Welcome back to the Money Rules or Money Rules podcast! Today, mortgage expert Matt Ivers is here to dispel the myths around getting a second mortgage and expose the positive effects it can have on your existing repayments. Join Matt and host Stephen Logan as they delve into the world of property investment hacks and how they can help homeowners achieve their goals of paying off their mortgage sooner.  *This material has been prepared for general information purposes only and not as specific advice to any particular person.* Reach out to us at: https://helpmywealth.com.au/contact/ Host: Stephen Logan from Logan Property Group : https://www.loganpropertygroup.com.au Co-host: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au Contact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/ Watch the podcast video: https://youtu.be/ETsp-DHseVA OR Find our podcast on your podcast platform: https://podcasters.spotify.com/pod/show/helpmywealth Find Us On: Facebook: https://www.facebook.com/HMWealth Instagram: https://www.instagram.com/help_my_wealth/ LinkedIn: https://www.linkedin.com/company/help-my-wealth/ Website: https://helpmywealth.com.au/ YouTube Channel: https://www.youtube.com/channel/UCAal5emLA8g4KlCpS3HcMmA

On this episode of the Money Rules Podcast, we tackle the age old question; Shares OR Property, which one is better for the average Aussie to invest in? Its a difficult topic to gain accurate insight into, but our resident expert has successfully worn the hats for both sides through his extensive career. Hamish Ferguson is both a financial advisor and seasoned mortgage broker, and he is here to offer up some rare insights into the subject. Along with host Dave Lennox, they will unravel the mystery of the pros & cons of each strategy together. This material has been prepared for general information purposes only and not as specific advice to any particular person. Reach out to us at: https://helpmywealth.com.au/contact/ Host: Stephen Logan from Logan Property Group : https://www.loganpropertygroup.com.au Co-host: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au Contact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/ Watch the podcast video: https://youtu.be/rgMiSYzU2xk Find Us On: Facebook: https://www.facebook.com/HMWealth Instagram: https://www.instagram.com/help_my_wealth/ LinkedIn: https://www.linkedin.com/company/help-my-wealth/ Website: https://helpmywealth.com.au/ YouTube Channel: https://www.youtube.com/channel/UCAal5emLA8g4KlCpS3HcMmA Podcast

Welcome to the latest episode of the Money Rules Podcast, where we tackle the issue of stagnation & self-improvement. Join your co-hosts, Stephen Logan and Hamish Ferguson along with our special guest Chris Rapaport, owner of Landscaping and Pool Tiling Business, Utopia. Follow Chris's journey, from introvert to a master of his craft and business leader: • How talking to mentors and experienced professionals can shape your ideas and keep them in check. • How having the 'Hard' conversations yields better results than leaving things to fate. • Why relinquishing full control of your business to allow for others to help you is better for consistent growth. Tune in for valuable tips and strategies to shape your career goals and pave the way to a successful and rewarding professional journey. This material has been prepared for general information purposes only and not as specific advice to any particular person. Reach out to us at: https://helpmywealth.com.au/contact/ Host: Stephen Logan from Logan Property Group : https://www.loganpropertygroup.com.au Co-host: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au Contact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/ Watch the podcast video: https://youtu.be/b-1zb4mcx08 Find Us On: Facebook: https://www.facebook.com/HMWealth Instagram: https://www.instagram.com/help_my_wealth/ LinkedIn: https://www.linkedin.com/company/help-my-wealth/ Website: https://helpmywealth.com.au/ YouTube Channel: https://www.youtube.com/channel/UCAal5emLA8g4KlCpS3HcMmA

🎙️ In this episode of Money Rules, hosts Hamish Ferguson and David Lennox from Vision Property and Finance delve into the property investment, specifically exploring the question: Are you Ready for your 2nd investment property?   💼 With their wealth of experience in the mortgage industry, Hamish and David dissect the difference between having money invested and growing v.s placing it all in an offset account. They will dive into the 3 key signs that should signal that you are ready to expand your asset portfolio with another property   This material has been prepared for general information purposes only and not as specific advice to any particular person.   💬 If this episode has raised some questions for you, please feel free to reach out to the team at Vision for a hassle-free chat. 🌐 Website: Vision Property & Finance ✉️ Email: info@visionpf.com.au 📞 Phone: (02) 4014 1999 Watch the Video Version: https://youtu.be/g0Dr1UPrYXE

Welcome to the latest episode of the Money Rules Podcast, where we dive deep into the world of the Australian education system. Join your co-hosts, Stephen Logan and Hamish Ferguson along with our special guest Tracey Breeze, Principle of Hunter School of The Performing Arts and founder of the "Big Picture" project. Follow Tracey's journey, spanning 30 years, from teacher to principle and advocate of education, as our hosts discuss: • How talking to mentors and experienced professionals can shape your financial future. • How the right education can empower students to reach their full potential. • Why the education system in Australia needs to change and why these changes would be for the betterment of our youth. Tune in for valuable tips and strategies to shape your career goals and pave the way to a successful and rewarding professional journey.   This material has been prepared for general information purposes only and not as specific advice to any particular person.   Reach out to us at: https://helpmywealth.com.au/contact/ Host: Stephen Logan from Logan Property Group: https://www.loganpropertygroup.com.au Co-host: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au Contact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/ Watch the podcast video: https://youtu.be/eohUSQrckCA

Welcome to the latest episode of the Money Rules Podcast, where we dive deep into the world of career progression and career goals. Join your co-hosts, Stephen Logan and Hamish Ferguson, along with our special guest Jonathan Srikanthan, Director of the Charitable Foundation at Atlassian. Jonathan's journey from refugee to corporate leader is both inspiring and insightful. In this episode, we explore the keys to crafting a fulfilling career, including: • Breaking free from the constraints of your first job to unlock your true potential. • Balancing strength of will with a willingness to learn for optimal career growth. • Navigating the ever-evolving modern workplace and embracing change as a catalyst for personal and professional development. Tune in for valuable tips and strategies to shape your career goals and pave the way to a successful and rewarding professional journey. This material has been prepared for general information purposes only and not as specific advice to any particular person. Reach out to us at: https://helpmywealth.com.au/contact/ Host: Stephen Logan from Logan Property Group: https://www.loganpropertygroup.com.au Co-host: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au Contact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/ Watch the podcast video: https://youtu.be/gstKBxhn4Tk

🎙️ Join host Hamish Ferguson and guest David Lennox, experts from Vision Property and Finance, as they guide you through the essential steps to prepare for purchasing your first investment property. In this episode, Hamish and David break down the crucial elements you need to consider before diving into the world of property investment. From securing pre-approval to conducting thorough research, they provide invaluable insights to ensure you make informed decisions every step of the way. Discover the importance of finding the loan structure that best aligns with your financial goals and needs, and learn how to navigate this aspect effectively. But that's not all! Hamish and David emphasise the significance of surrounding yourself with experienced and qualified professionals who can offer guidance and support throughout your investment journey. Whether you're a novice or seasoned investor, this episode of Money Rules or Money Rules is packed with practical tips and advice to empower you on your path to property investment success. Tune in now and take the first step towards building your investment portfolio with confidence! 💬 If this episode has raised some questions for you, please feel free to reach out to the team at Vision for a hassle-free chat. 🌐 Website: Vision Property & Finance ✉️ Email: info@visionpf.com.au 📞 Phone: (02) 4014 1999 This material has been prepared for general information purposes only and not as specific advice to any particular person.

🎙️ In this episode of Money Rules, hosts Hamish Ferguson and David Lennox from Vision Property and Finance delve into the intricacies of mortgage loans, specifically exploring the question: Is an offset account better? 💼 With their wealth of experience in the finance industry, Hamish and David dissect the pros and cons of opting for a basic variable loan versus a fully featured loan with an offset account. Through engaging discussion and expert analysis, they present five compelling reasons why individuals might consider choosing a basic variable loan, shedding light on a topic crucial to anyone navigating the complex world of personal finance. 🔍 Join us as we explore how making informed decisions about mortgage loans can play a pivotal role in shaping your financial journey. Tune in to Money Rules or Money Rules and empower yourself to take control of your financial future. 💬 If this episode has raised some questions for you, please feel free to reach out to the team at Vision for a hassle-free chat. 🌐 Website: Vision Property & Finance ✉️ Email: info@visionpf.com.au 📞 Phone: (02) 4014 1999 This material has been prepared for general information purposes only and not as specific advice to any particular person.

🎙️ In this episode of the Money Rules or Money Rules Podcast, we sit down with Yolanda to delve into the realms of self-growth and mindset improvement as a means of striving for a good life. 💡 Yolanda's passion for family and gender equity shines through as she shares insights gained from advising organisations like Cricket Australia on gender balance. After over 20 years in corporate marketing and public affairs, she founded Yo&Co to further her impact.   Key takeaways from today's discussion: 💰 Investing in your mind yields the greatest returns for a good life. ❤️ Trust is the cornerstone of healthy relationships. 🌱 Growth flourishes beyond your comfort zone.   Host: Stephen Logan - Logan Property Group  https://www.loganpropertygroup.com.au Co-Host: Hamish Ferguson - Vision Property and Finance 🏦 https://visionpf.com.au Contact Help My Wealth to connect with our guest speaker or ask questions: https://helpmywealth.com.au/contact/ Disclaimer: This content offers general information and not personalised advice.

Uncover the pivotal question, "Do I need an accountant?" in the latest episode of "Help My Wealth." Whether you're an individual or a small business owner, this burning question is answered by our esteemed guest, Jeremy Fox. With a rich background as an accountant and business owner from a young age, Jeremy delves into his passion for establishing robust financial systems and guiding clients through tax management and internal accounting. Join us as we explore the challenges clients often face due to a lack of understanding of their obligations to the ATO. Jeremy, armed with years of business wisdom, sheds light on navigating financial difficulties and shares invaluable insights. Where to find Help My Wealth 🌐 Explore further at: https://helpmywealth.com.au/ 📸 Follow us on Instagram: https://www.instagram.com/helpmywealth_/ 📘 Connect on Facebook: https://www.facebook.com/HMWealth/ 🎙 Hosted by: Stephen Logan from Logan Property Group: Logan Property Group 🎙 Co-Host: Hamish Ferguson from Vision Property and Finance: Vision Property and Finance Curious about whether you need an accountant? Tune in for insights! Please note that this material provides general information and is not tailored to any specific individual.

How can I plan for a happy retirement? What can I do to ensure that my health and finances will support me in retirement? As a young person how can I start preparing for retirement? If you have had these thoughts, listen to our latest episode where we are joined by Rod McLean, a Chiropractor and Kinesiologist with 40 years of experience. Rod introduces us to investing in our health, maintaining our bodies, and getting good advice to help keep or improve our health. Reach out to us at: https://helpmywealth.com.au/contact/ Host: Stephen Logan from Logan Property Group:  https://www.loganpropertygroup.com.auGuest: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.auContact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/ Watch the podcast video: https://youtu.be/nEkUc0_SpQE

Today, we are joined by Krystle Parker, and our conversation revolves around employment dynamics in the present and the near future. We'll also dive into the realm of Recruitment Agencies, exploring when it's the ideal time in your professional journey to engage with one.Krystle Parker is a co-owner of Verve Partners, a prominent Recruitment Agency based in Newcastle. Verve Partners stands apart by offering a unique perspective on the job search process. Unlike other recruitment agencies, they approach the employment hunt as a two-way street. They foster mutually beneficial outcomes by profoundly understanding businesses, candidates, and the community.What sets Verve Partners apart is their commitment to specialization. They've succeeded by becoming experts in their chosen industries, mastering everything from industry jargon to specific requirements and sought-after skill sets. Their strong industry connections and relationships with candidates are instrumental in finding the perfect fit.Currently, Verve Partners specializes in the following industries:• Executive Search• Finance• Construction• Engineering• Technology• Marketing + Sales• Human Resources• Legal• Manufacturing• Office Support This material has been prepared for general information purposes only and not as specific advice to any particular person. Reach out to us at: https://helpmywealth.com.au/contact/ Host: Stephen Logan from Logan Property Group : https://www.loganpropertygroup.com.au Guest: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au Contact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/ Watch the podcast video: https://youtu.be/A--sHDtyuik

Today, we delve into the idea that youth is not a barrier to success as we chat with Matilda Barrass, a remarkable individual who has achieved significant milestones both professionally and on her path to building an investment portfolio. Matilda's journey began with completing a double bachelor's degree in Business and Commerce at the University of Newcastle in 2019. In 2020, she embarked on a graduate program with CBA, initially in business banking, and quickly rose to the position of analyst in 2021. Her current focus revolves around property development and investment. Hailing from Sydney's northern beaches and later settling in the Hunter Valley, Matilda now calls Newcastle her home. Reach out to us at: https://helpmywealth.com.au/contact/Host: Stephen Logan from Logan Property Group : https://www.loganpropertygroup.com.au Guest: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au Contact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/ Watch the podcast video: https://youtu.be/7csQj_mOpcs

Help My Wealth and the Money Rules OR Money Rules Podcast is all about "Empowering your Financial Journey", and on this episode, we talk about Trading, Finfluence and the Prepensitity of Gambling in Australia with Dr Mardy Chiah is the Associate Professor of Finance at the University of Newcastle and is currently the Academic Director the Tax Clinic at the University of Newcastle. The tax clinic provides pro-bono tax advice and services to unrepresented and disadvantaged individuals and small business taxpayers in the Hunter region. Mardy has authored over 20 articles and research in the area of finances and related subjects. This material has been prepared for general information purposes only and not as specific advice to any particular person. Reach out to us at: https://helpmywealth.com.au/contact/ Host: Stephen Logan from Logan Property Group : https://www.loganpropertygroup.com.au Guest: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au Contact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/ Watch the podcast video: https://youtu.be/NGXamgHYNPQ

Help My Wealth and the Money Rules OR Money Rules Podcast is all about "Empowering your Financial Journey", and on this episode, we are discussing with Dr Cathy Wu the Financial Wellbeing & Life Satisfaction Report that she co-authored. The report also looked at financial literacy in Australia. Dr Cathy Wu is a lecturer at the Newcastle University Business School, and she is joined by Dr Mardy Chiah, who is the Associate Professor of Finance at the University of Newcastle and is currently the Academic Director of the Tax Clinic at the University of Newcastle. The tax clinic provides pro-bono tax advice and services to unrepresented and disadvantaged individuals and small business taxpayers in the Hunter region. Mardy has authored over 20 articles and research in the area of finances and related subjects. This material has been prepared for general information purposes only and not as specific advice to any particular person. Reach out to us at: https://helpmywealth.com.au/contact/ Host: Stephen Logan from Logan Property Group: https://www.loganpropertygroup.com.au Guest: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au Contact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/ Watch the podcast video: https://youtu.be/sQsKE1YQo7E

Help My Wealth and the Money Rules OR Money Rules Podcast is all about "Empowering your Financial Journey", and on this episode, we start our Business Owner's Series and talk to Tracy Lynch, the founder and owner of the Wellness Hub. Tracy Lynch is a well-respected therapist with over 30 years of experience in trauma-informed psychotherapy. Tracy now specialises in EMDR intensive therapy (Eye Movement Desensitization and Reprocessing) and is accredited as an EMDR trainer and supervisor. She has taught psychotherapy both here in Australia and overseas. Tracy spends every second week in Ngemba country in Bourke using psychotherapy and EMDR therapy in an indigenous family violence clinic. Tracy is also the founding owner and Clinical Director of Thrive Wellness Hub, where she mentors and supervises other councillors. On top of all this, Tracy is a published author and presents a podcast called "Understanding EMDR.” This material has been prepared for general information purposes only and not as specific advice to any particular person. Reach out to us at: https://helpmywealth.com.au/contact/ Host: Stephen Logan from Logan Property Group : https://www.loganpropertygroup.com.au Guest: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au Contact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/ Watch the podcast video: https://youtu.be/T3O19qcmF5c

Help My Wealth and the Money Rules OR Money Rules Podcast is all about "Empowering your Financial Journey", and on this episode, we talk to Matthew Ivers and drill into Property Investments and ask the question, "Where is Property at?" Mat Co-Founded Vision Finance in 2000 and has worked as a licenced Mortgage broker since then 2000 and for 15 years, specialised in investment lending. Frustrated that his investment clients were purchasing property without strong evidence-based research to support that investment purchase, in 2015, he also became a Licensed Buyer's Agent and, more importantly, an accredited Investment Property Advisor. As an accredited Investment Property Advisor, Mat could now bring robust, evidenced-based, documented support to his property investment clients. Mat is also the Vice President of the Property Investment Association of Australia (PIAA) This material has been prepared for general information purposes only and not as specific advice to any particular person Reach out to us at: https://helpmywealth.com.au/contact/ Host: Stephen Logan from Logan Property Group : https://www.loganpropertygroup.com.au Guest: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au Contact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/ Watch the podcast video: OR Find our podcast on your podcast platform:

Help My Wealth and the Money Rules OR Money Rules Podcast is all about "Empowering your Financial Journey", and on this episode, we talk to Matthew Skehan and journey into the world of financial planners and talk about Setting Up Your Financial Future. Mat is a Licensed Financial planner with over 22 years of experience in the Financial Planning Industry. Starting his career with Westpac Bank for 14 years, he moved into his own practice, Elevate Finance, in 2012. Matt is a nationally accredited adviser with a business mantra of "Good advice is your best investment," He highly encourages everyone to invest in themselves first. Mat has built his advice business around Wealth Accumulation strategies, including Self Managed Superfunds, Personal Insurance advice, Centrelink and Retirement advice. This material has been prepared for general information purposes only and not as specific advice to any particular person. Reach out to us at: https://helpmywealth.com.au/contact/ Host: Stephen Logan from Logan Property Group : https://www.loganpropertygroup.com.au Guest: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au Contact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/ Watch the podcast video:

Help My Wealth and the Money Rules OR Money Rules Podcast are all about “Empowering your Financial Journey” As part of our “Meet The HMW Team” Series, today we talk to Hamish Ferguson. Hamish authored and presented our iLearning series on “Investments.” Hamish has been in Financial Services since 2001, initially as a Mortgage Broker, then dual-qualified as a Financial Adviser in 2007. As an advocate for ‘’loving the client’’, he receives great satisfaction in assisting clients to get ahead financially and helping them become more comfortable in their decision-making. He believes that everyone should have someone they trust for solid financial advice. It is a shame that statistics show that only 30% of families use an adviser or professional to help them through life. Hamish is one of Help My Wealth’s experienced professionals and founding members. This material has been prepared for general information purposes only and not as specific advice to any particular person. Reach out to us at: https://helpmywealth.com.au/contact/ Host: Stephen Logan from Logan Property Group : https://www.loganpropertygroup.com.auGuest: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au Contact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/ Watch the podcast video: https://youtu.be/QXTcxhjExBE

Help My Wealth and the Money Rules OR Money Rules Podcast is all about “Empowering your Financial Journey” and on this episode, have three experienced professionals in one room to discuss the investment journey, primarily around real estate. Dave Lennox, Hamish Ferguson, and Stephen Logan discuss loan serviceability in the current climate, property cycles and where we are at, understanding risk profiling and your investment appetite and much more. Dave Lennox: Dave Lennox co-founded Vision Property and Finance over 20 years ago; he is a Charted Accountant and a Mortgage Broker. Through Vision Property and Finance, David and his team have helped many thousands of Australians build a property portfolio. He now spends much of his time mentoring new entrants in the broking industry. David's philosophy of constant improvement has helped Vision Property and Finance become the dynamic trustworthy business it remains today. Hamish Ferguson: Hamish has been in Financial Services since 2001, initially as a Mortgage Broker, then dual-qualified as a Financial Adviser in 2007. As an advocate for ‘’loving the client’’, he receives great satisfaction in assisting clients to get ahead financially and helping them become more comfortable in their decision-making. He believes that everyone should have someone they trust for solid financial advice. Stephen Logan: Stephen is an Accredited Property Investment Advisor with The Property Investment Association of Australia (PIAA). He has been a Licensed Real Estate Agent: Class 1 (Sales, Buyers Agent and Business Broker) and since 2015, he has specialised in residential investment through the Logan Property Group. Stephen has been a mentor and coach for over ten years and is passionate about journeying with people and helping them create a better future for themselves and their families. Hamish and Stephen are Help My Wealth’s founding members. This material has been prepared for general information purposes only and not as specific advice to any particular person. Reach out to us at: https://helpmywealth.com.au/contact/ Host: Stephen Logan from Logan Property Group : https://www.loganpropertygroup.com.auGuest: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au Contact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/ Watch the podcast video: https://youtu.be/7d-Y7-bzk9k