With typical retail investors, questions can be more exciting (VTOL jets!) I think were pretty much done with the growth, Idonthave a crystal ball but theres a very large market out there at the moment in many other capital cities around Australia at a much different stage of their property cycle so plenty of opportunities out there for people willing to do their research instead of get it from the news. So my real job is to help people clarify what theyre trying to achieve then kind of give them the resources and empower them to actually take some action. Thanks for the podcast! be able to do? Steve Ryan, a 31 year old property investor who at age 29 became the 2015 Your Investment Property Magazine Investor of the year. Aussie Firebug: Sure, alright one of the I want to move into for those listening Steve is also the director of Interstellar Finance who are actually a finalist in 2016 Australian Mortgage awards. Ah, I guess we will just begin ah, with your story um, and how you managed to be in the position that you are in today, starting from the beginning. Date of birth: May 30, 1980. Patterson has also written many stand-alone books. Contributor for Seeking Alpha since 2014 with a focus on tech. Ah, Ive always been inquisitive um, and always been willing to challenge conventions ah so I ah, I think the earliest I can recall that happening is ah, when I was being brought along to Sunday schools a very young man, ah, I had a lot of questions to ask that I, wasnt getting sufficient answers to um, through out of to high school I had a lot of ah, head butt moments with teachers as well not out of ah, an interest in causing trouble, but just to to try to understand things better and question everything, so Ive always been curious um, am very learning driven big passion for science as well so, um most people would describe me ah you know me quite well as a complete [00.02.39] but then I would follow it up saying what a pretty nice guy, so um very unconventional in just about every aspect of ah, my life I would say. So would it be fair to say, so youre working a job you didnt particularly like, would it be fair to say you were striving for a financial independence to escape that job? Aussie Firebug: So you do strategy as well as outsourcing and finance? She has now written a total of 209 novels. I believe Tesla fans and investors have leveraged social media platforms to convince large numbers to believe Tesla will become the most valuable company in the world. Our Mission; Letter from the Owner; Stargazer Day Camp; YELP Reviews; Letter from the Senator; Letter from the Principal PS 207; Letter from the Principal PS 240; Giving Back; Register. None of my clients, for example, are buying those types of things but definitely I caution to be yielded there. This content is not fact checked reviewed or regulated, and some creators are paid handsomely (estimated well over six figures) for their content. Ive got 3 properties but Im up to about 70k in index funds now so you know if either one goes up Im really happy. Apartments,Iwould not be touching off-the-plan apartments with a four million kilometer pole in the Gold Coast or Brisbane or Melbourne, perhaps even Sydney, theres quite a large amount of supply, theres quite a large number approvals still yet to commence construction and youre asking for trouble with those types of investments but a savvy investor wouldnt really be buying those anyway because you know, a brand new apartment, youre paying the developers profit margin, theyre marketing fees, their advertising fees, their agent commissions. So Tesla today has themost powerful self-driving chip in the world, as well as a gigantic data lead, making it very likely that they will be the first company to solve level 5 autonomy. Any much further out than a few years,Ireallycant seethat far but I do feel that were not likely to return to the rates that out parents perhaps experienced in you know, the early nineties or in a different era, a low inflation era. I actually did write an article about fixed versus variable, just a shameless plug and for that article, Ill put that in the show notes but yeah, I am Im on the variable camp as well. Are you trying to reach Steven? Youll talk yourself out of things, youll procrastinate, and youll let fear prevent you from acting. If you dont have a strong why youre not going to have the drive and willingness to do what it takes. So for somebody thats sort of starting out or at a stage where theyre trying to accumulate capital and increase their net worth. Look, I dont have a crystal ball, Icant say for sure butIdont see any triggers for you know,10-20-30% reduction in prices in Australia; that would be unprecedented outside of a few anomalies like[00:35:19]townsin the history of real estate here. I have no business relationship with any company whose stock is mentioned in this article. Her first bestseller was Playing the Odds which was published in 1985. Mark Ryan Social Network Timeline 2014 After all, both the NES Classic and the Super NES Classic proved to be huge successes, meaning that it was natural for interested individuals, Read More The Reason Why Nintendo Isnt Making an N64 ClassicContinue, Matthew McConaughey is one of the best known actors of his generation. Today, Tesla cars that have Autopilot enabled are already about 10 times less likely to get into an accidentthan the US national average! The information on this website does not constitute advice, merely a source of information which may be used to aid in your decision making. Investor of the Year Awards 2015: Steven Ryan. Then there is the gigantic die-casting machine Tesla patented in 2018, which today allows them to create a car body out of just 2 parts (eventually just 1), whereas the body of a traditional car consists of no less than 75 individual parts!! I searched YouTube for some footage of the unveiling, and stumbled upon a video from Solving the Money Problem, and was taken by the guy's knowledge about Tesla and investing. I wrote this article myself, and it expresses my own opinions. Aussie Firebug:Spoken like a great mortgage broker. In Q1 2020, Tesla had a cosy $8 billion in cash (enough to build 4 Gigafactories), although there is also a significant amount of debt on their balance sheet. Um so, you bought the house um, and you continued down the property path [00.08.20 00.08.24]? Stock information might be delayed by as much as 20 minutes. That is why my $450 average purchase price seemed very reasonable to me, even if only a fraction of that future valuation is ever reached. He is best-known for writing childrens books in the horror genre. Although she wrote her first manuscript at 19, she didnt publish her first book until nine years later following her divorce from first husband, Claude-Eric Lazard. record of ragnarok zeus vs adam who wins. Friday, February 21, 2020 1:30am. If so, in what direction and how do you see it moving forwards because from what I read, its harder and harder to get a loan these days for an investment property. Do you think so you mentioned that the banks are now calculating all loans on about 7.5% sayyou know, if you cant pay it back when its at 7.5% were not going to give you a loan, which I think is a good thing. Yeah, well I guess my goal of getting out of my full time job, I walked free of that a couple of years ago. Yet it is clear that they are on a path ofexponentialgrowth. Some of the most successful films that are based on his books include Patriot Games, The Hunt for Red October, The Sum of All Fears, and Clear and Present Danger. It allows you to [00.10.35 00.10.38] in case of emergencies and also just to return on your initial capital is much ah, [00.10.43]. Yeah Im going to give that to kind of [00:26:12] let it sink so the reason why Im working harder than ever now is because I absolutely love what Im doing. in English from Vanderbilt University, Nashville, Tennessee. And I just thought it was ironic that this is a guy thats worth over a million dollars, 31 years of age could be financially independent right now, pull up stumps and basically leave as you said a moderate lifestyle but youre working harder than ever mate. This means the stock could be worth ~$10.000 in 10 years time ($2000 after the recent 5:1 stock split). In fact, now theres even data on the richest Roblox players. This British author has also written several adults books using the pseudonym Robert Galbraith. Its made things very challenging from my perspective as well but you know, it comes with the territory. James Patterson has a net worth of $750 million and earns an estimated $90 million per year. Great. Like nobody cares if youre worth 2 million dollars or 10 million dollars or if your passive income is xyz, you really need to tie that into something more meaningful than just a number. Summary. I dint have wine but, such ah, such at once as well. She is an American author, educator, entrepreneur, and reporter. Aussie Firebug: You know you might have triggered a few in the financial independents crowd. What doI say talk to your broker about that stuff. His books and screenplays usually fall into the genres of horror, fantasy, gothic and suspense. This British-American novelist is worth $300 million. Alright, great. Aussie Firebug: Ah, I guess we will just begin ah, with your story um, and how you managed to be in the position that you are in today, starting from the beginning. Steven: Yes, I mean the strategy its not rocket science to be honest its really just a matter of looking at whats somebodys goal, whats their timeframe, what are they trying to achieve, what are their current resources, what changes might occur you know [00:22:32] when the goal is achieved. I know its crazy but surely theres a pointyou know itreaches a point where the household income just simply cannot afford to pay back aloan of a certain you know magnitude. And now that youre in a business that you do like do you find that you your goals have now changed consideringyou do you like your job as much as you do? This science-fiction novel was about a killer virus from outer space. Ryan is the founder and chief executive of Ryan Specialty Group, a wholesale insurance broker. Robert Lawrence Stine was born in Columbus, Ohio, on October 8, 1943. Steven: Yes it is my company, yes I founded and Im the director yup. Aussie Firebug: And am well aware of the strategy of pulling equity to buy the next one as I have done it myself for earning three properties, um the, the biggest thing I have with that, what is your what is the angle because obviously you are very um, you know a lot of equity you know ah, ah they are worth so much money and um, you got loans on them and theyve given you a little bit of you know a few thousand dollars a year in positive cash flow are you planning to ah, wide until the rent gets to a certain ah point until its you know an income or are you widing for a property to reach a certain point you might sell one and pay off the debts off the other whats sort of your strategy there? Coelho initially wrote lyrics for bands before publishing his first book 1982, although this had only limited success. Members of his congregation call him Papa. Candy Spelling Net Worth $600 Million, 2. Generally now loans that you have elsewhere and a proposed loan are being assessed at about 7.5% interest and are being assessed usually over a 25-year loan time. Istopped buying Sydney a number of years ago and moved my money to Brisbane. Steven: In terms of cash on cash returns so I would suspect that shares would have just a better chance if not more of probability in terms of percentage growth to up before property in Australia but were not factoring in the leverage so [Voiceover]. If youre really, really adamant on becoming financially independent,business is definitely going to be the most effective way to get you there so I mentor of mine, my mortgage broker actuallywhile I was investing said to me a while ago, Steven, your biggest limiting factor is going to be your income. Looking to save on your next SMSF mortgage? With hundreds of creators earning money to create positive content for Tesla, it's no wonder why there are now millions of new fans and investors of the company. If we assume that Musk's second Master Plan will become a reality, we should see: To accommodate these dreams, many more Gigafactories are needed. This is what we refer to as a property cycle. Aussie Firebug: So the, the portfolio in total is cash flow positive? We have been underbuilding housing in Australia for a very long time were also one of the highest net worth countries in the world. Alright, great. Steven: I think index funds are fantastic but the unique option that we have in Australia, if we can learn to understand what drives our property values which is effectively land values rather than the building sitting on them. The Definitive Net Worth Of Donald Trump Hes nowhere near as rich as he boasts, nor as poor as his critics claim. He has sold over 250 million copies of his books internationally. course. So what Im doing now is so rewarding I cant think of anything else at this point of my life that I would rather be doing with my time. True story , Aussie Firebug: actually you know why because I remember this now; the girl would give me funny looks every time I went to the bar and ordered coke and I was getting drunker and drunker and she must have thought, this guy has a flask and I was really sneaky I went to the toilets and everything and the security followed me in and he found me doing it and he kicked me out. I've included some interesting things I've heard from their videos recently. Then check out this article. In the Netflix (NFLX) documentary "The Social Dilemma", data-driven tech companies with machine-learning algorithms are brought to the spotlight. Their unique offering was to allow clients torent solar panels so they could start making money from day 1, instead of having to splurgea couple of thousand dollars and only seeing any real returns after several years. Performance Drive, Member of Property Investment Professionals of Australia. I mean, the algorithm wouldn't waste its time recommending hyper bullish Tesla content to critics such as Jim Chanos or Montana Skeptic, right? Not only was this a best-selling book, it is also the most translated book by a living author. Steven: Um, yes a good question ah the very first place that I bought ah to live in which now I dont occupy, thats in the early 7%, ah so getting a pretty good rent return on that one that I have earned is ah, six and a half [00.11.21] years. This book also became a movie and gave Crichton true blockbuster status. Aussie Firebug: Great do you have any shares? Yes and also we do have to be very mindful to factor in the risks as well if you are levering shares youve got the probability of a margin call and keep extra capital in reserve. They may well be able to make the repayments but the penalty they pay in terms of their lifestyle over the next two or three or four decades is a bit ridiculous at this point in time. Compare low interest mortgages to save on your repayments. And it really has to be tied to something more important than just a financial goal too. Theyve got stuff theyve got to pay, you know theyre not going to do it at a loss but essentially they are giving away their time for free. But if anyone is going to solve it, it is Tesla, as they have a humongous data lead by having over 1 million cars on the road that are collecting real-world data, every single day. I believe that with Steven's Cybertruck video, he created a new category for not only himself, but for other aspiring creators to follow: business-related Tesla content. Steven: I bought in city I paid three hundred and thirteen thousand for a nice little one bedroom apartment ah, well within my budget, I could have spent quite a bit more, but I wanted to be sensible and that was the, I guess the purchase that got things rolling but at that stage I wasnt ah, too well read on investment. Very rewarding and after being in business for a little while I start to hear the feedback coming from people that literally saying things like you know you have completely changed my life or the way that I think, you know Im really grateful. Only time will tell. Thats a good segue into my next question. Outside of that, houses are a different kettle of fish: Sydney and Melbourne again I wouldnt be buying houses there at this stage in the cycle. Let's finish with a quote from Charlie Munger when asked about Musk: I would never buy [Tesla], and I would never sell it short. Steven: Good question there so what was the first question that we were covering off? Electrek even reported that Tesla's PR department, for the most part, has been dissolved. Is there a correlation there and a lot of people are speculating that the Federal Reserve is going to up their rate again possibly three times by the end of the year, how do you see that playing out? Aussie Firebug: So can you tell us a little bit about Interstellar in general, how it came to be and what youre looking to do in that space? Please. Structural Info Filmography Known for movies Guy's Grocery Games (2015) as Casting Department Web8,967 Followers, 519 Following, 54 Posts - See Instagram photos and videos from Steven Mark Ryan (@stevenmrkryan) I felt pretty comfortable that property was something that I could do well with um, so I spent probably the next 3 or so years saving like [00.09.08] at the same time researching like an obsessed crazy person um, so devoured dozens of books, went to made-up, red forums, listened to videos all kinds of stuff to educate myself I watched [00.09.21] and researched everywhere I could think of in a stryer and eventually settled on more property as the way for me to go to fill that foundation ah, [00.09.29] second investment property first investment property, second property September 2013 I paid for 60, 100 dollars for that one um using equity from the first property. To plant a few ideas and seeds in their minds that can really change their thinking, their mindset, their outlook. If you dont have a strong why youre not going to have the drive and willingness to do what it takes. Aussie Firebug: Best advice to someone trying to reach financial independence in todays time? As far as fixing rates go, thats a much more complicated decision than just fixing so youve got some certainty over right; theres some implications there around what are your plans with that loan: are you building a portfolio or are you just an occupier, will you ever consider refinancing or moving, would you ever invest, will you ever want to access equity? Now that we established where Tesla istoday, let us pull out our crystal ball and make some educated guesses about the future. DCF Calculator, Stock Watchlist, 10 Years of Financial Statements Data & The 10 Best Investors In The World eBook, Value Spreadsheet | Earn Market-Beating Returns 2023. I was actually thinking about dropping the transcription as I didnt know if anyone actually read them. Aussie Firebug: Um, so you spoke a bit of so you got into property investment when, even investing is not really, you know a property investing most want to spend their money on . He was born in London on April 15, 1940. But they dont really know why, what the end goal is. Aussie Firebug: And now that youre in a business that you do like do you find that you your goals have now changed consideringyou do you like your job as much as you do? So the sustainableness of the growth, or sustainability, if were talking in the last ten years, if we average that out then Ill say that in the last probably three or four years, definitely not sustainable. Youll find that people that have had some form of success however you define that in life generally are quite generous with their time and advice and if you can find a mentor thats also willing to spend a little bit of time to help you to recommend some resources: books, courses, seminars andto change your thinking, I think that will have the biggest impact on your life. So its really just a matter of looking at the numbers and putting a bit of a plan together in terms of if we can do this, this and this then this is where we will get to. Now, on the so youdont foresee it going uptoo much, what about the federal reserve, the US Federal Reserve Act, their ratethe other day, I think in the other week, and I immediately see on the internet, I think it was ANZ or maybe it was[00:40:04], but its one of them, upped theirrate on investor loans which like you mentioned, the investor loans the cash rate isnt directly tied to like the banks can set their interest rate whatever they want. Billionaire investor Ron Baron believes Tesla could be worth $1.5 trillion by 2030. The information in this website and the links provided are for general information only and should not be taken as constituting professional advice. Some of his most popular books have become movies. You should always do your own research when making any financial decisions. (source), I actually deep down think Tesla is going to $10T (source), Tesla Daily (96k subscribers; also a partner with The Street), Tesla announced, in great detail, their exact plan to become the most valuable company in the world (source), It's just a matter of time before GM and Ford go bankrupt (source), I think it will push Tesla forward to eventually become the largest auto manufacturer in the world by production volume, If you're a long-term investor, you really need to consider investing in Tesla (source). I see at the moment, Sydney and Melbourne in particular are pretty much peek of the market, I wouldnt be buying there as an investment unless Ive got a view of 15-20 years or more. Instead of spending any time with the press, he's spent over three hours on a podcast with his biggest fans and retail investors. Websteven mark ryan net worth. I create tools and resources to make investing more accessible. Rather than I should just buy a property because people have been telling me thats what smart people do and I want to be smart, which is funny enough. Looking for a home loan for your investment property? Im happy to have a chat to anybody if theyd like to have a bit of a look at what their options are in terms of investing but other than that, Id say if anyones curious to learn a bit more about the property stuff in particular, just head over to the, Right,Ill put a link in the show notes guys to Steves profile on property chat and stuff like that and his website so you can find him quite easily. The real kicker though is that many of these creators are getting paid. $2.5 billion, according to our most recent tally. February 2017 Net Worth $274,257 (+$15,401). Allison DuBois is worth $200 million and she is an author and medium. Has there been a big shift? Aussie Firebug:I think its a good thing, do you think its a good thing? My gut feel is that were in for pretty low rates for the foreseeable future unless theres major improvements in our economy overall, I cant see reason for the Reserve Bank to be lifting rates; maybe well get a quarter percentage or two here or there, nothing too substantial. Steven: I studied, I studied for a number of years out of high school um, I think that probably I had been working fulltime, maybe three years before that, so I probably had saved about 10 or so grand a year since starting full time work I was ah, certainly a pretty typical teenager in terms of ah, the drinking habits and tracing girls and what not but, I was ah little bit unconventional when we went out for drinks ah- I would bring ah, a little [00.06.00] [00.06.01] with some red wine in my jacket rather than spending ah, super amount of drinks over the bar {laughter} and so I managed to save the deposit while still having a typical ah, teenage [00.06.08] [00.06.09], yeah , Aussie Firebug: Do you know what, do you know what? Tesla has always been a popular company and there are videos featuring the cars with greater popularity, but from a business perspective, this is the first time I've seen a video go viral. Also on Sound Cloud at. 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Aussie Firebug: So you do strategy as well as outsourcing and finance? She has now written a total of 209 novels. I believe Tesla fans and investors have leveraged social media platforms to convince large numbers to believe Tesla will become the most valuable company in the world. Our Mission; Letter from the Owner; Stargazer Day Camp; YELP Reviews; Letter from the Senator; Letter from the Principal PS 207; Letter from the Principal PS 240; Giving Back; Register. 
None of my clients, for example, are buying those types of things but definitely I caution to be yielded there. This content is not fact checked reviewed or regulated, and some creators are paid handsomely (estimated well over six figures) for their content. Ive got 3 properties but Im up to about 70k in index funds now so you know if either one goes up Im really happy. Apartments,Iwould not be touching off-the-plan apartments with a four million kilometer pole in the Gold Coast or Brisbane or Melbourne, perhaps even Sydney, theres quite a large amount of supply, theres quite a large number approvals still yet to commence construction and youre asking for trouble with those types of investments but a savvy investor wouldnt really be buying those anyway because you know, a brand new apartment, youre paying the developers profit margin, theyre marketing fees, their advertising fees, their agent commissions. So Tesla today has themost powerful self-driving chip in the world, as well as a gigantic data lead, making it very likely that they will be the first company to solve level 5 autonomy. Any much further out than a few years,Ireallycant seethat far but I do feel that were not likely to return to the rates that out parents perhaps experienced in you know, the early nineties or in a different era, a low inflation era. I actually did write an article about fixed versus variable, just a shameless plug and for that article, Ill put that in the show notes but yeah, I am Im on the variable camp as well. Are you trying to reach Steven? Youll talk yourself out of things, youll procrastinate, and youll let fear prevent you from acting. If you dont have a strong why youre not going to have the drive and willingness to do what it takes. So for somebody thats sort of starting out or at a stage where theyre trying to accumulate capital and increase their net worth. Look, I dont have a crystal ball, Icant say for sure butIdont see any triggers for you know,10-20-30% reduction in prices in Australia; that would be unprecedented outside of a few anomalies like[00:35:19]townsin the history of real estate here. I have no business relationship with any company whose stock is mentioned in this article. Her first bestseller was Playing the Odds which was published in 1985. Mark Ryan Social Network Timeline 2014 After all, both the NES Classic and the Super NES Classic proved to be huge successes, meaning that it was natural for interested individuals, Read More The Reason Why Nintendo Isnt Making an N64 ClassicContinue, Matthew McConaughey is one of the best known actors of his generation. Today, Tesla cars that have Autopilot enabled are already about 10 times less likely to get into an accidentthan the US national average! The information on this website does not constitute advice, merely a source of information which may be used to aid in your decision making. Investor of the Year Awards 2015: Steven Ryan. Then there is the gigantic die-casting machine Tesla patented in 2018, which today allows them to create a car body out of just 2 parts (eventually just 1), whereas the body of a traditional car consists of no less than 75 individual parts!! I searched YouTube for some footage of the unveiling, and stumbled upon a video from Solving the Money Problem, and was taken by the guy's knowledge about Tesla and investing. I wrote this article myself, and it expresses my own opinions. Aussie Firebug:Spoken like a great mortgage broker. 
In Q1 2020, Tesla had a cosy $8 billion in cash (enough to build 4 Gigafactories), although there is also a significant amount of debt on their balance sheet. Um so, you bought the house um, and you continued down the property path [00.08.20 00.08.24]? Stock information might be delayed by as much as 20 minutes. That is why my $450 average purchase price seemed very reasonable to me, even if only a fraction of that future valuation is ever reached. He is best-known for writing childrens books in the horror genre. Although she wrote her first manuscript at 19, she didnt publish her first book until nine years later following her divorce from first husband, Claude-Eric Lazard. record of ragnarok zeus vs adam who wins. Friday, February 21, 2020 1:30am. If so, in what direction and how do you see it moving forwards because from what I read, its harder and harder to get a loan these days for an investment property. Do you think so you mentioned that the banks are now calculating all loans on about 7.5% sayyou know, if you cant pay it back when its at 7.5% were not going to give you a loan, which I think is a good thing. Yeah, well I guess my goal of getting out of my full time job, I walked free of that a couple of years ago. Yet it is clear that they are on a path ofexponentialgrowth. Some of the most successful films that are based on his books include Patriot Games, The Hunt for Red October, The Sum of All Fears, and Clear and Present Danger. It allows you to [00.10.35 00.10.38] in case of emergencies and also just to return on your initial capital is much ah, [00.10.43]. Yeah Im going to give that to kind of [00:26:12] let it sink so the reason why Im working harder than ever now is because I absolutely love what Im doing. 
in English from Vanderbilt University, Nashville, Tennessee. And I just thought it was ironic that this is a guy thats worth over a million dollars, 31 years of age could be financially independent right now, pull up stumps and basically leave as you said a moderate lifestyle but youre working harder than ever mate. This means the stock could be worth ~$10.000 in 10 years time ($2000 after the recent 5:1 stock split). In fact, now theres even data on the richest Roblox players. This British author has also written several adults books using the pseudonym Robert Galbraith. Its made things very challenging from my perspective as well but you know, it comes with the territory. James Patterson has a net worth of $750 million and earns an estimated $90 million per year. Great. Like nobody cares if youre worth 2 million dollars or 10 million dollars or if your passive income is xyz, you really need to tie that into something more meaningful than just a number. Summary. I dint have wine but, such ah, such at once as well. She is an American author, educator, entrepreneur, and reporter. Aussie Firebug: You know you might have triggered a few in the financial independents crowd. What doI say talk to your broker about that stuff. His books and screenplays usually fall into the genres of horror, fantasy, gothic and suspense. This British-American novelist is worth $300 million. Alright, great. Aussie Firebug: Ah, I guess we will just begin ah, with your story um, and how you managed to be in the position that you are in today, starting from the beginning. Steven: Yes, I mean the strategy its not rocket science to be honest its really just a matter of looking at whats somebodys goal, whats their timeframe, what are they trying to achieve, what are their current resources, what changes might occur you know [00:22:32] when the goal is achieved. I know its crazy but surely theres a pointyou know itreaches a point where the household income just simply cannot afford to pay back aloan of a certain you know magnitude. And now that youre in a business that you do like do you find that you your goals have now changed consideringyou do you like your job as much as you do? This science-fiction novel was about a killer virus from outer space. Ryan is the founder and chief executive of Ryan Specialty Group, a wholesale insurance broker. Robert Lawrence Stine was born in Columbus, Ohio, on October 8, 1943. Steven: Yes it is my company, yes I founded and Im the director yup. Aussie Firebug: And am well aware of the strategy of pulling equity to buy the next one as I have done it myself for earning three properties, um the, the biggest thing I have with that, what is your what is the angle because obviously you are very um, you know a lot of equity you know ah, ah they are worth so much money and um, you got loans on them and theyve given you a little bit of you know a few thousand dollars a year in positive cash flow are you planning to ah, wide until the rent gets to a certain ah point until its you know an income or are you widing for a property to reach a certain point you might sell one and pay off the debts off the other whats sort of your strategy there? Coelho initially wrote lyrics for bands before publishing his first book 1982, although this had only limited success. Members of his congregation call him Papa. Candy Spelling Net Worth $600 Million, 2. Generally now loans that you have elsewhere and a proposed loan are being assessed at about 7.5% interest and are being assessed usually over a 25-year loan time. Istopped buying Sydney a number of years ago and moved my money to Brisbane. Steven: In terms of cash on cash returns so I would suspect that shares would have just a better chance if not more of probability in terms of percentage growth to up before property in Australia but were not factoring in the leverage so [Voiceover]. If youre really, really adamant on becoming financially independent,business is definitely going to be the most effective way to get you there so I mentor of mine, my mortgage broker actuallywhile I was investing said to me a while ago, Steven, your biggest limiting factor is going to be your income. Looking to save on your next SMSF mortgage? With hundreds of creators earning money to create positive content for Tesla, it's no wonder why there are now millions of new fans and investors of the company. If we assume that Musk's second Master Plan will become a reality, we should see: To accommodate these dreams, many more Gigafactories are needed. This is what we refer to as a property cycle. Aussie Firebug: So the, the portfolio in total is cash flow positive? We have been underbuilding housing in Australia for a very long time were also one of the highest net worth countries in the world. Alright, great. Steven: I think index funds are fantastic but the unique option that we have in Australia, if we can learn to understand what drives our property values which is effectively land values rather than the building sitting on them. The Definitive Net Worth Of Donald Trump Hes nowhere near as rich as he boasts, nor as poor as his critics claim. He has sold over 250 million copies of his books internationally. course. So what Im doing now is so rewarding I cant think of anything else at this point of my life that I would rather be doing with my time. True story , Aussie Firebug: actually you know why because I remember this now; the girl would give me funny looks every time I went to the bar and ordered coke and I was getting drunker and drunker and she must have thought, this guy has a flask and I was really sneaky I went to the toilets and everything and the security followed me in and he found me doing it and he kicked me out. I've included some interesting things I've heard from their videos recently. Then check out this article. In the Netflix (NFLX) documentary "The Social Dilemma", data-driven tech companies with machine-learning algorithms are brought to the spotlight. Their unique offering was to allow clients torent solar panels so they could start making money from day 1, instead of having to splurgea couple of thousand dollars and only seeing any real returns after several years. Performance Drive, Member of Property Investment Professionals of Australia. I mean, the algorithm wouldn't waste its time recommending hyper bullish Tesla content to critics such as Jim Chanos or Montana Skeptic, right? Not only was this a best-selling book, it is also the most translated book by a living author. Steven: Um, yes a good question ah the very first place that I bought ah to live in which now I dont occupy, thats in the early 7%, ah so getting a pretty good rent return on that one that I have earned is ah, six and a half [00.11.21] years. This book also became a movie and gave Crichton true blockbuster status. Aussie Firebug: Great do you have any shares? Yes and also we do have to be very mindful to factor in the risks as well if you are levering shares youve got the probability of a margin call and keep extra capital in reserve. They may well be able to make the repayments but the penalty they pay in terms of their lifestyle over the next two or three or four decades is a bit ridiculous at this point in time. Compare low interest mortgages to save on your repayments. And it really has to be tied to something more important than just a financial goal too. Theyve got stuff theyve got to pay, you know theyre not going to do it at a loss but essentially they are giving away their time for free. But if anyone is going to solve it, it is Tesla, as they have a humongous data lead by having over 1 million cars on the road that are collecting real-world data, every single day. I believe that with Steven's Cybertruck video, he created a new category for not only himself, but for other aspiring creators to follow: business-related Tesla content. Steven: I bought in city I paid three hundred and thirteen thousand for a nice little one bedroom apartment ah, well within my budget, I could have spent quite a bit more, but I wanted to be sensible and that was the, I guess the purchase that got things rolling but at that stage I wasnt ah, too well read on investment. Very rewarding and after being in business for a little while I start to hear the feedback coming from people that literally saying things like you know you have completely changed my life or the way that I think, you know Im really grateful. Only time will tell. Thats a good segue into my next question. Outside of that, houses are a different kettle of fish: Sydney and Melbourne again I wouldnt be buying houses there at this stage in the cycle. Let's finish with a quote from Charlie Munger when asked about Musk: I would never buy [Tesla], and I would never sell it short. Steven: Good question there so what was the first question that we were covering off? Electrek even reported that Tesla's PR department, for the most part, has been dissolved. Is there a correlation there and a lot of people are speculating that the Federal Reserve is going to up their rate again possibly three times by the end of the year, how do you see that playing out? Aussie Firebug: So can you tell us a little bit about Interstellar in general, how it came to be and what youre looking to do in that space? Please. Structural Info Filmography Known for movies Guy's Grocery Games (2015) as Casting Department Web8,967 Followers, 519 Following, 54 Posts - See Instagram photos and videos from Steven Mark Ryan (@stevenmrkryan) I felt pretty comfortable that property was something that I could do well with um, so I spent probably the next 3 or so years saving like [00.09.08] at the same time researching like an obsessed crazy person um, so devoured dozens of books, went to made-up, red forums, listened to videos all kinds of stuff to educate myself I watched [00.09.21] and researched everywhere I could think of in a stryer and eventually settled on more property as the way for me to go to fill that foundation ah, [00.09.29] second investment property first investment property, second property September 2013 I paid for 60, 100 dollars for that one um using equity from the first property. To plant a few ideas and seeds in their minds that can really change their thinking, their mindset, their outlook. If you dont have a strong why youre not going to have the drive and willingness to do what it takes. Aussie Firebug: Best advice to someone trying to reach financial independence in todays time? As far as fixing rates go, thats a much more complicated decision than just fixing so youve got some certainty over right; theres some implications there around what are your plans with that loan: are you building a portfolio or are you just an occupier, will you ever consider refinancing or moving, would you ever invest, will you ever want to access equity? Now that we established where Tesla istoday, let us pull out our crystal ball and make some educated guesses about the future. DCF Calculator, Stock Watchlist, 10 Years of Financial Statements Data & The 10 Best Investors In The World eBook, Value Spreadsheet | Earn Market-Beating Returns 2023. I was actually thinking about dropping the transcription as I didnt know if anyone actually read them. Aussie Firebug: Um, so you spoke a bit of so you got into property investment when, even investing is not really, you know a property investing most want to spend their money on . He was born in London on April 15, 1940. But they dont really know why, what the end goal is. Aussie Firebug: And now that youre in a business that you do like do you find that you your goals have now changed consideringyou do you like your job as much as you do? So the sustainableness of the growth, or sustainability, if were talking in the last ten years, if we average that out then Ill say that in the last probably three or four years, definitely not sustainable. Youll find that people that have had some form of success however you define that in life generally are quite generous with their time and advice and if you can find a mentor thats also willing to spend a little bit of time to help you to recommend some resources: books, courses, seminars andto change your thinking, I think that will have the biggest impact on your life. So its really just a matter of looking at the numbers and putting a bit of a plan together in terms of if we can do this, this and this then this is where we will get to. Now, on the so youdont foresee it going uptoo much, what about the federal reserve, the US Federal Reserve Act, their ratethe other day, I think in the other week, and I immediately see on the internet, I think it was ANZ or maybe it was[00:40:04], but its one of them, upped theirrate on investor loans which like you mentioned, the investor loans the cash rate isnt directly tied to like the banks can set their interest rate whatever they want. Billionaire investor Ron Baron believes Tesla could be worth $1.5 trillion by 2030. The information in this website and the links provided are for general information only and should not be taken as constituting professional advice. Some of his most popular books have become movies. You should always do your own research when making any financial decisions. (source), I actually deep down think Tesla is going to $10T (source), Tesla Daily (96k subscribers; also a partner with The Street), Tesla announced, in great detail, their exact plan to become the most valuable company in the world (source), It's just a matter of time before GM and Ford go bankrupt (source), I think it will push Tesla forward to eventually become the largest auto manufacturer in the world by production volume, If you're a long-term investor, you really need to consider investing in Tesla (source). I see at the moment, Sydney and Melbourne in particular are pretty much peek of the market, I wouldnt be buying there as an investment unless Ive got a view of 15-20 years or more. Instead of spending any time with the press, he's spent over three hours on a podcast with his biggest fans and retail investors. Websteven mark ryan net worth. I create tools and resources to make investing more accessible. Rather than I should just buy a property because people have been telling me thats what smart people do and I want to be smart, which is funny enough. Looking for a home loan for your investment property? Im happy to have a chat to anybody if theyd like to have a bit of a look at what their options are in terms of investing but other than that, Id say if anyones curious to learn a bit more about the property stuff in particular, just head over to the, Right,Ill put a link in the show notes guys to Steves profile on property chat and stuff like that and his website so you can find him quite easily. The real kicker though is that many of these creators are getting paid. $2.5 billion, according to our most recent tally. February 2017 Net Worth $274,257 (+$15,401). Allison DuBois is worth $200 million and she is an author and medium. Has there been a big shift? Aussie Firebug:I think its a good thing, do you think its a good thing? My gut feel is that were in for pretty low rates for the foreseeable future unless theres major improvements in our economy overall, I cant see reason for the Reserve Bank to be lifting rates; maybe well get a quarter percentage or two here or there, nothing too substantial. Steven: I studied, I studied for a number of years out of high school um, I think that probably I had been working fulltime, maybe three years before that, so I probably had saved about 10 or so grand a year since starting full time work I was ah, certainly a pretty typical teenager in terms of ah, the drinking habits and tracing girls and what not but, I was ah little bit unconventional when we went out for drinks ah- I would bring ah, a little [00.06.00] [00.06.01] with some red wine in my jacket rather than spending ah, super amount of drinks over the bar {laughter} and so I managed to save the deposit while still having a typical ah, teenage [00.06.08] [00.06.09], yeah , Aussie Firebug: Do you know what, do you know what? Tesla has always been a popular company and there are videos featuring the cars with greater popularity, but from a business perspective, this is the first time I've seen a video go viral. Also on Sound Cloud at. 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