TELS 008 – Make Your Mortgage Work For You

Most people think mortgage is a soul sucking monster that keeps them handcuffed and not be able to enjoy their life the way they want.

In this episode, we are going to talk about 3 hacks you could implement to turn the soul sucking monster into your money making machine. 

  • Hack #1 – Switch from monthly repayment to fortnightly repayment
  • Hack #2 – Set up an offset account and a credit card
  • Hack #3 – The age old question whether or not you should use I/O or P&I repayment for your mortgage.

Now, just a reminder that you could ask me any questions that are related to building wealth via property, whether it’s a question for mortgage, market, mindset or even fitness. Well, a healthy body is the fundation to everything.. so i consider that a big part of my life…

So if you have any questions. just head over to www.elmerliu.com.au/askelmer and fill out the short form.

I will answer your questions either in this show or respond directly..

TELS 007 – Shares or Property

Alright, Ladies and gentlemen, boys and girls, welcome to another episode of the Elmer Liu Show.

In this episode, we are going to discuss the question of whether you should invest in shares or property. I personally have experiences investing in both and benefited from both, I will share my thoughts on this topic.

There are pros and cons of investing in property and shares. Which one works for you depends on your situation, your risk appetite, and your overall goal.

They are both great tools to build wealth if used properly.

So we are going to look at the following attributes of investing in shares and property

  1. Returns (Growth and Yield)
  2. Ability to gear
  3. Tax effectiveness
  4. Affordability
  5. Liquidity
  6. And Personal Control