 Can any one help me make money online ? |
I am fed up loosing money and wasting time online can any one show me how to make money?
http://www.squidoo.com/e
CHARLES... |
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 I need 30 bucks and im 13 how can i make 30 bucks? |
my parents dont give me money if i do work around the house
and some people know why i need exactly 30 bucks
Additional Details
hopefully someone figures ... |
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Yahoo!7 Finance Team | How will February's interest rate rise affect you? |
The Reserve Bank of Australia has announced another interest rate rise. This means the average mortgage now costs $3,550 more per year than it did in 2006.
Will this rate rise affect you and how will it change your attitude to your home loan if you have one? - Yahoo!7 Finance Team
For more information and home loan hints and tips visit –
http://au.pfinance.yahoo.com/home-loans/interest_rate_rise/index.html
and
http://au.pfinance.yahoo.com/home-loans/features/fixing-interest-rate/index.html |
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Robby
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I think there are too many increases of the interest rates or the others at the moment.
I am not very concern about it cause i save my money and pay attention on my spending. |
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bellie19752000
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Not greatly, i haven't over done it on the loan front. Before purchasing my property i thought to myself right, what is the most i can afford to pay if i was not working and having to rely on centerlink payments. And so that's how much i borrowed. |
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Iguanamate
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Badly I'm afraid.
I've been stretched to the limit paying my mortgage and living in the country - the drought hasn't done much to improve my income.
We are sadly thinking of selling - perhaps a renter's life and a nice investment maturing quietly somewhere is the better way to go. |
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Daniel L
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I'm really worried.
I lived in Germany in 2000 when the same thing happened and resulted in a 5 year recession.
Interest rates where going up -> people couldn’t pay there mortgages anymore -> to much houses on the market -> house market crashed -> building market was next as no new buildings where needed -> people got laid off -> start at point 2 again and also consider effect on supply industry.
Rent prices go up -> people can’t afford rent -> social network get stressed to limits
I sincerely hope our government will handle this better. |
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Helen E
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I'm okay because my mortgage is a modest $50,000 and it's only put my repayments up by $8 a month, but I do feel for all the battlers who aren't as fortunate as me. I don't think the RBA should use interest rates as a blunt instrument to cosh homeowners with. A lot of the big spenders causing the inflation problem don't have mortgages anyway, so they're going to carry right on spending. Plus, high interest rates (and they ARE high compared to Europe, the UK and the US) are hurting business in multiple ways - not just the cost of borrowing. For example, the Aussie dollar gets even stronger when rates go up, which makes it tougher to export our products.
The RBA and the government should get together to formulate a long-term strategy to cure the causes of inflation, instead of sticking a band-aid on the problem every month by shoving rates up.
Bung eye - if you really lived in Australia you would know that our elections are every three years. |
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Goonhilda
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I'm fine. We had a HUGE deposit (30% at least) and we only borrowed less than $120000. We currently have nearly $30 000 in the redraw. We're on minimum wage.
I think the rate rise will only be a problem for those who are overcommitted. I believe that owning your own home is a good thing, but some people want to own homes in areas that are way out of their price range. They overborrow, and then risk losing their homes, or actually lose their homes, when interest rates rise. They would be better off forgoing the first home owners grant and buying an investment property in a much cheaper location, and using that to build a property portfolio. Then when they have several homes under their belt, they can purchase a home in their chosen area.
I think people are way too focussed on the major capital centres. There are plenty of jobs and a great lifestyle (without the commute) in regional areas and regional centres. I would never live in a capital city. I'd have no life at all, no disposable income, and be forced to add an hour round trip to my daily commute, which is currently a 5 minute drive.
People were spoilt for a long time with low rates. Those times are over. People need to adjust their spending habits and be smart with their money if they're going to get what they want. We'll have our home paid off in 5 years. For most people that's a fantasy. |
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Smokin Blunts
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I am only 15 so I do not have a mortage yet :P
That 3,550 is alot of $.
That could save a family in a 3rd world country, that could
pay for your family vacation,
that could pay for your kids first 10 years in hockey.
I disagree with them raising their interest rate,
but you have to think about the other part of the story.
That $ you put in will make you more $ in the long run.
So I disagree & agree :) |
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d
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I don't think it will affect me much at all. I don't think that the interest rates are very high - I had the misfortune to have just bought my first house the year that they skyrocketted to 18% in the 1980s, I would never borrow so much that I couldn't repay the loan if the interest rate rose significantly.
Unfortunately I think this will have the biggest impact on renters as I have several rental properties with loans against them - like other landlords I'll be passing as much of the costs as possible on to my tenants. |
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Big Raymond
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Hahaha....
I fixed my rate couple of years ago.....6.59% !!!!! what about that for a smart boy. I bough an investment property a couple of months ago and fixed that at 8.09% for 2 years. By the time we come off the peak of about 9.25 - 9.5% both of my mortgages will be up for re negotiation.
Source, read The Age every day, stay in the loop, or you will end up making the wrong decsion.
Hot tip, don't fix now, it's too late, rates have almost peaked, they will probably start to drop in the next year or so. (i hope)
Obviously "bung_eye" is having trouble reading up on Aussie politics.....lol |
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PerthGirl
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Luckily we recently sold and downsized our home to reduce our mortgage so we are OK on our primary home. We also managed to fix the interest rate for 4 years on our investment property in November before the rate rise so that one is good as well. I hope the government can stop the interest rate rises as there are so many Australian being affected. |
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peetie_swie_2000
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not at all I own my own house |
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Chook
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Well I don't have a home loan at the moment, but it's not encouraging me to get one! And if I did I'd think twice about a fixed rate, as they will hopefully go down again soon.
I am an average wage earner - buying a house is not a realistic goal for me at the moment, I'd definitely like to, but what's the point if it means you can't enjoy your life.
Interest rates are a fact of life, but so are recessions. |
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Jasmina
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Well, I just got a promotion, so I guess I won't feel it as much, but it is making me rethink my spending, and my mortgage repayments. |
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me
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I am one of the few lucky ones that did not have to borrow more than $100000 to buy my home. I also made sure that I was able to pay more than minimal repayments and therefore I haven't had to change what I pay per week. I can still afford another probably 8 interest rises without having to contribute more to the repayment of the loan. This for a single mother of two is great.
I don't have sympathy for people who have gone out and borrowed more money than what they could afford to pay back. When it comes to finances people should be better informed about what could happen and counter that in when taking out a loan. Although I do feel sorry for the people who will lose their homes due to bad planing but at the end of the day people should really live within their means. |
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handsome
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People should not forget that on a whole that the rates are coming from historical lows. Astute borrowers should have already been prepared for rate rises |
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eleanor n
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it has started to give stress..i am planning to reduce my hours with my second job because of fatigue.. now this is great!!! how can i proceed with my plans if i need more money to meet my mortgage. |
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willmakxam
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You think that is BAD!
Look at what is happening in the United States!
(Sub prime to REAL rates of interest)
What is happening in America... could spread to Australia.
This is a typical trend that occurs in most down turns.
A down turn in the Australian housing market is long over due.
And for those who have been waiting, patiently, will be rewarded by price corrections of 10-20% per year.
The quicker the market corrects... the sooner the market can rebound. So price in the cost of building or discount current prices by 30%... and or... these are the TRUE values of urban house prices.
Prices have to stop going up!
The speculators have to learn that prices can drop as quick as they have been going up.
lets see what happens.
good luck all
w |
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!! TAXI !!
 |
Won't really impact me negatively.
I know this will sound crass to others, but I see it as an opportunity - there's going to be a lot of foreclosures, and therefore a time to pick up some real bargains on the real estate market. And to top it off, there will be an increase in demand for rental properties, so it's all good for me!!
Sorry, but it's a fact of life. Bet all you Labour voters are wishing you cast your vote more wisely, eh??
EDIT - "bungeye" knows where I'm coming from....... you're spot on mate, no one seemed to remember the pile of "doggie doo" the last Labour gov't left the country in. Australia is back to where we were 11 years ago, eh??
Fortunately I'm on an extremely good salary, but I feel for those less fortunate than me, I honestly don't know how they survive!! The irony is that those that voted Labour are the ones that are going to feel the effects of the interest rate rises the most....... |
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bung_eye
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I think AUS is in for a shock, once these misfit that are in federal government start giving in to their factions and union wants we are in for 1 hell of a ride, inflation and interest hikes are the norm for these outdated misguided socialists, its like history repeating, its a bit of the old "reap what you sow". I have an average income, five kids and a wife to feed, house and clothe, and yes these rises do make life harder, but that means we just have to try harder and wait for the next Conservative government to fix it all again.......4 long years! |
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International Scotsman
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Not living in Australia it will not affect me directly, however I do have a business which can operate in that country, and this business is all about helping others to increase their monthly incomes.
So I would say that the interest rate rise could be extremely beneficial, if Australians wanted to find a way of getting some more income, even if it is just to pay their mortgages. |
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