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my vote is a rate increase in either nov or dec.
Since the vote doesnt include the option of a dec rate increase i will just post my comment here.
Retail figures aren't much to write home about from all reports either. A few f-knuckles still out there spending like there's no tomorrow.
Why are they f-knuckles? Maybe they have the means to spend like there is no tomorrow, nothing wrong with that. Money needs to be circulated, no?
So spend all you (not you personally Ev) want; just don't cry about it when it all turns sour and you end up on ACA etc whining about mortgage stress or whatever, or whine when you end up a pensioner.
But, they do; and with regular monotony. "Battlers".
Or, spend like there is no tomorrow, but add a few wealth creation moves in there at some point.
A 3% cash rate is just too expansionary and the Govt/RBA just cant let it continue through the Xmas buying season.