I am such a passionate Collingwood supporter but the game against Geelong on Saturday night hit me where it hurt.
There are a number of players that either need to leave or pumped up.
I don’t think there is one Collingwood player that actually looks solid; most of them are young and skinny. Top players like Leon, Cloke, Didak, Thomas all went to sleep when the pressure was put on the team.
Where is the leadership and the player that can turn the game around?
The only time I ever seen it at Collingwood was right before Buckley retired; he would come on to the ground and create opportunity and direct players.
At the moment they are under the Captain of Maxwell but I personally feel a capital must be the one creating all the scores and leading the group. A backman doesn’t have the same effect, it’s like we will look for defence than just get the ball down to me in the forward line like, Barry Hall, Jonathan Brown etc..
The amount of times player just kicked a high ball into the forward line with no result was just stupidity. And how Mathouse didn’t say anything about it was just as stupid. We have no players that can mark in a pack and you know even 70% or even 60% they will catch the ball. We just have the very players to have that strength.
I honestly can’t see Collingwood win a premership until they find someone that can take that responsibility. At the moment they are basically an underdog always fighting to beat the big boys.
Malthouse needs to go, and players like Rocca who once in a blue moon makes a difference. Yes we do have a good up coming young team but I feel there is no strong leadership.
They need to trade or look for that person that can take that stand, I hope it's with-in the team but no-one has stood up to show it, I guess it doesn’t happen over night but may he be out there wanting to come to Collingwood.
Sunday, September 20, 2009
Wednesday, September 16, 2009
Gold Coast Living is great
I would have to say it is one of the best places to live and if you are thinking of investing in property here is a word of advice, only invest in houses here.
I believe the only people making money on the Units are the Developers, Real Estate agents and Govt with the Stamp Duty. Oh I forgot also the Property Mangers and Body Corporate.
I remember a few years ago before the Q1 was built.
A client of mine wanted to invest in a unit that was going to cost around the 1 million mark, I said to her that she would be better of investing in 3 normal house and land properties. Because when you’re investing into 1 Million dollar property, your only dealing with a minority of people that can actually afford to rent out that unit.
As the story goes, a year later the client rang me and said she should listen to me as they weren’t getting anything near the rent they were supposed to get and the value had already dropped in price.
The Gold Coast is such a beautiful place but sometimes it's so beautiful that people lose focus and make some silly decisions. So when ever you want to do something on the Gold Coast make sure you talk to the locals as they will give you the behind the scene news.
There are some properties on the Gold Coast the agents will only sell to people from Interstate, why, because they are blind and not knowing what is happening in the area, I'll give an example.
Florida Garden is in Broadbeach, but there are some areas that are right across the road from Thousands of Bats, and as you know they sleep during the day but as night approaches you see them flying of and the noise is crazy, not to mention the small they have when you have the wind blowing in the right direction.
I was looking at a property their and asked the Agent about the Bats and he said yes they are a problem and Interstate people will buy that property anyway because they don’t know about the Bats.
If your thinking of investing or buying a home on the Gold Coast, it will be one of the best moves you have ever made but make sure you ask someone like myself questions on where you want to live so I can direct you in the right direction.
Here is a video I have put together where you can see the changes from Gold Coast used to be till now.
Click here to view it now
Kind Regards
Dino Livanidis
www.npis.com.au
Tuesday, September 15, 2009
Patrick Swayze a guy that brought "Dido" and Dirty Dancing
You know when ever we hear of people passing on it's so hard to think that they can die as we do, for some unknown reason we feel that they will last forever.
Patrick Swayze had a great life with bringing us joy and sadness in many of his movies. You mention "Ghosts" and the song "Unchained Melody" and you remember love and romance of a couple embracing or as soon as you hear "Lumbada" its Patrick Swayze doing his moves on the dance floor.
There is one thing that all of us must remember, our health, it's the most important thing we must take care of full time...Not that I listen to my own advise all the time. As I get older I find it much harder to get out and be motivated to run and spend time in the gym. Where deep inside I know I need to do it, but I can't justify spending time doing these type of things where I would prefer to be working or with my family. It's one or the other, many may say I am wrong and I know it but I guess it's easier not to do it than doing it.
But I also know how to get back to being motivated to exercise, get competitive, do something you love and join a competition, now you have a reason to get out there and watch what you eat and making sure you exercise.
Before I got into property development and renovations I was a professional dancer and I remember my golden rule was train no less that 5 days and no more than 6. My diet was so strict that I was only allowed to eat one piece of pizza maximum of 1 per week. But I had a reason to do it and you could tell from the audience response when you knew guys were taking care of themselves and who wasn’t, the audience tells you straight away.
Anyway my sport is Tennis and since we have moved to the Gold Coast I have spent more time in my business than exercising.
If anyone reading this lives on the Gold Coast please let me know so we can catch up for a session.
Oh yeh, to the Swayze family I know what you must be going through but remember one thing, at least Patrick is with God now and all the pain he held for so long is all gone, they say the only sad ones are the people they have left behind, Patrick’s soul is happy and with all our loved ones next to God.
I pray for the health of everyone left on earth.
Patrick Swayze had a great life with bringing us joy and sadness in many of his movies. You mention "Ghosts" and the song "Unchained Melody" and you remember love and romance of a couple embracing or as soon as you hear "Lumbada" its Patrick Swayze doing his moves on the dance floor.
There is one thing that all of us must remember, our health, it's the most important thing we must take care of full time...Not that I listen to my own advise all the time. As I get older I find it much harder to get out and be motivated to run and spend time in the gym. Where deep inside I know I need to do it, but I can't justify spending time doing these type of things where I would prefer to be working or with my family. It's one or the other, many may say I am wrong and I know it but I guess it's easier not to do it than doing it.
But I also know how to get back to being motivated to exercise, get competitive, do something you love and join a competition, now you have a reason to get out there and watch what you eat and making sure you exercise.
Before I got into property development and renovations I was a professional dancer and I remember my golden rule was train no less that 5 days and no more than 6. My diet was so strict that I was only allowed to eat one piece of pizza maximum of 1 per week. But I had a reason to do it and you could tell from the audience response when you knew guys were taking care of themselves and who wasn’t, the audience tells you straight away.
Anyway my sport is Tennis and since we have moved to the Gold Coast I have spent more time in my business than exercising.
If anyone reading this lives on the Gold Coast please let me know so we can catch up for a session.
Oh yeh, to the Swayze family I know what you must be going through but remember one thing, at least Patrick is with God now and all the pain he held for so long is all gone, they say the only sad ones are the people they have left behind, Patrick’s soul is happy and with all our loved ones next to God.
I pray for the health of everyone left on earth.
Monday, September 14, 2009
Do you invest in property now? Dino Livanidis answers the question.
I have received so many emails from people asking,
"Dino is now is a good time to invest in property"?
But they have it all wrong, you see it all comes back to your frame of mind and what your cashflow
allows you to do. Investing in property is a simple and easy step to take if you have the helping hand.
Interest rates are right, rentals are high and property prices are at a reality stage, why wouldnt you invest in property now?
I have always told clients to sit down with some-one that knows the figures about property investment
and to run an cashflow on it going by your income to see if your financial situation allows you to invest.
I normally spend 1.5 -2 hours with each client just find out where they stand and what property can do for them.
Do you know what your doing when your investing in Property?
YOUR CREATING AN ON-GOING INCOME FOR THE REST OF YOUR LIVES!
Investing in property is a long term investment and should never be considered a short term investment.
You hold it for the long term so you can gain for the capital growth.
The only way to predict your future is to invent it, it's up to you.
Thats why at NPIS we help people every step of the way from the first to placing a tenant.
"Dino is now is a good time to invest in property"?
But they have it all wrong, you see it all comes back to your frame of mind and what your cashflow
allows you to do. Investing in property is a simple and easy step to take if you have the helping hand.
Interest rates are right, rentals are high and property prices are at a reality stage, why wouldnt you invest in property now?
I have always told clients to sit down with some-one that knows the figures about property investment
and to run an cashflow on it going by your income to see if your financial situation allows you to invest.
I normally spend 1.5 -2 hours with each client just find out where they stand and what property can do for them.
Do you know what your doing when your investing in Property?
YOUR CREATING AN ON-GOING INCOME FOR THE REST OF YOUR LIVES!
Investing in property is a long term investment and should never be considered a short term investment.
You hold it for the long term so you can gain for the capital growth.
The only way to predict your future is to invent it, it's up to you.
Thats why at NPIS we help people every step of the way from the first to placing a tenant.
Dino Livanidis and Brett Fuley discuss investing in Thailand - Pattaya
Bret Fuley- When is it the right time to invest Dino?
Dino Livanidis - I guess people are always trying to figure out when the right time to invest, but they over look some of the main reasons why you do invest.
Bret- What do you mean by that?
Dino Livanidis - Everyones position changes all the time and you really must consider what will best suit your personal cashflow and look at your long term goals. There is no reason trying to get into an investment if your cashflow doesnt allow you to do it.
Bret- So what your saying is people should look at their cashflow first and see how much is left over?
Dino Livanidis - Yes that is right. I have always had my clients sit with a financier first before looking at investing, because the financier will be able to determine what they can and cannot do.
Bret - But there are many finaciers that get people into property that they cannot afford.
Dino Livanidis - Good point Bret, and I know many people being in a position like that and at the end losing everything they had. I have met many financiers who tell me that they can do that and this and I know straight away they their not the type of financiers I would recommend to my clients. It's great to be creative in finance but only to help the client and not for the financiers sake.
Bret- Youre actualy telling me that financiers do it for their sake and not the clients.
Dino Livanidis - Well some clients are non-educated in the finance area and on the surface it looks like they can afford a investment property but they have left no room for interest rate increase or what happens if they dont have a tenant how do they cover the mortgage payments.
Bret- So what exactly do you recommend clients to do?
Dino Livanidis- Firstly you need to see a financier that will work to your advantage and work with you. Generally you can find them if you ask a friend or even ask us we will be able to put you on a few financiers that will help you.
I have sat with clients and sadly had to tell them that investing in property is not for them at the moment.
Bret - How do you determine that?
Dino Livanidis - Their cashflow and just talking to clients and reviewing their position it doesnt take long to work it out. They may have the best intentions but sometimes you need to work on the foundation before taking that next step.
Bret - What about people getting personal loans for a deposit, do you recommend that?
Dino Livanidis - Bret, it all comes back to what these people can afford, if there on a great income as sometimes that get a promotion to a higher paying job but dont have the deposit, yes they can do it, but for a person who is living day by day on what he brings in, they do need to be carful.
Bret - In simple terms Dino, what do you think the greatest advantage is when investing?
Dino Livanidis - Greatest Advantage......There are a few but the best one that I can come up with is creating an on going income for the rest of your life. People are actually creating a business that will give them a income for the rest of their lives.
Bret - But it's not really an income straight away is it, because you have to cover the shortfall.
Dino Livanidis - Yes you are right but you are starting to create an income and the other huge advantage is... Leverage, people are using the banks money and when the property increases in valve who makes the profit the bank or you?
Bret - You do.
Dino Livanidis - Thats right.... You see property investment is not a get rich quick scheme and I know many that have made a huge amount of money through investing in property but property investment is a long term investment.
Bret - How long?
Dino Livanidis - I guess it all depend where you invest Bret, if you invested in a low growth area well you know it will take longer to create the income I am talking about.
Bret - Then how does it all work?
Dino Livanidis - Ok, Lets say you invested in a good steady capital growth area.
Bret - Ok.
Dino Livanidis - Now property has doubled every 7-10 years depending on where you invest. I know properties that have trippled in 10 years and I also know properties that havnt doubled.
Bret - That understandable.
Dino Livanidis - Right, so lets say we invest just for capital growth.
Bret - How do you guys select these areas.
Dino Livanidis - Well I have property specialists and ever day of the week looking for these areas and they know what is happening in the areas between Brisbane and the Gold Coast and can show my clients why and how the growth will come from.
Bret - Ok, please continue
Dino Livanidis - So lets say 10 years ago you invested in a property around the $300k mark, going by our example it should be worth today $600k right.
Bret - Right.
Dino Livanidis - And lets say you purchased your second investment 2 years after your 1st investment for $350k and another one 3 years later for $400.
Bret - yes.
Dino Livanidis - Well lets say they were all worth $600k each.
Bret - Thats 1.8 mil
Dino Livanidis - Exactly, but now lets say you wanted to retire and just live on the rental income.
Bret - Yeh, but you still owe money to the bank that needs to be paid.
Dino Livanidis - Ok so let look at 2 senarios. 1- Holding them and 2 selling enough to pay back the mortgage.
Bret - Sound interesting, please go on.
Dino Livanidis- So if you help onto the properties, your mortgage would be around $1.1 mil dollars and lets say an interest rate of only 7.5%, that would mean your yearly interest would be approx -$82,500 and weekly approx $1,586.
Bret - But what would your rental be?
Dino Livanidis - Well lets say we were getting 5% rental which is the average rental return in Australia.
Bret - Thats fair.
Dino Livanidis- So, your rental return on the 3 properties would be $55,000 leaving you a shortfall of $27,500 approx $528 per week.
Bret - You couldnt do it.
Dino Livanidis- You see if your were employed you would get half of it back on taxation meaning your out of pocket would be $260 per week approx.
Bret - Thats better.
Dino Livanidis - Well we havnt taken into consideration your running expenses, but lets not go there as yet. So if you were to retire option 2 would be to sell off any investment you had and making sure you sold the one with the least amount of capital gains first.
Bret - Why is that?
Dino Livanidis- Well then you pay the least amount of Capital Gain Tax.
Bret - Smart.
Dino Livanidis - And you sell when?
Bret - I dont know?
Dino Livanidis - When you retire and you dont earn an income from employment.
Bret - This sounds interesting, I like it.
Dino Livanidis - So if you held the 3 properties we said our debt would be $1.1mil, so why dont we sell the 2 last investments, which we can sell for $1.2mil and pay the banks its money, pay our capital gains tax and have 1 investment fully paid for and live off the rent for the rest of your life.
Bret - Interesting, you know I have never looked at property investment like that at all.
Dino Livanidis - Thats if you only invested in 3 properties, imagine you invested in 5-8 investments and held them for a longher period?
Bret - I can imagine.
Part 2 to be continued......
Dino Livanidis - I guess people are always trying to figure out when the right time to invest, but they over look some of the main reasons why you do invest.
Bret- What do you mean by that?
Dino Livanidis - Everyones position changes all the time and you really must consider what will best suit your personal cashflow and look at your long term goals. There is no reason trying to get into an investment if your cashflow doesnt allow you to do it.
Bret- So what your saying is people should look at their cashflow first and see how much is left over?
Dino Livanidis - Yes that is right. I have always had my clients sit with a financier first before looking at investing, because the financier will be able to determine what they can and cannot do.
Bret - But there are many finaciers that get people into property that they cannot afford.
Dino Livanidis - Good point Bret, and I know many people being in a position like that and at the end losing everything they had. I have met many financiers who tell me that they can do that and this and I know straight away they their not the type of financiers I would recommend to my clients. It's great to be creative in finance but only to help the client and not for the financiers sake.
Bret- Youre actualy telling me that financiers do it for their sake and not the clients.
Dino Livanidis - Well some clients are non-educated in the finance area and on the surface it looks like they can afford a investment property but they have left no room for interest rate increase or what happens if they dont have a tenant how do they cover the mortgage payments.
Bret- So what exactly do you recommend clients to do?
Dino Livanidis- Firstly you need to see a financier that will work to your advantage and work with you. Generally you can find them if you ask a friend or even ask us we will be able to put you on a few financiers that will help you.
I have sat with clients and sadly had to tell them that investing in property is not for them at the moment.
Bret - How do you determine that?
Dino Livanidis - Their cashflow and just talking to clients and reviewing their position it doesnt take long to work it out. They may have the best intentions but sometimes you need to work on the foundation before taking that next step.
Bret - What about people getting personal loans for a deposit, do you recommend that?
Dino Livanidis - Bret, it all comes back to what these people can afford, if there on a great income as sometimes that get a promotion to a higher paying job but dont have the deposit, yes they can do it, but for a person who is living day by day on what he brings in, they do need to be carful.
Bret - In simple terms Dino, what do you think the greatest advantage is when investing?
Dino Livanidis - Greatest Advantage......There are a few but the best one that I can come up with is creating an on going income for the rest of your life. People are actually creating a business that will give them a income for the rest of their lives.
Bret - But it's not really an income straight away is it, because you have to cover the shortfall.
Dino Livanidis - Yes you are right but you are starting to create an income and the other huge advantage is... Leverage, people are using the banks money and when the property increases in valve who makes the profit the bank or you?
Bret - You do.
Dino Livanidis - Thats right.... You see property investment is not a get rich quick scheme and I know many that have made a huge amount of money through investing in property but property investment is a long term investment.
Bret - How long?
Dino Livanidis - I guess it all depend where you invest Bret, if you invested in a low growth area well you know it will take longer to create the income I am talking about.
Bret - Then how does it all work?
Dino Livanidis - Ok, Lets say you invested in a good steady capital growth area.
Bret - Ok.
Dino Livanidis - Now property has doubled every 7-10 years depending on where you invest. I know properties that have trippled in 10 years and I also know properties that havnt doubled.
Bret - That understandable.
Dino Livanidis - Right, so lets say we invest just for capital growth.
Bret - How do you guys select these areas.
Dino Livanidis - Well I have property specialists and ever day of the week looking for these areas and they know what is happening in the areas between Brisbane and the Gold Coast and can show my clients why and how the growth will come from.
Bret - Ok, please continue
Dino Livanidis - So lets say 10 years ago you invested in a property around the $300k mark, going by our example it should be worth today $600k right.
Bret - Right.
Dino Livanidis - And lets say you purchased your second investment 2 years after your 1st investment for $350k and another one 3 years later for $400.
Bret - yes.
Dino Livanidis - Well lets say they were all worth $600k each.
Bret - Thats 1.8 mil
Dino Livanidis - Exactly, but now lets say you wanted to retire and just live on the rental income.
Bret - Yeh, but you still owe money to the bank that needs to be paid.
Dino Livanidis - Ok so let look at 2 senarios. 1- Holding them and 2 selling enough to pay back the mortgage.
Bret - Sound interesting, please go on.
Dino Livanidis- So if you help onto the properties, your mortgage would be around $1.1 mil dollars and lets say an interest rate of only 7.5%, that would mean your yearly interest would be approx -$82,500 and weekly approx $1,586.
Bret - But what would your rental be?
Dino Livanidis - Well lets say we were getting 5% rental which is the average rental return in Australia.
Bret - Thats fair.
Dino Livanidis- So, your rental return on the 3 properties would be $55,000 leaving you a shortfall of $27,500 approx $528 per week.
Bret - You couldnt do it.
Dino Livanidis- You see if your were employed you would get half of it back on taxation meaning your out of pocket would be $260 per week approx.
Bret - Thats better.
Dino Livanidis - Well we havnt taken into consideration your running expenses, but lets not go there as yet. So if you were to retire option 2 would be to sell off any investment you had and making sure you sold the one with the least amount of capital gains first.
Bret - Why is that?
Dino Livanidis- Well then you pay the least amount of Capital Gain Tax.
Bret - Smart.
Dino Livanidis - And you sell when?
Bret - I dont know?
Dino Livanidis - When you retire and you dont earn an income from employment.
Bret - This sounds interesting, I like it.
Dino Livanidis - So if you held the 3 properties we said our debt would be $1.1mil, so why dont we sell the 2 last investments, which we can sell for $1.2mil and pay the banks its money, pay our capital gains tax and have 1 investment fully paid for and live off the rent for the rest of your life.
Bret - Interesting, you know I have never looked at property investment like that at all.
Dino Livanidis - Thats if you only invested in 3 properties, imagine you invested in 5-8 investments and held them for a longher period?
Bret - I can imagine.
Part 2 to be continued......
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