Empower Blog

Sky Business Channel, Your Money Your Call (April 2012)

The founder of Empower Wealth, Ben Kingsley joins host Margaret Lomas and fellow panel expert Andrew Wilson from Australian Property Monitors (APM) in Sky Business Channel, Your Money Your Call. The panel answers calls and emails from viewers about property and property investing. Ben Kingsley is a Qualified Property Investment Advisor (QPIA) based...

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Investing in Commercial Property

Investing in commercial property vs. investing in residential property has always been hard a decision to make. Although, Empower Wealth is primarily on residential property investment, we do not discourage investors who decides to take the other path. This time, Ben Kingsley appears as a guest panelist on Melbourne Property TV (MPTV) and the panel...

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MPTV – Interest Rates and Home Loan Lending

Ben Kingsley talks about mortgage interest rates and home loans as a guest panelist on Melbourne Property TV (MPTV). In this session, Ben will be discussing about the role RBA plays in the Australian economy and the logic for their decision making. They will also be touching on historical trends of Australia's interest rates and how the current ...

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How Much Money is Enough?

If you stopped work today, how much money would you have to live off before it all ran out? If you stopped work today, how much income would your investments generate?  Would it be enough to live off?  Would you eventually have to sell down on your investments to ensure you had enough money to live off? How much is enough? If you have read s...

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RBA Rates Decision – March 2012

The cash rate has been left on hold this month as the RBA believes it has adequately priced the access of money in the economy to ensure the long term growth of the economy. Meanwhile many economists argue the cash rate is too high to stimulate the economic growth, as soft market conditions in the two largest states of NSW and Victoria, have been o...

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Cooling Off Changes in Victoria

Recently the Victorian government made changes to the Cooling off legislation regarding purchasing residential property. Prior to this change if you sought legal advice from a solicitor then you couldn’t cool off on your purchase contract within the designated cooling off period. Following the changes you can now seek legal advice and still ha...

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Property Market ‘Too Important to Fail’

Imagine a situation where what you’re investing in, is also so critical to the overall economy in which that investment is found, that if it failed it would severely cripple the economy and standard of living of its population. You don’t really have to imagine too hard, because that is exactly the situation we have in the Australian market. ...

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RBA Rates Decision – February 2012

The Reserve Bank of Australia (RBA) surprised the broader market this afternoon by leaving the cash rate at 4.25%. One would now expect a bit of media backlash towards the government and RBA for this decision in light of the recent media reports of major job losses in some sectors of the economy. Certainly expect to see the Retailer Association, Ma...

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Loan Structuring

If you are not familiar with the term then this article is for you..... What is the definition of loan structuring:  In very simple terms it’s the way in which the loan product is set up to accommodate the borrower’s best interest, either in short, medium or longer terms depending on the client’s end goal, because we have to remember the goa...

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Predictability in an Unpredictable Time

How does that saying go…"Change is the only certainty in our world”.  It’s true, all things change, some quicker than others, but over time change is inevitable. When you put your investor’s hat on the same thing rings true. Markets are constantly changing.  Investments that were nice earners over the past few years might now be stagna...

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Can You Compete and Beat the Best?

Did you stay up and watch that Epic men’s final of the Australian Open between Novak Djokovic and Rafael Nadal?  WOW, what a match!  I confess I only watch it up until around midnight when the rain delay hit, as yes I needed to go to work in the morning. In watching that match it staggered me just how two men can hit the ball so hard and so ...

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A Good Conveyancer Pays Dividends

We all acknowledge that buying property is a big financial commitment.  And an important professional involved in the purchase process is a Conveyancer. Too often buyers make the mistake of bringing the Conveyancer in after they have purchased the property - BIG MISTAKE. Good conveyancers can add a great amount of advice and values within th...

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Reflection a Powerful Learning tool

Wouldn’t it be great if we could go back in time…… We’d all be wiser and wealthier for the experience, especially if we could take back those lotto numbers with us! Of course the reality is that we can’t. So what can we do? You need to learn from past events and be wiser from that experience moving forward. When it comes to property and...

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