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This amusing video was first shown on Saturday Night Live a couple of years back.

What do you think?

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The Australian Securities Exchange just published an article titled Global Economy 2009: What To Expect.

In it, the author (Shane Oliver) says “The Australian economy is also being hard hit and looks destined for recession.” and he goes on to explain why he has “expectations for a global economic recovery from later this year and/or through 2010″

The article is at http://www.asx.com.au/resources/newsletters/investor_update/20090210_global_economy_2009.htm

What do you think?

Ian

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The Homestudy Program (www.InvestmentSuccessNow.com/homestudy.html) comes with a whole bunch of extra bonuses for 2009. And, along with the extra bonuses, there is a price increase too.

However, there’s good news for you (if you are reading this before the end of Jan 2009)

Because, if you order before the end of Jan, you can get the program at the 2008 prices. However (IMPORTANT) the only way to do that is to download and fax us the order form or give us a call. If you order online, you will be paying the 2009 price.

This video tells you all about the latest changes to the program …

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Oh, and if you have not yet watched “How to Survive And Thrive In A Global Credit Crisis”, then go to our homepage (www.InvestmentSuccessNow.com) and you can watch it there.

Ian

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A friend of mine just sent me this article that I thought you might be interested in. It was written By Bill Zheng, the founder of Investment Direct. Here it is …

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For property investors, 2009 in my opinion will be a very exciting year, a few unusual opportunities will arise during the year and it is definitely worth starting your preparation early in the year.

Here is what I can see the major changes coming in 2009, and they are surprisingly all good news:)!

1) Interest rates will probably drop further for a few months, probably to the point that many investment properties will experience positive cash flow for the first time.

Average interest rate in the last 30 years is about 10%, so interest rates ever get below 4%, it will be for a very short time, so you need to time it right and make sure both you and your lenders are in the position to lock in competitive fixed rates with good valuation figures.

2) Property investor’s income will increase further.

While we are not building enough houses mainly due to lack of finance and low developer confidence, we will see rental vacancy disappear and tenant’s willingness to pay more for each square meter.  In other words, this is the year you need to put some focus on how to increase your rental income and reduce cost.

3) We are entering a time when un-conventional property transactions will be more common.

This will enable property investors to pull off profitable deals that are less likely to be done during good times.  When traditional finance (from institutions) is less available or harder to get, it creates a market for non-traditional finance (from private individuals) if people still want to buy and sell properties.

In a climate that unconventional property transactions are more acceptable by vendors and real estate agents, active property investors can find themselves in a gold mine to make money with or without much of their own money.

4) A narrow window to sell properties at better than 2008 prices.

The global economy will be in severe recession for at least a couple of years, so the 2009 outlook is not optimistic around the world, but I will not be surprised to see a short rebound of property prices in certain areas in 2009.  For those who tried to sell some of their properties in 2008 for whatever reason but couldn’t, you may find another opportunity to do so in 2009.

In our April 2008 seminars, we predicted that Australia still had a few bullets to fire to prevent property prices drop significantly for another year, some of those bullets such as interest rates cuts (almost gone), budget surplus (gone), commodity boom (gone) and high Aussie dollars (almost gone) have already been fired, almost exactly to the script.

In 2009, I believe that we will be forced to fire the remaining of our bullets very fast in the first 6 months to keep the economy alive, these will include further interest rate cuts (at least 2% more), budget deficit (tax cut & government expenditure), public debt (government borrowing to offset the drop of private sector finance).

If the bailout packages in US and Europe can stop the bad news from coming for a few months, and no major institutions fall over in Australia in the first half of 2009, I am hoping that our 2009 bullets can create a rebound of property prices for those who failed to exit in 2008.

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This article was written by Bill Zheng, founder of Investors Direct, an award winning Mortgage Company specialized in strategies and finance for residential property investors since 2001.

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Only 36% of U.S. Millionaires believed they got good advice from their advisors during the “global recession”.

If they cannot afford to get good advice, then what is the chance of everyone else getting good advice from their advisors?

Maybe these U.S. Millionaires need to take responsibility for their own investments? Maybe we all do???

See this interesting post …

http://www.ritholtz.com/blog/2009/01/millionaires-say-they-were-failed-by-advisers-in-crisis/

I like the Chinese proverb quoted … “He who blames others has a long way to go on his journey. He who blames himself is halfway there. He who blames no one has arrived.”

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I received the following in an email from our stock broker (Angus Knight from Kinetic Securities) and thought you might be interested …

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I would like to take the time to outline some of the potential opportunities that are emerging with the Australian financial markets post the turmoil of 2008. It is no secret that 2008 was a terrible year to be exposed to any type of financial instrument, the S&PASX/200 dropped 47% in one year alone, the worst one year fall ever.

This said, the market is showing signs of a recovery, it’s early days yet however there is no denying the value that has emerged from the carnage of 2008. Some quality blue chip stocks are trading at a 50% discount of what they were 12 months ago, many yields remain relatively high, especially in comparison to the prevailing cash rates and from an investment point of view, to shy from the market and these opportunities at a time when negative sentiment has peaked, may well prove to be a costly error in terms of opportunity lost when looking back at this time in years to come.

Investment is long term, trading is short term, the two are not to be confused or mixed. For traders, current market conditions are offering a utopia of volatility and big swings as the market struggles to find an equilibrium, accurately picking a direction can result in lucrative profits in quite short amounts of time. Best of all, losses can be kept to a minimum through use of stringent risk management measures.

If you require any help with the change or have questions that need answering, please contact your advisor. I am hopeful that this year will be a ‘clean slate’ as far as market conditions are concerned and that navigated well, the markets may be kind enough to deliver some positive results in 2009.

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Hi, my name is Bronwyn Mosman.

For the past year I have been self-providing for my income, doubling what I was getting on a ‘supported’ income. I have been trading and training on new ideas and programs accessed via 21^st Century Academy. The last few months have been devoted to familiarising myself with ‘Aussie Rob’s Lifestyle Trader’.

Aussie Rob’s program is great because it basically tells you what and when to buy and what and when to sell. It is not a cheap program because it requires special software and extensive training in all the different investments that the program uses (currencies, futures, options, etc.). But, once you are trained and ready to go, it is a fabulous program.

I’ve been training on it for five months now, initially studying the program through DVDs and a 4-day Workshop and subsequently practising on a paper trading scenario. That’s the same as the real deal, only we get to play with an imaginary investment fund while we’re learning to do everything BY THE BOOK. We’re up some $US90,000 after 3 months. So we know the systems work!

We are now ready to ‘go live’. And, to do what we are taught to do, we need an investment fund of between $50,000 - $150,000 to cover what they call the ‘spreads’. Using the system, we don’t pick and choose the trades because it’s just too uncertain. We are taught to follow the rules of when to get in and when to get out, but to trade a full spread, ie. everything in that grouping on the market. $50,000 is the minimum needed to cover one section of those spreads.

However, after all the crashes in the regular markets, we do not have sufficient funds ourselves to achieve this.

Now we have two choices; one is to sell the house to give us the investment funds we need. Unfortunately, if we try to sell the house, even though we know the value is up close to $600,000, we doubt we can get a quick sale. And we don’t have the reserves for a slow sale.

So, choice two is to offer an opportunity to our fellow investors. Specifically, if somebody wishes to invest a minimum of $50,000, we will guarantee a fixed return of 12% per annum, paid monthly. So, for example, if somebody invests $50,000, we will pay them a fixed $500 each month, guaranteed. I know some people are getting less and less income via their bank deposits, so this is a win/win situation whereby I’m actually offering a better income for your money than the banks can give you.

I am looking at this being a short-term arrangement, say 6 to 12 months. And, to keep things manageable, I can only accept a minimum investment of $50,000. And, at this stage, I am only willing to accept a maximum of 3 investors.

If this is something that interests you, then please email your contact details to Ian and Liz and I will give you a call and answer all of your questions.

Regards

Bronwyn Mosman

PS. I’m also happy to discuss a partnership deal on a larger input.

PPS. AUSSIE ROB LIFESTYLE TRADER: A brief overview. The system works by providing the most fundamental information that traders need to know: ONE: When to get into a trade and TWO: When to get out. That’s it. Nothing more, nothing less. The charting is based on the number of buyers and sellers in the market. If there are more buyers then prices get pushed up. You buy into a position that is expected to rise in value. Then you sell when the indicators change and sellers start to dominate and prices fall. If there are more sellers, then prices will fall. You sell into a position and buy back at a lower price once the indicators change showing more buyers entering the market. It IS that simple. The formula is long proven and widely used. To work with Aussie Rob Lifestyle Trader one is taken through a 90-day training program which for us has turned into an extra 60-days as we spent extra time ensuring we were totally comfortable with the Trading Platform that is used to trade the world markets via our own computer.

The course covers all sorts of trading possibilities with Forex, Commodities and Options trading.

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Time may be running out for investors who use Low-Doc loans.

From 1st December, many investors wanting to refinance an investment property with a low-doc loan will face a major challenge.

Australia’s leading mortgage insurer, Genworth Financial, has announced that from 1st December, it will no longer insure low doc investment loans which are being refinanced.

And, the banks don’t usually like to lend more than 60% of the property value without mortgage insurance.

That means that the banks who use Genworth to insure low doc loans won’t want to lend more than 60% of the value of the property.

Also, Genworth will not insure low doc loans which involve equity release, cash out or debt consolidation.

And, they will also now require low doc borrowers to have an active ABN for at least two years and to provide 12 months BAS statements from the Tax Office.

Commonwealth Bank has already indicated it will follow Genworth’s policy.

Other lenders who use Genworth to insure low doc loans are expected to issue similar policy statements soon.

So, if you are planning a low doc refinance of your investment property you have until one minute to midnight on 30th November to lodge an application, according to a CBA release.

The other big mortgage insurer, PMI, has already refused mortgage insurance for investors taking cash out of a property. Don’t be surprised if PMI now follows Genworth’s harder line.

If you have been delaying refinancing an investment property, don’t delay any longer. You should act now. Next month, the opportunity will have passed you by.

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Jamie McIntyre sent me an email a couple of days ago about how some people are taking advantage of the current stock market conditions … and making some really good money. I wanted to share the information with you to make sure that you do not miss out on the opportunity …

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The information in the video is just an example and is not financial advice. You should always seek independent financial advice before investing.

Jamie McIntyre is an employee of 21st Century Investment Services Pty Ltd and an authorised representative of Romad Financial Services Pty Ltd (AFSL No 238 032). Jamie has been certified by Romad as being qualified in the areas of derivatives, securities and managed investment products. He is currently authorised to provide general advice and dealing services in Derivatives, Deposit Products, Managed Investments and Securities (ASIC No. 321 315). 21st Century is a corporate authorised representative of Romad and is currently authorised to provide general advice and dealing services in Derivatives, Deposit Products, Managed Investments and Securities (ASIC No. 321 314)

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Hi,

I was reminded of an interview that Jamie McIntyre gave. He was interviewed by Andrew Clacy. It is not a brand new interview but re-watching it reminded me that he has some great messages in it and it is an opportunity to hear his story of what he actually did to turn his life around when he found himselfwith nowhere to live (he was sleeping on a friend’s couch) and with over $150,000 in debt.

So, I hope you enjoy the interview. I have split it into three parts because of YouTube’s limit on how long videos can be.

Ian

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