... “ An analysis of the key macro and micro economics factors which impact on the current Australian housing market” Introduction This paper explores the current situation of the Australian housing market. This paper will place a major focus on how macro and microeconomics impact the housing market in Australia. The paper starts off with the Australian economy and the housing market at the moment. The next section is the major part of this essay as it focuses on the macroeconomics factors, which have formed the housing market. The following section briefly explores the microeconomics factors, which have formed the housing market. And finally the last section of this paper ended by a conclusion. Australia and the housing market Throughout the years we have seen a massive change in prices when buying a house in Australia, this is due to many different factors, which have had a big impact on the economy itself. One of the main reasons why prices have been going up is because of the population growth. As we know as the demand increases, price also increases. Recently we have seen a change in people willing to buy a house, they are mostly aged between 22 to 42 years old and in most cases, they can not afford to buy a house because prices in Australia those days have the status of been really peaky and unaffordable. Key macroeconomic factors As the demand for housing is increasing so is the prices, which were paid for them. Because the demand for housing is so high...
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...is2010 Due Diligence Report - Catania Edward Natour Student ID: 10589796 5/26/2010 Contents 1. Executive Summary ............................................................................................................................................5 2. Market Report ......................................................................................................................................................5 2.1 International Economy ...............................................................................................................................5 2.2 Trade ............................................................................................................................................................6 2.3 National .......................................................................................................................................................6 2.3.1 GDP .........................................................................................................................................................6 2.3.2 Population...............................................................................................................................................7 2.3.3 Interest rates...........................................................................................................................................7 2.3.4 Taxation ............................
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...Property Research Report -Comparative Postcode & Property Analysis Jenna Trickett – s2799937 Scott Hollonds - s2800815 Property Research Report -Comparative Postcode & Property Analysis Jenna Trickett – s2799937 Scott Hollonds - s2800815 Semester One, 3219HSL Property Development Process Semester One, 3219HSL Property Development Process 08 Fall 08 Fall Jenna Trickett – 4214, Arundel Analysis Jenna Trickett – 4214, Arundel Analysis Scott Hollonds – 4216, Biggera Waters Analysis Scott Hollonds – 4216, Biggera Waters Analysis This report consists of three parts: two individual reports about two dwellings in two different postcodes and then a third part which compares the two dwellings and concludes with deciding which would be the best investment property with the most rental income. The first part of this report is focused on the postcode of 4214 which consists of suburbs such as Arundel, Parkwood, Molendinar and Ashmore. The price range that has been researched is between $500,000 to $600,000.The dwelling types that was given for this assignment was a house with 3 to 4 bedrooms, 2 bathroom and 2 garage car spaces. Refer to Appendix Five where you can see a picture of the property that matched this profile which I would purchase is located at 26 Petworth Court in the suburb of Arundel. It is a 4 bedroom, 2 bathrooms, with 2 garage spaces and 2...
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...Business in Asia Country Based Business Opportunities Project Housing Opportunities in India Entering the Indian Housing Market ASIAM 2005 Due: 16th September 2005 Submitted: 10th September 2005 Submitted by: Please return graded assignment to: Brendan O’Farrell – 15 Tandanya Street Deakin Uni - S/N 201027576 Mansfield QLD 4122 TABLE OF CONTENTS 1. Executive Summary 3 2. Introduction 4 3. Country Profile 5 3.1 Population & Demographics 5 3.2 Raw Materials and Infrastructure 6 4. Socio-culture 7 4.1 Religion and Language 7 4.2 Indian Housing 7 4.3 Regional Development 8 4.4 Business Environment 9 5. Political, Security and Legal 10 6. Current and Future Environmental Factors now and as at 2008 11 6.1 Economical 11 7. Industry and Competitor Analysis 13 8. Strategy and Planning 14 8.1 Product Description 14 8.2 Product Manufacturing 14 8.3 Product Distribution Channel 15 8.4 Resource Delivery and Labourer Relations 16 8.5 Product Advantage 16 9. Mode of Entry 17 9.1 Options for Mode of Entry 17 9.2 Recommended Mode of Entry 18 9.3 Organisational Structure and Compensation 20 10. Monitoring and Control 21 10.1 Product Monitoring 21 10.2 Performance Measurement 21 11. Future and Exit Strategy 22 12. Conclusion 23 13. References 24 14. Appendices 27 1. Executive Summary This report was commissioned to examine and analyse environmental information on India to produce...
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...INTRODUCTION **** marketing definition Macro economics is the study of the behaviour and trends in the economy as a whole involving the analysis of six major forces to identify possible opportunities and threats available to the organisation. To illustrate these forces, the hypothetical “Bamboo Company” (located in Sydney New South Wales) will be used. This organisation has prided itself on the use of recyclable and renewable resources where possible and as a result, has developed the Bambicycle. This entry level hybrid bicycle combines the best attributes of a road bike and a mountain bike in one as well as being constructed by bamboo which is one of the world’s fastest growing renewable resources. An analysis of the six macroeconomic influences with reference to the Bamboo Company are as follows: THE DEMOGRAPHIC ENVIRONMENT Demographics is the statistical study of the population as a whole, consisting of the following variables and how they will affect the bicycle marketing environment: – The changing age structure of population “Australia's population, like that of most developed countries, is ageing as a result of sustained low fertility and increasing life expectancy” (Australian Bureau of Statistics [ABS], 2010a para 7). The proportion of the population aged 65 years and over is projected to increase from 13% in 2007 to between 23% and 25% in 2056, and 25% and 28% in 2101 (ABS, 2010c para 15) with the first...
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...------------------------------------------------- bs:327 Financial STATEMENT Valuatioin & analysis Stage I: Industry and Media Analysis August 21, 2014 MONTY hICKS 20110738 August 21, 2014 MONTY hICKS 20110738 Introduction The Australia retail sector is under huge pressures from many different forces. In the recent Lander & Rogers Briefing, Myer CEO Bernie Brooks referred to the current environment as ‘the third big revolution of the past 100 years’ for retail. This analysis will look at recent opinions and commentary on the Australian retail sector, with a focus on the potential consequences for the economic future for Myer. These commentaries will assist in highlighting the forces that are in play within the sector and elucidate the position of Myer within the current industry. The analysis will finish with a brief discussion of the key issues that face Myers level of profitability going into the future Media Analysis Australian Retailers Get Serious About Online Shopping The Sydney Morning Herald, March 22 2014 This article colossally brings to light the biggest single force that faces retail in today’s technology driven environment. It starts by bringing the reality of the effects of online shopping on retail in a very revealing manner. It tells the story of a member of the audience looking over a model ridden catwalk at the Melbourne Fashion Show, while witnessing the latest fashions being introduced into the market. The normal sequence of events for her is to visit a retail store...
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...FINC20006 ORGANISATIONAL FINANCE TERM 1 2014 FINC20006 ORGANISATIONAL FINANCE TERM 1 2014 Assestment task 2 Bisweek Online Services Lect /Tute: Kate Wylie Due date: 10 April, 2014 Assestment task 2 Bisweek Online Services Lect /Tute: Kate Wylie Due date: 10 April, 2014 Yi Zhuojun Student number: s0248180 Diana Carolina lopez Student number: s0255675 Yi Zhuojun Student number: s0248180 Diana Carolina lopez Student number: s0255675 Question 1 If the handout from government is put in a special bank savings account with 6% p.a interest compounded yearly and it will be deposited in that account for average 20 years. Thus, the amount of money at the average person’s retirement age will be the future value of the current $10,000 with 6% p.a interest compounded yearly. n is the average years for the handout sitting in the bank savings account and generating interests. i is the interest rate, which is 6% p.a in this investment. PV is the present value of the handout, which is $10,000. FV is the future value of this handout after 20years. n=64-44=20 FV=PV(1+i)n=10,000(1+0.06)20=32,071.35 In short, if this handout from the government is put in a special bank savings account with 6% p.a. interest compounded yearly, it will grow to $32,071.35 in 20 years. Question 2 If the handout from government is put into the sharemarket for 20 years with average return of 12% p.a, the amount at the average person’s retirement age will be much...
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...Assessment 2: Mini Case Analysis After conducting an extensive PESTLE analysis into Australia’s environment, the following will outline how Australia’s economic, social and technological macro environmental factors will impact Giant TMC Berhad’s success in the Supermarket and Grocery Stores industry. Economic Factors Financially, the Australian economy has had, “an annual average Gross Domestic Product (GDP) growth rate of 2.9 percent over the past 10 years,” demonstrating its resilience despite the subdued customer confidence due to the global financial crisis (Australian Food and Grocery Council 2014, p. 9). Consistent with this, the two issues below must first be considered to determine Giant’s opportunities in the market. Household Debt As a result of the simultaneous decline in interest rates and increase in property prices, Australia’s reliance on debt has enhanced. Trading Economics (2016) has forecast this trend is set to increase exponentially from its household debt of 123.10% of GDP in 2015. This trend is set to intensify the pressure on many average Australians as the income growth rate of 1.3% slowly trails behind, negatively influencing customer spending patterns (Phillips and Taylor 2015, p. 3). Unemployment Rates On the contrary, the Australian Bureau of Statistics (2016) have indicated unemployment rates have now fallen to their lowest point in over one and a half years, reporting at 5.8% in February this year. With the Australian economy growing 3%...
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...Key Issues 1. Distribution When best buy enters the Australian Market, the location and size of their stores will be critical to their success. This is how they will access their target market. It is also critical that Best Buy implements a strong supply chain and inventory control system. The Distribution is just as important from the manufacturer to the retail location, as is the retail location to the consumer distribution channel. 2. Implementing an online store as a substitute to their retail locations 3. Store Design The design and layout of the store will be a description of the Best Buy Brand. As this brand is new to the Australian market, the design of the store will be the most effective marketing tool that Best Buy has at their disposal. 4. Creating strategic alliances As it is a new business to Australia, the choice of whom, the business aligns themselves with, will determine how the Australian consumer perceives them. Target Market The target market strategy that is being recommended for Best Buy to use when entering the Australian market place is a broad-spectrum target market. The target market can be described as singles and families aged between 20 and 55 years old. They are the middle-class, living primarily in urban areas. This group is moderately technologically savvy and they want specialized electrical product knowledge and service at a competitive price. They also want a wide range of products all in one location. This group’s path...
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...Asia Pacific Equity Research 25 February 2005 Australian Mortgage Industry Volume 1 A Lot of Fat ! JPMorgan Australian Banks Team Brian Johnson (61-2) 9220-1605 brian.d.johnson@jpmorgan.com Richard Wiles (612) 9220 1525 richard.e.wiles@jpmorgan.com Ed Henning (61-2) 9220-1933 ed.a.henning@jpmorgan.com Fujitsu Australia Team Martin North (61-2) 9293-0617 martin.north@au.fujitsu.com Tom Dissing (61-2) 9293-0423 tom.dissing@au.fujitsu.com This report is the result of a joint effort between Fujitsu Australia and JPMorgan, focusing on developments in the Australian mortgage industry. We use the Fujitsu Mortgage Market and Yield Improvement Modelling. See page 30 for analyst certification and important disclosures, including investment banking relationships. JPMorgan does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision. Brian Johnson (61-2) 9220-1605 brian.d.johnson@jpmorgan.com Asia Pacific Equity Research 25 February 2005 Table of Contents Executive Summary .................................................................3 Industry Overview ....................................................................5 Mortgage Brokers................................................................
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...Chapter 1 The Financial Services Industry: Depository Institutions Overview • In this chapter, we explore two major depository institution (DI) groups: – Banks, and – Non-bank depository institutions. • We focus on the major characteristics of each group: – Size, structure and composition of industry group, – Balance sheets and recent trends, – Regulation. • In Australia, the Australian Prudential Regulation Authority (APRA) authorises financial institutions to carry out financial intermediation. Copyright 2007 McGraw-Hill Australia Pty Ltd PPTs t/a Financial Institutions Management 2e, by Lange, Saunders, Anderson ,Thomson and Cornett Slides prepared by Maike Sundmacher 1-2 Products Sold by the Financial Services Industry • Comparing the products of DIs in 1950 and 2006: – Much greater distinction between types of DIs in terms of products in 1950 than in 2006. – Blurring of product lines and services over time. – Wider array of services offered by all DI types. – Refer to Tables 1.1A and 1.1B in the text. Copyright 2007 McGraw-Hill Australia Pty Ltd PPTs t/a Financial Institutions Management 2e, by Lange, Saunders, Anderson ,Thomson and Cornett Slides prepared by Maike Sundmacher 1-3 Banks • Banks are the largest depository institutions in terms of size. • Major difference between banks and credit unions/savings institutions: banks have more varied assets and liabilities. • Differences in operating characteristics and ...
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...The impact of the global financial crisis on social services TABLE OF CONTENTS EXECUTIVE SUMMARY ......................................................................................................... 1 1. 2. Introduction ...................................................................................................................2 Background: an overview of the financial crisis........................................................ 4 2.1 2.2 2.3 Origins of the global financial crisis .....................................................................................4 Impacts on the real economy...............................................................................................4 Implications for the economic outlook..................................................................................5 Macroeconomic overview ....................................................................................................6 Key impacts on low-income households............................................................................13 The social services sector..................................................................................................17 Services provided to individuals and families ....................................................................21 Capacity of the system to deliver .......................................................................................27 3. Australia’s economic outlook ......................
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...The main reasons for Australian pork exports to Singapore increased from 60,000 kg in 1998 to 28.8 m.kgs by 2001, which included: Market Orientation - Define clear and success marketing plan ◆ In 1996 and 1997 Foot and Mouth Disease (FMD) appeared in Taiwan’s and South Korea, people started to pay more attention and awareness on the safety of livestock. In addition of the “Nipah” virus appeared Malaysia in late 1998 and which amplified the customers needs and demands on virus free livestock. ◆ Maximize the exchange of value by Australia Pork Industry, Confederation of Australian Pork Exporters (CAPE), had been formed with the NPIDP funds, after several pre-market development program, industry review and training such as NPIDP, PPGP PPEP, with aim to improve the international competitiveness identify market needs and business opportunities ◆ Coordinated efforts of APL, the Australian Pork Limited and the Australian Quarantine and Inspection Service (AQIS) to identify export market opportunities and promote competitive Australian products and also development superior benefit proposition for Singaporean customers. ◆ Review the existing pork provider in Singapore, their direction on marketing still focusing on sales oreniention, seldom to have details analysis on customer needs and wants. Understand Needs and Wants Of customer and their buying behavior ◆ Identified Pork is the big part of daily diet of Singapore’s people. And have desperately needed on healthy...
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...information will give Lowe’s a better understanding of its company and what improvements can be made in the short-term and long-term. Current Strategy Lowe’s current strategy is to differentiate itself through better customer service. Lowe’s other focus is on the changing home improvement landscapes. In recent years home owners have changed how landscaping looks and operates. Lastly, Lowe’s is looking to deliver long-term profitable growth and substantial return to its shareholders. Competitive Analysis Lowe’s will continue to develop deeper, more meaningful relationships with its customers by having strong brand value and giving support to its customers. Its main focus is “do it yourself” home owners and having larger more spacious stores compared to its competitors. Lowe’s and Home Depot have both aggressively expanded in the United States, especially in the metropolitan market. SWOT Analysis -Lowe’s Home Improvement Strengths * Brand Recognition * Distribution Network * Market Position Lowe’s is the second largest home improvement retailer in the United States, next to Home Depot. It has a strong brand recognition that is recognized across the U.S. as well as parts of Canada and Australia. Lowe’s Slogan ‘Never Stop Improving’ resonates well with customers to send a clear message of its mission. Lowe’s distribution of products is of better quality and...
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...The Australian Financial System in the 2000s: Dodging the Bullet Kevin Davis* Abstract The global financial crisis (GFC) occupied only a quarter of the decade of the 2000s but, because of its severity and implications for future financial sector development, dominates the decade. The Australian financial system coped relatively well with the GFC, raising the question of whether there was something special about its structure and prior evolution which explains that experience. This paper reviews Australian financial sector performance and development over the decade, then provides a more detailed overview of the Australian GFC experience and its implications, and considers explanations for the Australian financial sector resilience. 1. Introduction The Australian (and global) financial system entered the first decade of the millennium preparing for a systems crisis, in the form of the Y2K computer scare, which on 1 January 2000 passed without event. But towards the end of the decade, the financial sector was faced with, arguably, its most serious systemic crisis ever, which the Australian financial system and economy weathered relatively well compared with advanced nations in the northern hemisphere.1 While the GFC occupied only one-quarter of the past decade (from mid 2007), it prompts the questions which this review must seek to answer. Was there something about the structure and evolution of the Australian financial system which explained its resilience in the face...
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