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  • 0.25% rate cut on Cup day - you can bet on it Formula 1 Finance
    Bank of Australia RBA interest rate form guide over the past five years has shown that it has moved to adjust the official cash rate 18 times since November 2006 Interestingly over the past five years there has been an interest rate adjustment on every Melbourne Cup day The Board noted that financial conditions have been easing somewhat with interest rates for some housing and business loans declining slightly due to increased competition and the fall in some funding costs in financial markets The exchange rate has also declined from the very high level of a few months go while credit growth remains low and asset prices have declined My bet is interest rates to be cut by 0 25 Brett Colley 365 Posts Brett has been involved in management in the finance industry for over 13 years Brett s diverse experience in finance real estate developments and all facets of the construction industry confirms Formula 1 Finance to be an innovative professional finance broking firm On October 10 2011 Australian Dollar Enconomy Financial goals Inflation Interest rate Wealth Comments Off Comments are closed Finance News RBA rate announcement Banks Mining Towns and Rental Yields Houses outperform units in capitals Positive return for Qld market Whats happening with Vacant Land Sales Credit conditions restricting construction Housing Values Rise Housing Facts Rates on Hold New home sales at 2 year high Categories Australian Dollar Bank fees Bank Profits Budget Enconomy Finance News Financial goals First Home Buyer Government banking reform Home loan product House prices Inflation Interest rate Rental Growth Stamp Duty Technology Wealth January 2014 M T W T F S S Dec 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27

    Original URL path: http://www.formula1finance.com.au/interest-rate/0-25-rate-cut-on-cup-day-you-can-bet-on-it/ (2014-01-04)
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  • Interest rate hike likely mid 2011 Formula 1 Finance
    domestically focussed wholesale retail transport communication housing non mining related construction will all be impacted by prospects for domestic spending which particularly in the case of the consumer will be further slowed by this unexpected rate hike CBA raised its variable mortgage rate by 45bps If that was to be followed with an across the board increase in mortgage rates materially beyond the 25bp RBA move then I would only expect one more 25bp move from the RBA in this tightening cycle That move would then be delayed until the June quarter of next year I expect growth to be slowing through the second half of 2011 rates will be too high fiscal policy will be tightening and the Australian dollar will be comfortably above parity The mining boom will be hampered by a shortage of skilled labour although the inflation spill over to wages from this very specific excess demand will be limited A long period of steady rates will be necessary The next and final round of rate hikes will need to wait until well into 2012 Brett Colley 365 Posts Brett has been involved in management in the finance industry for over 13 years Brett s diverse experience in finance real estate developments and all facets of the construction industry confirms Formula 1 Finance to be an innovative professional finance broking firm On November 8 2010 Australian Dollar Inflation Interest rate Leave a comment Comments are closed Finance News RBA rate announcement Banks Mining Towns and Rental Yields Houses outperform units in capitals Positive return for Qld market Whats happening with Vacant Land Sales Credit conditions restricting construction Housing Values Rise Housing Facts Rates on Hold New home sales at 2 year high Categories Australian Dollar Bank fees Bank Profits Budget Enconomy Finance News Financial goals First

    Original URL path: http://www.formula1finance.com.au/interest-rate/interest-rate-hike-likely-mid-2011/ (2014-01-04)
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  • Strong AUD may pause interest rate rise Formula 1 Finance
    needed next year as the improved exchange rate works to slow the economy Previously economists have predicted that the RBA could hike rates by 100 basis points throughout 2011 I don t think the strength of the Australian dollar would change the view that there will be another rate hike this year The appreciation of the AUD seen so far is not enough to change the forecast for a 25bp rate rise by end year in my view I expect this hike to occur in November but will be watching the CPI released October 27 and credit data released October 29 closely to confirm I still expect rates to rise by another 100 basis points over 2011 though further appreciation of the exchange rate could start to dampen that expectation Of course if the exchange rate depreciated sharply from here which would likely reflect a negative global shock it would be necessary to reassess the interest rate forecasts Brett Colley 365 Posts Brett has been involved in management in the finance industry for over 13 years Brett s diverse experience in finance real estate developments and all facets of the construction industry confirms Formula 1 Finance to be an innovative professional finance broking firm On October 11 2010 Australian Dollar Interest rate Leave a comment Comments are closed Finance News RBA rate announcement Banks Mining Towns and Rental Yields Houses outperform units in capitals Positive return for Qld market Whats happening with Vacant Land Sales Credit conditions restricting construction Housing Values Rise Housing Facts Rates on Hold New home sales at 2 year high Categories Australian Dollar Bank fees Bank Profits Budget Enconomy Finance News Financial goals First Home Buyer Government banking reform Home loan product House prices Inflation Interest rate Rental Growth Stamp Duty Technology Wealth January 2014 M

    Original URL path: http://www.formula1finance.com.au/interest-rate/strong-aud-may-pause-interest-rate-rise/ (2014-01-04)
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  • Banking reforms bad news for brokers Formula 1 Finance
    is a good chance the banks may look to recoup their costs from mortgage brokers Indeed if exit fees are removed we could see commissions cut or clawbacks increased Like all businesses banks do need to pass on their costs to customers but whether the banks just absorb those costs off their profit line or whether they pass them on in some other way is down to the individual bank If mortgage broker commissions are cut further we will need to charge the consumer for the service or close up shop This is typical of labour governments making changes that suit the end consumer but dam the small business owners When will they ever learn that it is the small business owners that employ the most people which in turn keeps this country going Take the governments paid parental leave scheme great idea but expecting a small business owner to implement a welfare scheme is not only unreasonable but costly also Brett Colley 365 Posts Brett has been involved in management in the finance industry for over 13 years Brett s diverse experience in finance real estate developments and all facets of the construction industry confirms Formula 1 Finance to be an innovative professional finance broking firm On December 14 2010 Bank fees Government banking reform Leave a comment Comments are closed Finance News RBA rate announcement Banks Mining Towns and Rental Yields Houses outperform units in capitals Positive return for Qld market Whats happening with Vacant Land Sales Credit conditions restricting construction Housing Values Rise Housing Facts Rates on Hold New home sales at 2 year high Categories Australian Dollar Bank fees Bank Profits Budget Enconomy Finance News Financial goals First Home Buyer Government banking reform Home loan product House prices Inflation Interest rate Rental Growth Stamp Duty Technology

    Original URL path: http://www.formula1finance.com.au/bank-fees/banking-reforms-bad-news-for-brokers/ (2014-01-04)
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  • Banks interest rates Formula 1 Finance
    Institute report the major banks have been profiteering by lifting rates above the RBA s official moves All the major banks have consistently claimed that their costs are rising by more than the official rate moves I have no doubt that these banks are exploiting their market power to gouge excessive profits from their customers This year the big four banks earned pre tax profit of around 1 300 per annum for every man woman and child in Australia The latest round of interest rate rises shows just how insatiable their thirst for profits is Banking in Australia is essentially a rogue market in which a small number of winners take all There is a clear case for government to take action with a combination of regulation structural reform and improving competition Brett Colley 365 Posts Brett has been involved in management in the finance industry for over 13 years Brett s diverse experience in finance real estate developments and all facets of the construction industry confirms Formula 1 Finance to be an innovative professional finance broking firm On November 17 2010 Bank fees Bank Profits Inflation Interest rate Leave a comment Comments are closed Finance News RBA rate announcement Banks Mining Towns and Rental Yields Houses outperform units in capitals Positive return for Qld market Whats happening with Vacant Land Sales Credit conditions restricting construction Housing Values Rise Housing Facts Rates on Hold New home sales at 2 year high Categories Australian Dollar Bank fees Bank Profits Budget Enconomy Finance News Financial goals First Home Buyer Government banking reform Home loan product House prices Inflation Interest rate Rental Growth Stamp Duty Technology Wealth January 2014 M T W T F S S Dec 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

    Original URL path: http://www.formula1finance.com.au/interest-rate/banks-cost-of-funds-just-an-excuse/ (2014-01-04)
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  • Refinancing could be costly Formula 1 Finance
    think before you leap It may take several weeks before all lenders put their rate and fee changes in place including fixed rates so until you know what the reshaped market looks like the risk is that you make a costly decision ASIC s new legislation which requires banks to justify their exit fee charge has added extra uncertainty to the mortgage industry and must be considered by consumers Exit fees are under scrutiny at the moment and even if you are looking to refinance with your existing lender then it is definitely worth waiting to see what happens with these fees Be assured the banks will not loose out on profit If they remove their exit fees they will make it up in some other area I think the Labour government needs to be careful what it wishes for as it is playing with fire The opposition is on the right track more competition is needed Brett Colley 365 Posts Brett has been involved in management in the finance industry for over 13 years Brett s diverse experience in finance real estate developments and all facets of the construction industry confirms Formula 1 Finance to be an innovative professional finance broking firm On November 16 2010 Bank fees Interest rate Leave a comment Comments are closed Finance News RBA rate announcement Banks Mining Towns and Rental Yields Houses outperform units in capitals Positive return for Qld market Whats happening with Vacant Land Sales Credit conditions restricting construction Housing Values Rise Housing Facts Rates on Hold New home sales at 2 year high Categories Australian Dollar Bank fees Bank Profits Budget Enconomy Finance News Financial goals First Home Buyer Government banking reform Home loan product House prices Inflation Interest rate Rental Growth Stamp Duty Technology Wealth January 2014 M T

    Original URL path: http://www.formula1finance.com.au/interest-rate/refinancing-could-be-costly/ (2014-01-04)
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  • Sell Early For Better Results « Formula 1 Finance Formula 1 Finance
    excessive levels of discount Over the past five years homes that sold in less than 30 days recorded an average vendor discount of 3 9 per cent Homes that sold between 30 and 60 days attracted an average discount of 5 2 per cent while homes sold after more than 120 days on the market were discounted by 10 1 per cent While not every home is going to get an offer within the first 30 days a property is most likely to receive offers when it is newly listed for sale Buyers rush out to see a newly listed home they know the market and are ready to move on the right home For this reason it s important for sellers to set a realistic price in order to get a quick sale with a low level of discount The longer the property is on the market the more its perceived value erodes as buyers start to wonder why it hasn t been sold Brett Colley 365 Posts Brett has been involved in management in the finance industry for over 13 years Brett s diverse experience in finance real estate developments and all facets of the construction industry confirms Formula 1 Finance to be an innovative professional finance broking firm On September 12 2013 Enconomy Finance News First Home Buyer House prices Comments Off Comments are closed Finance News RBA rate announcement Banks Mining Towns and Rental Yields Houses outperform units in capitals Positive return for Qld market Whats happening with Vacant Land Sales Credit conditions restricting construction Housing Values Rise Housing Facts Rates on Hold New home sales at 2 year high Categories Australian Dollar Bank fees Bank Profits Budget Enconomy Finance News Financial goals First Home Buyer Government banking reform Home loan product House prices Inflation Interest

    Original URL path: http://www.formula1finance.com.au/finance-news/sell-early-better-results/ (2014-01-04)
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  • Financial Planning Competency Handbook « Formula 1 Finance Formula 1 Finance
    is the ultimate guide Developed by Certified Financial Planner Board of Standards Inc CFP Board the Financial Planning Competency Handbook gives you everything you need to meet the daily challenges of your current or future profession The book comes with access to nearly 400 practice questions online as well as the option to upgrade to a 28 Credit Continuing Education test for CFP professionals based in the United States This all inclusive handbook covers the entire list of nearly 90 vital topics on integrated financial planning including such major components as General Principles of Finance and Financial Planning Insurance Planning Employee Benefits Planning Investment and Securities Planning State and Federal Income Tax Planning Estate Tax Gift Tax and Transfer Tax Planning Retirement Planning Estate Planning Principles of Communication and Counselling And more Brett Colley 365 Posts Brett has been involved in management in the finance industry for over 13 years Brett s diverse experience in finance real estate developments and all facets of the construction industry confirms Formula 1 Finance to be an innovative professional finance broking firm On May 14 2013 Finance News Financial goals First Home Buyer Wealth Comments Off Comments are closed Finance News RBA rate announcement Banks Mining Towns and Rental Yields Houses outperform units in capitals Positive return for Qld market Whats happening with Vacant Land Sales Credit conditions restricting construction Housing Values Rise Housing Facts Rates on Hold New home sales at 2 year high Categories Australian Dollar Bank fees Bank Profits Budget Enconomy Finance News Financial goals First Home Buyer Government banking reform Home loan product House prices Inflation Interest rate Rental Growth Stamp Duty Technology Wealth January 2014 M T W T F S S Dec 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

    Original URL path: http://www.formula1finance.com.au/finance-news/financial-planning-competency-handbook/ (2014-01-04)
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