You probably saw the Medibank ads that were intended to show that selfcare is important. Even though some thought the ads shamed mums, with the "Thanks for walking out" theme, the idea was admirable and the message valuable.

We explore that theme in this week's Chalk Talk.

Stop celebrating being too busy to take care of yourself. Depleting your own resources is not the way to do things, because you can't pour from an empty cup.

We think it's a pretty important discussion to have, so have a listen via our website, iTunes, or Spotify.

Jo-Anne Davies is a well-respected figure on the Melbourne real estate scene, being a Licensed Agent, a Buyer's Advocate, and a Vendor Advocate.

Jo-Anne works at Property Home Base and is passionate about helping people understand and work their way through the ups and downs of finding, buying, and selling real estate.

She believes that many vendors - just like buyers - can benefit from independent advice, particularly if they aren't familiar with the property market or dealing with agents.

In this episode, we look at how the property market is being impacted by the current coronavirus crisis and the rules around it, including:

•What no open homes and no public auctions means for sellers;

•Whether more off-market sales benefits buyers;

•Whether there more opportunities for motivated sellers or buyers;

Jo-Anne also explains:

•What the role of a vendor advocate is and why people use one;

•How she selects a suitable agent for a vendor;

•The things she tells all buyers to look out for.

Jo-Anne will open your eyes to the value of independent advocacy.

You can find Jo-Anne via:

Website: propertyhomebase.com.au

LinkedIn: jo-anne-davies-5ab25912

Facebook: facebook.com/propertyhomebase.com.au

Messenger: messenger.com/t/propertyhomebase.com.au

Email: [email protected]

Don't forget to follow us on our socials:

Website: https://withevelynandemily.com

Facebook: https://www.facebook.com/withevelynandemily

Instagram: @withevelynandemily

Email: [email protected]

Evelyn's Instagram: evelynclark_finance

Emily's Instagram: emily_wallace_ba

Do you define yourself by how you are at your best, your worst, or somewhere in between?

Is it fair to say that you're really only as good as your lowest bar, the lowest standard of performance you're willing to accept of yourself?

This week, Chalk Talk looks at the mindset and discipline you need to do everything to your highest standard.

Have a listen to our chat via our website, iTunes, or Spotify.

Keryn Batsilas is a qualified financial adviser who has set up Your Life & Money Matters to help people of all ages and at all stages of life improve their financial skills.

Keryn believes that financial literacy is a basic life skill that should be taught early but says it's never too late to start improving your money management habits.

She concedes that it can be hard for some people to get started, especially if they have to change some behaviours, but sticking with it always pays dividends (so to speak)!

In this episode, we look at some of the things that Keryn believes everyone can and should do to improve their money management skills, including:

•Why having a solid spending plan is a crucial starting point;

•What motivates people to get on top of their saving and spending;

•Why you should split your money into separate accounts;

•How to be strategic about your spending - and be OK with that; and

•What she has against credit cards!

Whether you're just starting to get on top of your finances or are well into your personal financial journey, Keryn's advice is easy to understand and quite simple to put into practice.

You can find Keryn via:

Website: yourlifeandmoneymatters.com.au

Instagram: @yourlifeandmoneymatters

Facebook: facebook.com/yourlifeandmoneymatters/

Twitter: twitter.com/YLMoneyMatters

Email: [email protected]

Phone: (03) 9001 7617

Don't forget to follow us on our socials:

Website: https://withevelynandemily.com

Facebook: https://www.facebook.com/groups/withevelynandemily

Instagram: @withevelynandemily

Email: [email protected]

Evelyn's Instagram: evelynclark_finance

Emily's Instagram: emily_wallace_ba

Keryn Batsilas is a Financial Adviser from your Life and Money Matters, an Authorised Representative of Avalon fs. Anything Keryn talks about is of a general nature and not to be used as personal advice.

Which of your instincts is stronger? Are you 'once bitten, twice shy' or 'if at first you don't succeed, try, try again'?

Or does it depend on how risky or scary the exercise or action?

In this week's Chalk Talk, we discuss revisiting and overcoming an instance where you've been burnt.

Check it out on our website, iTunes, or Spotify.

Don't forget to follow us on our socials:

Website: https://withevelynandemily.com/

Facebook: https://www.facebook.com/withevelynandemily/

Instagram: @withevelynandemily

Email: [email protected]

Evelyn's Instagram: evelynclark_finance

Emily's Instagram: emily_wallace_ba

Mild mannered co-host of the I Wish I Was Taught That At School podcast Emily Wallace is this week's guest, in her guise as buyer's advocate Emily Wallace (you, know, her actual job)!

We find out a bit more about what Emily does as a buyer's advocate, specifically around her access to more properties than those we can all see listed on real estate websites.

You'll probably be surprised to hear what proportion of property sales are transacted this way (that's revealed about nine minutes in).

In this episode we take a deep dive into what off-market property selling is all about including:

•How buyer's advocates have access to more property 'stock';

•Why someone would want to sell a property off market;

•What are the upsides of an off-market sale;

•Could you buy the property you're currently renting;

•How you, as a buyer, protect your interests.

Whether you're thinking of selling or looking to buy, you need to know about this 'underground' property market and how it works.

If you're looking for a buyer's advocate, Emily's website isn't too hard to find: emilywallace.com.au

Don't forget to follow us on our socials:

Website: https://withevelynandemily.com

Facebook: https://www.facebook.com/groups/withevelynandemily

Instagram: @withevelynandemily

Email: [email protected]

Evelyn's Instagram: evelynclark_finance

Emily's Instagram: emily_wallace_ba

No-one has yet found the secret to immortality, so how will we be remembered, when it's all said and done?

How important is it to have a positive impact on people whose paths you cross?

Check out the latest Chalk Talk where we look at the big question of leaving behind a legacy with how you live your life, as much as what you achieve.

It's available now on our website or via iTunes or Spotify.

Don't forget to follow us on our socials:

Website: https://withevelynandemily.com/

Facebook: https://www.facebook.com/withevelynandemily/

Instagram: @withevelynandemily

Email: [email protected]

Evelyn's Instagram: evelynclark_finance

Emily's Instagram: emily_wallace_ba

Josh Pennell is a Director of Prosper Advisory and head of Wealth Management and Financial Planning.

He holds a degree in Economics and Finance, is a Certified Financial Planner CFP®, and is a member of the Financial Planning Association of Australia.

Josh is passionate about helping people achieve the financial success and freedom they deserve and is always happy to share the knowledge he's gained from 16 years' experience as a Financial Advisor.

In this episode, we look at how Josh got started on his own wealth-building journey and hear the advice he thinks everyone can benefit from, including:

•Why establishing money-management habits is an important foundation;

•How various factors contribute to building your equity;

•How a solid strategy and good habits help open up greater opportunities;

•How important it is to understand your financial situation holistically;

•How to prepare yourself before you get a mortgage.

If you're yet to get started on your own path to prosperity, or if you're already doing some solid wealth building, you'll get something actionable from Josh's words of wisdom.

You can find Josh via:

Website: prosperadvisory.com.au

LinkedIn: linkedin.com/in/joshpennellfinancialadvice

Facebook: facebook.com/prosperadvisory

Email: [email protected]

Phone: 03 9557 7654

Don't forget to follow us on our socials:

Website: https://withevelynandemily.com

Facebook: https://www.facebook.com/groups/withevelynandemily

Instagram: @withevelynandemily

Email: [email protected]

Evelyn's Instagram: evelynclark_finance

Emily's Instagram: emily_wallace_ba

Have you ever been judged by someone who has put you in a box - the wrong box - before they've even taken a minute to get to know you?

We all have some inbuilt biases that inform stereotypes. We all make some subconscious judgements about others based on their age, appearance, occupation, or other relatively superficial cues.

In this week's Chalk Talk, we ponder whether maybe we're more open to breaking down societal norms and expectations than previous generations ...

LVL Group was born when Matt Long and Dom Poole spotted a need in the market.

The recognised that many owners want to spruce up their property prior to putting it up for sale or rent, to maximise their returns.

Now, they also help potential buyers looking through a property they're interested in purchasing, by quoting on the sort of work they'd like to do if they do go ahead and buy.

In this episode, we discover what facelift renovations are all about, including:

•What a typical facelift renovation involves;

•How much you should spend and how to determine that;

•How LVL Group goes about the process;

•What are the advantages over doing it yourself (hint: stress v no stress!);

•How to ensure you're adding value and delivering what the market is looking for.

If you have - or are looking to buy - a property that could use a good 'freshen up', the LVL Group guys can put you on the right track.

Oh, and the property in Richmond referred to in the podcast is at 22 Stawell Street!

You can find the LVL Group easily via:

Website: lvlgroup.com.au

LinkedIn: linkedin.com/company/lvl-group-australia-pty-ltd

Instagram: @lvlgroupaus

Facebook: facebook.com/lvlgroupaus

Don't forget to follow us on our socials:

Website: https://withevelynandemily.com

Facebook: https://www.facebook.com/groups/withevelynandemily

Instagram: @withevelynandemily

Email: [email protected]

Evelyn's Instagram: evelynclark_finance

Emily's Instagram: emily_wallace_ba