Empower Blog Property & Financial Investment

ABC Melbourne Radio – Bryce Holdaway with Jon Faine

Bryce Holdaway, Director, Property Advisor and Buyers Agent of Empower Wealth was interviewed by Jon Faine from ABC Melbourne Radio with the topic of the day; how is Australian's housing choices changing and what is the trend looking like? In this session, Bryce discussed about: Are investors looking for apartments rather than houses these days...

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The 50 Something Couple

With retirement possibly around the corner, an investor in their 50's might not have the flexibility that younger investors do, but they can still make great money through property as this strategy shows. This time around, we are given a case study by Your Investment Property Magazine, of a couple in their early 50's with a combined income of $220...

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Property Panel – National Rental Affordability Scheme

The National Rental Affordability Scheme (NRAS) has received much media attention recently and some property advisors would recommend them as an investment opportunity. But would you jump into an investment without prior understanding on what it actually is? Ben Kingsley, CEO and Founder of Empower Wealth is featured in the Melbourne Property TV (M...

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Are we about to experience a Property Boom?

Recently, the Australian property market had had a good run. Properties prices are growing rapidly, banks' interest rates on the other hand are dropping, home loans are increasing and even rental rates are increasing. It has been great on the property market but like always, what ever that goes up must come down. Are all these a symptom of a proper...

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Property Panel – Self Managed Super Fund and Property

This time around on Melbourne Property TV (MPTV) Property Panel, Ben Kingsley will be discussing with fellow panels on topics concerning Self Managed Super Fund and Property. Few of the questions that were discussed are:  Is SMSF suitable for everyone or just the rich?  Why do you need SMSF and what factors and cost to consider before setti...

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Control your retirement income

When you retire, there are different financial factors to consider because you are no longer receiving income from employment. Adverse market movements can have a greater impact on your savings in retirement because you’re not replenishing your savings with a regular pay cheque. Additionally, when you’re employed your income generally increases...

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What does AFL, NRL and Mortgages Have in Common?

We love our sports; all the competitiveness and excitement that comes with it.  Have you ever wondered if the same spirit of sportsmanship also applies to scoring a good mortgage? Over the weekend we have seen the two major sporting codes Grand Finals.  These sporting contests are all about making ground on your opposition and putting scoreboa...

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Property Panel – Fixing your Interest Rates

Fixed interest rate and variable interest rate is another one a common debate points when choosing a mortgage loan. Sometimes, a fixed interest rate can be quite an advantage but on other times, it may be the cause of a difficult financial position. In this session of Melbourne Property TV (MPTV) Panel, Ben Kingsley and the panel discuss about the ...

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Fifty Shades of Underquoting

There are different levels of underquoting but when will it be considered unacceptable? As the media keeps reminding us, we find ourselves in the midst of a Buyer's market.  There are many aspects of this current market which also remind us of the current status; from lower than average auction clearance rates to reducing interest rates.  On...

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Why budgets don’t work!

Budgets are a bit like driving your car down the road with your windscreen totally blacked out only looking through the rear vision mirror - they simply measure history but that’s not enough.  Let me illustrate. Have you ever been guilty of impulse spending?  Whether it’s the pair of jeans you bought when you were meant to be just wind...

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Nothing ever Changes if Nothing Ever Changes

Have you considered if your retirement income will sustain your lifestyle? If not perhaps it is time to put away the fear of change and act now. Households are going to be in for a rude shock in retirement, as they come to terms with reduced income and the impact on their lifestyle unless they start acting now. There is a rule of thumb to help ...

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RBA Rates Decision – October 2012

The RBA has reduced the cash rate at its October Board Meeting by 0.25%.  This brings the cash rate down to 3.25%. Most market analysts were split 50/50 on this decision to reduce rates, but for an economy that is definitely showing signs of slowing, it comes as welcome news to a mortgage holder. How welcome that news is will be left i...

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Return on Investment

What defines Return on Investment and how it differs for Property and other Financial Assets? And how do you align your expectation and the reality of the returns? In previous articles we've been discussing the “outputs” that we are seeking from an Investment Strategy.  Most importantly, we will be looking for ongoing capital growth o...

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