PROPOSED changes to stamp duty in NSW
Property is art
“The Cambridge dictionary defines art as:
“the making of objects, images, music etc..
that are beautiful or that express feelings”.
Let’s see some ‘Art’.
In the traditional sense of the word those masterpieces are Art.
In the world of real estate this might be regarded as Art.
But I think there’s so much more to Art than this.
Art can be ‘beautiful or express feelings’…
(Images of people living in their homes and living their lives)
There’s something we can’t see in property.
Much like the hidden meanings behind each masterpiece.
We can only feel it.
Our homes are our Art.
They represent who we are in so many ways.
From afar most properties look the same.
But when you look a little closer, you see the Art.
Everyone living their unique lives.
Day in day out.
That is Art to me.
That is property.”…
Reduce, reuse, recycle
“Hello and welcome back, I’m Dean Berman from Berman Buys.
This week I want to talk about the zero waste movement in our modern homes.
The goal is to reduce waste to zero.
Leading to less impact on the external environment.
In such areas as waste collection, storage, decomposition and pollution.
This is the continuous waste loop.
Reduce waste where possible such as limiting leftovers (mm it’s only 3 days old, eat some food!) or prolonging clothing useful life.
I have found this is probably the simplest way to start.
Just try and use what you have at your disposal and only buy new if you have too.
Due to Covid however, I have found due to online shopping the amount of soft plastics in our household has increased.
Reuse waste that can be reused such as hard plastics in creative ways like plant containers.
I have only touched the surface of this and plan to improve.
However, I’ve found milk cartons, glass jars and egg cartons make great plant holders.
The more we close the loop, the less waste gets out into the world.
Recycle waste that can be composted.
I have been composting food scraps for about 2-3 months now in a worm farm.
The total project cost $150+/- and I believe it’s one of the best investments.
It’s simple to manage as well with some internal composting bins.
We purchased ours from IKEA.
Once every few days emptying them into the worm farm.
Then feeding your plants the nutrient rich worm liquid seems to give them super powers.
Eventually harvesting the worm castings as plant food.
I find it fascinating how these scraps become useful for the worms and garden.
4. The continuous loop ends when waste leaves the internal household.
That’s when things can go wrong.
Impacting waterways, marine life, drinking water and greenhouse gases.
In summary I would highly recommend trying to reduce, reuse and recycle a go.
Enabling you to move ever so slightly closer to zero waste.
You may even enjoy it and save the planet in the process.”…
Property market versus Covid
“Hello and welcome back to weekly buying tips I’m Dean Berman from Berman Buys.
Today I want to discuss what’s been happening in the property market since the start of Covid around March 2020?
I would have thought by now there would have been a greater impact on the general property market.
I believe there are 4 key factors keeping the market relatively stable to this point.
1) Supply – during 2020 there has been low total listings around the country, resulting in low supply of properties to purchase. I often see markets where nothing comes to market for a few weeks. What do you think will happen when that next listings comes up…competition.
2) Lending – lending rates have gradually declined over 2020 to record low levels, making finance affordable. When finance is affordable, this makes buying a much easier choice as it can often be comparable or cheaper to renting.
3) Government incentives – particularly for first home buyers have kept demand and competition for available properties strong. This includes increased purchase prices to still gain government incentives and or purchasing new style options or building a brand new home.
4) Job keeper/seeker – these payments have helped many businesses keep many staff employed, enabling subsequent flow on spending in the economy. This flow on spending has helped many other businesses benefit through the multiplier effect.
I think there will be a portion of home owners who will need to sell over the coming months as financial hardship and deferment of mortgage repayments provided by the banks eases.
Also potential easing of job keeper and job seeker may potentially impact. I would think those markets most affected would have lower levels of savings rates and higher gearing levels.
In general though, over the last 8 months or so, I feel these 4 factors combined are in many ways beating Covid.”…