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	<title>Fixed Versus Variable</title>
	
	<link>http://www.fixedversusvariable.com.au</link>
	<description>. . . yes - it is hard to get useful home loan info . . .</description>
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		<title>Interest rates are going down</title>
		<link>http://www.fixedversusvariable.com.au/fixed_versus_variable/interest-rates-are-going-down/</link>
		<comments>http://www.fixedversusvariable.com.au/fixed_versus_variable/interest-rates-are-going-down/#comments</comments>
		<pubDate>Wed, 23 Jun 2010 05:29:08 +0000</pubDate>
		<dc:creator>Mark Boulton</dc:creator>
				<category><![CDATA[Fixed Versus Variable]]></category>
		<category><![CDATA[Indicators]]></category>
		<category><![CDATA[Bad times to fix]]></category>
		<category><![CDATA[fixed or variable]]></category>
		<category><![CDATA[plummetting interest rates]]></category>
		<category><![CDATA[should I fix now]]></category>
		<category><![CDATA[What is happening with interest rates]]></category>

		<guid isPermaLink="false">http://www.fixedversusvariable.com.au/?p=388</guid>
		<description><![CDATA[I think the world is moving towards a synchronised double dip recession - US, Europe, China, UK . . . . I think variable interest rates could possibly end up below 5% by July 11.  I don't need to write much else.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Darned interest rate rises</title>
		<link>http://www.fixedversusvariable.com.au/budgeting/darned-interest-rate-rises/</link>
		<comments>http://www.fixedversusvariable.com.au/budgeting/darned-interest-rate-rises/#comments</comments>
		<pubDate>Tue, 04 May 2010 08:45:45 +0000</pubDate>
		<dc:creator>Mark Boulton</dc:creator>
				<category><![CDATA[budgeting]]></category>
		<category><![CDATA[Australian home loan]]></category>
		<category><![CDATA[fixed or variable]]></category>
		<category><![CDATA[Fixed versus variable]]></category>
		<category><![CDATA[What is happening with interest rates]]></category>

		<guid isPermaLink="false">http://www.fixedversusvariable.com.au/?p=383</guid>
		<description><![CDATA[Another rise - we may have a break from rises for a few months as retailer (especially of whitegoods and furniture) are having poor sales figures. But i believe that the rate rises will continue soon enough, barring an unexpected shock.
]]></description>
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		<item>
		<title>Fixed rates should be stable or even fall slightly</title>
		<link>http://www.fixedversusvariable.com.au/fixed_versus_variable/fixed-rates-should-be-stable-or-even-fall-slightly/</link>
		<comments>http://www.fixedversusvariable.com.au/fixed_versus_variable/fixed-rates-should-be-stable-or-even-fall-slightly/#comments</comments>
		<pubDate>Mon, 12 Apr 2010 09:12:55 +0000</pubDate>
		<dc:creator>Mark Boulton</dc:creator>
				<category><![CDATA[Fixed Versus Variable]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[Australian home loan]]></category>
		<category><![CDATA[Bad times to fix]]></category>
		<category><![CDATA[fixed or variable]]></category>
		<category><![CDATA[fixing my homeloan]]></category>
		<category><![CDATA[Good times to fix]]></category>
		<category><![CDATA[Should I fix]]></category>
		<category><![CDATA[should I fix now]]></category>
		<category><![CDATA[What is happening with interest rates]]></category>

		<guid isPermaLink="false">http://www.fixedversusvariable.com.au/?p=380</guid>
		<description><![CDATA[I think this will lead to a fall in the interest rates of fixed loans, or will mean no increase in what is being offered for a while. I still think variable rates will go up another half a percent in the next four months.]]></description>
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		<item>
		<title>Not really time to be fixing – do however expect rate rises in the short term</title>
		<link>http://www.fixedversusvariable.com.au/fixed_versus_variable/not-really-time-to-be-fixed-do-however-expect-rate-rises-in-the-short-term/</link>
		<comments>http://www.fixedversusvariable.com.au/fixed_versus_variable/not-really-time-to-be-fixed-do-however-expect-rate-rises-in-the-short-term/#comments</comments>
		<pubDate>Mon, 05 Apr 2010 08:54:09 +0000</pubDate>
		<dc:creator>Mark Boulton</dc:creator>
				<category><![CDATA[Fixed Versus Variable]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[Australian home loan]]></category>
		<category><![CDATA[Bad times to fix]]></category>
		<category><![CDATA[Fixed versus variable]]></category>
		<category><![CDATA[should I fix my homeloan]]></category>
		<category><![CDATA[should I fix now]]></category>
		<category><![CDATA[What is happening with interest rates]]></category>

		<guid isPermaLink="false">http://www.fixedversusvariable.com.au/?p=376</guid>
		<description><![CDATA[I have updated my main post]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Another 0.25 increase for December</title>
		<link>http://www.fixedversusvariable.com.au/fixed_versus_variable/another-0-25-increase-for-december/</link>
		<comments>http://www.fixedversusvariable.com.au/fixed_versus_variable/another-0-25-increase-for-december/#comments</comments>
		<pubDate>Mon, 30 Nov 2009 02:52:13 +0000</pubDate>
		<dc:creator>Mark Boulton</dc:creator>
				<category><![CDATA[Fixed Versus Variable]]></category>
		<category><![CDATA[Cash Rate]]></category>
		<category><![CDATA[fixed or variable]]></category>
		<category><![CDATA[Fixed versus variable]]></category>
		<category><![CDATA[fixing my homeloan]]></category>
		<category><![CDATA[homeloan]]></category>
		<category><![CDATA[What is happening with interest rates]]></category>

		<guid isPermaLink="false">http://www.fixedversusvariable.com.au/?p=371</guid>
		<description><![CDATA[I have just jumped on betfair and managed to make a bet for a quarter percent rise at 1.85 to 1 odds. I am not 100% sure that there will be a rate rise - but am more than 75%, so my odds are OK IMO. This is because inflation has hit about 2.1% for the year just passed, according to the TD Securities/Melbourne Institute monthly inflation gauge.]]></description>
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		<item>
		<title>Last chance to lock in</title>
		<link>http://www.fixedversusvariable.com.au/fixed_versus_variable/last-chance-to-lock-in/</link>
		<comments>http://www.fixedversusvariable.com.au/fixed_versus_variable/last-chance-to-lock-in/#comments</comments>
		<pubDate>Mon, 12 Oct 2009 11:44:46 +0000</pubDate>
		<dc:creator>Mark Boulton</dc:creator>
				<category><![CDATA[Fixed Versus Variable]]></category>
		<category><![CDATA[Strategy issues]]></category>
		<category><![CDATA[Australian home loans]]></category>
		<category><![CDATA[fixed or variable]]></category>
		<category><![CDATA[fixed rate term]]></category>
		<category><![CDATA[fixing my homeloan]]></category>
		<category><![CDATA[Good times to fix]]></category>
		<category><![CDATA[Should I fix]]></category>
		<category><![CDATA[What is happening with interest rates]]></category>

		<guid isPermaLink="false">http://www.fixedversusvariable.com.au/?p=369</guid>
		<description><![CDATA[I think that the market will start to factor in more rate rises very quickly. So don't sit on your hands if you want to be fixed. However if you plan to fix just to save money, my predictions suggest you will end up about square on a three year fixed. And behind for the rest.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Rates up by 0.25% in September RBA meeting is my guess</title>
		<link>http://www.fixedversusvariable.com.au/fixed_versus_variable/rates-up-by-0-25-in-september-rba-meeting-is-my-guess/</link>
		<comments>http://www.fixedversusvariable.com.au/fixed_versus_variable/rates-up-by-0-25-in-september-rba-meeting-is-my-guess/#comments</comments>
		<pubDate>Sat, 29 Aug 2009 13:35:41 +0000</pubDate>
		<dc:creator>Mark Boulton</dc:creator>
				<category><![CDATA[Fixed Versus Variable]]></category>
		<category><![CDATA[fixed or variable]]></category>
		<category><![CDATA[Fixed versus variable]]></category>
		<category><![CDATA[rates increase by 0.25%]]></category>
		<category><![CDATA[Reserve Bank of Australia]]></category>
		<category><![CDATA[september meeting]]></category>
		<category><![CDATA[What is happening with interest rates]]></category>

		<guid isPermaLink="false">http://www.fixedversusvariable.com.au/?p=363</guid>
		<description><![CDATA[My guess is there is a 50% chance of no change, 45% chance of a 0.25% rate change, and 5% chance that it will go up half a percent.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fixed rate rises will be coming through very soon</title>
		<link>http://www.fixedversusvariable.com.au/fixed_versus_variable/fixed-rate-rises-will-be-coming-through-very-soon/</link>
		<comments>http://www.fixedversusvariable.com.au/fixed_versus_variable/fixed-rate-rises-will-be-coming-through-very-soon/#comments</comments>
		<pubDate>Tue, 28 Jul 2009 06:49:48 +0000</pubDate>
		<dc:creator>Mark Boulton</dc:creator>
				<category><![CDATA[Fixed Versus Variable]]></category>
		<category><![CDATA[Fix now]]></category>
		<category><![CDATA[fixed or variable]]></category>
		<category><![CDATA[Fixed versus variable]]></category>
		<category><![CDATA[fixing my homeloan]]></category>
		<category><![CDATA[Good times to fix]]></category>
		<category><![CDATA[Should I fix]]></category>
		<category><![CDATA[should I fix my homeloan]]></category>
		<category><![CDATA[should I fix now]]></category>
		<category><![CDATA[What is happening with interest rates]]></category>

		<guid isPermaLink="false">http://www.fixedversusvariable.com.au/?p=346</guid>
		<description><![CDATA[If you want to be fixed, then maybe sooner is better than later, as I believe increases in fixed rates will flow through within the next two weeks.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>BSB and Account number</title>
		<link>http://www.fixedversusvariable.com.au/loan_info/bsb-and-account-number/</link>
		<comments>http://www.fixedversusvariable.com.au/loan_info/bsb-and-account-number/#comments</comments>
		<pubDate>Mon, 13 Jul 2009 09:44:23 +0000</pubDate>
		<dc:creator>Mark Boulton</dc:creator>
				<category><![CDATA[Loan info]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[account number]]></category>
		<category><![CDATA[bpay]]></category>
		<category><![CDATA[bpay loan]]></category>
		<category><![CDATA[bsb]]></category>
		<category><![CDATA[bsb loan]]></category>
		<category><![CDATA[bsb number]]></category>
		<category><![CDATA[loan repayment method]]></category>
		<category><![CDATA[loan repayments]]></category>
		<category><![CDATA[swift code]]></category>

		<guid isPermaLink="false">http://www.fixedversusvariable.com.au/?p=326</guid>
		<description><![CDATA[Having the BSB number can allow your employer to direct credit part or all of your pay to your loan. And allows pretty much anybody in Australia to transfer money to your loan account or bank account. The BSB number is a six digit number that relates to your bank (and branch). The account number is usually six to nine digits.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Line of credit</title>
		<link>http://www.fixedversusvariable.com.au/loan_info/line-of-credit/</link>
		<comments>http://www.fixedversusvariable.com.au/loan_info/line-of-credit/#comments</comments>
		<pubDate>Mon, 13 Jul 2009 09:24:17 +0000</pubDate>
		<dc:creator>Mark Boulton</dc:creator>
				<category><![CDATA[Loan info]]></category>
		<category><![CDATA[100% offset]]></category>
		<category><![CDATA[All in one]]></category>
		<category><![CDATA[amortising]]></category>
		<category><![CDATA[australian homeloans]]></category>
		<category><![CDATA[credit limit]]></category>
		<category><![CDATA[equity]]></category>
		<category><![CDATA[evergreen]]></category>
		<category><![CDATA[free redraw]]></category>
		<category><![CDATA[free transactions]]></category>
		<category><![CDATA[interest only]]></category>
		<category><![CDATA[limit]]></category>
		<category><![CDATA[line of credit]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Principal and Interest]]></category>

		<guid isPermaLink="false">http://www.fixedversusvariable.com.au/?p=324</guid>
		<description><![CDATA[A typical (residential property secured) line of credit (or "equity" loan) is a very flexible financial product, as it allows you to draw funds to a pre-determined limit, and allows normal transactional banking. A catch for some people is that these loans are usually interest only, and so without discipline, such a loan may never be paid off, if the limit is evergreen.]]></description>
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