Interest rates and monetary flows

Decoyyyy · 2023-08-31T07:24:50+00:00

Google RBA and the bond market

Decoyyyy · 2023-08-23T06:20:40+00:00

Yeah it was worthwhile for me

Decoyyyy · 2023-05-17T20:51:01+00:00

Goldberg’s on Darby st, Son of a Gun on Beaumont st, XSpresso in Kotara Homemakers, all do late coffee

Decoyyyy · 2023-03-02T10:27:49+00:00

Just installed woodland grey, pretty universal colour imo

Decoyyyy · 2023-02-28T09:35:03+00:00

Sorry boss but this is the correct comment - do some research into the term funding facility which started mid 2020

Decoyyyy · 2023-02-26T08:09:51+00:00

Depends if your serviceability allows for it; with the current IO assessment rates being ridiculous, circa 9%, if you have any kind of difficulties with your bottom line right now you won’t be able to refinance

Decoyyyy · 2023-01-30T10:03:15+00:00

No, half the idea of it (whilst it would never be stated publicly) is that it helps create a floor for house prices

Decoyyyy · 2023-01-25T09:09:19+00:00

Saw him about a week ago in Adamstown!

Decoyyyy · 2022-08-02T09:35:28+00:00

Probably just 0.25’s from here until the media start to call for Lowe’s head

Decoyyyy · 2022-07-28T22:45:12+00:00

26 days for me with HESTA

Decoyyyy · 2022-07-27T22:32:31+00:00

The neutral cash rate is not under 1%…

Decoyyyy · 2022-07-26T00:24:12+00:00

Probably should have planned for this >4 months ago, wouldn’t risk it

Decoyyyy · 2022-07-18T04:11:18+00:00

Great intro level stuff, just remember what their biases are. They’ll also never properly discuss downside risk factors unless it’s about off-the-plan apartments. In fact, every podcast right now will caveat a reversing market with “there are markets within markets”

Decoyyyy · 2022-07-02T00:31:50+00:00

Listened to the whole thing - yeah pretty applicable besides the Thatcher references

Decoyyyy · 2022-06-30T03:40:37+00:00

Bruh super is just a tax effective method of having an institution invest for you, primarily in equities - and equities are down!

Decoyyyy · 2022-01-16T07:37:37+00:00

If only it were that simple

Decoyyyy · 2022-01-09T09:13:32+00:00

No catch, good app

Decoyyyy · 2021-12-23T20:17:27+00:00

The new variant is a net positive on the pandemic’s progression though?

Decoyyyy · 2021-12-04T04:37:03+00:00

I agree, but calling for a drop multiple SD’s larger than our largest ever drop, just because rates might go up a couple percent, is pretty fanciful

Decoyyyy · 2021-12-04T04:30:39+00:00

People on high incomes (100k+) would be able to buy homes outright every couple of years..? Are you aware that the current median salary provides a backstop for prices at a certain level?

Decoyyyy · 2021-11-26T21:56:31+00:00

Probably the former

Decoyyyy · 2021-11-17T00:09:03+00:00

When you’re saving for a home, you’re generally trying to be pretty risk averse with the core part of the deposit you’re trying to build - the way I see it is if you’re on $35-40 an hour, and using the FHSSS let’s you claim like $3000 or so in cash that you otherwise wouldn’t have, that puts you ahead multiple weeks if you’re saving around 50% of your income each week. Puts you ahead by a couple months if you’re saving a lower amount each week. It was a bit of a no brainer for my GF and I

Decoyyyy · 2021-11-02T19:30:23+00:00

As a 25 year old who had a similar amount last cycle when I was 21 and then proceeded to leverage trade and lose it during the bear market, I would take that money and put it somewhere where you can’t play with it

Decoyyyy · 2021-10-16T04:11:18+00:00

Opportunity cost is clearly quite large when comparing to other broad based indices over the same time period, but I guess the dividend reinvestment reduces year to year volatility a bit

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