Stimulate yourself with FREE MONEY from the Government

Apparently there has been some kind of downturn around the world, and even though Australia is not affected as badly as the UK and USA, our government is handing out FREE MONEY, courtesy of the Aussie Stimulus Package. 

You can get some, yes you can!

Disregard the limits that the news told you and get creative. There are many ways of adjusting your income to get free money: TAX TIME IS COMING! 

Plan ahead now!

Would you like to get a $5 000 tax cheque?

Would you like to receive a $12 000 investment for FREE?

Would you like some “Ruddy Money” from the government?

Before you say “that’s impossible” or “I don’t qualify”, just consider that there could be a way to do this… if you can only discover how, and have some expert advice or assistance.

Peter Frampton* is a client who earns $142 000 and will pay almost $45 000 in tax. He would like to pay less than $30 000 and can reduce his tax in several ways:

1.      Borrow $500 000 to buy property or shares and pre-pay $37 000 in interest.

2.      Borrow $400 000 for a Capital Guaranteed investment & pay $53 000 interest.

3.      Borrow $37 000 to invest into a tax-effective investment.

Even if there may be limited risk, the first two options will tie up hundreds of thousands of dollars for up to five years. The third option is a smaller investment, with less capital risk and uses “one-off” money with no ongoing expenses required.

Investing into something tax-deductible also means that Peter may qualify for the Australian government Household Stimulus Package & receive Family Tax Benefit Part A. This could add up to over $12 000 in extra refunds & entitlements for Peter and his family.

Andrew & Cheryl Coates, a family where both partners work* could borrow from their mortgage, contribute $12 500 into a tax-effective investment and receive tax refunds and entitlements worth just over $12 500… This in effect grants them a free investment!

The current economic situation will not continue forever, despite what the media may tell you. The current financial circumstances are almost an “action replay” of what occurred in the early 1990’s in Australia. Real estate boom followed by bust, interest rates that climbed dramatically and then halved within a few months, sharemarket crash and so on. (For more on economic cycles, refer to our website for free tools or a free book.)

The difference in the repetitive cycle this time is that the Aussie government is throwing much more (Ruddy) money into the system, and so far, Australians (and the Chinese) are not in a recession. The USA and the UK are in dire straits but so far, we are doing OK.

How can YOU make money out of the global financial crisis?

You can take best advantage of the current economic situation by following the advice of legendary investor Warren Buffett: “The best time to invest is when others are afraid”.

·         You may consider investing into property now that interest rates are almost half of what they were in 2008, or if property prices have fallen to more affordable levels in your area. (Call IMP to check for home loans or investment loans starting at under 3%).

·         You may consider investing into some good quality blue-chip Australian shares now that they are practically half price. (Call IMP to check find out which investment is best for you, as cheap doesn’t always mean good value!).

·         You may consider investing into a government-approved tax-effective investment to secure a 100% tax deduction, maximize your Family Tax Benefits and boost your tax refund. (Call IMP to check what you may be eligible for; even if you think you cannot qualify. There is more than one way to skin a cat!)

You may know of some people who are wandering around, saying things like, “I should have bought a house in 1999”, or “I should have sold all my shares last year”, or something similar. Aim to be one of the few people around in 2013 who are saying, “I’m glad that I bought XYZ share/ JKL property in 2009”. Aim for joy and not regret.

Opportunities like this, where borrowing costs are low (now the lowest interest rates since 1960) and prices of many properties and shares are low, do not come along every day. Get some good advice, get some independent advice, and then, most importantly of all, take some positive ACTION!

Remember the sacred words: “You have not because you ask not. Ask and you shall receive.” This may apply to heavenly blessings just as it applies to tax deductions and great investments. J Remember to ask for what you want and then see what happens!

Newsletter subscribers receive great investment tips, free books & free mp3’s or DVD’s. Join up now at our website.

www.IMPfinancial.com.au

  

Jeremy Britton DipFA SA(Fin)

*Everyone’s individual situation is different, and depending upon your circumstances, this strategy may not work out like the above example, for you. (You also may not be called Peter Frampton). We invite you to make a quick phone call to see if one of the above strategies may be a possibility for you. Call IMP on 1300 762 624; we can even have a quick chat to your accountant on your behalf to find the best way to help you to pay less tax and receive more government benefits. If you don’t call and ask, the answer is definitely “no”. Give it a shot! JCall us today and discover what is possible. IMP planners are not aligned with any financial institution & can give advice from multiple providers. 1300 762 624

Investment Management Professionals Abundance through Education

In this issue: Blog update Why is this Financial Adviser in handcuffs? Terrible joke to make you smile  Seminars to motivate & educate Wealth Coach is coming to town Forgive us, please, "our hands were tied" Why is this Financial Adviser wearing handcuffs? We are starting to get more cheeky in our marketing, as we battle against what we see as unfairness in the financial industry. Many advisers are not providing their clients with "independent" or "unbiased" advice, and many advisers are not even telling the truth about this... Rainmaker Research's Alex Dunnin says that there are 16,000 financial planners in Australia, and over two-thirds are aligned with only one provider. Dunnin says that this figure could be "as high as 80%" of financial planners who are working for "The Big 30" companies and not truly working for YOU and your interests.  This "Big 30" includes banks such as Westpac (BT, St George), Commonwealth (Colonial), ANZ (Asgard, Esanda) and National Bank (MLC). Also high on the list are financial providers such as AMP, ING (RetireInvest), PIS (Mentor) and AXA (Charter). Some advisers may even claim to be independent, but still not provide independent advice, according to Dunnin.  "When a financial planner says they're independent it might be because they're an independent franchisee... (but)  they're an independent small business who is part of a bigger corporate network," he said. Confused? You may be. Cranky? You should be. In the book "Who's Taking Your Money?", Jeremy Britton and the IMP team expose which companies are behind which other companies and suggest that clients seek an adviser who is unbiased. You can download a complimentary report from our website called"Fifteen Questions to ask your financial planner".  The most important question to ask a financial adviser may just be "Who do you work for?" (or "for whom do you work", if you are an English teacher.) If the adviser says "XYZ corporation" then they may not be really independent. Their hands are possibly "tied" (or cuffed!), as they must recommend solutions or products from that company and none other. If they say "I  work for YOU", then you will be on the right track for a better deal.  An adviser who can source products or solutions from multiple providers, one who is "untied", one who works for YOU, is more likely to have your best interests at heart. Jeremy Britton Please check our Blog for new 2009 updates (click on Blog, and after you see 2009, scroll down to see where we advised clients to get their super money out of the USA over a year ago...)  If you have NOT reviewed your super, you may still have up to a quarter of your super invested into the US market. We can fix this WITHOUT having to change your super company. Just call 1300 762 624 for a free "Super Checkup". Also encourage your friends to do the same!  Do you think we should put a Star on top? Someone sent this "Christmas Tree" card to us at Christmas and it made us laugh... We hope it brings a smile to your face. Be assured that "whatever goes down, must come up" and that this cycle will be just as cyclical as the last dozen!  (By the way, the chart for 1986-1987 looks exactly the same. We recovered from that and we will survive this one also!) Seminars to educate & inspire Please put these dates into your diaries in advance.  Roy McDonald (Billionaire Mentor to Jeremy Britton & Jamie McIntyre) will be on the Sunshine Coast on February 17th. Free evening seminar from an independent qualified realtor and financial planner, also free book signing of "How to turn $1 into $1 million in 7 years or less". Awesome advice on property, shares and more. Please call IMP on 1300 762 624 to book. Jeremy Britton (24 Hour Wealth Coach) will be in Toowoomba on February 27th & 28th. Review your investments & super for great advice without the bias or hard sell. Initial appointments for new clients cost nothing but a cup of green tea... Call 0410 468 378 and encourage your friends to do the same! Business Owners: Jeremy can hold a free 20 minute superannuation workshop for your staff. This makes YOU look really good! Call IMP on 1300 762 624 for bookings. Allan Pease (Mr Body Language) will be on the Sunshine Coast on April 20th There are only 200 tickets for all of Brisbane & the Sunshine Coast, so book in early at this price! Pease tickets were $85 in Brisbane in December and will be $195 in Gold Coast in March. Our price of $60 includes hot breakfast, $400 for a table of eight. Please call 1300 762 624 to book in. Remember to check the Blog, check your super to "boycott US shares" and check that your financial adviser is not "tied" to someone other than YOU! www.24HourWealthCoach.com  Your best source for unbiased advice, books, videos and "Abundance through Education". Check out Jeremy's new "I Love Women" video. (Youtube.com/24hourwealthcoach)

Aussie business quite optimistic for 2009

Article from: The Australian  The Australian

AUSTRALIAN entrepreneurs are among the most optimistic in the world, surpassing the US, Japan and Britain for a positive outlook on the year ahead.

The 2009 Grant Thornton International Business Report found that despite the global financial crisis, almost half (46 per cent) of privately held businesses in Australia were bullish on the domestic economy.

This places the nation as the 10th most optimistic economy in the report, well ahead of the US (22nd), Britain (27th) and Japan, the most pessimistic nation in the 36-country study.

India has the most optimistic business owners, with the emerging economy scoring an optimism rating of 83 per cent, compared to the global average of -16 per cent.

In Australia, 80 per cent of entrepreneurs believe their turnover will increase this year, or at the very least stay the same, with two-thirds expecting to achieve similar or higher profits to 2008.

In light of this positive outlook, 39 per cent planned to increase investment in plants and machinery this year.

Grant Thornton Australia national head of privately held business Tony Markwell said entrepreneurs had an advantage over listed companies in times of commercial stress: "They can move quickly and decisively to exploit changing economic conditions because they're smaller and have fewer stakeholders. Defensive action in the short term may be necessary, but we're telling our clients to hold their nerve and get a strategic plan in place for what could be a very productive new marketplace."

But Australia's optimism rating of 11 per cent is less than a sixth of that at the same time last year. Optimism around the world has slumped by 56 per cent in the past 12 months.

"Last year two-thirds of businesses across Australia told us they were positive about the 12 months ahead of them, now that figure has fallen to just under half nationally, and to a third in NSW and Queensland," Mr Markwell said. "With such an unprecedented pressure on the marketplace, it's inevitable that firms will be feeling the strain, but the right attitude is critical in weathering the storm.

FULL ARTICLE:

http://www.theaustralian.news.com.au/business/story/0,28124,24909674-5001942,00.html

Investment Management Professionals

Abundance through Education

Investment Education Seminars for $zip

What is an I-share?

What Millionaires Do, and YOU Can, Too...

Financial Planner, Wealth Coach & Author Jeremy Britton will be speaking at several locations in Queensland during April. Please contact the IMP office for bookings on 1300 762 624 or call the venue (all are free events).

April 1st 3pm Brisbane Church of Christ Headquarters, Kenmore

April 2nd 10am Brisbane Convention & Exhibition Centre, Southbank

April 3rd 10am Brisbane Convention & Exhibition Centre, Southbank

April 18th 10am Whitsunday Anglican School, Mackay

April 19th 10am Mackay Convention Centre, Mackay

I-pod, I-phone, I-shares?

The Apple computer company turned the world on its ear (bad pun) a few years ago with the launch of the I-pod portable music player.

Since then, we have also seen the launch of the i-phone mobile phone, which includes satellite linkup and 'pocket computer' characteristics.

New on the horizon are investment vehicles 'i-shares', which may be set to turn the financial planning industry on its head.

For many years, if the public wished to invest into Australian shares, they could approach a stockbroker for direct shares or a financial planner for indirect shares or Aussie managed funds.
Both had their pros and cons, and the investor had a choice between using the two services to generate a similar result.

If the public wanted to invest into overseas markets (e.g. buying shares in China or Japan), it was mostly too difficult or too expensive to use a stockbroker, so the investor could have to use a financial planner to invest into overseas managed funds.
This seemed to then become another distinction between financial planners and stockbrokers: one could get you an overseas investment and one could not.

(It is important to realise that the vast majority of financial planners are not accredited to advise on direct shares as a stockbroker may do.)

With the introduction of i-shares (the I stands for "international"), Australian stockbrokers can now assist the public with investing into overseas markets. You may choose to buy a market such as the Chinese Index or Indian Index and this will be traded on the Australian Stock Exchange (ASX) in the same way as a share in Woolworths or Telstra.

Does this mean that people will no longer need to see a financial planner? Depending upon the clients' need, it could mean the demise of much of the planners' business. Certainly, losing the "overseas exclusive" may affect planning businesses.

There will always be room for good strategists, but a broker may start to fill a need that was once the sole domain of the planner...
Some planners may upskill themselves to be accredited in i-shares and ASX shares*, while others may simply find that they have lost significant advantage in the new open playing field.

It is unlikely that Microsoft will launch rivals to the Apple i-pod and i-phone. To do so could be expensive, risky or futile. Far wiser to concentrate on the home PC market and gaming consoles such as the X-Box.

As for what the financial planning industry will do to compete, we can only guess. Perhaps fees on overseas funds will come down in response to the availability of i-shares. We can live in hope...

CAUTION: there may be far greater volatility in I-share prices than in standard ASX shares, due to the nature of overseas markets and also the affect of currency prices (the Aussie dollar).

Jeremy Britton and Jacob van Rensburg are both qualified financial planners who are also uniquely accredited to advise on managed funds, direct ASX stocks and i-shares.

Find out more: www.24hourwealthcoach.com or 1300 762 624

To unsubscribe, please click here. Investment Management Professionals Pty Ltd ABN 37 115 359 316, corporate Authorised Representative #306558 of Financial Planning Services Australia Pty Ltd, AFSL 225982. www.24hourwealthcoach.com

How to avoid an 80% loss --- Have a prosperous 2008

2008 - The Year of The Triumphant Dragon & the Dying Eagle? Jeremy Britton







Thanks for your support throughout 2007: the year that was saw some mining stocks rise 100% and the US dollar drop 20%. This year we expect big things due to the 2008 Beijing Olympics in China, possible further interest rate rises, the change in government and maybe some more financial shocks out of the USA.



Is your super invested in the USA or China?



(check closely before you answer! Call us if you do not like the answer!)

The 2007 year also saw the collapse of several investments, including trouble with Prime Mortgages, Australian Capital Reserve (ACR), Bridgecorp, Fincorp, Westpoint, Centro (80% loss on commercial property?) and the US sub-prime mortgage fiasco, among others.



Interestingly, NOT ONE of our clients was affected by the collapse of these companies nor by the downturn in the US economy. (Insert your prayer of thanksgiving here.)

Did the team have crystal balls? No, we just look back to the past for clues to the future... (Would you like to learn how to do the same? Call us now!)

Stay tuned for further improvements to the IMP business, including the addition of a new financial planner & stockbroker, new facilities for investment loans & home loans, a new life insurance broker and the introduction of some amazing new taxation structures and tips for making you money and saving you tax… Some clients now pay 5% tax, not 45%.



We will also run a FaceBook campaign during Feb/March, to give away hundreds of free books to educate & enrich our fellow Australians.



In April, Jeremy will be speaking at the Brisbane Churches of Christ HQ in Kenmore (April 1st), the Brisbane Convention & Exhibition Centre (April 2 and April 3) and at the Mackay Investment and Money Expo (April 19th). Free talks will also be given at Holy Spirit High School in Mackay and Mountain Creek High School, Sunshine Coast. Please contact us if you would like to attend.



If you know someone else who would benefit from unbiased education & independent enrichment, give us a call and see what we can offer.



All the best for a prosperous year





Jeremy, Jacob, Megan, Tim & team from IMP

How to be a Heroic Investor

How to be a heroic investor

Unless you are a soldier, policeman, fireman or even possibly a public school teacher, you are probably thinking, “I don’t risk my life on a daily basis. I am not a hero. What does this have to do with me?”

The answer is that anyone can be an inspiration to others. It is your humanity that makes you a hero. Mahatma Gandhi and Mother Theresa could have just sat on the sidelines, completing crosswords in the rest home and no-one would have blamed them. Instead, both risked their lives to bring change. You may not battle against leprosy, poverty or the British Empire, but you may choose to take on something that is bigger than you and try like crazy to overcome it. You may make it your life’s work to eradicate third-world debt, save the numbat or invent a better-tasting lamington.

You may choose to skip the huge awesome goals and consider simply doing one thing each day to make the world a better place. You may never risk your life in the course of your goal, you may only risk poverty, failure or humiliation. Those are still big risks, and big risks are often placed smack bang in front of big rewards and big achievements. Know that you may fail. Feel the fear and do it anyway.

Your local library will be filled with autobiographies from real-life heroes who bounced back from overwhelming odds: Nelson Mandela, Richard Branson, Motzart, Rembrandt, Abraham Lincoln and others. (Lincoln’s story of three failed elections, failed businesses, the death of his wife, his son, and quitting politics is particularly inspiring; because nothing seemed to go right for him until after he turned fifty. 50!)

Locals like “Aussie John” John Symond , Dick Smith , Jamie McIntyre , Li Cunxin and Peter J. Daniels had to overcome fabulous odds to succeed. “Rich Dad, Poor Dad” author Robert Kiyosaki was almost 50 before retiring and writing his best-seller.

Walt Disney and Henry Ford were both bankrupt before they finally risked everything, yet again, to make their fortunes in later life.

My desktop on my computer has a picture of a surfer that inspires me: I learned to surf on my 33rd birthday, despite the fact that I cannot swim! The words next to the picture say “It is never too late to be what you might have been”.

Be a hero: never give up. Invest into yourself.


Jeremy Britton is an active financial planner and a lazy investor. His kids think that he’s a hero but they also know the truth: true heroes regularly show their humility.
Inspiring words and investment tips available from www.24hourwealthcoach.com

Jeremy Britton is an Authorised Representative #298825 of Financial Planning Services Australia, ABN 11 010521810, AFSL 225982.

Billionaires agree on investment horizon

Economic guru says that the clock is still ticking

July 30th 2007

These could be scary days for investors, unless they look back for the future.

As the Reserve Bank debates about putting up interest rates yet again, the property market looks perilously high, housing affordability is at all-time lows, and the sharemarket is making plunges into negative territory. What to do?

Recent sharemarket dips in the USA and China may drive panic into Australian investors. Many investors fear that October 2007 may hold a major sharemarket correction, as has happened in 1997 (Japan) and also 1987 (USA & Australia).

Right now, housing price growth appears unsustainable, sharemarkets look choppy, the US dollar is dropping and the Australian dollar is higher than in the 1980’s. Where should investors be placing their money now?

“This is all normal”, says Jeremy Britton, Australian financial planner and author. His latest book, “Who’s Taking Your Money?”, deals with the money movement from USA to China and Australia and the centuries-old Economic Clock. “Although many of these occurrences look alarming, similar things have occurred before, and they will occur again. The trick is to recognise what comes next in the pattern and then be bold enough to take a calculated action.”

Calculated actions have been taken in the past by other wealth creators, such as US investor and world’s third richest man, Warren Buffett. Buffett refused to invest into the booming “tech-stock” economy in the USA in 1999 and 2000. In a rare speech [published FORTUNE magazine (Nov. 22, 1999)], Buffett stated his belief that “returns from stocks would fall dramatically”. When tech stocks tumbled in 2000 and the broad US markets crashed in September 2001, the quiet oracle kept his profits and maintained his reputation as the world’s best investor.

Asian millionaire investor Lin Yuan has been called the “Warren Buffett of China”, after turning 8000 yuan into 1 Billion yuan over the last 20 years of investing. Like Buffett, Lin invests for the long term into good strong companies and stays away when things get too heated. He bought into the stock market after the 1987 crash and Lin invested in real estate only during the massive growth years between 2001 and 2005.

“Mr Lin sounds like a clock-work investor,” says Britton, who advised clients to purchase property in 1999, seven years after the famous 19% mortgage interest rates stalled the 80’s property market climb and a year before the big property boom of the noughties. “Lin was in the right place at the right time and then moved to the next position when things changed.”

Investors who held property from 1992-1999 could have made returns in line with the CPI, whereas investors who held property from 1999-2005 could have doubled their money. Investors who held Australian shares from 2005 to now may be looking at returns of several hundred percent and despite market fluctuations, many believe that the sharemarket ride still has a way to go.

Buffett is still buying stocks, Lin is investing into a Chinese market that has already risen 300% and Britton is still looking at Australian shares. “It’s funny -- when my advice made investors 300%, people accused me of having a crystal ball to see the future. In reality, all I had was an old tool to look at the past.”

www.24hourwealthcoach.com