1
16 — Centralian Advocate, Friday, January 10, 2014 Licenced Agent # AL891 Located at 3/28 Railway Terrace PH: 89 522 849 FAX: 89 527 724 E-mail: [email protected] Website: www.prestigealice.com.au 5, 8,19 & 29 Sienna Apartments: Renovated 1 bed 1 bath furnished unit, electric cooking, single c/port, pool in complex, includes electricity. .................................................. $310 p/w 5/8 Lovegrove Dr: Neat 2 bed 1 bath unfurnished townhouse, split A/C t/out, mod. kitchen with electric cooking & dishwasher, rear veranda & single c/port. .................................... $380 p/w 1/54 Telegraph Tce: Cute 2 bed 1 bath unit, split A/C t/out, kitchen with gas cooking, modern bathroom, single carport, fenced yard, complex of 3 only. ......................................... $420 p/w 2A Ballingall St: Cosy1 bed 1 bath fully furnishedstudio, split A/Ct/out, kitchen w/ gas cooking & ample cupboard space, single carport, small garden shed, gardener included, fully fenced.. . . . . . . . . $340 p/w 2/11 Cypress Ct: Freshly painted 3 bed 1 bath u/furn duplex with security screens t/out, tiled open plan living/dining, large modern kitchen with electric cooking, dishwasher, walk in pantry, large rear veranda, garden shed, single c/port. Small pets neg. . ............................................ $450 p/w 5/8 Lovegrove Dr: Tidy 2 bed 1 bath unfurnished t/house, split A/C t/out, both bedrooms with carpet & BIR’s, kitchen with electric cooking & d/washer, carport at front, fully fencedyards... . . . . . . . . . . $380 p/w 2/5 Aneura Pl: Tidy 2 bed 1 bath furnished townhouse with both split reverse & evap A/C t/out. Tiled separate living to dining area, security screens t/out. Modern kitchen with gas cooktop & electric oven, storeroom, c/yard, fully fenced, single c/port. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $460 p/w 2/5 Lindsay Ave: Immaculate4 bed 2 bath unfurnished house, split A/C in main, living & 4th bedroom, kitchen with gas cooking & d/washer, rear patio area, dual carport, fully fenced private yards, inground pool, garden shed.. . ................................................................ $650 p/w 3/15 Ballingall St: Beautiful 3 bed 2 bath furnished t/house, Splits t/out, kitchen with gas cooking & d/ washer, open plan tiled lounge & dining area, great outdoor entertainment, garden shed, single carport..$550 p/w Lot 4997 Bullen Rd: Immaculate 4 bed 2 bath rural home, amazing kitchen with gas cooking & d/washer, two living areas, rear patio area, single garage, large shed, resort style pool & entertaining area. Small pets neg. ......................................................................... $700 p/w Private Sale by Owner 7 Murray St $475,000 Or inspection by arrangement 0448 869 508 Ï^ůŨƒŇƐŦūŵŤűŨūƐèųŦūūŬŇŨʼnƐŇŨʼnŦƗŧŇŬŨūŵŀňŬŦŨʼnŇƎűŨŦƐūňťŇƐŨňʼnê ÏƄƠƠŁƎŬŤūňťŪèŦŁƐŇŤūŨŁŀŦƗĹŇůƗŦʼnŁèūŇůĹŦŤŨůƗŇƒŨŇůŵèŤŇťŪŁňʼnƐň ťůňųʼnūŇʼnƗê ÏƢŦƗůňňŬŁųŨƐŀ9`èƾŤŇƐŀůňňŬŁèGŇůĹŦĹŇŁŪŨƐťŀŦʼnųŨƐŀ ƗŨŁŀųŇŁŀŦůê ÏƾťŇůťŇůƍňůƐƍūűŁƾťŇůƍňųŦůŦƗųňůŪŁŀňƍţĹŇůŇĹŦê Ï`ţƗűťƐŦƗŇŨůéťňʼnƗŨƐŨňʼnŨʼnĹ÷ŦƒŇƍňůŇƐŨƒŦƗűťƐŦƗťňňūŨʼnĹè ƍūűŁťŦŨūŨʼnĹŧŇʼnŁƐŀůňűĹŀňűƐê ÏŤňƒŦĹůňűʼnƗǀƍŦůŁňʼnŁƍŇèƍūűŁĹŇƖŦŤňêzŨƗŦƒŦůŇʼnƗŇŇůňűʼnƗ ƐŀŦųŀňūŦŀňŬŦê 0űůƐŀŦůŨʼnŧňůŬŇƐŨňʼnŇƒŇŨūŇŤūŦňʼnůŦŇūŦŁƐŇƐŦêťňŬêŇű RƍŦʼn6ňűŁŦédŇƐűůƗŇŵơơƐŀCŇʼnűŇůŵèơƠêƢƠŇŬŃơƾʼnňňʼn 15/8 Lovergrove Drive $285,000 Affordable Townhouse Upgraded bathroom and kitchen, two bedrooms, built-in robes, generous tiling, split system air conditioning, secure paved courtyard/entertainment area. Open Saturday 12.00 – 12.30pm OPEN OPEN Mardi Cotterill ~ Eli Melky M: 0418 897 236 www.goldenhome.com.au Level 1 Anangu House - 44 Bath St 19/2 Tilmouth Court $229,000 Offers Invited Compact Convenient Affordable First home or investment, Range Views, gated complex, 1br Built in robes, well equipped kitchen, solar hot water, gas cooking undercover vehicle parking, currently rented $275 p.w Open By Appointment Room For Family to Grow 1170 sqm allotment near to Shops, Schools, Family Club, Parks & Health Centre. 4 Bdrms, 2 Bathrooms, 2 Living Areas. Large Kitchen, Large Laundry. Fully Aircon. Open Saturday 11.00 – 11.30am 37 Newland Street $308,000 OPEN CBD Head Lease Potential 2 large bedrooms, two bathrooms, open plan living, dining, kitchen large laundry, loads of storage, 2 split systems. Lock up parking, private courtyard. Open Saturday 1.00 – 1.30pm 6/3 Gap Road $348,000 OPEN OPEN Golden Home Real Estate The Alice... A Golden Home Town Licensed Agent AL559 20/50 South Terrace $299,000 First Home or Investment Secure Gated Complex, gracious leafy environment, end unit at rear of complex, 2 bedrooms, built-in robes, 2 toilets, bright airy bathroom, natural gas cooking and heating. Excellent tenants. Priced to sell. Open By Appointment Price: $719,000 Peace and tranquil rural living with views to die for. s,OCATEDJUSTKMFROMTHE#"$INAGENUINEBLUECHIPAREA sACRESPROPERTYCARCARPORTLARGETANKS sLARGEBEDROOMSBATHROOMSANDASTUDYTHBEDROOMLIVINGROOM s /PENPLANDESIGNINCLUDESANENORMOUSMODERNKITCHENANDCOMFORTABLEDININGAND LIVINGAREAS s%XTENSIVEPAVEDFULLLENGTHVERANDAWITHCEILINGFANSFRONTEDBYAHUGEEXPANSEOFLAWN s3ITUATEDRIGHTNEXTDOORTOONEOFTHE.4SBESTPRIMARYSCHOOLS Open inspection – Saturday 11th January 10.30-11.00am Realestate.com.au 171 Ragonesi Road, Alice Springs 6 bed 2 bath 3 car OPEN Words to succeed P ost words, achieve big, build success day-by-day. Last year I posted four words on my bathroom mirror: Finish, Write, Shape, and Yea. I finished the 21.5 Unbreakable Laws of Selling. I wrote 1000 words a week and documented hundreds of ideas. My shape is still plus 20 pounds, so that word will remain this year. I maintained my yes attitude, but seeing the word every morning and evening in my bathroom mirror helped. Not bad achievement results but still being 20 pounds overweight shows a flaw in my self-discipline. Not good. Based on last year’s success, this year I decided to create two four-word categories. One for achievement and one for improvement. Not ‘‘goals’’ in the sense that you may be thinking about. Rather, intentions that I consciously and subconsciously work on every day to build success all year long. By posting the words on my bathroom mirror, I consciously see them each day, and subconsciously think about them and act on them regularly. Because they’re right in front of me every morning and every evening, they are inescapable mental confrontations. Oh, and the process works. After I explain each word I have selected for this year, I’ll provide a lesson you can incorporate as you select your word(s). The lesson is the motive behind the word so you can use the same principle as you generate your words. On the achievement side of life, my four words are: Adviser, Digital, Power and Time. Adviser: I launched the Gitomer Certified Adviser program in the fall of 2013. Instant success. I’ve certified more than 100 advisers. They’re independent businesspeople who are now marketing their sales and personal development services using my intellectual property, both online and in the classroom. In 2014 I will intensify the program and the process until there are 500 certified advisers globally. Lesson: Once you have a successful idea, program, game plan, or process strengthen it. Pick an achievement target, and figure out what you have to do weekly to make it a reality. What’s one word that describes your biggest achievement target? Digital: Convert all paper, CD, and DVD to digital. Create financial and distribution opportunities only available to digital information dissemination. The world is not quite ready for all digital, but I will be. Lesson: Don’t stay attached to old technology or products even though they have brought success and profit in the past. Companies like Yellow Pages, Blackberry, and AOL have buried themselves by not advancing soon enough. Companies like Amazon, Zappos, and Apple have marched to the head of the class by innovating before the market did, and they set the standard for others to follow. When someone says ‘‘It’s just like an iPad’’ what they’re really saying is ‘‘iPad set the standard’’. I want someone to say ‘‘I’m just like Gitomer’’. What’s one word that describes the standard you are trying to set? Power: This year I intend to capitalise on the convergent power of reputation, brand, intellectual property, and online distribution. Content is more than king. It is desired and bought by those in need. And with online, on-demand video, concentration on marketing and distribution are on the top of my list. Lesson: Your experience has given you both success and expertise. What expertise and success can you combine that will give you a market- dominant opportunity? What’s one word that describes what you’re trying to capitalise on? Time My most precious resource and yours! This year I intend to take control of it and make it my own. Not manage it, rather allocate it to things I want to do, rather than things I have to do. I want to write, speak, travel, learn, read, and have meaningful family time. It’s the subtle difference between ‘‘spending’’ time and ‘‘investing’’ time. I have written about time allocation before, now it’s a matter of taking ownership of it. Lesson: Wasted time is at the top of lost resources for most people. Don’t let that be you. In 1889, Orison Swett Marden wrote ‘‘Do not realise the immense value of utilising spare minutes.’’ What’s a word that offers you greater investment in your most precious, non- recoverable resource? Hopefully the words I have chosen and the lessons I have provided will inspire you to write and define your words for the year. Interestingly, you most likely know in your mind what they are, but have yet to bring them to your bathroom mirror. Jeffrey Gitomer is the author of 12 best- selling books including The Sales Bible and The Little Red Book of Selling. His best- selling new book, 21.5 Unbreakable Laws of Selling, is now available. Home ownerships costs to our low interest rates T he Reserve Bank is keeping its official cash rate to its lowest since 1959 in an attempt to revive lagging household spirits. RBA governor Glenn Stevens has decided the risk of a housing bubble is less than the risk of rising joblessness and a slowing economy if rates are not cut. While the lower interest rates are good for borrowers, the higher house prices that result make the hurdle for home ownership that much higher. But assuming the deposit can be afforded - a huge assumption - and assuming that house prices and bank deposits returned about the same annual growth, you’d be better off in property, simply because of the tax breaks available. There was not an RBA board meeting this month. The next meeting will be on the first Tuesday in February. Grab a top deal C ash-back incentives, interest rate discounts and fee waivers are among the multitude of mortgage incentives flooding the market. Industry experts say the mortgage industry is at its most competitive level since the global financial crisis, and Australians should expect to see many more attractive mortgage deals pop up this year to attract new business. Interest rates have remained at historically low levels and the Reserve Bank of Australia has kept the cash rate on hold at 2.5 per cent since August. Analysis by comparison website Finder found gift cards and cash back offers along with hefty interest rate reductions and fee waivers are among the dozens of incentives on offer. The site’s spokeswoman, Michelle Hutchison, said this time of year was quieter for both the property and mortgage markets.

OPEN Words to succeed · 2020-04-23 · 171 Ragonesi Road, Alice Springs 6 bed 2 bath 3 car OPEN Words to succeed Post words, achieve big, build success day-by-day. Last year I posted

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Page 1: OPEN Words to succeed · 2020-04-23 · 171 Ragonesi Road, Alice Springs 6 bed 2 bath 3 car OPEN Words to succeed Post words, achieve big, build success day-by-day. Last year I posted

16 — Centralian Advocate, Friday, January 10, 2014

Licenced Agent # AL891

Located at 3/28 Railway TerracePH: 89 522 849 FAX: 89 527 724

E-mail: [email protected] Website: www.prestigealice.com.au5, 8,19 & 29 Sienna Apartments: Renovated 1 bed 1 bath furnished unit, electric cooking, single c/port, pool in complex, includes electricity. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$310 p/w

5/8 Lovegrove Dr: Neat 2 bed 1 bath unfurnished townhouse, split A/C t/out, mod. kitchen with electric cooking & dishwasher, rear veranda & single c/port. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $380 p/w

1/54 Telegraph Tce: Cute 2 bed 1 bath unit, split A/C t/out, kitchen with gas cooking, modern bathroom, single carport, fenced yard, complex of 3 only. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$420 p/w

2A Ballingall St: Cosy1 bed 1 bath fully furnishedstudio, split A/Ct/out, kitchen w/ gas cooking & ample cupboard space, single carport, small garden shed, gardener included, fully fenced.. . . . . . . . . $340 p/w

2/11 Cypress Ct: Freshly painted 3 bed 1 bath u/furn duplex with security screens t/out, tiled open plan living/dining, large modern kitchen with electric cooking, dishwasher, walk in pantry, large rear veranda, garden shed, single c/port. Small pets neg. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$450 p/w

5/8 Lovegrove Dr: Tidy 2 bed 1 bath unfurnished t/house, split A/C t/out, both bedrooms with carpet & BIR’s, kitchen with electric cooking & d/washer, carport at front, fully fencedyards... . . . . . . . . . . $380 p/w

2/5 Aneura Pl: Tidy 2 bed 1 bath furnished townhouse with both split reverse & evap A/C t/out. Tiled separate living to dining area, security screens t/out. Modern kitchen with gas cooktop & electric oven, storeroom, c/yard, fully fenced, single c/port. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $460 p/w

2/5 Lindsay Ave: Immaculate4 bed 2 bath unfurnished house, split A/C in main, living & 4th bedroom, kitchen with gas cooking & d/washer, rear patio area, dual carport, fully fenced private yards, inground pool, garden shed.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$650 p/w

3/15 Ballingall St: Beautiful 3 bed 2 bath furnished t/house, Splits t/out, kitchen with gas cooking & d/washer, open plan tiled lounge & dining area, great outdoor entertainment, garden shed, single carport..$550 p/w

Lot 4997 Bullen Rd: Immaculate 4 bed 2 bath rural home, amazing kitchen with gas cooking & d/washer, two living areas, rear patio area, single garage, large shed, resort style pool & entertaining area. Small pets neg. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$700 p/w

Private Sale by Owner 7 Murray St

$475,000

Or inspection by arrangement 0448 869 508

Ï�^ůŨƒ%ƐŦūŵ�ŤűŨūƐè�ųŦūū�Ŭ%Ũ'Ɛ%Ũ'ŦƗ�ŧ%ŬŨūŵ���ŬŦ�Ũ'�%�ƎűŨŦƐ�ū�ť%ƐŨ�'êÏ�ƄƠƠ�ƎŬ�Ťū�ťŪè�Ŧ�Ɛ%ŤūŨ��ŦƗ�%ůƗŦ'�è�ū%ůŦ�ŤŨůƗ�%ƒŨ%ůŵè�Ť%ťŪ���'Ɛ����ťů�ų'�ū%'ƗêÏ�Ƣ��ŦƗů��Ŭ��ųŨƐ���9`è�ƾ�Ť%Ɛ�ů��Ŭ�è�G%ůŦ�%��ŪŨƐť�Ŧ'�ųŨƐ�����ƗŨ��ų%��ŦůêÏ�ƾ�ť%ů�ť%ůƍ�ůƐ�ƍūű��ƾ�ť%ů�ƍ�ųŦůŦƗ�ų�ůŪ���ƍţ%ů%ŦêÏ�`ţ��ƗűťƐŦƗ�%Ũůéť�'ƗŨƐŨ�'Ũ'�÷�Ŧƒ%ƍ�ů%ƐŨƒŦ�ƗűťƐŦƗ�ť��ūŨ'è���ƍūű��ťŦŨūŨ'�ŧ%'��Ɛ�ů�ű��űƐêÏ��Ť�ƒŦ�ů�ű'Ɨ�ǀ�ƍŦů��'��ƍ%è�ƍūű��%ƖŦŤ�ê�zŨƗŦ�ƒŦů%'Ɨ%�%ů�ű'Ɨ���Ɛ�Ŧ�ų��ūŦ���ŬŦê

0űůƐ�Ŧů�Ũ'ŧ�ůŬ%ƐŨ�'�%ƒ%Ũū%ŤūŦ��'�ůŦ%ūŦ�Ɛ%ƐŦêť�Ŭê%ű

RƍŦ'�6�ű�Ŧ�é�d%ƐűůƗ%ŵ�ơơƐ��C%'ű%ůŵè�ơƠêƢƠ%Ŭ���ơƾ�'��'

15/8 Lovergrove Drive $285,000

Affordable Townhouse

Upgraded bathroom and kitchen,

two bedrooms, built-in robes,

generous tiling, split system

air conditioning, secure paved

courtyard/entertainment area.

Open Saturday 12.00 – 12.30pm

OPEN

OPEN

Mardi Cotterill ~ Eli Melky M: 0418 897 236

www.goldenhome.com.auLevel 1 Anangu House - 44 Bath St

19/2 Tilmouth Court $229,000

Offers InvitedCompact Convenient Affordable First home or investment, Range Views, gated complex, 1br Built in robes, well equipped kitchen, solar hot water, gas cooking undercover vehicle parking, currently rented $275 p.wOpen By Appointment

Room For Family to Grow

1170 sqm allotment near to

Shops, Schools, Family Club,

Parks & Health Centre. 4 Bdrms, 2

Bathrooms, 2 Living Areas. Large

Kitchen, Large Laundry. Fully Aircon.

Open Saturday 11.00 – 11.30am

37 Newland Street $308,000

OPEN

CBD Head Lease Potential

2 large bedrooms, two bathrooms,

open plan living, dining, kitchen

large laundry, loads of storage, 2

split systems. Lock up parking,

private courtyard.

Open Saturday 1.00 – 1.30pm

6/3 Gap Road $348,000

OPEN

OPEN

Golden Home Real EstateThe Alice... A Golden Home Town

Licensed Agent AL559

20/50 South Terrace $299,000

First Home or InvestmentSecure Gated Complex, gracious leafy environment, end unit at rear of complex, 2 bedrooms, built-in robes, 2 toilets, bright airy bathroom, natural gas cooking and heating. Excellent tenants. Priced to sell. Open By Appointment

Price: $719,000Peace and tranquil rural living with views to die for.

s�,OCATED�JUST��KM�FROM�THE�#"$�IN�A�GENUINE�BLUE�CHIP�AREA

s���ACRES�PROPERTY����CAR�CARPORT����LARGE�TANKS

s���LARGE�BEDROOMS����BATHROOMS�AND�A�STUDY��TH�BEDROOM�LIVING�ROOM

s��/PEN�PLAN�DESIGN�INCLUDES�AN�ENORMOUS�MODERN�KITCHEN�AND�COMFORTABLE�DINING�AND�

LIVING�AREAS

s�%XTENSIVE�PAVED�FULL�LENGTH�VERANDA�WITH�CEILING�FANS�FRONTED�BY�A�HUGE�EXPANSE�OF�LAWN

s�3ITUATED�RIGHT�NEXT�DOOR�TO�ONE�OF�THE�.4S�BEST�PRIMARY�SCHOOLS

Open inspection – Saturday 11th January 10.30-11.00am

Realestate.com.au

171 Ragonesi Road, Alice Springs 6 bed 2 bath 3 car

OPEN

Words to succeedPost words, achieve big, build success

day-by-day.Last year I posted four words on mybathroom mirror: Finish, Write, Shape,and Yea.I finished the 21.5 Unbreakable Laws ofSelling.I wrote 1000 words a week anddocumented hundreds of ideas.My shape is still plus 20 pounds, so thatword will remain this year.I maintained my yes attitude, but seeingthe word every morning and evening inmy bathroom mirror helped.Not bad achievement results but still being20 pounds overweight shows a flaw in myself-discipline. Not good.Based on last year’s success, this year Idecided to create two four-wordcategories. One for achievement and onefor improvement. Not ‘‘goals’’ in the sensethat you may be thinking about. Rather,intentions that I consciously andsubconsciously work on every day tobuild success all year long.By posting the words on my bathroommirror, I consciously see them each day,and subconsciously think about them andact on them regularly.Because they’re right in front of me everymorning and every evening, they areinescapable mental confrontations. Oh,and the process works.After I explain each word I have selectedfor this year, I’ll provide a lesson you canincorporate as you select your word(s).The lesson is the motive behind the wordso you can use the same principle as yougenerate your words.On the achievement side of life, my fourwords are: Adviser, Digital, Power andTime.Adviser: I launched the Gitomer CertifiedAdviser program in the fall of 2013.Instant success. I’ve certified more than100 advisers. They’re independentbusinesspeople who are now marketing

their sales and personal developmentservices using my intellectual property,both online and in the classroom.In 2014 I will intensify the program andthe process until there are 500 certifiedadvisers globally.Lesson: Once you have a successful idea,program, game plan, or processstrengthen it.Pick an achievement target, and figure outwhat you have to do weekly to make it areality.What’s one word that describes yourbiggest achievement target?Digital: Convert all paper, CD, and DVDto digital. Create financial and distributionopportunities only available to digitalinformation dissemination.The world is not quite ready for all digital,but I will be.Lesson: Don’t stay attached to oldtechnology or products even though theyhave brought success and profit in thepast.Companies like Yellow Pages, Blackberry,and AOL have buried themselves by notadvancing soon enough.Companies like Amazon, Zappos, andApple have marched to the head of theclass by innovating before the market did,and they set the standard for others tofollow.When someone says ‘‘It’s just like an iPad’’what they’re really saying is ‘‘iPad set thestandard’’.I want someone to say ‘‘I’m just likeGitomer’’.What’s one word that describes the

standard you are trying to set?Power: This year I intend to capitalise onthe convergent power of reputation,brand, intellectual property, and onlinedistribution.Content is more than king. It is desiredand bought by those in need. And withonline, on-demand video, concentrationon marketing and distribution are on thetop of my list.Lesson: Your experience has given youboth success and expertise.What expertise and success can youcombine that will give you a market-dominant opportunity?What’s one word that describes whatyou’re trying to capitalise on?Time My most precious resource andyours! This year I intend to take control ofit and make it my own.Not manage it, rather allocate it to thingsI want to do, rather than things I have todo.I want to write, speak, travel, learn, read,and have meaningful family time.It’s the subtle difference between‘‘spending’’ time and ‘‘investing’’ time.I have written about time allocation before,now it’s a matter of taking ownership of it.Lesson: Wasted time is at the top of lostresources for most people.Don’t let that be you. In 1889, OrisonSwett Marden wrote ‘‘Do not realise theimmense value of utilising spare minutes.’’What’s a word that offers you greaterinvestment in your most precious, non-recoverable resource?Hopefully the words I have chosen andthe lessons I have provided will inspireyou to write and define your words for theyear. Interestingly, you most likely knowin your mind what they are, but have yetto bring them to your bathroom mirror.Jeffrey Gitomer is the author of 12 best-selling books including The Sales Bible andThe Little Red Book of Selling. His best-selling new book, 21.5 Unbreakable Laws ofSelling, is now available.

Home ownerships costs to our low interest rates

The Reserve Bank is keepingits official cash rate to its

lowest since 1959 in anattempt to revive lagginghousehold spirits.

RBA governor Glenn Stevenshas decided the risk of a

housing bubble is less than therisk of rising joblessness and aslowing economy if rates arenot cut.

While the lower interest ratesare good for borrowers, thehigher house prices that result

make the hurdle for homeownership that much higher.

But assuming the deposit canbe afforded - a hugeassumption - and assumingthat house prices and bankdeposits returned about the

same annual growth, you’d bebetter off in property, simplybecause of the tax breaksavailable.There was not an RBA boardmeeting this month. The nextmeeting will be on the firstTuesday in February.

Grab atop dealCash-back incentives,

interest rate discounts andfee waivers are among themultitude of mortgageincentives flooding the market.Industry experts say themortgage industry is at its mostcompetitive level since theglobal financial crisis, andAustralians should expect tosee many more attractivemortgage deals pop up thisyear to attract new business.Interest rates have remained athistorically low levels and theReserve Bank of Australia haskept the cash rate on hold at2.5 per cent since August.Analysis by comparisonwebsite Finder found gift cardsand cash back offers along withhefty interest rate reductionsand fee waivers are among thedozens of incentives on offer.The site’s spokeswoman,Michelle Hutchison, said thistime of year was quieter forboth the property andmortgage markets.