That Net Site

RBA and Banks Interest Rates Gap

As per my post on the 4th of May the major banks are increasing the gap between the Reserve Bank of Australia (RBA) cash rate and the Interest rates they charge their customers.  Looking over the data from the year 2000 we can see how the rates gap has gone from a steady 180 percentage points (1.8%) difference to now a whopping 340 percentage points (3.4%) difference.  It is no wonder why the banks are continually making massive and quite obscene profits, especially as they continue to also charge excessive fees.

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Hi everyone, please be patient if I have not yet been able to respond to any of your comments, we have had some heavy storms through our location cutting us off with no power and other services.  Plus also local storm damage such as trees down over fences and needing to clean up before the next storm due tonight.

On top of that my health is an ongoing issue which more often that I would like makes it difficult to make the time to come online and answer requests for helps, especially in the SobiPro post.  I will get to your comments and questions, just be patient please or if you need more urgent help you may wish to ask for help on the SobiPro forums and take out a one month membership when you have all your questions ready to ask, then you can go through them all in that one month.

So again, sorry about my absence and the delays in responding but just note I do have them on my list of ‘when I can get to them’.  Thanks for your understanding.

The RBA rate drop vs what the banks are providing

The last few interest rate changes by the RBA since late 2011 and now in May 2012 has seen the banks move away from the RBA rate changes and go it alone and set their own rate changes, even to the point of lifting rates when there has been no rate change made by the RBA.

While the banks continually post multi Billion dollar profits they cry poor as costs to provide banking are now apparently higher now, even though we all seem to be paying larger amounts of fees to use their most basic services. (more…)

It would seem that I have a drought on making posts to my blog, not because of what I want to write about and if it is a more negative or positive discussion but more a case of being ill for much of the start of the year so that has resulted in fewer to no additional posts.  I have however read and replied to comments in existing posts when I have been able to.  If you have a topic you would like me to write about, then let me know and I will see what I can put together.  Keep happy everyone

Just a quick post to say welcome everyone to my site for 2012.  This year I hope to focus more on positive themes since I have had a couple of people provide comments to me that many of my posts are more tendered towards the negative rather than the positive.  Right or wrong I will endeavour to change that pattern and be more positive for most (if nor all) of my posts for 2012.  If you have a topic you would like me to write about then please drop me a line and I will certainly take a look at it if the subject matter is of interest to me.  Keep safe everyone and have a great 2012.

Before reading this article please note that it does deal with some real personal issues and does come across quite negative to start with, that is not the purpose of the article, its purpose is to allow me to be more aware of and be more open about my own health issues to help me better understand them. This is an accurate (as I can write it) account of how I feel most of the time. I would also like to acknowledge that there are others out there far worse off than me, however this is my story and my blog.

Dealing with an ongoing illness is not always easy, but it is something many like myself have to do and live with each and every day.  As a sufferer of a chronic pancreatic illness I know what it is like to have a good and a really bad day.  It is not just dealing with the daily pain and discomfort, but the way in which the illness can place limits on what you want to do that can really be a measure of how you feel and see things.  In addition to the pain there is often the feeling of uneasiness, floating and the shakes caused by always being ill and also the medication that is taken. (more…)

More and more web sites are using an open source solution that has been developed by 1 or many individuals in their own spare time for little to no money.  The open source community is massive, with many thousands of people contributing daily to further develop existing solutions as well as develop new ones.  Many of these open source solutions are provided freely, without cost of any kind and usually with only a simple request for a small donation if you find the solution is useful to your needs. This is what makes open source so great. (more…)

Just a quick message to wish everyone a very happy, healthy and safe 2011.  I hope all your goals set for 2010 were achieved or you have revisited them for placement in your goals for 2011.

So what are my goals for 2011? (more…)

Today Telstra has released a raft of new plans for bundling your broadband, telephone and even your TV.  You can also get a new Telstra T-Box and/or a T-hub which on looking at the plans are a welcome change for Telstra and Bigpond when it comes to value for service.  What is so great also is the increased quota that assists families to enjoy the ever growing rich Internet environment at full speed with 100 and 200GB plans as part of the bundles.

However… (more…)

For anyone that frequents my site and is wondering why the site has not been updated for a while, it is simply because my ongoing illness often stops me from doing a lot of things and there have been other things occupying my time.  However I want to keep this site up and running and will be trying to make more frequent posts as I can with posts being created over several days.