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Can superannuation payments be used by the majority to buy their home? If not why would you consider it a reasonable inclusion? The term 'disposable income' to me means income available for spending after necessary expenses have been paid... The reason I ask is that I don't recall seeing...

As I pointed out on page 2 Joye's income calculations include superannuation, gross rents and other streams that shouldn't be included in a credible disposable income calculation. What are your thoughts on those inclusions? How can you claim his figures are credible knowing what they include...

It was just a comparison. I'm not confusing anything. I was simply saying that just because there is a bunch of holders with a 70% stake, that doesn't mean the stock that is available for sale will hold up in price. It will sell wherever the current sellers and buyers meet. Even if 70% of...

They don't have to for prices to fall dramatically. I can show you plenty of stocks where the top 20 hold 70% of a company (with no intention to change) and yet the share price still rises and falls dramatically based on what the other holders are prepared to buy and sell for. The market...

LOL is that the same one that recently ousted the prime minster & then went to the polls with no clear winner? It's interesting, I'm currently reading this book and it's looking likely that this previous resource boom probably was one of the factors that caused the Australian housing bubble in...

Are you talking initial introduction of the FHOG or the recent FHBB, FHSA, etc? As I recall the FHOG introduced in 2000 was to offset the GST and regardless is not relevant to the discussion we are having 10 years on and context of my comment. If you are claiming that the more recent stimulus...

You think the government ramped up housing stimulus to win votes? lol "The short term stimulus was designed to encourage people who had already been saving for a home to bring forward their purchase and prevent the collapse of the housing market."...

If the average household can't afford to buy (or struggles to afford) the average house it questions who is going to continue buying at these prices? What happens if we get to a dangerous edge in affordability and rates start rising? Perhaps we see a crash in sales volume... what happens then if...

If it was always that simple then there would be no need for banks to factor in a buffer when calculating serviceability. If it was always that simple the government wouldn't need to resort to lining first home buyers pockets with cash incentives to buy. If it was always that simple then there...

They could. They could also move to a $50k shack in the middle of nowhere, but this has no bearing on the affordability of the median income earners ability to buy a median priced property.

In real terms a $600k 200sqm 3 bedroom house might be cheaper per metre than a $600k 120sqm 3 bedroom apartment, but does that make it more affordable to the family that lives in it? Can you explain how that extra 80sqm makes the house more affordable?

A company with property interests cooking the books? Doesn't seem likely... :rolleyes: http://criticalinfluence.blogspot.com/2010/11/lies-damned-lies-and-housing-statistics.html Because including superannuation and gross rents in households income sounds fair right?? Joye/Rismark can keep...