Thank you

Hi Linda and Carlos,

 

I like to take this opportunity to thank you both and your team for excellent management service.

Since moved our properties to your agent, we are really enjoying a trustable, reliable and trouble-free property management. Especially when we have some unknowns,  Carlos always patiently explain to us, or step by step teach us even let us use his own tools. 

Because of your outstanding service, we will keep our properties under your management forever.

 

Thanks again for your excellent properties management !

 

Steven Xia and Linda Lu

嗨琳达和卡洛斯，

我想借此机会感谢你们和您的团队提供的出色管理服务。

自从将我们的财产移交给您的代理商以来，我们真正享受到了可信赖，可靠且无故障的财产管理。 特别是当我们有一些未知数时，卡洛斯总是耐心地向我们解释，或者一步一步地教我们甚至让我们使用他自己的工具。

由于您提供出色的服务，我们将永远把我们的财产保持在您的管理之下。

再次感谢您出色的物业管理！

夏史蒂芬和陆琳娜

Linda 姬琳达珍 and Carlos Debello (LREA)

LJ Gilland Real Estate Pty Ltd

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Hola linda y carlos

 

 Aprovecho esta oportunidad para agradecerles a ambos y a su equipo por el excelente servicio de administración.

 Desde que trasladamos nuestras propiedades a su agente, realmente estamos disfrutando de una administración de propiedades confiable, confiable y sin problemas.  Especialmente cuando tenemos algunas incógnitas, Carlos siempre nos explica pacientemente, o nos enseña paso a paso, incluso nos deja usar sus propias herramientas.

 Debido a su excelente servicio, mantendremos nuestras propiedades bajo su administración para siempre.

 

 Gracias de nuevo por su excelente gestión de propiedades.

 

 Steven Xia y Linda Lu

 Linda 姬 琳达 珍 y Carlos Debello (LREA)

 LJ Gilland Real Estate Pty Ltd

 Linda Debello LREA 推荐 书 LJ Gilland 房地产

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What do these reforms mean for Tenants?

How does it impact me?

Lack of suitable housing

More than half of Queensland’s local government areas are experiencing tight rental conditions, meaning it’s already difficult for renters to find suitable accommodation. The proposed reforms have the potential to deter investors from entering the rental market, and may prompt current property owners to sell their properties. This abrupt market disruption would see rental vacancy rates tighten even further, resulting in fewer available homes for potential tenants, who would struggle to secure suitable homes for themselves and their families.

Rent increases

By Minister de Brenni’s own admission, the proposed reforms would result in an increase in rent of up to $18 per week, due to the impact on housing supply and additional cost burdens to property owners. For the average Queensland tenant, renting a three bedroom home for an average weekly rent of $360, this rise equates to a massive five per cent increase. Of course we know that these types of estimates are often conservative, so it’s likely that the rent increase for tenants would be even higher. Higher rent also means higher bonds. The end result? Reduced affordable housing for renters, impacting Queensland’s most vulnerable. 

Difficulty securing a home

Reduced housing supply due to fewer investors entering the market, as well as current property owners withdrawing their properties, securing a suitable home will be more difficult. This challenge will be further compounded by tougher screening requirements and possible discrimination against prospective tenants. 

What's the solution?

The REIQ agrees that a review of rental laws is long overdue and now is the time to modernise the laws as they stand. 

However it is essential that future reforms lead to safety and stability for all market participants. The residential property market is critical to the Queensland economy and having a steady supply of investors is key to ensuring rental and housing affordability is maintained. 

For that to happen, the State Government must provide certainty and fairness to the market. The REIQ calls for rental reforms that reflect its view that a healthy growing real estate sector should benefit everyone involved – tenants, investors and real estate professionals alike. Queensland has one of the highest proportion of renters in Australia, with more than 34 per cent, and that number is predicted to rise in the future. 

As such, we must have fair and balanced laws that recognise the rights and obligations of both parties in the rental relationship. 

The REIQ believes

• Tenants are entitled to safe and secure homes, extending to the right to request repairs, maintenance and upgrades to ensure that safety and security requirements are met and respected by landlords.
• Property owners must have the right to expect tenants to pay rent on time, and to care and maintain their property throughout the tenancy. They must also retain the right to make decisions and maintain control of the properties they’ve worked hard to acquire. 
  
• Property professionals require clarity. Laws must be easily understood so that property managers can properly and effectively manage the relationship between the parties.
  

The solution is rental reforms that protect both people and property. 

Housing affordability November 2019

Housing affordability has slightly improved across most regions of Australia over the past ten years, according to CoreLogic data.

While national dwelling values have risen around the same rate as household incomes over the past decade, mortgage rates have fallen to generational lows, leading to an improvement in loan serviceability with households dedicating less of their income to their home loan.

Nationally, the ratio of dwelling values to household incomes has moved about over the past decade, swinging from a low of 6.1 in late 2012 to a recent high of 7.0 in early 2018. However, in June 2019, the ratio settled at 6.5 – the equivalent to where it was ten years ago.

The 6.5 figure means the average Australian household is spending 6.5 times their gross annual income to purchase a typical dwelling.

While the national reading is the same as it was ten years ago, five of the eight capital cities and four of the seven non-capital city regions have recorded an improvement in the ratio between dwelling values and household incomes.

The lowest is in Darwin, with the typical household only spending 3.4 times their gross annual household income to purchase a dwelling – down from 5.6 ten years ago.

“While most areas have seen housing values become more affordable relative to incomes, some areas have seen affordability worsen,” explained CoreLogic research director Tim Lawless.

“Sydney, Melbourne and Hobart have seen housing values rise at a faster rate than household incomes which has eroded affordability.”

Sydney is at 8.2, up from 6.6 ten years ago. Melbourne is at 7.2, up from 6.4 in 2009. Hobart is at 6.5, up from 5.9.

“It’s a similar story with mortgage serviceability,” said Lawless.

“Despite mortgage rates falling to the lowest level since at least the 1950s, households in Sydney, Melbourne and Hobart are generally dedicating a larger proportion of their incomes towards servicing a new mortgage than they were in 2009.”

For example, based on the proportion of household income required to service a new 80% LVR mortgage, Sydney households are now dedicating 43.7% of their gross annual household income on mortgage repayments compared with 37.7% ten years ago.

“Although housing affordability has worsened relative to ten years ago in Sydney and Melbourne, the decline in home values together with a subtle rise in household incomes and lower mortgage rates has seen affordability and serviceability record a temporary improvement in these areas,” said Lawless.

“[However], since June, dwelling values have surged higher while income growth has remained sluggish, implying that the improvement in housing affordability that has been delivered via a fall in home values is now being eroded.”

Leaders face a lot of issues but one thing they will struggle with is sometimes staying positive.

Being a leader is all about balance. You have to be mindful and quick, slow and steady, take risks, have vision, listen but speak, know but question—and do it all with grace.

It goes without saying that challenges come with the territory. One of the most overwhelming, for many leaders, is the struggle to stay positive in the face of a demanding position. Fighting negativity is a distraction that keeps lots of leaders from their best work.

How can you stay positive in a negative world? Here are some strategies that have worked for others:

Let go of perfectionism. The worst thing you can do for yourself is get stuck in the mindset that things need to be perfect. The best leaders, those who are most successful, know that nothing is every perfect, and if we expect perfection we’re setting ourselves up for failure. Focus on being positive instead of being perfect.

Create an inner circle of positive people.Leadership can mean being in a lonely position, but having good people around you—trusted souls you can talk to and lean in to, people who will help you find positive solutions—is one of the best gifts you can give yourself.

Healthy body, happy mind, happier heart. The best way to keep yourself from drowning when everything around you seems to be sinking is to keep your body healthy and your thoughts happy. It’s easy to be become bogged down when you’re surrounded by negativity; it takes energy and good health to keep on top of mind, body, and spirit.

Give more to stay positive. No one remains unhappy by giving. Challenging yourself to give more may seem like the last thing you would think to do when things are tough, but the more you give, the happier you will be—whether it’s the worst of times or the best of times. Giving has a way of canceling out the worst days, the biggest challenges, and the most arduous circumstances.

Make a plan and set goals. The worst thing you can do when everything around you is overwhelming is to flail around and respond to circumstances as they happen without a governing strategy. Instead, create a plan and start setting goals. Simply having a goal to work toward can create positive energy. Start small and keep a steady focus on moving forward and accomplishing great things.

Encourage others to get through the tough stuff. Studies show that making other people happy is a significant source of happiness. If you can stay focused on empowering and motivating others, you can feel good about yourself and be strong when things are not going so well. It’s a win-win.

Don’t sweat the small stuff. What’s big today can be small tomorrow; what’s urgent today may find a way of working itself out. When everything around you is falling apart and it’s hard to stay positive, remind yourself how the big stuff can become small stuff and small stuff can become insignificant.

Remember that this too shall pass. As we know, everything changes—nothing is ever the same, everything is always evolving and changing. So when times are really tough and you find yourself being pulled down into negativity, remind yourself that this too shall pass. Keep your wits about you and try to stay positive, because the solution you need may be right around the corner.

You don’t have to do it alone. Get the help and support you need by sharing your issues with someone who’s been there or who has the skills to help you navigate through the tough times. Things quickly become overwhelming when you feel you have to do everything yourself and keep things bottled up inside. But if you can share your hardships and challenges and find someone to support you, that simple change can shift your thinking and help bring solutions within reach.

Lead From Within:  To find the balance, the stamina, the solutions you need, remember that the first step is always the same: Stay positive.

 

NAB agrees to pay $49.5m in CCI settlement - Mortgage Business

CCI sold with credit cards was found to consistently be the poorest value for money for consumers compared to other CCI products. 

Overall, the ASIC report found that:

• Consumers were sold CCI despite the fact they were ineligible to claim under their policy.
• Consumers were incorrectly charged for CCI, including being charged ongoing CCI premiums even though they no longer had a loan.
• Telephone sales staff used high-pressure selling and other unfair sales practices when selling CCI.
• Consumers were given non-compliant personal advice to buy unsuitable policies.
• CCI is “extremely poor value for money”, with consumers receiving only 11 cents in claims for every dollar paid in premiums.
• Across all CCI products sold by lenders, only 19 cents was recovered in claims for every premium dollar that consumers paid.
• Several lenders did not have consumer-focused processes to help consumers in hardship make a claim under their CCI policy.

Given the serious findings, ASIC has commenced enforcement investigations into a number of entities that have been involved in mis-selling CCI to consumers. The defendants to ASIC’s future action will reportedly be publicly identified at the time proceedings commence. 

It is also requiring lenders to remediate over 300,000 affected consumers with over $100 million to ensure that consumers who have not been treated fairly are appropriately remediated. 

To date, more than $51 million has been paid to over 186,000 consumers. 

NAB agrees to pay $49.5m in CCI settlement - Mortgage Business

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THE GUARDIAN

Robodebt: government abandons key part of debt recovery scheme in major overhaul | Welfare

The robodebt program will be completely renovated after the government committed to abandon a central plank of the program’s automation which has seen tens of thousands of welfare recipients overcharged for alleged debts.

In an email to staff on Tuesday the department of human services revealed it will abandon sole reliance on the controversial “income-averaging” method and instead require additional proof before demanding welfare recipients pay back alleged debts.

The department also revealed it will review all existing alleged debts and freeze existing debt recovery pending the review.

The dramatic overhaul of the program could result in hundreds of millions of dollars of debts waived as part of the $3.7bn program, and comes just months after Labor lent its support to a class action challenging the legality of the program.

Bill Shorten, the shadow government services minister, declared that the government had taken robodebt “to the wreckers yard” by finally “junking the reverse onus of proof where victims have to prove they don’t owe the debts”.

The robodebt program operates by sending automatically generated notices to welfare recipients urging them to clarify alleged discrepancies in their income or pay back an alleged debt to the commonwealth.

The former Administrative Appeals Tribunal senior member Terry Carney has warned the alleged debts are unlawful – as income averaging is not a proper basis to claim a debt.

In an internal email, seen by Guardian Australia, the department promised to strengthen the program by no longer raising a debt where the only information it relies on is its own averaging of Australian Taxation Office income data.

In future, the department will seek more information to determine if a debt exists – even if the recipient of a notice refuses to respond – rather than proceed on the assumption it does.

The department committed to reviewing all existing alleged debts with a focus on people who did not respond disputing the calculations. The review will assess whether there is proof of a debt beyond the income-averaging method.

Shorten said the changes amounted to an admission from government services minister Stuart Robert that “his pet scheme that terrorises innocent Australians - is not actually alright”.

“Mr Robert has repeatedly assured the public the scheme is fine, and that there is nothing immoral or illegal or overwhelmingly inaccurate about it,” he said.

“But now under immense pressure from Labor and with a looming class action he has hit the emergency brakes on this scheme.”

The Community and Public Sector Union welcomed the “stunning reversal of its controversial robodebt program” but called on the department to lift its staffing cap to deal with the workload of reviewing debts.

CPSU national secretary, Melissa Donnelly said: “This is a really important shift and acknowledges the dedication and expertise of CPSU members working in DHS, as well as the community members, and community advocates who spoke out to tell their stories and worked tirelessly to raise awareness of the issues.”

On Thursday Robert was asked at the National Press Club about the contention that robodebts are unlawful, and two-high profile cases in May and September when Centrelink waived the debt rather then defend the legality of the program.

Robert responded that “averaging as the basis to say to a citizen ‘there may be a debt, please engage with us’ was entirely appropriate”.

“As Australians engage with us and provide information to us, many times they can actually prove that they haven’t earned too much, and in fact in 19.9% of cases, Australians when they engage with us actually demonstrate through their bank account records or salary payslips that they don’t have a debt,” he said.

View on theguardian.com

UNDER CONTRACT - 4/2032 Tully Mission Beach Road Wongaling Beach QLD 4852 | for sale

Initial reaction: (1) APRA - Why is no-one asking APRA when it may intervene? (2) There is a clear risk (say 20% or more) of not just of weakening, but of Recession including significant rise in unemployment. Suggest you should have included a scenario for a 2020 2H Recession. Most Cities to record Dwelling Price Rises in 2020. APRA to not intervene.

Report via @ ljgrealestate 

Most of Australia’s capital cities will benefit from the interest rate cuts and loosening of credit restrictions to record dwelling price rises over 2020 with Sydney and Melbourne leading the charge, according to Christopher’s Housing Boom and Bust Report for 2020, released today by SQM Research.

The base case forecast is for dwelling prices to rise between 7% to 11%, which is a strong bounce back from the price falls recorded over 2018 and the first half of 2019.

Sydney and Melbourne will drive the rises. The forecast is for Sydney to rise between 10% to 14% and Melbourne 11% to 15%. Other cities are also expected to record price rises.

         ACTUALS

      2020 Scenario 1 (base case)

      2020 Scenario 2

      2020 Scenario 3

      2020 Scenario 4

    City/Region

  • 12monthsto 31 Oct-2019

• AllDwellings Source: Corelogic

   • Cashrateunchanged at 0.75%

• Economyrecovering

• AUDrangesbetween US$0.65–US$0.75

• NOAPRA Intervention until late 2020 at the earliest

 • RBAcutsto0.50%by April 2020

• Tradewarstentatively stabilised

• Economystable

• NoAPRAintervention

  Same as Scenario One HOWEVER:

• APRA Intervention occurs MID 2020

   • Tradetalkscollapse

• Economyweakening

• RBAcutscashrateto

zero by end 2020.

• QEstarts

     Perth

      -8.7%

      +3% to +6%

      +4% to +7%

      +3% to +6%

      -6% to -2%

  Brisbane Melbourne Adelaide Canberra

-1.1% -1.0% -0.9% +2.0%

+3% to +6% +11% to +15% +1% to +4% +3% to +7%

+4% to +7% +12% to +17% +1% to +4% +4% to +8%

+3% to +6% +5% to +9% +1% to +4% +2% to +5%

-3% to +1% 0% to +4% -2% to +2% +4% to +7%

   Darwin

     -9.2%

     -5% to -2%

     -4% to -1%

     -5% to -2%

     -7% to -3%

     Sydney

     -2.5%

     +10% to +14%

     +11% to +16%

     +4% to +8%

     0% to +4%

     Hobart

     +2.6%

     +5% to +8%

     +6% to +9%

     +4% to +7%

     +3% to +6%

     Capital City Average (weighted)

    -2.5%

    +7% to +11%

    +8% to +13%

    +4% to +7%

    -1% to +3%

 Source: Christopher’s Housing Boom and Bust Report 2020

The base case forecasts assume no changes in interest rates and, importantly, no intervention by the Australian Prudential Regulation Authority (APRA). The base case also assumes a recovering Australian economy that has responded to the rate cuts of 2019 and reduced international trade tensions. One that is also been driven by ongoing strong population growth rates.

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 As a result of the improved international outlook and an existing recovering in mining investment, the city of Perth will finally record price rises next year after a prolonged housing downturn. The forecast is for Perth dwelling prices to rise between 3% to 6%. Brisbane will also benefit from the recovery in mining investment and should also record price rises in the order of 3% to 6%.

Darwin is the only city expected to record price declines. The forecast of for prices to fall between - 2% to -5%, as the Darwin economy continues to struggle and excess stock for sale continues to weaken the local market.

Louis Christopher, Managing Director of SQM Research said, “The Sydney and Melbourne housing markets have recorded a sharp turnaround in the 2nd half of 2019 following on from the surprise result of the Federal Election, interest rate cuts, the loosening of credit restrictions and ongoing strong population growth rates. These factors are expected to drive the national housing market into 2020. In a close call, APRA is expected to not immediately intervene despite the strong price rises.

“However we have some misgivings on the sustainability of this new recovery. Sydney and Melbourne are rising from an overvalued point. Long term, our two largest housing markets look vulnerable and forever reliant on cheap credit. Housing debt, while falling compared to GDP over 2019, is still very high. Better value can definitely found elsewhere such as Perth and Brisbane”, said Christopher

SQM Research also anticipates an ongoing recovery in the Brisbane and Perth rental markets in 2020. While Sydney, will still likely record a fall in rents for the 3rd year running.

Christopher’s Housing Boom and Bust Report this year also has a full breakdown of every postcode in the country covering current market statistics and its postcode investor ratings. As a result of the improved international outlook and an existing recovering in mining investment, the city of Perth will finally record price rises next year after a prolonged housing downturn. The forecast is for Perth dwelling prices to rise between 3% to 6%. Brisbane will also benefit from the recovery in mining investment and should also record price rises in the order of 3% to 6%.

Darwin is the only city expected to record price declines. The forecast of for prices to fall between - 2% to -5%, as the Darwin economy continues to struggle and excess stock for sale continues to weaken the local market.

Louis Christopher, Managing Director of SQM Research said, “The Sydney and Melbourne housing markets have recorded a sharp turnaround in the 2nd half of 2019 following on from the surprise result of the Federal Election, interest rate cuts, the loosening of credit restrictions and ongoing strong population growth rates. These factors are expected to drive the national housing market into 2020. In a close call, APRA is expected to not immediately intervene despite the strong price rises.

“However we have some misgivings on the sustainability of this new recovery. Sydney and Melbourne are rising from an overvalued point. Long term, our two largest housing markets look vulnerable and forever reliant on cheap credit. Housing debt, while falling compared to GDP over 2019, is still very high. Better value can definitely found elsewhere such as Perth and Brisbane”, said Christopher

SQM Research also anticipates an ongoing recovery in the Brisbane and Perth rental markets in 2020. While Sydney, will still likely record a fall in rents for the 3rd year running.

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The RBA has released a snapshot of Key Economic Indicators - bit.ly/2QpxiY8

6 quick tips to help you add the most value to your home

6 quick tips to help you add the most value to your home: From garden landscaping to re-painting the interior, we’ve gathered 6 simple tips and tricks to show you how to add the most value to your home

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Things to consider when renovating a house: It’s important to plan ahead and look at things to consider when renovating a house to ensure the process runs smoothly and you’re happy with the process and the end result.

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What is the first home buyers grant?: During the 2019 federal election Prime Minister Scott Morrison announced a plan to support first home buyers. So, what is the first home buyers grant?

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Retail dead. Westpac cutting dividends and asking for more money at the same time. And “if” house prices are rising as fast as CoreLogic says it is, the RBA has failed to get the economy up and running via house price growth. Time for a new RBA Governor and a new strategy

Recovery trend in Melbourne overtook Sydney in October, with dwelling values surging 2.3% higher over the month; the largest month-on-month gain since November 2009.  Read more: ow.ly/5C8f50wYU2J

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