Q&A Mentor Call - August 2023

Hello everyone, this is Jane. Running a little late, but it is your monthly Q and A for your Property Success Club. Now, before we get started, please let me know that I'm coming through loud and clear, that you can hear me and you can see me and we will kick off the has been so much that has happened this month and I am just so excited about sharing that with you and, you know, discussing with you, I guess, some of the changes that are coming up in the future and looking at some of the opportunities as well. So once again, just let me know that you're here, that I'm coming through loud and clear and all is good. So thank you very much for that. Now, gosh, you know what a month this has been. August has been quite extraordinary. I thought I was escaping the Winter Melbourne to go to Africa where it'd be warm. Little did I know that it was on the same line and pretty much we were actually at the same temperature. So enjoyed winter in Africa for about 14 days. And the interesting thing is that, you know, this came about basically over the last two years. I went away on a soul safari with my mentor. I would love to share with you some of those, I guess, learnings and teachings and experiences that I've had, some, some of the revelations, some of the changes that are going to be put in place. So I've got a lot to share with you here as I know most of you are busy on the last Thursday of the month. And although I've been doing these for the last 10 years, we, we have less and less people coming on live and more and more people who watch this on recording. So if you're watching this on recording. Hello. Hope you had a great Thursday and I look forward to hearing from you in the comments below, below some of the, the thoughts of what's landing for you, any observations, any questions you have. So I haven't been able to check out whether I have had some questions that have come through as yet. As you can imagine, I have been running pretty, pretty fast on doing quite a few things which has been a lot of fun. And I have to say that it's been a real journey for me going to Africa. So Africa came about around about this time in 2020. You know, we were in lockdown, a number of my staff were, you know, really feeling the brunt of it. And one of my friends reached out who I had engaged to do some meditation classes for my, my client, for my clients and for my staff and said, hey, look, there's this free course, Create your Destiny, maybe you're interested. And at the time, my property investing, mentoring clients, and you know, these are clients that, you know, I was actively looking at making their investment, about 20,000 a year to work with me to 10x that. So I wouldn't take on clients who I wasn't convinced that we could get to to achieving that return for them. And it all came down to what you've learned in the location masterclass, ultimate guide for renovation, all the courses and materials. And if you watch the last 10 years of Q and A calls here, monthly calls, you probably picked most of it up as well if you're not in those classes or courses. But we were taking the 16 and a half thousand suburbs and we were narrowing them down to three to five suburbs in the price range and with the strategy that was consistent with what the, the client was after and trying to achieve. And then we'd look at the typical properties in those areas, we'd look at a lot of the properties that had the, the difference between unrenovated and renovated to be able to make some money. And set up alerts. And into the inbox would come all the alerts of, here's a 600 square three bedroom house, you know, wherever it was, Worrywood or you know, Corio in Geelong or Wollongong or Brisbane or Adelaide, wherever it was. And the client could go and check it out. We'd do a deal review together, we'd come up with a negotiation and an offer document and they'd buy the property. Seems simple. So I basically started that mentoring because I wanted to handhold people through the experience. I'd had tens of thousands of people go through my courses and some people got it, some people didn't. I'd get emails every week, people saying, you know, wow, you know, I've now created my financial security for myself, my family, I can leave the day job, I can go on and do something that I really want to do. And then some people weren't really getting this. And so for me it was a journey into, well, why did some people get it, why didn't others? And so I created the very small container for my mentoring clients. Ran that over three years, saw great success. But mid-2020, I was seeing a little bit of this, you know, stopping. They weren't pulling the trigger, they weren't, you know, taking the next step after the right property had come up. And so, you know, at that stage I was sitting there thinking, you know, what's, what's going on here? And I really thought, how can I Help them all. And that's when this opportunity came through to actually do this free course. And I don't recommend things I haven't done myself or my clients haven't done and had great success with. So, you know, I suggested to those people that I was seeing not just not pulling the trigger on their property decision, but also not pulling the trigger on some of the other things. And I went in and saw that they were maybe hesitant in a relationship decision or a career decision or, you know, there was something that was coming up with, you know, their partner. And I was thinking, what is going on here? This, there's a thread. And I pulled that thread and it. And I felt that at that time I didn't have the capability to go into all of those other kind of life coaching stuff, you know, as the property mentor. And so I did this course and whilst I did the course, I went through and. Thought if I just go with them on the course, you know, because I haven't done it before, you know, I'll just make sure, you know, we can debrief each week and make sure it's okay. And so I went through that and I basically were seeing all these changes and all these revelations and all these inspiring things that they were going through and I was too, and I was sitting there going, this is a little bit interesting. And I ended up consuming the rest of the content. I did that free course, I went and did the other courses. I actually became a natural Success accredited coach, one of less than 30 in the world. I started mentoring with the teacher William Wycloud and I've just been on safari with him to Africa. Now Africa was an amazing adventure. I'd love to, to I guess show you some of those pictures. You know, I decided at the time, being like the good engineer I am, I needed to have some pretty good, pretty good pictures. So I went off and did a quick course in, in iPhone photography because I decided we've only had 15 kilos, I wasn't going to take all of the camera gear with me. So all of these photos are taken with an iPhone. And we went on this amazing 14 day retreat that really was a workshop that concretizes or kind of taught the concepts we were learning at night or during the day on the visits that we had. And yes, there were many, many animals which were amazing. I hope you can see those. You know, the leopards and the cheetahs and the elephants and the zebras and the hyenas and giraffes and you know, we had an amazing opportunity. Buffalo. You know, in two days, two different drives, we saw, you know, the big five in, in one go. And you know, the animals were extraordinary and you know, I was really moved by them. And we were in open jeeps just driving next to these animals. So we were very close. The people were just amazing. Like I was just astounded by the beauty of the people. And you know, especially in Espartini, which is the old Swaziland, which is a kingdom, they have a king, you know, they're landlocked. You know, just the joy. And you know, you can see here I I some Vegemite for these children. These children, you know, the local community, the family can't afford to feed the children. They ability to other families who can afford to feed them and they go to, you know, this community school and this is the teacher. So I bought Vegemite. Not all of them enjoyed the vegemite. I think the kids preferred the lollies and the balloons other people were giving but you know, just the joy that these people had with so little. And you know, I saw the amazing things. I went to a sugar cane burn and saw, you know, the process of actually burning away all of the waste and the material they didn't need so they could then go and harvest. And you know, there was a lot of learnings in that for me, the people in particular, I got an opportunity to really, you know, hang out with some amazing people. And you know, here's this little 10 year old boy, gorgeous little boy that helped Arthur and I buy candles that were could then take to this beautiful family who invited us into their home. And you know, I learned how to make a mat. We had to wear traditional garb. So we went to a market and I met this beautiful lady who had this incredible, you know, I guess presence. But in particular she made the necklace and the bracelet I'm wearing today. You can see me wearing it there. Took her a week to make it. And I have to say I later saw other similar bracelets and I thought, really, did they just buy them in China? And then I saw someone sitting behind the the counter and I said, oh, can I go and see what she's doing? And then I went and watched this woman with this tiny, tiny, tiny little needle pick out every single one of these tiny little beads. And there was all these colors in, in this incredible bowl and you know, just one by one and that was all she was focused on. So you know, it gave me a great kind of, you know, appreciation of what people did, you Know, here we all are on. There's my mentor, William. He's a lot of us here, you know, just on the Jeep and, you know, just, just meeting these people. I don't know if you can see this here, but this is the Vegemite that this poor little boy left behind. Wasn't that happy with my decision of bringing Vegemite, I have to say. And then, you know, we, we had lots of experiences. You know, there, there was fun. We had outdoor showers, which was always interesting. And everyone had an incredible name like this, this man here, his name is Conference. And, and everyone had their name meant something. And I said, conference, like, why did your parents call you Conference? And he said they wanted me to be the place where people met and had a good time. And, you know, this man was just so beautiful in his way that he welcomed us and how we engaged with him. And I said to him, oh, you know, have you just started your shift or, you know, what's going on? He said, oh, no, I just had some time off. I said, oh, did you have a great time? And he said, oh, no, I. My wife died last Tuesday and I had to bury her. And I was like, oh, my goodness. Do you have children? He said, yeah, 10, 11 year old. They're with my parents now, but I'll be here at the lodge for 21 days and I'll go back for seven days. And he's someone who's just lost their wife who, you know, kind of accepts that circle of life. And although there's pain and loss, you know, he really lived up to his name in creating this beautiful meeting place where, know, other people can come and enjoy. And he showed us his country and his world and, you know, it was just so beautiful. I also got an appreciation of the shops and I mean, we can see here there's barbers and there's hair salons and the chemist. And, you know, as you're driving along, this is the kind of shops people have. This is the Internet cafe, which I just found very funny. And this is the games you go on my FIFA games and you can go and play games and video games here. He's a fashion designer. And if you ever want some chicken dust, there's chicken dust here as well. What I appreciated the greatest was this marketing company on the side of the road, which you could have. I'm not sure what kind of investment was, but just general investment, branding, printing, lemonading, photocopying some photos. And hey, if you get hungry, he's got a barbecue going too. So you know, incredibly industrious people. The, you know, the experiences and the sunsets and getting to, getting close to the animals. Like here we are with an elephant and a giraffe and okay, this is the picture of me before I freaked out with a snake, you know, a leopard walking past elephant, deciding to have a little bit of a, you know, go. So as you can see, you know, this was, this for me was a really interesting experience. I've just run a two hour masterclass with my business accelerator mentoring clients. I no longer coach the property mentoring clients. I as a natural success coach have really embraced that and want to help people live their true nature and purpose and create the business of their dreams. And having run two very successful companies over the last 20 years and created that for myself, I just love getting involved in helping people do that and I've seen how hard it can be. But using these techniques in natural success allows us very quickly to identify people's ideal clients and their offerings and get them up and going. And I'm just loving that. And you know, I guess that brings me to the next point which is, you know, I would love to introduce you to the natural success work. The wonderful thing is that next week it does start again in, in Australia and it is going to be, let me see if I can make myself small here. It is going to be available to people. I'd love for, for you guys to, I guess just have the opportunity to join this. If you go to your successclub.com page, CYD, there is a five day course. It's normally 2,970 US. William's been running it for free over Covid. This is the last time they're running it. It was being run over six weeks over the last five times it's been run. I've been someone who supported people going through it because I believe in it so greatly. I know a lot of my community have done that course. This is a five day course that's being run next Wednesday through to Sunday. There's also a US and UK time zone for people. So, you know, I really encourage you to check it out. I have seen my mentoring clients in the property space just transform their lives on this secret is those property mentoring clients that I went through this course with, they have created true wealth in ways that they never knew that property was actually going to satisfy. So wealth and spirit and community and relationships, businesses leaving jobs, creating podcasts, creating the most amazing impact hard aligned purpose. So, you know, I really encourage if people I'll put the links Below. But, you know, if, if this is something that resonates with you and maybe you're at a time when you, you're like, you know what? I'm not really feeling it at the moment. This is not really where I want to be, you know, what's going on, which a lot of people are. I think there's kind of a. I don't know if the words awakening sounds a bit woo woo, but you know, there is this kind of awareness that a lot of people aren't getting what they want. And that kind of, I guess, led me to where I am now. And that is, you know, I'm making some changes as well in my life. And you know, that one of those big changes is what's happening with Investors Choice Mortgages. So I have, over the last 18 years, 2005, I started investors Choice Mortgages and I haven't really shared recent until recently. What is happening with that. It is completely changing and there's a reason why. And that's really because, you know, I do feel that there is an opportunity for me to actually reach more people. The reason that I started Investors Choice Mortgages in 2005 was that my husband and I, Todd, had a very successful run at creating a property investing portfolio and creating a way of creating instant equity uplift so that we could buy another property. And we got to the point where we bought enough properties that we said that that's good, that's enough. You know, at the age of 40, he retired and became a, an artist. You know, he paints portraits for the Archboard, hasn't been accepted yet, but has keeps submitting them, has been accepted into the Portrait Gallery, National Portrait Gallery in New South. No, sorry, in Australia and in New Zealand. And it's an exhibition starting tonight at the Affordable Art Exhibition at Carlton Exhibition center over the next four days where he's being featured. You know, he's had incredible success and he gave up a job in software and IT programming and followed his dreams. And I know property investing can allow you to do that. And that's why in 2005 I decided to help other people do this. And essentially, you know, we cracked the code with the Trident strategy. And for those of you who know that, you know, you've seen that journey and, you know, I've done webinars and ebooks and monthly, monthly Q and A calls here for the last 10 years and podcasts and there's, you know, I've had the opportunity to affect the lives of thousands of people because my intention was I wanted to create a way that people could create financial security that allowed more marriages to stay together. You know, over 50% of marriages break up and the number one reason is finances. And I thought if I could give people that foundation, more people staying at home, you know, around the kitchen table, having conversations with their kids, inspiring them by the way that they money manage or the way that they are creating businesses or going for what their heart desires. And those children in turn will create intergenerational change and maybe cancer will be cured and water problems and all the environmental and political and social issues can be changed because these kids weren't coping with situations of separation, etc. But they had a family to support them and inspire them. That was my number one reason for teaching what I did. The reason I started a mortgage breaking business was because I couldn't teach any other way and get professional indemnity insurance. So after I'd shown all my friends and family how to create a multimillion dollar property portfolio and secured them and their future, I needed more friends, started investors Choice Mortgages. You know, very fortunate 2009, 2012 won Australia's mortgage broker of the year. Had the opportunity to really affect change. And as long as I was doing that, you know, I felt that there was an opportunity for me to make a difference. But that kind of changed last year. So around about this time last year my, my son's homeroom teacher who was also the head of the sports department had a fatal heart attack. And he was in his early 30s and left a 2 year old and a 1 year old and a wife. And that, that just hit me. I sitting there going this is horrific. And it was a horrible, very hit, fit, healthy guy and sudden heart attack sitting at home on the lounge Saturday night in front of the family. What crushed my soul was that on the Monday morning his family had to go get a go fund me to afford his funeral. And I was just sitting there going oh my God, this is, this is horrific. I like, you know, to have nothing and this mortgage and no income and you know, the major breadwinner to go, this poor woman and her family are affected forever. And it crushed me, it crushed my soul. And I realized at that time with investors Choice Mortgages, although we were doing lip service and saying to people, hey, did you want us to have a look at your insurance, you know, your, your death or your, you know, trauma insurance? We can do that. We weren't really pushing it and although we were offering it, we weren't really, you know, doing that with any vigor. And I realized that I was letting people down. And over the last 18 years, only two of my clients had passed. And fortunately, those families did have insurance. And one of the reasons I was a bit of opposed to it, because I thought as a broker, I'm looking at hundreds of different lenders and brokering the deal that suits my clients. But as a insurance person, I'm only offering one part of insurance. So anyhow, I decided that's it. I'm going to be very, very on the front foot with this. I had spoken to the insurance provider. They told me that I could go back and reach out to my mortgage clients that had settled their loans over the last year. I wrote a letter, and then I got in my head about, oh, my goodness, you know, I should be offering alternatives. I reached out to a financial plan planner I know and said to him, you know, how much do you charge to assess someone's insurance? And he said, like $900 for a single and 1200 for a couple. I said, well, how about this? How about you do it for free for my clients? And if you get financial planning, you know, you could get financial planning work off that. As, you know, financial planners don't pay commissions or referral fees or anything. And to his credit, amazing guy. He said, yes, great. So I had these options. I had this letter, and at the final minute, there was this one technical little issue, which was, you know, should it be under my name or should it be under the broker who actually wrote the loan under my company? And so I went to my aggregator. So an aggregator is essentially, there's about 10 aggregators in Australia, major aggregators. And instead of Commonwealth bank dealing with 16,000 mortgage brokers, they deal with the 10 aggregators. And each of the aggregators, you know, give support to the brokers. So I went to my aggregator and said, look, which. Which number should I use for these insurance things? And they said, oh, you can't do that. What do you mean, I can't do that? So you can't. You cannot offer insurance. And I was like, why not? And they said, we can offer it to people right now, as you go on and talk to people, but you can't go back retrospectively because it's solicitation. I was like, it's not solicitation. I asked them if they wanted insurance at the time we settled their loan. Some of them said yes. Some of them said, no. I'm just going back and saying to the ones who said yes, are you interested? Here's some more information. Said, not solicitation. You'll go to jail. Huge fines, lose your license. Horrific. So like a good redheaded Scorpio, I sat down and fumed. And I was like, this, this is not right. I feel terrible about this. This is not right. And this had taken months to get together and anyhow, so I moved on. And then in November, someone very close to me rang and said, my gosh, my husband's just had a cardiac arrest on the side of the road. They've resuscitated him, they're flying him to hospital. Can you come with me to the hospital? It's like, yeah. So we quickly got an Uber, got to the hospital and they put us in this nice little room, not in the waiting room, which I thought was lovely. Turns out that's the room they put you in when they're going to have that difficult conversation. So we're sitting there, we can hear him screaming. They resuscitated him. They broke 14 bones in his ribs, which punctured all his lungs. Every breath was a nightmare. And, you know, over the course of the evening, I don't know, from 5 o' clock to midnight, they kind of got him stable, put him in induced coma. And we'd gone through all of that kind of, he's going to die. And we got to the point where it was okay, we enough, we've got enough. And you know, he's stable and we can't do any more. And then we had this conversation and she said to me, gosh, you know, I've got this like million dollar home mortgage. What would happen? I was like, it's okay, you've got the investment properties you could sell. And I said, actually, we got that insurance for you as well. You've got insurance if something happened either way, but you've got insurance that will protect you for the next six months or so when he is in recovery and he can't have a job or can't work, there's a payout there as well. Like, you know, we're good now. He's, he's stable, he's fine. Fast forward one week, you know, had a few stents put in, out of icu, out of hospital, put him in it. They were like, we could throw him in a taxi and send him home if you want back at home and recovery. And at that point I thought back to that teacher who died tragically and that family that had to go fund me just to afford the funeral. Not the mortgage, not the continued living. And I thought, this is not right. I can't in Good conscience be, I guess, quietened. I can't not help people. My intention of setting up this whole company was so that I could actually assist people to create, you know, the life that they wanted and they desired and to spend time at home with their families and, and have, you know, the security to allow to have choice. And that was no longer true to me. So at that time I started taking some action and Lisa, who had been the broker who'd worked with me for the last 10 years and was who most people spoke to when they weren't talking about strategy or initial calls. I spoke to her and said, look, I actually want to serve people in a bigger, higher way. And I don't feel that I can do that with the company as it is because since APRA and ASIC and the Hayne Banking Commission has put all these restrictions on how we can actually serve our clients, the greatest good I no longer can. And so we came to arrangement. She's got the same financial arrangement she had when she was working with me that she's looking after my existing clients. But here's the interesting thing. So Investors Choice Mortgages is essentially now no longer writing loans for clients. Our current clients are well and truly looked after by Lisa, still just under a different name. And you know, if you go to investorschoice.com you will see. Let me just pull that up for you. If you go to Investors Choice, you'll see the fact that when. Let me see if I can share my screen. That would be really fancy, wouldn't it? You'll see that there is an opportunity to, to actually talk to either Lisa or to talk to the. Let me have a look to another broker. So, you know, the way that, that this will work essentially is the fact that people who go to Investors Choice, you know, if you are going, if you're an existing client, you're going to go through and be able to book a time either with me just to see what's going on, but with Lisa and if you're someone who's looking for a mortgage broker, I actually have for the first time, which is amazing, the ability to actually work with some incredible other mortgage brokers. So as being one of the top hundred brokers with my aggregator and having the most amazing opportunities in their national conferences to hang out with the best brokers in Australia, it gave me a realization that every time I try to employ a fantastic broker in my business, you know, the best brokers have their own companies, they don't work for someone else. And I was sitting there going you know, I can't actually tell my 30,000, you know, strong community of your property success clients that I'm a broker because we have no capacity to deal with them in the way that I want them to be dealt with and having, you know, an amazing experience. But now I have agreements with a number of other brokers who are incredible. So, you know, if you're looking for a mortgage broker at the moment, you're probably going to talk to me if you click that link. But there's an opportunity to, and I think I even have something here that I can say, yeah, there's an opportunity to, to be introduced to a mortgage broker from me. So I'm no longer writing loans. Big announcement that has been months in the making and probably a year in the making. And that's because, you know, I no longer can serve people in the greatest good of how I wanted to and how I wanted to, to turn up and assist. So you know, I really, it's true for me to do that and it allows me also to, to start some new things and to, you know, have an opportunity to also, you know, share with people some of the things that I'm working on. And you know, as, you know, you know, I guess that's the thing is that with Investors Choice there has been an opportunity to, you know, show people what I've been doing and there's been an opportunity to do some things a little bit different. So that's, that's kind of where we, I am at the moment with the mortgage broking business. I have had 18amazing years, you know, obviously had accolades and won many awards and had the opportunity to share that finance news and information and effect change for thousands of people. And I'm really blessed to be able to do that. And I think, you know, lending wise and value wise, you know, I've been able to, you know, touch nearly a billion dollars worth of real estate in Australia over the last 18 years. So investors Choice Mortgages no longer writing your loans. Our current clients, please know you are well and truly looked after and you will see hardly any difference. And for people who are looking for a broker, you know, I've done a lot of research into different brokers who I believe are great in what they do and it's just about lining you up with whom I think is going to help. And you know, I had a conversation with someone yesterday who was looking for a broker and in the end, you know, I told her her broker was doing a great job and you know, the fact the interest rate rises had stopped. Her borrowing was actually where she was. You know, the person who was looking after them was doing her solid. And I'd be doing her a disservice by referring her to someone else who it wasn't across all of the intricacies of her business, couldn't learn them quickly and probably didn't have the knowledge to actually put the big changes in place that she wanted. Just have to wait her time out and, you know, so I'm not in the business of referring people just to get a click on the ticket. You know, I really want to make sure that people have the right insights and information to go forward. So investors choice, big changes, and your property success as well. So, you know, if we think about your property success, I started your property success back in 2000. You know, I started teaching. Oh, gosh. I started teaching around 2007 in community colleges in Sydney. I then went on stage with property women with the Renault Kings and was their finance and renovation expert. I taught there. I met so many clients there. I then taught through Defense Housing Australia, and they were amazing. We had one of the Defense house properties in Manly in Sydney, which is incredible. And I told them that I would share my experience, but I'd also tell them why not to buy DHA properties. And being a government not for profit, they love that. And so I got to tour the country and be their broker of choice for many years. So I've met many of you through that. And then in 2011, I was looking around thinking, I really want to help more people rather than just a few quick people at a time. And at the time, you know, it was really snake oil salesmen in Australia run to the back of the room and buy a course. And I found someone in America, spent $10,000 on mentoring, which at the time felt like the biggest amount of money ever. Convinced my family that I could chop off to America two or three times a year to go to these master classes. I met the most amazing people and I learned how to put education online with authenticity and honesty. And, you know, for me, that was the. The main thing was that, you know, I had the opportunity to. To show people how to be educated in the right way. And, you know, for the thousands of people who have gone through the courses that I've had and the webinars and the ebooks or read my books and, and, and genuinely sent me the most amazing, you know, testimonials, which I rarely share. But, you know, lives have changed and that's why I started the business. And I really Appreciated that. But something changed when I had done this Create your destiny course. I realized what my connection was, and that was, you know, giving people the opportunity to live their life, of their dreams, to. To live their true nature and purchase. And that's why I took the ultimate guide to renovation and the location masterclass off the market just recently. You know, for those of you who've seen it, I'll put the link in. It's available to the end of the year. Suburbs, like, the software is not in there. I've created two whole new new courses, Renovate yourself, renovate your wealth and your way to wealth, magician's way, which is around money mindset. And, you know, essentially I've got $5,000 worth of courses for, I think, $697. They're available if you want them. You can download all the stuff from the ultimate guide to renovation and location masterclass. The reality is they're probably going to be there past December 31st, but I just wanted to put a date on there in case I ended up, you know, spitting the dummy and taking the courses down. I don't want people to. To be disappointed. So essentially, you know, that's where we were. And so I'll put in that link, the lot. You know, you can have all of my courses. But what happened at that stage was I essentially created your success club. So that was from the learning. From this modality of learning about, you know, create your destiny in the natural success modality, which I loved because it meant you weren't broken, right? You didn't need fixing. A lot of these courses, you know, they're like, you're broken. You need to do past life or childhood trauma or, I don't know, whatever. And I was like, yeah, don't feel broken. I don't think people. I know, I feel broken. Like, you know, but I'm looking at how to elevate and what holds you back from elevating the next step. And it was this quote from Bishop Desmond Tutu that really, really reinforced to me what was going on. And he said, you know, I was rescuing people from drowning in the river. And then I realized that if I went upstream, I could stop them jumping in. Like, blimey, did that resonate with me or what? And, you know, I was sitting there and I was thinking, God, this is so true. I have been looking at people creating this life that they want this. This true nature and purpose. And I've, you know, really been concentrating on this. And then I sit back and I like, how do I can I do that well. I've got this knowledge down here around, you know, a property and investing. I can help them here. And this, you know, will give them the ability to go up here and change all of their life and everything that they want. And so I was down here. I was down here in the stream. You know, people who were, like, using property as a reason to, you know, create all of the things that they wanted. And yes, property and wealth and financial security can help you do that. But what I found with my mentoring clients was there was something, always something else. And some people had a set point. Even though they'd make money, they'd lose it, or even though they'd go through all my courses and they'd get down to the suburbs and the properties and they'd get alerts to buy, they wouldn't buy. And I was like, what is this? And then I realized it was this mindset. It was this. The beliefs or limitations or the stories, the patterns from the past that we had that were just playing out and this modality and the starting of this course. Actually, I even have his books here. I have my book here, still for sale. Thank you, everyone who keeps buying it. After 10 years, I started reading Williams books. I did his course. This is kind of like Rich dad, Poor dad. It's a nice story that introduces you to it. This is kind of the fundamentals. But, you know, I started reading this stuff and landed with me, and it made sense, and I see it making sense for other people. And as I've introduced hundreds and hundreds of my community to this course over the last two and a half years, and over the last two years, having been a natural success accredited coach, I've had the opportunity to see those transformations and see people go for what they really want, not being limited by their past and the operating system they've been working under, not knowing why they're not getting ahead. So I created Renovate yourself, Renovate your wealth. Look, I'm really proud of that course. You know, it starts. Module one starts with money stories, and it starts with, what are the stories that you're telling yourself? And I ran this as a live zoom. Sorry, as a zoom. It's recorded. And, you know, I had permission for all the people who attended that to be on the recording. But, you know, there was this one lady in particular when we went through the money story, she was like, God, I didn't realize this, but I hated rich people. I thought they were evil. My family stories about rich people, you know, they were bad. And then you Know through her own hard work and determination, she created wealth for herself and she got to buy a property where the rich people lived and she went into a deep depression, she got sick and she felt bad and she's now going, I realize why I associated myself with being bad and evil. And so there's some money stories and I would love to share with you just even like I'd love for you to do the course but I'd love to share with you the first module of that course. And if you want to join. Let me think, I think I've got something here. Yeah, if you want to join my Facebook group, if you just type in your success today group. You know, I am giving people that first module for that course away as a gift for joining because I really believe that, you know, sometimes there are stories that we have, we're on this old operating system, it's like, well, I like Ms. Dos that you know, we're working on and everyone else is on, you know, Windows 11, Windows 12, Windows 13, you know, and everyone else is on a different path. And I think just becoming awake to and aware of the way that you operate, you'll realize it's not just your wealth. And that's why I created the next course. In actual fact, next course is based on this book I worked with William. I did a one Day Live and you know, just some simple premises about the seven secrets of creating true wealth of spiritual community, you know, relationships, health, wealth, everything you want to create in your life. That's that the next course in the series there. And the reason I created that was, you know, I want to give people the gifts of the seven ways that they can achieve this. And it was so much fun. You'll see in the recordings if you, if you get that course just the, you know, we use virtual reality headsets to, to demonstrate one of the premises. I had a magician come in and do amazing tricks and tell them the most amazing stories. So anyhow, I'd love you for you. Join the club. I'm going to put the link below. You know, my true intention around this is helping people create the life that they want. I am fully committed to not being restricted to, you know, what is happening in the world and the way that we operate. I have loved having investors choice mortgages over the last 18 years. I've loved getting to know your stories. I've loved seeing the transformation. I've loved being part of, you know, working with mums and dads and then their kids, kids and seeing them set themselves up with the life of abundance. But this is really true to me, you know, I can really see how this will have much more impact. And you know, that's how my, that's how I'm on a role, you know, and I don't want to be curtailed by a government institution that tells me that I can't talk to people about securing insurance for themselves so that their family's protected if they, if something happens. And you know, I got to see that, you know, externally with my son's teacher. I got to see that with someone close to me. And you know, I'm not going to be stopped in my intention of helping people create a life so that they can live their true nature and purpose and teach their kids how to do it and create a community of people who are aligned to doing everything that they want to do and achieve in life. So with that I also have, I'm still mentoring, I'm mentoring people who are starting businesses and have done this natural success work or trained in intuition because in actual fact it's the quickest way to get the information. And I'm loving seeing the businesses that they're creating. And I'm working with the most amazing people. An accountant, financial planner, that is just incredible in with their insights. You know, someone who is creating, has a business that goes in and helps manage and create stylized renovations for people, but also around what they're trying to create in their life and giving a real holistic look at what they're doing. Someone who's, you know, working with GUT health, who has just helped their kids themselves with this incredible GUT health program, overcoming eczema and having seen their child go to sleep every night crying and scratching to being a happy, healthy child and seeing the changes in their lives and seeing how it can affect middle aged and old people with some of the arthritis and inflammation and even brain fog, all of these things. And people who are creating these amazing coaching programs to help people in the natural sense, success modality, you know, help them achieve what they're trying to achieve. You know, people who were, who are creating these beautiful retreats. I've got a client at the moment who's got an incredible retreat in Bali right now who's doing like sound healing, who cured themselves basically using sound healing from a broken pelvis and could walk again. And you know, this is, these are people who have amazing corporate careers who are going, you know, they're so something else I want to do and, and then transitioning into that and just, you know, watching, you know, as someone who Helps family members who are dealing with other family members who have addiction problems. You know, I, it is just incredible, you know, looking at the, the businesses I get to play with. So you'll probably see me promote some of these. You know, one of them has this incredible, incredible platform for small businesses to give, you know, mindset health and safety and meditation. All these beautiful hundreds of people from around the world in this platform at least it's like less than 12 bucks a month per, per client to have access to help their employees. So you know, I love being part of their businesses. I love helping them create, you know, that BAM business accelerator, mentoring, the three month program that I'm doing there. I'm only working with less than 10 people at a time so I can really just double down and help them. That's where my heart is. That's what I'm doing and I love it. And you know, property will always be there for me. My husband and I have just recently sold a property. You know, it's been 20 years. We created a portfolio that at some stage we could sell and we've been able to do that with one of these properties. And you know, when you buying a property at 600 and you're selling it over 2 million and it allows you to wipe out some debt, be nice. You had the money to go and flash around, but you know, there's a lot of debt that people are carrying at the moment. And I, I do feel the, the pain that people are going through. We're getting calls all the time here, people who are going, how do I keep my portfolio? And the reality is a lot of people can't. You know, when you come off a fixed rate. So I was on a fixed rate of, there was 6% difference and it's around about a million dollars in lending, but it was a, it went from 3 to 9.3%. So that's an extra $60,000 a year after tax. So what's that 100 grand or so that you have to earn to be able to pay that extra. Now that's a lot of money. And I get it, I understand it. You know, and there's some home truths that people have about having to go through and maybe look at their portfolio. And I've created a portfolio review tool to help people do that. And you know, I'm still committed in helping people, you know, secure the life that they want through property. I'm just not doing hands on. So, you know, I'm helping people putting cash back in their pocket at the moment. I'VE got a campaign that allows people to get a Renault save card, which is now, and access to the property developers network for free. I cover the cost for the first year and, you know, I'm getting emails from people going, oh, I didn't believe that you were really doing this. And I signed up and I've just saved $1,000 of Bunnings. I'm like, yay. So, you know, I'm still committed in serving people with property. I'm still watching the market a little bit. I have got one slide about the market. I know it's a bit different to my normal Q&As, but, you know, the fact of the matter is that a lot of people are in the here and now and they're watching the market go up and they're watching it go down and they're seeing, you know, some of the difficulties they're going through rather than concentrating on what they want. And I really want to be working with people who want to concentrate on what they want to create. Understand that what's happening right now has effects, but looking at the big picture and looking in context. So if you're interested, please go and jump over into the your property success. No, your success club today Facebook group. There is a page as well that I've just started. I think there's only 20 people who like it, so go and like that too. I'll put that in the notes. But you know, I'm going to be serving you as, as I can in bringing, you know, interesting people in the property space to talk to you. I do have a secret little property platform I'm creating at the moment that I looking forward to sharing with you by the end of the year. But you know, at the moment things have changed a bit and it's been a real privilege to work with so many of you. I look forward to working with many of you in the future, supporting you here in the group, your property success, and also supporting in your success club because, you know, that's really where I'm concentrating at the moment. And in actual fact, I'm going to share this with you with your success club. I would love you to be able to look at my second screen here, let me just show this. Nope, I'm just going to share again. Love it when a plan comes together. This is your success club and you know, I'm really looking forward to, you know, showing people a little bit more about this, but I've gone through and I have created this Money Mojo quiz and you know, I really want to help people to, you know, understand about their money mojo, their personality, how they turn up, you know, what's that look like? So I really encourage you, go and go and do this money Mojo quiz. Find out, you know, what is your personality and how is that holding you back and how is that, you know, something that's a bit of a gift where you can use the opportunities if you're interested in that course, renovate yourself, renovate your wealth, your way to wealth. Those courses there, they're 397 Australian each, as I said, if you want them. And the Ultimate Guide of renovation, which is $3,000 location masterclass, $1,000. I'm selling all of them for 697. And if you actually want a vision call and finding out what the future is for you, I would love to share that with you as well. So, yeah, go and check out your success club. I'm really proud of it being the next generation after your property success and this club. And thank you so much, thank you so much for your feedback and your support over these. I hope that I can continue to support you and watch next month there'll be lots more. And before we go, let me just show you. We have, I do actually have one more slide around the market at the moment. So let's touch on the property market, shall we? Because, hey, that's why we're really here. What's happening in the market is, I think, interesting. We've had a few developments. Let me see what I can do here. Nope, we've had a few developments in the last couple of months. You know, the market's going up, let's face it, it's slowing down a little bit. I was checking out some of the market updates in the last couple of weeks. As I said, I've been on safari for three weeks, so I'm only just getting back into it. But I was looking at what Mark Michael Yardney was saying yesterday and you know, they really are, you know, looking at Louis Christopher and his predictions from last year, if rates went up and you know, there really is still growth opportunity in Australia. And there's a couple of reasons why Michael in particular said that, you know, this is continuingly going to be the way of the future. We've had, you know, historically low unemployment rates, we've got lots of spending from the government, migration, you know, we only had a couple hundred thousand people come to Australia previously it we're up 4, 500,000. You know, there's a lot of people who need places to stay, which we know has made the rents go up and vacancy rates go down. You know, I remember three years ago doing people's property reviews of properties they're buying. And every time I went to Sydney, it was like a 5% vacancy rate. And, you know, 3% means that there's more properties than people looking and properties about equilibrium. We wanted it below 3%. This meant there was a lot of properties on the market. So we've had this huge change in just a couple of years, which should help us kind of realize that the market goes up, the market goes down. You know, there, there are, there are opportunities for us to, you know, do things now and maybe suffer a little bit of pain to set ourselves up for the future. Brisbane is finally coming back. It missed the last two market terms with, with when Sydney and Melbourne went. So it's good to see Brisbane back. I am disappointed to hear that Dan Andrews has said no to the Commonwealth Games. And just like when he said no to the tunnel, billions of dollars that had already been spent and, and fees had to be paid with absolutely no result. I spoke to someone just this week who said, hey, I'm thinking about buying in Ballarat because of the Commonwealth Games. I'm like, yeah, government changed, so they're mines. There's no Commonwealth Games. So we see with NRAs and NDIs all of these changes. People who are buying for one particular event or one particular strategy often get disappointed as soon as the government uses their pen and gets rid of those things. So I'm always going to be an advocate of good quality, established properties with a twist, adding some value through renovation, maybe subdivision, maybe development. You know, my go to has always been renovation. But, you know, I have many colleagues and property experts that I respect who do it a different way. But it's all about, you know, the land value. It's not about off the plans. It's not about new construction. And, you know, I've just been on this salsa ferry with people and two very, very clever coaches and successful business people. And they both said, I'm not going to say who. They both said, oh, we went to this seminar from this person five years ago or six years ago, and we bought this house and land package in Queensland and it went down straight away. And it's great. You know, we've just made so much money because we made, you know, $100,000 in the last year because it's gone up. And I sit there thinking, God, the properties that I saw people buying five years ago, they doubled their money. 5, 6, $700,000. And these very clever business people were sitting there going, isn't this great? I made some money. Where in actual fact they could have done so much better. And so hence why I'm not going to be someone who follows the latest let's buy in Florida or Miami or do flips in in New Zealand because they have no capital gains tax or whatever. The thing is at the time, good quality properties in areas where people want to live the standard type of property that they want, maybe plus one bedroom, if you can add a home office is, you know, and having the ability to add value is always, always going to be the way that, that I will serve you in bringing, you know, other educators in or my opinions of what are happening. But the story doesn't change. And as I spoke to someone just recently who said, geez, Jane, I've been listening to you for 12 years and you never change, you always keep going on with it. And as Effie, who was the editor for Money magazine for many years said, Jane, you're meat and potatoes. I just need a standard response or comment from you. Everyone else is either one extreme or the other, capital growth or cash flow. And I'm like, I want both. So as you can see, you know, there's many reasons here. International demand for Australian property. I still, as I said three years ago, we will be the sanctuary for the rest of the world. The security that interest rates have peaked. I know a lot of people are in pain. We're seeing a lot of selling. I know a lot of people in pain because we have a lot of our clients who are going through divorces and separations at the moment. And as horrible as that is, Covid as really is that exasperated a lot of those relationship issues which, you know, I'm heartfelt sad about. We don't have a lot of building in the pipeline. You know, there's, there's a lot of reasons why the market will continue to go up. And thank you for, you know, your lovely comments and, and, and yeah. Acknowledgements. It has been an absolute privilege to, to do this. Things are changing a bit. I'm not going anywhere. I have a change of focus, but I'm still going to serve you and provide good quality, you know, property information and property experts. A lot, a lot of friends that, that I've gained over the years who we get together on panels or we get together when we, you know, in similar articles or TV shows or news, news articles etc, so you know, those people of integrity have been here for the long haul. I still continue to you know bring those to you and serve you in the highest possible way because my intention is you know that you have that abundance in your life be it financial, spiritual, community, career, family, relationships. But you know I really want to inspire people to go for what they love and create abundance and just a bit of a new focus. But so don't think I've abandoned you. Just know that I have your higher good in my sites and I would love to introduce you to ways that you can create the life that you desire as well. So with that I am going to sign off. We've been talking for an hour and five seconds so I really appreciate you tuning in. Thank you so much. For those who are watching the recording the comments below I look forward to talking to you next month bringing you more and more good quality information and as always you know the drill. Here's to your property success.