00:00:01 1 NATHAN RUBIN DIED
00:13:09 2 ONE THOUSAND SEVEN
00:17:03 3 THEY HAD BEEN ON THE ROAD
00:27:12 4 RIGHT INSIDE THE SHELL
00:29:14 5 HOLLY JOHNSON’S FIVE O’CLOCK
00:38:26 6 SIX-THIRTY ON REACHER’S WATCH
00:49:57 7 THE MATERIAL USED TO PACK
01:00:05 8 BY MIDNIGHT IN CHICAGO
01:07:41 9 REACHER LAY QUIETLY
01:15:02 10 FIVE-THIRTY TUESDAY MORNING
01:25:30 11 HOLLY JOHNSON HAD BEEN
01:33:23 12 HELL IS THIS
01:41:30 13 WE NEED TO TALK
01:47:16 14 THIS TIME, MCGRATH DID NOT
01:59:01 15 THE WHITE TRUCK DRONED ON
02:11:05 16 MCGRATH BROUGHT BROGAN WITH HIM
02:20:39 17 HOLLY WAS SITTING
02:46:47 18 SEVEN-TWENTY WEDNESDAY MORNING
02:54:11 19 REACHER BALLED HIS LOOSE CHAIN
03:04:18 20 BROGAN WAS THE GUY
03:18:59 21 THE WHITE ECONOLINE
03:29:15 22 THE ATMOSPHERE IN THE CHICAGO
03:44:20 23 NOBODY COULD SEE HOLLY
04:18:27 24 THE BUREAU LEAR REFUELED
04:32:12 25 THEY CAME FOR HIM
04:57:56 26 HIS NAME IS JACK REACHER
05:01:14 27 FOUR MEN WERE DRAGGING
05:29:14 28 HIS NAME IS JACKSON
05:34:35 29 SHE HEARD FOOTSTEPS
05:38:31 30 HARLAND WEBSTER GOT BACK
05:55:18 31 HOLLY PAUSED IN THE CORRIDOR
06:07:17 32 THE CROWD WAS SILENT
06:34:04 33 MILOSEVIC AND BROGAN
06:48:01 34 REACHER AND HOLLY SAT ALONE
06:58:38 35 I REFUSE TO BELIEVE IT
07:09:48 36 REACHER WOKE UP
07:42:01 37 FOUR-THIRTY IN THE MORNING
07:52:42 38 WE’RE GETTING NO REACTION
08:09:53 39 REACHER WAS HIDING OUT
08:19:53 40 MCGRATH SNATCHED THE RADIO
08:37:23 41 REACHER WATCHED THE WHOLE THIN
08:55:40 42 THE LEFT-HAND GUARD
09:10:00 43 FOR THE FIRST TIME
09:27:29 44 HOLLY WAS STANDING
09:49:42 45 THE CLASSIC MISTAKE
10:06:01 46 REACHER MADE A

Jack Reacher is an innocent bystander when he witnesses a woman kidnapped off a Chicago street in broad daylight. In the wrong place at the wrong time, he’s kidnapped with her. Chained together, locked in the back of a stifling van, and racing across America to an unknown destination for an unknown purpose, they’re at the mercy of a group of men demanding an impossible ransom. Because this mysterious woman is worth more than Reacher ever suspected. Now he has to save them both—from the inside out—or die trying…

It didn’t take long for the big four banks to lift variable interest rates following yesterday’s RBA hike.

But they weren’t so quick to pass on the increase to savings accounts.

The banks are now under pressure to give those customers a fair go.

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#InterestRates #7NEWS

FINALLY! Major banks across Australia have today cut variable rates by up to 0.50 percentage points! ANZ, led the charge by cutting their new customer variable rates by 0.50 percentage points today – but there’s a CATCH! In this very same month, existing customer home loan rates rose by half a per cent following the Reserve Bank Of Australia’s recent hikes. So, while ANZ are doubling down on their new and refinance customers, they are still quietly putting up their home loan rates across their network of lenders.

But, ANZ was not alone in cutting new customer variable rates as competition for mortgages continues. Here’s what you need to know:

✅ 9 lenders have cut variable rates in the last three months for new customers.
✅ ANZ cut rates by 0.5% on 30 June.
✅ Commonwealth Bank cut its lowest variable rate for new customers by 0.15% points on 30 June.
✅ Macquarie Bank cut variable rates by up to 0.25% points on 27 June.
✅ ING cut variable rates by up to 0.15% points on 22 July.
✅ ME Bank cut variable rates by up to 0.15% points on 20 July.

In addition, money markets have significantly wound back pricing on the expected peak Reserve Bank of Australia cash rate to 3 per cent, down from as much as 4.5 per cent tipped less than two months ago. The RBA board, which meets on Tuesday, will be closely watching the effect on consumer spending from falling house prices after retail spending slowed in June.

In this video, we’ll analyse ANZ’s decision to cut its variable interest rates and look to answer the following questions:

�� Why have ANZ lowered their variable interest rates?
�� What is going on at the banks?
�� What other market factors are affecting interest rates in 2022?
�� Why have Commonwealth Bank, ANZ, NAB and Wespac lift variable mortgage rates by half a percentage point?
�� Should you panic on your home loan’s variable rates?
�� Are rates going to do down in 2022?
➕ What can we expect from the RBA in the coming months?
�� Will the Reserve Bank of Australia lift the cash rate again in August?
�� How does inflation play a role in your interest rates?
�� Could inflation can turn negative in 2023
�� Why are the major banks predicting a rate decrease?
�� How to wipe out most of your mortgage repayment increases
�� Should you refinance your loan in 2022?
�� How have the major Australian banks responded?
�� Is the housing market set to crash?
�� Where will inflation be by the end of 2023?
�� Is NOW a good time to buy a home?
�� What’s better? A fixed or variable home loan.
�� Why Your Mortgage Could Be Costing You!
��️ Why you need to speak to a mortgage broker?
✅ When should you use a mortgage broker
�� What your mortgage broker can do for you?
�� How Are Households Placed for Interest Rate Increases
�� What can first home buyers do to get ahead of the market?
��️ What next for the Australian property market?
↕️ What does a 7% inflation rate mean?
�� What should property investors do in 2022?

If you want free expert advice on what the recent rate rises could mean for you, chat to one of our Home Loan Specialists at a time that suits you ➡️ https://hello.huntergalloway.com.au/meetings/jayden-vecchio

Here’s what we know:

00:00 Major Banks Cut Variable Rates by 0.50%?
00:15 ANZ cuts variable rates in July 2022
00:57 Commonwealth Bank, ANZ, NAB and Wespac Variable Rates?
01:20 Could fixed rates reduce in August? Experts say ‘YES!’
01:40 Housing markets lower RBA peak cash rate to 3%
02:20 Could inflation turn negative in 2023?
03:15 No cause for panic on variable rates!
03:55 Changes to Interest Rates in Aus Real Estate over time
04:30 You could be about to pay an extra $70K on your home loan!
05:12 Lending executives say to refinance before Christmas!

For more info, visit us here �� https://www.huntergalloway.com.au/mortgage-broker-brisbane/

Or book an appointment with Jayden �� https://hello.huntergalloway.com.au/meetings/jayden-vecchio
T: 1300 088 065
E: https://www.huntergalloway.com.au/contact/

#breakingnews #inflation #inflationaustralia #reservebank #reserve_bank #realestatemarket #mortgage #raterise #huntergalloway #property #propertyaustralia #news #advice #housingmarket #australianrealestate #realestate #homeloans #property #propertyaustralia #housingmarketcrash #australianrealestate #homeloans #australianrealestate #housingmarket #homeloans #QLD #SYD #NSW #VIC #MELB #PERTH #ADE #house #home #mortgagebroker #mortgageadvice #mortgagerates #johnadams #Goldasgold #australianrealestate #housingmarket #homeloans #realestate #property #realestatemarket #mortgage #raterise #reserve #huntergalloway #property #propertyaustralia #news #advice #housingmarket #australianrealestate #realestate #homeloans #housingmarketcrash #housing #rental #rentalproperty #rentals #rentcrisis #xrp #xrpnews #bitcoin #bitcoinnews #stockmarket #crypto #cruptocurrency #recession #recession2022 #michaelburry

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The ‘Big four’ banks have today all passed on Tuesday’s rate hike in full. Alan Kohler on that, and the Aussie dollar today. Subscribe: http://ab.co/1svxLVE Read more here: https://ab.co/3BFPqaL

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