El-Rhi » user profile

Member Since 13/01/2020
Last Seen 14 hours 18 min
Location NSW

Recent Activities

For every young person that might withdraw $30k to help buy their property, there will be a boomer who is topping up their super by $30k
21/05/2022 - 15:10
4.5% is the minimum. Once you add the buffers, most are around 8%. You’re in trouble if it’s down to 4.5% which is why most banks...
21/05/2022 - 14:40
APRA sets the capital standards in Australia, which are mostly based on Basel 3 with some slight differences. All regulated banks in...
21/05/2022 - 14:29
Net interest margins have been smashed over the last few years… most have gone from around 2.1% a couple of years ago to around 1.7% now....
21/05/2022 - 14:08
I don’t know what you’re referring to, but banks need to hold a minimum level of capital and often have buffers on top of this. It’s...
21/05/2022 - 14:03
Zero capital reserve? 😂 Guessing you don’t work in banking https://www.apra.gov.au/capital-adequacy
21/05/2022 - 13:51
It’s an expensive life lesson for some
12/05/2022 - 11:37
I feel for those who have lost out on this, some have lost their life savings. If you go to Reddit and see some of the discussions,...
12/05/2022 - 11:31
There are rumours circulating about who was behind it… will be interesting when it all comes out
12/05/2022 - 09:09
I think there will one day be a movie or tv show made about the story of how a hedge fund exposed one of the biggest Ponzi schemes...
12/05/2022 - 08:20
UST going to zero by the looks
11/05/2022 - 17:33
Hope he had a stop loss set
11/05/2022 - 17:31
Ouch. How confident are you for a recovery?
11/05/2022 - 08:37
What are you buying at the moment?
10/05/2022 - 18:21
What needs to happen for UST to regain its peg? And how likely is it?
10/05/2022 - 14:19
What about LUNA? I bought speculatively at $30
10/05/2022 - 12:03
For those following, the UST peg has been broken which is causing LUNA to dump. This goes to show the risks associated with so called...
10/05/2022 - 11:57
There’s a lot of opportunistic price rises happening at the moment. Of course some are justified as input costs have increased. For Kayo,...
06/05/2022 - 10:58
While not ideal, this is the world we now live in with inflation running hot. There are things that you can do to bring the cost down, e.g....
06/05/2022 - 10:41
How are they like Xinja? Xinja didn’t have a lending product so they didn’t earn any income. Judo lends to SME
04/05/2022 - 12:56
As you say, if someone is paying $1.9m then the market has determined it’s worth $1.9m, not $1.4m
03/05/2022 - 16:09
Very true. What is their definition of graduate? Technically anyone who finished university is a graduate
01/05/2022 - 18:41
>Banks have a licence to issue unlimited debt How? Banks have minimum capital and liquidity requirements which constrain the amount they...
01/05/2022 - 09:21
What is your occupation? Some lenders go up to 90% LVR with no LMI for certain occupations
30/04/2022 - 15:58
Athena isn’t an open banking data recipient so they would be connecting via screen scraping providers, not open banking
25/04/2022 - 15:21
Are you sure the data is being shared via CDR? If not, then it’s not open banking it’s just screen scraping. Screen scraping...
25/04/2022 - 07:17
‘Sitewide’ sale where 95% of items are excluded from the sale…. Good work Puma
20/04/2022 - 09:27
So it’s a Ponzi?
18/04/2022 - 14:28
If rates go up, borrowing capacity goes down so prices should either stabilise or fall slightly (5-10%). I personally don’t think rates...
11/04/2022 - 17:41