Whether we are trying to convince the kids it’s bedtime or we’re selling a widget or simply want a favour from a total stranger PRE – SUASION “A Revolutionary way to Influence and Persuade” by New York Times bestselling author Robert Cialdin is an utterly fascinating insight into the tactics that all marketeers, professionals, consumers or parents need to be aware of to be their effective best.
Home renovations in Australia hit a 14–year high over the September quarter, with the volume of projects growing 11 per cent year–on – year to $9.35 billion in chain volume terms. Buyers in the business of flipping houses are starting to come unstruck with many finding they have mistimed the market and now face substantial losses.
It comes as no surprise to anyone who has been following the banking Royal Commission or watching the nightly news; our banks have tightened the screws on every aspect of loan qualification. Following is a List of the seven things most likely to influence a loan approval or more often a decline.
If you think the housing market just operates on a seven-year cycle, I have news for you.
I have found that it has been the decisions of key people that have materially influenced the cycles and altered the direction of the market at various points in time.
So who are these people? What power do they have? What will they decide to do in 2019?
Bill Shorten and Chris Bowen are proposing the single greatest governmental assault on the capital formation process and investment that we ever seen in Australia. Both property and shares are set for a policy overhaul.
The most striking trend that jumps out of the dataset of past winners is simple: age matters.
With Australia's biggest financial institutions ceasing lending for SMSFs, it's worth considering what this means for the sector.
SMSF lending has been a contentious issue, particularly since the Financial System Inquiry recommended "[removing] the exception to the general prohibition on direct borrowing for limited recourse borrowing arrangements by superannuation funds." While this recommendation was nixed by then-Treasurer Scott Morrison, increasingly strict capital adequacy rules have brought it back to the fore.
Mortgage lending commitments fell a greater-than-expected 2.1 per cent in August as the biggest drop in owner-occupier loans in more than two years adding to slowing investor credit.
As of September 2018 the big four banks, among other banks, have shared 50% of their CCR data.
Westpac Group, the nation's second largest lender, is giving risky property investors less than a month to find another lender amid growing concerns about the impact of rising rates, falling values and oversupply.