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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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Friendly Reminders – Property Management

SMOKE DETECTORS: With the summer behind us comes the end of another daylight savings period.  And the end of daylights savings also means a reminder about smoke alarms. The legal obligation in Victoria is that smoke alarms are currently the responsibility of tenants to maintain, but this is not the case in all states, where the upkeep is the r...

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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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Repayment Changes

With the RBA decreases in interest rates late last year and the recent lender increases it’s hard to know exactly what your repayment should be each month when it comes to your mortgage. Furthermore there are some lenders who when rates are reduced do not adjust your repayment levels so you don’t know where you stand and it’s easy to feel as ...

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Why are people so scared of auctions?

It’s true. Melbournians are scared of auctions. For some, the very idea of an auction sends adrenaline rushing, but for others it throws a great property listing onto the scrapheap before they have even seen it in real life. We constantly field questions about auctions and introduce ideas for clients to combat some of their auction concerns. ...

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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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The Impact of Capital Growth

In an earlier newsletter, we identified that there are many different investment vehicles available to use in a strategy designed to deliver long term wealth creation, and that these different approaches differ in a number of key characteristics, including : their upfront and ongoing cost in terms of both time and money, the extent to which ...

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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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