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thanks for the kind words......... im just a punter on this stuff,if I was any good Id be sitting on decent boat in the Whitsundays and not my Half Cab on the Nerang River this chilly time of year. Fair bit of luck all round. I see further redns in variable retail rates. And we will see...

I heard something again today that really resonated with me 1. The economy and the perception of same is between your 2 ears 2. There is "the economy" and your "personal economy", dont confuse the2 Sage words I feel ta rolf

coz finally, the Rose Coloured glasses with the golden carbon frames are well and truly off. Been saying it for a long time. Lots of noise with middle and short term swap rates on fixed rates distracting from the reality. The good thing is that there is a lot of space between 3 and 0 %...