First Steps - Client Testimonials

Unsolicited Feedback From An Investor In The USA

We recently received this “Unsolicited Feedback From An Investor In The USA”; so I thought I would share it with you and give you the links to a couple of our previously written articles supporting the importance of capital growth over cash flow.

Hi Nick and everybody at MRD,

I just found your site and is very interesting. I been an investor for over 40 years and still learning especially from sites like this one. You have a great deal of good logical information. I live in the USA and been doing mostly what you been saying. Property values are down right now but the cash flow keeps on coming in:) I retired at 42 now 63 thanks to my investments, just wish I would of paid more attention to capital growth instead of cash flow. Going to look at focusing on strong growth area’s as you suggested, makes a lot of sense. If I lived in your area, you would become my new best friend.

Jim P.
P.S. keep up the good work.

Worth Reading…

  • “Capital Growth Is King” >>>here
  • “The Long Term Impact Of Negative Vs Positive Geared Property” >>>here

mrd Search Engine

The search engine on our web site is powered by Google. Just type in any topic you like (E.G. Valuations, Capital Growth, Negative Gearing, etc) and watch how quickly it will find relevant articles for you to research from. For those wanting to learn how to safely and responsibly utilise productive debt to leverage into well researched residential real estate – in areas of limited supply – where demand is growing – for the purpose of creating sustainable long-term wealth… the mrd web site is for you! Packed with so much quality educational information (Videos & Webinars as well as hundreds & hundreds of written articles)…you will never find the time to get through all of it!

Happy Investing,

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

What Have Others Said About The PROP?

Personal Results & Options Plan

Using our own in-house proprietary software, mrd offers you a complimentary, no obligation “Personal Results & Options Plan” (PROP).

The PROP allows you to take charge of your destiny… and literally build your very own personalised financial wealth (or retirement) plan; in three easy steps.

Participating in a PROP is so convenient… it’s done over the internet… meaning you don’t have to leave home!

What Have Others Said About The PROP?

Spending one hour to do the PROP was 100% beneficial, and we now understand what actions we need to take to achieve our retirement goals.

Jenny and Mike T – SA

Initially we had hoped for a house or two to buy and sell to make a bit more money than what we could get from our jobs. Now we are hoping to own 4-5 properties, retire early and be financially secure for life. After doing the PROP we now have goals and plans and know what we want.

Lyndall G – WA

[The PROP] is totally tailored to my situation with the capacity to see outcomes based on many variables… it has provided proof of income potential and identified all components applicable… I’ve not seen this capability with shares or Super. PROP provided a snapshot that I could not have mapped otherwise… !” I have known Nick and mrd for several years and at all times their service, advice and direction has been exactly what they said it would be.

Mike C – WA

The PROP is very versatile and allows you to change the inputs to see the different outcomes of different situations. It showed us what our future finances will look like in five to ten years time.

Peter W – QLD

The PROP was very easy to understand and was explained step by step. I would rate the PROP a 10/10, as I now have a definite target rather than a foggy dream. I would absolutely recommend mrd to others…

Shelley H – WA

I rate the benefit of [the PROP] as an 8 or 9 out of 10… We now have a clear understanding of the many options available to us and are focussed on retiring in 7 years.

William C – VIC

If I were to rate the PROP out of ten, I would honestly give it a 15 ½. The ROYE was fantastic and its detailed report enhanced my confidence to grow an investment portfolio. It was absolutely worth the 60 minutes, and I have already recommended mrd to my friends.

Tracy S – WA

The PROP enabled us to explore different scenarios and gave us detailed information, encouraging us to continue working towards our goals more aggressively. We would rate the PROP a nine out of ten and would definitely recommend mrd and the PROP to others.

Wayne & Jen N – WA

Happy Investing,

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

IMPORTANT: Un-Edited PROP Feedback

Below are the unedited answers to a series of questions posed to ‘Claire D’ of the ACT, a valued client who took up our complimentary and no obligation offer to participate in an mrd “Personal Results & Option Plan” (PROP).

Q: Why did you decide to use the services offered by mrd?

I found the online articles so easy to read and understand! They are written in a language and style that was friendly, open and not condescending or technical, like so many other investment sites are. It’s clear that Nick and the team are genuinely interested in helping everyday people understand property, and want to assist them in achieving their own goals at their own pace without being force-fed ‘investment options’. It’s such a relief not to feel pressured, but rather having someone at the end of the phone or an email away that is ready to help when you need, in your own time, when you’re ready!

Q: How, specifically, did mrd change the way you thought about your financial future?

Catherine helped me to understand how different properties would add to my cash flow, and the different effects any number of properties would have on my available equity in retirement. She even showed me how to ‘retire’ at 45!! Talking with Catherine made me feel much more relaxed and positive about my financial future.

Q: How would you rate the PROP out of ten, based on the benefit gained through doing it?

9/10!! – It gave me confidence and information I can now use to build my portfolio, knowing that I can come back and adjust the numbers and seek further advice at any time.

Q: What did you like most about the PROP and the services offered by mrd?

How interactive it was! I’m in Canberra but I could still converse with Catherine as if we were in the same room. And being able to remote into her screen to see how adjusting the figures changes balances, in real time, is pretty cool!

Q: How has the PROP helped you in setting a goal for your retirement?

Before ‘meeting’ with Catherine I had an idea of what I wanted to achieve but no idea how to go about getting there. Now I have a clear path and a better knowledge and understanding of how to execute my plans now.

Q: Do you believe that the 90 minutes spent doing the PROP with the property mentor was time well spent?

Definitely!

Q: Would you recommend mrd to other people interested in making a plan for their financial future?

YES!

Q: What would you say to a friend who was considering using mrd to help them with their financial goals?

Do it now! The sooner you sort your goals out and can see the best way of achieving them the sooner you will be on the right path!

What Are Others Are Saying About mrd

For eight years we have worked much harder in our pursuit to help clients than in our pursuit to gather testimonies.

We recently started to ask some clients for feedback and wanted to share the following with you.

I watched Nicks DVD and it he seemed very genuine. I like the idea of ‘set and forget’ and how you could invest in property and not have it impact on the way you live. The free information provided by my personal mentor was great. mrd gave me very clear numbers to help me understand the potential I have to meet my financial goals. My property mentor Catherine was a very nice lady, easy to talk to and very efficient with how she helped me. The experience was great! Julie Y. (Bull Creek, WA)

We already had a good understanding of what property could do for our future, and mrd helped us to confirm this and see it more graphically. The PROP is very versatile and allows you to change the input to see the different outcomes of different situations. It showed us what our future finances will look like in five to ten years time. Mrd’s services are very valuable to us because we trust their understanding and helpfulness, their sincerity and the ability of the staff. Catherine’s determination to help us understand gave us confidence and gave us a picture of how we can change our future. The mrd approach is as good as it gets. Peter W (Qld)

We initially began speaking with mrd after coming across Nick’s free DVD. The information offered, motivated us to submit a borrowing capacity assessment, through which we surprisingly discovered we were able to borrow much more money that we initially thought. Throughout the PROP, all of our questions were answered clearly and in a way that was understandable. It clearly helped us in setting a goal for our retirement that was achievable, and we are looking forward to putting that goal into action using the knowledge gained through mrd. We would rate the PROP as a nine out of ten, based on the benefit we personally gained from it. We would definitely recommend mrd to anyone interested in making a plan for their financial future. We would tell them to investigate the information, take the time to listen and seriously look at the projections provided by mrd! Gavin & Alisa W, (Tas)

We came into contact with mrd as we were looking for someone who was honest and had our best interests at heart, and we believe mrd represented that. Our property mentors, Tom and Jan, made clear to us using simple examples and easy to understand demonstrations, how we were able to achieve our financial goals. Tom and Jan provided the service of a Personalised Retirement Option Plan (PROP) that gave us the tools and information we needed to make an informed decision about the property we intend to purchase. Spending one hour to do the PROP was 100% beneficial, and we now understand what actions we need to take to achieve our retirement goals. We would recommend mrd to anyone interested in making a plan for their financial future, and encourage our friends to contact Tom and Jan as we rate our experience with mrd a ten out of ten! Jenny & Mike T (SA)

We were attracted to mrd because of the vast amount of education that was offered helping us to understand the whole process of buying an investment property and the simple easy but smart way we can plan for our future. Having all the information from financial to ROYE to greatly researched investment properties all on the mrd website, made it easy because we only had to go to one place for everything we needed instead of five different companies. mrd gave us all the information that we were looking for and couldn’t find.

mrd dramatically changed the way we thought about our financial future. Initially we had hoped for a house or two to buy and sell to make a bit more money than what we could get from our jobs. Now we are hoping to own 4-5 properties, retire early and be financially secure for life. We didn’t know how to plan for our future and without a plan, you cannot achieve anything. After doing the PROP we now have goals and plans and know what we want.. The prop is great because it is personalized and you can go at your own pace to make sure you take it all in and ask as many questions as you need. Also being able to do it from the comfort of our own home was really good for us. We have since introduced our parents to mrd and as they don’t like being pressured and need a lot of time to think things over, they also found the online services to be a highlight. For anyone considering using mrd to help them with their financial goals, we would tell them ‘Do it! It’s totally worth it!’ We now have an educated understanding and confidence in our future. Lyndall G. (Meekatharra, WA)

My wife and I decided to take up Doug’s offer of an mrd personalised retirement options plan. I was open minded and didn’t know if we would be pleasantly surprised or disappointed by the exercise; I guess I had no real expectation. I rate the benefit of the 90 minutes spent with Doug in this private web meeting as an 8 or 9 out of 10. It was great that we didn’t have to leave home and everything was there on the screen before us. We now have a clear understanding of the many options available to us and are focussed on retiring in 7 years. Thanks for taking the time to explain things for us Doug it was certainly time well spent. I recommend anyone unsure of how or when they will be able to retire to do what we did and speak with mrd. Their services are complimentary and not pushy in any way at all so people have everything to gain and nothing to lose. I look forward to receiving and going over the reports that you kindly offered to send us. Thanks again Doug. William C. (Vic)

I initially contacted mrd as they had the knowledge I was seeking. mrd confirmed for me, that building a property portfolio to gain financial independence is the right thing to do. If I were to rate the PROP out of ten, I would honestly give it a 15 ½ . The ROYE was fantastic and its detailed report enhanced my confidence to grow an investment portfolio. It was absolutely worth the 60 minutes, and I have already recommended mrd to my friends. To anyone who is considering using mrd to help them with their financial goals, I say “Go for it!” Tracy S. (Ferndale, WA)

Take Action!

People are hungry to succeed. They just (understandably) get nervous of making mistakes.

I can’t promise what mrd may or may not be able to do to help you; everyone’s situation is different.

I can promise, however:

  • That you can learn from our experiences with the assurance that we will never interpret your desire to learn as a licence to sell you something!
  • That we can assess your current position and show you what action would be necessary to achieve your desired goals (based on your market assumptions).
  • That we can confirm you have what we believe to be the best existing finance structure; or if not, suggest alternatives.
  • That doing something (correctly, of course) will leave you better off than doing nothing.
  • That if you complete our online Borrowing Capacity Assessment (BCA) form we can start the process of assessing what options may or may not be possible for you at this time; and we’ll be ‘fair dinkum’.
  • That anything we do for you will be done without cost or obligation! NB: Our complimentary services in this area are more detailed (and cautious) than some provided by other organisations at a cost of anywhere between $3,000 and $5,000.

From our experience so many existing investors could be enjoying better outcomes; they are just not set up the right way. While poor structure or lack of understanding can usually be remedied; it’s smarter to do things the right way from the outset.

I encourage you to explore your possibilities with us. Who knows, it may result in a lot of options and choices for you down the track that would otherwise never have been possible; that’s my story when it comes to property anyway.

Yes Please!

  • I would like mrd to look at my borrowing capacity to see if I can get started as a property investor >>>here
  • I would like help to free up cash flow that my properties are currently taking from my family budget >>>here
  • I own property and I thought I would have to sell; what are my alternatives >>>here
  • I have a question >>>here

Happy Investing,

Nick Lockhart
mrd Customer Care Program… because investing is personal
slipstream of population growth

Personalised Results & Options Plan

Hi Nick & Team,

We were very fortunate over the weekend to have Doug come around to our place to discuss our property portfolio and look at the ROYE software. The timing could not have been better as we have been struggling a little lately with the question “is the sacrifice for property investing worth it?’ and “Should we sell a property?”. Doug spent around 2 hours with us and was very generous with his time. He worked through our portfolio details and gave us detailed ROYE analysis as well as discussing general property investing principles, traps in timing and the need for patience.

If Doug represents the willingness of the MRD to provide property education as well as property investing then I highly recommend this organisation to any investors or potential investors.

Kind Regards
Shane & Alecia
Gold Coast

We thank Shane & Alecia for volunteering their feedback. If you would like us to assist you to build your very own “Personalised Results Options Plan” just let us know. Click here.

Webinar – Danny & Ann

Hello Nick, Danny and I listened to your Webinar last Wednesday night and it was great, very informative.  We didn’t fill out the form because we have already started the process and have spoken to Martin Bell and hopefully we will be on the right road soon.  Keep up the great work.

Danny and Ann

Darren Baker-West – Accountant – Melbourne, Victoria

From my first encounter with Nick and mrd, I felt confident and comfortable with his service. Nick obviously had previous experience and provided me with thorough explanations. I would say the greatest benefit of property investment is greater financial security. I purchased two properties with Nick’s help and now have a greater awareness of the property market.

Both properties have experienced substantial increase in equity and tax effectiveness:

  • Property one $217,000 in April 2003 now valued at $340,000
  • Property two $250,500 in November 2004 now valued at $325,000

I have been recommending mrd to my clients for over four years now; and they agree that the knowledge given during the information sessions and the willingness to discuss any issues is A1. I believe mrd is on the front foot with property activity and their clients have the results to prove it.

Penny – Melbourne, Vic

I cannot thank you enough for the investment results you have helped me to achieve. My Southport property has increased in value by over $80,000 in two years. My Palm Beach property is now worth over $62,000 more than I paid for it just 15 months ago. I would also like to thank you for your assistance through the property settlements. I found you to be great to deal with, easy going and cooperative.  Due to your honesty, integrity, friendship and most of all results, I will recommend you to a lot of people.

Penny W.

Dhara – Webinar

Thank you so much for the webinar on Wednesday night. Peter and I were relieved to hear such a sensible and well put together collection of information on the current market. It is hard to hold your nerve in times like this, and we found your presentation helped us think about our investment strategy from a clearer perspective.

Dhara.

Feedback From the First Two mrd Web Seminars

  1. It is very refreshing to hear some opinions (based upon facts) about Australia’s and indeed the world’s economic position with regard to property investing. All the facts for FREE from the comfort of my own armchair!
  2. Nick, tonight’s web seminar was fantastic. You are such a wealth of knowledge. Catch up soon, Brigitte
  3. Hello Nick, Hello Rod
    I would like to thank you once more for the webinar. I had really benefited from it, because it was very informative and interesting and very much in time. Especially I have liked the topic about property and rental prices increasing and decreasing cycle in current financial market conditions.
    For me personally it is very convenient to participate in virtual seminar, because I am very busy at work and unable to visit Nick’s seminars in different Australian cities.
    Thanks for the good job!
    The best wishes
    Ludmila

  1. GREAT presentation by croaky Nick! Rod, thanks for getting me in on time! Chris V
  2. Congratulations on a well presented seminar that demonstrates the importance of well researched facts without the emotion frequently seen in the mass media. We are now keen to buy before everyone else starts buying – the capital gain may as well be mine. Peter
  3. Keep up the good work. Chris V
  4. Hi Rod,
    Really enjoyed the webinar. It’s good to get the optimistic view with the research behind it, obviously no one knows exactly what’s in store but based on what has happened before now will probably go down as a great time to buy. I would love to chat about a plan going forward. Would love a copy of the DVD. Thanks for the follow up.
    Cheers
    Shane
  5. Hi Nick, I have just listened to the webinar. It was great and I learned lots. Marion C
  6. Congratulations Nick and to your team on a great Webcast.
  7. Sorry Nick and Crew I am at a school board meeting tomorrow night however I do read everything you say with interest and I am glad I do. It reassures me that it is not all that bad.
    Regards Mark F
  8. Thanks for the telecast, my understanding increased to the current climate of news and reactions.  It was well thought out and presented as to lead you to how you understand the drivers behind the market and trends of buyers and renters  Looking forward to doing business in the future – Les N
  9. Hi Nick, thank you for the kind invitation, however I am at a company directors’ meeting in Brisbane at that time. I have an optimistic outlook on both the economic fundamentals and property, particularly in QLD. Best wishes for continued success, David
  10. Thanks Nick very good session – ed
  11. Thanks Nick I have got to get ready for work, great presentation, will talk soon – Greg H
  12. Thank you mrd for your time and mentoring. An informative and positive session that has left me in the mood. Dale
  13. Thanks Nick, I really enjoyed the seminar and am motivated to purchase another as per the ROYE I have.  The technology for the presentation was a little frustrating at times when the audio cut out.  Thanks, it was great, Mike H
  14. Fantastic presentation Nick. Well done. – Tony
  15. Should bring me closer to retirement!! Thanks – tony
  16. Thanks Nick always very informative. You have put our minds at ease. Sean & Angela.
  17. Well done Nick. Session was very informative. Harry & Brigitte
  18. Hi Nick – good content – very informative. Greg

Next mrd Web Seminar: >>> Click Here for details