Welcome to another Success Tips Newsletter.
First home buyers storming back!
According to AFG's latest mortgage index, first homebuyers made a dramatic return to the market in November.
The aggregator arranged $474m in home loans for first time buyers - or 22% of all new mortgages, a 120% increase on the $215m it arranged for first timers only three months ago in August.
According to the AFG index, first home buyers accounted for a total of about $4.7bn of property purchases nationally.
Queensland has seen the biggest surge in first home buyers with loan volumes increasing 152% in the past three months (from $57m to $144 m). Victoria was up by 120% (from $43m to $95m) and New South Wales rose 113% from $60m to $128m.
Lets hope this is the start of an increase in consumer confidence which spreads to the broader market.
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Christmas is a time of year when we are surrounded by or are thinking of family so this weeks Success Tip is all about family and comes from Margaret Lomas. Margaret is a mother of five and founder of Destiny Financial Solutions, which now has several franchisees across the country. Margaret is also the author of seven books. Margaret is an in-demand public speaker and financial advisor. To find out what are the most important values to instil in your children then read her article below.
Here’s to your success,

P.S. If you are wanting to find out more about Wealth Secrets Guild then go to:
Today's success tip comes from Margaret Lomas.
Margaret is a mother of five and founder of Destiny Financial Solutions, which now has several franchisees across the country. Margaret is also the author of seven books. Margaret is an in-demand public speaker and financial advisor.
What are some of the most important values you have tried to instil in your children?
You never get anything in life unless you are prepared to work for it - We have never given our children a lot of 'things', nor do we buy them lots of toys at Christmas. They have to work for everything they get and this has always been the case.
You must remember those less fortunate - We have always taught the children to give ten per cent of everything they earn to charity. You must have compassion for those who do not have the same advantages as you, and understand that people have things in their lives that may make them unhappy or even unfriendly, so you have to take responsibility for being the happy, friendly one.
You will only get ahead if you learn about money - And, you must start a savings plan as soon as you can. Sadly, once they turn sixteen they seem to temporarily forget this rule and spend everything they earn. I'm still waiting for them to get old enough to remember this again and to start paying more attention to their own financial futures.
You have to take time to smell the roses - Appreciate your achievements along the way and don't get so committed to the future that you forget about today. Take some time out to reflect on where you are, every day.
Tell those you love that you love them as often as you can - One day they will be gone. My father passed away very suddenly three years ago and I still cry when I think about him. He knew I loved him, but I still don't feel that I took the opportunity to tell him often enough. I was too caught up in my own daily life and worries. My mum lives with us now and although some days I don't feel like it, I try to look in on her just to say hello.
This website contains even more great tips from Margaret Lomas.
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I love quotes and saying. I often print then out and pin them up in my office or other very visible areas of the house.
On the home page of Wealth Secrets Guild you may have noticed that we have a “Quote of the Day” which we change every day.
If you have not seen this section then I suggest you bookmark our Wealth Secrets Guild home page and check it out every day. You will be amazed at how inspirational and thought provoking they are.
Here are a few that have appeared recently.
QUOTE OF
THE DAY:
"The more intensely we feel about an idea or a goal, the more assuredly the idea, buried deep in our subconscious, will direct us along the path to its fulfilment."
- Earl Nightingale
QUOTE OF
THE DAY:
"We have it in our power to begin the world over again."
- Thomas Paine
QUOTE OF
THE DAY:
"I always wanted to be somebody, but I should have been more specific."
- Lily Tomlin
Now to read our quote for today, click on the link below:
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As you will see in the section under this text, we have just added even more great eBooks, Audios and Videos that are ready and waiting for you to absorb.
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If you are not yet a member of Wealth Secrets Guild, don’t miss out any longer. This website is fast becoming the "World's Largest Success Club" with literally now over 500 content-rich educational products you can access, on topics such as Personal Development, Business, Real Estate, Stock Market, Internet Marketing, Health, Relationships, Success and so much more.
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