Given the persisting global economic crisis, it's essential for individuals to focus on diversifying their income streams independent of governmental reliance. This involves exploring options such as digital currencies. Despite the adversity in the economy, now is an opportune moment to contemplate these investment avenues. Thanks to Loraine Souvenir for her exceptional guidance and support in mastering these essential skills! so glad I started her program.
Having access to reliable information is crucial for us as investors to succeed both financially and in life. This is valuable, I've just looked up her full name on my browser and found her webpage without sweat, very much appreciate this
It's truly refreshing to see a comment about Loraine Souvenir. I've also had the pleasure of working with her for several months after discovering more about her online. She has a knack for simplifying complex issues, whether it's a market surge or decline. Her approach consistently keeps you ahead of the curve. I'd call her a guru, for sure
Thank you for sharing your experience. She’s helped grow my reserve, despite inflation, from $87k to $246k as of today..Her insights and daily siignals are worth following.
I'm so impressed knowing how much people talk good about her expertise! Following her strategies for months has helped me achieve financial stability. She guided me in identifying key market trends, strategic entry points, and provided risk assessments, ensuring my trade decisions align with market dynamics for optimal returns.
Thanks for sharing this here. A lot of beginners Like me are smashed out there every day. It's a good thing we have nice people here who want others to become successful as they are
Just look at your headline MORTGAGE RATES WILL CUT IN MAY 2025. You’re basically confirming it will to people. Just whack your disclaimers on the end and bamb no responsibility taken right lol.
"The data suggests that there a lot of people sitting on the sideline _cashed up_ but just don't have the borrowing capacity". This statement makes very little sense.
@@Hellbourne1994 Still doesn't make sense. How did you manage to 'have the cash' on the sideline to begin with if income is an issue? And if you are cashed up, surely you don't need to borrow that much to the point that your income makes or breaks your borrowing capacity? (Unless you are not planning to put too much skin in the game in the first place, which means mentioning you have 'the cash' is rather irrelevant)
@@uberboiz Plenty of explanations, one example is someone living with their parents working an average job and saving heaps, they don't have the wage to qualify for the current interest rates but they have substantial savings.
@@uberboiz Your clearly not understanding, there are two perquisites that banks look at to get a loan, savings and wage. You need to pass on both accounts in order to get approved. Lots of people are saving and holding onto their money, they have been for the past 2 years now due to interest rates. I myself am one of those people, I have an offset account so instead of paying my mortgage to reduce interest I just stack up savings in that account to reduce my interest, when interest rates fall my borrowing power increases, I can then use the savings I have to get a loan for a rental. Similarly many people will have the savings right now but at the current interest rates they dont have a high enough borrowing power to buy a house, this will change when rates fall. Do you understand now?
I doubt it, I see it staying the same or going up. Inflation is not going away until the interest rate is higher than the TRUE inflation rate. The government is using the Philips curve when its comes to tackling inflation, which is not going to work as it is the printing of money that is the creation of inflation. This is just my opinion, we will find out in May if I am right or wrong.
Interest rate cuts would result in less people needing to sell their properties and more people able to get loans and look to buy properties. Results in less supply and more demand so prices can only go up.
Exactly! People must stop thinking RBA decision will immediately reduce their interest on mortgages because we are talking about two different maturities or two different interest rates. The cash rate (short term) will have at some point an effect on 10-year and 30-year bond maturity (long-term) both of these having a more direct impact on mortgages rates.
Isnt it amusing when they say rates cuts in november 24.. didnt happen Rates cuts February.. probly wont happen.. and now your saying May 25.. delayed yet again.. starting to wonder if its ever going to happen.. As if they are going to make things better/easier for people
The Macrobusiness has a good article today about unemployment, stalled wage growth and Albos unlimited indian migrants. Basically Australia is in deep trouble.
I have given up the dream of buying a home for living. With property influencers constantly instilling the FOMO, property prices are never going to come down. Sometimes it looks like a Ponzi scheme where artificially the supply is maintained low so the demand keeps increasing to maintain the demand and keep propping up the median price.
It's what the RBA is doing, not what they said. The RBA knows that once rates are cut, property speculators will push up housing costs, so they're going to keep a steady path of low to no growth in house prices until incomes catch up-so 10 years. Property investors have had their run.
RBA repeatedly said that cost of housing is not their concern. Unless it's on the eay down course. If there is a drop in Sydney prices, inexpect RBA to cut
Economy doing way to good. Not cuts this year. Recently returned from the USA, 11 people on standby to join our flight. Airplanes full. Shopping Centre car parks also pumping. Doesn't look like people are doing to badly. I am seeing retail spend in December up 13% on same time last year, adjust for inflation, that's about 10% increase. Interest rates now are only slightly higher than the long term average. These rates are the new norm and are not that high in the early 2000's when our home loan rate changed to have a 7 in front of it we celebrated, then it had a 6 in front we were ecstatic. Our home loan now is 6.14%. Seems reasonable. Hang in there everyone. Review your spending if you are doing it tough.
Good question, many rely on the bank of mum or dad. Unfortunately we are in this situation because of mismanagement/poor planning by both sides of the political spectrum at both a federal and state level for decades.
There will simply be a group of people who are lifelong renters. There are ways to get a home, but there are psychological challenges which most won’t overcome.
Yes it is gonna be cut so much, banks will pay us to take loans. There was a time before covid, when treasury was actually testing negative rates. My investments in 3 world are doing so much better than here and there is so much demand. And don't even get me started on exchange rates. I want them to drop though, the pacific peso(aud) will tank with that step.
In the unlikely event a 25 or 50bp cut comes this year, it will do bugger all for borrowing capacity, definitely isn’t going to reignite a boom 😂 Higher for longer.
![Seungmin "그렇게, 천천히, 우리(As we are)" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/kAzmhLHePqU/mqdefault.jpg)
Given the persisting global economic crisis, it's essential for individuals to focus on diversifying their income streams independent of governmental reliance. This involves exploring options such as digital currencies. Despite the adversity in the economy, now is an opportune moment to contemplate these investment avenues. Thanks to Loraine Souvenir for her exceptional guidance and support in mastering these essential skills! so glad I started her program.
Having access to reliable information is crucial for us as investors to succeed both financially and in life. This is valuable, I've just looked up her full name on my browser and found her webpage without sweat, very much appreciate this
It's truly refreshing to see a comment about Loraine Souvenir. I've also had the pleasure of working with her for several months after discovering more about her online. She has a knack for simplifying complex issues, whether it's a market surge or decline. Her approach consistently keeps you ahead of the curve. I'd call her a guru, for sure
Thank you for sharing your experience. She’s helped grow my reserve, despite inflation, from $87k to $246k as of today..Her insights and daily siignals are worth following.
I'm so impressed knowing how much people talk good about her expertise! Following her strategies for months has helped me achieve financial stability. She guided me in identifying key market trends, strategic entry points, and provided risk assessments, ensuring my trade decisions align with market dynamics for optimal returns.
Thanks for sharing this here. A lot of beginners Like me are smashed out there every day. It's a good thing we have nice people here who want others to become successful as they are
Home owners don't care about interest rates. Mortgage owners do.
Ravi your on record saying rates would come down in March / April 2023. Your predictions are wildly off haha 😂
Markets change and one must adapt. I’m also just a RUclipsr so one shouldn’t take what I say seriously right 👀
Just look at your headline MORTGAGE RATES WILL CUT IN MAY 2025. You’re basically confirming it will to people. Just whack your disclaimers on the end and bamb no responsibility taken right lol.
@@Zomerealestatemediabasically what all these online finance guys say
But also if you’re dumb enough to believe them that’s on you
You did say that they would be cutting before the end of the year. RBA has held still.
"The data suggests that there a lot of people sitting on the sideline _cashed up_ but just don't have the borrowing capacity".
This statement makes very little sense.
You have the cash, but your income will be under the thresh hold required to borrow the amount you need for the house.
@@Hellbourne1994 Still doesn't make sense. How did you manage to 'have the cash' on the sideline to begin with if income is an issue? And if you are cashed up, surely you don't need to borrow that much to the point that your income makes or breaks your borrowing capacity? (Unless you are not planning to put too much skin in the game in the first place, which means mentioning you have 'the cash' is rather irrelevant)
@@uberboiz Plenty of explanations, one example is someone living with their parents working an average job and saving heaps, they don't have the wage to qualify for the current interest rates but they have substantial savings.
@@Hellbourne1994 Plausible scenario, but calling that an explanation is a bit of a stretch.
@@uberboiz Your clearly not understanding, there are two perquisites that banks look at to get a loan, savings and wage. You need to pass on both accounts in order to get approved. Lots of people are saving and holding onto their money, they have been for the past 2 years now due to interest rates. I myself am one of those people, I have an offset account so instead of paying my mortgage to reduce interest I just stack up savings in that account to reduce my interest, when interest rates fall my borrowing power increases, I can then use the savings I have to get a loan for a rental. Similarly many people will have the savings right now but at the current interest rates they dont have a high enough borrowing power to buy a house, this will change when rates fall. Do you understand now?
I doubt it, I see it staying the same or going up. Inflation is not going away until the interest rate is higher than the TRUE inflation rate. The government is using the Philips curve when its comes to tackling inflation, which is not going to work as it is the printing of money that is the creation of inflation.
This is just my opinion, we will find out in May if I am right or wrong.
Interest rate cuts would result in less people needing to sell their properties and more people able to get loans and look to buy properties. Results in less supply and more demand so prices can only go up.
US 10 year yield is at the highs again not sure where the banks are going to get cheaper funding 😂
Exactly! People must stop thinking RBA decision will immediately reduce their interest on mortgages because we are talking about two different maturities or two different interest rates. The cash rate (short term) will have at some point an effect on 10-year and 30-year bond maturity (long-term) both of these having a more direct impact on mortgages rates.
Isnt it amusing when they say rates cuts in november 24.. didnt happen
Rates cuts February.. probly wont happen..
and now your saying May 25.. delayed yet again.. starting to wonder if its ever going to happen..
As if they are going to make things better/easier for people
The way they count the unemployment rate is biased to make it look better.
The Macrobusiness has a good article today about unemployment, stalled wage growth and Albos unlimited indian migrants. Basically Australia is in deep trouble.
I made a bet with a successful property developer that rates will NOT drop this year. My bet is safe!!!
I hope rates go up, my bank accounts are growing.
Cash is shit, don't save it.
Adaxum’s focus on real utility is impressive.
Not going down if anything rates will rise
I have given up the dream of buying a home for living. With property influencers constantly instilling the FOMO, property prices are never going to come down. Sometimes it looks like a Ponzi scheme where artificially the supply is maintained low so the demand keeps increasing to maintain the demand and keep propping up the median price.
ADX could be a game-changer.
But how much will st George drop it by. Or do they go by westpac?
When will Melbourne south east pick up ? Bought and expensive property but value seems to have gone down by 50k 😂
It's what the RBA is doing, not what they said. The RBA knows that once rates are cut, property speculators will push up housing costs, so they're going to keep a steady path of low to no growth in house prices until incomes catch up-so 10 years. Property investors have had their run.
RBA repeatedly said that cost of housing is not their concern. Unless it's on the eay down course. If there is a drop in Sydney prices, inexpect RBA to cut
Economy doing way to good. Not cuts this year. Recently returned from the USA, 11 people on standby to join our flight. Airplanes full. Shopping Centre car parks also pumping. Doesn't look like people are doing to badly. I am seeing retail spend in December up 13% on same time last year, adjust for inflation, that's about 10% increase. Interest rates now are only slightly higher than the long term average. These rates are the new norm and are not that high in the early 2000's when our home loan rate changed to have a 7 in front of it we celebrated, then it had a 6 in front we were ecstatic. Our home loan now is 6.14%. Seems reasonable. Hang in there everyone. Review your spending if you are doing it tough.
Happy I got in early with ADX.
What happens tho if house prices go up but wages stay stagnant ? Like how do people afford to buy a house ?
Good question, many rely on the bank of mum or dad. Unfortunately we are in this situation because of mismanagement/poor planning by both sides of the political spectrum at both a federal and state level for decades.
Easy. The banks will loosen credit.
There will simply be a group of people who are lifelong renters. There are ways to get a home, but there are psychological challenges which most won’t overcome.
Yes it is gonna be cut so much, banks will pay us to take loans. There was a time before covid, when treasury was actually testing negative rates. My investments in 3 world are doing so much better than here and there is so much demand. And don't even get me started on exchange rates. I want them to drop though, the pacific peso(aud) will tank with that step.
Adaxum looks like a strong long-term play with its unique use case.
Jeez were at like 6.11 now, actually keen as for it to be around the 3-4 so.i.can finish my 30 yr in 13-15 yrs
Why not Adelaide??
ADX: low risk, high reward.
House supply. Perth or Brisbane
Solid utility backing ADX’s potential.
To be fair the long term rates are 8-9%
As an investment property owner, i am fortunate that i understand how it works😊.
Great vid! Thanks Ravi
Housing supply 6:39
Presales like Adaxum don’t come often. Don’t sleep on this one!
Have you even seen the US 10 year this week?
In the unlikely event a 25 or 50bp cut comes this year, it will do bugger all for borrowing capacity, definitely isn’t going to reignite a boom 😂
Higher for longer.
Adaxum is looking like one of the better new projects out there.
can I sue you if it doesn't?
Early investment in Adaxum feels smart.
E-commerce and ADX make sense.
So is this a guarantee it will drop in May?
No, it's the banks predictions.
Rates more likely to go up .when investors want rates to go down so there investment profiles can keep going about .😂😂😂
housing supply!!
HOUSING SUPPLY
Watching your videos and learning, I created my channel and the biggest challenge is getting subscribers 😓
You’re the best RAVI. All the best for 2025! ❤
It will be in February
Adaxum could see a major breakout soon.
The combination of DeFi and E-commerce makes Adaxum stand out.
ADX: early stage, huge potential.
ADX presale is going strong!
Adaxum is starting to make waves.
Bought ADX during the presale. Solid project so far!
The Adaxum presale feels like a solid investment opportunity.
ADX is a solid bet.
This presale has legs-Adaxum could deliver real gains.
ADX tokens are selling out fast! Act now before you miss this opportunity.
HOUSING SUPPLY