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@johnnytruent Күн бұрын
Thanks guys been very helpful these past 12 months with your insights
@3800TURBO 3 күн бұрын
From what ive seen banks are flexible depending on the borrower with regard to the buffer. I don't think there is a set nunber.
@geoffvalero3516 4 күн бұрын
Politicians (looking after their own interests and that of their lobbyisits) trumps the need for reform...destroying the future of this country is just collatoral damage.. is basically how Kouk describes the current crop of politicians..very accurate and very shameful for straya
@geoffvalero3516 4 күн бұрын
what difference is there bw ALP and Lib??..they both represent the lobbyists not the people.
@Zeniithe 4 күн бұрын
If we're exporting tonnes of coal and gas to China and we have heaps of it why is Jacinta Allan is saying it's nearly run out?
@geoffvalero3516 4 күн бұрын
because our federal politicians are morons or corrupt (both Lib and ALP) they signed contracts with no reserves for Strayans..so chinese now buy our Gas for a pittance and sell it back to Strayans at a profit.
@herbertvonsauerkrautunterh2513 5 күн бұрын
The underlying problem is this interference and over regulation in what sold be a free market. The lender should decide and not the government. Let people fail who night off more than they can chew. Same goes for businesses and other individuals. Then we might see a real correction based on real circumstances and the market will regulate itself. Government interference in all things is the root cause and of course the uneducated, unsuspecting and government trusting voting public.
@nathandunn3310 5 күн бұрын
Working with Gillard 😅. That’s says a lot
@jamesmadden7870 5 күн бұрын
House prices are down 30% in 2025 😊
@s.p.3575 5 күн бұрын
Merry Christmas. Thankz for your time and for sharing your thoughts. Live goes on regardless of rates. We all know Rba and the government are using their tools. Their great for them. The more we are screwed, More Australian is screwed the more we work for less, the better the economy. Tax,hidden tax,inflation. Political are not that knowledgeable in economy.
@jamesmadden7870 5 күн бұрын
U will be swimming across the harbour in 2025
@lukekevins1 5 күн бұрын
If it drops will you swim across it?
@PolyC-888 5 күн бұрын
The rates are still cheap - you talk about the pandemic nobody saw it coming - this is untrue many people saw it coming - inflation down? Go to the supermarket and fill your trolley and then answer if inflation is down - the problem we have is socialism just look at Victoria- their debt will affect all Australians- the other problem is we have dopes that believe we should get to net zero - Australians electricity should virtually be free given the resources we have but we have politicians who have sold us out - but people are still asleep.
@BennyLC79 5 күн бұрын
A people that elect corrupt politicians are not victims....but accomplices
@wildflower7574 5 күн бұрын
Merry Xmas team. Thanks for a great year 🎉🎉
@yellowbrickroadtv 5 күн бұрын
Happy holidays!
@FromTheMosh 6 күн бұрын
Bitcoin
@rof8200 6 күн бұрын
We'll just end up exporting to the USA
@WhyNot-x5z 6 күн бұрын
No we got useless Labour and Albanese.🤬
@bluejayfabrications2216 6 күн бұрын
I like this style of Q and A Thanks for time and insight
@draganmilankovic5814 6 күн бұрын
PLANDEMIC !!!
@Thattopnote 5 күн бұрын
The fact these guys still call it a PANDEMIC says to me they are still sound asleep.Especially Kouka. No idea.
@ausairman 5 күн бұрын
@@Thattopnote what would you rather they call it?
@Thattopnote 5 күн бұрын
@@ausairman ah you're asleep as well. Nighty night.
@ausairman 5 күн бұрын
@@Thattopnote you're trying to evade the question
@vincentcacciola7161 6 күн бұрын
The Australian economy is totally screwed look at how much disposable income is being sucked out of the economy just on mortgages and rents not to mention power, wow that's got to be crippling
@dynamic283 6 күн бұрын
But hey at least all the property investors are swimming in money 😂
@RoryGray666Psychedelic 6 күн бұрын
Not all property investors are swimming in money mate especially the large proportion of mum and dad investors.
@AussieZeKieL 5 күн бұрын
@@dynamic283you mean the banks are loving the interest repayments.
@cycology2003 5 күн бұрын
Cost of living pressures more I think, health expenses/trades & services, groceries, costs of food & labour etc. But I think a big concern is lower Australian earnings or GDP, with big drop off in revenue from coal, iron ore, other metals and mining & primary production also. Big spikes in particularly these export markets past few years, brought in enormous royalties and positive balance of trade for us. Labour shortages ++ governments significant spending on buildings also, lucrative government building contracts meant less building and labour availability and much higher costs for the private sector, escalating prices home building costs or not be profitable for builders to take on contracts with labour and input costs higher, increased government public service jobs too, high sustained immigration levels too - wages have gone up, inflation, interest rates were risen quickly and now been sustained higher into 2025. This should all start to ease. Take pressure off mortgage holders But if gross income for Australia falls. Mine closures. Already projects and additional development being paused, a lot of redundancies esp in WA mining & also associated processing hubs. If we see more of this + AI touted to decrease workforce (automated machinery, vehicles even, admin systems, less workers due to costs and liabilities) - this be more of a worry if people can’t pay their mortgages with lost jobs and income. In a lucky country it is unbelievable that we don’t have more & cheaper abundant energy for instance, would stimulate and support entire country and economy. Government can’t subsidise forever.
@marcoschena99 6 күн бұрын
Thanks gents, appreciate your efforts and listening to your views, insights and predictions.
@yellowbrickroadtv 6 күн бұрын
Our pleasure!
@bRightAgent_Aus 6 күн бұрын
A great year of Property Insights!
@j-man8681 6 күн бұрын
Stupid stuff going on! Point 1) if the rba didn’t raise rates inflation would not have gone up as high as it did (hence half of it was of their own making). Point 2) this obsession with unemployment rate is pathetic & useless (jobs market has been changing radically ie uber, fivver, airtasker, contracting & number of Abn’s) Point 3) how many drew down their super or pulled from long term savings which will impact long term structural finances RBA has lost the plot & looks to be just shifting excess wealth from individuals to corporations & banks. If the RBA did nothing during the pandemic we would all be much better off…. Apart from banks & large corporate profits. What a shocker!! 😮
@crazyham 6 күн бұрын
Thanks Guys 👌
@SimmoR-mr9by 7 күн бұрын
A drone is not going to fix your house...or build it. Keep trades alive...keep Tafe alive. Incentive has gone. We can't all be you tube stars.
@SimmoR-mr9by 7 күн бұрын
We sell all our natural resources for nothing and guilt trip ourselves for using them. We all should have cheap power and gas and so should industry.
@TheFleetz 7 күн бұрын
The blame on interest rates is miss guided. Many took up unrealistic and obscenely low interest rates which were never going to be sustainable at 0.1%. The rates now are about normal and reflect the fact that those who had taken out mortgages when the rates were at around they are now are not going through mortgage stress. Only those that took large loans bases on 2-3% are in stress now……the inflation rate resulting in high cost of living is the pain point. Expecting rates to come down to offset high inflation is not realistic. The government is the cause and making of the current situation and high inflation. Stupidly high house prices driven by supply and demand from unrealistic immigration is the one of the main problem right there. 550,000 immigration and irresponsible government spending, 7 quarters of negative growth putting us in a technical recession…..game over.
@FlatTire 7 күн бұрын
My repayments went double, I can’t sell because it doesn’t solve anything. I can’t refinace because I don’t qualify… I feel I’m trapped in this situation where I only work and keep paying until I sink here or there, depending on what our owners decide. It’s all a huge hoax created by wealthy mofos
@austinmackell9286 10 күн бұрын
Economic analysis has degenerated to 'The market wants the drugs. Give the market the drugs.'
@Greg-k4j 10 күн бұрын
We’re having loads of employment that produces nothing… ndis will make the nuclear submarines look cheap…
@duncan7855 10 күн бұрын
Does that mean the weighting of housing in the basket is 50% since most of us now spend that much of our income on housing!
@SimmoR-mr9by 11 күн бұрын
We are all paying for shit that's 2 or 3 times what it's really worth. It's bullshit.
@Dilmahteabags 11 күн бұрын
We really need to lower immigration rate significantly on top of that the government needs to start selling the country’s resources and stop giving it away and we need a government who is going to invest in manufacturing. Australia needs to stop being a housing and services country.
@lonnieneal9864 11 күн бұрын
Does the RBA ever vtake into account the ever rising cost of insurance?? That cost will only ever keep inflating, which will keep push up inflation.
@bigbadgjn 11 күн бұрын
It’s not uber, it’s NDIS
@bigbadgjn 11 күн бұрын
The government and the tax payer funded NDIS are employing massive amounts of money
@j-man8681 11 күн бұрын
The scam system is finally starting to get exposed … keep putting the power into the banks who are already making record profits. RBA has no grip on reality. The cartel is bigger than what we regular punters see …
@michaelbananas461 12 күн бұрын
Stocks and housing are insanely overvalued by historical metrics, and yet he puts it in the "neither tight nor loose" category. I think kouk would be worried about raising rates even if houses were doubling each week because the "pace of increases" slowed from triple each week.
@quantarrow 13 күн бұрын
Don't simply retire from something; have something to retire to. Start saving, keep saving, and stick to investments. Everyone should have BTC in their portfolio.
@mfmcintyre 13 күн бұрын
Absolutely! Profits are possible, especially now, but complex transactions should be handled by experienced market professionals.
@grizbaseball 13 күн бұрын
Finding yourself a good broker is as same as finding a good wife, which you go less stress, you get just enough with so much little effort at things
@ClaudiuDenis-hp4pf 13 күн бұрын
he's mostly on Telegrams, using the user-name
@ClaudiuDenis-hp4pf 13 күн бұрын
Robertcox2 💯..that's it
@KaylaAnn11896 13 күн бұрын
Thanks for the info. I'll reach out to him immediately
@tasyamaksimenko2162 13 күн бұрын
i dont know why jim n arbo want interest rates cuts which would lead house price hike, u lost the election cause house price up!!!
@Dilmahteabags 13 күн бұрын
What is the governments goal? Is it to make living so unaffordable here. Who are they favouring and what do they want to take from us.
@leonard6277 13 күн бұрын
I remember listening to Stephen at the Gold Coast Mayor's breakfast last year talk about how SME's are the key to coming out of these tough financial times yet government spending has jumped from a pre-pandemic decade averages of about 22.5 per cent of GDP to a record high of 27.3 per cent in the June quarter this year. Why do the middle class continue to get squeezed for the benefit of the few in Australia ?
@matthewriddle-tt8mi 13 күн бұрын
Real rates are at zero or negative Inflation ain’t what’s being reported 3.5 % yeah right Real inflation is about 6% our purchasing power has been smashed What’s the price of gold in AUS it’s a massive warning to all of us War is coming get ready
@crazyham 13 күн бұрын
All the fugures are fudged. Keep up the great work though guys.
@duncan7855 10 күн бұрын
And lagging!
@crazyham 10 күн бұрын
@duncan7855 Driving while looking only in the Rear View Mirror through binoculars 🤣
@crazyham 13 күн бұрын
Chalmers won't critisize the RBA especially as he ageed that the RBA shouldn't be subject to governement oversight.
@JohnWoodley-s6u 13 күн бұрын
You watch many of those ABN will faulter by next financial year.
@JohnWoodley-s6u 13 күн бұрын
Not UBER!
@JohnWoodley-s6u 13 күн бұрын
Sorry guys , but the uplift in company registration is off the back of new Australians immigrants registering as a NDIS provider.
@_hannbee 13 күн бұрын
If unemployment is skewed so much in the current age (particularly when unemployment payments aren't enough to even pay rent let alone eat right now) should it REALLY weigh so heavily in the economy now? In the same way cigarettes are no longer considered in your basket of groceries, and phone are an essential item now? Who decides what weighs what?? (new watcher been enjoying learning so much from you guys!)
@jameswillis8969 13 күн бұрын
The RBA doesn’t include the price of money in their inflation index, because they’re the monopoly supplier
@impactlifestyle9733 13 күн бұрын
Get matt barie on.. kouk is cooked
@darkphoenix8350 13 күн бұрын
That same guy has been predicting recession ever since 2018 and it didn't happen.
@bobjones2229 7 күн бұрын
@@darkphoenix8350 not to defend by any means but economy is manipulated lately by money print and any number of fingers rest on the scales