Merry Christmas!

As always, check us out on our website and socials below:

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Instagram: @pafopod

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Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

Braedan runs us through some of the things to consider when pricing your rental other than just "other rentals in the area".

As property investors what can a letting agent do for you? Where can they add value to your real estate portfolio? And how can they save/earn you a packet!

Make sure you check out Braedan's YouTube channel:

https://www.youtube.com/channel/UCaTAnmcyh9P2htRTpFIz9Bw

You can get in touch with Braedan using any of the following methods:

Email: inspect@ashbypartners.com.au

Phone: 0408 240 044

https://www.linkedin.com/in/braedankidd/

As always, check us out on our website and socials below:

https://pafo.com.au/

Instagram: @pafopod

Facebook: https://www.facebook.com/pafopod/

Twitter: https://twitter.com/pafopod

Youtube: https://www.youtube.com/channel/UCj_6mrKV2WzVCQmjyn-jrhQ

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

Areas of specialisation in agribusiness include, vineyards, wineries, almonds, horticulture, dairies, pastoral stations, aquaculture and grazing.

Jason and Knight Frank provide strategic advice for the purchase and disposal of assets, superannuation and taxation reporting together with annual financial reporting.

You can get in touch with Jason using any of the links below:

www.knightfrank.com.au/property-valuation/agribusiness

 or on LinkedIn at: https://au.linkedin.com/in/jason-oster-agribusiness-8a6a3725

Mobile: 0419 310 687

Email: jason.oster@au.knightfrank.com

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

https://twitter.com/pafopod

https://www.youtube.com/channel/UCj_6mrKV2WzVCQmjyn-jrhQ

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

You can get in touch with Craig via phone or email below:

https://casaccountants.com.au/

Ph: (03) 9553 3800

Email: admin@casaccountants.com.au

As always, check us out on our website and socials below:

https://pafo.com.au/

Instagram: @pafopod

Facebook: https://www.facebook.com/pafopod/

Twitter: https://twitter.com/pafopod

Youtube: https://www.youtube.com/channel/UCj_6mrKV2WzVCQmjyn-jrhQ

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

You can get in touch with Mark using any of the links below:

If you would like to know more about Examine Property: https://calnanflack.com/examine-property/

If you would like to talk to Examine Property: https://calnanflack.com/contact-examine-property/

https://www.instagram.com/examineproperty/

 https://www.facebook.com/pg/ExamineProperty/posts/?ref=page_internal

 or on LinkedIn at: https://www.linkedin.com/in/mark-williams-9440299a/

Mobile: 0419 310 687

Email: mark@examineproperty.com.au

You can find more from us and get in touch with us here:

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https://www.facebook.com/pafopod

https://twitter.com/pafopod

https://www.youtube.com/channel/UCj_6mrKV2WzVCQmjyn-jrhQ

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

You can get in touch with Rory by using any of the below links:

Phone: 1300 721 631

Web: https://ownhomeloans.com.au/

Instagram: @ownhomeloans

Facebook: https://www.facebook.com/ownhomeloans/

LinkedIn: https://www.linkedin.com/in/rory-sercombe/

As always, check us out on our website and socials below:

https://pafo.com.au/

Instagram: @pafopod

Facebook: https://www.facebook.com/pafopod/

Twitter: https://twitter.com/pafopod

Youtube: https://www.youtube.com/channel/UCj_6mrKV2WzVCQmjyn-jrhQ

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

You can get in touch with Victor via the below links:

https://www.victorchurchilldale.com.au/

You can find more from us and get in touch with us here:

https://www.youtube.com/c/CalnanFlack

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

https://twitter.com/pafopod

https://www.youtube.com/channel/UCj_6mrKV2WzVCQmjyn-jrhQ

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

You can get in touch with Braedan using any of the following methods:

Email: inspect@ashbypartners.com.au

Phone: 0408 240 044

LinkedIn: https://www.linkedin.com/in/braedankidd/

YouTube: www.youtube.com/channel/UCaTAnmcyh9P2htRTpFIz9Bw

You can find more from us and get in touch with us here:

https://www.youtube.com/c/CalnanFlack

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

https://twitter.com/pafopod

https://www.youtube.com/channel/UCj_6mrKV2WzVCQmjyn-jrhQ

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

You can get in touch with John via the below links:

https://www.sarlinesbooks.com.au/

http://www.wilsonvineyard.com.au/

You can find more from us and get in touch with us here:

https://www.youtube.com/c/CalnanFlack

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

https://twitter.com/pafopod

https://www.youtube.com/channel/UCj_6mrKV2WzVCQmjyn-jrhQ

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

You can find more from us and get in touch with us here:

https://www.youtube.com/c/CalnanFlack

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

https://twitter.com/pafopod

https://www.youtube.com/channel/UCj_6mrKV2WzVCQmjyn-jrhQ

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

https://www.youtube.com/c/CalnanFlack

Looking forward to catching up with everybody next week!

You can get in touch with Omar using any of the links below:

https://www.instagram.com/examineproperty/

 https://www.facebook.com/pg/ExamineProperty/posts/?ref=page_internal

 or on LinkedIn at: https://tinyurl.com/yyqjeeuw

If you would like to know more about Examine Property: https://calnanflack.com/examine-property/ If you would to

talk to Examine Property: https://calnanflack.com/contact-examine-property/

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

https://twitter.com/pafopod

https://www.youtube.com/channel/UCj_6mrKV2WzVCQmjyn-jrhQ

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

You can get in touch with Omar using any of the links below:

https://www.instagram.com/examineproperty/

 https://www.facebook.com/pg/ExamineProperty/posts/?ref=page_internal

 or on LinkedIn at: https://tinyurl.com/yyqjeeuw

If you would like to know more about Examine Property: https://calnanflack.com/examine-property/ If you would to

talk to Examine Property: https://calnanflack.com/contact-examine-property/

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

https://twitter.com/pafopod

https://www.youtube.com/channel/UCj_6mrKV2WzVCQmjyn-jrhQ

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

To get in touch with Dane you can use any of the below links:

Dane Pymble

Financial Adviser <AR 323636>

dane.pymble@calnanflack.com

Mobile 0423 229 232

www.calnanflack.com

https://www.youtube.com/c/CalnanFlack

As always, check us out on our website and socials below:

https://pafo.com.au/

Instagram: @pafopod

Facebook: https://www.facebook.com/pafopod/

Twitter: https://twitter.com/pafopod

YouTube: https://www.youtube.com/channel/UCj_6mrKV2WzVCQmjyn-jrhQ

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

If you like today's episode, Neil's book "Tractor Wars" is available for pre-order now via the link below:

https://amzn.to/3hDxTp1 (Released Jan 11th 2022)

Neil's other books can also be found below:

The John Deere Story - https://amzn.to/3tMM5Rt

Lincolns Wrath - https://amzn.to/3nD3E5f

You can get in touch with Neil by using any of the below links:

Twitter: @neil_dahlstrom

Web: https://neildahlstrom.com/

Instagram: https://www.instagram.com/neildahlstrom/

Facebook: https://www.facebook.com/neil.dahlstrom.75

LinkedIn: https://www.linkedin.com/in/neildahlstrom/

As always, check us out on our website and socials below:

https://pafo.com.au/

Instagram: @pafopod

Facebook: https://www.facebook.com/pafopod/

Twitter: https://twitter.com/pafopod

Youtube: https://www.youtube.com/channel/UCj_6mrKV2WzVCQmjyn-jrhQ

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

You can get in touch with Rory by using any of the below links:

Phone: 1300 721 631

Web: https://ownhomeloans.com.au/

Instagram: @ownhomeloans

Facebook: https://www.facebook.com/ownhomeloans/

LinkedIn: https://www.linkedin.com/in/rory-sercombe/

As always, check us out on our website and socials below:

https://pafo.com.au/

Instagram: @pafopod

Facebook: https://www.facebook.com/pafopod/

Twitter: https://twitter.com/pafopod

Youtube: https://www.youtube.com/channel/UCj_6mrKV2WzVCQmjyn-jrhQ

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

You can find more on Carla via the below Links:

Email: carla.diaswadewitz@flinders.edu.au

LinkedIn: https://au.linkedin.com/in/carla-dias-wadewitz-3224202?trk=author_mini-profile_title

Website: www.flinders.edu.au/people/carla.diaswadewitz 

www.flinders.edu.au/study/innovation-enterprise

Youtube: www.youtube.com/watch?v=wnK7XJPaIbY

www.youtube.com/watch?v=2cNtjgap-k8&feature=emb_title

As always, check us out on our website and socials below:

https://pafo.com.au/

Instagram: @pafopod

Facebook: https://www.facebook.com/pafopod/

Twitter: https://twitter.com/pafopod

Youtube: https://www.youtube.com/channel/UCj_6mrKV2WzVCQmjyn-jrhQ

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

You can get in touch with Craig via phone or email below:

https://casaccountants.com.au/

Ph: (03) 9553 3800

Email: admin@casaccountants.com.au

As always, check us out on our website and socials below:

https://pafo.com.au/

Instagram: @pafopod

Facebook: https://www.facebook.com/pafopod/

Twitter: https://twitter.com/pafopod

Youtube: https://www.youtube.com/channel/UCj_6mrKV2WzVCQmjyn-jrhQ

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

Get in touch with us if you're after an easy passage through the real-estate investment market!

To learn more about Sal or to get in touch you can follow the links below:

About Dr. Sal Mercogliano: https://directory.campbell.edu/people/sal-mercogliano/

Twitter: https://twitter.com/mercoglianos

Podcast: https://podcasts.apple.com/us/podcast/the-maritime-history-channel-by-the-north/id1517275525

LinkedIn: https://www.linkedin.com/in/salvatore-mercogliano-ph-d-95437729

As always, check us out on our website and socials below:

https://pafo.com.au/

Instagram: @pafopod

Facebook: https://www.facebook.com/pafopod/

Twitter: https://twitter.com/pafopod

Youtube: https://www.youtube.com/channel/UCj_6mrKV2WzVCQmjyn-jrhQ

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

You can get in touch with Omar using any of the links below:

https://www.instagram.com/examineproperty/

 https://www.facebook.com/pg/ExamineProperty/posts/?ref=page_internal

 or on LinkedIn at: https://tinyurl.com/yyqjeeuw

If you would like to know more about Examine Property: https://calnanflack.com/examine-property/ If you would to

talk to Examine Property: https://calnanflack.com/contact-examine-property/

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

https://twitter.com/pafopod

Get in touch with us if you have seen any out-of-this-world investment opportunities!

To learn more about Annie or to get in touch you can follow the links below:

About Annie Handmer: https://www.sydney.edu.au/science/study/student-experience/annie-handmer.html

Twitter: https://twitter.com/anniehandmer?lang=en

Instagram: www.instagram.com/anniehandmer/?hl=en

LinkedIn: https://au.linkedin.com/in/anniehandmer

Sex on the Moon: https://en.wikipedia.org/wiki/Sex_on_the_Moon

As always, check us out on our website and socials below:

PAFO.com.au

Instagram: @pafopod

Facebook: https://www.facebook.com/pafopod/

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

This exclusive formula defines HOW and WHAT drives property prices. It explains exactly WHY property MUST go up in value.

The formula shown throughout this mini-series will irrefutably define the elements that drive property markets.

In this, Part 6 of our Miniseries “My Formula for Real Estate Profits", Jeremy discusses the concept of the 5 Drivers focusing on the impact Credit has in the value of real estate.

Credit greases the economic wheels that helps facilitate economic growth. But importantly is puts the dynamite under property prices – with booming credit resulting in booming prices.

Lack of available credit will result in investors having less money to pay for assets. Conversely, when credit is freely available, then investors will be flush with cash ready to bid the price of assets up and up.

The ebb and flow of the availability of credit will create a self-fulfilling prophecy where property prices will surge and then be subject to stagnation or decline depending on the availability of credit.

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor.

While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only.

Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.

No part of this production may be reproduced or transmitted in any form or by any means without the prior written permission of the authors. ©Copyright 2021 All Rights Reserved.

This exclusive formula defines HOW and WHAT drives property prices. It explains exactly WHY property MUST go up in value.

The formula shown throughout this mini-series will irrefutably define the elements that drive property markets.

In this, Part 5 of our Miniseries “My Formula for Real Estate Profits", Jeremy discusses the concept of the 5 Driver focusing on the impact Government has on the value of real estate. Governments grant a license, or title, to property owners providing them with exclusive access from which to derive profits from their real estate holdings.

This concept is important because we operate in an economic system where property is priced upon the capitalisation of its future profitability, that is its Effortless Advantage. So, the more confident we are in the rights of ownership, the more willing we will be to bid up the price of property.

The process of government backing private ownership of land creates HUGE value for the owners of such rights.

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only.

Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.

No part of this production may be reproduced or transmitted in any form or by any means without the prior written permission of the authors. ©Copyright 2021 All Rights Reserved.

This exclusive formula defines HOW and WHAT drives property prices. It explains exactly WHY property MUST go up in value.

The formula shown throughout this mini-series will irrefutably define the elements that drive property markets.

In this, Part 4 of our Miniseries “My Formula for Real Estate Profits", Jeremy introduced the concept of the 5 Drivers and focuses on Technology.

 Humans have an insatiable appetite for improvement which is driven by our relentless pursuit for better living standards. We always want to create more with less. See mankind is wired for advancement and this drives many technological advancements bring about increased efficiency, higher productivity and results in greater profitability; which will be used to acquire real estate in the best locations driving prices higher.

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713. No part of this production may be reproduced or transmitted in any form or by any means without the prior written permission of the authors. ©Copyright 2021 All Rights Reserved.

This exclusive formula defines HOW and WHAT drives property prices. It explains exactly WHY property MUST go up in value.

The formula shown throughout this mini-series will irrefutably define the elements that drive property markets.

In this, Part 3 of our Miniseries “My Formula for Real Estate Profits", Jeremy discusses the concept of the 5 Drivers and focuses on Population.

Population is often sighted as a major driver of property prices - the greater the population, the greater the demand for housing. BUT population growth actually drivers increases in productivity, which in turn will drive property prices higher and higher.

Understanding this concept is crucial in being able to accept how real estate prices must continue to climb higher and higher.

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor.

While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only.

Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.

No part of this production may be reproduced or transmitted in any form or by any means without the prior written permission of the authors. ©Copyright 2021 All Rights Reserved.

This exclusive formula defines HOW and WHAT drives property prices. It explains exactly WHY property MUST go up in value.

The formula shown throughout this mini-series will irrefutably define the elements that drive property markets.

In this, Part 2 of our Miniseries “My Formula for Real Estate Profits", Jeremy introduced the concept of the 5 Drivers and focuses on Infrastructure.

Infrastructure is like the great connector as it facilitates the other drivers resulting in increased commerce and economic growth for the economy as a whole. Infrastructure plays a critical role in increasing productivity, hence profitability, that will manifest in higher real estate prices.

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor.

While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only.

Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.

No part of this production may be reproduced or transmitted in any form or by any means without the prior written permission of the authors. ©Copyright 2021 All Rights Reserved.

In this miniseries Jeremy reveals his “Formula for Real-Estate Profits".

This exclusive formula defines HOW and WHAT drives property prices. It explains exactly WHY property MUST go up in value.

The formula shown throughout this mini-series will irrefutably define the elements that drive property markets.

In our first episode we will be taking a deep dive into "The Effortless Advantage".

The Effortless Advantage is the first core concept upon which this Formula is founded. It underpins our approach and understanding of how real estate markets move.

The distinguishing characteristic of the Effortless Advantage is that earning it requires no effort whatsoever! 

The Effortless Advantage is an irrefutable truth and the stories that guests share on PAFO are all about highlighting the Effortless Advantage in action.

This core concept explains why the most productive and hence most profitable land is always the most desired and most valuable.

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor.

While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only.

Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.

No part of this production may be reproduced or transmitted in any form or by any means without the prior written permission of the authors. ©Copyright 2021 All Rights Reserved.

They also discuss why all investors should clearly define their goals and layout a plan to ensure they will be reached. As an advisor, Dane believes that property is an important asset in helping clients achieve their financial goals.

Unfortunately, all too often advisors will sit in the "Property" or "Shares" camp exclusively. However, what Dane has discovered is that BOTH real estate and shares are important assets that can help clients meet their financial goals. Further, when share investors take the time to understand the property market it makes them a better share investor. And vice versa, when property investors educate themselves on the share market their investing will improve.

If you would like to get in touch with Dane, his contact details are:

Dane Pymble

Financial Adviser <AR 323636>

dane.pymble@calnanflack.com

Mobile 0423 229 232

www.calnanflack.com

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor.

While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only.

Any views or opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views, or opinions expressed. Jeremy Calnan (AR 244353), Dane Pymble (AR 323636), and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713. Calnan Flack may have a commercial relationship with guests appearing on this podcast.

No part of this production may be reproduced or transmitted in any form or by any means without the prior written permission of the authors. ©Copyright 2021 All Rights Reserved.

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

Any opinions or recommendations expressed do

not purport to be Financial Advice but rather should be considered General

Advice only as they do not take into account your personal needs, objectives or

financial circumstances. You should therefore consider these matters yourself

before deciding whether the advice is appropriate to you and whether you should

act upon it. Should Financial Advice be sought, we suggest you seek such advice

from an appropriately qualified advisor. While useful for identifying patterns,

history and past performance are no guarantee of future performance. There is

inherent risk and the possibility of losses when investing just as there is the

possibility of profits. Any examples provided are for illustration purposes

only. Any views and opinions expressed by our guests are their own and are not

necessarily endorsed nor do they necessarily reflect the views of the

presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No

representation or warranty is given as to the accuracy or completeness of any

of the information, statements, comments, views or opinions expressed. Jeremy

Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are

Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441

AFSL 384713. Calnan Flack may have a commercial relationship with some guests

appearing on this podcast. No part of this production may be reproduced or

transmitted in any form or by any means without the prior written permissions

of the authors. ©Copyright 2021 All Rights Reserved.

To get in touch with Jack you can use any of the links below:

Website:http://ganderairporthistoricalsociety.org/

Twitter: https://twitter.com/GahsYQX

As always, check us out on our website and socials below:

PAFO.com.au

Instagram: @pafopod

Facebook: https://www.facebook.com/pafopod/

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

To get in touch with Jack you can use any of the links below:

Website:http://ganderairporthistoricalsociety.org/

Twitter: https://twitter.com/GahsYQX

As always, check us out on our website and socials below:

PAFO.com.au

Instagram: @pafopod

Facebook: https://www.facebook.com/pafopod/

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

You can get in touch with Omar using any of the links below:

https://www.instagram.com/examineproperty/

 https://www.facebook.com/pg/ExamineProperty/posts/?ref=page_internal

 or on LinkedIn at: https://tinyurl.com/yyqjeeuw

If you would like to know more about Examine Property: https://calnanflack.com/examine-property/ If you would to

talk to Examine Property: https://calnanflack.com/contact-examine-property/

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

Any opinions or recommendations expressed do

not purport to be Financial Advice but rather should be considered General

Advice only as they do not take into account your personal needs, objectives or

financial circumstances. You should therefore consider these matters yourself

before deciding whether the advice is appropriate to you and whether you should

act upon it. Should Financial Advice be sought, we suggest you seek such advice

from an appropriately qualified advisor. While useful for identifying patterns,

history and past performance are no guarantee of future performance. There is

inherent risk and the possibility of losses when investing just as there is the

possibility of profits. Any examples provided are for illustration purposes

only. Any views and opinions expressed by our guests are their own and are not

necessarily endorsed nor do they necessarily reflect the views of the

presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No

representation or warranty is given as to the accuracy or completeness of any

of the information, statements, comments, views or opinions expressed. Jeremy

Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are

Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441

AFSL 384713. Calnan Flack may have a commercial relationship with some guests

appearing on this podcast. No part of this production may be reproduced or

transmitted in any form or by any means without the prior written permissions

of the authors. ©Copyright 2021 All Rights Reserved.

To learn more about Julie or to get in touch you can follow the links below:

About Dr Julie Collins: https://people.unisa.edu.au/Julie.Collins

UniSA Architecture Museum: https://unisa.edu.au/connect/galleries-museums-and-centres/architecture-museum/

Modern Living: At Home in South Australia, 1890-1960 Exhibition: https://festival.history.sa.gov.au/events/modern-living-at-home-in-south-australia-1890-1960-an-exhibition/

As always, check us out on our website and socials below:

PAFO.com.au

Instagram: @pafopod

Facebook: https://www.facebook.com/pafopod/

Any opinions or recommendations expressed do not purport to be Financial Advice but rather should be considered General Advice only as they do not take into account your personal needs, objectives or financial circumstances. You should therefore consider these matters yourself before deciding whether the advice is appropriate to you and whether you should act upon it. Should Financial Advice be sought, we suggest you seek such advice from an appropriately qualified advisor. While useful for identifying patterns, history and past performance are no guarantee of future performance. There is inherent risk and the possibility of losses when investing just as there is the possibility of profits. Any examples provided are for illustration purposes only. Any views and opinions expressed by our guests are their own and are not necessarily endorsed nor do they necessarily reflect the views of the presenters, Calnan Flack Pty Ltd or PGW Financial Services Pty Ltd. No representation or warranty is given as to the accuracy or completeness of any of the information, statements, comments, views or opinions expressed. Jeremy Calnan (AR 244353) and Calnan Flack Pty Ltd (ACN 165 717 448 AR 446976) are Authorised Representatives of PGW Financial Services Pty Ltd ABN 15 123 835 441 AFSL 384713.No part of this production may be reproduced or transmitted in any form or by any means without the prior written permissions of the authors. ©Copyright 2021 All Rights Reserved.

You can get in touch with Dane by using any of the below links:

Phone: 0423 229 232

Web: https://calnanflack.com/dane-pymble/

Instagram: @calnanflack

You can also get in touch with us using any of the below links:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

But who designs all this stuff?

Where does the inspiration come from?

Given how our lifestyles have changed over the decades how have these structures changed with consumer demands?

An Architect must have an eye for design and head full of solutions . See an Architect is part artist part designer, negotiator and at times a client mind reader, the minister of finances and a whole lot of problem solver.

Here to discuss all this and much, much more is Marie Carrel of Planet Architecture.

To get in touch with Marie you can use any of the below links:

P.O. Box 207, Doncaster Heights, VIC, 3109

Email: marie@planetarchitecture.com.au

Tel: 03 9898 0250

Mob: 0449 758 456

Website: https://planetarchitecture.com.au/ 

Blog: https://planetarchitecture.com.au/blog/

As always, check us out on our website and socials below:

PAFO.com.au

Instagram: @pafopod

Facebook: https://www.facebook.com/pafopod/

You can get in touch with Rory by using any of the below links:

Phone: 1300 721 631

Web: https://ownhomeloans.com.au/

Instagram: @ownhomeloans

Facebook: https://www.facebook.com/ownhomeloans/

LinkedIn: https://www.linkedin.com/in/rory-sercombe/

You can also get in touch with us using any of the below links:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

And don't forget to check out Lee's book: From Ascending Rooms to Express Elevators: A History of the Passenger Elevator in the 19th Century.

You can get in touch with Lee using his email address below:

legray@uncc.edu

As always, check us out on our website and socials below:

PAFO.com.au

Instagram: @pafopod

Facebook: https://www.facebook.com/pafopod/

You can get in touch with Omar using any of the links below:

https://www.instagram.com/examineproperty/

 https://www.facebook.com/pg/ExamineProperty/posts/?ref=page_internal

 or on LinkedIn at: https://tinyurl.com/yyqjeeuw

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

And Jules Willcocks the Property Surgeon is exactly that.

Although Jules has some highly speculative assets, the bulk of his moneys are invested in property. He has built a fantastic property portfolio that spans the globe producing income and a steady stream of capital growth.

It diversifies his property, currency and legislative risk.

Don’t be fooled by Jules laid back approach as his decision making process is made with meticulous, surgical precision.

 It doesn’t matter where you look across the globe, property is still always driven by our 5 drivers.  

Jules' book list can be found at:

https://calnanflack.com/jules-willcocks-reading-list/

You can follow Jules on Linkedin via the below link:

https://au.linkedin.com/in/jules-willcocks-95019413

As always, check us out on our website and socials below:

PAFO.com.au

Instagram: @pafopod

Facebook: https://www.facebook.com/pafopod/

You can get in touch with Rory by using any of the below links:

Phone: 1300 721 631

Web: https://ownhomeloans.com.au/

Instagram: @ownhomeloans

Facebook: https://www.facebook.com/ownhomeloans/

LinkedIn: https://www.linkedin.com/in/rory-sercombe/

You can also get in touch with us using any of the below links:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

The Brickworks Park development is a great opportunity for us to see some of our 5 Drivers in action:

When John purchased the Brickworks it wasn't zoned residential, so the permitting process by local government shows the importance of government granted licences.

The Brickworks site is surrounded by amenities and infrastructure that have capitalised back into its land value. While the vision of the project is to create a community where residents can live in low maintenance housing while having access to all the amenities that they would living in a house on a large block.

For more than 25 years, John Bush has managed some of Australia’s most successful residential property developments, ranging from boutique townhome projects to large apartment towers. John has a deep understanding of the modern Queensland lifestyle and what astute property buyers are looking for in a new home.

Brickworks Park is an ideal fit with John’s passion for creating high quality communities in unique and sought-after urban locations and John's broad knowledge of the property industry makes him the ideal fit to talk to us on PAFO.

To get in contact with John you can use any of the following links:

Website: https://brickworkspark.com.au/

Instagram: https://www.instagram.com/brickworkspark/

Facebook: https://www.facebook.com/BrickworksPark

Phone: 1800 861 868

You can get in touch with us at:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

Why should investing be approached as a team sport?

• Investing is fun
• Share with people, enjoy the journey
• Get help from professionals
• You don’t have to know it all
• Learn from others
• Seek help and gain support from other because investing can be tough at times
• One stop independent advice professionals

 Who should be on your team?

• Finance
• Taxation
• Property Specialist
• Adviser
• Legal
• Property Manager

No matter the area of investing it always helps to have the right investment team on your side.

You can get in touch with Omar using any of the links below:

https://www.instagram.com/examineproperty/

 https://www.facebook.com/pg/ExamineProperty/posts/?ref=page_internal

 or on LinkedIn at: https://tinyurl.com/yyqjeeuw

If you would like to know more about Examine Property: https://calnanflack.com/examine-property/ If you would to

talk to Examine Property: https://calnanflack.com/contact-examine-property/

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

We are here to talk about SAND!

And here to talk with me about Sand is award-winning journalist and author of the book The World in a Grain: The Story of Sand and How It Transformed Civilization, Vince Beiser.

It has revolutionised civilization and is the basis on which our future will be built.

From Egypt’s pyramids to the Hubble telescope, from the world’s tallest skyscraper to the footpath below it, from the Stained glass windows of Chartres Cathedral to your iPhone.

It is the third most consumed substance on earth, only behind air and water.

It shelters us, empowers us, engages and inspires us. It’s the ingredient that makes possible our lives.

Sand is a Super-Substance which provides endless examples of continually being the basis of our productivity gains.

Throughout history Sand has interacted with our five drivers of Property prices:

Technology

Infrastructure

Population

Government Granted Licenses

Credit

And this is what we will talk about today - how sand has impacted our lives:

Without sand, there is NO modern civilisation!

Our entire modern civilisation and complete economic development is based upon concrete, glass and silica - and that requires sand.

Here is a link to Vince's book: https://amzn.to/3yCDeCH

To get in contact with Vince you can use any of the following links:

Website: https://vincebeiser.com/

Twitter: https://twitter.com/vincebeiser

Facebook: https://www.facebook.com/vincebeiser.journalist/?ref=sgm

Email: vincelb@sbcglobal.net

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

And who better to help guide us around the Ancient Empire of Rome than Associate Professor Dr Rhiannon Evans from LaTrobe University.

Rhiannon co-hosts a podcast called the Emperors of Rome and when I first heard it I thought "WOW there are our 5 Drivers again!"

As listeners If you can recognise the drivers in an ancient society then hopefully I can help you recognise them in todays.

Those of you who have followed my work for some time will have heard me say over and over again how things are "Same, Same, but Different" 

That history repeats and as much as things change, they don’t. 

History shows us that humans have always had and always will have a connection to land. Our very existence depends on it and if we view history within the context of the time we will see the 5 Drivers of Property Prices are always apparent.

And this episode is NO different.

Its all about those same 5 Drivers that underpin and continue to propel property prices higher and higher.

Please reach out to Rhiannon using the below links:

The Emperors of Rome Podcast: https://podcasts.apple.com/au/podcast/emperors-of-rome/id850148806

Rhiannon's book: https://library.latrobe.edu.au/ebureau/pdf/Caesar's-triumphs-over-Gaul-and-Rome-highres.pdf 

Rhiannon's Twitter: https://twitter.com/drrhiannonevans?lang=en

The Emperors of Rome Facebook: https://www.facebook.com/EmperorsofRomePodcast/?ref=aymt_homepage_panel

The Emperors of Rome Twitter: https://twitter.com/romepodcast?lang=en

To get in touch with us visit:

http://pafo.com.au

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

You can get in touch with Braedan using any of the following methods:

Email: inspect@ashbypartners.com.au

Phone: 0408 240 044

https://www.linkedin.com/in/braedankidd/

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

They discuss the fact that having a higher income does not necessarily result in higher wealth and that money and happiness are not related.

Jules' book list can be found at:

https://calnanflack.com/jules-willcocks-reading-list/

You can follow Jules on Linkedin via the below link:

https://au.linkedin.com/in/jules-willcocks-95019413

As always, check us out on our website and socials below:

PAFO.com.au

Instagram: @pafopod

Facebook: facebook.com/pafopod/

Demographics - This is where your research should start! It is imperative that the type of property that you are considering matches the demographics of the area. The expectation and demands will be very different between white-collar "DINK" professionals without kids and that of the demands from a blue-collar family that include kids! Are 1, 2 or 3 beds in demand? Is a study required?

Matching your property the demographic demands can mean the difference between a great performing property and one that has serial vacancy's forever requiring you to reduce your rent in an effort to attract a tenant!

Supply and Demand -The greater the supply the greater your competition! Competition to attract renters and even eventually competition to try and attract a buyer. The greater the demand for your property the higher will be the rent you will be able to charge.

Understanding the demand and supply metrics of both your chosen location and possible tenants can avert possible financial heartbreak.

Proximity to Amenities (infrastructure & Jobs) -Location. Location. Location! Tenants want convenience. Tenants will pay a premium for convenience. Convenience to transportation, entertainment, jobs, lifestyle assets as well as beaches and parks. Shopping, hospitals and medical centres just to name a few. Under the 5 Essential Drivers of Property and you will understand how your proximity to amenities WILL manifest back into higher desirability and hence higher prices.

Building & layout - The quality of your building can not be overstated. Construction quality, the finishes will have a major impact as to both the desirability as well as the cost of ongoing maintenance.

And never underestimate the impact the layout of an apartment can have.

Cost and cash flow- The financial consideration is the price of the apartment and its expected cash flow. Never overpay. Never pay tomorrow's price today for an apartment. Always review the strata costs and never neglect to review the strata minutes to ensure there is NO hidden issues potentially lurking in the future. Always have a professional review these numbers so as to ensure you don’t face any nasty shocks.

For further information you can get in touch with Omar using any of the links below:

https://www.instagram.com/examineproperty/

 https://www.facebook.com/pg/ExamineProperty/posts/?ref=page_internal

 or on Linkedin at https://tinyurl.com/yyqjeeuw

At PAFO we'd love to help and can be reached at the following locations:

https://www.PAFO.com.au

https://www.facebook.com/pafopod

https://www.instagram.com/pafopod/

The reoccurring theme throughout PAFO is that of the 5 Essential Drivers of Property Prices.

• Infrastructure
• Technology
• Population
• Credit
• Government Granted licenses

In this series, Jeremy connects the conversations he's had with the lessons related to these 5 Property Drivers. Understanding how these drivers must impact property prices will give you an unfair advantage as a property investor.

Learning how to spot these drivers BEFORE they manifest into property prices will make you a fortune - that’s what we are here to help you with.

In this episode Jeremy revisits his conversations with:

• Luke Howes - The FinTech Entrepreneur
• Omar Moujalli - The Property Professional

We also wanted to give a BIG thanks to all the listeners and guests that joined us 2020.

PAFO.com.au

Instagram: @pafopod

Facebook: facebook.com/pafopod/

The reoccurring theme throughout PAFO is that of the 5 Essential Drivers of Property Prices.

• Infrastructure
• Technology
• Population
• Credit
• Government Granted licenses

In this series, Jeremy connects the conversations he's had with the lessons related to these 5 Property Drivers. Understanding how these drivers must impact property prices will give you an unfair advantage as a property investor.

Learning how to spot these drivers BEFORE they manifest into property prices will make you a fortune - that’s what we are here to help you with.

In this episode Jeremy revisits his conversations with:

• Jordan Hill - The Charity of Land
• Braedan Kidd - The Letting Agent

We also wanted to give a BIG thanks to all the listeners and guests that joined us 2020.

PAFO.com.au

Instagram: @pafopod

Facebook: facebook.com/pafopod/

The reoccurring theme throughout PAFO is that of the 5 Essential Drivers of Property Prices.

• Infrastructure
• Technology
• Population
• Credit
• Government Granted licenses

In this series, Jeremy connects the conversations he's had with the lessons related to these 5 Property Drivers. Understanding how these drivers must impact property prices will give you an unfair advantage as a property investor.

Learning how to spot these drivers BEFORE they manifest into property prices will make you a fortune - that’s what we are here to help you with.

In this episode Jeremy revisits his conversations with:

• James Pledge - the Valuer
• Warwick Leeson - the Mayor
• Brendan Condon -  the Environmental Developer

A big thanks to all the listeners and guests that joined us 2020.

PAFO.com.au

Instagram: @pafopod

Facebook: facebook.com/pafopod/

You can get in touch with Rory by using any of the below links:

Phone: 1300 721 631

Web: https://ownhomeloans.com.au/

Instagram: @ownhomeloans

Facebook: https://www.facebook.com/ownhomeloans/

LinkedIn: https://www.linkedin.com/in/rory-sercombe/

It’s an historic sight, with historic significance and is the largest infill residential land sale in Melbourne’s history.

Andrew is a Contract Administrator for Glenvill Homes and discusses how his interest in property was first piqued and how he ended up where he is now, along with some fantastic insights into this historic Melbourne development.

PAFO.com.au

Instagram: @pafopod

Feel free to get in touch if you have any other historic clips pertaining to property investment:

PAFO.com.au

Instagram: @pafopod

Facebook: facebook.com/pafopod/

With each new property cycle we see the emergence of new technologies and human advancements that continue to expand our productivity and the FinTech industry has been spawned out of the prodigious technological advancement the world is undertaking.

This cycle is being driven by a technology revolution and sitting in the box seat to drive this productivity wave is the FinTechs. They will revolutionise the economy as well as the financial and banking sector as we know it.

Do not underestimate the role the FinTech industry will play in the coming banking boom and the impact this will have on the property market.

To get in touch with Luke you can reach him through any of the below:

au.linkedin.com › lukehowes

https://www.fintechaustralia.org.au/

We reckon so!

In this episode, Jeremy Calnan talks about why he thinks the Australian Property market has reached GOAT status for investors and homeowners alike.

From record low interest rates and coronavirus infections; to massive government stimulus programs to reinvigorate the Aussie economy.

Massive infrastructure spends have been announced by our governments as well as the fast tracking of major projects, all of which MUST lead to higher land and real-estate prices.

Now with the recent removal of the Responsible Lending Requirements its all systems go for HUGE amounts of credit to be created for the second half of the cycle - driving Australian Property prices sky high.

To see and understand the cycle in action and in particular the changes and implications to the banking system see https://calnanflack.com/enjoy-the-boom/

Australian Property; the GOAT.

Its time to get involved!

Contact us:

pafo.com.au

Instagram & Facebook @pafopod

calnanflack.com

As property investors what can a letting agent do for you? Where can they add value to your real estate portfolio? And how can they save you a packet!

Letting agents put themselves right in the thick of it, battling and managing renters and landlords alike, find out exactly what it is a letting agent can do for you as either a landlord or a tenant in this episode of PAFO.

You can get in touch with Braedan using any of the following methods:

Email: inspect@ashbypartners.com.au

Phone: 0408 240 044

https://www.linkedin.com/in/braedankidd/

You can find more from us and get in touch with us here:

https://www.instagram.com/pafopod/

https://www.facebook.com/pafopod

It’s a quick and easy way for property investors to calculate how long it will take for their real-estate investments to double in value.

Now it is not exactly precise but is a great rule of thumb for a back of the envelope calculation using only the most basic of maths and one that Jeremy has been relying on for years.

To get in touch to discuss your property, investment, and lending needs please see https://calnanflack.com/lets-get-started/

You can get in touch with Omar using any of the links below:

https://www.instagram.com/examineproperty/

 https://www.facebook.com/pg/ExamineProperty/posts/?ref=page_internal

 or on Linkedin at: https://tinyurl.com/yyqjeeuw

For any financial advice feel free to be in touch with a Calnan Flack advisor via the link below:

https://calnanflack.com/lets-get-started/

Alternately, you can give Rory a call or email at:

rory@ownhomeloans.com.au

0407 869 361

Check out The Cape Sustainable Housing Project at:

https://www.liveatthecape.com.au/

Instagram: @liveatthecape

Facebook: https://www.facebook.com/LiveAtTheCape

Also, give Brendan a follow on LinkedIn on: https://tinyurl.com/yyx294xw

Because last week Josh Frydenberg announced the rescinding of the Banks “Responsible Lending Obligations” opening the flood gates for credit to flood our economy for the second half of the cycle, driving asset prices ever higher.

Understanding the Credit Cycle is super important as its credit that provides the atomic energy for a nuclear-like Boom that ends in the inevitable Bust.

Jeremy outlines the events leading up to this announcement and how it’s implications will play out. For more information about the Credit and Investment cycle please see:

PAFO Eps #1 James Pledge

www.calnanflack.com/blogs

To get in touch to discuss your investment and lending needs please see https://calnanflack.com/lets-get-started/

OneHeart is all about the creation of continuous sustainable social and community improvement by improving and educating the community.

And it’s all underpinned by their ownership of LAND.

Land underpins their ability to run their orphanages and schools. It enables them to not only run their Skills Training Centre but further, it’s the owning and controlling of land that has enabled OneHeart to create community opportunities and commercial activities for the benefit of locals, the community, the orphans and ensure the sustainability funding of their support model

On their land they build orphanages and schools that educate the children under their care as well as local fee paying students.

On their land they have created a Skills Training Centre that provides free and low cost education in health, finance, life skills as well as new farming techniques to parents in the surrounding villages. This helps better equip them to earn an income and to provide and care for their children.

They operate farms, bakeries and other commercial activities all aimed at providing education, employment and opportunities to the local community while stimulating the local economy.

LAND is core to the charity OneHeart, in fact Jordy goes as far as to say that without the ownership of land OneHeart could NOT deliver the services they do.

It’s a unique charitable approach and a fascinating story that I do encourage you all to consider supporting.

To contact Jordan Hill: Jordan Hill: jordan.hill@oneheart.foundation

More about OneHeart: https://oneheart.foundation/

To Donate: https://oneheart.foundation/donate/

We all l have an innate emotional connection to property. We touch and feel it every day as we live our lives surrounded and immersed in property.

We feel confident about property and at the end of the day, we lay our heads to rest, as a tenant, homeowner, or landlord.

But there is more than the emotional connection to property that answers the question Why Property?

Property is a uniquely attractive investment because:

It's less volatile than other growth assets

Banks love to lend money against property

You get paid to own it

The government WANTS you to own it

Increased human productivity ensures it will increase in value

The drivers of property prices can be defined.

 For more information on these concepts please visit

www.calnanflack.com

Zoning, planning, infrastructure and community spirit will all have a significant impact on property prices.

In this episode I have the pleasure of chatting with Warwick Leeson OAM, who was several times the elected mayor of his local council Nillumbik that covers part of Melbourne's northern growth corridor and the green wedge suburbs. Councils are in the unique position to bestow property owners with all sorts of benefits that can make the location more desirable and hence of course more valuable.

I ask Warwick things like do councils really appreciate or understand the financial value that planning and infrastructure changes can create for landholders? What role does property play in local government thinking and decision making and when considering a particular development, do council consider the uplift in the land values associated with the project? A great chance to talk to a key decision maker about the inner workings of local councils.

As humans we always want to create more from fewer inputs. Less time, less raw materials, less labour, less cost, and history proves that throughout the ages humans have accomplished this. Travelling further, faster, and cheaper. Consuming more with ever-increasing living standards.

Yet as TVs, cars and other technology become better and cheaper, land continues to increase in value because as all these advancements and gains make us more productive. The more productive, the more profitable, and since land is priced upon the capitalisation of its future profitability, these gains feed directly back into land prices.

This is why despite its beautiful location, a house in William Creek is significantly cheaper than one in Noosa.

Understand this concept and you will unlock the key to why Property IS Australia’s Favourite Obsession and the common thread that will flow throughout the stories of our guests on this podcast.

www.pafo.com.au

Go visit: www.williamcreekhotel.com

https://www.visitnoosa.com.au/noosa-heads

Jeremy and James discuss the integral role that a valuer provides and how and why different valuation methods can place varied prices on the same asset.

Further, they discuss the symbiotic relationship the valuation industry has with the banking sector and how during different stages of the Boom Bust cycle the banking sector will exhibit difference in lending appetite.

James has been involved in the valuation industry for over 30 years and is a Partner, Head of Valuations and Advisory of Knight Frank Valuation. Recently he was awarded Life Fellowship of the Australia Property Institute for his continued distinguished service.

James​ Pledge

james.pledge@sa.knightfrankval.com.au

P: +61 8 8233 5212

M: +61 411 135 651

https://www.linkedin.com/in/james-pledge-hotel-and-leisure-valuer-a8719781/

KnightFrank.com.au