Early 2011 the Australian Cairns Northern Beaches Housing & Property market can look ahead to an upswing.

By Nick Jacobs 16/12/2010
Based on a recent IMF report which suggest that AUSTRALIAN house prices could be overvalued by as much as 10 per cent in some areas, but strong population growth and rising income will continue to underpin the market, an international report viewing to the International Monetary Fund (IMF) has found a link between episodes when Australia has a strong terms of trade - the relative performance of exports to imports - and rising house prices.
The current historically high terms of trade are expected to be long-lasting,
Strong population growth and high real income growth in the wake of record-high commodity prices this year will continue to support house prices.
In the past 20 years house prices have increased by almost 120 per cent, and have already recovered from the global financial crisis shock in 2008 to pre-crisis levels, although prices have now levelled out yet.
Home loans, savings accounts and more
This rebound was supported by the federal government's more generous first time home buyer subsidy and a fall in mortgage rates in 2008/09 that helped to increase housing affordability.
Aside from the wealth effect from the terms of trade, population growth in Australia has also been higher than other advance economies, mainly because of strong immigration.
An insufficient supply of housing is also placing ongoing pressure on house prices.
The increasing scarcity of land in main urban centres in Australia is an important factor.
The fact that such a high proportion of Australia's population live in two major cities tends to drive up average house prices.
They say recommended reforms reported in Australia's Future Tax System - the so-called Henry tax review - to stamp duties and land taxes should reduce the current impediment to housing supply generated by the tax system.
The review says that stamp duties are a highly inefficient tax on land, while land tax could provide an alternative and more stable source of revenue for the states.
Such recommendations have so far not been taken up by the Federal Government.
The IMF staff report also suggests that from a financial stability perspective, any downturn in Australian house prices is likely to be orderly.
Stress tests suggest that a correction in house prices is not expected to take a toll on banks because of the low-level of high-risk mortgages, they say.
Nick Jacobs
Australian Property Investment Cairns
www.australianpropertyinvestment.com
info@australianpropertyinvestment.com

You cannot miss out train Real Estate

Hello my name is Carlos and I unfortunately Australia.

How do I say this? Well is because I believe are you in the reversal of the century. If you don't know what I'm going on about for good here is REAL ESTATE.

I remember the global financial crisis, well here in Australia, house prices decreased only slightly, to give an example of average Aussie land through the financial crisis housing prices world capital cities most was approximately $450,000, which is of approximately $415,000. Since then, Australia average housing prices has rose from $30,000 to around $480,000.

What does that all mean that you ask? Let me show you. Example: KANSAS CITY USA, HOUSE FOR SALE, return $35,000 United States $ tenants paying month of PER $550, which is around 18%. Now lets look Australia example: PERTH, WESTERN AUSTRALIA, HOUSE FOR SALE, $420,000, tenants paying month of PER $1200, which is approximately 3-4% (do quite sad flows effective not you think?).

Now tell me you, Australia houses are still selling like doughnuts even at these high prices.

Only if we had offerings that are happening in AMERICA, more than we could reach our financial goals. United States could buy a collection of units and houses for 1 House in Australia costs. That would mean early retirement and dreams reality.

Most Australians sees houses as the safest and most profitable tool. You can use to gain capital, cash flow and you don't have to rely on the greedy company CEOs to help you find benefits when the only thing that matters to them is his own pocket.

America is at its lowest, and now is the time to take advantage. MILLIONAIRES are made at a time like this. America must stop focus on making money on the stock market, because they have investment tool more profitable right nose there – REAL ESTATE.

I can honestly say that I have researched the market goods roots of the almost every Western country and I must say that I have never seen an opportunity like this EVER. The best Council that I found on the net about how lucky Americans can invest in real estate and start a path towards a future financially free. Check out his fantastic http://passiveprofits.info. Only if we Aussies had this opportunity.

Investment property – one time a good buy, always a good purchase

Certainly everyone has reached an agreement with the fact that the days of the property boom estate are well behind of us. Simply, lamenting "these days" is like the dull sound of a Bell sinking.

Polar side for that period, however, is interesting positions that people are taking witness. Now: some are trying to be released from grip property, others are playing a game of pending, planning home to cool further and be rewarded with a better "bargain", while the third group of people is kept constant prices.

RELEASE: economy global cooling, global warming local inflation and interest rates and red hot concern about whether they erupt Australia effusion of lava on a nervous population mining boom, there are many people who feel the momentum of the property.

CATCH: Secondly, there are these people waiting to be rewarded for their patience in the waiting for a bargain to drop from the sky. Of course, the danger is not having an interest - rate crystal ball which can be a bargain now may not be in the future if interest rates should rise and deny any immediate profit: is a strategy of equilibrio-acto - as fragile one of exceptional foresight or steel balls. Similarly, many are waiting for enough people jump in before that do - "lemming" approach is not one I would recommend that Marquette Turner, now or at any time.

HOLD: Finally, those able to hold and are able to factor in the increased rates are experiencing increasing yields, with eventually favoring the owner after many years in the abatement of rent. There are many encouraging signs that returns rental is improving. Recently released data show that there are now 60 suburbs within the metropolitan area of their respective capital across the Australian continent experiencing a gross return of six per cent minimum.

Currently, the cost of living and affordability are factors that are feeling the Australian majority and at the same time get used to it perhaps a painful and bitter pill to digest, there may be some good lessons and increasingly better decisions.

You must have noticed motto of Marquette Turner, "being an intellectual property" and this must resound now stronger than ever.

Look in this way, if encourages roots property buyers to take much more measured and advised the choices and decisions that once may have, then the future of the real estate Australian is solid, positive and an excellent investment strategy. Remember these words: once a good purchase, always a good purchase!

Simon Turner

Australia Mortgage - how to borrow to buy goods Australia roots

Are you planning to buy an investment in Australia property? Many foreign investors are attracted by Australia stable property, reliable growth and availability of credit market. Then, how can you also take advantage of the Australian property market?

1. The basics of investing in Australia

As a foreign investor, you are prompted for Australia Government approval of the Board of review of foreign investment (FIRB) to buy. This is a simple process and can be through its Australian lawyer or conveyancer. Please note that it is likely that restricted to buying a new property or the purchase of land and the construction of a House.

Purchase of existing property is typically not allowed as the Government believes that it can create asset price bubbles if too much foreign money competes with Australian home buyers. If you are an Australian citizen living abroad, then FIRB approval is not required and you can buy any type of property.

You need to obtain a conveyancer or an attorney to work for to handle the legal aspect of the purchase. Find one that is in the same State as the property that you purchase. Conveyancers hold licenses for its State, so find one from outside the area cannot help you.

A mortgage that specializes in helping foreigners invest broker is also required. This article is designed to help you find a good broker and get approval.

2. Where to buy in Australia

The majority of foreign investors buying in four major cities capital; Sydney, Melbourne, Brisbane and Perth. While Canberra is technically the capital of the nation that many investors prefer to avoid it because it is internal. The relative abundance of the land around Canberra can give as result so strong prices in coastal cities, where the Earth is short increase not.

If you require the approval of FIRB and are restricted to the purchase of a new building that may want to consider one of the tourist cities like Cairns, Townsville, gold, The Sunshine Coast or Byrons Bay coast. These areas are all growing quickly and not there is a shortage of new developments to invest in.

You might want to consider buying in these areas based tourism when the Australian dollar is very high. In particular, Cairns and Gold Coast tend to suffer when the dollar is high because fewer tourists come from overseas. As a result, it may be possible to pick up a bargain. Some investors to transfer their funds to Australia when the dollar is low, and then expect to go through a period of calm and buy in Cairns tourism.

3 How can take?

Foreign citizens investing in Australia generally are allowed to borrow 80% of the value of the property. For mortgages over $ 1 million, this percentage may be reduced to 70% or even 60% for very large loans.

Australian citizens living abroad can borrow up to 90% or in some cases 95% of the value of the property you are buying.

4. How prove your income?

While United Kingdom and United States is common for lenders rely heavily a borrowers credit score, Australia lenders prefer to ask for documents prove their worth of credit. Lenders will ask a range of documents, such as payroll, tax notices, letters from your employer or your accountant if you are self-employed.

Some countries do not have much paperwork that can provide or tax returns are in different languages other than English. In these cases, banks can be considered a "loan low doc" where you sign a declaration confirming your income and the lender takes the word for this. Although this is considered a style of sub-prime lending in other countries, in Australia is quite a common way for people to borrow and whether loans 60% of the value of property or less really has the same interest discount as well!

5 What are interest rates?

Foreigners applying for a mortgage in Australia do not pay an interest rate higher than Australia residents. Indeed, apply to the same professional discounts can get Australians! Most people prefer to choose a variable rate for your Australian loan (similar to a United States adjustable rate mortgage) as fixed rates are usually short deadlines and uncompetitive. Nearly all lenders offer flat rates up to 5 years, but more rarely offered terms of 10 years to 15 years and the competition is low.

6 Does matter your credit rating?

Your credit history or foreign credit score cannot be accessed by Australian lenders. Banks will look for its name in the database of Australian credit, Veda Advantage, however, not penalized for not having paid in Australia before. You will be punished only if you have breached a contract of loan or credit in Australia before. You can be penalized if applied with too many lenders, the number of queries that appears on your credit file can damage your Australia credit rating.

Banks prefer to look at your assets & position of responsibility, income, debt and loan to value (LVR) relationship service relationship.

7. The search for a good mortgage broker

There are two or three firms specialize in helping foreign investors and expatriate Australians to apply for a mortgage in Australia mortgage brokerage. Loans to foreign policy is complex and it is essential that you get the appropriate advice. Most Australia mortgage brokers do not charge for their services, they are paid by the banks to do the work that otherwise would be completed by an official of the Bank loans.

About the author

Otto is a mortgage which specialises in loans to foreign investors & expatriate Australian for over 7 years. Your expert Home loan company is now one of higher Australia foreign home loan brokerage firms.

Real estate United States and Australia

The market of goods United States roots is going through now exactly the opposite of what is happening in Australia. Despite the fact that both countries are experiencing need stricter property loans, United States property market continues to look in declines in value as the financial climate of the country remains unstable.

Some say that it is needed to stop the bubble in the U.S. housing market that moves out of control before the GFC adaptation. More and more Americans were being expelled from the United States property market as prices intensified beyond the affordability of many. The status of mortgages was intended for disaster as a growing number of home owners were unable to meet their monthly payments. As the supply / demand equation goes, balance leaned in favour of an oversupply of U.S. property and property values United States roots quickly started to go south.

There are many indicators coming out showing that the market goods estate United States may have some way to go yet before begins its recovery. Unemployment remains precarious level no real signs of recovery. If people cannot get work, are not in a position to invest in U.S. property. There is a situation where the supply of housing exceeds the number of buyers of property, reduction of U.S. real property values. This is evident by the statistics on new sales house, fell in May 2010 at lower levels ever recorded (since tracking began in 1963). Only 300,000 new sales house were recorded for the month against the 'normal' level of around 800,000.

Despite a series of alarmist calling for the end of the American financial system is close, along with the recovery of goods market United States roots, the population of the country of 280 million people will continue to grow and devote to your business, which includes the need of a roof above your head. It is now once in a life opportunity for Australian investors to wealth creation in the medium and long term. To examine the market goods United States roots with a clear and cautious head, there are many opportunities available in the market for property investors prepared, including Australian investors. Real estate United States offers something that Australians are not accustomed to - positive cash flows and low entry prices.

My name is Claudette Rechtork and I am a mother of 2. Despite that I am an environmental scientist, and always working in the field of conservation marine, I've been interested in and seen the real estate market.

In order to comply with a niche in the market, we have created a website http://www.USRealEstate.com.au unique specialized information Web site for non U.S. investors looking to invest in property.

Visit, and the combination of the 1 month trial investors club for more information about buying property in the United States. We have interviews and other information to give you an idea of what you will receive as part of the Club of investors.

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Development real estate - when it is the right time to start developing the property?

Media are currently filled with property repossessions roots 'doom and dark' - goods roots, the prices of goods roots are down... and arrears are up to its almost as if the 'sky is falling'! This situation has seen many property developers roots and property investors in general, leave the market - and for those thinking in starting developing goods estate, this is scary times made.

What seems to be the worst time to enter in the development of goods roots can, in fact, be the best time. Real estate developers successfully today realize that can use time to their advantage – usually your property development projects roots will not be ready for sale or rental of 2 to 4 years since its inception. So if you have bought them well, are less likely to be affected by the economic situation at the time of the purchase of your property development site roots.

A weak market is indeed paradise property developer's estate, because a weak market is a buyer's market and one of the first steps in any property development project roots is to ensure a site viable real estate development in the best possible conditions.

Although we know that business development real estate is cyclic, and many parts of the world are in a descent of property, also know history developers with knowledge to have success in any market - falling flat or rising.

We are working for what we believe that economic conditions will be 12 to 36 months. In fact we are still active on the market - seeking Council estate permission for a number of property development projects. This gives us the opportunity to act quickly and build our real estate development projects, approved when the buoyant market.

It is our opinion that following market signals are some of the key factors that will lead to future opportunities especially for property developers roots:

· PETN up demand for housing. In March 2008 leading Predictor of the Australian economy, BIS Shrapnel Chief that Dr. Frank Gelber argued that entire Australia housing prices rise by 30% to 40% in five years due to the shortage of built-up housing Economist.

· The current Federal Government has stated that you work towards increasing the profitability of housing and they have begun to announce incentives including credits tax of $6000 per year if housing rent in 20% than the rental market.

· We believe that a number more and more people, in the short and medium term, likely requiring accommodation rental we want to build. This is due to any of its financial tensions (not can afford to buy a house), and demographic trends (including gene-ys which are less likely to buy goods roots).

Even if our 'crystal ball' is incorrect, we know that we we have the resources to maintain assets roots sites development during possible more market fluctuations to come, and increasing rents, undoubtedly, are helping with the!

Our belief is that you it's a golden time act - perhaps once in a generation opportunity. It is perhaps not the time to sell real estate completed development projects at this time, but certainly is a great opportunity to protect the site development and approval of the development planning. Now, this strategy is not for everyone, you must have the resources to maintain the site development and above all knowledge of property development roots to seize these opportunities.

The best approach for anyone contemplating real estate development will depend on your own personal and financial circumstances, but the key message here is that you must do something!

There are many strategies that small real estate developers are using today, if you do not have the resources needed to complete a project property development roots now, including convert their knowledge assets roots in cash to locate ideal, perhaps take an option in the site and sales 'adoption of development permissions' to someone who has the resources property development sites.

Successful developers know times opportunity like this only comes along once in a while, and taking measures so as not to lose the boat.

Regardless of its immediate financial situation, this is the perfect time to leverage their knowledge assets development roots in current or future income. If you have any doubts about your ability to do this, or want a mentor real estate development experienced to guide you, act now to gain the knowledge and guidance you need. There is no time to lose!

Adrian Zenere is a registered architect and interior Builder License together with his wife Amber have built a portfolio company of sustainable ownership through the development of goods estate. Together, directed his own architectural practice http://www.archizen.com.au specializes in comprehensive architecture combines the sustainable development of ecological principles of feng shui and the creation of harmonious life which is respectful of the environment. Their projects are regularly presented in investors Australian property, interior design of luxury, lifestyle, home in yellow and several newspapers magazine.

They are also co-founders of the Club of property development roots where used their knowledge of property development roots and experience to assist developers of successful real estate investors become real roots. Have a look to Adrian all goods development roots of Amber processing and download your free report REAL ESTATE development and other valuable real estate development resources visit: http://www.RealEstateDevelopmentClub.com

Success to invests in Australia Real Estate

Determine the "why" or "goal" in property investment is probably the least thought review to sign a contract. However setting goals means establishing measurable targets. If not, you can track your progress, what good is targeting? What is the purpose of acquiring the property? Is to help fund retirement, residual cash flows or maybe to buy a property for the children while studying then to sell in the future?

Decide whether to buy a strong capital growth or high return rental property has always been the long debate. This is your goals where are essential. If you are young, then perhaps can be a little more firm in your investment and choose growth on rental return, but if you are on the verge of retirement, then you may need a regular income that will provide you to continue to meet the needs of your current lifestyle.

Once has decided is your plan to invest in real estate, you need to put a plan into action to help you achieve those goals. Your plan should be comprehensive and must describe what kind of properties that you would like to invest in where and how much you can afford. A good point is not that extend beyond what you can afford. To say, however, you can afford the luxury of a property before you thought. Simply consult an institution lender or mortgage broker to see how much money you can pay to borrow.

After spending many years in asset management roots in Australia, my Council to potential investors is to invest in a product that has high demand. The last thing you need is a property that is vacant for many months a year.

When you buy these areas of high demand, always take into account the properties that are close to amenities, should be considered as a tenant. Ask yourself to "Would like if it was a tenant to move to this potential property, to travel half and hour to buy a bottle of milk?" Simply because the price is low, it does not mean that it is a good investment. It can be very difficult to find a tenant because it is too far from many installations.

Here are some things to think about making a purchase of capital assets.

1 What kind of property is? It is a House, apartment, etc.

2 Now is how from the local business area?

3. What is the location to schools and universities??

4. What are the attractions of the area?

5 What big companies are nearby? Is near a manufacturing plant?

6 Now is how to a local hospital?

These are just some of the points that should be considered buying an investment property. It is a known fact that when you buy goods roots, should always consider location, location, location.

Many people think that McDonald'S is in the industry of the Burger, but little known in the goods sector estate only sell hamburgers. McDonald'S would not be as successful as if you were away from everything. Buy McDonald'S due to convenience or the location in which are located in, not because they sell the best hamburger. It is the same for the purchase of an investment property. What is the convenience factor?

The purchase of property investment in more developed cities is a positive. Growth capital in these areas generally increases, simply due to supply and demand for space. But as any investment always do your research.

By which determine to invest in real estate, always know the reason for why are investing when keep that in mind, always look the investment with a purpose. If you only hold a property for a short or a long period of time, must always be in line with their property investment objectives.

Murray is consultation with http://www.premier-capital.com established in 1988, premier capital Group?s dedication to customer satisfaction has enabled becomes one of the largest and most respected real estate international in Asia. With offices in China and some countries, including Canada, United States New Zealand Australia France, Spain, Singapore Thailand, we need to have an investment that suits your property requirements to invest property.

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The ad man's new strategy for survival

Recently I read an interesting article in time magazine, spoke about how advertising agencies are now developing and marketing their own brands and products.

It seems that a number of agencies have - developed overseas or development - are their own brands and see you on the market. In some cases forging agencies also partnerships with customers to do.

I think this is a great thing for agencies as I think the biggest mistake the person or agency can make an advertisement, is to think that you show only the production business to do.

It is easy to recognize, an agency that makes only show – are usually all about the display to make really different and 'Out there', not so much about the brand and what it is. I think that agencies should be about generating ideas to build brands and push products or services.

When the BoilerRoom we have developed our own product (mybagtag.com.au) and my clients often ask me about it. Show wondering whether I have no business experience and then come to realize that we do only as the Agency about the traditional agency model go.

After our brand means we can cover a whole new level for our customers. We know what it is, our own warehouses in the balance sheet as an asset just like you have. We also know, as it is to have my money on the line and how it is with the think creatively if it endangers money.

I think the Agency benefits from this experience as well as to focus - an other source of income and more creative outlet in which ideas with a business not only ad driven driven.

The creative team loves because you get ideas for the client to develop, which happens, so to us it the misunderstood any bad review or risks.

There is also an understanding of the market from the coal face. We get to talk shows around the world to retailers, participation in international retail. So I get an understanding of what you are looking and a sense of what is happening on the market directly from the mouth of the horse - so to speak.

I think agencies should more their own products to develop and have fun doing it. This line of creative thinking can lead alternative pricing and performance-related remuneration systems with existing clients. It can be also a "provocation" (to generate alternative ideas concept d ' bono in lateral thinking) that will lead toward a variety of ideas the Agency can harvest.

Make your own brand to develop. You then sell it in a few bars and then slam - where it will be a six pack on the Conference table, a brand, that you to a brewery - marketing. Now would be win business without a pitch.

Our Bagtag brand is spread across the south pacific, United States, United Kingdom, Canada, Caribbean, Mexico now in Australia New Zealand, and is constantly being expanded. More importantly, as the source of income is know, we have won as an agency in the development of the idea and take it on the market. Sales is, of course, well though.

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Why marketers are nervous of change

Current demand is based on what consumers do or what you go deeds rather than what to do. But despite this I think, at the end of the day most travel marketers of change and at the top of it are nervous. You want predictability and if you look around you they see everywhere guaranteed.

Without a few notable exceptions, most of the players on the market follow each other's and/or respond to each of the other behavior rather than venture into the future by secure a good idea with the consumer in mind. Getting into the advertising and marketing industry of clients to agencies to get good ideas. But really out of the box to break, I think it is the exception, but as the standard that makes the idea is really different.

I just got back from participation in trade fairs in London and New York and found the differences appear in the two and in fact the two markets quite interesting.

At the London show we sold the brand 'My Bagtags' (mybagtags.com.au) did really well and it seems that the people in the United Kingdom the idea, a new product or brand love and are ready to support themselves and their faith by you your money where your mouth is.

This is found where gravitierte towards products and brands that were demonstrated and the purchase was the buyer more about guaranteed consumer demand a contrast to what we in the United States, and just the price go down through the supply chain.

I've always believed that at the top of the change key to long-term success in the business is when you get right regardless of whether you are a challenger or incumbent it.

How many different makes and models of cars have side vents for the engine, so you look athletic or air intake on the hood to everyone show that it a turbo engine. How many colors we really buy and the shapes are really different. The Bank offers are really the same or are different? Now, the energy market has opened up has, among the players really driven which change or done something else?

A great Adam said "we are so busy with measurement of public opinion, we forget that our task is to make it" (Bernbach) true creativity I think comes from things do or imagining things that have not done have been and then and to do.

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As long to the bogan

Where the bloody hell our number ranking on FutureBrand's top brands list is one world? Australia was number one for the last three years, but this year we have lost it in the United States.

What happened? We make ' Monkees "' Hey Hey we even with the thats Queensland' campaign or it is greater than that?"

The world is changing, and our country brand is crying for revitalization in key areas of the Association where we are weak in comparison to the winners, the United States, Canada (which came second).

I hope that the agencies in Australia give 100 percent when you pitch and ultimately to develop and work on brand Australia in the coming months and years.

But our perception of the mark can overseas advertising really liven up or it is a catalyst to start a nation to deliver key associations that we are not so well known for can?

A quick look on the FutureBrand's list Association rankings tell me love Australia people, because our political freedom as a good thing seeing love our lifestyle and outdoors and you would extend, a business trip here - for a good place on a hammock on the beach. No mention for associations like; ideal for business travellers, easiest business, high-quality products and other important export associations, the US would serve well.

They all say what about us as a country and what we have to offer? Beaches, bikinis, surfing, koalas, kangaroos and large lifestyle blocks with crock Dundee look-alikes?

Probably all okay if you're in the tourism game, or if all what you have to do is digging up some coal or iron and send overseas (God help us if this is running or if we all rights more have sold to foreign interests for a low).

But how does the Australian brand help or hinder us when we try to sell a car, software or some product that competes the Japanese or the German on the international market?

I don't think the Australian "Brand" helps sell my client HSV more car than you would otherwise only on the strength of your brand. Germany considered own engineering although our HSVs in almost every facet are better.

I believe that the future of the Australian brand is the development of our culture and our think us even beyond the laid back "Ocker" who makes fun to be, but maybe not so motivated. We must show the world how we build innovative quality products and we motivated and dangers to things for the future and Australia can lead the world in creativity to improve.

In many ways the great lifestyle that we have and the external view which has world serves only laid fuel back image of ourselves. I don't think you can change what you are, but you can create from it.

You can not sell a brand that isn't what it is but the most important from an internal perspective is first branding. We consider ourselves as a laid back Beach and outdoors culture, thats all we ever will provide, and I don't think that's enough for the future. Not by a bloody long shot.

And the world focus change the role for the future brand of Australia is helping drive and inspire our innovation and our business acumen on a world stage. Can do about the Australian people and what it rather than what you have here.

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Property Industry Market Wrap

Good news from this week was that interest rates were left on hold by the Reserve Bank. The decision to maintain the official cash rate at 4.75% was widely anticipated. Since the rate rise in November the economic news has been relatively sedate and forecasts for further rate rises are being pared back. Financial markets are now forecasting only one 25 basis point rate rise during 2011 which is likely to be in the second half of the new year. The average standard variable mortgage rate is now slightly above average at 7.8% (about 58 basis points higher than the 10 year average).

The latest housing finance data was released by the ABS this week, showing that the rate of finance approvals for dwellings appears to have bottomed. In seasonally adjusted terms the number of housing finance commitments increased across all four categories reported over the month to October: owner occupier loans were up 1.9%, loans for the construction of new dwellings were up 0.1%, loans for the purchase of new dwellings were up the greatest with a 9.4% increase and loans for the purchase of established dwellings were up 1.8% during October. The total value of loans for housing was up by 2.8% for owner occupiers and by 1.1% for investors. The improvement in housing finance needs to be viewed in context however, with the total value of loan commitments almost 21% lower than the same time last year. The overall trend in the data suggests that the rate of finance commitments has reached a trough, keeping in mind that any ‘green shoots’ may be trampled by the November interest rate rise.

Job ads data was released by ANZ this week showing a 2.9% lift in the number of jobs being advertised across both the internet and newspapers in November. This was the largest increase since February and foreshadowed a strong jobs growth figure in the ABS Labour Force statistics. According to the ABS data 54,600 new jobs were created in November and the unemployment rate fell back to 5.2%, once again approaching full employment.

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Cadbury's cool cafe plan

When consumers buy into a brand, they buy into the experience, and that’s the part they fall in love with which keeps them coming back.

And this whole 'experience' seems to be somewhat of an emerging trend for brands.

Take for example the much loved chocolate brand Cadbury, which is currently planning to open a chain of branded cafes in the UK.

The cafes – to be called Cadbury Cocoa House – are expected to offer afternoon tea, along with a range of Cadbury-themed goods.

The idea is that a branded experience based on the insights of the delights of eating chocolate and how that fantasy can be brought to life in a real way for people that walk through the door. Surely this has to be better than just grabbing a bar of the shelf at the supermarket? And what about the visual real-estate from an advertising perspective when the caf?’s can be placed in areas that give maximum impact?

The concept has certainly paid dividends for Swiss chocolate maker Lindt. It opened its very first Lindt Cafe in Melbourne last year to a queue of chocolate enthusiasts who lined up on Collins Street for hours just to get a seat in the luxury cafe. On public holiday sand weekends the cafe still enjoys a line-up of eager customers waiting for a table.

These brands have the right idea. And thinking laterally, when every player is engaging in the same activities across the marketing spectrum, why not build your entire brand via experiential marketing only?

Consider the oil companies. Imagine driving into a fuel station and someone met and greeted you, informed you about the types of fuel and specific benefits, filled your car, took your money without you even leaving the car. I’d want that and I’d talk about it.

And imagine going to a supermarket where you were greeted, and consultants were available to you and helped you buy ingredients based on your lifestyle and family requirements. Trolleys could scan the contents they carry and add up the total automatically so there was no wait at the checkout and someone carried your groceries to the car (this is actually a concept already implemented in some Scandinavian countries). You wouldn’t need to advertise if you offered this sort of service. I, for example, would tell my friends for you. Imagine the bargaining power that supermarket would have over the brands it sold if it created enough equity with its own customers.

A great brand experience goes a long way in making a brand real and relevant to people. A great brand experience can be shared online by people that have enjoyed that brand and want to tell others – as demonstrated by our new need to share everything we do and love via social media. So don’t tell people about your brand, show them by letting them touch it. Bring it to life in their eyes and they'll promote you without even knowing it.

View the original article here

Top 5 most expensive repairs in housing

Investors looking to buy a bargain might think they’re saving money by avoiding a building and pest inspection, but the exact opposite is often the case. Archicentre, the property and building services division of the Australian Institute of Architects, says 80 per cent of property transactions don’t have an inspection for structural or termite problems.

Top 5 most expensive repairs in housing Investors looking to buy a bargain might think they’re saving money by avoiding a building and pest inspection, but the exact opposite is often the case. Archicentre, the property and building services division of the Australian Institute of Architects, says 80 per cent of property transactions don’t have an inspection for structural or termite problems.

Queensland manager of Archicentre, Ian Agnew, says if people buy a property with major faults, it can lead to a financial crisis down the track.

“To limit the risk of financial stress in purchasing a home prior to making an offer, arrange a pre-purchase inspection to ensure the house is safe and sound from an independent professional and trained person, such as an engineer, architect or registered builder,” he says.

“A professional inspection of the home will assist buyers in determining the condition of the property and the cost of repairs, providing them with a bargaining tool to factor in repair or maintenance costs into their budgets.”

Archicentre estimates there are hidden defects in one in three properties, and lists five problems as the most expensive.

1. Restumping Without a proper inspection of the sub-floor area, it’s impossible to obtain a clear indication of the state of the stumps. Inspectors have found anything and everything to try and cover up shonky stumps, including wedges of scrap wood between stumps and bearers, props sitting on bricks, and stacks of bricks under bearers.

2. Roofs Roof faults cost tens of thousands of dollars to repair. Archicentre says a leaking roof can have a major impact on the interior of the home and can penetrate electrical wiring. Cover-ups include painting a roof to cover rust and temporarily plugging holes with silicon.

3. Wiring A professional electrician must install wiring. However, some homeowners carry out illegal wiring to cut costs, often in the roof or under the floor. Blackened areas on power points are one of the first giveaway signs .

4. Pest management
Many homeowners take steps to conceal termite damage. Traps include placing a mattress on the floor, or using boxes to cover the area. Access hatches may be nailed shut to prevent access, or skirting and architraves could be painted. In one case, a bedroom was locked during inspection because ‘it contained valuables.’ In reality, the floor was totally destroyed.

5. Plumbing Pipes may be rusted and drainage faulty. People inspecting homes should test water pressure by turning on a couple of taps at once to see what the water pressure is like. Leaking pipes can form a magnet for termites and end up being a massive cost in older homes.

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