Rocky Scopelliti, is a world class futurologist, recognised internationally as an authority across upcoming technology, social change and the economic future. He’s currently a director of Optus and Community First Credit Union, and works in advisory capacities to a variety of companies including Fortune 100 corporations. In this episode, Rocky dives into his recently published book Australia 2030! - Where the Bloody hell are we?  which outlines the sentiments of 673 professionals, 170 in key executive positions and their views on the decade ahead.Here’s what we covered:

• How will the world transition through to the next leap of automation and AI?
• Will remote working open up competition for Australian jobs?
• Is the physical home more important now than ever?
• What will the workforce look like in 2030?
• Can we trust in the Government to invest in our future?
• What issue will impact Australia the most in the next decade?
• How can businesses contribute to society?
• Is the technological and scientific future optimistic?
• How will the average Australian's life change the most?
• What has worried the majority of Australians over the next decade?

RELEVANT EPISODES:Episode 129 | Craig Rispin

GUEST LINKS:http://www.rockyscopelliti.com/Australia 2030 – Where the bloody hell are we?Buy Now Here

HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan

Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected]

Send in your questions to: [email protected]

EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in December, 2020.

https://www.theelephantintheroom.com.au/podcasts/156

See omnystudio.com/listener for privacy information.

It’s everyone's dream to become mortgage free but how do you do it and when is having debt a good idea? Welcoming esteemed long-term money commentator and financial literacy  advocate Nicole Pedersen-McKinnon, Nicole is former editor of AFR’s Smart Investor Magazine  and has recently published her book How to Get Mortgage-Free Like Me which reveals how Australians are shaving years off their loan term and becoming debt free. In this episode Nicole gives the scoop on how she and her clients have become mortgage free, and how everyday Australian’s can also make this dream come true.

Here’s what we covered:

• Why do people get confused by what you own versus what you own?
• How to borrow safely?
• What are some tips on being frugal?
• What are the most powerful debt free enablers?
• At what age should people aim to become debt free?
• Should people put more money in super or paying down home?
• Should you pay down your investment properties?
• Why should people not be fearful of debt but using it more appropriately?
• Are the current sub 2% rates an opportunity or a trap?

RELEVANT EPISODES:Episode 153 | Brendan Coates Episode 131 | Jessica Fox Episode 130 | Glen James

GUEST LINKS:Website - NicolesSmartMoney.com App - My Mortgage Freedom YouTube - Nicole's Smart Money Book - How to Get Mortgage Free Like Me Book discount code 20% off - ELEPHANT

HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan

Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected]

Send in your questions to: [email protected]

EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in November, 2020.

See omnystudio.com/listener for privacy information.

Speaking to Damian Collins, a well respected and experienced property expert on the current state and the future of the Perth property market. Damian is the founder and managing director of Momentum Wealth and has served on the REIWA Council since 2011 and was elected president of the institute in 2018. In this episode we ask the questions: will those who invested in the boom ever get their money back? Will Perth be the next hotspot and will it be able to contend with other capital cities?

Here’s what we covered:

• Why has Perth performed so poorly compared to other capital cities?
• What parts of Perth have stayed strong and grown in value?
• Did the top end of the market struggle to move the high quality properties?
• Where is the growth in the Perth market coming from?
• What is Perth doing to get rid of their oversupply
• Were grade A properties having a hard time to sell or were they always flying off?
• How many new builds are being built every year?
• How will the Perth property market change because of Covid?
• Is the market owner-occupied dominated or investor dominated?
• How has the rental stock been affected?
• What types of clients are developing or in syndications

RELEVANT EPISODES:Suburb Trends October 2020 Episode 143 | Martin NorthEpisode 133 | Alice Stolz

GUEST LINKS:Momentum Wealth

HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan

Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected]

Send in your questions to: [email protected]

EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…

This episode was recorded in November, 2020.

See omnystudio.com/listener for privacy information.

2020 has been an insightful year, reshaping where people work, live and spend time. The question is what will 2021 bring? With the restructuring of stamp duty and opt in/opt out programs be a success? Moreover, will the government target this towards new properties like FHB grants or will it open the door, moving citizens away from new builds? In addition to the stamp duty conversation Kent and the team showcase capital cities performance during this year; which has the brightest outlook for the future?

Here’s what we covered:

• How will the abolishment of stamp duty work?
• Will flippers return to the market if they can opt out of stamp duty?
• How can property buyers maximise their return when renovating?
• How different states will calculate stamp duty and land tax differently?
• What are small ways flippers can increase their profit margin?
• How have the capital cities performed from one another?
• Has Covid really affected the property market, or has it boomed?
• Which small rural city has greatly benefitted from Covid?
• Does the fall in listing matter if the price of property rises?

RELEVANT EPISODES:Episode 153 | Brendan Coates Suburb Trends November Episode 150 | Meighan Wells

GUEST LINKS:http://www.suburbtrends.comhttps://www.revenue.act.gov.au/tax-reform https://www.realestate.com.au/property/78-ragless-cct-kambah-act-2902

HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan

Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected]

Send in your questions to: [email protected]

EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded on 9 December, 2020.

https://www.theelephantintheroom.com.au/podcasts/153

See omnystudio.com/listener for privacy information.

Welcoming back Brendan Coates to discuss the implications of the government plan for home buyers to access super to assist in purchasing property. Brendan is the Household Finance Program Director at the Grattan institute, he has focused on a wide variety of topics including tax reform, housing and superannuation. In this episode the team and Brendan discuss the implications of accessing super and that if putting your super towards a property purchase will get you ahead or put you behind?Here’s what we covered:

• What has the biggest impact on retirement - owning home or superannuation?
• What is not working for the system currently?
• How have first home buyers struggled in the past 30 years?
• Why should people stop and think before taking out super?
• If people do access super, what kind of property will they get pushed into?
• What would make taking out super a very bad idea?
• What is the appropriate level of super contributions?
• Is this super scheme for the people or for the tax revenue?
• What does the forecasted return look like in 30 years/?

RELEVANT EPISODES:Episode 124 | Brendan Coates Episode 89 | Brendan Coates

GUEST LINKS:Article 1: Australia needs new-generation thinking on retirement incomes Article 2: 5 key takeaways from the Retirement Income Review’Article 3: Five reasons the Turnbull Government should not allow superannuation to be spent on a home Article 4: The latest ideas to use super to buy homes are still bad ideas

HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan

Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected]

Send in your questions to: [email protected]

EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in November, 2020.

https://www.theelephantintheroom.com.au/podcasts/153

See omnystudio.com/listener for privacy information.

We are honoured to have renowned economist Saul Eslake on the podcast to discuss all things Australian economy. Saul Eslake has worked in Australian financial markets for over 25 years, including several chief economist roles in Mcintosh, ANZ and Bank of America Merrill Lynch, and has worked in an advisory capacity with the federal government. Saul comes in with a wealth of knowledge and insight into the current state of affairs including how the various states have performed from one another, how net migration will change in the future and Australia’s need to shift from exporting raw materials to service based industries.

Here’s what we covered:

• What are some similarities between the economy post Spanish flu and Covid 19?
• What's most likely going to happen nationally and globally?
• Are we on the cusp of structural change?
• How are capital city housing prices going?
• How Sydney survived through Covid comparison to Melbourne?
• Why have fixed rates historically been higher than variable rates?
• How is the RBA trying to reduce the AUD?
• What is the state of the current banking system
• How will the US election impact the Australian economy?
• What ways can Australia grow its economy beyond the exporting of raw materials?

RELEVANT EPISODES:Episode 143 | Martin North Episode 132 | Mark McCrindle Episode 117 | Shane Oliver

GUEST LINKS:www.bettercallsaul.com.au Saul Eslake - LinkedIn, Saul Eslake - Facebook Saul Eslake - Twitter Saul Eslake - Youtube

HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan

Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected]

Send in your questions to: [email protected]

EPISODE TRANSCRIPT:Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in November, 2020.

https://www.theelephantintheroom.com.au/podcasts/152

See omnystudio.com/listener for privacy information.

Amanda Farmer, Strata Lawyer, is a go-to-expert in "strata world" with over 15 years experience as a strata lawyer. Amanda joins us again to clear up what is going on in Strata properties when it comes to owning pets. Recently, the New South Wales Supreme Court declared that a blanket ban on pets in strata buildings is harsh, unconscionable or oppressive. Here’s Amanda’s take on:* What does this mean for strata owners and tenants? 

* What pets are actually allowed & in what circumstances can they be banned? 

* What are the limits of an executive corporation's reach? 

* Does this mean there are some aspects of conduct you can't control?

* Why committees with internal conflict are likely to suffer over more than just the pets issue.* Top things buyers & tenants need to be aware of before they choose to purchase or rent a strata property.

For brilliant tips from an expert Strata Lawyer, Amanda Farmer, don’t miss this episode!

GUEST WEBSITEShttps://yourstrataproperty.com.au/

DOWNLOAD THE TRANSCRIPT: www.theelephantintheroom.com.au/podcasts151 RELEVANT EPISODESEp 103 | Strata owners rights & obligations Episode 25 | What hidden dangers can lurk in brand new apartments?

HOST LINKS: Looking for a Sydney Buyers Agent? www.gooddeeds.com.auWork with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected]

See omnystudio.com/listener for privacy information.

In this edition of Suburbs Trends, Kent gives the scoop on the current state of university towns and feeder suburbs. With the majority of international students returning to their country of origin during the beginning of COVID Australian university towns especially in Victoria have suffered the consequences with high unemployment, low property prices and skyrocketing rental vacancies. Will these regions bounce back and how will it happen?

Here’s what we covered:

• How will zero overseas students in Australia impact university towns?
• Will reduced overseas students lower property prices?
• Why is Newcastle such a hot area?
• How have the surrounding university suburbs been impacted by Covid?
• What 'property fads' should investors and home buyers stay away from?
• How have Victorian suburbs been impacted by the drop in overseas students with 7 out of the 20 top universities residing in VIC?
• How many units are hitting the market and is there likely to be another fire sale of poor cheap assets?
• How have the developers targeted their marketing towards Chinese investors?
• Why landlords of new property can’t differentiate their property besides dropping rent.
• What are the lies of 'building subdivisions' and getting a greater yield?

RELEVANT EPISODES:Suburb Trends October Suburb Trends September Episode 124 | Brendan Coates

GUEST LINKS:http://www.suburbtrends.com

HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan

Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected]

Send in your questions to: [email protected]

EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded on 19 November, 2020.

See omnystudio.com/listener for privacy information.

Veiled behind a strong border defence, you can come out but you can’t come in. It begs the question: what is going on with the Brisbane property market? In this episode Veronica chats shop with Meighan Wells on the state of the Brisbane market, making note of the vast structural differences to other capital cities, how the WFH movement shifted more people into the city and asking the question will Brisbane boom or fizzle out? Meighan is a buyers agent and principal of Property Pursuit and co-founded Home Buyer Academy alongside Veronica.

Here’s what we covered:

• What's happening across the border in Brisbane?
• How has the Brisbane property market performed compared to Melbourne and Sydney?
• How has the work from home movement shifted more people to Brisbane?
• Why shouldn't you ever rely on the vendor's agent and how you can be misled?
• What is driving the Brisbane property market?
• How has the repatriation of Australians altered what's currently on the market?
• Are investors buying high maintenance old queenslanders?
• What is it like to buy property in Brisbane?
• Why you should never 'hotspot hunt' for property.
• What is the current state of the rental market in Brisbane?
• What type of property goes off at Auction?

RELEVANT EPISODES:Episode 145 | Lucinda Hartley Episode 143 | Martin North Episode 132 | Mark McCrindle

GUEST LINKS:Home Buyer Academy - Workshop

HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.auWork with Veronica: https://linktr.ee/veronicamorgan

Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected]

Send in your questions to: [email protected]

EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in November, 2020.

https://www.theelephantintheroom.com.au/podcasts/150

See omnystudio.com/listener for privacy information.

In our fourth Q&A host special, Veronica and Chris dive deep into questions that you have sent in, covering topics on the difference between growth and yield, how would they change their property strategy if they had their current knowledge when they started out and what will the market hold post Covid; will it boom or will it bust?

Questions:

1. What do you suggest is the best way to balance capital growth with yield to maintain good loan serviceability when building a property portfolio?
2. With all your current experience, how confident are you that from 2020 to 2045 you would outperform your 1995-2020 returns?
3. We bought in March and with the impact of COVID we are still feeling quite comfortable with our investment but were interested to know how Chris was feeling given how closely he is watching the market.
4. Looking to purchase our first property, should we use our savings to purchase this or use a guarantor loan from our parents and then use our savings to purchase an investment property not long after?

MENTIONED LINKS:Sydney & Melbourne Property Price Prediction 2020 - 2022 - Jude Lamb

RELEVANT EPISODES:Episode 127 | Q&A 3 Episode 98 | Q&A 2 Episode 57 | Q&A 1 

HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan

Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected]

Send in your questions to: [email protected]

EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in October 2020.

See omnystudio.com/listener for privacy information.