the beginning I wasnt aware that this was the best investment I could make I thought my assets were outside of me and now I know that the greatest asset you have in your business and your life is you. Life really does get better as you get better. Question 3 Who do you admire and why? Dr Wayne Dyer, I have immense admiration for him. Like many people I have witnessed his incredible journey by way of reading his books and listening to his audios. He is a master of self evolution and like so many of us; he has lived some real life trials and tribulations. He has experienced challenges in his relationships, his parenting, his health and his own behaviors and yet he has shown us what matters the most in life and that is to always do your best. He does a great service to humanity and this is why it became so important for me to manifest a face to face meeting with this man. I did, and in 2008, I met Dr Wayne Dyer, and spent some one on one time with him. It was evident that he does in deed have a very, very kind heart! That is important I think. Question 4 It takes a lot of determination and dedication to succeed in business. What keeps you motivated? I agree it does take a lot of determination and dedication to succeed in business; however thats not a bad thing when you are doing what you love. Brian Tracy writes in his book The 21 Success Secrets of Self Made Millionaires, When you start doing what you really love to do, youll never work another day in your life. It is easy for me to stay motivated because my business is my passion and my purpose. I dont have to force myself to do anything as I simply love what I do and I am thrilled to be a part of this creative process called life. Those parts of my business which dont thrill me, I outsource to someone who is equally as passionate about their job. This keeps my energy high. Question 5 What are your 3 biggest success tips? 1. Let me share with you my favorite learnings from 3 very incredible business leaders. Neale Donald Walsh tells us that Business is your highest spiritual understanding demonstrated. I am convinced of this. The universal law of compensation tells us that we will be equally rewarded for the measure of service that we give to others. And this is what business is about, providing a service. The trick is for you to really understand the service that you provide and this requires you to tap in to the needs of others. To do this successfully you will need to continue to learn and grow as a person and you will be aptly rewarded for your effort. 2. Bob Proctor is famous for the statement, What has money got to do with your dreams. (This makes it challenging for anyone to ever make the excuse, I cant afford it, when you are around Bob). For me, this statement is about trust and not always trying to control everything The only thing you have to do is make a decision about what your dream is, then follow your heart. Dont ever block your path by looking at your current position and then limiting yourself to it. The universe has an interesting way of supporting you and making possible the things you have made a definite decision about. 3. I could not close without quoting my friend Dr Wayne Dyer. Wayne is adamant about this one.. Dont die with the music still inside of you. I think every single one of us has a purpose for our life something that we must do while we are here something that gives us that sense of fulfillment. It reveals itself to us in our talents and our passions and when we do it, it feels as though there is a whole other force at work, that we are truly delivering an inspirational message for all to hear. I think in the end this is what will matter most Tell us about Alisse ... An International Speaker, Prosperity Coach, Female Entrepreneur and wife and mother of 4 beautiful children, Alisse lives her passion everyday. She specializes in Purpose Powered Business, teaching women simple step by step processes, which have them, connect with their authentic self, achieve an abundance of health, wealth and success, and ultimately experience the freedom they truly desire in their lives. Alisse has developed her own unique coaching method of energy based modalities and universal principles, combining her varied studies in Feng Shui, Astrology, Neuro Linguistic Programming and Mental Mastery, and she has worked personally with some of the worlds leaders in these fields, including the acclaimed Bob Proctor of The Secret fame, the Father of Motivation himself Dr Wayne Dyer and Feng Shui Master Marie Diamond also of The Secret fame and renowned consultant to the celebrities. For more about Alisse visit www.theprosperitywhisperer.com Are you a Successful Sister? Each week, we'll spend five minutes with a successful sister. Like to be considered to share your story? Let us know by emailing contact@affluencia.com Need A Speaker Would You Like Wendy To Speak Live at Your Next Event or Be a Teleseminar or Webinar Guest? Her presentations and workshops are ideal for anyone looking to get savvy on the internet or discover the tools and techniques to successfully use Social Media and the internet in business. To book Wendy, send an email to contact@savvywebwomen.com. Quick Links Visit the Savvy Web Women Blog Register for our F.R.E.E. monthly teleseminar Discover my Web Secrets Become a Savvy Web Women Affiliate About Wendy Wendy Moore is founder of www.savvywebwomen.com and affluencia.com and committed to showing women everywhere how to be internet savvy. If you liked today's issue, you'll love Wendy's products and coaching programs to help you build confidence and add the necessary tools and techniques to better utilise the power of the internet. Wendy made it to the very top of the corporate IT world, managing multi-million dollar budgets, before gut-wrenching stress demanded she reappraise her life and follow her true passion. With over 14 years experience in the Information technology industry, Wendy now educates, empowers and inspires others and says, "It's all about education and gaining from other's experiences. I'm passionate about helping women in small business better understand and utilise the amazing power of the internet. If you could make money without seeing a single client, how would getting your time back change your life?" You can learn more about Wendy and her courses, programs and products at her website, www.savvywebwomen.com Manage your Subscription You may absolutely share this newsletter with people you think may enjoy it. When doing so, please forward it in its entirety, including our contact and copyright information. Thanks and enjoy! Affluencia Newsletter is written by Wendy Moore. If you have any questions or comments, please send them to: contact@affluencia.com Affluencia.com, GPO Box 2000, Melbourne Vic Australia 3001 Tel: 61 (3) 9686 2288 Fax: 61 (3) 9682 4010 Email: info@affluencia.com Copyright 2009 Affluencia Pty Ltd. All rights reserved. You are on our list because you visited one of our websites. To change your subscription, see link below. Disclaimer: This newsletter is not intended to be a substitute for investment or professional advice. It is a broad discussion to provide a general understanding. Before acting, you should seek specific professional advice for your unique situation. Join our Mailing List to receive a bonus eBook valued at $127 with our compliments Thu, 03 Dec 2009 09:58:48 -0500http://archive.aweber.com/affluencia/SjNU/h/_Affluencia_Understanding.htm August 2009 Having trouble viewing this newsletter? View online Wendy's WordThe Renovation The renovation is well underway. Pictured is the backyard, piled up high with rubble from totally stripping the house. We all looked like chimney sweeps every time we entered the house, there was that much dust in the air. We have now commenced putting this little gem back together - the floor is going back down, walls are going back up and various trades are busy updating and reconnecting services. New Look and New Pix Saturday was a day of total fun. First hair, then a spot of makeup before meeting up with Anthaea Jones, official Affluencia photographer for a photo shoot to capture the new look. The short hair has surprised a few ladies at recent events who didn't recognise me, so time for a few updated shots. Stay tuned. Until next month, happy investing! Wendy Moore Showing women how to get started in property EventsRenovate and Profit Coaching Program Ana Stankovic has just commenced the next round of her successful Renovate and Profit 1-on-1 Coaching Program. If you'd like to jump on board and learn how to renovate by being part of a truly hands on program, make sure you visit the Winning Formulas for Success website. Very limited places remain for those that take action this week. Wendy Recommends Savvy Social Media Event How to Use Social Media in Business Want to know what to expect? Watch this video now to see why you should attend. All the details and limited tickets are at www.webevent.com.au. Are you Over Your Business? Leela Cosgrove's Over Your Business Bootcamp is taking place in Melbourne from 21-23 August. The goal of the Over Your Business Bootcamp is to show you how to use the twin skills of productisation and systemisation to create $100,000 of income in your business over the next 12 months, working no more than 2 hours a day. This isn't some kind of MLM or Network Marketing scheme - the idea is to take the business you have NOW and turn it into something that pays you to do ONLY what you love. Check here for further details. Feature Article What is Mortgage Insurance? Typically, most home buyers choose to apply for a loan to finance their purchase instead of using their own personal funds. Those with a good credit rating and sound financial status have a better chance of easily obtaining a loan compared to applicants with a poor credit history. What you may not know, is that it may be possible to borrow even more funds if your status qualifies you for mortgage insurance. Mortgage insurance is an insurance policy that aims to protect lenders from losses in the event a borrower defaults on a loan and the property gets repossessed. Mortgage insurance is normally required for loans amounting to more than 80 percent of the property's total sale price. Mortgage insurance, however, may only cover a certain percentage of the loan amount ranging from 20 to 50 percent. And in case of a default by the borrower, the insurer will be responsible for paying that particular amount. What is often misunderstood by borrowers is that mortgage insurance is protection for the lender, not the borrower. Even though the borrower is the one paying for mortgage insurnce, it's purpose is to protect the lender. In Australia, this type of insurance is commonly termed as lenders mortgage insurance or LMI. The coverage of this insurance is, in a way, sufficient to pay off the mortgage loan in full to the lender. It is usually the lending institution that applies for the LMI, in most cases to cover residential mortgage loans such as those sought for property investment, construction, home improvement or extension, principal and interest and interest only. Mortgage insurance is a one-time fee paid at the time of loan settlement. The fee is based on the amount of the loan and the insurance required. In some cases, LMI can be tax deductible and a borrower should check with their accountant to see if they can claim any deduction on the mortgage insurance paid. Similar to the process of applying for a loan, a lender first verifies the credit history and financial capability of a borrower before a mortgage insurance company will provide insurance coverage. By Wendy Moore Copyright 2009 Affluencia Pty Ltd WANT TO USE THIS ARTICLE? You can, as long as you include the following: Wendy Mooreis the founder of www.affluencia.com and creator of the Get Started in Property Mentoring Program - the step-by-step, hold your hand program that gives you the tools and confidence to take your first step on the property investing ladder so you can live a life you love. To receive your F.R.E.E. Special Report and weekly how-to articles to expand your property investing toolkit, visit www.affluencia.com. Five Minutes with... Donna Marie Coggins of Jacaranda Business Support Services Question 1 What has been your biggest challenge in business and how did you overcome it? My biggest challenge in business was more prevalent when my son was younger. As a sole-parent living an hour away from any family members or close friends, I didn't have anyone to help with baby-sitting when needed, particularly if I wanted to go to an event of a morning, evening or weekend. I registered with Family Day Care and was blessed with a wonderful Day Care Mum who was a God-send on so many occasions and became a good friend too. Sometimes, where appropriate, my son would come with me, which has been great in that he gained so much from the experience too. Question 2 If you had to start your business again from scratch, what would you do differently? To be honest, I don't think I'd do anything differently. My business and direction have definitely changed and grown since the business began almost 11 years ago, but that's to be expected. I know I've always done the best I could with the knowledge, experience and resources available at the time. Some of the things that didn't work or that have changed since the business began were actually necessary to be able to get to where I am now. Question 3 Who do you admire and why? There are so many people I admire but undoubtedly the main person is Lisa Curry-Kenny. I think Lisa is a remarkable lady and I love the way she manages to blend her family, career and personal needs. I bought Lisa's book, Get Up and Go! when it was released in 1998 and have read it so many times. One of my philosophies in life, thanks to Lisa, is that, You can't ask anymore of yourself if you've given everything you've got. Sometimes things don't go to plan, but if you gave it your best shot, that's what matters. Lisa Curry-Kenny is #1 on my list of people I would love to meet. Question 4It takes a lot of determination and dedication to succeed in business. What keeps you motivated? I'm very grateful that I am a really driven person. I have a clear vision of what I want to do with my life and what I want to achieve and that motivates me more than anything else. I'm a firm believer in setting goals, taking action and that you get what you focus on. I love that most mornings I can wake up excited that I can get back to doing what I love throughout the day. To be able to do that, I am strict on the work that I take on these days in that I only do what I enjoy doing and can feel passionate about. Usually, for me, feeling unmotivated is a sure sign that I need some time out, so a day or ½ day off - doing something totally unrelated to work - is the best solution. Question 5 What are your 3 biggest success tips? 1. Research, plan and then just do it. 2. Find role models who inspire you - within your industry, in business and anywhere else. Discover what makes them tick, what makes them successful and why you admire them, then build those qualities you admire most into your own persona. When you find yourself uncertain as to what to do, ask yourself, What would so-and-so do? or How would they handle this? 3. There will always be people who will criticise you, tell you why you can't do something or that you're doing it wrong, or who will try to put you down when you are finding your success - these people are the 'dreamtakers'. Don't let them discourage you. Do your own research; live by your own standards, ethics and rules and you will be able to hold your head high knowing that you've followed your dreams and lived life respecting your own values. Spend as much time as possible 'hanging out' with people who encourage, inspire and make you feel good. Tell us about Donna Marie... As an author and owner of Jacaranda Business Support Services, I specialise in simplifying small business. I offer other small and micro-business owners resources, tips and guidance in establishing or growing their business, along with co-ordinating business events in Brisbane. For more about Donna Marie visit www.Donna-MarieCoggins.com Are you a Successful Sister? Each week, we'll spend five minutes with a successful sister. Like to be considered to share your story? Let us know by emailingcontact@affluencia.com Need A Speaker Would You Like Wendy To Speak Live at Your Next Event or Be a Teleseminar Guest? Her presentations and workshops are ideal for anyone looking to get started on the internet or discover the tools and techniques to successfully utilise social media. Send an email to contact@affluencia.com if you'd like to book her. Where is Wendy Speaking Next?Melbourne Savvy Social Media - [EVENT] Sunday 30th August What Women Want - [EVENT] Sunday 25th October - LIVE Social Media demo MCEI Conference - [EVENT] Friday 30th October - Internet Marketing SydneyAccelerate in Business - Friday 14th - Sunday 16th August - LIVE Social Media demo Quick Links Visit the Affluencia Blog Follow our South Melbourne renvoation About Wendy Wendy Moore is founder of www.affluencia.com and committed to showing women everywhere how to get started in property. If you liked today's issue, you'll love Wendy's products and coaching programs to help you build confidence and add the necessary tools and techniques to your property investing toolkit so you too can live a life you love. Wendy made it to the very top of the corporate IT world, managing multi-million dollar budgets, before gut-wrenching stress demanded she reappraise her life and follow her true passion: property investing. Wendy now educates, empowers and inspires others and says, It's all about education and gaining from other's experiences. I'm passionate about helping women become financially independent through investing in property. You can learn more about Wendy and her courses, programs and products at her website, www.affluencia.com Manage your Subscription You may absolutely share this newsletter with people you think may enjoy it. When doing so, please forward it in its entirety, including our contact and copyright information. Thanks and enjoy! Affluencia Newsletter is written by Wendy Moore. If you have any questions or comments, please send them to: contact@affluencia.com Affluencia.com, GPO Box 2000, Melbourne Vic Australia 3001 Tel: 61 (3) 9686 2288 Fax: 61 (3) 9682 4010 Email: info@affluencia.com Copyright 2009 Affluencia Pty Ltd. All rights reserved. You are on our list because you visited one of our websites. To change your subscription, see link below. Disclaimer: This newsletter is not intended to be a substitute for investment or professional advice. It is a broad discussion to provide a general understanding. Before acting, you should seek specific professional advice for your unique situation. Join our Mailing List to receive a bonus eBook valued at $47 with our compliments Wed, 05 Aug 2009 21:33:11 -0400http://archive.aweber.com/affluencia/fz4F/h/_Affluencia_Make_owning_that.htm Having trouble viewing this newsletter? View online In this issue June F.ree Teleseminar Tomorrow Register here Wendy's Week Events and Teleseminars Wendy Recommends Feature Article: Steps to Own Your Home Five Minutes with... Need a speaker Quick Links About Wendy Manage your Subscription Wendy's Week Renovation has begun! And so has the fun, as we rip up carpets, tear down walls and make a jolly old mess. As you can see from the picture there is a bit of dust and we found some treasures buried under the carpet. To see what we found, watch our latest video here. Have you subscribed to our video channel to be kept up to date? If not, do so here. Don't forget to register for our June f.ree teleseminar taking place on Monday (tomorrow!) Until next week, happy investing! Wendy Moore "Showing women how to get started in property" PS: Simply Giving Events and Teleseminars How to Achieve a Better Sale Price using Home Staging (THIS MONDAY!!) Register here for our F.R.E.E. June Monthly Teleseminar Wendy Lacey from Colour Sense and Style will joining us to share her tips and strategies for successfully staging a home for sale. To listen in live to this f.r.e.e. teleseminar, just register here. Renovate and Profit Workshops Inspired to renovate your own piece of property? Not sure what to do or where to start? Then attending a Renovate and Profit workshop is just what you need! You'll find details of the next workshop near you here. Wendy Recommends Are you "Over Your Business?" Leela Cosgroves Over Your Business Bootcamp is taking place in Melbourne from 21-23 August. The goal of the Over Your Business Bootcamp is to show you how to use the twin skills of productisation and systemisation to create $100,000 of income in your business over the next 12 months, working no more than 2 hours a day. This isnt some kind of MLM or Network Marketing scheme the idea is to take the business you have NOW and turn it into something that pays you to do ONLY what you love. I urge you to attend a F.REE preview session (valued at $97) in a city near you. Check here for locations. It's ART: Wear It! Local Artist Helenmary Burnside is presenting the Community Event - It's ART: Wear It! at the Louis Joel Arts and Community Centre in Altona, Melbourne on Friday 24th July at 7pm. If you'd like to support a great cause, please contact 03 9398 2511 or email itsartwearit@hotmail.com. Feature Article Next Steps to Own Your Own Home People will always want a home in which to live with their loved ones. The good news is buying your own home is totally achievable. But many of us dont know where start and how to get the ball rolling. Careful planning and strategising are essential. Planning involves determining your budget, financial capabilities and financing options, working out the type and size of the house you want, its location and deciding on which solicitor to use to settle the transaction. After the planning stage, the next most important step is to figure out your finances. With a budget in mind, it is far easier to look for your specific property. Contact your trusted finance broker to establish exactly how much you can borrow and what you'd be comfortable repaying each month. From there, you can start searching for your ideal house. Look at the stock avaiable with real estate agents in your chosen area. Scour the internet. Check the local papers. The classified section of the local newspapers is a great place to look as you just may stumble across a real gem. If advertisements have photos, make sure you can personally verify what you see is what you'll be getting! That's why inspection is the next crucial step. In Australia, sellers are not required to disclose any defects they are aware of in their house. For this reason, it is essential to personally inspect the property inside and out or if youre unavailable to do so, have someone trustworthy person to check it for you. If youve finally decided on purchasing the family dream home, obtain a copy of the contract for sale. Now is the time to find a solicitor who is familiar with contracts of sale for the area in which your house is located. They'll be able to check the contract for any irregularities or "gotchas". By following these basic steps and ensuring you do your due dilligence, you'll be that much closer to owning your dream home. By Wendy Moore Copyright 2009 Affluencia Pty Ltd WANT TO USE THIS ARTICLE? You can, as long as you include the following: Wendy Moore is founder of www.affluencia.com and creator of the Get Started in Property Mentoring Program - the step-by-step, hold your hand program that gives you the tools and confidence to take your first step on the property investing ladder so you can live a life you love. To receive your F.R.E.E. Special Report and weekly how-to articles to expand your property investing toolkit, visit www.affluencia.com. Five Minutes with... Yvette Adams of The Creative Collective Question 1 What has been your biggest challenge in business and how did you overcome it? Debt collecting has always been a bit of a challenge. We now have a range of systems and processes in place to alleviate the impact such as: An online accounts system which allows our clients to pay online with a credit card and comes complete with scheduled autoresponders which sends out reminder emails every week for 4 weeks. Hiring a dedicated staff member to keep our accounts up to date and chase outstanding money. Ensuring we had strong payment terms in place and requesting both initial deposits and progress payments if projects are delayed outside of our control. Question 2 If you had to start your business again from scratch, what would you do differently? Not have just had my second child (7 weeks in) when I started the business!!! Question 3 Who do you admire and why? I admire anyone who is passionate and successful at what they do. I think passion is infectious. I admire all the amazing parents of the world who juggle parenting with successful careers and social lives. I admire those with creative flair be that in the musical world, art, theatre, the written word. I admire business people who have started from scratch and ended up as multi-millionaires. But no one in particular. There is beauty and something worth admiring in everyone. Question 4 It takes a lot of determination and dedication to succeed in business. What keeps you motivated? I have always been a fairly self-motivated person, perhaps because of my strong background in sport (I was an age group rep in water polo and won regional and national medals in swimming and surf lifesaving). I guess what makes me jump out of bed every day is that I love what I do and I want to do well both for myself and my family. Its all about lifestyle for me. If my business is more successful and I manage it well then I have more money to do what I want, when I want and more time to spend with my family. I love the flexibility of being my own boss. Question 5 What are your 3 biggest success tips? 1. Document everything you do so you only have to do it once! Place your documented procedures, log ins, templates, contact details, systems etc on a wiki (I use www.pbwiki.com) so your staff and you can log in any time, anywhere to access key information. Its also a great backup system. 2. Chunk your time Create a weekly schedule and allocate time for every aspect of your life it is important to you to maintain. Include everything from time with your partner to time with your kids, fitness time, beauty/social/leisure time and work time. Within your working hours, chunk your time down into areas of your business you need to work on i.e. Tue mornings 9am 12pm accounts. Friday afternoon 12:30 4:30pm business development/research. Make all your phone calls in one hit, then allocate time to emails so youre not bouncing around on time wasting tasks. 3. Regularly review your position and work out whats working and whats not. Look at your financials, your competitors, plan and then move forward again. It may be hard to dedicate time to working on your business but its essential! Tell us about Yvette... From Big Ben to the Big Pineapple, Yvette Adams has led an exciting career as a freelance writer, speaker, author, PR/marketing consultant, online and offline editor, events manager and mother of two. She is the director of The Creative Collective, an award winning creative services agency based in Queensland, Australia offering the full range of creative services including PR, awards applications, websites, internet marketing, seo, graphic design, print production, photography and more. They won the 2008 Queensland Small Business Champions Specialised Small Business award and Yvette won the Young Entrepreneur of the Year and has been a finalist in numerous other local, state, national and international business awards. For more about Yvette visit www.thecreativecollective.com.au Are you a Successful Sister? Each week, we'll spend five minutes with a successful sister. Like to be considered to share your story? Let us know by emailing contact@affluencia.com Need A Speaker Would You Like Wendy To Speak Live at Your Next Event or Be a Teleseminar Guest? Her presentations and workshops are ideal for anyone looking to get started investing in real estate or discover the tools and techniques to successfully invest in property. Send an email to contact@affluencia.com if you'd like to book her. Where is Wendy Speaking Next? Brisbane The Winners Circle - Wednesday 24th June - Essentially for Women Melbourne The Red Tent Woman - Wednesday 15 July - Understanding Social Media Sydney Accelerate in Business - Friday 14th - Sunday 16th August Quick Links Visit the Affluencia Blog Register for our F.R.E.E. monthly teleseminar Attend the next Affluencia Event Follow our South Melbourne renvoation About Wendy Wendy Moore is founder of www.affluencia.com and committed to showing women everywhere how to get started in property. If you liked today's issue, you'll love Wendy's products and coaching programs to help you build confidence and add the necessary tools and techniques to your property investing toolkit so you too can live a life you love. Wendy made it to the very top of the corporate IT world, managing multi-million dollar budgets, before gut-wrenching stress demanded she reappraise her life and follow her true passion: property investing. Wendy now educates, empowers and inspires others and says, "It's all about education and gaining from other's experiences. I'm passionate about helping women become financially independent through investing in property." You can learn more about Wendy and her courses, programs and products at her website, www.affluencia.com Manage your Subscription You may absolutely share this newsletter with people you think may enjoy it. When doing so, please forward it in its entirety, including our contact and copyright information. Thanks and enjoy! Affluencia Newsletter is written by Wendy Moore. If you have any questions or comments, please send them to: contact@affluencia.com Affluencia.com, GPO Box 2000, Melbourne Vic Australia 3001 Tel: 61 (3) 9686 2288 Fax: 61 (3) 9682 4010 Email: info@affluencia.com Copyright 2009 Affluencia Pty Ltd. All rights reserved. You are on our list because you visited one of our websites. To change your subscription, see link below. Disclaimer: This newsletter is not intended to be a substitute for investment or professional advice. It is a broad discussion to provide a general understanding. Before acting, you should seek specific professional advice for your unique situation. Join our Mailing List to receive a bonus eBook valued at $47 with our compliments Sun, 21 Jun 2009 00:48:12 -0400http://archive.aweber.com/affluencia/13tVV/t/Celebrate_the_launch_with_us_.htmHi , When I learn about great opportunities that offer sensational quality and value, I love to share these with you and I'm so excited to tell you about this one. Today I am launching my Savvy Web Women website and you are invited to join this exclusive 'invitation only' celebration and take advantage of the amazing f'ree gifts and prizes I am offering just by joining the Savvy Web Women community between Tuesday 16th June and Thursday 18th June. You will receive access to over $4,000 in f'ree bonuses instantly just by visiting Savvy Web Women and joining the community PLUS everyone that joins receives 15 chances to win over $6,000 in prizes. And best of all, joining the community is absolutely f,ree! I guess now you can see why I want you to know this. The best part of this terrific celebration launch is yet to come...Savvy Web Women is an amazing community of inspiring, empowering women and you'll love receiving the regular success tips, strategies and insights provided by me. "Wendy, you pack a punch. The information you share is clear, hard-hitting and useful. You obviously care deeply about what you do, and you obviously walk your talk" -- LILIANE GRACE, Author of The Mastery Club Visit http://www.savvywebwomen.com/BonusGivers1.html to get your gifts and prize entries. "Wendy Moore's savvy approach to the web (as a marketing tool) has opened windows where only brick walls appeared before. Wendy's advice is simple and easy to apply which, in this era of time pressures is imperative. I strongly recommend Savvy Web Women to you if you are serious about getting a headstart with your new business venture, or to build the web presence of your current business. Savvy Web Women is a must!" -- ANTHAEA JONES, Photographer, Melbourne I want to be sure you don't miss this offer of joining the Savvy Web Women community between Tuesday 16th June and Thursday 18th June so that you also receive the instant giveaways from myself and other savvy business experts from around the globe! Visit http://www.savvywebwomen.com/BonusGivers1.html to get your gifts and prize entries. Remember, when you join the Savvy Web Women f'ree community you'll receive 15 chances to win over $6,000 in prizes and instant gifts. I'd like to congratulate you in advance for seizing a great opportunity when it presents itself. In the meantime, Achieve the Abundance you Deserve! Wendy Moore http://www.affluencia.com Tue, 16 Jun 2009 01:03:22 -0400http://archive.aweber.com/affluencia/1In9B/h/_Affluencia_The_renovation_fun.htm Having trouble viewing this newsletter? View online In this issue Get Started for just $1! Details here. Wendy's Week Events and Teleseminars Wendy Recommends Feature Article: Getting Started in Property Five Minutes with... Need a speaker Quick Links About Wendy Manage your Subscription Wendy's Week It has taken many months, but we have finally settled the sale of our South Melbourne property today. Three Cheers! There were dramas right up until the last minute including extra charges, a delayed settlement, missing documents and key people travelling interstate. We'll be sharing it all with you in a future video. Have you subscribed to our video channel to be kept up to date? If not, do so here. Now the fun (and hard work) begins as we bring this wonderful old lady back to life. We'll see what other treasure we uncover (such as this old set of scales, above). Until next week, happy investing! Wendy Moore "Showing women how to get started in property" PS: East Meets West Events and Teleseminars How to Achieve a Better Sale Price using Home Staging Register here for our F.R.E.E. May Monthly Teleseminar Wendy Lacey from Colour Sense and Style will joining us to share her tips and strategies for successfully staging a home for sale. To listen in live to this f.r.e.e. teleseminar, just register here. Must attend event for Savvy Business Women! If you are not leveraging the internet in your business you are missing out! But where do you start? We'll be lifting the lid at our Full Day Melbourne Event. Join us at the Savvy Web Women event. Tickets selling fast! Wendy Recommends Trial my Get Started in Property Mentoring Program for 1 Month for just $1! There is absolutely NO BETTER TIME to get started investing in property. So I'm going to give you the best reason yet! You can trial my Get Started in Property Mentoring Program for an entire month, RISK FREE, for just $1. For details, go to www.getstartedinproperty.com and use Coupon Code: GSIPTRIAL to get started. Massive End of Financial Year Clearance Sale - 60% off! With the end of the financial year fast approaching, now is a great time to grab hold of an investing bargain! Join in the Affluencia Stocktake Sale! All Affluencia CDs and DVDs have been slashed to clear to make way for new stock. We're giving you a massive 60% off all Affluencia CDs and DVDs until 30 June 2009. Make sure your use Coupon Code 2009SALE when you check out. See what's available and find out more here Feature Article How to Get Started Investing In Property Many of you may have heard the success stories of real estate investors and may be thinking about venturing into the property field as well. So how does one get started in property investing? Self-assessment is crucial. Ask yourself what you want to achieve in this field. If you have a positive attitude and you have the dedication to stick with it and do your best, property investing may be for you. Arm yourself with a wealth of knowledge about the real estate industry in your chosen area: Track the figures on property sales, understand the laws for purchasing in your target area and the understand how to sell property to your target market look at different financing options understand the common mistakes to avoid, get to know the documents required understand the roles of real estate agents and lawyers in the entire transaction Teleseminars are a great and convenient way to personally get in touch with real estate experts and to learn more about what they do and their personal success tips. Many real estate educators hold property events throughout the year, in the different areas of Australia, targeting different methods of investing. Also, network with other people who share your interests and share and learn valuable information. Find a mentor who you can relate to and learn from them. Once you've started on the knowledge gathering journey, the next step is to assess your own financial situation. Find out the financial options available to help you get started in property investing by speaking to a reputable mortgage broker. Finally, never stop discovering and learning. Remember, the more you learn, the more likely you are to succeeed. Make sure you take a look at the Get Started in Property Mentoring program if you are keen to start on your investing journey (www.getstartedinproperty.com). Trial the program for the first month for just $1. Use Coupon code: GSIPTRIAL when you check out. By Wendy Moore Copyright 2009 Affluencia Pty Ltd WANT TO USE THIS ARTICLE? You can, as long as you include the following: Wendy Moore is founder of www.affluencia.com and creator of the Get Started in Property Mentoring Program - the step-by-step, hold your hand program that gives you the tools and confidence to take your first step on the property investing ladder so you can live a life you love. To receive your F.R.E.E. Special Report and weekly how-to articles to expand your property investing toolkit, visit www.affluencia.com. Five Minutes with... Jenny Stilwell of Bossmentor Question 1 What has been your biggest challenge in business and how did you overcome it? Initially, learning that corporate marketing bears little resemblance to small business marketing! I have always engaged in a constant cycle of learning new ideas and techniques, implementing and testing them, and measuring what works. Its ongoing. Question 2 If you had to start your business again from scratch, what would you do differently? I would employ a virtual team from day one, rather than wait, to handle all the things outside of what I love and what Im really good at! Question 3 Who do you admire and why? Sir Richard Branson he is the only entrepreneur on the planet who has created eight, billion-dollar businesses from scratch. Question 4 It takes a lot of determination and dedication to succeed in business. What keeps you motivated? Constantly learning and discovering new strategies and practices that I can apply to my own business and those of my clients like mini breakthroughs! Helping my clients become successful that always motivates me. I love getting new projects up like our new Renaissance Magazine. Question 5 What are your 3 biggest success tips? 1. Pay attention to your business model create it, just dont let it happen. 2. Dont ignore leverage it makes all the difference to your growth. 3. Know what youre good at, and keep getting better. Tell us about Jenny... Jenny Stilwell is the founder of Bossmentor(r) and creator of the Strategic Growth Blueprint(tm) - a roadmap for service firm growth and reinvention. Bossmentor(r) provides advice and mentoring to business owners that will help them create better strategy and structure for growth. For more about Jenny visit www.bossgroup.com.au Are you a Successful Sister? Each week, we'll spend five minutes with a successful sister. Like to be considered to share your story? Let us know by emailingcontact@affluencia.com Need A Speaker Would You Like Wendy To Speak Live at Your Next Event or Be a Teleseminar Guest? Her presentations and workshops are ideal for anyone looking to get started investing in real estate or discover the tools and techniques to successfully invest in property. Send an email to contact@affluencia.com if you'd like to book her. Where is Wendy Speaking Next? Brisbane The Winners Circle - Wednesday 24th June - Essentially for Women Melbourne Essentially for Women - Wednesday 10th June - Linking Social Media Teleseminar The Winners Circle - Monday 15th June - Essentially for Women The Red Tent Woman - Wednesday 15 July - Understanding Social Media Sydney Accelerate in Business - Friday 14th - Sunday 16th August Quick Links Visit the Affluencia Blog Register for our F.R.E.E. monthly teleseminar Attend the next Affluencia Event Follow our South Melbourne renvoation About Wendy Wendy Moore is founder of www.affluencia.com and committed to showing women everywhere how to get started in property. If you liked today's issue, you'll love Wendy's products and coaching programs to help you build confidence and add the necessary tools and techniques to your property investing toolkit so you too can live a life you love. Wendy made it to the very top of the corporate IT world, managing multi-million dollar budgets, before gut-wrenching stress demanded she reappraise her life and follow her true passion: property investing. Wendy now educates, empowers and inspires others and says, "It's all about education and gaining from other's experiences. I'm passionate about helping women become financially independent through investing in property." You can learn more about Wendy and her courses, programs and products at her website, www.affluencia.com Manage your Subscription You may absolutely share this newsletter with people you think may enjoy it. When doing so, please forward it in its entirety, including our contact and copyright information. Thanks and enjoy! Affluencia Newsletter is written by Wendy Moore. If you have any questions or comments, please send them to: contact@affluencia.com Affluencia.com, GPO Box 2000, Melbourne Vic Australia 3001 Tel: 61 (3) 9686 2288 Fax: 61 (3) 9682 4010 Email: info@affluencia.com Copyright 2009 Affluencia Pty Ltd. All rights reserved. You are on our list because you visited one of our websites. To change your subscription, see link below. Disclaimer: This newsletter is not intended to be a substitute for investment or professional advice. It is a broad discussion to provide a general understanding. Before acting, you should seek specific professional advice for your unique situation. Join our Mailing List to receive a bonus eBook valued at $47 with our compliments Tue, 09 Jun 2009 04:08:15 -0400http://archive.aweber.com/affluencia/1Dh4R/h/_Affluencia_Get_a_government.htm Having trouble viewing this newsletter? View online In this issue Join Our End of Financial Year Sale! Details here. Wendy's Week Events and Teleseminars Wendy Recommends Feature Article: Solar Hot Water Rebate Five Minutes with... Need a speaker Quick Links About Wendy Manage your Subscription Wendy's Week What a busy week! First stop was at the Nationwide Networking event with Ben Angel. Ben will also be the special guest at the next Red Tent Event talking about Professional Prowess. Ben recently helped with my styling too. Next, I flew to Sydney to attend the Rich Dad event and had the honour of meeting Kim Kiyosaki. As you may know, it was reading Kim's book "Rich Woman" that inspired me to establish Affluencia so it was a thrill to finally meet her. What an inspiring lady! Before I left Sydney I spoke at the Infusion Networking event about the 3 Keys to Online Success. If you'd like to discover more about the internet, make sure you jump on the Savvy Web Women mailing list here. Last of all, we are finally settling our South Melbourne purchase. Hooray! We settle on Tuesday and will commence the renovation next week. Make sure you take a look at this video and subscribe to our channel to be kept right up to date with the entire process. Until next week, happy investing! Wendy Moore "Showing women how to get started in property" PS: Food Allergy Initiative Events and Teleseminars How to Achieve a Better Sale Price using Home Staging Register here for our F.R.E.E. May Monthly Teleseminar Wendy Lacey from Colour Sense and Style will joining us to share her tips and strategies for successfully staging a home for sale. To listen in live to this f.r.e.e. teleseminar, just register here. Become a Savvy Web Woman! Do you run a service based Small Business? Would you like to discover how to attract new clients or even just how to better monetize your existing clients? Join us at the Savvy Web Women event. Limited VIP tickets now on sale. Wendy Recommends Massive End of Financial Year Clearance Sale - 60% off! With the end of the financial year fast approaching, now is a great time to grab hold of an investing bargain! Join in the Affluencia Stocktake Sale! All Affluencia CDs and DVDs have been slashed to clear to make way for new stock. We're giving you a massive 60% off all Affluencia CDs and DVDs until 30 June 2009. Make sure your use Coupon Code 2009SALE when you check out. See what's available and find out more here. Feature Article How to avail of the Solar Hot Water Rebate Many homeowners in Australia are expected to benefit greatly from the governments Energy Efficiency Homes Package. The $3.9 billion package is part of the $42 billion Nation Building and Jobs Plan that aims to generate more jobs in the fields of manufacturing, distribution and installation of ceiling insulation and solar hot water systems. Covered under the solar hot water rebate program are homeowners, landlords or tenants who replace their electric storage hot water systems with the solar or heat pump units and only their main residence. Those eligible can enjoy up to a $1,600 rebate. The goal of using solar hot water systems is to cut greenhouse gas emissions. It has been confirmed that in Australia, water heating is a major source of greenhouse gas emissions and utilizes approximately 28 percent of energy in a single home. The solar hot water system plays a key role as it is not only environment friendly but it also provides families with big savings on their yearly electricity bills ranging from $300 to $700. The Australian government recognizes the benefits of using renewable energy and is strongly committed to provide incentives to homeowners who adopt the eco-friendly systems. Homeowners can only choose one of either the solar hot water program or home insulation program to avail of the $1,600 rebate. The reimbursement will be given only after installation. To be eligible for the hot water rebate, homeowners, landlords or tenants need to install a solar or heat pump hot water system with the assistance of a qualified and licensed electrician or plumber. Those who can apply for rebates now are homeowners who have installed solar hot water systems on or after February 3, 2009 until June 30, 2009. Submission of applications is allowed within six months after the installation. The application form must be signed by the installer to certify that your unit is new and a hot water system. The installer is also required to give other technical and installation details. More information on this program can be read on the Department of Environment website at www.environment.gov.au/energyefficiency By Wendy Moore Copyright 2009 Affluencia Pty Ltd WANT TO USE THIS ARTICLE? You can, as long as you include the following: Wendy Moore is founder of www.affluencia.com and creator of the Get Started in Property Mentoring Program - the step-by-step, hold your hand program that gives you the tools and confidence to take your first step on the property investing ladder so you can live a life you love. To receive your F.R.E.E. Special Report and weekly how-to articles to expand your property investing toolkit, visit www.affluencia.com. Five Minutes with... Josie Kearsey of KlassEvents.com Question 1 What has been your biggest challenge in business and how did you overcome it? The biggest challenge was starting a new company and getting the name and brand into the market place. I used my networking and lead generation skills to get the business out there and found one of the best and most effective ways was to do joint projects with other businesses eg: a training company would put on an event and I would coordinate and facilitate the event management component. Question 2 If you had to start your business again from scratch, what would you do differently? Make a 48 hour clock The only thing I would do differently would be to market more aggressively rather than rely on word of mouth or referrals. Question 3 Who do you admire and why? I admire my mum shes my super hero, at the age of 17 she had the guts, strength and determination to leave her family and her home, traverse the ocean and come to a strange land where she didnt understand the language or the culture, to start a new life with my dad...Im glad she passed those qualities on to me. Question 4 It takes a lot of determination and dedication to succeed in business. What keeps you motivated? I love seeing things evolve from just an idea into a realityIn my industry its all about the planning and the detail and finally the delivery of the finished product.. for me its the satisfaction of a job well done that keeps me going in for more. Question 5 What are your 3 biggest success tips? 1. Work to an achievable plan and break it up into steps so that you realize your business goals. 2. Be clear about what you want to achieve for yourself and your business and get right in there to accomplish it. Obstacles are just speed humps to your success. 3. Possess a whatever it takes attitude you will win peoples trust and trust is vital especially in the industry I am in. Tell us about Josie... I love working with people and have over the past 20 years created events that transcend the ordinary, enliven the senses and fulfill even the unexpected desires and needs of my clients. My greatest reward is when I can help my clients to make a memory or make a statement and create an experience of a lifetime. Klass Events delivers a complete event management service for corporate, social and not for profit events with uncompromising attention to detail providing superior service to turn your event, conference or seminar into a class event. For more about Josie visit www.klassevents.com Are you a Successful Sister? Each week, we'll spend five minutes with a successful sister. Like to be considered to share your story? Let us know by emailingcontact@affluencia.com Need A Speaker Would You Like Wendy To Speak Live at Your Next Event or Be a Teleseminar Guest? Her presentations and workshops are ideal for anyone looking to get started investing in real estate or discover the tools and techniques to successfully invest in property. Send an email to contact@affluencia.com if you'd like to book her. Where is Wendy Speaking Next? Brisbane The Winners Circle - Wednesday 24th June - Essentially for Women Melbourne Productivity Coaching Club - Tuesday 9th June - teleseminar Infusion Networking - Sunday 14th June - half day internet workshop The Winners Circle - Monday 15th June - Essentially for Women The Red Tent Woman - Wednesday 15 July - Understanding Social Media Sydney Accelerate in Business - Friday 14th - Sunday 16th August Quick Links Visit the Affluencia Blog Register for our F.R.E.E. monthly teleseminar Attend the next Affluencia Event Follow our South Melbourne renvoation About Wendy Wendy Moore is founder of www.affluencia.com and committed to showing women everywhere how to get started in property. If you liked today's issue, you'll love Wendy's products and coaching programs to help you build confidence and add the necessary tools and techniques to your property investing toolkit so you too can live a life you love. Wendy made it to the very top of the corporate IT world, managing multi-million dollar budgets, before gut-wrenching stress demanded she reappraise her life and follow her true passion: property investing. Wendy now educates, empowers and inspires others and says, "It's all about education and gaining from other's experiences. I'm passionate about helping women become financially independent through investing in property." You can learn more about Wendy and her courses, programs and products at her website, www.affluencia.com Manage your Subscription You may absolutely share this newsletter with people you think may enjoy it. When doing so, please forward it in its entirety, including our contact and copyright information. Thanks and enjoy! Affluencia Newsletter is written by Wendy Moore. If you have any questions or comments, please send them to: contact@affluencia.com Affluencia.com, GPO Box 2000, Melbourne Vic Australia 3001 Tel: 61 (3) 9686 2288 Fax: 61 (3) 9682 4010 Email: info@affluencia.com Copyright 2009 Affluencia Pty Ltd. All rights reserved. You are on our list because you visited one of our websites. To change your subscription, see link below. Disclaimer: This newsletter is not intended to be a substitute for investment or professional advice. It is a broad discussion to provide a general understanding. Before acting, you should seek specific professional advice for your unique situation. Join our Mailing List to receive a bonus eBook valued at $47 with our compliments Thu, 04 Jun 2009 23:53:12 -0400http://archive.aweber.com/affluencia/Vb4h/h/_Wendy_Moore_SWW_Twitter.htm Having trouble viewing this newsletter? View Online Thank you and Welcome! Discover my Savvy Web Secrets - Receive 50% off your first month. Coupon Code: SWSLAUNCH Welcome to the very first Savvy Web Women newsletter! My aim is to reach as many woman as possible and show them how to get online and I need your help. Please forward this newsletter to a least two other women who you know would benefit. If you received this newsletter from a friend, please click here to sign up to receive the next newsletter directly. Wendy's Week I've just come back from much needed week in Palm Cove with Brendan Nichols. I'm part of his Wealth Mastermind Club and we all had some amazing breakthroughs across the weekend. I'm really looking forward to the next get together and encourage you to touch base with your favourite mentor on a regular basis. Next, I'm off to Sydney on Wednesday speaking at the Infusion event - How to Become Web Savvy - 3 Keys to Internet Success. If you are based in Sydney and are a woman in small business, make sure you book your seat as it is going to be a fun night. Until next week, happy surfing! Wendy Moore Showing Business Women how to Get Online PS: Like to help a fellow entrepreneurial sister? Visit www.kiva.org Events and Teleseminars Discover how to use Social Media in Your Business Register here for our F.R.E.E. June Monthly Teleseminar Join Wendy Moore to discover how to use Twitter, FaceBook, YouTube and LinkedIn to grow your email list and attract more clients into your business. To listen in live to this f.r.e.e teleseminar, just register here. Become a Savvy Web Woman! Do you run a service based Small Business? Would you like to discover how to attract new clients or even just how to better monetize your existing clients? Join us at the Savvy Web Women event. Limited VIP tickets now on sale. All the details are at www.webevent.com.au. Wendy RecommendsHow to Become Web Savvy - 3 Keys to Internet Success If you are based in Sydney and are a woman in small business, make sure you book your seat to hear me speak at a very special Infusion Event - How to Become Web Savvy - 3 Keys to Internet Success. It is going to be a fun night with great content and wonderful networking opportunities. Discover my Savvy Web Secrets - special Launch offer If you think tweeting is the noise birds make, bookmarks save the page in your latest novel or cookies are your favourite snack, my Savvy Web Secrets will lift the lid on how to successfully ustilise the power of the internet in your business. As a special launch bonus, you'll receive 50% off your first month in the program. Just use Coupon Code: SWSLAUNCH when you check out. You'll find all the details here. Feature Article Twitter Etiquette - Seven dos and don'tsDon't #1: Protected Updates Protecting your updates is fine but not if you're on Twitter to expand your network. It's a social networking site so if you're there, you're better off to socialise with as many people as you can. Making yourself available exclusively to close friends only is not an appropriate attitude. It's like shutting your window of opportunity to other people who may just be able to bring you more potential clients in the future. Don't #2: No Pic Not uploading a photo won't give you results any at all. Come to think of it, nobody wants to connect with a person they can't see. Seeing someone at least through a picture gives you the feeling that you're establishing a relationship with a real individual. So never forget to include a close-up photo of yourself in your profile. Don't be shy - show yourself to people. Don't # 3: No Bio This is a must. When you create a bio, make it a standout. Be unique by using catchy and descriptive words to let people know what an interesting person you are. Include descriptions that show your expertise in a particular field and the success you've achieved. Don't forget to add details about your human side such describing yourself as a loving partner or doting mother. You being a normal human will draw people to you. Don't # 4: No Updates Perhaps there's no other social networking site that features frequent interaction like Twitter. That's the beauty of socialising. You engage in discussions by conversing with the audience and the people who follow you. Frequent updating is essential if you want to have a loyal following so make sure that you always take part in conversations. Don't #5: Wrong Type of Updates When tweeting, think of value. Think of what you can offer your followers that will be useful to them. Your profile page should have information that can positively influence people in their daily lives. Share something interesting, something fresh and funny. If you know of breaking news or trivia that you think has not yet been broadcast, go ahead and be the first to share it. If you can consistently provide value to your followers, they will continue to go to you. Don't # 6: Not Following People Back To follow or not to follow, that is the question. Some people on Twitter are guilty of having more followers than the people they actually follow. This may not be bad at all but later on, you may just find your followers dwindle in number. So how can you solve this issue? Update your profile as often as you can, provide valuable information and follow people as well. Remember that to become a leader, you have to be a follower first. Do #7: Quantity vs. Quality While in Twitter, be cautious about getting quality contacts more than the quantity. You may have thousands of people in your list but if they don't share your interests and don't understand the things you do, you're better off with only a fewer number of followers who are more interested in you and your endeavors. The numbers won't count much if you're not achieving your twittering goals. Don't forget to follow me on twitter too!: www.followwendy.com By Wendy Moore Copyright 2009 Savvy Web Women Pty Ltd WANT TO USE THIS ARTICLE? You can, as long as you include the following: Wendy Moore is founder of www.affluencia.com and creator of the Savvy Web Secrets Mentoring Program - the step-by-step, hold your hand program that gives you the tools and confidence to leverage what you know in business and create clicks and cash online. To receive your F.R.E.E. Special Report and weekly how-to articles to expand your online toolkit, visit www.savvywebwomen.com. Five Minutes with... Leanne Watson from Your Successful Mind Question 1 What has been your biggest challenge in business and how did you overcome it? My biggest challenge has been being too independent and thinking I had to do it all. What I've realised is others like to help as much as I do so now I ask questions and ask for help and it's been a very heartwarming experience. Question 2 If you had to start your business again from scratch, what would you do differently? Realising that my business is internet marketing and having an internet marketing coach would have made the biggest difference. Question 3 Who do you admire and why? I admire people who are happy with who they are and still committed to growing and learning. People who've overcome their circumstances and have achieved their goals at the same time maintaining their relationships. I admire Nick Vujicic and in particular the parents who raised him, who has against all odds with no arms and no legs from birth, made an incredible life for himself and now teaches others how to do the same. I admire people like Trisha Broadbridge who are able to turn a tragedy into a positive. I admire Paul Newman and Joanne Woodward who against all odds for Hollywood relationships maintained their married life through thick and thin. They did what they did really well and achieved great recognition in their field. They then used that notoriety to the benefit others hugely. I admire Janine Allis who built Boost while being married and with children. I admire Joanna Martin who has applied herself to learning and challenges herself to be the best she can be and maintains her relationship at the same time. Question 4 It takes a lot of determination and dedication to succeed in business. What keeps you motivated?The thought that in some way be it ever so small that I can make a difference in other people's lives and as a result of that, the world around me. My children and the support of my man help keep me on track. Question 5 What are your 3 biggest success tips? Surround yourself with people who hold you firmly and supportively accountable. Find the benefit in everything that happens and be grateful for everything ... get yourself to the point where you can be excited by the things that go wrong because you understand that you were given that challenge as a lesson to prepare you for the wonderful things that are about to happen. Look for the synchronicity in life, the more times you see it the more it happens becoming a self-fulfilling prophecy ... and then it feels like magic. Tell us about Leanne... Leanne Watson, founder of Your Successful Mind an organisation dedicated to supporting busy people to take control of their minds in order to create the happy fulfilling and successful lives they deserve. She creates and sources products, events and resources to support people to find inside themselves the power to create the life of their dreams.For more about Leanne, visit www.yoursuccessfulmind.com Are you a Successful Sister? Each week, we'll spend five minutes with a successful sister. Like to be considered to share your story? Let us know by emailingcontact@affluencia.com Need A Speaker Would You Like Wendy To Speak Live at Your Next Event or Be a Teleseminar Guest? Her presentations and workshops are ideal for anyone looking to get started investing in real estate or discover the tools and techniques to successfully invest in property. Send an email to contact@savvywebwomen.com if you'd like to book her. Where is Wendy Speaking Next? Melbourne Productivity Coaching Club - Tuesday 9th June - teleseminar Infusion Networking - Sunday 14th June - half day internet workshop The Winners Circle - Monday 15th June - Essentially for Women The Red Tent Woman - Wednesday 15 July - Understanding Social Media SydneyInfusion Networking - Wednesday 3rd June Accelerate in Business - Friday 14th - Sunday 16th August Quick Links Visit the Savvy Web Women Blog Register for our F.R.E.E. monthly teleseminar Attend the next Savvy Web Women Event Discover my Savvy Web Secrets About Wendy Wendy Moore is founder of www.savvywebwomen.com and www.affluencia.com and committed to showing women everywhere how to get online. If you liked today's issue, you'll love Wendy's products and coaching programs to help you build confidence and add the necessary tools and techniques to get your business online. Wendy made it to the very top of the corporate IT world, managing multi-million dollar budgets, before gut-wrenching stress demanded she reappraise her life and follow her true passion. Wendy now educates, empowers and inspires others and says, It's all about education and gaining from other's experiences. I'm passionate about helping women get off the trading time for money treadmill and become financially independent. If you could make money without seeing a single client, how would getting your time back change your life? You can learn more about Wendy and her courses, programs and products at her website, www.savvywebwomen.com Manage your Subscription You may absolutely share this newsletter with people you think may enjoy it. When doing so, please forward it in its entirety, including our contact and copyright information. Thanks and enjoy! Savvy Web Women Newsletter is written by Wendy Moore. If you have any questions or comments, please send them to: contact@savvywebwomen.com SavvyWebWomen.com, GPO Box 2000, Melbourne Vic Australia 3001 Tel: 61 (3) 9686 2288 Fax: 61 (3) 9682 4010 Email: info@savvywebwomen.com Copyright 2009 Savvy Web Women Pty Ltd. All rights reserved. You are on our list because you visited one of our websites. To change your subscription, see link below. Disclaimer: This newsletter is not intended to be a substitute for investment or professional advice. It is a broad discussion to provide a general understanding. Before acting, you should seek specific professional advice for your unique situation. Join our Mailing List to receive a bonus Gift valued at $97 with our complimentsThu, 28 May 2009 09:55:10 -0400http://archive.aweber.com/affluencia/1BuVh/h/_Affluencia_The_forgotten_costs.htm Back to Articles Having trouble viewing this newsletter? View online In this issue Join Our End of Financial Year Sale! Details here. Wendy's Week Events and Teleseminars Wendy Recommends Feature Article: Upfront Investing costs Five Minutes with... Need a speaker Quick Links About Wendy Manage your Subscription Wendy's WeekI've just come back from much needed week in Palm Cove with Brendan Nichols. I'm part of his Wealth Mastermind Club and we all had some amazing breakthroughs across the weekend. I'm really looking forward to the next get together and encourage you to touch base with your favourite mentor on a regular basis. Next, I'm off to Sydney on Wednesday speaking at the Infusion event - How to Become Web Savvy - 3 Keys to Internet Success. If you are based in Sydney and are a woman in small business, make sure you book your seat as it is going to be a fun night. Early bird pricing ends at COB today. We are in the final throws of dragging our South Melbourne property purchase over the settlement line. We've had HUGE delays with the bank getting their paperwork sorted but have all our fingers, toes and everything else crossed right now. Stay tuned. Until next week, happy investing! Wendy Moore Showing women how to get started in property PS: Stop Climate Chaos Events and Teleseminars How to Achieve a Better Sale Price using Home Staging Register here for our F.R.E.E. May Monthly Teleseminar Wendy Lacey from Colour Sense and Style will joining us to share her tips and strategies for successfully staging a home for sale. To listen in live to this f.r.e.e. teleseminar, just register here.Become a Savvy Web Woman! Do you run a service based Small Business? Would you like to discover how to attract new clients or even just how to better monetize your existing clients? Join us at the Savvy Web Women event. Limited VIP tickets now on sale. Wendy Recommends Massive End of Financial Year Clearance Sale - 60% off! With the end of the financial year fast approaching, now is a great time to grab hold of an investing bargain! Join in the Affluencia Stocktake Sale! All Affluencia CDs and DVDs have been slashed to clear to make way for new stock. We're giving you a massive 60% off all Affluencia CDs and DVDs until 30 June 2009. Make sure your use Coupon Code 2009SALE when you check out. See what's available and find out more here. Feature Article Upfront Costs of Investing in Real Estate Can you still invest in real estate even with little money on hand? The answer is yes, you can. If you've got a good credit rating, are employed or operating a business and someone who knows how to manage finances well, then you have every chance to get started in property investing. First, you need to evaluate your financial capability. Decide whether you will use a some of your own personal funds in the deal, how much is required and whether you will need additional finance to fully support the real estate project you are about to start. Researching the costs involved in purchasing a property is key. Check the internet and visit property investing sites that cover the areas you wish to purchase in. Purchasing costs can be estimated at five percent of the total purchase price. This may include legal fees, mortgage application fees, stamp duty and other taxes for the property. The amount, however, can differ depending on the state where the property is located and the total value of the property. So what are some of the other upfront costs that you have to keep in mind? Deposit. Depending on where you buy, some vendors request up to 10 percent deposit of the total loan value upon the signing of the contract. Insurance. Once you sign a contract to purchase, you need to arrange an insurance cover note for the property until settlement then full insurance will be required. Taxes. Purchasing a property always involves payment of certain taxes. a. Goods and services tax or GST may be applicable to some property purchases and, in Australia, is pegged at a flat rate of 10 percent. b. Stamp duty is a state tax covered in different transactions including the purchase of real estate. This can either be on a fixed rate or on an increasing scale. The total value of the property is considered in calculating the stamp duty. c. Land tax may be payable and refers to a state tax that is charged yearly to land owners. It is based on land ownership or land usage in some states. The tax is charged on the total unimproved land value at a specific date. The rates and thresholds may vary from one state to another. Consulting a real estate lawyer is your best option when it concerns investment costs. By Wendy Moore Copyright 2009 Affluencia Pty Ltd WANT TO USE THIS ARTICLE? You can, as long as you include the following: Wendy Moore is founder of www.affluencia.com and creator of the Get Started in Property Mentoring Program - the step-by-step, hold your hand program that gives you the tools and confidence to take your first step on the property investing ladder so you can live a life you love. To receive your F.R.E.E. Special Report and weekly how-to articles to expand your property investing toolkit, visit www.affluencia.com. Five Minutes with... Tessa Jetson of TessaJetson.com Question 1 What has been your biggest challenge in business and how did you overcome it? My biggest challenge was with the technical side of things which was not my specialty. Question 2 If you had to start your business again from scratch, what would you do differently? I would go directly to an expert to help me set up the back end side of my business; this is why I am thrilled about what you have set up withSavvy Web Women as it's really a needed service. Question 3 Who do you admire and why? Oprah Winfrey because she is powerful and wealthy but also very caring and makes a difference, this is important to me, I believe the more successful I become the more I can help others and my family, and I know I can impact and inspire more women. Lead by example is my motto. Question 4 It takes a lot of determination and dedication to succeed in business. What keeps you motivated? I focus only on the long term vision and that is living an abundant, happy stress free life with my family. I know that it takes hard work to get there so I just do it with excitement about the future. And when things get in your way and they do I say I am being tested and keep moving forward. Question 5 What are your 3 biggest success tips? 1. Be excited and passionate around people, say thank and smile, positive energy is so important as people will want to be around you. 2. Do not stop till you finish a job you start (which is not procrastinating) don't get side tracked by the little things that don't make an impact on your business. I make a list every night and make sure I get through that list before anything else. 3. Believe 100% that you can be successful in your business and only focus on the end result and do not stop till you achevice that. Tell us about Tessa... I run seminars called Dare to Dream to help motivate women to live their dreams. I cover, goals, procrastination, thinking positive, self esteem, confidence and finding the dreams inside that you left behind. I have come from having nothing, I ended up in a women's refuge with three little children under 5 and I no tertiary education, no home, furniture or car. I worked really hard to give my children a good life so I ended up running a business and buying a nice home and properties. Today I have a foundation and sell CDs to raise funds for women. I wanted to share with women how I was able to overcome anxiety, depression and many other things to be successful in business and life. I believe it is so important for women to be leaders for their children to follow. For more about Tessa visit www.tessajetson.com Are you a Successful Sister? Each week, we'll spend five minutes with a successful sister. Like to be considered to share your story? Let us know by emailingcontact@affluencia.com Need A Speaker Would You Like Wendy To Speak Live at Your Next Event or Be a Teleseminar Guest? Her presentations and workshops are ideal for anyone looking to get started investing in real estate or discover the tools and techniques to successfully invest in property. Send an email to contact@affluencia.com if you'd like to book her. Where is Wendy Speaking Next? Melbourne Productivity Coaching Club - Tuesday 9th June - teleseminar Infusion Networking - Sunday 14th June - half day internet workshop The Winners Circle - Monday 15th June - Essentially for Women The Red Tent Woman - Wednesday 15 July - Understanding Social Media SydneyInfusion Networking - Wednesday 3rd June Accelerate in Business - Friday 14th - Sunday 16th August Quick Links Visit the Affluencia Blog Post (it's f.r.e.e!) on the Get Started in Property Forum Register for our F.R.E.E. monthly teleseminar Attend the next Affluencia Event About Wendy Wendy Moore is founder of www.affluencia.com and committed to showing women everywhere how to get started in property. If you liked today's issue, you'll love Wendy's products and coaching programs to help you build confidence and add the necessary tools and techniques to your property investing toolkit so you too can live a life you love. Wendy made it to the very top of the corporate IT world, managing multi-million dollar budgets, before gut-wrenching stress demanded she reappraise her life and follow her true passion: property investing. Wendy now educates, empowers and inspires others and says, It's all about education and gaining from other's experiences. I'm passionate about helping women become financially independent through investing in property. You can learn more about Wendy and her courses, programs and products at her website, www.affluencia.com Manage your Subscription You may absolutely share this newsletter with people you think may enjoy it. When doing so, please forward it in its entirety, including our contact and copyright information. Thanks and enjoy! Affluencia Newsletter is written by Wendy Moore. If you have any questions or comments, please send them to: contact@affluencia.com Affluencia.com, GPO Box 2000, Melbourne Vic Australia 3001 Tel: 61 (3) 9686 2288 Fax: 61 (3) 9682 4010 Email: info@affluencia.com Copyright 2009 Affluencia Pty Ltd. All rights reserved. You are on our list because you visited one of our websites. To change your subscription, see link below. Disclaimer: This newsletter is not intended to be a substitute for investment or professional advice. It is a broad discussion to provide a general understanding. Before acting, you should seek specific professional advice for your unique situation. Join our Mailing List to receive a bonus eBook valued at $47 with our compliments Thu, 28 May 2009 01:41:13 -0400