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payday advance Latest figures from the Australian Bureau of Statistics shows retail turnover dipped 4.1 per cent on the previous month, with Victoria and NSW the states with the biggest decline.CommSec chief economist Craig James said the bigger picture was a lot more positive, with spending at the highest levels in the past 12 years, especially liquor retailing and at home entertainment.the entire 2020 year, Aussies spent a record $350 billion at retail businesses, Mr James said.biggest increase in spending was at liquor retailers (up 26.5 per cent) from recreational goods, like toys, games, entertainment, (up 24.8 per cent), and hardware retailing (up 20 per cent). Picture: NCA NewsWire / Dylan CokerSource:News Corp AustraliaDecember northern beaches coronavirus cluster caused a dip in retail trading nationally, as lockdown measures sparked a slump in spending over the Christmas and new year period.Despite the drop in monthly figures over the last quarter, retail turnover inched 2.5 per cent higher and was largely spurred on by the easing of coronavirus restrictions that supported spending across the economy.ABS director Ben James said the dip in the data was in part to a bumper level of consumption in November, which rose 7.1 per cent compared with October.( 6.8 per cent) led falls at the state and territory level following stronger trade in November as COVID 19 restrictions eased, Mr James said.( 4.9 per cent) also fell as the northern beaches cluster impacted spending in the lead up to Christmas. Picture: NCA NewsWire / Gaye GerardSource:News Corp AustraliaMr James noted the shift in spending had weakened some major sectors of the economy, such as hospitality and tourism operators, which throughout the pandemic had not been able to fully operate.meant fewer visits to cafes and restaurants spending was down 25.4 per cent, he said.spent less on clothes (down 8 per cent), shoes (down 9.5 per cent) and newspapers/books (down 12.2 per cent).payday advance

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payday loans Jeremy Sutton: Positive lessons from a tough 2020 amid Covid 19 coronavirus17 Jan, 2021 01:00 AM5 minutes to readThe pandemic has shown that working from home isn impossible. For many people, the end of the year will come as a relief. The new year is a chance to relax, reset and getready for a new (and hopefully better) year ahead.payday loans

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cash advance Then if you slap on a 25,000 bill, a very substantial number will be in negative equity.”If loan payments are capped at 50 per month with an interest rate of 1.5pc, it would take a resident 60 years to repay a lump sum of 24,000, according to LKP.’Similar to ahike in ground rent’Andrew Wishart, of Capital Economics, a research consultancy, said that the monthly loan payments could have a similar impact on the value of a property as “effectively a hike in ground rent”.Mr Wishart said: “An increase in ground rent or other lease costs, such as these loan repayments, of 50 per month (600 a year) for thirty years would reduce the value of the lease by over 8,000 on a flat with a long lease.”The amount would reduce over time as the number of outstanding repayments falls, Mr Wishart added.Only half of costs coveredBut leaseholders will face other costs too. The loan will not cover all of the cost of remediation works, only those associated with unsafe cladding.The average total fire safety defect remediation bill per property is 49,000, according to trade bodies the National Housing Federation and Association of Residential Managing Agents.Even with a Government loan, most residents will still only be halfway towards covering the necessary works to make their homes mortgageable and saleable.Mr Betts said: “The costs of other remediation works have just been brushed away.”Leaseholders in blocks below six storeys do not have access to the grant funding for cladding remediation because they face much smaller fire risks.The Government has said external wall safety assessments (EWS1s) are not necessary for buildings below 18m high, yetmany lenders on these properties still require them before they will grant a mortgage.Jeremy Leaf, a north London estate agent, said: “The law says you don’t need an EWS1 form below 18m. The reality on the ground is completely different.”Thismeans homeowners must meet the same standard of remediation works as those in higher rise blocks if they want to make their homes saleable but they do not have access to the same funding.Mr Peaker said that the 18m cut off for the grant funding “is completely arbitrary”.But it is in a development of two towers, and the second is below 18m, which cannot get funding cash advance..

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