March 2011 Newsletter

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Hello,

Having a conversation about weather is no longer something you do when you have nothing else to say. This years devastating floods, cyclone and bushfires have got us all talking about weather and the implications it can have on our lives, our happiness, our economy, business, property and even interest rates - see our first article.

For those without insurance cover, the damaging effects of these weather events will be long felt. Go to our third article - are you insured? - to find out what type of insurance cover you might want to consider for your assets.

Our second article provides tips for achieving success as a landlord and our final article looks at the topic of creativity.

Enjoy this newsletter and feel free to pass it on to family and friends. Contact us if you wish to know more about any of the topics covered or to enquire about taking out a loan.

Glen Barrett

23 Caravel Ct
Cleveland QLD 4163

Tel:	1800 253 486
Mob:	0400 737 767
Fax:	07 3319 0931

A Positive Outlook

Success as a Landlord

Are you insured?

Tap your creativity

A Positive Outlook

2011 is shaping up as a positive year for the property market.

According to this year's Australian Property Outlook Report by First National Real Estate, even though growth rates won't be as spectacular as they have been in previous years, property is still offering substantial returns and will lure investors back in large numbers.

The report states that throughout 2011 the property market will continue to be supported by strong economic fundamentals such as strong population growth, low levels of unemployment and buoyant consumer and business confidence.

Success as a Landlord

Earn money while someone pays off your mortgage - that's the life of a landlord! Owning a rental property can be a 'dream come true' if you follow these tips for successfully managing your investment.

Keep reading for some useful tips.

Are you insured?

This year's string of floods, cyclone and bushfires has pushed the topic of insurance well into the spotlight. Thousands of home owners, landlords and business owners have lost valuable assets and without insurance cover are struggling to make ends meet.

The devastation sends a strong message about the importance of insurance, whether it's for your home, business, motor vehicle or investment property. Not only is it important for your assets to be insured, but also that they are insured at an adequate level and that you are familiar with the terms and conditions of your policy.

Tap your creativity

If you think you're not the creative type, think again. There are more kinds of creativity than the kind that results in painting a masterpiece or writing a best seller. Creativity can be expressed in any number of different ways including the way you approach challenges, relate to people and find solutions to everyday problems.

Everyone has the ability to be creative; it is simply a matter of knowing how to identify and understand your own creative strengths.

About Us

Barrett Lending Solutions is a boutique mortgage broking business, specialising in finding solutions to assist client's needs in relation to their lending requirements. We provide assistance in setting up strategies, borrowing structures, and finding loan options - be it for residential, investment or commercial lending needs.

Why not let us do it for you?

Our points of difference:

Accredited with over 50 lenders.
Our service is totally FREE. We are remunerated by the chosen lender, whoever that ends up being.
Over 5 years industry experience
Individual attention to each loan scenario
After loan settlement-ongoing care and support.

Barrett Lending Solutions Core Values:

Integrity
Transparency
Accountability

Need an accountant?

Gregory Thomas Accountants offer:

Income tax returns
Financial reporting
Business setup
Small business advisory & support services
Cash flow statements & management accounting

Contact Gregory Thomas Accountants by calling 07 3821 5929.

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Information from Sovereign Capital Management's Individually Managed Account

As of this writing, global markets are again in turmoil and for many investors this will be a cause of concern.

Are you:

Concerned about the volatility and uncertainty of the share market?
Concerned about rising interest rates and the economy?
Interested in enhancing your Self-Managed Super Fund?
Interested in paying off your loan/s sooner?
Interested in generating cash flow to purchase additional investment properties?
Interested in wealth creation strategies not dependent on rising stock and property prices?
Interested in reducing your risk AND increasing your return?

Sovereign Capital Management Pty Ltd (SCM) is an investment management firm that can help you with this and more. Our investment strategy has been thoroughly tested over 6 � years and produces stable, consistent returns of up to 27% per annum with high liquidity and very low volatility, with the safety of knowing your cash and assets remain in your own account at a major Australian bank.

SCM's market neutral strategy removes market risk, so we are 'not investing in the share market'. Instead, we make profits through intelligent stock selection due to our most preferred shares outperforming our least preferred shares and we profit from both rising and falling prices, achieving good returns without experiencing the roller-coaster performance that is often associated with investments 'in the share market'. Some of the many benefits of our Individually Managed Account (IMA) service are:

1. Higher Returns - consistent and stable returns (after fees and transaction costs) of up to 27% per annum, dependent on the leveraging option chosen by the investor.
2. Lower Risk - our strategy is capable of generating a higher long-term return than the share market with less than a third of the risk.
3. Proven Strategy - our quantitative equity market neutral investment strategy has been thoroughly tested over 6 � years, covering up, down and sideways market conditions.
4. Liquidity - no lock-up period and high liquidity, as we only invest in the top 200 shares in Australia - and investor funds are available at short notice.
5. Higher Risk-Adjusted Returns - higher returns with lower risk than can be achieved by investing in real estate or the share market.
6. Portfolio Enhancement - adding a SCM IMA to a portfolio of other assets such as real estate, shares and/or bonds will provide a substantial diversification benefit, in many cases increasing portfolio return and reducing portfolio risk, at the same time.
7. Control & Transparency - having an IMA means all cash and assets remain in the name of the investor and do not get pooled. We also provide you with details of every transaction.
8. Safety - investment funds remain in the investor's name at a major Australian bank where they are also guaranteed by the Australian government.
9. Cash Flow - the nature of our strategy makes it ideal for providing an income for retirement purposes, additional investment income, accelerated loan repayment or reducing the overall cash flow burden of an otherwise negatively geared portfolio.
10. No interest rate stress - the expected return of our strategy rises in line with interest rates.

As we only deal with wholesale clients, the minimum investment is $500,000 - but this can come from one or more sources, such as: the equity in your real estate, cash, managed funds, or shares.

Lastly, our strategy is allowable for Self Managed Super Funds (SMSF) and complies with SMSF rules.

For a no-obligation copy of our detailed Investor Summary, or to arrange a free consultation, please contact our Business Development Manager, Mr Glenn Rushton at: glenn@sovereignmarkets.com or phone (07) 3272 6000, or 0413 948 888.

AFSL 341926
ABN 46 116 555 732

Disclaimer: This newsletter is intended to provide general news and information only. Readers should rely on their own enquiries before making any decisions regarding their own interests. Please do not rely on any part of this newsletter as a substitute for specific legal or financial advice. All material is copyright 2011.