Moti Naral

01/02/2026

22/01/2026

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Almost 1 week left until our first business networking event of the year!

We have an exciting lineup of financial and legal experts who have particular experience with the journeys of multicultural entrepreneurs and professionals.

Possible Diessa from Kwelii Finance will speak on how to invest with purpose, Moti Naral of Smart Chambers will cover how to secure your assets with wills and trusts, and Dustin McMahon and Ritesh S of Finance Nest will share how to use your SMSFs (Self-Managed Super Funds) to take control of your retirement.

Join us on Saturday, the 31st of January for a relaxed evening with networking and nibbles. Get your questions answered and be a part of our supportive multicultural business community.

To find out more or book now, visit: https://www.eventbrite.com.au/e/investment-crafting-your-legacy-blueprint-tickets-1444406451579?aff=oddtdtcreator

Date: 31st January 2026
Time: 5:00PM to 8:00PM
Venue: Hotel Grand Chancellor Adelaide

15/01/2026

Recipe for perfect tea !

Boil water. Forget it. Boil it again. Confidence matters.

Add tea leaves first if you enjoy chaos. Add milk first if you enjoy debates.

Stir clockwise for tradition. Stir anticlockwise for rebellion.

Drink the first sip too hot. Regret builds character.

Judge people quietly by how much sugar they add. Deny it later.

😏

15/01/2026

If I were looking to buy property in South Australia today, this is how the journey would look.

I would start with expectations grounded in data. Adelaide remains one of the strongest performing capital city markets. CoreLogic data from late 2025 shows Adelaide’s median house price sitting around $920,000. Units sit closer to $630,000. Annual growth stays above 6 percent for houses and slightly higher for units. This market no longer looks like a slow mover.

The first step would be borrowing power. Interest rates sit higher than the last cycle, so serviceability matters more than price growth stories. I would speak to a broker early. I would stress test repayments. If rates move again, the loan still needs to work.

Next comes suburb selection. Inner Adelaide offers lifestyle and stability, but competition stays intense. Many listings attract multiple offers within days. Suburbs within 10 kilometres of the CBD show limited stock and strong demand. This pushes buyers to look further out.

I would then look at middle ring suburbs and key regional centres. Places like Salisbury, Morphett Vale, Murray Bridge, and Mount Gambier attract buyers priced out of the city. Recent sales data shows double digit growth in several of these areas, driven by affordability and migration. Rental demand also stays strong, with yields around 4.5 to 5 percent according to REIA figures.

Supply remains the biggest issue. Listings across South Australia sit well below the five year average. This shapes buyer behaviour. You either act fast or miss out. Properties priced correctly do not sit long. Many sell before the second open inspection.

If I were a first home buyer, I would study government support closely. The First Home Guarantee Scheme allows eligible buyers to enter the market with a low deposit and no lenders mortgage insurance, subject to price caps. In South Australia, those caps cover many outer metro and regional suburbs. This support changes timing decisions for many buyers.

I would also plan for total costs, not only the purchase price. Stamp duty, inspections, conveyancing, insurance, and moving costs add up quickly. Too many buyers ignore this early and feel pressure later.

The emotional side matters too. Open inspections feel crowded. Auctions move fast. Rejection happens. The buyers who succeed stay disciplined. They know their limit. They walk away when numbers stop working.
If I were buying as an investor, the logic shifts slightly. Vacancy rates in Adelaide remain under 1 percent in many suburbs. Population growth through interstate migration supports demand. New supply stays limited due to construction costs and planning delays. These factors support rents and prices over the medium term.

Looking ahead, major banks forecast continued price growth for Adelaide into 2026, though at a slower pace than the last year. Growth now depends on wages, migration, and how quickly new homes reach the market.

If I were buying in South Australia today, I would not rush blindly. I would move with preparation. I would rely on numbers, not fear. This market rewards clarity and patience more than optimism.

08/11/2025

Best wishes to the Kirati community as today is the celebration of birth anniversary of Mahaguru Phalgunanda. His teachings on truth, equality, and harmony remain a guiding light. May his wisdom continue to inspire unity, discipline, and pride in heritage.

07/11/2025

If I was a first home buyer and had a borrowing power of one million dollars today, I would not rush to buy something flashy. No new car. No credit cards. No personal loans. The goal is financial freedom, not debt stress.

I would look for an older house on a block bigger than 600 square meters in the greater Adelaide region. Something with solid bones and future potential. I’m not after a shiny new build that loses value as soon as I move in. I want land that can be subdivided in five years. Land creates options.

I would move into the property, live modestly, and pay down the mortgage as fast as possible. Every extra dollar builds equity. Equity becomes leverage. Once I have enough, I would use it to either buy another property or prepare a subdivision plan within few years. That’s how you grow without stretching yourself too thin.

When selling, I’d aim to minimise capital gains tax by making the right timing and structure decisions. I’d work with good advisor to keep more of what I earn.

If you are buying your first home, think beyond the house. Think about what the land can do for you in five years. The house gives shelter, but the land builds wealth.

You can only be a first home buyer once !!

29/10/2025

Thinking of Buying at Auction with a 5% Deposit Scheme? Read This First!

If you’re planning to purchase a property using a 5% deposit scheme and are attending an auction, there’s an important step you must take before bidding.

Before the auction, you need to vary the terms of the contract at registration to state that your deposit will be 5%, not the standard 10%.
Most auction contracts automatically require a 10% deposit on the fall of the hammer. If you bid without this variation in place and don’t have the full 10% ready, you could be in serious trouble.

The consequences:

You could be sued for the full 10% deposit amount, even if you only intended to pay 5%.
If the property is later sold to someone else for a lower price, you could also be liable for the difference in sale price.

Tip: Always check the contract and speak with your conveyancer or solicitor before bidding. A simple variation request before the auction can save you from a costly mistake later.