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Forward Thinking Finance

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25.01.2022 You might want to watch this.

25.01.2022 Now this news in the USA will be interesting to watch play out this week. The timing of shutdowns here in Australia over Christmas is also interesting for potential stimulus into 2021.

24.01.2022 NSW first home buyer stamp duty changes.

24.01.2022 It will be interesting to watch the land prices increase as each stage is released.

23.01.2022 A citizen's dividend! Did you know Alaska pays their citizens an annual dividend? For 2019 the amount was $1606. www.pfd.alaska.gov/Division-Info/About-Us

22.01.2022 This statement from the RBA Governor today is very important. Interest rates expected to stay low for at least three years.

22.01.2022 Very interesting video about the value of gold vs the dollar. I'd suggest you watch this and understand it as governments all around the world keep printing more money than ever.

20.01.2022 This video should be played to every student in high school, it was published in 2012. The debt they discuss sounds like cents in the dollar compared to the deficits countries have now.

19.01.2022 Great article on the Home Builder Grant and banks not accepting the $25,000 as part of the deposit. It's been very frustrating for our first home buyers wanting to use the grant to supplement their savings.

19.01.2022 The following comment is from a Gold Coast real estate agent: "My last two sales a week ago. Listed on a Wednesday, one with 52 groups of buyers at the first open home and 15 offers, one with 32 groups at the first open home and 12 offers. Both sold after the first open home." Source: Mishy Canning LJ Hooker Palm Beach... The above results from those two open homes on the Gold Coast is just the start of what is to come for SEQ , pandemic shutdown or not. (Note: there are markets within markets. Shutdowns may affect units in a highrise but the house one street away may not experience price declines or a lack of tenants) Don't believe me, then you better start researching Phil Anderson. I followed Phil's work prior to the GFC and it appears that his 18 year cycle theory is repeating. Here is a video of him in 2010 stating what was coming in residential property: https://youtu.be/pB20wF18uiQ

19.01.2022 Qantas reports a 91% decrease in profit and share price up 1% in morning trade. Interesting times.

18.01.2022 We'll leave this here and review in around 2026 when the current 18 year cycle ends.

18.01.2022 Day trading! Investing or gambling? https://www.vanguard.com.au//insigh/investing-or-gambling

17.01.2022 As at 30 June, the ASX 30 Day Interbank Cash Rate Futures July 2020 contract was trading at 99.870, indicating a 62% expectation of an interest rate decrease to 0.00% at the next RBA Board meeting. The RBA is being pushed to zero! The politicians do not want to be at zero and will do all they can to prevent it.

16.01.2022 The cash rate at the RBA is now 0.10%. A cut of 0.15% today.

13.01.2022 First Home Loan Deposit Scheme. At Forward Thinking Finance we assist you in completing all the necessary documents for government grants and schemes for first home buyers. https://www.nhfic.gov.au/what-we-do/fhlds/how-to-apply/

13.01.2022 Here is a picture of the 10 year US bond yield for the past 50 years. Notice the downward trend since 1981? Remember the US could print as much money as they liked when they removed the gold standard in 1971. Watch the 10 year bond yield as the US prints more and more money and decreases the value of their currency.

13.01.2022 You may have heard about the 18 year property cycle. If you haven't then take a look at the chart below. If history repeats and the people behind the 18 year cycle are correct, then here is your crystal ball into the future. We are currently in the mid cycle slowdown (dip) and on our way to 2026. 18 year property cycle or not, the fundamentals to stimulate this next phase have already commenced:... - APRA has told banks to lend and use some of their capital reserves - Banks are lending (including for investment) - Interest rates are low (finance is cheap) - People's borrowing capacities are higher (banks have lowered their serviceability ratios) - Land values have not crashed - Government grants (First Home Buyer Deposit Scheme/HomeBuilder Grant/First Home Owners Grant) - Stamp duty concessions - Fast tracked infrastructure spending to stimulate jobs - Developers are able to obtain funding - Jobkeeper (some banks allow jobkeeper to service loans) This is not the GFC and the case for the 18 year property cycle should not be ignored. Send us an email if you would like to learn more: [email protected] au. Reference chart: I Love Real Estate

13.01.2022 Negative interest rates are being discussed again. https://thenewdaily.com.au//rba-philip-lowe-negative-rates/

11.01.2022 Friday update: we have received calls regarding the recent announcements by some banks offering 2 and 4 year fixed rates between 1.89% and 1.99%. Whilst these may sound like great deals and the lowest you've seen, please contact us before signing up. A lot can change in months and years when it comes to finance and a fixed rate may not be suitable for your personal circumstances. Remember back 6 months ago when everyone wanted the 2.29% 2 year fixed rate with CBA? Doesn't look the cheapest now does it.

08.01.2022 Here it is ladies and gents. Interest rates to stay low and further assistance from the RBA to continue throughout 2021 for banks. Do not fix your interest rate before talking with us first. Share this with anyone listening to their bank manager, many so called finance experts will try and lock you in. Read the last paragraph of the media release, the RBA has committed to low interest rates. https://www.rba.gov.au/media-releases/2020/mr-20-20.html

08.01.2022 Here is a link to the census page. Keep it in mind when researching your next property purchase. The updated website is due late September 2020.

07.01.2022 Reading articles like the one below reminds me of what I witnessed in the early 2000's on the Gold Coast. No coincidence that this is occurring all over again. https://www.realestate.com.au//downpour-does-nothing-to-d/

07.01.2022 Reporting season is upon us. Share prices are holding up even with companies reporting losses. Something is very odd about this. Maybe all the speculators are keeping share prices inflated. Or perhaps the government is buying up corporate bonds. Remember our major banks deferred dividends, that's one way to have balance sheets appear healthy. https://www.afr.com//social-trading-fuels-market-speculati

06.01.2022 More repayment holidays for those in financial difficulty. Another 6 months.

06.01.2022 The Government and now CBA don't want forced home sales. If you're waiting for "the cliff" or crash in residential property then don't hold your breath.

03.01.2022 Universal Basic Income! This is being discussed alot lately and by a number of countries. https://www.facebook.com/126055564125432/posts/3374337995963823/

02.01.2022 https://www.brisbanetimes.com.au//governments-must-spend-r

02.01.2022 Merry Christmas and Happy New Year! Our office is closed from the 24th December 2020 to the 4th January 2021.

01.01.2022 More evidence of land prices increasing and in demand on coastal areas.