Seven Gems from a Lead generation webinar I attended

 

Nurture, nurture, nurture your pipeline. 

Give amazing value to them. 

Fill your pipeline with  thousands of people who appreciate all the free information you give.

Once your pipeline is filled, leads will start to be funneled through the “pipe” and something magical will happen…. Sales will increase and your business changes into something significant.

Things to Think about when doing a prezzo or webinar

•      Understand your target market – try get into the minds of them. What do they want? What will interest them?
•      Give the audience what they want. Provide them with a potential solution to their problem. Get them from “pain to pleasure”, from “fear to freedom”
•        Show them your personality. Relate to them. People like to deal with people. Show them why they should like you, position yourself as the expert.
•        Drive them to a simple website or a landing page. DOon’t drive them to a complicated website that will take them hours to read information that is not relevant to them.  The objective is to get them as a lead. 
•        The first contact should be no one threatening and reward them for filling out their details.
•        Powerful Headlines are key followed by 3 – 5 bullet points. Create interest and intrigue…. Entice people to fill in detais to hear more.
•        Always have a call to action –  A form to leave name, email, tel # , address.

Target is on target - a potential USA bargain!

Target is on target to have one of its best holiday season. They are offering matching online prices with their main competitors like Amazon and Best Buy. Shares of Target could be a pre-holiday bargain going into this holiday season with this intensely competitive pricing strategy. Spend the possible capital gains buying holiday gifts

Extract from a newsletter from my mate, Ketan Mehta @tcdg.net

Family fairytale dream home - SOLD

If the three bears lived with Goldilocks and her extended family, they would choose this charming treasure. 

Experience the luxury of easy living in a spacious, idyllic setting, tucked away in the heart of St Ives. (5 minutes from shops, schools, station, parks and nature reserves).

Over six bedrooms, each spacious and sunny. An oversized living room area and dining room area, inviting you to indulge in the luxury of easy living. Magnificent outdoor family entertainment area with large, heated saltwater pool, furnished gardens and tropical style cabana.

This home is the magic ingredient essential for a happily ever after.

http://www.domain.com.au/ore/Public/Gallery/Photo.aspx?adid=2010030754&pic=1&mode=Buy&st=1

2 YEAR FIXED RATES AT 5.29% - time to act!!

With Christmas just around the corner, there is no time like the present to look at restructuring your finances to improve cash flow not only for the festive season but the years ahead.

There have been substantial movements in fixed rates in recent months with some 2 year fixed rates from as low as 5.29% on residential loan facilities and 5.00% for 1 year fixed on commercial loan facilities.  

Give Danny or Sandra a call on 02 9290 2777 to discuss a solution which suits your personal circumstances and get on the road to a better financial future.

Danny and Sandra are committed to providing good quality financial advice to all their clients. 

If you are seeking a faster, short term solution, they can also assist you with a personal loan or motor vehicle finance to suit your short term goals and objectives.

Terms and conditions apply. All applications are subject to credit assessment criteria. Fees and charges may apply.

Do You want to maximise your export grants?

FEDERAL GRANTS ON HOLD

It has recently come to light that the Federal Government has placed a 'temporary pause' on new grants. It has been confirmed that the Commercialisation Australia program and the Clean Technology Investment Fund, among others, have been affected by the pause.

Swan... we are putting a pause on $2b worth of government grants.
We need a surplus!

While the programs are still open for application, no new grants are being written for the duration of the pause which has been described as a 'normal part of the budget process'. At this stage all background work such as preparation of guidelines and the assessment of applications is continuing as normal, but uncertainity remains regarding how long the pause will last and what will happen to the grants programs following the conclusion of the pause.

EXPORT MARKET DEVELOPMENT GRANT

EMDG is the financial initiative of Australian Government aiming to help and aid current and aspiring exporters.

Do you want to maximise your export grants?

Global and domestic economies are facing turbulent times. Europe’s sovereign debt crisis, the struggling US economy, Australian’s two speed economy and wavering business sentiment are just some of the challenges facing business today.

Australian businesses have historically demonstrated their resilience and resourcefulness during tough times. Initiatives such as EMDG are important tools in bolstering the current account and foster strong, sustainable growth.

The Export Market Development Grant:

• Provides a 50% rebate on eligible overseas marketing costs above $10,000 (minimum spend $20,000).

• Acts to encourage Australian exporters to seek out and develop overseas markets. These markets include goods and specified services and industrial property rights which are substantially of Australian origin.

• Has a maximum grant payable of $150,000 per annum for a maximum of 7 years.

We at BSI believe that there is no better time than now for exporters to plan their activities and to establish or increase their overseas market share.

If you wish to know more please contact us and we will be happy to arrange a meeting for an obligation free initial eligibility assessment.

BSI INNOVATION
Suite 1, Level 3
55 Holt Street
Surry Hills NSW 2010
P: 02 9212 5505

Home value increases – fleeting figures or real recovery?

Home value increases – fleeting figures or real recovery?
Posted on 10/09/2012 by Staff Writer of www.maximam.com.au

The market is schizophrenic about the state of the property market.

Some are optimistic while others are not yet convinced.

Housing Industry Association (HIA) chief economist Harley Dale is uncertain there is a recovery in the making.

Referring to recent building approval figures for the month of August, Dr Dale is skeptical that the modest improvement made are indicative of a market revival.

"Without evidence emerging soon of a sustainable recovery in leading indicators such as building approvals the prospect of a third consecutive yearly decline in dwelling commencements, from a starting point of recessionary levels, will come into play," Harley Dale said.

However, last week's (October 2) RP Data‐Rismark September Hedonic Daily Home Value Index Results revealed that Australia's capital cities have experienced a 1.4 per cent increase in dwelling value over September and a two per cent capital gain in quarterly value terms.

The positive results were welcomed by RP Data research director Tim Lawless and Rismark International chief executive officer Ben Skilbeck – which they interpret as a significant indication of market rebound.

"The recovery in the housing market is broad based and not simply attributable to a seasonal spring uptick," said Mr Skillbeck.

"Over the four months from end May to end September actual Australian capital city house values have increased by 3.4 per cent.

"If we adjust this to take into account seasonality, the increase is still a strong 2.9 per cent which represents an annualised pace of 9 per cent per annum."

Mr Lawless added that auction rate figures were up by roughly ten percentage points and that there is considerably less listed property in the capital cities from the same time last year.

NOW COULD BE THE TIME TO CHANGE LENDER!

This is a summary of an article that Paul Clitheroe wrote in the North Shore Times today  - Paul is the chief commentator of Money Magazine

The RBA's official rate is now 3.35% - a 3 year low - have your interest rates on your mortgage reduced?

3 years ago, the average rate was 5.7%, it is now 6.35% (hmmmm) -  with a little bit of shopping around, you may be able to secure a lower rate.

Ratecity - the online comparison site shows a difference between the lowest and highest rate as 1.8%. On a $300,000 loan, this could mean an extra $355 per month (money that I would rather have in my pocket , thank you very much!)

With so much variation, it makes sense to see how your loan shapes up. Bear in mind that refinancing might come with additional costs. These additional costs might offset potential savings.

That's where a Liquidity Broker comes in handy!!

Fill out the attached form, and we will do the numbers and work out whether you have a great deal, or you could do better.

 

‎5 Quick takeaways about the market ahead:

5 Quick takeaways about the market ahead - from John Mcgraths Facebook page

1. Interest rates will fall further. Aussie bonds rates are around 2.5%. This suggest that borrowing may come down under 5.0%. The professional markets rarely get it wrong. Good for FHB, investors & upgraders.

2. The Australian share market is around 35% off its all time highs. The US is now only 5% off & the FTSE around 16% down. So this suggest as the AUD comes down we should see a catch up in the ASX. Good for top end properties.

3. 41% of new mortgages last quarter (AFG) were to private investors. That means people are seeing property as again a blue-chip investment & a reason to re-deploy their cash savings in a better growth place.

4. Auction clearance rates have seemingly settled in around 60%-65%. This is right in the middle of what you would call ‘steady state’. A good sign.

5. Nobody wants to ring the bell but all signs are that we are beyond the worst. Most Australians de-leveraged during the GFC so are in better shape in many ways than beforehand assuming they kept their jobs.

10X is looking for succesful BDM's in Australia and New Zealand

There  is a business opportunity for a strong Business Development Manager to earn a potential of $200k plus plus.

It calls for someone who is:

- a highly skilled sales person (preferably B2B)

- keen to drive results for themselves 

- keen to make a difference to countless business owners

Though you will be operating independently, you'll be part of a great team who will provide them with world-class IP, training and a network of like-minded professionals.

 

We have 60 leading accounting and financial planning firms and their alliance partners, looking for the right professional to cross sell their services to each others clients and prospect databases ... Ie dealing with warm leads! 

 

 

If you are or you know anyone who is

- a self starter

- has at least 2 years experience, with a proven track record

- likes working towards kpi's targets and achieving goals 

and would be interested in finding out more, 

we want to speak to you now - send your CV/profile to me on ikaye@bsi.com.au 

or register your interest on www.10xconsultant.com.au 

What’s a fair deal for cash and expertise?

September 19, 2012 | Posted by Richard in Confessions of a serial entrepreneur |

“I’ve been doing this for four years. I’ve put a huge amount of money, my money, my wife’s money, which is our future, on the line. I can’t make a mistake now. I don’t want to be the founder that ended up with the tiny little minority share of the thing he started, while other people made all the cash.”

These were the clear sentiments Andrew Slorance made to the BBC for its documentary, The Perfect Wheelchair, which aired last week.

He was explaining why he rejected Richard's offer for expertise and investment in return for a 50% interest in his carbon fibre wheelchair invention.

Was he right?

"His wheelchair certainly looks much better than any I’d ever seen." said Richard.  Instead of being all chunky, metallic and industrial looking, it looks like something Batman would use – black, sleek, strong and lightweight. And there is no doubt the invention is his baby.

In a heart-rending story, Andrew fell out of a tree at the age of 14 and lost the use of his legs. For the 24 years that he’s been wheelchair bound he’s wanted to design a better one, and so he did, inspired by Formula 1 racing cars.

Then, four years ago, convinced the design could be commercialised, he left his job as a film editor to pursue it as a business. As a Scot, he was given money by Scottish Enterprise, and by Highland and Island Enterprise, and when that ran out, he remortgaged the family home for £50,000.

The problem was finding a way to reduce the production cost of the wheelchairs. Indications were that it would need to retail at a staggering twenty thousand pounds, more than eight times competitors’ prices.

Andrew went through about six prototype manufacturers, always trying to get the cost lower. Getting his target weight of about 6 kilos was also a big challenge and he struggled to do even better than the normal, non-carbon fibre chairs. He argued with many of the suppliers before moving onto the next, blaming their inability to meet his specifications on them only being interested in doing their day job, no more. They responded that he kept changing the specifications and the design. Interestingly too, he never sought the opinion of any other wheelchair users, and at one point said “it doesn’t matter if I go to a user group and they don’t like it, I’ll go on regardless”.

So when Andrew tried to eventually demo it at a trade fair, it was perhaps no real surprise that a potential customer hesitated about the design, worried she’d fall out. She also shrieked when told the price. The Beeb interviewed Andrew’s family, who talked about the strain, emotionally and financially, on all of them.

So I would say to Andy, the value of expertise, experience and contacts is worth far more than inventors often think. And investor’s cash, like their own cash, represents a lot of hard work and sacrifice.

Sometimes the smaller piece of a successful pie is the best business strategy on the menu.

Sandra Crossland talking about

Our own Sandra Crossland from Liquidity Finance talking about the opportunity for Women in the Workplace as mortgage brokers! "http://liquidityfinance.com.au/about/team.html">http://liquidityfinance.com.au/about/team.html


As seen on Brokernews.com.au
 

October - Educational Webinar Series

Ark Total Wealth are proud to present their SMSF Strategy Series to our subscriber list. I encourage anybody who is interested in wealth creation in Australia to attend this series. 

Self managed super funds (SMSF's) are now one of the largest and fastest growing segments of the super industry having an annualised growth rate of 20%. Education amongst members as to what they can do with their SMSF's and how they can most effectively use them is patchy however, and many are simply not unlocking their SMSF's full potential. The Ark SMSF Strategy series has been created to educate and empower SMSF directors/trustees to get the most out of their retirement funds, increase their wealth and manage their tax. Webinars will be held on the following topics: Personal Insurance inside your SMSF Direct Equities & Managed Funds within an SMSF Transition to Retirement Strategies within an SMSF How to buy property within a SMSF If you can't attend a webinar, or you are not sure how to log on, please 'click for an advisor' on the right and we can provide you with the steps on how to register or a brief run down of the webinar content. At the webinars we will cover off the following; Personal Insurance - The different insurances that can be held within an SMSF and the tax consequences. Direct Equities and Managed Funds - What your investment options are within your fund and how to get access to these investments. Transition to Retirement Strategies - A detailed look at the options when approaching retirement and the benefits of utilising this strategy Property in Super - How to purchase an investment property within your super with borrowing At the conclusion of the webinar, we are happy to provide fact sheets and a short video on each topic, however we will not be sending out the specific  slides. Regards, The ARK Total Wealth Team Please click the links below to register for the webinars: SMSF and Personal Insurance Tues 16th Oct @ 5:30pm Investing within an SMSF Wed 17th Oct @ 5:30pm Retirement Strategies Tues 23rd Oct @ 5:30pm Buying Property in an SMSF Wed 24th Oct @ 5:30pm Each webinar will be 30mins in duration

www.arktotalwealth.com.au | info@arktotalwealth.com.au

Steve Blank: How to launch a succesful startup!

The professor who popularized the "lean" movement describes his Lean Launchpad course.

Steve Blank is a Silicon Valley-based retired serial entrepreneur, founding and/or part of 8 startup companies in California’s Silicon Valley. A prolific educator, thought leader and writer on Customer Development for Startups, Blank teaches, refines, writes and blogs on “Customer Development,” a rigorous methodology he developed to bring the “scientific method” to the typically chaotic, seemingly disorganized startup process.

"The Startup Owner’s Manual" was Blank's second book and is a step-by-step guide to building a successful startup, offering practical advice for any startup founder, entrepreneur, investor or educator.

His Customer Development methodology launched the lean startup movement. It is rooted on startups "getting out of the building," talking to customers and using that feedback to develop and refine their product.

I think I saw my guru Gerry Engel in the video! 

Neil Blumenthal & Jenn Hyman: Why Transparency & Openness Wins

What separates a remarkable customer experience from a so-so experience? Behance CEO Scott Belsky talks with Jenn Hyman (Rent the Runway) and Neil Blumenthal (Warby Parker) about how to deliver killer customer service. It turns out that making mistakes (and admitting them) is okay, being open is better than always staying on message, and listening to customers and adapting isn't a bad idea.

About Jennifer Hyman

Jennifer Hyman has been the Chief Executive Officer of Rent the Runway since the company's inception in November 2009. Jennifer co-founded Rent the Runway with her Harvard Business School classmate Jennifer Fleiss. After receiving approximately $31 million in venture capital, they quickly built the company to include over 2 million members, 60 employees and 150 designer brands. Rent the Runway is a members-only online fashion community that builds customer loyalty for designer brands by enabling women to rent dresses and accessories for all the special occasions in their lives.

Rent the Runway

@Jenn_RTR

About Neil Blumenthal

Neil Blumenthal loves helping people see. Determined to radically transform the eyewear industry, Neil and three friends launched Warby Parker in February of 2010. Warby Parker designs and sells vintage-inspired frames and prescription lenses for $95 whereas comparable quality glasses cost $500. For every pair sold, a pair is given to someone in need. To date, Warby Parker has distributed over 100,000 pairs to those in need around the world.

Warby Parker

@neilblumentha

Lower volatility, higher returns in direct property: report

A comprehensive report commissioned by the Property Fund Association of Australia (PFA) and released today compares the  performance of unlisted and direct property versus listed property over a range of periods in the past 25 years.

With a primary focus on income and total returns, the research looked at the volatility of the unlisted sector and its correlation with other asset classes, including equities and listed property.

PFA president Robery Olde says that since the GFC (global financial crisis), direct property has demonstrated the kind of resilience and positive total returns that other asset classes simply haven’t.”

Trends indicate investors are catching on. There has been a “significant increase” in direct property compared to the listed sector in the past 12 months, he says.

In Australia, there’s currently more than $55 billion in direct property assets under management.

The Difference Between Goals, Strategies and Action Plans

I have often been asked what the difference between goals, strategies and action plans. On the face of it, they seem similar, however they are very different, but interrelated.

Ryll Burgin Doyle - 10X founder - talking this week  about goals , strategies and tactics

An awesome group

 

10X Strategies to Grow your Business

What are your Goals?

An example of some business goals... 

• Financial goals – “To achieve revenue of $XX” or “Profit of $Y”.

• Staffing goals – “To have XX number of staff” or “To have a full time staff member in the position of XYZ”.

• Social Media Goals - To have 10,000 people following your blog within 2 years

• Market Share – “To have 70% market share of the SME market in Austraia within 5 years”.

There are many different types of goals you can set.  Goals should be SMART (specific, measurable, action orientated, realistic and within a specific timeframe)

What is your Strategy?

The next step is to look at strategy.  Stuff or things you can do to achieve your goals.
At 10X, we have a growth chart with 660 strategies you can implement for each section of your business, helping you improve your sales, profit and cash flow. 

• Improve your Sales

• Strategies to Increase your retention rate

• Strategies to Increase your leads

• Strategies to increase your conversions

• Strategies to Increase your Prices

• Strategies to Increase the frequency for your customers to buy

• Improve your Cash Flow

• Strateges to reduce your expenses

• Strategies to reduce cost of sales

• Strategies to collect debtors faster

• Strategies to improve your inventory turnover

You may have 20 strategies in place to achieve your one goal.

What is your Action Plan - What are your Tactics – how you’ll do it

Tactics are the last piece of the puzzle. For every strategy, there will be a number of tactics or actions. 

These are the individual steps you’ll take to execute the strategy and achieve your goals.
Tactics could be based around activity i.e. every week contact X number of customers.  

They’re the steps you need to take to achieve a goal.

When deciding on your tactics, include every part of the process - every step you can think of how long it will take to complete and who is responsible for completing it.

Goals, Strategy and Tactics – an example

Let’s assume one of your goals is to increase your clients  in the fashion industry who are interested in Exporting their products and services by 36 clients in a year (3 per month) .

One strategy you may adopt to do this is to define a specific offering.  In this example, your strategy is to create an e-book on export grants  that you can give away  to increase leads.

Let’s think through the actions/ tactics (or steps) you need to do to write the e-book.  Your tactics may include:

• Decide on a topic for the book (Export Grants for the Fashion Industry)

• See who your competition is and analyze their products

• Decide on the relevant content to include

• Find sources for the content

• Write a chapter a week (or outsource this)

• Find a designer to help with the design of the book

• Decide how you’ll distribute the book

• Complete the book three months from today on 1 January 2013

• Have the book distributed by 10 January 2013

• Develop a marketing plan to promote the book

Tactics are usually inter-related and you’ll find yourself working on a couple of active tasks at any one time.  In the example above, you may be writing chapters for your book, but you’ll also be working on a plan to market the book once it’s complete.

Next Step 

Take some time out to think about your goals, and work on at least one strategy and set of actions to achieve them.
If you are interested in a copy of the 10X strategies, leave a comment below to let me know how you go.
Your goals are defined objectives - which clearly identifies where you want to be within a specific timeframe.

Swans - there can be only One

Swans win in an amazing final in front of 99k+ people at the MCG 

There an be only 1!!!!!!!!!!!!

Will Buddy curl up into a ball and cry like a baby on Saturday when Chokethorn lose?  

The face of our next keyboard

R u part of the social media revolution

Trust

From JM Blog
Steve Jobs - You can't connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something - your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life. Steve Jobs

 Deborah Carey TRUST is expensive. Protect your investment at all times. TRUST is being secure in your own value and having enough "cushion" that protects you when it comes down to the account of trusting someone else. Be honorable. Be valuable. Be TRUST today.

 Nuel C Ikeakanam · Trust is the concrete that holds relationships at all levels. The more people trust you, the more they allow you into their world. The more a leader is trusted the easier it is to lead his team. Once broken, almost impossible to rebuild.

 Nancy Delfin Amores · TRUST speeds up everything! (by JCM) TRUST is a gentleman's agreement, it is without paper and pen.It is your word and my word, It is your promise and mine.it is your commitment and mine.So, TRUST is believing someone, that what you have agreed upon, YOU WILL CARRY THROUGH BECAUSE YOU BOTH has put in your integrity, your name without the need to go in contract. In any relationships, parents and children, husband and wife, friend to a friend, or between two lovers, TRUST is the most important factor...basically if you do not trust a person, you can not give or show love at all, if you can not trust your child that he can now cross a busy street, you can not leave him and will continue to help him cross..so it limits you or hastens you to do other things..meaning you are slowed down because you do not trust.For friends, you will forever keep or with hold who you are if you do not trust. So for me, TRUST is KNOWING A PERSON WELL FIRST AND FOREMOST, learn of his ways, his character, his capacity, his intention, and maybe his plans...by that you can SLOWLY and CAREFULLY establish your TRUST.i SAID "CAREFULLY, because trust can only be given if you are already seeing that HE IS WORTHY OF YOUR TRUST...and when trust has been established...Faith follows..

Dr Richard Norris Trust is talked about but has generally gone on walk about! As leaders, be that at work, rest and play, trust starts with you. If you cannot trust others then do not be surprised that those who follow do so slowly, poorly or not at all. Note though that you must trust yourself. The level to which you can trust yourself will impact how much you trust others. A healthy trust of self will ensure you trust others healthily. My wife, Nancy, has always said that I tend to trust people too much. I have paid the price for that on several occasions (it has cost me time, energy, money and relationships). As such a caveat on trust surely must be to give trust initially in proportionately to what is being asked of those you are leading. In due time as you increase your trust in others they will increase their trust in you and your leadership will flourish. Trust is a test. My first day as an officer in the army, the experienced soliders tested me. The first game a new quarterback comes off the bench his team will be establishing their level of trust in him. Trust is learned and earned.

 Nilvia Felipe ·Without trust it is nearly impossible to accomplish anything greater than ourselves. We need a team of people that believe in us enough to follow us and trust us enough to help us manifest our vision. Without trust all else fails... love, hope, loyalty, character, etc... Trust is a building block from which all else can then grow from. Gambrill Communications "A man who trusts nobody is apt to be the kind of man nobody trusts." -

Harold MacMillan. Oftentimes in order to establish trust, the leader must go first and set the example. When you begin to trust the people you lead, they will begin to trust you.

How to save between $30,000 and $300,000 without major changes to your lifestyle!

I have been playing around with Liquidity’s mortgage and financial calculators (free online – see 

As I have said before, as people earn more, they spend more.

This is corroborated by an Australian Securities and Investments Commission (ASIC) study that indicates that one in seven Australian families spend more than they earn and  only 54 per cent of Australian householders know exactly what their money is spent on.

ASIC estimates that Australians spend $69,000 per household annually - $1290 a week - on living costs. (based on an article by Mark Bouris in the SMH today)

Paying extra amounts towards our mortgage can save hundreds of thousands of dollars!!

An extra monthly repayment of just $50 a month on  a $400,000, 30-year mortgage paying the average variable rate of 6 per cent could take 1 year and 7 months and $30,000 off your mortgage!

Where can I find savings?

Costs during the working Week

• ·         I generally spend $12 a day on a takeaway lunch and drink. By bringing  a packed lunch from home twice a week (from the previous nights dinner) , I save $24, or $96 a month -
• ·         Cutting just one cup of takeaway coffee at $3.20 a day equates to $69 in savings a month.

Saving = $165 per month

• ·         Taking the train ($130 per month) vs taking my car (garage $500, tolls $80, petrol and maintenance $200)

Saving  =  $650 per month (I would save more if I sold my car – but let’s not get carried away!!)

An extra $650 per month towards your mortgage will save you $210,950.73 abd 12 years and 1 month off your mortgage

Home Cost Savings

• ·         phone costs and internet plan -  We have just signed up to the Telstra Bundle – Saving $150 per month
• ·         Foxtel – we have 2 foxtel lines in 2 rooms, we only really need 1 – Saving $50 per month
• ·         reduce the number of times we eat out from, say, twice to once a week and we could save $300 a month;
• ·         time our petrol refills to the cheapest days,
• ·         shop for groceries at lower-cost supermarket and look for specials

Saving – say  $500 per month

•  Reviewing our insurance costs and funding our life insurance from our Superannuation saved $1,000 per month from our operating cash flow

Saving $1,000 per month

If I achieve this each month, we will go for an amazing meal for 2 at a cost of $165!

Cumulative Monthly Savings – say  $2130 per month.

Investing this in a $400,000  mortgage  will save  $334,210.66 in interest payments and 20 years off our mortgage!

A key to wealth creation is understanding what you are spending and preparing a budget and a financial plan. 

Its about cutting small costs that will probably not make a difference to our lifestyle  so we can save thousands of dollars off our mortgage.

Have a look at liquidity’s mortgage and financial calculators to show you how much you can save by paying extra off your mortgage!!

If you are interested in getting a quote on your mortgage - click here