Getting creative with the rules of finance

The big 4 banks would have you believe that they are the one stop shop for all your lending needs. They’ll tell you that they are “reputable” and other lenders are not (they won’t say it out loud but they will imply it)Truth is that there are heaps of lenders out there. Second, third tier lenders and even private lenders could be used to get you into the deal you want. It all comes down to deciding what is going to work best in the …

Roman warnings about your profit expectations

  When you start a business there are a lot of expenses. If you have offices or a shopfront there will be a fitout. There’s stock to buy, maybe staff to pay and legal and insurances which you need to get in place before you can even open the doors. All of that adds up to a big outlay up front before you’ve even made a single brass razoo. People generally know this and it’s not uncommon to factor into a business plan that the …

Where people lose focus

  I wanted to share something that I believe holds a lot of people back from achieving more. It’s to do with where you focus… And one thing you may be forgetting to focus on. Your first instinct might be to say “Nah-James that doesn’t happen for me”, but you’d be surprised how often I see this one thing come up fro people in all kinds of subtle and covertly unconscious ways. Happens to me all the time. It’s this: The feeling that because someone …

How long can you sit around doing not much?

When I moved up to Byron Bay many years ago I wasn’t actually moving here. I’d bought a property that was a bit of a fixer-upper and I just came up here to renovate the place. I just never left. I did renovate the place – but I also fell in love with Byron Bay and decided to stay. At the time I’d already created enough passive income to live on so there were no worries there, but I didn’t have any specific purpose for …