We managed to save $24 000 over the last 6 months and that doesn't include our tax refund or cash earnings either.

We managed to save $24 000 over the last 6 months and that doesn't include our tax refund or cash earnings either.


“Hoping you all had a lovely Christmas. WA was absolutely perfect for us, very peaceful and lazy.
Back at work this week and homework done.
We managed to save $24 000 over the last 6 months and that doesn't include our tax refund or cash earnings either. We're very satisfied with how we've weathered the GFC despite our reduced investment performance.

Happy New Year John!

Sue”

Yes we do have success when clients have success. We find that clients who do their monthly homework do have success as their homework helps them understand & achieve our active wealth strategy.

It is actually part of a very simple strategy where they pay their mortgage before they pay themselves. When we look at their HW we note $16,726 from dividends & taxx refund which accelerates their mortgage reduction even further.
These are average clients i.e. a public servant, working spouse & 2 expensive boys in later years of schooling.

As recent job figures suggest that iinterest rates might climb another 0.75% then it makes sense to reduce debt as fast as you can. However the key do doing so is the strategy & capturing the lost $3,068 that average families can’t define over a year. Also capturing the second income would make, no does make, a serious dent in the mortgage.

What about the dividends & taxx refund. Well as super is legislated & has taxx concessions it poses government risk of manipulation. It also doesn’t provide an additional income to reduce your mortgage debt. Hence even more restructuring & coaching is required to reduce both rates & taxx over time.

The reality is that your super maybe inaccessible & the government pension [which is a Ponzi scheme] is now not available to age 67. Hence additional capital is necessary & on average we aim to achieve an additional ½ million [today’s $] for clients.

We are not mortgage brokers but a non aligned wealth coach with an AFSL. Recall the bank or mortgage broker flogs the loan & paying it back is your challenge. We also read 15/01/10 that customers of the big four banks are unhappy. Well the big four will be happy if you stay with them. Fixing rates only handcuffs you to the bank & those with a rental property usually could be structured more efficiently.

We expect these clients to have their bad mortgage debt to Zero by the next Christmas break. We imagine these clients will really enjoy that holiday. They do have a reasonable lifestyle.

Yes there are other testimonials on our websites that may help you make the next step.

Welcome to call on 07 3848 1088, email or book on our websites.

John McAuliffe