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Dear RK Members, Friends & Associates, Ho! Ho! Ho! Santa is Coming to Town. Christmas is fast approaching and what a better way to start your holiday season knowing that you can buy or will be in your own new home. With the release of more First-Home Buyer's Grant of $21,000, then an additional offer of the NSW Government of $16,000. LUCK has come your way. Wait there's more! Another GRANT from some developers like the new SPECIAL OFFER by the BILLBERGIA GROUP with their RHODES VQ & ANGAS GATEWAY projects, you ask how much? Another $16,000 only until December or until further notice (Conditions Apply). Of course, RK Realty Group is also offering to our buyers a $2,500 cash rebate on other developer's projects, if you buy from us (Conditions Apply). So, don't just sit there - do some research and start looking at places and make a decision. These offers from RK Realty Group, the Government & Developers won't last long and they will all be gone. It's silly to miss the boat and keep on paying on other people's property when you can buy. ACT NOW to Enjoy the Benefits of Owning your Own HOME. If you want more information on our First-Home Buyers Grant please email us to request a copy - info@rkrealtygroup.com.au. And if you need more information on any of our listed properties please call us now - 1300 738 074 and take advantage of the FHBG now. By the way, JOIN our RK Property Social Club and be a well informed Property Investor & know business opportunities that we offer our members. Make a decision now to educate yourself, research and take action. KNOWLEDGE is POWER. We are here to help you with your real estate, business and finance needs, call us now 1300 738 074.. To Our Success, PS. Please visit our RK BLOG for more property news, articles and updates - http://www.rkrealtygroup.com/blogs/rk_realestateupdates/default.aspx . Also, please visit our individual property websites - www.angasgateway.com and www.rhodesvq.com.
Big Developers Forecast Upward Movement in Real Estate 
Two of Australia’s biggest developers, Meriton and Mirvac stated that there is a growing demand in real estate. They foresee that the real estate sector will start to recover next year. More buyers are entering the market due to a combination of several factors such as the government stimulus package of increasing the first home buyer’s grant, rising rent and lack of supply. Moreover, the financial strain is easing out due to the decline in petrol prices and interest rates. They noted that some people will be losing their jobs next year but they argued that some won’t. Overall, they are positive that the real estate outlook next year will be good. In fact, Meriton is confident that they will be able to increase the number of units they are building by 500 more and the price will rise by 10%. You can read more about this news article at “Only way is up for real estate, say big developers”. 
Village Quay – Lifestyle and Investment in One Village Quay is an exciting new residential development located in Rhodes, a suburb located along the Parramatta River. Rhodes is famous for its cosmopolitan flavor shops, waterside walkways, cafes and restaurants. It is also just a few minutes away from the magnificent sporting and recreational facilities of the Sydney Olympic Park. Living in Village Quay is pretty much like living in a resort-style community. However, the best part about it is its accessibility, not only to various recreational facilities but to your place of work too. It is only 20 minutes to the Sydney CBD by rail. It also has easy access to Parramatta CBD and the rest of Sydney through the M2, M4, M5 and Victoria Road. The nearest train station is just two minutes away. You can leave your car, skip traffic and be at work in no time. At the end of the day, you can come home feeling relaxed in the comfort of your own apartment or have a stroll outside your waterside community. Village Quay is also an ideal investment. It has a generous tax depreciation benefit and high rental returns. Moreover, you can be assured of the quality of the project since it is Billbergia’s newest development. Billbergia is the largest developer of waterside properties in Sydney. It has 19 years of experience in the development of large scale residential and commercial developments. The company is involved in the entire development process, site acquisition and marketing. Thus, you can be assured of its meticulous attention to detail. Moreover, Billbergia’s strong financial capability means quality will never be compromised. There is so much more to admire about Village Quay. However, it is best to see it for yourself - the location, the facilities you can expect and have a feel of the quality inclusions in your future apartment. * NOTE: Billbergia Group has a SPECIAL OFFER to our FIRST HOME BUYERS & INVESTORS ALIKE A GRANT OF $16,000 but you must HURRY THIS OFFER WON'T LAST!!! Ask Us for More Details when you call for an appointment. To arrange an appointment to visit Village Quay’s display office and for more information, please give RK Realty Group a call - 1300 738 074.
"If you believe you can, you probably can. If you believe you won't, you most assuredly won't. Belief is the ignition switch that gets you off the launching pad." Denis Waitley Analysts Foresee Further Interest Rate Cuts for the Next 4 Months 
After several years of always being in fear of further interest rate increases, there has been a downward trend in interest rates. The official interest cut went down by 2 percent for the past three months. It went down by .25 basis points last September, a surprising 100 basis points last October and another huge interest rate cut of 75 basis points was announced for November. According to this news report; the flat retail sales in the September quarter will prompt another interest rate reduction of up to 50 basis points. Some analysts forecast that it might come down to up to 3.75% by March to steer the economy from recession. They predict that the Reserve Bank will take drastic actions to fight unemployment and stimulate the economy. At present the big four banks – Commonwealth Bank, Westpac, NAB and ANZ charge around 7.73 percent for the standard variable interest rate. However, if the interest rate cut predictions will be realized it can come down to 6.5 percent or even lower. You can view the RBA and bank rate trend since 1990 in this graph. 
Minneapolis Court, Maroubra (Priced from $599,000) Minneapolis Court is a Boutique complex of 4 townhouses 2 and 3 bedroom (with ensuites) all with secure double carspaces and lock-up storage areas. Located within a short stroll to Maroubra Beach, offering modern Polyurathene kitchen with cesarstone benchtops, unique bathrooms with vetrified tiles from floor to ceiling, Polished floor boards to living and dining areas, reverse Cycle Air-conditioning, dishwashers, dryers and stainless steel European appliances. Great Buy for First-Home Buyers and Very Good Investment Opportunity with strong rental returns for Investors & home buyers. Visit our websites for more details - www.rkrealtygroup.com.au or www.rkrealtygroup.com or call us today - 1300 738 074 or Mb 0411 078 390.
Here is your Friday Story "Some people bring out the best in you in a way that you might never have fully realized on your own. My mom, Ruby Lloyd Wilson, was one of those people," says Kemmons Wilson, founder of the Holiday Inn hotel chain. "Most people called her Doll. My father died when I was nine months old, making her a single mother and a widow at the age of eighteen.While I was growing up, there were times when we had so little money that we had to live on a few pounds of dried butter beans for a week at a time. While food was scarce, my mother's love and devotion were abundant. Each night, she sat me on her lap and spoke the words that would change my life, 'Kemmons, you are destined for greatness and you can do anything in life if you're willing to work hard enough to get it.' "At fourteen, I was hit by a car and the doctors said I would never walk again. My mother took a leave of absence from her job at a meat-packing plant and moved into my hospital room to care for me. Every day, she spoke to me in her gentle, loving voice, reassuring me that no matter what those doctors said, I could walk again if I wanted to badly enough. She drove that message so deep into my heart that I finally believed her. A year later, I returned to school -- walking on my own. "When the Great Depression hit, my mom lost her job like millions of others. I was seventeen, and against Doll's wishes, I left school to support the both of us. At that moment, it became my mission in life to succeed for my mother's sake, and I vowed never to be poor again. "Over the years, I experienced varying levels of business success. But the real turning point occurred on a vacation I took with my wife and five kids in 1951. I was frustrated at the second-rate accommodations available for families and was furious that they charged an extra $2 for each child. That was too expensive for the average American family, and I was determined to offer them an alternative. I told my wife that I was going to open a motel for families with a brand name people could trust that never charged extra for children. I figured about 400 nationwide motels would be the right number so that each one would be within a day's drive of about 150 miles.There were plenty of doubters who predicted failure because there wasn't anything remotely similar to this concept at that time. "Not surprisingly, Doll was one of my strongest supporters and among the first to pitch in. She worked behind the desk and even designed the room decor for the first hundred hotels. As in any business, we experienced enormous challenges. For years, we paid our employees Christmas bonuses with promissory notes because cash was so short. But with my mother's words deeply embedded in my soul, I never doubted we would prevail. Fifteen years later, we had the largest hotel system in the world, with one of the most recognizable names in the business. "You may not have started out life in the best of circumstances. But if you can find a mission in life worth working for and believe in yourself, nothing can stop you from achieving success." Kemmons Wilson founded the first Holiday Inn in 1951 and built it into the largest hotel chain in the world. When he retired in 1979, the company had 1,759 inns in more than fifty countries with annual revenues of $1 billion. Cynthia Kersey 
Hauskon by Choice - Town & Country, Dasmarinas Come home to authentic Town & Country living in the middle of Dasmariñas Cavite’s bustling community! Let your family reside in a dwelling that offers the best housing package as well as the ideal location to access your more important needs. No other project within the area gives you a perfect home designed for starting families. For as low as P1,497,600, you will get a prime single-attached unit that has easy access to good schools, commercial areas, and the Daang Hari road. Our 66.8 square meter single-attached homes are even designed to be expanded up to a maximum of 100 square meter living space for your growing family. Visit Our Websites for more infos - www.rkrealtygroup.com (Homes for Sale) & www.rkrealtygroup.com.au (Project Marketing) or call RK Realty Group - 1300 738 074.
* Lists of Our RK Affiliate Business Partners 
RK REALTY GROUP and OFBC Australia: Helping Overseas Filipino Migrants RK Realty Group, a real estate agency specializing in project selling of residential developments here in Australia and the Philippines is pleased to introduced their newest business affiliate; OFBC Australia. Overseas Filipino Business Center (OFBC) Australia is a service provider established by Ausgroup Investments Pty. Ltd., in partnership with BC Group of Companies in the Philippines. OFBC caters to the needs of Filipino migrants, Overseas Filipino Workers (OFWs) and their next of kin in the areas of financing, livelihood and housing. Filipinos can apply for an Australian Dollar Loan through OFBC to purchase properties through RK Realty Group. It is handled by a seasoned Australian Loan broker - Mr. Alvin Lee (OZ Loans) that has access to some of the leading banks and other lending institutions here in Australia. We can also work out how you can purchase a property here in Australia with a possible support from a Philippine based loan. In RK Realty Group, we continue to grow our team of business affiliates to make your real estate purchase a success! Please check our website www.rkrealtygroup.com.au for a complete list of our properties for sale. We can facilitate an appointment with OFBC Australia to explore their services available to help you purchase your property here in Australia or in the Philippines. We look forward to hear from you soon. Please support our recommended Affiliate Business Partners, as they also support our RK Property Social Club. If you need help from any of them, please do not hesitate to contact them directly. They are very willing to help you with your needs and any requirements. RK Realty Group Affiliate Business Partners are here to give excellent service to you that’s why we choose them to be our partners in helping you in your real estate, finance, education and other specialised services. 1) Overseas Filipino Business Center (OFBC) - our newest alliance business partner - for your finance, housing and livelihood programs & other services (Australia & Philippines). Annette Gonzales - Ph 02 9904 7882, Mb 0414 509 412. Alvin Lee (OZ Loans) - Ph 02 9979 4501, Fax 02 9997 8256 & Mb 0409 076 419. 2) RS Migration & Recruitment Consultancy - for Migration, Education & Job Placement. Sally Pablo (Marketing Consultant) - Mb 0415 586 066 or Ph 02 9997 3105. 3) Linda Geronimo Santos - (Solicitor & Lawyer – Family Law, Migration, Personal Injury & Conveyancing. Ph 02 9891 9008 & Mb 0402 027 013. 4) Kelvin Goh – Rider Hunt Terotech – depreciation schedule, Ph 02 9922 2277, Mb 0403 203 208. 5) Robert Kok (Immigration Solicitor & Conveyancing) - Ph 02 9281 8860, Mb 0416 168 260. 6) Bobby Kok & Mona Tan (Immigration Agents, 20 years in business) Ph 02 9212 7028, Fax 9212 7292 & Mb 0412 968 760 (Bobby). 7) Rosy Sullivan – (Principal) – Australian College of Professionals, the college provides training & license accreditation for Real Estate Agents and Financial Services People. Also, Conveyancing, Property & Business Consultancy, Mediation & Conciliation & Property Law. Ph 02 9659 4699, 0418 678 119. Website – www.collegepro.biz. 8) Shirley Morcilla (Director) - SRM Advanced Consulting Services - finance & insurance. Ph 02 8883 0610, Fax 02 8883 0612 and Mb 0414 990 331. Please visit our RK BLOG for more property news, articles and updates - http://www.rkrealtygroup.com/blogs/rk_realestateupdates/default.aspx . Also, please visit our individual property websites - www.angasgateway.com and www.rhodevq.com.
SAVE, SAVE, SAVE…a need before you can buy a property now! 
As a result of the subprime crisis in the US, a lot of banks worldwide went into financial crisis. It ballooned into a global financial meltdown that may push the planet into recession. Banks in Australia were not immune from this crisis. Although they are still doing well compared to their global counterparts, their shares slumped to multi-year lows recently. Commonwealth Bank plunged 47 percent below last year’s record high, Westpac shares went down by 47 percent, ANZ by 51 percent and National Australia Bank by 58 percent. As a result, the days of easy credit is now over. The banks are tightening their lending standards. Prospective buyers will find it hard to obtain no deposit home loans. The Commonwealth bank of Australia has banned no deposit home loans. Meanwhile, ANZ has tightened the eligibility requirement for such loans. According to John Symond of Aussie Home Loans, we can expect a return to sensible lending practices. You can read more about these changes in this article “End of easy credit is over as banks tighten lending standards”. Thus, if you’re planning to buy a home soon, make it a habit to save. It pays to save not only to qualify for a loan, but also to make sure you can enjoy your property without fears of defaulting from your loan. * Recommended Books, Videos or DVD, Audio CD’s for your Personal Development, Property Investing, Taxation etc. 
Note: Always remember to continue educating yourself in different areas of your life. We have plenty of resources around us, we don’t even have to buy these materials just go to your local library, the internet or borrow books, cd’s, videos or dvd etc from family & friends. I hope that all of you will be inspired to motivate yourself to continue to grow, learn and acquire knowledge as you grow older and be wiser. I want to recommend all these different materials to you and I hope you will take the challenge of reading them and absorbing what you learn and apply it to your daily life. 1) Think and Grow Rich by Napoleon Hill
* Positive Thinking by Dr. Norman V. Peale 
"Hold the thought of all elements of the body in perfect rhythm." "It is a well-defined and authentic principle that what the mind profoundly expects it tends to recieve. Perhaps this is true because what you really expect is what you actually want."
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