Empower Blog Household Income Modelling

The financial impact of negative gearing

With all the debate around negative gearing, I thought it was time in this how to session to actually look at the number. The dollars and cents behind what a decision like changing Negative Gearing would have on a personal circumstance. So it’s important that we take a look at that and unpack that story so we can bring those facts to life. What u...

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Putting your money to work – Money Management & Loan Structure

So in this How to Session, we are rolling our sleeves up and we are getting into a little bit more Expert level understanding on putting our money to work. Now in this session, we are putting our money to work and I'm also going to put a bit of flavor in this one and talk about how we can do this without impacting on the household budget. So let's ...

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What are the four elements in the development of an investment plan?

>> Play Audio here This time on Real Estate Talk, Ben Kingsley will be putting on his PIPA and QPIA hat and discuss about the four elements in the development of an investment plan. The first one is income. If you know what you are getting, you know how much you can spend. Unfortunately, not a lot of people are aware of the exact amount ...

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Key steps to work out the best Property Investment Strategy for you

Thank you very much Paul. Good morning everybody. Thank you for getting up so early on a Saturday morning to hear this presentation. Hopefully I won’t disappoint you. We’ve got a lot to get through this morning. The first section of the presentation just talks about the frameworks that we use in terms of putting the big rocks in the jar as I...

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Game Plan: Make an extra $90,000 in passive income a year

There are plenty of strategies an investor could use to get some clever property purchases, but how do you get there without working two jobs or skimping by on Vegemite toast every evening? Here's an article on how to achieve $90,000 a year in passive income by 2020. In this article on Your Investment Property Magazine (YIP Magazine), Empower W...

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One more look at predicting the Future

In the previous article, we discussed one of the key factors in developing a long-term wealth building strategy  -  the need to “predict”, or at least make assumptions about, how household cashflows will change over time.  Before starting any investment with a goal of building wealth, it is critical to have a clear picture of the anticipated...

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Another look at Predicting the Future

In a previous article, we discussed one of the key factors in developing a long-term wealth building strategy  -  the need to “predict”, or at least make assumptions about, how key variables affecting the outcome of the strategy will change in the future.  For example, a strategy involving the use of borrowed money will need to include an as...

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Earn $2,500 a Week by Building a Property Portfolio

How often have you found yourself picturing a retirement where you’re enjoying regular overseas holidays, spending your spare time with your grandkids and leisurely filling up your days doing all the things you love? We all have but we’re brought down to earth quickly by reports suggesting there won’t be enough money for a comfortable retirem...

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Predicting the Future

In previous articles, we have been looking at the inputs to and outcomes from an investment strategy, and have identified the return on an investment asset, generally made up of some combination of growth and yield, as a key measure of the performance of that asset. We are able to obtain information on the recent growth and current yield of diff...

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Game Plan: Never too young to retire

Ashley is a 25-year old operations manager with a medium-sized coach business in the Hunter Valley region of NSW. Considering his young age, he is earning a good salary and prides himself on being fiscally conservative - saving money by living at home with his parents and consistently putting more than a quarter of his income into savings each mont...

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Growing Your Property Portfolio, Five in Five

Five properties in five years. It has a real nice ring to it, but most experts would agree that it makes a better headline than property investment strategy. They will tell you it’s dangerous to target a number, and that you shouldn’t stockpile properties just for the sake of adding to your property portfolio. But that headline certainly sells ...

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Smart Decisions Boil Down to Smart Numbers

Who knows what a correlation coefficient measurement is? Answer: A very sophisticated measure that determines the degree to which two random linear variables movements are associated. The correlation coefficient is calculated as: The calculation will result in a figure between -1 or +1.  A zero result indicates no linear relationship ...

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Game Plan : Exit Strategy – Retire on $100,000 p.a. in Five years

Forty-something investors SIa and Louise Kapeleris may have only started investing in earnest in 2008, but in that time they’ve amassed a portfolio of eight investment properties. Along with they Sydney home, that adds up to an asset base worth $3.6 million. Now, they’re looking to the future, and trying to work out how they can leverage their ...

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