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You may come into a lot of money or lose a great fortune; it doesn’t matter. These situations are temporary because ultimately your financial position will rise or fall to mirror your level of personal development. Do you know people who seem to do everything right; putting in long hours, working their butt off … only to find the success they chase eludes them time and time again? I want to introduce a very powerful truth that most people overlook; to their own peril… “The Law Of Gratitude“.

YOUR World And THE World

Your world is just one part, albeit very important part, of the world; our universe! Never in this lifetime will you get close to comprehending its magnificence or power… nor are you likely to ever fully comprehend the great influence you personally have on this complex four dimensional matrix. The universe and your own life is intrinsically married to and unable to be separated from what we refer to as ‘cause and effect‘.

It’s in your interest, therefore, to understand these workings so as to produce desired outcomes… and cease being a victim of (seemingly uncontrollable) circumstances.

You Are More Powerful Than You Think

Consider the ferocity of the ocean and the power of tides. As the gravitational pull of the moon so decisively drives our seas… so too do your positive and negative thoughts, words and actions dictate the fruit of your life. It’s just plain crazy to think otherwise!

Our universe works by laws that are predictable, repeatable and understandable… and so does your life.

Ignorance:

• Is no excuse! We are surrounded by the opportunity to learn and change and bring about the results we truly desire in life.
• May ensure failure is followed by disappointment and heartache precedes misery.

Property Investing

Investing in residential real estate is just a vehicle… a fantastic one at that; but it’s not enough.

There are many reasons why those who seem to “DO” everything required for success, fail all the same. Today I will touch (ever so briefly) on just one – the law of gratitude.

The Law Of Gratitude

A hundred years ago Wallace Wattles wrote:

“There is a law of gratitude and if you are to get the results you seek, it is absolutely necessary that you should observe this law.”

Newton’s Laws Of Motion

Sir Isaac Newton’s third law of physics says that “Every Action has an Equal and Opposite Reaction“. Put simply, if you push on anything, it pushes back on you.

• When you lean against a wall, the wall pushes back on you as hard as you push on it, and you and the wall stay in place.
• If you throw something, you put more force behind it than just leaning on it, so it pushes back with more force. This is hard to observe, because usually, if you throw something away from you, the friction between you and the floor makes resistance to keep you in place. But if you take away the friction and try again, you will move away from the thing you threw as much as it moves away from you.
• This is how jets work and how rockets are sent into space.

Because every action has an equal and opposite reaction something will go forward if it is pushing matter behind itself.

This Same Law Applies On Mental And Emotional Levels!

• Action and reaction are always equal and in opposite directions
• Everything we put our attention and emotional energy on will eventually show up in our lives
• Neither the universe nor our subconscious mind decipher good from bad
• Enthusiasm and fear are treated exactly the same way
• To apply attention and energy on something is akin to placing an order for that same thing – good or bad

Once you understand this truth it should become apparent why it is so important to put positive energy on what you want… not negative energy (fear and worry) on what you do not want!

Gratitude Is Essential

Gratitude is essential as it produces high-energy positive vibration of thought. It’s powerfully attractive and connects us with the “Source” (whatever or whoever you believe that to be).

Wattles says:

“You cannot exercise much power without gratitude because it is gratitude that keeps you connected with power. The creative power within us makes us into the image of that to which we give our attention. The grateful mind is constantly fixed upon the best; therefore it will receive the best.”

When we have gratitude for and about everything, our energy and focus is targeted on those things we desire. This has a dissipating effect on those destructive forces of fear and doubt.

Goal Setting

For goal setting to be effective, you need to see your goals as being already accomplished. You need to also be grateful for them – NOW!

Gratitude, correctly applied, is a powerful tool ensuring you put strong positive energy on your desires (goals, outcomes or results).

Given its influence on our success, you might assume gratitude was a conscience part of most people’s daily lives; but this is not the case. In fact it’s the violation of this law that causes most people to actually push away the success they seek. Ignorance or otherwise… the damaging outcome is the same.

There is huge benefit in training yourself to be an optimist… and there is so much more to those words “thank you” than perhaps your parents understood when they taught you to utter them as a small child.

Where To From Here

My desire is to see you prosper and be healthy… and I am totally convinced that engaging with an mrd property mentor today will only add value to your current endeavours – whether or not you are in a position to take additional action at this time.

• If you are ready to take a serious look at where you are currently positioned in relation to your financial goals and explore the possible options before you; please complete an online (secure and encrypted) “My Starting Point” form today >>>here
• To request an mrd property mentor speak with you; let us know >>>here

Please don’t hesitate to contact mrd with any other enquiry or question you have; or to request comprehensive information on the astonishing power of gratitude. Remember, our support is both complimentary and without obligation… always!

Happy Investing,

Nick Lockhart
Our Customer Care Program works for you… because investing is personal!

Regional Centres Can Offer Exciting Opportunities For The Astute Investor!

Australia’s capital cities are expected to be flat in price growth over the coming months and with the federal and state governments showing increasing interest in regional and rural areas through policies and expenditure the regional markets offer major opportunities for property investors.

Leading demographer Bernard Salt sees good reason to be optimistic about regional Australia and suggests that the opportunities are stronger in the short to medium term, than those in the metropolitan markets.

“If you look at where we’re generating wealth, it’s not in financial services, which comes out of the cities,” says Mr Salt. “It’s in producing, mining and shipping things out of the country and that is primarily a rural and regional focus.”

Australia mines a considerable proportion of the world’s minerals, including coal, iron ore, copper, gold and silver. Mining and resource towns are therefore obvious opportunities for investment and the strong demand for Australian resources is driving unprecedented levels of investment in the expansion of mining centres.

However, it is imperative that solid research is embarked upon to ensure the viability of these areas should something change. There is a higher level of risk investing into a town based on one industry or just one mine, no matter how big.

A regional area needs to offer a broad-based, strong economy that can provide alternatives to that local economy should a mine close down. Buying into a town with many industries means you are essentially building a risk management tool for yourself.

“Muscle towns” as they are referred to, are the regional towns that are often the backbone of their respective states, with strong ties to resources and industrial production. Newcastle, NSW is a good example.

mrd has researched these area’s and at this time has highlighted two in particular that meet the rigorous research criteria for a centre in regard to its infrastructure development, population, employment growth and the supply and demand for housing.

This week we will look at the Hunter region.

The Hunter Region, NSW

Newcastle, ‘Capital’ of the Hunter region, has always been one of New South Wales’ key cities, but now the region as a whole is positioning itself firmly as one of the muscle regions of the state.

“Its very strong mining base is really driving the Hunter region to a new level,” says Australian Property Monitors chief economist Andrew Wilson.

Newcastle is home to the largest coal exporting port in the world, which is now set to benefit from a billion dollar expansion. The wider Hunter Valley, however, is also a key area for mining and power generation not to mention wineries and tourism.

Terry Ryder believes Newcastle’s potential as an investment location has, to date, largely been missed. “Newcastle is very underrated and undervalued,” he says.

“It’s not far from Sydney, it’s much more affordable than Sydney and it’s got a great lifestyle, great real estate and a great diverse economy.”

A severe dwelling shortage in the region is also making it an attractive option for investors.

“There hasn’t been a lot of construction, so there’s no real new supply coming through to support the growing demand,” says Dr Wilson.

Source: Article from the May 2011 Issue of Smart Property Investment Magazine (www.spionline.com.au)

The NSW government is offering an incentive for new construction through a stamp duty exemption on all property purchases not yet constructed. There is a 25% stamp duty concession on completed housing.

mrd has a variety of house and land packages available in the fast growing regions of Maitland and Cessnock.

For more information and/or to request a complimentary and no obligation cash flow analysis report:

• Let Us Know >>> here or
• Call mrd on (07) 5580 8888

Happy Investing,

Katrina Lockhart
Our Customer Care Program works for you… because investing is personal!

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Only in America…

For those who have served on a jury, this one is something to think about. Just when you think you have heard everything.

Do you like to read a good murder mystery?

Not even “Midsomer Murders” would attempt to capture this mess. This is an unbelievable twist of fate!!!!

At the 1994 annual awards dinner given for Forensic Science, AAFS

President, Dr. Don Harper Mills astounded his audience with the legal complications of a bizarre death. Here is the story:

On March 23, 1994… The medical examiner viewed the body of Ronald Opus , and concluded that he died from a shotgun wound to the head.

Mr. Opus had jumped from the top of a ten-story building intending to commit suicide.

He left a note to that effect indicating his despondency. As he fell past the ninth floor, his life was interrupted by a shotgun blast passing through a window, which killed him instantly.

Neither the shooter nor the deceased was aware that a safety net had been installed just below the eighth floor level to protect some building workers and that Ronald Opus would not have been able to complete his suicide the way he had planned.

The room on the ninth floor, where the shotgun blast emanated, was occupied by an elderly man and his wife. They were arguing vigorously and he was threatening her with a shotgun! The man was so upset that when he pulled the trigger, he completely missed his wife, and the pellets went through the window, striking Mr. Opus.

When one intends to kill subject ‘A’, but kills subject ‘B’ instead, one is guilty of the murder of subject ‘B.’

When confronted with the murder charge, the old man and his wife were both adamant, and both said that they thought the shotgun was not loaded. The old man said it was a long-standing habit to threaten his wife with the unloaded shotgun.. He had no intention to murder her.

Therefore, the killing of Mr. Opus appeared to be an accident, assuming the gun had been accidentally loaded.

The continuing investigation turned up a witness who saw the old couple’s son loading the shotgun about six weeks prior to the fatal accident.. It transpired that the old lady had cut off her son’s financial support, and the son, knowing the propensity of his father to use the shotgun threateningly, loaded the gun with the expectation that his father would shoot his mother. Since the loader of the gun was aware of this, he was guilty of the murder even though he didn’t actually pull the trigger. The case now becomes one of murder on the part of the son for the death of Ronald Opus.

Now comes the exquisite twist…

Read more…

Population growth has been a bit of a political “football” in recent times but the fundamental pressures are beyond question.

Recent figures from the Australian Bureau of Statistics (ABS) reveal that population growth has slowed considerably from its peak level of 2.2 per cent in 2008, down to just 1.6 per cent for the year to September 2010. This is however close to our 25 year average, with 345,000 new residents for the latest year; primarily due to a slow down in the surge of net overseas migration that we witnessed in the past few years.

In a recent article in the Australian Property Investor magazine , Michael Yardney has commented that this lower level of population growth is likely to be short lived.

He is reported as saying – “The bottom line is that we’re an ageing population and in order to sustain our economy and support the millions of retirees and pensioners that will be flooding the health and welfare systems over the coming years, we simply have to ‘populate or perish’. Regardless of how hard our politicians push the political barrow and how much noise they make about slowing down immigration, the fact remains that we have to increase our skilled labour force. Then there’s the rising rate of natural population growth due to our increasing lifespan and birth rate, which is completely outside the government’s control. “

The aging population is an issue common to all countries to a greater or lesser extent. We are told that around 43 per cent of our workforce is made up of Baby Boomers, many of who are going to retire over the next 15 years, but lack sufficient savings or superannuation to see them through their senior years.

As they leave the workforce they’ll stop paying tax, many will go on the pension and most will use our public health care system, placing a massive burden on our economy.

As Michael Yardney says “Despite the rhetoric from both sides of parliament we have to significantly increase our population to replace the workforce, capture skills and grow the economy. The question then becomes: where do we house these essential new residents?”

Adding to the population issue a recent article in the Courier Mail said that thousands of Queenslanders were already on the waiting list for public housing.

The main points in the article were-

1. Almost 30,000 in Queensland were waiting for a roof over their heads.

2. Canberra has declared state-managed public housing “outdated” and financially unsustainable.

3. Federal Housing Minister Mark Arbib has called for private investment into the state housing market, labeling the present system unsustainable.

4. Mr Arbib has forecast a 28 per cent spike in demand for housing in the next decade.

Politicians can debate the population issue as much as they like but the demographic pressures will continue to grow.

Happy investing,

Martin Bell

By PETER KOULIZOS, API Blog, April 11 2011

There’s much debate at the moment in relation to Australia’s future population. We’ve moved from Kevin Rudd’s ‘Big Australia’ to Julia Gillard’s ‘Sustainable Australia’.

Some are saying we should severely limit overseas migration and limit families to a maximum of two children. Others are saying we need many more (skilled) migrants and we should also allow more refugees to settle here. To make the population question a bit clearer, I’ve outlined the case for a bigger Australia against just two criteria: economics and the environment.

Read more >>> Australian Property Investor :: API Property Blog.

Terry Ryder, The Australian, 21.4.2011

The planets are falling into alignment for property investors at present. We not only have a buyers’ market in many key locations, but the scenario for rents and yields looks positive.

Two reports from credible research sources record a revival in rental growth in most of our major cities and predict solid rises throughout the year.

Rising median weekly rents in the March quarter point to sustained increases throughout the year, according to Australian Property Monitors.

“Renters should prepare for significant growth in rental prices throughout 2011, driven by accelerating economic activity, housing shortages and a depressed first-home buyer market,” said APM’s senior economist Andrew Wilson. Units in particular have seen a major shift in demand, with low vacancy rates for inner-city residences in most capital cities intensifying competition.

This shift continues a trend whereby some of the dominant paradigms of real estate are changing.

>>> Lifestyle changes push apartment prices level with houses | The Australian.

THOUSANDS of Queenslanders are languishing on public housing waiting lists while the State Government faces an uphill battle to build hundreds of promised new homes. The summer of disasters has put even more pressure on the system, with hundreds of flood victims joining a queue of almost 30,000 waiting for a roof over their heads.

The rental crisis comes as the State Government fails to meet its building targets after receiving $1.16 billion in Federal Government stimulus cash for public housing.With construction behind by almost 25 per cent, the Gillard Government has warned of a dire resource and labour shortage following the floods, which could mean Queensland never reaches the program’s building quotas. Canberra has declared state-managed public housing “outdated” and financially unsustainable.

State Housing Minister Karen Struthers has also flagged a possible overhaul of how the houses are allocated, saying Queensland can’t afford for anyone but the “most needy” to take up the homes. Ms Struthers told The Courier-Mail she was considering a “mixed rent model” of public housing, whereby tenants with potential to earn would be asked to pay more to live in housing in an attempt to encourage them back into the private market. Under the current system, households pay 25 per cent of their income to live in the housing and escape the strife of the private rental market. The wait list of eligible tenants has soared by several thousand people in the past year alone, and 145 flood victims are still waiting to be housed.

Despite this, The Courier-Mail can also reveal 800 public housing residences are sitting vacant some for almost four years and taxpayers are left to fork out for maintenance. Queensland has 198 public housing properties ready to be lived in but sitting vacant some because of a lack of demand for housing in the area of the property. The longest vacant is a property at Birdsville, which has been empty for 1403 days, with a Department of Communities spokesman saying no eligible applications had been received for the home. Another 597 homes are sitting empty because they are considered “untenantable”. One former motel at Mount Isa has been empty for 1279 days and is for sale. A department spokesman said 77 per cent of the untenantable homes were undergoing repairs. The rest of the listed properties were still being assessed for sale or possible demolition.

The Courier-Mail can also reveal there are 491 households earning $80,000 living in public housing even though the Government pledged in 2007 to end the practice. Just four years ago, the housing system was overhauled with then minister Robert Schwarten launching a blitz on families with high incomes taking up the homes. More than 300 tenants were turfed out for being “too rich”, with the changes ending the concept of tenancy for life in an attempt to shake up the wait list. Now, Ms Struthers has defended the current group of high earners, saying they were there because of special circumstances mainly serious disability, or scarce housing in the area. She said each case was individually managed and, of the 491 households earning over the threshold, just 90 of them made that money from the main household income. Federal Housing Minister Mark Arbib has called for private investment into the state housing market, labeling the present system unsustainable. Mr Arbib has forecast a 28 per cent spike in demand for housing in the next decade.

via 30,000 stuck on public housing waiting list as State Government fails to meet building targets | Courier Mail.

Being Easter I’d like to share a simple yet profound message with you; and that is to “Guard Your Heart Above All Else, For It Determines The Course Of Your Life.”¹

We have so much more control over the design of our lives than we perhaps know. Decisions and choices we make today influence our lives tomorrow. In the context of smoking, excessive alcohol consumption and poor diet we know this to be true. Are you aware, however, that your belief system creates expectation… and what you expect is normally what you get – good or bad?

“As a man thinks in his heart, so is he.”² (NB: This is gender neutral.)

I’m a great believer that, by and large, you are not going to get from life what you deserve, but what you expect (or believe).

Being a pessimist is more costly than most of us can afford!

May I please ask that for the next few minutes you drop any religious or spiritual prejudices? Otherwise, the truth of what I’m saying could be missed.

The bible defines FAITH as being “the substance of things hoped for, the evidence of things not seen”.³

Faith is not denying reality or having a misguided and/or delusional belief system. That’s why the words substance and evidence are used. Faith is real and gives one assurance… even when other (so called) evidence appears to say otherwise.

This is universally relevant to us all and its application is no way restricted to merely those with faith in God.

Read more…

No Bull

mrd has secured one of Brisbane’s most prestigious yet moderately priced investment development opportunities in the thriving North Lakes precinct offering incredible value right in the ‘heart of town‘.

NB: These 17 Terrace Homes Include:

• Luxury and ultra modern designer finishes
• 3 Levels
• 4 Bedrooms!!!!
• Ensuite to master bedroom and fourth bedroom
• 200m2 – 220m2 – That’s a WOW
• 3 Bathrooms (including ensuites)
• 2 Living areas!!
• Completion July 2011

These well positioned terrace homes are situated on a prime site within the rapidly growing North Lakes Town Centre precinct and are right alongside Westfield’s North Lakes Shopping Centre; a hospital; medical centres; childcare; schools and colleges; office and commercial spaces; Lake Eden and its beautiful parklands and all just metres from the Bruce Highway.

North Lakes is a ‘master planned’ estate in the northern growth belt of Brisbane, built around the Westfield Shopping Centre, right next to the M1 Bruce Highway south to Brisbane 25mins and 30 mins north to the Sunshine Coast.

The North Lakes Area has been an incredibly popular area with a population growth rate of 6.8%.  Over 10,000 people have moved into the estate since 2003 and it is planned to ultimately accommodate approximately 25,000 residents.

A new rail line worth $1.15 billion is planned for completion in 2016.  It is a 12.6km line from Petrie through North Lakes to Kippa-Ring near the bay that will include six new stations.  This will connect the peninsular to Brisbane by rail.

North Lakes is expecting 13,000+ jobs in the area as retail, commercial and office spaces expand in this much sought after area.

BE ASSURED: These will not last as they are so well priced for such a well positioned quality product. mrd gives them a HUGE TICK of approval! There’s more, keep reading…

Read more…