Finance advice

Why this investor encourages financial literacy among his kids

By Bianca Dabu
Financial literate

One of the reasons why Simon Grant started his property investment journey are his kids – he wanted to give them the option to continue living in Sydney despite the high prices of properties.

As early as now, Simon’s kids – one high school and one much younger – are well aware of their parents’ portfolio as well as their plans to make it bigger.

“They ask us about them, you know, why did we do that? And why did we purchase this? And what are you doing with this house? We’ve always had a policy of just being upfront with them,” he shared with Smart Property Investment.

I come from a generation where our parents said, ‘Pay your mortgage off and that’s it. Don’t do anything else.’ You never spoke about finances. It wasn’t discussed in the household around the kids. I don’t believe in that ethos.

While he was not given a chance to participate in the discussion of his family’s finances when he was a kid, Simon believes that the generation of his own children could benefit from having a broader knowledge about the proverbial “real world,” including a glimpse of the ever-changing landscape of property markets.

Through early financial literacy, he hopes to provide a better life for his kids, one where they could navigate their way through small to more complicated setbacks.

According to him: “I think that kids these days are getting smarter and they need to understand a bit more about what’s out in the real world, within limits. I don’t want them to be stressed about, ‘Oh gee! We can’t afford this or can we afford that.’ They want to have a good life. I want to give them a good life, but by the same token they know that we are doing this for a number of reasons.”

Simon ensures that while his kids know how to spend money on investments, they also know how to earn it.

“You know, a mortgage broker will come in and the kids will understand we are looking at this property or we are looking at that one. ‘Why are we doing this dad?’ [We say], ‘Oh, it’s down there and this is the reason and this is where we think it’s going to go.’ We haven’t taken too much to them yet. I will, as they get a bit older,” Simon said.

My oldest is in high school now so we’re having some fiscal discussions with them. They know how to earn their money.

My youngest is great at spending it all on lollies, and he blew a whole lot of his birthday money recently. He went, ‘I’ve got no money to buy anything with because I have just spent it on sugar,’ [I said], ‘That’s it mate.’ [He said], ‘Oh can I borrow?’ [But I said], ‘Nope, you’re not getting any money. You had it, you’ve lost it.

The doting father and proud property investor added: “It may be tough love but I think there is a time and a place to understand a bit. Each sort of chunk, each year they go through, I give them a bit more understanding of what money means and how it can work for you and how it can work against you.

Smart Property Investments Phil Tarrant agrees that children, young as they are, must understand that most things in life don’t come easily and that one must work hard to get what they want.

A good introduction of the “real world” from parents will help equip a child with the discipline and a sense of responsibility that will provide them a head start towards excellence.

Tune in to Simon Grants episode in The Smart Property Investment Show to find out how, through the help of a financial team, he was able to recognise a property lemon and get back on the road to success.

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podcast

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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AREAS MENTIONED: 

Hobart
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Perth
Brisbane
Shepparton
Cambridge Park
Geelong
Wollongong
Melbourne
Newcastle
Orange
Dubbo
Bathurst
Armidale
Bendigo
Cairns
Ipswich
Emerald
Port Hedland
Surfers Paradise

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-10 06:23:01" ["slug"]=> string(61) "18524:busting-perceptions-of-a-doom-and-gloom-property-market" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(81) "/investor-stories-1/18524-busting-perceptions-of-a-doom-and-gloom-property-market" }
Busting perceptions of a doom and gloom property market

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