REA Academy Magazine April 2019

Magazine - April 2019

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Welcome to

Since the day Karan Sharma turned 18, he read an abundance of real estate investment books as he had a great aspiration to be a millionaire. After reading a steady stream of success stories, he decided to wander down the path of property to achieve his dream.

In 2008, Karan purchased his first property in Australia and has been actively buying and selling since.

“Real estate is, in my opinion, a safe investment as everyone works to earn food and shelter,” he says.

“Therefore, investing in property was an ideal way for me to achieve both cash flow and capital growth.”

Karan’s current portfolio is roughly worth $4m ($4.8m including overseas) and, if he was to go and sell tomorrow, his bank loans would be $2.7m. However, at present, the net cash flow a year is positive at $6,000 ($11,000 including overseas).

Raised in a middle class family, and with a father who worked as a banker, Karan was always told about the real estate opportunities his father had missed out on.

With his father’s regrets in mind, Karan went on to do well in school and obtained a bachelor’s degree in business, majoring in accounting and finance, from the University of Western Sydney.

“To learn more about the real estate market, I studied for the full real estate licence,” he says.

“My childhood was really basic, and this always motivated me to be rich so my kids can enjoy a lavish lifestyle when they grow up. While I don’t have any children yet, I am confident in my strategy of setting up a successful portfolio before settling down and getting married.”

Looking abroad

Living in Australia, Karan decided to kick-start his portfolio in a market close to home, but once he began to accumulate decent equity in India he decided to invest in Australia and India both and take advantage of the rapid growth both the markets were experiencing.

“I believe in the numbers game – the more you buy, the more growth you can make per investment,” he says.

“These opportunities came up via a network of Indian investors I knew here in Sydney so I decided to give it a crack. Networking has definitely been a positive influence on my decisions.”

With experience in both markets, Karan has deemed Australia as the much safer country to invest in due to the highly regulated legal system.

“Builders, developers and real estate agents are monitored constantly, so I definitely feel safer buying in Australia,” he says.

“But that doesn’t stop me from investing small and short-term in overseas markets. The builders in India often take longer than promised to finish a project, but in my case it worked as a blessing in disguise, as it gave me 2 more time to pay off the property without borrowing from the banks.”

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PAIG Accounting Building Buyers Agent Development Financial Planning Financial Immigration Insurance Legal Property Management Property Recue Valuation PAIG Academy PAIG Technologies

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What we do: Pro-Active Investment Group can help you with a complete solution for Accounting Work required in Real Estate Investments. At PAIG, we offer a wide range of services including professional, property and real estate to simpler services such as a standard tax return which makes your job easier.

What we offer: PAIG offers a one stop shop for all your accounting needs. We offer a diverse range of solution catering specifically to your needs, listed below for you: •Company Set Up •Standard Tax Return •Standard Tax Return for 1 or 2 Investment Properties •Business Tax Return for company •BAS per quarter •Super Fund Set Up + Company set up as trustee •Moving the Super Fund + Set Up + Set Up of Bare Trust •Depreciation Schedule for Each Investment Property Why choose us?

At PAIG, we offer a diverse range of expert advice from every industry to provide for your every need. Our team put together has over 5 years of industry experience ensuring peace of mind when turning to us for your accounting services.We personalise our services specifically to meet the needs of every customer ensuring a responsive, hands-on and tailored approach for you.

100 Harris St, NSW2009 karan@paig.com.au www.paig.com.au

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What we do: PAIG Building Services is a complete hassle free journey into building your new home. We offer the best building services around and cater to many different walks of life and our delivery service is extremely unique to new home buyers The PAIG Building Services website will be soon selling building materials online to builders using a group buying system and importing materials directly from China.

What we offer: •Research •Acquisition and purchase •Market Analytics •Supervision •Consultancy •Management •PAIG Hub •PAIG Building Services App Why choose us?

PAIG offers a competitive Fixed Price Guarantee and ensures that the price will not change. Our panel of builders as well as our business to business partners are all certified members of the Housing Industry Association (HIA) or the Masters Builders Association (MBA) so you can rest assured that you will receive a home that is built to the highest standard as well as a home warranty guarantee.

100 Harris St, NSW2009 karan@paig.com.au www.paig.com.au

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$628,700

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What we do: PAIG Building Services is a complete hassle free journey into building your new home. We offer the best building services around and cater to many different walks of life and our delivery service is extremely unique to new home buyers The PAIG Building Services website will be soon selling building materials online to builders using a group buying system and importing materials directly from China.

What we offer: •Research •Acquisition and purchase •Market Analytics •Supervision •Consultancy •Management •PAIG Hub •PAIG Building Services App Why choose us?

PAIG offers a competitive Fixed Price Guarantee and ensures that the price will not change. Our panel of builders as well as our business to business partners are all certified members of the Housing Industry Association (HIA) or the Masters Builders Association (MBA) so you can rest assured that you will receive a home that is built to the highest standard as well as a home warranty guarantee.

100 Harris St, NSW2009 karan@paig.com.au www.paig.com.au

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What we do: At PAIG, our development services cater to a wide range of services catering to adding value to your land. When you decide to join PAIG for your development services We offer a complete, end-to-end solution for all of your development needs, from architects to engineers and we offer a wide-range of tailored services done by our expert representatives What we Offer: •Structural engineering •Geotechnical engineering •Environmental engineering •Bushfire threat assessment •Civil engineering •Landscape architects/designers •Hydraulic services Why choose us?

PAIG offers a wide range of services to cater towards specifically helping our clients in their pursuits with their property. Our team offers personalised service tailoring our experience to meeting the needs of our clients. We have a wide range of business to business partners that are able to assist you in your needs in the event our in-house team is unable to.

100 Harris St, NSW2009 karan@paig.com.au www.paig.com.au

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What we do: PAIG offers the complete solution for your financial planning work that is required in real estate investments. Here at Pro-Active Investment Group, we recognise that achieving financial goals is complex and we can help simplify the process to try and provide you with the knowledge of being able to protect yourself from the We recognise that achieving your financial goals can be complex, as is the knowledge to be able to protect yourself against potential unknowns that may arise.

What we offer: •Specialised Financial Planning Advice •SMSF specific advice •Personal Risk Insurance •Business Risk Insurance •Holistic Financial Planning Advice •Superannuation and SMSF •Wealth Creation and Investment •Retirement Planning •Estate Planning •Social Security •Personal Risk Insurance Why Choose us?

The Pro-Active Investment Group specialists always uphold the interests of our clients when we deliver advice on financial planning engagements. Our specialists cater to your needs to the highest standard to ensure trust and professionalism with you. We tailor our services so that we are able to provide a comprehensive service including personalised advice and strategies that service to build wealth and manage risk, while holding ourselves to the highest professional standards throughout the process.

100 Harris St, NSW2009 karan@paig.com.au www.paig.com.au

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What we do: The Pro-Active Investment Group offers a team of finance professionals who are passionate about seeing you achieve your financial goals sooner. We provide personalised guidance to both corporates and personal individuals. We offer all types of loans from car to personal to bad credit loans.

What we offer: PAIG offers a free consultation on a home loan directly with the bank of your choice, under our panel and then the banks provide you with the following: •Borrowing capacity •Repayments •Featured Lowest Interest Rates •Recently Sold Properties Furthermore, if you have been declined for a loan, we’ll take a look at your situation and a copy of your credit report to find out why. We are then able to provide you with various options that could help you get your loan approved which may include removing black marks from your credit report.

Why Choose us?

PAIG has links with the majority of the lenders in Australia including the big banks. We use our relationship with these lenders process your application and get your loans approved. Some of the lenders we use are listed below: 1.Commonwealth Bank 2.Suncorp Bank 3.NAB 4.Bankwest 5.ANZ Commercial 6.Bendigo Bank 7.IMB Bank 8.Liberty Finance 9.NWC Finance 10.Chifley Securities Our professionals are knowledgeable, reliable and responsible, taking the time to understand the needs of the client and their goals to ensure that strategy they choose will maximise their financial potential and help them take the most appropriate strategy for their stage of life and their financial objectives. One of our representatives will take the time to educate the client

100 Harris St, NSW2009 karan@paig.com.au www.paig.com.au

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What we do: PAIG Immigration services offers advice and application services to our clients. PAIG Immigration services is the right destination for all your immigration needs. We will provide custom advice as per your needs and further provide professional guidance at every step of your application process.

What we offer: PAIG offers immigration in all types of visas services including: •Skilled Migration •State Sponsorship •Skill Assessment •Work Visas •Student Visas •Spouse Visa •Parent Visas •Visitor Visas Why choose us?

Here at PAIG, we know we will be able to help with all your immigration needs due to our expertise and experience. We ensure all client information will be handled with care by our professional staff.

All information about your case will be kept confidential. We will respond to your immigration needs with speed and accuracy as is needed.

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100 Harris St, NSW2009 karan@paig.com.au www.paig.com.au

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What we do: PAIG understands the need for protection, peace of mind and security and that is why PAIG Insurance Services is dedicated to ensuring that everything that is important to you is secure, whether that be your home, car, travel and even life insurance.

PAIG Insurance Services partner with our clients to inform and educate with the ultimate goal of saving you money on insurance whilst providing you with an adequate level of cover.

We personalise our approach to your needs so you can be sure that we understand what is right for you.

We know that cost is a consideration so we have secured deals with insurance providers all across Australia and PAIG now has set eyes on reducing insurance premiums for our members.

What we offer: •Commercial Insurance •Personal Insurance •Liability Insurance •Construction •Engineering •Marine Cargo

Why choose us?

Unlike any other insurance provider, we canvas the market to find you the lowest premiums without compromising your level of cover. We do this by partnering with industry experts to provide our group with an affordable level of cover.When it comes to claims, we handle all aspect of the claim for the group, and ensure a straightforward experience when putting through with a claim

100 Harris St, NSW2009 karan@paig.com.au www.paig.com.au

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What we do: PAIG offers a full range of legal services designed to make your journey into property easier. PAIG has a team of qualified lawyers who are experienced in providing expert legal advice and high quality service. Our team is able to guide you through the process of purchasing and selling the ownership of a property, including all types of residential and commercial properties, including off the plan apartments and house and land packages.

What we offer: •Existing vacant land/house •Existing unit •Unregistered land •House and land package •Off the plan unit Why choose us?

With PAIG, we have high levels of service and can give you the best quality customer service. We are confident in our ability to make sure this process is stress-free for you and we will help you all the way till settlement.

Our job is made easier and faster thanks to our software platform that is completely unique to us known as PAIG Hub. This innovative platform enables us to coordinate all the parties involved in the property including solicitors, agents and brokers which will allow a smoother and more streamlined process.

100 Harris St, NSW2009 karan@paig.com.au www.paig.com.au

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What we do: The team at PAIG are able to combine the personal service with many years of experience to help you be able to manage your property without any stress or anxiety.

What we offer: The Pro-Active Investment Group handles all types of property management including: •Collecting Rent •Maintenance including property renovation and refurbishment •Repair issues •Payment of your property expenses •Responding to tenant complaints •Evictions

Why choose us?

The team at PAIG are able to manage every part of your property from rentals to evictions making the process stress and hassle free. This saves you time and worry as your property is handled by one of our reliable team members to ensure that you get a service that is specific to your property. There will be a dedicated property manager that handles your property and conducts regular inspections to ensure that everything in your property is as it should be. This guarantees no legal issues and minimises the risk by letting managers handle the property.

We also offer lower fees than any other company, 5% property management fees (including GST) with no hidden costs.

100 Harris St, NSW2009 karan@paig.com.au www.paig.com.au 22

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What we do: If you are in serious financial trouble and need to sell your home, PAIG offers our property rescue services that allows us to take the stress off your back. We are able to assess your situation and discuss the options that are available to you.

What we offer: •Find you investors who are approved with finances to buy your property •Organise short term funding •Rescue your deposits from builders and developers Why choose us?

PAIG ensures that we will help you find the right solution for your property. We do not worry about your financial situation or the reason for your selling your home but we, however, treat you with the personalised service that you deserve in the time of stress and anxiety. We engage you in every part of the process, ensuring a customised experience that gives you peace of mind.

100 Harris St, NSW2009 karan@paig.com.au www.paig.com.au

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What we do: PAIG valuation services offers a valuation service that provides a valuation on all your property types.

What we offer: •Investment Valuations •Development Valuations •Asset, plant and machinery valuations •Corporate real estate valuations •Mortgage valuations •Government Valuations •Insurance Valuations •Occupancy Valuations •Sustainability Valuations •Research Valuations Why choose us?

Our team has the necessary experience from being in the field to be able to accurately value your property. The Pro-Active Investment Group can order a valuation of Residential Properties for only $75 as a fee for our Investors within our Group using the Banks Approved Valuers.

100 Harris St, NSW2009 karan@paig.com.au www.paig.com.au

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What we do: PAIG Academy is part of the Pro-Active Investment Group that serves to educate, teach and inform students and anyone willing to learn how to enter and invest in the property market. We pride ourselves by providing potential students with the complete PAIG experience so that they are able to enjoy themselves and learn something new in the process.

What we offer: •PAIG Careers •PAIG Deals •PAIG Education •PAIG Events •PAIG Seminars Why choose us?

When you decide to join PAIG Academy, you will receive the benefit of being taught by our staff with many years of experience put together. PAIG Academy offers an entertaining, interactive experience while also aiming to educate and teach potential investors and students how to enter the market as well as how to select the right property for you. Enjoy many deals courtesy of PAIG Academy as well as many events run by the company completely catered for you to have fun and learn at the same time.

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Flinders Pocket Estate Flinders View

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Magazine - April 2019

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ASSOCIATES

B2B PARTNERS

INVESTORS

Become an Associate to prosper in your personal and professional goals

Partner with us and uncover the new possibilities for your business

Join us to explore innumerable investment opportunities