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RBA signals rate cuts – What it means for households and businesses

As inflation cools in mid-2025, the Reserve Bank is signalling a shift toward cutting interest rates.

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As inflation cools in mid-2025, the Reserve Bank is signalling a shift toward cutting interest rates.

For mortgage holders, expectations of lower rates are already influencing repayment strategies, with some opting to refinance in anticipation of reduced costs. A formal rate cut would ease monthly financial pressure, particularly for those on variable loans.

Businesses, too, may benefit from cheaper lending, potentially unlocking investment and expansion plans that had been shelved during the high-rate environment. Increased borrowing confidence could flow through to job creation and stronger economic activity.

But there are risks. Cutting rates too early—especially while other global central banks hold steady—could fuel inflation or put pressure on the Australian dollar. The Reserve Bank’s decisions in the months ahead will be key to balancing recovery with stability.

Dr Steven Enticott is a finance professional, speaker, regular columnist, and author of The Man With A Plan.

For more information www.ciatax.com.au

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Government housing targets face significant feasibility challenges

Australia’s housing targets face challenges as supply issues and construction costs threaten affordability and government goals

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Australia’s housing targets face challenges as supply issues and construction costs threaten affordability and government goals.

In Short:
– Australia struggles to meet housing targets amid rising costs and policy inefficiencies, with current shortfall of 69,000 homes.
– New government schemes aim to boost demand but fail to address underlying affordability issues for buyers.

Questions arise regarding Australia’s housing targets as government promises lag behind reality. Housing supply is under strain, with new data indicating concerns over affordability, policy inefficiencies, and the future of the property market.

On this episodes of Beyond the Deal, Dion Besser is joined by Cameron Kusher from Kusher Consulting discusses the viability of the government’s housing accord, which aims for 1.2 million homes over five years. This target equates to 240,000 homes annually, a goal historically difficult to meet.

Construction costs have surged, influenced by rising inflation and interest rates, reducing the feasibility of new housing. Currently, Australia is about 69,000 dwellings short of its target in the first year, with completions falling from the previous year. Despite potential improvements as interest rates decrease, achieving the target remains a distant goal.

Brought to you by Besser +Co Estate Agents.

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Shane Coley transforms tattooing into sacred ceremony

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Artist Shane Coley transforms tattooing into a sacred ceremony rooted in ancestry and respect

In Short:
– Shane Coley began tattooing friends with a handmade gun and now creates sacred tattoos with cultural significance.
– He emphasises the transformative nature of tattooing, honouring traditions and educating others through his book.

Shane Coley, a tattoo artist, initially used a handmade tattoo gun as a teenager to ink friends at parties. His journey from those beginnings has led him to create sacred tattoos that are more than just art; they represent stories, traditions, and healing.

Artistic Journey

Coley’s artistic journey reflects a profound commitment to the sacred nature of tattooing. He has developed a unique approach that treats each piece as a rite of passage, influenced by various cultural rites and beliefs. Clients often experience an energetic shift during the process, making each session a deeply personal experience.

After years of gaining insights from elders and shamans, Coley authored a book titled “The Alchemy of Tattooing,” sharing his knowledge and experiences in the tattooing world. This book is available on platforms like Amazon and through his website.

 

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Mick and Cheryl Gatto create safe spaces for autism

Mick and Cheryl Gatto dedicate 50 years to advocating for autism awareness and creating safe spaces for families through their charity

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Mick and Cheryl Gatto dedicate 50 years to advocating for autism awareness and creating safe spaces for families through their charity.

In Short:
– Mick and Cheryl Gatto dedicate their lives to supporting autism-impacted families and creating safe spaces.
– They raised six million dollars to establish The Haven, a centre ensuring resources for autistic individuals.

Mick and Cheryl Gatto have built a life dedicated to philanthropy and support for families impacted by autism. Together for 50 years, they have faced many challenges, but their current focus is on creating safe spaces for autistic individuals.

Inspired by their grandson Dominic, they have raised six million dollars to establish a centre designed to help those with autism thrive. Their initiative, Laps for Love, continues to support this work, aiming to improve lives through compassion and understanding.

As Mick and Cheryl shared their journey, they reflected on the importance of patience and compromise in their long-lasting relationship.


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