How A Change In My Interest Rate Impact My Home Loan

The cash rate in Australia is the market interest rate on the overnight loans between different financial institutions. The Reserve Bank of Australia (RBA) monitors and alters this rate. They will either increase or decrease the cash rate by a measure of ‘basis points’ to manage inflation and economy.

Impact On Mortgages

The rate change is important for its effect on mortgages. The RBA’s cash rate has a strong link to the interest rates charged by the financial institutions on loans to its customers. Variable rate loans are particularly affected by this rate change. If the cash rate rises the interest rate charged by the banks will move in same direction and the same will happen in case of a rate cut. When you are taking a loan, it’s important to research different home loans and interest rates on Home Loan Comparison.

Are the banks in Australia obligated to change their interest rate in tandem with the changes the RBA makes? Not necessarily, but it is in their interest to follow the RBA cash rate change. If a bank does not pass on a rate cut to its variable rate loan customers, they are likely to lose the customers as also dent their image.

How Are Home Loan Borrowers Affected By A Rate Change? 

If you have a home loan with a variable interest rate, you are tracking the changes in interest rate charged to you as your monthly payment changes. The rate change is not linear meaning it can go up or down. That will either increase or reduce your monthly payments. In case of a rate cut you may feel happy that you will be saving on your monthly payments. But don’t forget that your superannuation and savings account interest rates may see a reduction too; so it works both ways.

Points to Consider

Global financial crisis has increased the cost of borrowing for banks. They absorb the rise in interest rates up to a point where their profitability is not adversely impacted. Similarly, they may not hasten to pass on the rate cut to customers. So they may at times ignore the RBA rate changes.  

Rate changes is a complex issue. Instead of relying rely on the rate change impact on your home loan, it will benefit you to be regular in your monthly payments and watchful by shopping around for a better interest rate on Home Loan Comparison. Alternatively, consider switching to a fixed rate loan to stabilise your monthly payments for rest of the life of your home loan.

If you want to know more, don’t hesitate to contact Home Loan Comparison at this number: 0419 856 669.

Making Your Travel Convenient with Halifax Airport Taxi Service

Surrounded by splendid landscapes and the vast Atlantic Ocean, Halifax attracts travellers from all over the globe. The fusion of historic and modern architecture of the province makes it a coveted Canadian destination. Moreover, the city has also become a commercial hub, thus bringing a number of business travellers every year.

Now, as a traveller, you may be wondering how to commute to your hotel as soon as you land in Halifax. Don’t worry. You can go for Halifax Airport Taxi service. We will drop you at your destination without any hassle. You can also opt for a limousine, and travel in style.

How does Halifax Airport Taxi service work?

The primary aim of Halifax Airport Taxi service is to make the procedure convenient for travellers. You can call a taxi either by placing a call or visiting our website. If you are someone who likes to keep everything planned, our airport taxi service would be best for you.

You simply have to provide your name, phone number, email address, pick-up and drop address, pick-up date, the number of passengers and bags, and your flight number for booking a taxi. You have the option to book a taxi well in advance as well. If you are an on-the-go traveller, you can book a taxi via your smartphone, anytime. We are available 24/7.

How reliable is  Halifax Airport Taxi service

If a convenient transportation option is what you are looking for, then Halifax Airport Taxi service would be ideal for you. After you place a request for a cab, the information is communicated to drivers. You can be sure to see your taxi waiting for you at the airport as soon as you walk out of the airport.

The best part about using Halifax Airport Taxi service is that we are very professional. We ensure that travellers get a hassle-free experience while commuting to/from the airport. We hire only professional drivers who know the routes of the city very well. So, you don’t have worry about getting lost in an unknown city.

Moreover, our drivers are nationally certified, well-behaved, and educated, thus ensuring your safety and comfort. They are friendly, and they will help you in any way they can.

Halifax Airport Taxi service can make your commute unbelievably reasonable, time-saving, and convenient. You are sure to have a comfortable and hassle-free trip as you traverse across Nova Scotia.

Can synthetic ice be skated on both sides?

Can synthetic ice be skated on both sides? The short answer is yes. I have only come across one product that couldn’t be skated on both sides and that was because it’s a molded thermoplastic material that has only one smooth side surface (that one is a bit of a “lone wolf”).

The better question and one that I discuss with potential clients is why would you ever want to turn it over? Let’s consider this question.

Most products get more efficient (less resistance) the more they are skated on. That sweat equity carves up that nice shiny surface with the sharp skate blades over and over. The more it gets carved up the better the glide because the skate blade has less contact with the smooth new surface. This is where the discussion gets tricky. There is no question about it, some materials wear out faster than others. If you are doing your research and a supplier talks about needing to turn the product over in a few years’ times then you have to be wary of that. We simply tell people straight out – yes you could turn it over (and start over) but you will never need to. Our best materials simply will never wear out. That starts a really good conversation then about different materials used in making synthetic ice.

I have definitely come across materials that needed to be turned over after a few years. That’s pretty surprising considering what most material costs. The owner was certainly not happy about that – but you get what you pay for and he was never informed or knew enough at the time to ask the right questions.

In my view knowing what I know, the only time I would ever recommend for someone to turn one of our panels over would simply be to make the surface look nice and shiny new again and it became so dirty that cleaning became impossible.

It’s always best to ask a potential supplier questions about the material and ask them if they will warranty it for a lifetime! We will if we know how it’s going to be used and we will put that in writing for you.

Getting The Best Price For Your Home

Gone are the days when a great open house at a well-staged home combined with a good pitch were enough to sell a home. You need to take a tactical approach to selling your home so that you get the very best rate possible for it from someone who is set to buy a house in Halifax. Here are some useful tips on what you need to do to get to that number your heart is set on.

Show off your best side

Every home has its best side. Rhonda Kennedy gets that, which is why she has used high quality photography to great effect.

Get social!

Today, to compete with the best, it is important that your property is getting optimal exposure on social media and online channels too. Its as much about the marketing of your property and connecting with buyers as it was before, it is just that much of the process has moved online. If that seems like a tough ask, you can relax, because that’s something a quality realtor will take care of for you as part of his service.

Do your homework

Find out what the going rate is for other homes of similar vintage and design in your area. Work in consultation with your Halifax realtor to work out the right price for your piece of real estate.

Make a great impression

First impressions count. Since photographs of your home will be the first step towards getting your Halifax real estate listed, be sure you get it right. Clean up, de-clutter and move out any odds and ends before you get your home shot.

Get found.

All the work on staging your home perfectly will come to naught if no one can find you. Be sure that you property gets onto MLS listings for Halifax. Your realtor can help by including your property in the regular newsletter or emails on hot new properties they send to their buyer base. Quality realtors take it a notch up by listing all properties on a state-of-the-art platform with an Online Home Finder tool. Buyers simply search and sort property listings as per their preferences, making it increase the likelihood that someone who wants to buy a house in Halifax matching the description of yours, will actually find it. And when a buyer finds a home that meets all their requirements it is far more likely that they will be willing to pay more for it and meet your price.
Halifax Condos for sale
Leave it to the pros

Clinching the deal for you takes the skill of a good realtor. Once you have helped work out the basics including a price that you are happy with, leave the rest to Rhonda Kennedy. Her decades of experience, close association with the neighbourhoods of Greater Halifax and expertise in real estate make her the perfect person for the job.

Five Facts You Need to Know about Human Growth Hormone

Human growth hormones can rewind your body’s internal clock and help you cut down body’s internal fat, build up muscles rapidly, and increase your libido; doing all this by taking energy levels to sky-high. Here are some of the common facts that can help you understand all that you need to know about the human growth hormone.

1. What is human growth hormone?
Your body produces the human growth hormone naturally in the pituitary glands. The hormone, as is evident from its name itself, helps in increasing the density of your bones and mass of body muscles, while helping in cell regeneration and growth. HGH also is helpful for maintenance of all the tissues inside the body, including all the vital organs and the brain.
2. How much HGH can be produced naturally?
In a healthy adult man, every milliliter of circulating blood has less than five nanograms of human growth hormones in it. On the other hand, in the case of a health adult woman, it is twice the quantity for the purpose of child bearing functionality within her body.
3. How can you find out whether you have a deficiency of human growth hormone?
You can ask your physician to conduct a Growth Hormone Test to find out whether your body has a deficiency of the hormone or not. Before conducting the test, you need to fast just the way you do for your annual check-up. In case your body does not produce enough of the hormone, HGH can also be obtained in prescription drugs.
4. Can high doses of growth hormones be dangerous for your body? Do they enlarge your bones and other vital organs?
Many medical professionals have come out with a revelation that the dangers that are associated with growth hormones are often blown out of proportion. There are minimal complications that can be associated with the use of growth hormones. Some people may experience retention of fluids and a rise in their blood sugar level but such cases are extremely rare unless you intake a lot.
5. Association of growth hormones with aging
It is an established fact that growth hormones are highly beneficial for all those kids who have a deficiency. HGH also benefit adults with undetectable or abnormally low natural growth hormone levels. However, the impact of growth hormone on the normal aging adults is a continuous subject of scrutiny by the scientists. It is mostly due to the fact that it has been observed that animals who have a deficiency in growth hormones usually have a long life span while compared to other normal animals. On the other hand, all such animals who have undergone genetic modification for producing extra quantities of growth hormones have shorter life spans.

Best Shoutcast Streams

Shoutcast is one of the most popular internet radio broadcast companies. According to Shoutcast, more than 50,000 internet radio stations are using its service to stream content across genres like sports, community radio, music and more. To cater to the growing demand, many stream hosts have sprung up, including some Canadian Shoutcast hosting companies.

So how is an amateur online radio stream operator to determine which stream host is good for him? Here are ten best Shoutcast streams for you.

StreamGuys– offers professional media streaming and multiple server support. You also receive 24/7 customer support.

Stream101– is one of the oldest Shoutcast stream hosts. It has been providing the service since eight years. The company is dedicated tooffering high quality media streaming for those seeking dependable and professional services.

WaveStreaming– recently came out with a cutting edge web broadcasting platform called They have also developed a special Shoutcast radio player to embed on websites and it is completely free.

VosCast– claims to be the first stream host to provide unlimited bandwidth for Shoutcast hosting. Moreover, there are no limits on the number of listeners you can take on. Hosting plans start from just $6.95.– offers a number of features for an aspiring web broadcaster. The company has a number of ShoutCast and Icecast hosting plans. It also offers a free AutoDJ, 99.9 percent up-time and many other facilities.

MixStream– promises to provide a hassle-free Shoutcast and Icecast hosting service. You will also receive access to a number of free streaming tools. All clients receive instant set up and there are no hidden costs. AutoDJ service is also available, for those who want to keep their radio stations streaming 24/7, 356 days a year.

ShoutCheap– promises to get your radio station online in as little as 5 minutes. All Shoutcast streaming plans come with 24/7 customer support. There are about 12 advantages of using ShoutCheap’s streaming plans.

ServerRoom– is offering a free trial on its Shoutcast streaming service. The company is also providing customized Shoutcast streaming setups. If you opt for this service, you will also receive a free mobile radio streaming app (similar to Tune In Radio), customized with your background image and logo.

ViaStreaming– is offering instant activation, free setup, unlimited traffic and flexible billing options. All Shoutcast stream host clients are also eligible for free customer service. The server also supports aacPlus and mp3PRO files.

Museter– claims that it offers unlimited radio hosting (it probably refers to an unlimited traffic plan with limits on number of users and bitrate). is also offering freebies like free customer support, free AutoDJ and more. Plans begin from $6.95 per month.

There are a number of Canadian Shoutcast hosting companies to select from as well. Before choosing one, analyze your requirements and check the facilities the service is offering and only then decide.