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The Cash Flow on Demand with Covered Calls Course is designed to provide all of the tools and support needed for anyone looking to trade the stock and options markets. One of the biggest advantages of options as a trading tool, is their flexibility, providing the opportunity for profit potential whichever way the market is going – up, down or sideways!

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Cashflow on Demand - Australian Investment Education

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Cashflow on Demand with Covered Calls Learn how to trade Options with Covered Calls Course Lectures 40 Video 8.5 Hours Skill level All Levels Languages English Includes Lifetime Access Available on: Enrol in this Course Cashflow on Demand with Covered Calls Learn how to trade Options with Covered Calls Course Lectures 40 Video 8.5 Hours ...

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Setting Your Goals & SuccessPlan Up For 2023

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Setting Your Goals & SuccessPlan Up For 2023

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In our first episode of season 4, we look towards the year to come and map out what 2023 may look like. Join us as we dive in to some potential goals you might have and some tips on setting some goals to get you heading in the right direction this year:

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Setting Your Goals & SuccessPlan Up For 2023

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Join us as we dive in to some potential goals you might have and some tips on setting your goals to get you heading in the right direction.

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Workplace Burnout: Symptoms, Signs, Recovery and Change

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Workplace Burnout: Symptoms, Signs, Recovery and Change

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In our first episode of season 4, we look towards the year to come and map out what 2023 may look like. Join us as we dive in to some potential goals you might have and some tips on setting some goals to get you heading in the right direction this year:

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Setting Your Goals & SuccessPlan Up For 2023

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Join us as we dive in to some potential goals you might have and some tips on setting your goals to get you heading in the right direction.

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Trading Calendars - Australian Investment Education 

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Trading Calendars - Australian Investment Education 

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The importance of a trading calendar is often overlooked by those actively in the market. The key to successful trading is being organised and layering multiple tools and skills on top of each other and a comprehensive trading calendar and knowing what is coming is an integral part of that. Tune in this week on why trading calendars are so important and how to set one up:

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The importance of a trading calendar is often overlooked by those actively in the market. The key to successful trading is being organised and layering multiple tools and skills on top of each other and a comprehensive trading calendar and knowing what is coming is an integral part of that. Tune in this week on why trading calendars are so important and how to set one up:
Broad Market Focuses
In uncertain market periods, investors look to the release of economic data to gauge where the market is at, and where it might be headed. Major data points can have major impacts on the market and quite often it is the risk you were not aware of that is the biggest. Host Andrew Baxter notes that there are some key ones you should be on the lookout for, particularly now when economic conditions are the main focus. Consumer Price Index and Producer Price Index come to mind, along with employment data and housing starts. Standalone, these fragments of data do not provide all the answers, but by combining them all we can try to deduce where we think the market might be going and position ourselves around that. Adding these dates to your trading calendar will ensure you are not taken by surprise when these key data figures could heavily impact your portfolio. Thankfully, release dates are generally advertised, giving you ample opportunity to make sure those key dates are in your calendar.
Positioning Yourself in the Lead Up
Depending on what sort of investor or trader you want to be, there are different ways to position yourself ahead of these major announcements. If you're in the stock space, Host Andrew Baxter suggests closely watching for any inflation data such as CPI, PPI or other official inflation figures. We have seen inflation wreaking havoc with the cost of living as well as in the stock market. Without specifically targeting stocks, you can take advantage by trading on the volatility or on what you may think occur within the bond market. When we see pressures in the economy for central banks to increase interest rates, we will generally see bond prices come down and thus bond yields move higher. There is a US security with the code TBT which tracks the movement of bond yields in the market and you can use this as a way of trading on these major news events without necessarily exposing yourself to individual stocks. Likewise, you can trade volatility by way of VIXY or UVXY in predicting whether the market will become more or less volatile. Higher volatility also gives us a chance for improved cash for options in the market which is another thing we can use to our advantage. Hedging is another method we can use to protect ourselves against any major news events that may impact our positions. Either using options or simply entering into an ETF that is short on the overall market could be effective as a means of protecting ourselves should we see some downside in the market.
Stock Specific Announcements
There are a number of announcements that are released throughout the year on specific stocks. Sometimes we might wake up and see that our stock was down 10% and start to panic but in reality it has just gone ex-dividend. Host explains the really major one to be aware of is the earnings dates. Earnings reports can introduce some chaos into the market because investors simply do not know how a company has performed until it has been released, and market reactions can be quite extreme. Key dates such as these are publicised in advance but can every now and then change at the last minute. It is important to be on top of when these dates are and to have them in our calendar so we do not get stuck with a stock we don't want through earnings. Of course, there are some surprise announcements every now and then which can have a large impact on a stock but it's key to plan around the information we do have. When a company makes a surprise announcement, the uncertainty can create volatility and may not be predictable. These sorts of things will happen, but unfortunately there's not a lot we can do to plan for those.
Seasonals
Seasonal data shows us how certain stocks or indexes have performed over a given period. Host Andrew Baxter notes that September, for example, is the statistically weakest month for the major indices in the US. Seasonals are not always great standalone because circumstances can change, but it is a handy tool to add into our trading calendar. We can make note of when it is typically strong for a security or when we may want to avoid putting our money there. Making note of these periods is helpful for us when also considering the economic climate as well as other key dates approaching in our calendars. Heading into the European winter, for example, we have seasonal demand for more natural gas and oil for heating. By layering these forms of analysis up, you are giving yourself a great opportunity to trade effectively. You can do this with a simple calendar and writing in these key dates which might be tedious, but you will thank yourself in the future!

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Trading Calendars - Australian Investment Education

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The importance of a trading calendar is often overlooked by those actively in the market. The key to successful trading is being organis…

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4 Types of Timeframe Investing A common theme in our podcast is adapting to the current environment and selecting strategies [...]

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Earnings Preview - Australian Investment Education

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Earnings Preview - Australian Investment Education

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Months of anticipation will finally be satisfied as companies across the US show investors how their business has been affected amidst rising inflation and surging interest rates. Join us this week as we run through what might happen:

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We are now in the US earnings season. Months of anticipation will finally be satisfied as companies across the US show investors how their business has been affected amidst rising inflation and surging interest rates. Join us this week as we run through what might happen:

What is the Earnings Season?

Once every quarter in the US, publicly listed companies are required to release their earnings. In Australia, companies are only required to report earnings every 6 months. This is done over the course of about a month and offers current and potential investors the chance to see how a business has performed. Host Andrew Baxter is particularly intrigued this time round given the current conditions of the economy making the business world a very tricky place to navigate. It will certainly be interesting to see how companies have performed with increased interest rates and inflation remaining a major issue to contend with. If you're a stakeholder in a company, it can be daunting to hear what's been happening knowing that the stock may tank, but in the end it is very useful information for you and for the market as a whole.

The Effect of Higher Interest Rates

Across the world, interest rates have been going up quite quickly as central banks have been trying to bring down inflation. The reason is that, as Host Andrew Baxter explains, higher interest rates tend to have the effect of slowing everything down in an economy. Companies can be adversely affected by this in a couple of different ways. Firstly, they can be hurt by consumers not having as much disposable income as previously in order to be able to service their debts. This then results in lower sales and weaker earnings for the companies. From the business perspective, companies pursuing growth in their chosen field may struggle somewhat as the cost of debt is increasing. As such, the cost of repayments increases along with higher interest rates, putting more pressure on companies in this sort of predicament. As costs increase, the money has to be found somewhere. If consumers are spending less, this then puts a squeeze on profit margins and can really sting the bottom line for the company.

The US dollar has strengthened quite significantly against some of the world's other major currencies. notes this is often the case in countries where interest rates are going up that the currency should follow. The impacts this can have on American based companies can vary. Firstly, because the dollar has appreciated, goods they export to overseas buyers have now become more expensive to produce so they are met with the choice of either absorbing the higher expenses and holding prices or passing on the expense to the buyers. Navigating this space can be tricky as the thing that springs to mind is to increase your prices, but if you do that you run the risk of being uncompetitive in terms of pricing in what is now a truly global market. This is a challenge we may see manifested in some of the earnings results set to come out this quarter.

Raw materials, labour and other expenses for businesses increasing present even more challenges for businesses in the current economy. This differs between services companies and manufacturing companies and Host Andrew Baxter explains how. Manufacturers must buy physical raw materials in order to produce their product and would typically need to pay for the energy required to facilitate it. Energy costs are extremely high at the moment with the cost of coal at nearly all-time highs. Again, as a business owner you're faced with a choice of absorbing the cost and eating into your margins or passing on the expense to the consumer. The service industry is slightly different. Labour costs are the primary costs for services and this can come in the form of wage pressure. Current unemployment in the US and Australia is very low and there is plenty of pressure trying to push wages higher. Again, money for increased wages has to come from somewhere and there is only so much you can pass onto your buyers.

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Earnings Preview - Australian Investment Education

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We are now in the US earnings season. Months of anticipation will finally be satisfied as companies across the US show investors how the...

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Why Having a Sector Rotation Strategy is so Important - Australian Investment Education

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Why Having a Sector Rotation Strategy is so Important - Australian Investment Education

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The buzzword of ‘sector rotation’ has one mentioned by investors across markets. As we start to see the end of the Coronavirus pandemic. With biotechnology companies announcing new vaccines, our road to economic recovery looks much clearer, and thus our fundamental view on sectors ever-changing. Here’s why sector rotation is so important and how you can profit from these kinds of big stories:

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The buzzword of 'sector rotation' has one mentioned by investors across markets. As we start to see the end of the Coronavirus pandemic. With biotechnology companies announcing new vaccines, our road to economic recovery looks much clearer, and thus our fundamental view on sectors ever-changing. Here's why sector rotation is so important and how you can profit from these kinds of big stories:

What is sector rotation?

Unless you live under a rock you've probably seen or heard every news broadcast, radio or article talk about the buzzword of sector rotation right now. Out of one, into another.

Sector rotation, says host Andrew Baxter, is something quite tricky to understand however something that is critically important. So, what is sector rotation? Well, if you imagine a big cake that has been cut into slices. Each slice represents a sector that you are invested in with the cake acting as your entire portfolio. Some examples might be the banking sector, the tech sector, or the healthcare sector. With each sector having relevant stocks that operate within those particular industries.

Taking a look at the tech sector for example more specifically - this year we have seen technology stocks (ie. those listed on the NASDAQ) run up to the races amidst their ability to capitalise on people staying at home. Stocks like Zoom and Amazon are two that have particularly been performing over the last 6 months, just to name a few. Rotating into the tech sector is something many investors have been incredibly profitable from, simply by understanding the key points below.

Why is sector rotation so important?

Sector rotation is critically important for any active investor who is looking to be profitable and capitalise on market trends. Think about riding a bike. For example - it's much easier to ride with a tailwind behind you than it is into a headwind. Investing in sectors is much the same. Host Andrew Baxter says rolling with the money flow in the market is an easy way to make money. As here you don't have to be a great stock picker, rather someone who understands what sectors are performing and which ones aren't.

This really comes down to understanding the news flow and being across your fundamental analysis. A good example is a more recent one when biotechnology company, Pfizer (PFE: NYSE). Announced a 90% effective COVID-19 vaccine for clinical use. With this, markets rotated out of your 'stay at home' tech stocks into more economically sensitive stocks. Including those in the banking sector and travel sector as our economic road. To recovery becomes much more likely and certainly much quicker.

How do you choose the right sectors?

Dusting off one of the old-school tricks from host Andrew Baxter's playbook is a tool known as On Balance Volume (OBV). This is a technical indicator designed to indicate whether or not a stock has been experiencing buying pressure or selling pressure. Which quite simply can be used to identify upwards trends in the market over a given period of time.

Couple this with some fundamental analysis and brief economic study - BOOM! You've got your sector rotation strategy. From here, you can begin to invest in specific sector Exchange Traded Funds (ETF's) for a more diversified approach. Or instead, look for better performing individual stocks within your chosen sector. This is something Andrew teaches through Australian Investment Education.

How do you get started in sector rotation?

Rotating from one sector to another based on market money flow may seem simple on the surface, however, when you really get down to the nuts and bolts of it this is one of the most crucially important areas of any investor's trading plan. Typically, you'll find the beauty of one sector is also its poison chalice when taking into account the endless amounts of fundamental and economic information available to investors. Sifting through this information effectively so that you can pick the best performing sectors to capitalise on this market is something you too can learn through Australian Investment Education.

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Why Having a Sector Rotation Strategy is so Important - Australian Investment Education

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The buzzword of 'sector rotation' has one mentioned by investors across markets. As we start to see the end of the Coronavirus pandemic. With biotechnology companies announcing new vaccines, our road to economic recovery looks much clearer, and thus our fundamental view on sectors ever-changing.

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General Motors Shuts Down Their Holden Operation - Australian Investment Education

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General Motors Shuts Down Their Holden Operation - Australian Investment Education

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Let’s make this clear – this isn’t a government bashing session, that would be too easy. Nonetheless it is important to know that in 2013, $2.13b of Aussie tax-payer dollars was funnelled into Holden to keep the brand afloat under the Abbott government. Fast forward to December 2019 and here we see the Morrison government has replaced all of their Holden government cars with Toyotas and BMW’s.

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General Motors Shuts Down Their Holden Operation

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General Motors Shuts Down Their Holden Operation

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Crypto Capitulation - Money and Investing with Andrew Baxter

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Crypto Capitulation - Money and Investing with Andrew Baxter

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Cryptocurrency has always been a point of contention in the investment space with crypto bulls and naysayers going toe to toe for years. Recently, major cryptocurrencies have capitulated with enormous losses. Join us in today’s podcast as we explore the reasons behind the fall:

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Cryptocurrency has always been a point of contention in the investment space with crypto bulls and naysayers going toe to toe for years. Recently, major cryptocurrencies have capitulated with enormous losses. Join us in today's podcast as we explore the reasons behind the fall:

Major Problems For Investors
When this episode was filmed, Bitcoin dropped as far as 73% from its highs following a colossal drop across the crypto market. Host explains his main qualm with the crypto space in that the marketing over the last few years in particular has been so effective in drawing people in who perhaps are not well-informed on the market. Adding to the issue is the fact that there is no real regulation surrounding crypto and when anything goes, it is hard to discern the truth from sales puff. The result, which we have seen now, is millions of people losing enormous sums of money because they did not understand the risks. Many of those wanting to take their money and run are unable to do so because some of the exchanges are experiencing liquidity and insolvency issues following the huge collapse. For example, Coinbase is a US listed company which has come off significantly following the cryptocurrency price drops and continues to tumble.

The Main Reasons for Crypto's Drop
Since its inception, crypto zealots have expressed the myriad of advantages and safe haven uses for crypto in your investment strategy. We have all heard that crypto is an inflation hedge because it isn't tied to other assets but Host Andrew Baxter knows that this simply is not the case. We have touched on current levels of inflation in our podcast previously and inflation has been all over the news for the last few months. In that same period is where we have seen cryptocurrency drop more than most other assets and like gold, the results have shown that it simply is not a good hedge against inflation. Asset allocation is another argument regularly touted in favour of crypto currency but again, Andrew Baxter has his doubts. Managed funds had moved towards larger and larger allocations of crypto in their portfolios while the market was booming, but they have suffered the consequences of recent falls. The tough times in the market have revealed a clear correlation between the S&P and the crypto space, albeit a more amplified version. Though you might see larger gains when times are good in crypto, the losses you incur will be painful. Keep in mind, this has happened before. A few years ago we saw the Fed increase interest rates and we saw crypto sell off by about 75%. Once again, Fed rate hikes have hurt crypto and with more looming, one might suspect the pain to continue.

Crypto Mining - Supply and Demand
Co-host Mitch Olarenshaw points out that rising energy costs have meant crypto mining costs have also increased significantly. As a result, less of it is mined. So wouldn't this mean supply drops so prices should increase. Host Andrew Baxter explains that there is greater context surrounding the drops regardless of less mining occurring. Although there is less supply, less demand cancels out investors' appetite for crypto while they continue to lick their wounds.

Where to Now for Cryptocurrency?
Usually a news piece causes a ripple effect across the market. Host Andrew Baxter points out that there is bad news coming from everywhere sending multiple waves throughout the economy. The next 6 months are uncertain for crypto, but it is unlikely that the headwinds of higher costs of capital and increasing interest rates have eased just yet. It may seem cheap now relative to where it was, but the reality is that it was so overpriced it perhaps where it is now is actually fair value. opinion - we may or may not see crypto come back, what do you think?

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Crypto Capitulation - Money and Investing with Andrew Baxter

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Cryptocurrency has always been a point of contention in the investment space with crypto bulls and naysayers going toe to toe for years. Recently, major cryptocurrencies have capitulated with enormous losses.

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A common theme in our podcast is adapting to the current environment and selecting strategies is no different. Join us in this week's episode as we look at 4 different types of timeframe investing and what conditions might be most suitable for each:

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4 Types of Timeframe Investing - Australian Investment Education

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A common theme in our podcast is adapting to the current environment and selecting strategies is no different. Join us in this week's episode as we look at 4 different types of timeframe investing and what conditions might be most suitable for each:

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Has Inflation Peaked? – Money and Investing with Andrew Baxter

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Has Inflation Peaked? – Money and Investing with Andrew Baxter

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Inflation has been the word on every investor’s lips for the past few months with governments taking measures to slow it down. Some believe that inflation is at a level now where it has peaked and it won’t go any higher. Host Andrew Baxter is not so sure, listen in to this week’s podcast to find out why

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Inflation has been the word on every investor's lips for the past few months with governments taking measures to slow it down. Some believe that inflation is at a level now where it has peaked and it won't go any higher. Host Andrew Baxter is not so sure, listen in to this week's podcast to find out why.

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How To Approach Tax Time – AKA The End Of Financial Year

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How To Approach Tax Time – AKA The End Of Financial Year

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How To Approach Tax Time? As we approach the end of the financial year on June 30th, many checks and balances get into place so that you can make the most of your money and the least of your tax. Below is your guide on how to make this end financial year count:

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How To Approach Tax Time - AKA The End Of Financial Year

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How To Approach Tax Time - AKA The End Of Financial Year? Below is your guide on how to make this end financial year count:

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Election Reaction - Money and Investing with Andrew Baxter

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Election Reaction - Money and Investing with Andrew Baxter

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As you would have heard, Anthony Albanese for the Labor Party is the new Prime Minister of Australia. Join us for this week’s episode where we talk through all of the major takeaways from the election itself, and what Labor’s Australia might look like over the next few years.

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As you would have heard, Anthony Albanese for the Labor Party is the new Prime Minister of Australia. Join us for this week's episode where we talk through all of the major takeaways from the election itself, and what Labor's Australia might look like over the next few years.

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A common theme in our podcast is adapting to the current environment and selecting strategies is no different. Join us in this week’s episode as we look at 4 different types of timeframe investing and what conditions might be most suitable for each:

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4 Types of Timeframe Investing A common theme in our podcast is adapting to the current environment and selecting strategies [...]

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Irrational Economics: Amidst the Coronavirus Pandemic, the economic statistics versus the economic narratives are painting two very different pictures. Our perceptions and opinions of what's actually going on seem outrageously irrational given some statistics we have before us, here's why:

Concentrated confusion

Any investor knows that you need to have confidence to successfully invest. Confidence means being certain, and as we all know - markets love certainty. The anecdotal evidence of our economic state seems to be rather different from how the statistics paint us. This means planting the flag in one spot as an investor becomes awfully challenging and anything but certain.

Australia is experiencing a record rate of real unemployment yet has a 7-year high consumer confidence figure. Our property market is booming yet 1 in 7 rental properties have been left without a tenant. As host Andrew Baxter states, it just simply doesn't make sense.

The real rate of unemployment

Let's face it - If you're working hours a month are you really employed? Our answer - definitely not. Right now, here in Australia, our real rate of unemployment (including underemployment) sits at around about 13.5%. A record high. With this, for every available job right now there are over 12 applicants on average.

This means the potential for people getting back into the workforce is also extremely low as demand exceeds supply in the job market. Despite this, says host Andrew Baxter, there is so much government subsidy out there particularly with incentives to hire young people. The question arises, why aren't employers hiring when they can be paid to do so?

Business uncertainty

The reason any business becomes successful because they are looking forward. As a wise man once said - you don't drive your car looking out the rear mirrors, you look at the windscreen looking what's coming towards you. As a business owner this becomes awfully challenging due to the high degree of uncertainty amidst the COVID-19 and election environments, posing tough economic conditions - how do you forward look with any with predictability if the road is constantly changing?

At this point, businesses can't be sure whether or not borders will remain open or closed. It's unsure what kind of subsidies they qualify for (if any), or where the future direction of our economy lies with any real certainty. For example, if you're out of business because a premier decides on 'no tourists', this is not any fault of yours and rather a result of unprecedented environmental change.

Interest rates and inflation

For only the third time in Australian history, this June our rate of inflation fell to a negative rate. This meant the prices of goods and services were going down, not up. At present, the inflation rate has jumped back up to an annualized 0.3% - well below the norm of 2-4%. Thinking about this anecdotally, it doesn't really feel any cheaper to buy anything, does it?

Looking now at interest rates, RBA cut a record low of 0.1% to provide an incentive for people to borrow.

With that, we have seen a soaring property market and rental yields through the roof. How is that possible when there are basically no overseas buyers and unemployment at record highs? Quite frankly, the headlines don't match the anecdotes.

The stock market is off to the races

Post US Democratic election win by (almost) President, Joe Biden, the stock market has been soaring to new highs. Despite, statistics presented in the post and the negative anecdotes, the stock market has continued to rally to the races.

Host Andrew Baxter thinks the market is going in absence of Donald Trump's Tweets causing the market to go bananas. Realistically, it's quite weird that the stock market soaring yet our economy is knees as per the numbers.

The consumers are confident, and they're spending

To now finish on a much more positive note. Based on the statistics we have a 7-year high consumer confidence figure and extremely high consumer spending. It almost feels like people are spending money like it's going out of fashion. Almost to the point where we are spending ourselves out of the recession. Credit card debt is also 25% lower than average this year, meaning less people are in high interest debt.

The question arises, how is this possible when so many are unemployed, and the business waters are so murky? In any case, host Andrew Baxter thinks a recession shouldn't be completely defined by the numbers - it needs to include how people feel and how they act. Relying on a simple GDP figure to tell us how we are tracking economically as a nation is an exercise that ignores the anecdotes of our people, which is arguably just as important.

Whatever you do, don't be looking too hard at the negatives because real assets like property and shares are soaring - something Andrews team Australian Investment Education have been enjoying the profits of this whole year.

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Irrational Economics: The Numbers Vs. The Narratives

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Irrational Economics: Amidst the Coronavirus Pandemic, the economic statistics versus the economic narratives are painting two very different pictures. Our perceptions and opinions of what's actually going on seem outrageously irrational given some statistics we have before us, here's why: Concentrated confusion Any investor knows that you need to have confidence to successfully invest.

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Money and Kids: The game of winning money can become all the more harder when you factor in having kids, so how do you plant the right DNA within them to set them up to be reach the goal of financial freedom?

It all starts with your financial DNA

Truth be told – having kids is not easy. Especially when you are trying to teach them to have a good relationship with money from an early age. Money and kids can spell disaster if you haven’t planned properly for it. The decision to support them fully, maybe give them pocket money or simply let them fend for themselves is arguable amongst varying families.

As host Andrew Baxter highlights, the example we give our kids through our own relationship with money serves as a DNA plant, often determining their future habits. If you want to learn more about YOUR financial DNA, check out My Financial DNA. It is true that history does have a tendency to repeat itself.

Baby Budgeting

How and where you chose to spend your money can leave you in vastly different financial positions. As we all know, having savings for both safety and for investing is the smart way to play your income game, getting your money to work harder for you. (For tips on how to allocate your money properly, check out Andrew’s first podcast: Asset Allocation – where to put your money).

Spending less than what you earn may seem trivial to most, but is one of the biggest problems facing modern-day Australian families. By teaching our kids to both save and budget from an early age, their money can start working harder much quicker than yours did. This ultimately sets them up for financial success in the long-term.

Pocket money or child-welfare?

If you find your kids week in and week out, asking for money without doing anything for it – be careful because you may be teaching them to fail. We all live in the real-world therefore all know that money for nothing simply doesn’t exist. So the question to follow, why do that for our kids? Therefore it is important to teach them that money just doesn’t grow on the bank of mum and dad. That being said, pocket money in exchange for chores and good behaviour will help them see that hard work equals good rewards. It will also make them feel both independent and appreciated.money and kids

Incentivised Income

When it comes to money and kids, the balance can be difficult. If your child is too young to get a job but you are still looking to teach them the value of money – incentivising them for actually doing something beneficial may be the better way to go. For example, rewarding your kids for reading a book or doing house-hold chores are a betters ways to make them earn their cash. Plus, who wouldn’t like their windows cleaned or lawn mowed – especially when it teaches kids that money has an inherent value.

Co-host Mitch Olarenshaw shares his childhood experience where he was remunerated for getting A’s on his report card by his parents – no wonder he is so smart today!

Support their dreams – don’t steal them

There is no doubt that we want our kids to have dreams in life, especially some strong aspirations in a money sense. However, by spoon feeding our kids these dreams of cars, toys or other things that they probably don’t necessarily need, you may be stealing their drive and their hunger to do well. You always want what you can’t have, so by giving your child a Range Rover at 17 years old may teach them poor a work ethic. Especially given that they already have everything – there is nothing to work for.

As Andrew Baxter highlights, it is about creating a solid unit within your family that has strong values surrounding work ethic and money. By teaching our kids a balance between hard-work and reward from an early age is what he believes to be the strategy to set your kids up for financial success. Who knows – maybe one day they will be able to manage their money better than what you do.

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Money & Kids: Teaching Your Kids to Manage Their Money

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Money and Kids: The game of winning money can become all the more harder when you factor in having kids, so how do you plant the right DNA...

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The All-Round Investor
Life has many different dimensions from your work, your ongoing wealth building, relationships and many others. Join us this week as we dive into the value in becoming an all-round investor in every aspect of your life and listen in for some tips on how:

Investing in Your Partner
Never underestimate the value of having a stable home life with a strong relationship. Although it sounds simple it is something that takes time and a lot of work. When you get married you’re not only committing to the one you love emotionally but financially as well. Host Andrew Baxter recalls a recent podcast where his father joined us as a special guest. One of the key takeaways from the conversation, as well as likely many previously between the pair, was to avoid divorce at all costs. After the years and relentless effort it takes to build up your wealth, if you have any sense the last thing you want to do is hand over half or more to someone you are no longer with. That’s why making your partner is a priority. If you build and strengthen your relationship as well as cherish your partner, then you’re far more likely to last in the relationship and thus retain your wealth. Andrew’s advice – make time for quality time with your partner and make them a priority.

Investing in Health
We all want to be successful in our work and become financially independent. One way we can help ourselves to achieve our goals and be able to enjoy it is to ensure we are healthy. Host Andrew Baxter says “you don’t want to be the richest person in the cemetery” which I am sure everyone can relate to. Prioritising physical exercise can boost not only our physical health, but in turn our mental health and allow us to consistently perform at our best. Making time for exercise gives us a distraction from our day-to-day and other pressing tasks and ultimately regroup and recharge to be able to tackle those issues with a fresh mind. Like relationships, Host Andrew Baxter strongly suggests making your physical health a priority so that you can see the impact it has on the rest of your life.

Time and Organisation
Time management and organisation is a cornerstone for many, including Host Andrew Baxter. Everyone is busy, but at the end of the day if something is a priority we will make time for it. Being busy is usually great, but there is a difference between productive business and being busy and out of control. Being busy when things are spiralling out of control is exhausting, and over an extended period is not sustainable. Planning and segmenting your time will not only give you direction on what needs to be done and when, but will ultimately relieve some stress and exhaustion you may have been dealing with when disorganised and in a frenzy trying to get everything done. Execution is vital to achieving results, but taking the time to effectively plan before acting is where great results are achieved.

Budgeting
Most people have a reasonable understanding of how much they are earning and how to budget, but really focusing on this process is a major help in the long run. Host Andrew Baxter suggests knowing what you have coming in the door in terms of post-tax income is a good starting point. Then the fixed costs. Once we know what our fixed costs are, we can then work toward saving on variable costs and saving, which according to Andrew, is as good as a profit. Now you will have a good view of your situation and can start cutting out dead money – perhaps cutting down on subscriptions to streaming services. You’ll know if you’re spending your money wisely if you can see some benefits or gains on the back of where it’s being spent. From the sentiment of The Richest Man in Babylon – pay yourself first and over the long-term you will see what smart budgeting can do for the bottom line.

Invest in Yourself
The famous Tony Robins says “if you’re not growing, you’re dead.” Investing in your own development and education is a great way to boost your future. You become more employable as well as more confident and competent which can only lead to great results. Keeping your brain working is important because if you don’t use it – you lose it. Host Andrew Baxter suggests hobbies as a great form of investing in yourself, in his case it is now organic farming but for you it may be chess or golf. There is always something new to learn, even if it is outside the scope of what you do for work.

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Life has many different dimensions from your work, your ongoing wealth building, relationships and many others. Join us this week as we dive into the value in becoming an all-round investor in every aspect of your life and listen in for some tips on how:

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It wouldn’t be an episode chatting about a property if we didn’t cover just how unaffordable it. And over-inflated property prices are right now. In what was covered in podcast episode number 26. And host Andrew Baxter makes mention of just how hard it is to get into the market. Now, we’re see over 64% of first homebuyers bankroll by Mum and Dad. To the average amount of a whopping $94,000 just to get them to start.

And with interest rates so artificially low. Also, we’ve seen the property market propelled to extremely overvalued levels. In what is has all-encompassing growth across regional. And urban areas in Australia. Now, over two thirds of Aussies own their own property – a staggering statistics considering the circumstances.

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In what is a hot potato property market with over-inflated prices and high barriers to entry. As we approach an election, we're starting to see politics play a large part in our market. Here's how the most recent property policies are affecting our market: Property is Expensive, Like Really Expensive
It wouldn't be an episode chatting about a property if we didn't cover just how unaffordable it. And over-inflated property prices are right now. In what was covered in podcast episode number 26. And host Andrew Baxter makes mention of just how hard it is to get into the market. Now, we're see over 64% of first homebuyers bankroll by Mum and Dad. To the average amount of a whopping $94,000 just to get them to start.

And with interest rates so artificially low. Also, we've seen the property market propelled to extremely overvalued levels. In what is has all-encompassing growth across regional. And urban areas in Australia. Now, over two thirds of Aussies own their own property - a staggering statistics considering the circumstances.
Property Investors are Going Gangbusters, Labour Party Drops Ball
Property market investors really have been the catalysts driving this market upwards. Why? The cost of borrowing is so cheap with interest rates so low, meaning investors have a perfect storm situation being able to gear up. And funnel equity from one property to another. Also, interestingly enough. The labour party for the last two elections have been pushing for an abolished negative gearing policy.

And concessions on capital gains tax which threatened this very strategy, to now doing a 180 degree turn. And completely dropping the ball. In what is arguably a 'Donald Trump like' election play based purely upon the popular opinion of voters. The Labour party now supports the exact opposite which has really only added fuel to the fire. Also, when it comes to buying up property.
If Interest Rates Rise
With the cost money being so cheap, many homeowners. And investors are simply over geared and overstretched. For example, if you were to move from a fixed 2-year rate of say 2-3% on your home loan to a variable rate - that's at least going to be 1% or so higher, even in these conditions. The risk is, says host Andrew Baxter , is if interest rates rise given current prices. And low wage growth. This is coming and it's due to one primary factor - inflation.

Yes, CPI has remained at relatively stable levels. However, if you look at the real cost of living (ie. filling up your car or paying for private health care) this has become prohibitively more expensive. When inflation pressures mount and thus interest rates rise. And the cost of servicing your debt becomes much more expensive. For anyone who's over geared or overstretched - you're going to have a hard time making those repayments.

The effect of this could be diabolical says Andrew Baxter as in the event people stop making repayments. Their homes are foreclosed and there's no government stimulus to prop it up - we may be looking at the next crash in the housing market. As people enter what is a negative equity situation.
Capital Growth, Income & Managing Risk
For any investor, whether it be property, shares or fixed income. And you should have three very clear goals - growth in the asset value, yield (or income). And an ability to manage risk. Right now, the property market is a one-way bet. Given prices are so overvalue. And there is such a lack of wage growth - there is no yield on property anymore.

Additionally, there's also no way to manage risk. And when it comes to owning an investment property. Thus, all you are really relying on is the thing going up in value. So how do you diversify and take some risk off the table amidst the hot potato property market? The answer - income from the stock market. In something like Cash Flow on Demand strategy you can generate an up-front. And immediate income from the stock market which can far supersede. That of the property market on an annualized basis - not to mention the ability to effectively manage risk. For anyone looking to explore their options, reach out to Australian Investment Education to learn more.

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In what is a hot potato property market with over-inflated prices and high barriers to entry. As we approach an election, we're starting to see politics play a large part in our market. Here's how the most recent property policies are affecting our market: Property is Expensive, Like Really Expensive It wouldn't be an episode chatting about a property if we didn't cover just how unaffordable it.

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How to Save on Your Mortgage - Australian Investment Education 

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How to Save on Your Mortgage - Australian Investment Education 

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Low interest rates have offered a great opportunity to investors to enter the market cheaply over the last few years, but that is about to change. In this week’s Money and Investing Show, tune in as host Andrew Baxter runs through some nifty ways to keep up on your repayments with higher interest rates:

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How to Save on Your Mortgage - Australian Investment Education

How to Save on Your Mortgage

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How to Save on Your Mortgage - Australian Investment Education

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How to Save on Your Mortgage Low interest rates have offered a great opportunity to investors to enter the market cheaply over the last f...

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Low interest rates have offered a great opportunity to investors to enter the market cheaply over the last few years, but that is about to change. In this week’s Money and Investing Show, tune in as host Andrew Baxter runs through some nifty ways to keep up on your repayments with higher interest rates:

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How to Save on Your Mortgage
Low interest rates have offered a great opportunity to investors to enter the market cheaply over the last few years, but that is about to change. In this week’s Money and Investing Show, tune in as host Andrew Baxter runs through some nifty ways to keep up on your repayments with higher interest rates:

Interest Rates and Mortgage Repayments
Interest rates have remained unchanged at very low levels for the last 10 years making it very cheap to borrow. As host Andrew Baxter points out however, those approaching the end of their fixed rate terms will be concerned in hearing that interest rates are soon to be increased in the US and swiftly followed by the Reserve Bank of Australia. Increased rates mean higher repayments, and higher repayments mean less money in your account to spend. In this podcast, join Andrew and Mitch as they explore some options to help soften the blow when the due dates for those upcoming repayments to keep up with.

Starting a Business
For homebuyers who are struggling to meet their mortgage repayments, an increase in income is a highly welcomed prospect. In many cases, the idea of a ‘dream job’ is centered around the concept of working for yourself. An added benefit for those that are successful can be the extra income you can make by virtue of owning your own business. Long-term business owner and host Andrew Baxter explains some of the difficulties associated with launching your own business such as the time it takes until you are generating cash flows after a major capital outlay and just how difficult it can be to figure out the key processes and ways of doing things that are necessary to making a business successful. All too often new and emerging businesses fail. Years of work can go into building a business to help you pay off your mortgage, then all of a sudden it fails and you have nothing to show for it.

Buying a Business
Operators who struggle to launch a business often revert to buying a business. Like starting a business, buying a business involves a major investment at the outset, but it does come with some benefits. Take franchises for example, you pay to take ownership over a business where you are provided with the day-to-day processes, equipment and activities which have been proven to generate cashflows for other franchisees. However, host Andrew Baxter points out that buying a business instead of building one prevents an owner from learning the intricacies of what leads into making that business successful. If you put something together, it is much easier to recognise the part that is missing than if you had somebody else assemble it for you.

Side Hustles
2021 was a truly strange year for professionals and businesses around the world. Millions of workers who were accustomed to working in an office every day were now confined to working from home, and with this came an increase in people undertaking what we call ‘side hustles’. Many working people are happy in their job, but the added pressure of paying a mortgage can prompt employees to seek just a little bit more regular income. Side hustles are ventures which generally require little capital and time outlay that someone may do ‘on the side’ to generate some extra income. Steady income that is not labour intensive is the goal for many workers, but host Andrew Baxter points out as a business owner himself, side hustles are all well and good until they interfere with the duties you have been entrusted with by your employer. It is all about discovering a process which is repeatable and reliable  in terms of results. Ironically, countless side hustles have evolved into what we now see as business empires.

Trading as a Side Hustle
The great variety of financial instruments traded in the market offers a well of opportunity. Andrew Baxter has been trading in markets for decades and has used trading as his form of a side hustle. By developing a process which only requires a small investment of time each day, he was able to generate a cashflow which has proven to be reliable and effective.

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How to Save on Your Mortgage Low interest rates have offered a great opportunity to investors to enter the market […]

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Tech Wreck Version 2 - Australian Investment Education

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Tech Wreck Version 2 - Australian Investment Education

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The month of April was a tough one for investors, particularly those heavily invested in the technology space. While there is a broad scope of what technology companies do, Host Andrew Baxter has noticed some signs similar to what he saw before the dot com boom and bust of the late 1990’s.

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Tech Wreck Version 2
The month of April was a tough one for investors, particularly those heavily invested in the technology space. While there is a broad scope of what technology companies do, Host Andrew Baxter has noticed some signs similar to what he saw before the dot com boom and bust of the late 1990’s. Join us in this week’s podcast to hear more:

Share Price and Business Outlook
The tech sector has been very much a hyped portion of the market for a long time. Investors over the last few years have been willing to pay more than they should for major tech stocks with the mentality of ‘it is simply going up’. Host Andrew Baxter explains that these stocks have not been good value at all and how we can tell. The PE ratio (Price to Earnings) is a widely used measure of the stock price relative to its earnings per share and is used to determine whether a stock is good value. For the most part, it takes into account the most recent earnings result. The typical ratio is about 13-17 times but of late stocks on average were trading at about 18 times their earnings per share. The key reason for this is the fact that many stocks are bought and sold on the basis of their potential growth and where they may be down the line. Using PE ratios as key analysis is problematic already, but doing so based on your best guess as to what a company might be worth in the future is highly risky. Markets are very fluid and it is very difficult to predict what will happen years in the future.

The Problems Facing Netflix
Of the recent earnings season, if there was one thing you’d have heard about it would be Netflix’s fall from grace. Netflix’s stock price had already been plummeting but news of decreasing subscribers has twisted the knife even further and the stock is down about 70% from its highs. Host Andrew Baxter explains some of the difficulties Netflix is now faced with after losing a great deal of its value already. Netflix was a pioneer in the streaming services space and for a long time has been the goliath name in the game. Now we see countless competitors in the market, many large enough to have a real impact on Netflix’s subscriber figures. Running a streaming service is an inherently risky business as large sums of money are spent with no assurance of any true return. Companies fork out big money to produce programming for their platforms regularly but there is no way to know for sure if these projects will have a positive impact on their subscribers. All in all there is a long road back for Netflix to be the streaming giant it was previously and it will be interesting to see what moves they make to get back to where they were.

Block’s Acquisition of Afterpay
Jack Dorsey’s Block, formerly known as Square, recently acquired Afterpay in a phenomenally large deal. About $30 billion US dollars is what Block was willing to pay for Afterpay, but Host Andrew Baxter  has some reservations about this. Afterpay’s business model is inherently risky, and the general consensus is that the purchase price probably exceeds what Afterpay is truly worth. As a company, Afterpay does not have any real earnings in the immediate future. Many users of the buy-now-pay-later services now available have overspent using Afterpay and have since adopted loans with interest, defeating the purpose of using Afterpay for consumers. Afterpay has done well to position itself not as a financial services company, but as a technological solutions company, escaping significant regulation. Block however, is a financial services company, and will possibly be forced to navigate new regulation on Afterpay should things change in the long-term. Increased regulation could spell disaster for the business, and turn what was an investment from Block into a flop.

Facebook vs Square
Previously Facebook, Meta Platforms is a company we are all very familiar with by now. Host Andrew Baxter compares this US market titan with something of an up and comer by way of Block (formerly Square). If we look at Facebook, we see an extended history of strong performance and competitiveness in the market. The main driver of their revenue is advertising space, which they dominate as they are notorious for acquiring their competitors as well as being the go-to for online marketers globally. If we look at Square’s original business, they are a bit of a one-trick pony. They pioneered a device for transactions, not dissimilar from Eftpos machines with Paywave. This makes them vulnerable to competition and potentially threatens their performance in the long-run. We can draw a parallel here with Netflix, the first big mover in the online streaming space which now finds itself losing popularity in a more contested market, so Block investors will be keeping a sharp eye on possible competitors and how their new business in buy-now-pay-later goes.

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The month of April was a tough one for investors, particularly those heavily invested in the technology space. While there is a broad scope of what technology companies do, Host Andrew Baxter has noticed some signs similar to what he saw before the dot com boom and bust of the late 1990's.

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Who would have thought the property market would have thrived as much as it has through a worldwide pandemic and an economic recession? Well not only did we all think that property prices were going to drop by 20-30% at the start of COVID-19. We sure as hell wouldn’t have thought there to be insatiable growth to new record highs and a predicted growth rate that’s out of this world. For anyone looking to sell – the floodgates are open. And the water is charging hard. Why? Well as host Andrew Baxter exclaims, there’s an undersupply of houses and an oversupply of buyers – pushing prices higher. Great for sellers, not so good for buyers on the other hand.

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Property Market Update for 2021: Despite the economic challenges of the COVID-19 health crisis, our property market here in Australia has been flying. Defying many people's expectations, the RBA now believes there to be a 30% gain property prices to be had in the next 3 years. Here's why:
Firstly: Everyone got it wrong

Who would have thought the property market would have thrived as much as it has through a worldwide pandemic and an economic recession? Well not only did we all think that property prices were going to drop by 20-30% at the start of COVID-19. We sure as hell wouldn't have thought there to be insatiable growth to new record highs and a predicted growth rate that's out of this world. For anyone looking to sell - the floodgates are open. And the water is charging hard. Why? Well as host Andrew Baxter exclaims, there's an undersupply of houses and an oversupply of buyers - pushing prices higher. Great for sellers, not so good for buyers on the other hand.

Geographical differences

For anyone thinking that what we're saying is a load of horse crap please keep in mind that these broad claims vary from place to place. For example, one concept we have spoken about largely is the record high vacancy rates of rental properties. This is certainly true in large, CBD areas like Melbourne and Sydney. However, for anyone on the Sunshine Coast for example or in rural areas - vacancy rates are at record lows.

A necdotally what we have noticed is that people are starting to turn their back on the big cities and opt for residence in the suburbs or rural areas. A result of the safety risk in busy areas? Or merely a change in market trends?

The polarisation between houses and apartments

One of the many market trends we have seen come as a result of COVID is the growing demand to live in houses. And the lack of apartments. This became noticeably apparent when, as host Andrew Baxter mentions, we saw rental yields for apartments free fall by 5.1% in just the December ending 2020 quarter. In contrast, rental yields for houses have gone through the roof (no pun intended). So, why is this? Quite simply - interest rates are at all-time lows. This has given rise to a lot of retirees or older Australians purchasing more houses because they're comfortable taking on more debt.

There's also no incentive to be holding at cash at the - money has to go somewhere, hence the reason for such rapid increases in both the property market and the stock market. On the other hand. From the buyer's point of view - sitting in a one-bedroom apartment with your loved one whilst you both work from home 8 hours a day will more often than not cause some serious stress. (Or maybe a screaming match or two). This has meant many young Australians are leaving the city to live out in the suburbs where they have more space - again. Driving house prices and rental yields higher as demand grows.

Shifts in where the money is being spent

Not only are we seeing some major demographical tailwinds push prices and yields higher for the property market. But we are also seeing some major shifts in where consumers are spending their money which has added to the surge at hand. In fact, credit card delinquency rates are at all-time lows, consumer confidence is at all-time highs. Fiscal stimulus is being pumped through our veins and people simply aren't travelling anymore.

With schemes like the early access to super, first home buyers grant, new home builders, grant. And instant asset write offs - this has left many Australians with a lot more cash in their pocket and the confidence to then invest it. (Not to mention the willingness of banks to open their check books up for you to gear up). People aren't spending their money on airplane tickets across the world. They're looking to invest their money in either stocks or shares which has, in turn, caused inflated prices.

Uncharted Waters

Economically, we've never been in this situation before - interest rates are at an all-time low. Unemployment nearly at an all-time high and a recession looming. Quite frankly that is scary. Yes, we are seeing immense gains in the stock market and in our property market which as, as host says, turned every economic playbook over on its head given it is what no one would have expected. With the absence of foreign buying, it is great to see some home-grown success. However, the music has to slow down at some point and things return to normality. Our advice - Andrew Baxter do your research, stay diversified and ultimately, be careful!

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Property Market Update for 2021: Despite the economic challenges of the COVID-19 health crisis, our property market here in Australia has been flying. Defying many people's expectations, the RBA now believes there to be a 30% gain property prices to be had in the next 3 years.

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How to Overcome Guilt with Spending Money

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How to Overcome Guilt with Spending Money

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We’ve all had experiences in our life pertaining to money. Stemming from when we were children. Our core values around spending, budgeting and money overall is formed. As a result of what we see from our parents. And how we view our friends and what we are taught in school. Maybe you grew up with a lot of money, or maybe you had none. However host Andrew Baxter says a common feeling around money is the guilt of spending it. We’ve all got hang ups around money being such an emotive object. Nonetheless, it’s using such emotion in a positive way to overcome these feelings. And treat the greenback boogie more objectively.

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How to Overcome Guilt with Spending Money

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Are you the kind of person who spends money, and then instantly regrets it? If so, you may have some [...]

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At our very core is the belief that a better financial future is possible for just about anyone, and this belief has held true since we started educating every day Australians way back in 1999.

Since then, we have had the privilege of helping thousands of people enjoy a richer financial future, by educating, coaching and advising on practical, “Real World” investment strategies that actually work.

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We Teach People Just Like You How to Make Money from the Stock Market while Lowering their Risk Join the Thousands of Every Day Australians We've Helped Earn Immediate Income Following our Easy to Understand Step by Step System Become a Client We don't just teach you how to Trade, We teach you How to ...