Did you make any resolutions at the beginning of 2009 and can you remember what they were?

Did you make resolutions such as making more money, going to gym, getting fit and losing some weight?

Did you write any of them down?

Unwritten goals are merely wishes – they are extremely unlikely to come to fruition.

I would like to share with you some simple rules and principals that have changed my life and are still changing it today.

Define your goal until it is crystal clear then write it down. This really helps to manifest the goals into reality.

To do this you have to:
	Decide what it is that you really want.
	Make your goal specific, clear and measurable. (The old adage “You cannot manage that which you cannot measure”)
	Identify the main blocks or obstacles in your life. These stop you moving forward.
	Stop doing things of low value and focus on your high value activities, the ones that reward you with the highest return on the energy, time and money you invest.
	Set goals in three key areas of your life, commit to them and focus on them daily with purpose and determination.
	Stop trying to change others; you can only change yourself and your reaction to others. Look within.

There are hundreds of IGrow Platinum Members who have been very successful over the last two years just by following the positive approach of the IGrow model.

Everyone knows that Financial Markets fluctuate. Property, like any other investment, also moves in cycles. For example, in 1998 interest rates touched 25.5%. By 2000 rates had declined to 14.5%, whereas in 2002 they had risen again to reach 17%. A further reduction occurred in 2004, initially to 11% then to10.5% in 2005. Last year the fluctuation occurred again with interest rates peaking at 15.5%. They are now on the decrease with some experts predicting a drop of between three and four percentage points over the next year.

One of the forces driving property prices is change in interest rates. High interest rates can reduce property prices whereas a decline in rates can cause property prices to increase.

Here are a few good reasons why you should be taking action by buying residential properties as soon as possible in 2009.

South Africa has the fastest growing middle class in the world. In the property world this is a very positive factor as many more previously disadvantaged people will be able to afford to rent or buy entry level properties. This will increase the demand, capital growth and rental income.

As IGrow members are aware the best time to buy property is when interest rates are relatively high or at the highest level of a cycle.

This results in the highest level of debt the investor has to service and gives peace of mind in the knowledge that this level is likely to be the most expensive in the long term. This knowledge frees the investor to plan ahead and build his/her portfolio.

The effect on IGrow type properties is also far less than other areas of the property market. There will always be demand for entry level properties and the lower end of the affordable property market. Thus when more volatile investments such as the stock market are dropping and the upper end of the property market becomes unaffordable, IGrow properties will maintain their value.

I truly believe that, because of the risks related to other investments, many astute and even “burnt” investors are returning to bricks and mortar. The true value of property is that it always increases over time.

IGrow properties are often in developments with upgraded and increased security which, in view of the crime levels of today, creates an increased demand both for sales and rentals in such developments and complexes.

Don’t wait – nobody will bring your dreams into reality except you. Make it happen and do what Nike says “JUST DO IT.”

In three hours, five leading experts in South Africa will be showing you how to invest and make money through residential property, ultimately enabling you to become financially independent within the next five to ten years. Your first thought is probably “Property in expensive, where do I get the money?” Allow us to show you how to use gearing, a way of using other people’s money.

Contact Lezelle at IGrow Wealth Investments on 021 979 2501or lezelle@igrow.co.za
We are limited for space making it crucial for you to book in advance.