Property Hub - Investment Insights & Inspiration - Property WEALTH (5/7) - L: Leverage

Episode Date: January 20, 2023

Even the smartest, most talented people reach the ceiling of their own limitations. So how do you break through your own barriers in property investment? You need to leverage your elite team and the resources available to you.  This is the fifth episode of the Property WEALTH series where Bushy Martin reveals his unique six stage Property Wealth Revolution of Growth. In this episode, we talk about 'Leverage' - the ability to use other people’s expertise and other people’s money, recognising that property investment is a game of finance in an elite team sport. Leverage is the concept that will have the most significant impact on your success in life generally and on achieving your ultimate lifestyle goals. But how do you do it right? Tune in. This series is essential listening for anyone who wants to find their Freedom Formula, and sustainably build wealth through property, so make sure you subscribe and share! Three easy ways to Get Invested right now: 1. Subscribe to this podcast now, if you haven’t already, and get the inspiration delivered to your podcast feed each week 2. Get a copy of my book, Get Invested, for FREE, and find out what it takes for you to invest in living more, working less. Go to: https://knowhowproperty.com.au/get-invested-free-ebook  3. Join the Get Invested community. Each month Bushy sends a free and exclusive monthly email full of practical ‘Self, Health and Wealth’ wisdom that our current Freedom Fighter subscribers can’t wait to get each month. Just visit bushymartin.com.au, scroll to the bottom of the page and sign up. About Get Invested, a Property Hub show Get Invested is the leading weekly podcast for Australians who want to learn how to unlock their full ‘self, health and wealth’ potential. Hosted by Bushy Martin, an award winning property investor, founder, author and media commentator who is recognised as one of Australia’s most trusted experts in property, investment and lifestyle, Get Invested reveals the secrets of the high performers who invest for success in every aspect of their lives and the world around them. Get Invested is part of the Property Hub podcast channel, your home for property investment insights, inspiration and stories from Australia’s top property experts, investors, leaders and analysts. Subscribe now on Apple Podcasts, Spotifyand Google Podcasts to get every Get Invested episode each week for free, and also get full access to RealtyTalk, Australia’s top online property show for red hot property investing news and insights direct from property industry leaders and influencers. Property Hub is a collaboration between Bushy Martin from KnowHow Property, Kevin Turner from Realty, show producer Andrew Montesi from Apiro Marketing and Apiro Media, and Australia’s largest independent podcast network DM Media.  For business and partnership enquiries, send an email to: [e-mail] omnystudio.com/listener for privacy information.

Welcome to Get Invested, the leading weekly podcast to help you unlock your full potential and enjoy your version of sustainable success that lies at the intersection of your three elves, yourself, your health, and your wealth. I'm your host and guide, Bushy Martin, and each week we go deep, sharing great conversations with proven experts in all walks of life, including the best investors, property experts, analysts, leaders, founders, sports stars, and health gurus to uncover their secret know-how on where they invest their time, their skills, and their money, and the benefits that this creates. To help you find out what it takes to break free from the grind and discover your flavor of freedom

to create your freedom formula. You see, the truth is that everyone invests. Every second of every minute of every day, we're investing our time, our skills, our energy, and our money in something. Some of us are investing consciously, some unconsciously, sometimes for good, sometimes for bad, and sometimes for no impact. Get Invested will help you start living by design, not by default. I'm going to help you to make it happen, not let it happen. You'll hear the top tips on how you can live with conscious intent so that you can live more, work less, and live your legacy by investing now. You'll enjoy the stories and secrets of high performers who invest for success in every aspect of their lives and discover the top tips on how

to get started, how to make the most of your investment journey, and ultimately, to be living your dream, not someone else's. As you engage in each episode, you'll glean the information, inspiration, and implementation that you need to get empowered and get invested in imagining and actioning the life that you've always dreamed about. And Get Invested is proudly part of Property Hub, your home for property investment insights and inspiration. Make sure you subscribe now on your favourite podcast player to get every episode of Get Invested and Realty Talk,

which is Australia's leading and longest running online property show that's full of red-hot property investment news and insights direct from all of the industry leaders and influencers. You can also connect with me personally and join the Get Invested community of fellow Freedom Fighters at bushymartin.com.au or on knowhowproperty.com.au. Now, let's get invested. Hi Freedom Fighters, what's the best way to invest? Do you go it alone and try and reinvent the wheel yourself? Or do you engage professionals to help you?

And if you need others to help you as part of your elite property team, who do you need to help you and when in order to invest safely and successfully in property? Welcome back to session five of your Freedom Formula, where we're going to help you answer these questions under the alpha leverage stage of your property wealth revolution. Leverage is one of the three most important wealth care ingredients in sustainable success, which revolves around the concept of giving yourself lots of regular doses of TLC where giving yourself plenty of tender loving care translates into the synergistic exponential chemistry that combines time, leverage and compounding. So in this sense TLC breaks down

into tea for time which is about taking the time now to invest in and use the time you've got in order to get your time back, and by embracing time as your friend, not your enemy. This means respecting and returning to the laws of nature, where you need to sow, cultivate to grow through the seasons, and then finally harvest your investment fruit long term. Then comes today's focus on the L for leverage in TLC, which is about using other people's expertise and other people's money in recognition that property investment is both a game of finance and an elite team sport. And then the C in TLC is for compounding growth, utilising the universal law of compounding returns to snowball exponential investment growth long term. Now, I strongly believe that leverage is

the concept that will have the most significant impact on your success in any area of your life and on achieving your ultimate lifestyle goals. As Robert Kiyosaki of Rich Dad Poor Dad fame is famous for saying, leverage simply means the ability to do more with less. Leverage allows you to amplify and multiply the results of your efforts by utilising additional resources, using less of your resources and more of someone else's. In investment terms, this means extending your reach

and amplifying your results to become more effective more quickly by using other people's resources in terms of money, expertise, and time. It's what my wife and I affectionately call OPM3, which is other people's money, other people's mastery, and other people's means. Now, we've already discussed the multiplier benefit of using other people's money through bank investment loan lending to ratchet up your initial asset worth growth back in Freedom Formula Session 3 when we unpack your bare facts. Of parallel importance is the necessity to leverage other people's expertise and time to optimise and fast-track your results. And this applies to anything in life. Essentially, the degree and speed of your success in any area of your life

is going to be largely determined by your ability to build long-term trusting relationships and create and lead collaborative synergistic teams built on mutual respect focused on the achievement of common goals. To cite a relevant quote, when I is replaced with we, illness becomes wellness. So the leverage stage of the property wealth clock revolution is the process where you and your specialist team, a la your property doctors, have completed your initial prescription and you're ready to implement your investment treatment. If you've been following the previous Freedom Formula sessions of the W, E and A of the Sixth Stage Wealth Revolution, you're already clear on how you want to live, you know how much this lifestyle costs,

you've calculated your freedom numbers to determine how much property you need to invest in now to bridge the gap between where you are and where you want to be. You've worked through your bare facts to determine how much property you're actually able to acquire and how much it will cost you to hold. And you've crafted your personal wealth by stealth income replacement investment strategy to make it all happen. As a result, you've effectively created your property investment brief that details what value of property you can comfortably afford, and you know what type of property you needed to secure to achieve all this. So now you know what you need to do but who do you need to help you and how to make this all happen? Well unless you're a multi-skilled

multitasking DIY genius this is where your alpha leverage stage comes into play where I reinforce that leverage is about leveraging other people's money via the banks but as importantly leveraging other people's expertise, a la your elite property team. So let me ask you a question. If you needed surgery to remove a life-threatening brain tumour, would you race over to Bunnings and grab a scalpel, some methyl and some cotton wool and have a crack at yourself in front of a bathroom mirror? Well, my guess is probably not. You'd want the best brain surgeon, plus their team of supporting specialists, to perform the operation in a very tightly controlled environment where everyone focuses on their area of expertise and combines to produce a great team result.

Well, property investing is no different. Yet, time and time again, I see investors try and do it all themselves because they don't know who to trust, or they mistakenly think that because they live in a home, then they're automatically a property expert. This is probably why so many first-time and part-time investors buy cheap investment property in their local neighbourhood, or worse still, they'd buy a holiday house that they think constitutes an investment property. When they realise that in two to five years that the properties are costing them a bomb

and are creating a lot of time-consuming stressful headaches, they bail out prematurely, never to invest in property again. Like most endeavours, anyone can invest in property, but it's only the 5%ers that do it properly. The problem here, as I found out from bitter and expensive experience when I first started investing is that you just don't know what you don't know. And you can be making very big, costly mistakes without even realising you're making them. I've learnt the hard way that sustainable success in property is definitely an elite team sport. And you're not

even a player. I mean, using an AFL sporting analogy, if you personally donned your favourite Guernsey and went up against the best opposition players in the league, how would you go? Unfortunately, you're not likely to do well. On a similar personal note, I'm also a mad keen diehard field hockey player who's managed to last over 50 years to play over 800 games and have been lucky enough to win a bunch of premierships along the way. And this resilience and success is built around the strength of our team combination and our camaraderie, not on any individual's contribution.

So right side forever, Smitty. Now, excuse me for my indulgence there, as I digress in doing a personal shout out to one of my long-term teammates and buddies. If you're a time poor and you've got a very busy career in life, you simply don't have the time or expertise to invest in property properly.

Investing successfully isn't about creating a second job. It's about decreasing your work, not complicating it further. If you tried to get me to do your job, I wouldn't know where to start and I'd more than likely stuff it up. So why try to do this when you invest in property, when you're putting hundreds of thousands

of your hard-earned dollars at risk? Your limited and valuable time is going to be much better spent by becoming the owner and manager of your specialist independent property team with the best available players in each and every position that are all playing to your game strategy in order to kick more of your lifestyle goals.

You just need to manage your managers so that you can devote your precious spare time to spending it with your family and friends and enjoying life while your investments grow by remote control. Using a similar analogy, you just need to craft your life symphony and music score, then become the orchestra leader or find someone independent to be your orchestra leader, and then assemble the best instruments with the best musicians to perform and deliver your life symphony. and the emphasis here is on totally unrelated independent specialists. Now I'm not a fan of one-stop shops where all of the experts are in-house. The problem here is that there's just no checks and balances in the process to ensure that everyone is focusing on satisfying and satisfying your best interests, not theirs or someone else's. And differences of opinion and robust discussions between different specialists are actually very healthy because out of these differences, you'll be able to decide what feels best for you. So who needs to be involved when and

how to optimise your outcomes? Being successful in achieving any major long-term goal requires a dedicated team of proven independent professional specialists and, as I repeatedly reinforce, successful property investment is an elite team sport. And as with any elite high-performing team, you need a team manager, coaches and proven players who combine well with a common game plan and an intimate understanding and appreciation of each other's unique roles, their strengths and game tactics. The old analogy of having a champion team rather than a team of champions rings very true here. As a time poor hard worker to be successful within this team you just need to be the team owner not the captain coach or player. Your only

job is to engage and manage the team manager and the head coaches. They then need to develop your winning strategy and engage, train and manage the on-field tactics and performance of the other required players, keeping you informed and in control of how it's all going. But before we unpack who and how to engage a high-performing team, let's talk about what you shouldn't do. Firstly, don't engage a family member, a friend or a friend of a friend. You need a specialist who you can actually have hard conversation with, not a generous member of the family who knows just enough to be dangerous.

Situations such as this can quickly become difficult and having to talk tough can put your relationship at risk. Secondly, don't choose someone because their office is close to you. Expertise is not proximity-based and you need the best, not the nearest. Thirdly, don't select someone based on brand or having a flash expensive and or large office.

You'll end up paying for it and, again, you're looking for professionalism, not prestige. You may be widened and dimed by the head honchos initially and then be handballed to the backroom junior burgers to do your work. So ignore the brand and focus on the actual person who's going to be looking out to you. In a similar vein, don't reject someone

because they don't have a flash office. choose on ability and affability not accommodation. My younger brother Bushy Jr. accepted a great job many years ago from someone who interviewed him and the interviewer was adorned in old cracked shoes and faded jeans while he chomped on a banana and that job has totally transformed his life right through to the current day and the interviewer was none other than Jerry Harvey of Harvey Norman fame. So don't judge a book by its cover. Fourthly, don't focus on cost rather than value.

Remember, you don't get what you don't pay for. The lowest cost often ends up being the most costly. Paying a little bit more to get a much superior result through extra smarts that save or make you thousands is a small price to pay. Don't be penny wise and pound foolish, because as Benjamin Franklin was famous for saying, the bitterness of poor quality remains long after the sweetness of low price is forgotten. And as the American all-world firefighter Red Astaire once said,

if you think it's expensive to hire a professional to do the job, wait until you hire an amateur. So don't let that amateur be you. if you try and do it all yourself or attempt to invest on the cheap and dirty you've not only bought yourself a second job but you've put your assets for the highest value and the highest risk in the hands of someone who generally doesn't have the expertise or the time to do the job properly and that's yourself so good luck with that the key here is to engage the best of the best in each and every area because there's a lot of very average players and performers in all industries, and it's generally the top 5% in any occupation that are head and

shoulders above the rest. So how do you separate the best from the rest? Now, I don't have the time to go into detail on this right now, but anyone you engage as part of your team needs to be very good and experienced at what they do. They need to demonstrate that they're actually active investors themselves, and they've done all they're doing themselves, what they suggest that you need to do and you need to like and respect them personally because successful investment is very much like a long-term marriage. And don't just take their word for it. Talk to some of their past and current clients to get the real good, bad and ugly about them and what they do. If you want a detailed list of the questions you need to ask potential members of your team, then I break this

down in Chapter 7 of my book, The Freedom Formula, under the five T's in trust tenants, which are talent, tangibles, trade, tax and touch. So what's the makeup of your ideal high-performing property investment team? Of course, the team all starts with you as the team owner. And as I've already indicated, as the owner of your high-performing property team, your only role is to engage and manage your managers and then monitor the performance and profitability of your portfolio. So let's look at what everybody else should be doing. And let's start with your head coach or your team leader. Your team manager should be an independent property investment advisor or property strategist. Now, chances are you've probably never heard of or let alone met

or used such a person. These professionals form a relatively new but growing field of experts experts who've arisen in recent years to fill a large void for investors that is independent trusted advisors who help create clarity and confidence in what to do in property investment and help to coordinate the input of others to make it all happen safely easily and affordably they provide you with property investment smarts and act as your independent expert brain ears eyes and voice on your investment trajectory and then they facilitate the arms and legs of all the other required property players to turn your vision into reality. Now I'm proud to call myself a specialist property investment strategist and to find others the best place to look is via the Property

Investment Professionals of Australia or PIPA which you can find at pipa.asn.au A good property investment strategist will help you get clarity and comfort as well as facilitate and oversee all of the property wealth stages from go to woe that I'm going through in this Freedom Formula series. They'll also crunch the numbers right down to detailed property investment analysis and feasibilities in terms of how much an investment property is likely to actually cost you per week in years 1, 2, 3, 5, 10 and beyond. And once your team leader is in place, you can then go about locking in the other members of your elite property team, or what we like to call your silver circle. So next on your list are your master coaches. To round out your overall holistic

and integrated investment strategy, you and your independent property strategist need to work with three other key professionals. These are your accountant, investment finance specialist, and financial planner and together they make up what we call your golden triangle. So let's dig into these. Starting with an accountant. Now you need to find an accountant who invests in property so they can assist in advising you on the most appropriate property ownership structures whether that be in individual names, tenant in common splits, trust whether discretionary or unit, companies, or self-managed super funds. An accountant who knows about property investment can also advise you on tax considerations and depreciation impacts. You need to be wary of

everyday tax accountants who may be very good at doing a simple tax return, but are unlikely to understand all of the nuances of the multitude of property investment tax rulings, which may end up costing you thousands of dollars. Next in your property investment team is your investment finance specialist. And I'm not talking here about someone who works for a bank or your average mortgage broker. Property is a game of finance. So if you're investing in property, some fundamental and critical finance structuring and strategy considerations can make or break the success of your property portfolio if not understood properly right from the start. And don't underestimate the importance of this. I've seen a lot of very sorry investors who've paid the price

of going straight to the bank or a low-rate loan broker who just don't understand the nuances of property investment finance. I can't overemphasise the importance of this very critical input. make sure you're dealing with an investment savvy finance broker who invests in property themselves it will likely save you thousands reduce risk considerably and help you sleep much more comfortably at night an expert investment savvy finance broker will determine your capacity in terms of borrowings equity and property purchase price points they'll structure your finances to minimize risk and limit exposure of your family home they'll save you tens of thousands of dollars in loan repayments. They'll help you use your property portfolio to pay off your non-deductible

home loan years earlier, and they'll know which bank or lender is best suited to you achieving your goals, given the enormous variation in lending policies across the more than 40 lenders and over 2,000 different loan solutions available. Apples are definitely not apples when it comes to a massive variation in what banks will and won't do. The final member of your golden triangle is a good property aware financial planner who's an important part of your strategy team in terms of risk protection insurances to ensure that your assets are protected in the advent of unforeseen circumstances. Also diversified investment planning to avoid having all of your eggs in one basket by incorporating a spread of wealth creation investments across asset types

such as equities, cash and superannuation at the appropriate time. And the critical transition to retirement or liberate and remunerate stop work phase, where they help in converting your property and other nest egg assets into tax-effective ongoing income streams post-retirement. Again, you need to tread very carefully here

because many financial planners don't support property as part of their preferred investment portfolios. So ensure you select a financial planner who invests in property personally and adopts a balanced asset approach to your overall investment strategy. Now these are hard to find and many financial planners will actively try to talk you out of property and into equities or other investment classes because they're actually not licensed to advise on property and they don't get paid for property. You also need to ensure that your financial planner is paid based on a fee-for-service model and not taking undisclosed

commissions from insurance, superannuation and other financial product providers. Also make sure that the financial planner has their own financial services license and is independent of the major financial institutions so they don't have an obligation to refer you to their host providers because this severely limits the objective and transparent choice quality and performance of financial products. And of course, it increases the cost to you. Now, once your golden triangle is in place and your immediate medium and long-term strategy has been well-defined, it's time to assemble your on-field property delivery team. And your on-field property team consists of your team captain, which is your buyer's agent if you're

securing existing property, or if you're building, your project manager, along with your on-field property delivery team. If you're buying an existing property, don't make the costly mistake of buying the property yourself. You'll likely be buying a property on the open market and talking with selling agents who are engaged by the existing property owner to get the best price for the property. These selling agents are also paid commission based on the purchase price, so they've got a vested interest in pushing the buy price up as high as possible. In this situation, having a local area expert buyer's agent with access to leading-edge data research support on your team is absolutely paramount. When considering existing property, keep in mind the old industry maxim

that you make your money when you buy, not when you sell. Buyer's agents are engaged and paid by you to get you the best property in the best location at the best price to suit your strategy and your affordability. They're your expert property selection eyes, ears, arms and legs and their fees will be more than compensated by the considerable savings that they can achieve for you. Buyer's agents who specialise in investment provide you with three key advantages. Firstly, access to off-market or pre-market purchases, for example properties that haven't yet been advertised, although you need to be careful here because this can also be a two-edged soar. Secondly, they give you time savings. And thirdly, and most importantly, they have

familiarity with growth areas in terms of which properties rent well and which don't, across market trends and fluctuating growth rates. In addition to this, a good buyer's agent is an experienced negotiator, which can actually save you thousands. And they have good familiarity with all real estate agents and others. So they can assist you in identifying the good, the bad, and the ugly of who you're dealing with to sort the wheat from the chaff. Now, I really need to emphasise here that you need a really good buyer's agent because there's a lot of Johnny-come-lately buyer's agents who have joined the industry in recent times,

and while they talk a big game and bury you with kilos of glossy desktop information to convince you on what you should buy, but many of them have very little boots-on-the-ground intimate local knowledge and familiarity with an area because they've never been there and they're often not good negotiators and at times are often in cahoots and are an extension of seller's agents who use them to quickly offload average properties under the guise of being exclusive off-market properties. So you need to break through the smoke and mirrors of this and get a really good independent buyer's agent with proven skills in national and local research,

selection and negotiation. If you're looking for assistance in how to find really good buyers agents, feel free to email me on bushy at knowhowproperty.com.au and we'll email you a copy of the detailed list of questions to ask of buyers agents that we use when we interview and select potential buyers agents. Similar approaches need to be adopted in securing an independent project manager if you're building in conjunction with a surveyor, builder and independent building inspector. So if you're looking for assistance with this, I give a detailed breakdown in chapter seven of the Freedom Formula book. Returning to the existing property front, in addition to a buyer's agent, you'll need a good conveyancer to review purchase contracts and facilitate settlement

and an independent building and pest inspector to confirm the condition of a property, a quantity surveyor to prepare a tax depreciation schedule, and most importantly, a really good manager who will drive and facilitate your post-game support team. Now, a really good local independent property manager is worth their weight in gold and are one of your most important team members as they'll make or break both your property purchase as well as the enjoyment or otherwise of your ongoing property journey as they actually have the longest relationship with you and the property of anyone in the property investment process. So we rely on good independent property managers that are part of dedicated property management only businesses, as opposed

to property management teams that are poor under-resourced cousins of real estate sales officers. And we like to get them involved up front and early as part of an additional layer of due diligence to provide independent local assessments of properties identified by buyers agents, to provide intimate local knowledge on the perceptions of areas and how properties compared to others in the area in terms of both rentability and future resale. Unfortunately, the importance of property managers is often overlooked, as good property managers tell you how it is and not what you want to hear, as they're actually likely to inherit any issues with the property if they then end up managing them. And post-settlement, the quality of your

property management will make or break your investment property experience. A really good property manager can make owning a property a breeze, whereas an average property manager can turn the process into a financial and stressful disaster. And don't fool yourself into thinking that you can do this on your own, because residential tenancy law has become much more litigious and demanding in recent years, and the small amount you may think you're saving by doing it yourself will be blown out of the water the first time you have a major issue. And on this score, it's not a matter of if, but just a matter of when this is going to occur. So when engaging your local property management specialist, your focus should not be about their

rate because you need to focus on their reliability. Don't get caught up on arguing the toss between a really good property manager who might charge you up to 11% fees versus an average operator who charges the standard 6% to 8.8%. In most cases, the difference between the two amounts to the cost of a cup of coffee a week. And if you're prepared to put your most valuable asset at risk for the cost of the coffee, then you probably shouldn't be investing in property at all. Now, if you're looking for the lowdown on exactly what to look for when it comes to each and every one of these independent property team specialists, then I'll break it down chapter and verse for you in my book, The Freedom Formula. And this brings us to the close of your elf

leverage stage of your property wealth revolution. The take-homes here are firstly, that successful property investment is a specialist elite team sport, not a part-time half-baked DIY project. Secondly, you are your property portfolio team owner, supported by independent professional property experts in the form of a team manager, coaches and proven players who combine well with your common game plan and an intimate understanding and appreciation of each other's unique roles, their strengths and game tactics. You're not a property player. Your role is to manage your managers. Thirdly, that every member of your property teams needs to be independent of each other. Fourthly, successful specialist property investment team planning engagement involves

getting the best of the best in terms of a property investment strategist, an investment savvy finance broker, a property specialist accountant, a financial planner, a buyer's agent for an existing property, or a project manager if you're building, a conveyancer, a building and pest inspector, a quantity surveyor, and last but definitely not least, a really good property manager. And finally, property is a game of finance, so focus on the numbers. The property is just the vehicle to help you achieve financial and lifestyle goals. Your investment properties are just money boxes in the shape of a house. So build the entire worst case property performance scenario on paper first,

because the property is actually the last thing that you need to look at. Now, now that you've completed your W, E, A and L stages of your property wealth revolution, you're now clear on where you're heading what you need to do and what you can do you've painted out your investment strategy and property brief and you've assembled your expert property team so you're finally ready to start looking at property which is what we're actually going to delve into in the next tea for treatment stage of your property wealth revolution that's more food for thought and stay tuned for the next installment of your freedom formula here on your property hubs get invested

thanks for getting invested now here's three easy ways you can take action to start making it happen to ensure you build momentum and start living by design not default so that you're following your freedom formula firstly subscribe to this podcast if you haven't already and keep the weekly inspiration coming secondly get a copy of my book get invested for free and find out what it takes for you to invest in living more and working less. Just visit bushymartin.com.au forward slash books or knowhowproperty.com.au or click on the links in the show notes. And thirdly, join me and the Get Invested community. Each month I send a free and exclusive email full of practical self-help and wealth wisdom that our current Freedom Fighter subscribers can't wait to get. Just

visit bushymartin.com.au, scroll to the bottom of the page and sign up. And there you have it. In three easy steps, you're on your way to dusting off your forgotten dreams and making them a reality. Get Invested is proudly part of the Property Hub, your home for property investment insights and inspiration. When you subscribe to the show, you get all of your Get Invested episodes, along with Realty Talk, Australia's longest running and leading online property show for red-hot property investing news and insights, direct from all of the industry leaders and influencers. And finally, feel free to connect with me

on Twitter, Facebook and LinkedIn as I'd love to hear your feedback, your inspiration, your ideas and your questions and queries anytime. Thanks for listening. Hear you next week. And as always, dream as if you'll live forever and live as if the day's your last.

Thank you.