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vital that you both believe in yourself and keep yourself accountable.

      Don't compare your performance with others' and try to keep up with other people. Think rather, ‘Yes, I've achieved some good goals here and I'm happy about that.’ I'm not suggesting you rest on your laurels, because I think we should always strive for something better. But equally, you shouldn't go through life thinking, I need more, I need to do better, but I'm never going to get there.

      It's also very important that you believe in your dream, and in yourself, and keep working towards it while not being swayed by naysayers.

      When I was still teaching, a lot of people told me, ‘Investing is too risky — you're not going to make it.’ Once I had four or five properties people said, ‘Oh, don't buy any more — you'll go bankrupt!’ But all the time I was educating myself and setting achievable goals. I knew my strategy was sound. I was confident I would be successful down the track because I knew I'd work hard until I got there. I backed myself.

      

CASE STUDY THIS NEW INVESTOR'S GOALS CHANGED WHILE SHE WAS ON MATERNITY LEAVE

      One client's story — of how while on maternity leave with her second child she took the reins of the family's financial planning — stands out for me.

      Jane had a successful career, having worked her way up over 10 years in the corporate sector. She and her husband had been considering buying an investment property for a while and had been saving for a deposit for at least two years. But her savings were accumulating very slowly, on a low interest rate, and didn't reflect how hard she had worked and saved.

      But buying an investment property can be hard. Jane did some research on where to buy and what they could afford. She soon realised that budget limitations meant she'd have to purchase in another state. She wanted to ensure she did it right first time and didn't fall for any sales tactics or traps.

      With a new baby, of course it was going to be difficult to do property inspections, especially for an investment property that wasn't close to where the family lived. So Jane employed Aus Property Professionals, and we helped her throughout the process.

      Jane came to us with a budget of $450 000. I did a lot of the research and due diligence to ensure she bought in an area that was primed for growth. We chose one of the outer-ring suburbs of Brisbane for Jane's purchase. This was based on the planned infrastructure, which would fuel jobs growth in the area, and the population growth forecast for the suburb.

      It was difficult to find properties in such a good area of a capital city that would be affordable, given Jane's budget. I searched both on and off market for something suitable. I considered but dismissed more than 10 properties, either because they were over budget or because they weren't ‘investment-grade’ properties. (I discuss what makes an investment-grade property in chapter 10.)

      I ensured that the contracts were signed on the most favourable terms for her, including a ‘subject to building and pest inspection’ clause and a 60-day (rather than a 35-day) settlement period.

      An excellent valuation of $540 000 just 12 months later demonstrated that we'd bought this property at the right time in the cycle, when the markets were beginning a growth phase.

      Jane is now on the right path to building a positively geared property portfolio that will give her the freedom to make financial choices, such as working part-time so she can spend more time with her children, sending them to private schools and taking the family on an annual holiday.

      THE NUMBERS

Property purchase price: $425 000
Stamp duty: $14 619
Legal costs: $1550
Building and pest inspection: $660
TOTAL PURCHASE COSTS: $441 829
Rent per week: $470
Yield: 5.75 per cent (excellent for a capital city)
Independent valuation results (12 months later): $540 000
EQUITY GROWTH ACHIEVED IN THE FIRST 12 MONTHS: $98 171

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