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	<title>Chris Lang at His Best &#187; Chris Lang at His Best | Using Debt</title>
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	<link>http://his-best.biz</link>
	<description>How to Profit from Commercial Property</description>
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		<title>Is There a Credit Squeeze Looming?</title>
		<link>http://his-best.biz/is-there-a-credit-squeeze-looming/</link>
		<comments>http://his-best.biz/is-there-a-credit-squeeze-looming/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 22:00:05 +0000</pubDate>
		<dc:creator>Chris Lang</dc:creator>
				<category><![CDATA[Economic Issues]]></category>
		<category><![CDATA[Global Scene]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Investment Opportunity]]></category>
		<category><![CDATA[Market Sectors]]></category>
		<category><![CDATA[Offices]]></category>
		<category><![CDATA[Opportunities]]></category>
		<category><![CDATA[Property Cycles]]></category>
		<category><![CDATA[Stability]]></category>
		<category><![CDATA[Using Debt]]></category>
		<category><![CDATA[australian economy]]></category>
		<category><![CDATA[chris lang]]></category>
		<category><![CDATA[commercial property]]></category>
		<category><![CDATA[commercial property investment]]></category>
		<category><![CDATA[commercial property markets]]></category>
		<category><![CDATA[commercial property real estate]]></category>
		<category><![CDATA[commercial real estate investment]]></category>
		<category><![CDATA[global financial crisis]]></category>
		<category><![CDATA[investing in commercial property]]></category>
		<category><![CDATA[investing in commercial real estate]]></category>
		<category><![CDATA[property commercial]]></category>
		<category><![CDATA[stimulus]]></category>

		<guid isPermaLink="false">http://his-best.biz/?p=7848</guid>
		<description><![CDATA[The banks seemed to be protesting about the increased cost of offshore borrowing. And using that as their excuse for not wanting to pass on any future RBA rate reductions in full.

But are they really telling you the whole truth?]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Do Banks Use a Formula When Lending on Commercial Property?</title>
		<link>http://his-best.biz/do-banks-use-a-formula-when-lending-on-commercial-property/</link>
		<comments>http://his-best.biz/do-banks-use-a-formula-when-lending-on-commercial-property/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 21:00:35 +0000</pubDate>
		<dc:creator>Chris Lang</dc:creator>
				<category><![CDATA[Economic Issues]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Key Consultants]]></category>
		<category><![CDATA[Using Debt]]></category>
		<category><![CDATA[X ~ Factors]]></category>
		<category><![CDATA[chris lang]]></category>
		<category><![CDATA[commercial property investment]]></category>
		<category><![CDATA[commercial property markets]]></category>
		<category><![CDATA[commercial property real estate]]></category>
		<category><![CDATA[commercial real estate investment]]></category>
		<category><![CDATA[comparable sales]]></category>
		<category><![CDATA[financiers]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[insurance repairs]]></category>
		<category><![CDATA[investing in commercial property]]></category>
		<category><![CDATA[investing in commercial real estate]]></category>
		<category><![CDATA[melbourne]]></category>
		<category><![CDATA[operating income]]></category>
		<category><![CDATA[property commercial]]></category>
		<category><![CDATA[property loan]]></category>
		<category><![CDATA[Property Management]]></category>
		<category><![CDATA[risk factors]]></category>
		<category><![CDATA[vacancy]]></category>
		<category><![CDATA[value ratio]]></category>

		<guid isPermaLink="false">http://his-best.biz/?p=7381</guid>
		<description><![CDATA[BANKS have a variety of ways of analysing a Commercial property; but there are a few guidelines they all tend to use.

For them, the most important number is the property's Net Operating Income -- which is basically rental minus expenses. As simple as that may seem, the calculation can vary dramatically from lender to lender.]]></description>
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		<slash:comments>1</slash:comments>
	<media:content url="http://his-best.biz/assets/2011/12/Money-bag.jpg" width="300" height="300" medium="image" type="image/jpeg" />	</item>
		<item>
		<title>The 9 Benefits You Can Gain ... From Investing in Commercial Property</title>
		<link>http://his-best.biz/8-benefits-from-commercial-property/</link>
		<comments>http://his-best.biz/8-benefits-from-commercial-property/#comments</comments>
		<pubDate>Wed, 26 Oct 2011 19:52:22 +0000</pubDate>
		<dc:creator>Chris Lang</dc:creator>
				<category><![CDATA[Economic Issues]]></category>
		<category><![CDATA[Industrial Sector]]></category>
		<category><![CDATA[Market Sectors]]></category>
		<category><![CDATA[Offices]]></category>
		<category><![CDATA[Residential vs Commercial]]></category>
		<category><![CDATA[Retail Sector]]></category>
		<category><![CDATA[Stability]]></category>
		<category><![CDATA[Using Debt]]></category>
		<category><![CDATA[air conditioning]]></category>
		<category><![CDATA[chris lang]]></category>
		<category><![CDATA[commercial property investment]]></category>
		<category><![CDATA[commercial property leases]]></category>
		<category><![CDATA[Depreciation]]></category>
		<category><![CDATA[generous tax benefits]]></category>
		<category><![CDATA[hedging against inflation]]></category>
		<category><![CDATA[industrial_property]]></category>
		<category><![CDATA[office buildings]]></category>
		<category><![CDATA[residential property]]></category>
		<category><![CDATA[retail property]]></category>
		<category><![CDATA[supply and demand]]></category>

		<guid isPermaLink="false">http://his-best.biz/?p=6936</guid>
		<description><![CDATA[One of the main attractions of investing in Commercial Property is its security.

Unlike residential property ... Commercial Property is generally still there for you, if the economy does slow down.

However, when the economy is strong, Commercial Property grows in value and provides you with a steady income.]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Why All The Panic?</title>
		<link>http://his-best.biz/why-all-the-panic/</link>
		<comments>http://his-best.biz/why-all-the-panic/#comments</comments>
		<pubDate>Tue, 16 Aug 2011 02:58:48 +0000</pubDate>
		<dc:creator>Chris Lang</dc:creator>
				<category><![CDATA[Economic Issues]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Global Scene]]></category>
		<category><![CDATA[Industrial Sector]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Investment Objectives]]></category>
		<category><![CDATA[Investment Opportunity]]></category>
		<category><![CDATA[Market Sectors]]></category>
		<category><![CDATA[Offices]]></category>
		<category><![CDATA[Opportunities]]></category>
		<category><![CDATA[Residential vs Commercial]]></category>
		<category><![CDATA[Retail Sector]]></category>
		<category><![CDATA[Stability]]></category>
		<category><![CDATA[Using Debt]]></category>
		<category><![CDATA[chris lang]]></category>
		<category><![CDATA[commercial property investment]]></category>
		<category><![CDATA[fiscal and monetary policy]]></category>
		<category><![CDATA[fiscal stimulus]]></category>
		<category><![CDATA[inflationary pressures]]></category>
		<category><![CDATA[mortgage problem]]></category>
		<category><![CDATA[new homes]]></category>
		<category><![CDATA[northern hemisphere]]></category>
		<category><![CDATA[northern neighbours]]></category>
		<category><![CDATA[oversupply]]></category>
		<category><![CDATA[private debt]]></category>
		<category><![CDATA[public debt]]></category>
		<category><![CDATA[rba]]></category>
		<category><![CDATA[sovereign debt]]></category>
		<category><![CDATA[sub prime mortgage]]></category>
		<category><![CDATA[upheaval]]></category>

		<guid isPermaLink="false">http://his-best.biz/?p=5849</guid>
		<description><![CDATA[Well, not here in Australia anyway! And even overseas, things are vastly different this time around.

In 2008/09, it was private debt causing the problems ... because nobody was too sure which banks were overly exposed to the sub-prime mortgage problem.]]></description>
		<wfw:commentRss>http://his-best.biz/why-all-the-panic/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	<media:content url="http://his-best.biz/assets/2011/08/Looking-forward.png" width="267" height="178" medium="image" type="image/png" />	</item>
		<item>
		<title>September Growth Figures Just a Pothole in the Road</title>
		<link>http://his-best.biz/september-growth-figures-just-a-pothole-in-the-road/</link>
		<comments>http://his-best.biz/september-growth-figures-just-a-pothole-in-the-road/#comments</comments>
		<pubDate>Tue, 07 Dec 2010 21:33:22 +0000</pubDate>
		<dc:creator>Chris Lang</dc:creator>
				<category><![CDATA[Investment Opportunity]]></category>
		<category><![CDATA[Offices]]></category>
		<category><![CDATA[Property Cycles]]></category>
		<category><![CDATA[Using Debt]]></category>
		<category><![CDATA[Your Exposure]]></category>
		<category><![CDATA[australian economy]]></category>
		<category><![CDATA[chris lang]]></category>
		<category><![CDATA[disposable income]]></category>
		<category><![CDATA[gfc]]></category>
		<category><![CDATA[global crisis]]></category>
		<category><![CDATA[hesitancy]]></category>
		<category><![CDATA[household savings rate]]></category>
		<category><![CDATA[inflationary pressures]]></category>
		<category><![CDATA[investment boom]]></category>
		<category><![CDATA[national accounts]]></category>
		<category><![CDATA[overwhelming consensus]]></category>
		<category><![CDATA[rba]]></category>
		<category><![CDATA[state elections]]></category>
		<category><![CDATA[victorians]]></category>
		<category><![CDATA[wages]]></category>

		<guid isPermaLink="false">http://his-best.biz/?p=3803</guid>
		<description><![CDATA[Relax, it hasn&#039;t all come to an end. Sure, the Australian economy may have grown by only 0.2% in the September quarter. And retail sales might have actually fallen by 1.1% for October. However, the overwhelming consensus is that this is merely an aberration. And the underlying growth projections remain very favourable &#8212; with the [...]]]></description>
		<wfw:commentRss>http://his-best.biz/september-growth-figures-just-a-pothole-in-the-road/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
	<media:content url="http://his-best.biz/assets/2010/12/Growth.jpg" width="150" height="173" medium="image" type="image/jpeg" />	</item>
		<item>
		<title>Why November?</title>
		<link>http://his-best.biz/why-november/</link>
		<comments>http://his-best.biz/why-november/#comments</comments>
		<pubDate>Fri, 05 Nov 2010 03:09:55 +0000</pubDate>
		<dc:creator>Chris Lang</dc:creator>
				<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Investment Opportunity]]></category>
		<category><![CDATA[Offices]]></category>
		<category><![CDATA[Property Cycles]]></category>
		<category><![CDATA[Retail Sector]]></category>
		<category><![CDATA[Using Debt]]></category>
		<category><![CDATA[boom]]></category>
		<category><![CDATA[chris lang]]></category>
		<category><![CDATA[commercial mortgage rates]]></category>
		<category><![CDATA[commercial property investors]]></category>
		<category><![CDATA[consumer spending]]></category>
		<category><![CDATA[cpi]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[rba]]></category>
		<category><![CDATA[retail property]]></category>
		<category><![CDATA[target range]]></category>
		<category><![CDATA[upward bias]]></category>
		<category><![CDATA[wages]]></category>

		<guid isPermaLink="false">http://his-best.biz/?p=3705</guid>
		<description><![CDATA[Most people seemed taken by surprise, when the RBA chose to raise the cash rate to 4.75% on Cup Day this week. However, with Oaks Day being held yesterday, I thought today would be better timing for this post. Sure, the September quarter CPI had fallen to within the RBA&#039;s target range. And yes, there [...]]]></description>
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		<slash:comments>2</slash:comments>
	<media:content url="http://his-best.biz/assets/2010/11/PricePressures-253x300.png" width="253" height="300" medium="image" type="image/png" />	</item>
		<item>
		<title>Where in the Debt Cycle?</title>
		<link>http://his-best.biz/debt-cycle/</link>
		<comments>http://his-best.biz/debt-cycle/#comments</comments>
		<pubDate>Wed, 20 Oct 2010 03:19:59 +0000</pubDate>
		<dc:creator>Chris Lang</dc:creator>
				<category><![CDATA[Economic Issues]]></category>
		<category><![CDATA[Global Scene]]></category>
		<category><![CDATA[Using Debt]]></category>
		<category><![CDATA[chris lang]]></category>
		<category><![CDATA[worm]]></category>

		<guid isPermaLink="false">http://his-best.biz/?p=3652</guid>
		<description><![CDATA[In several recent postings, I have given you an overview of where Australia&#039;s economy currently sits within the overall global scene. Well the other day, I came across this really neat chart ... as part of an article within the Financial Review. You have probably been shown a copy of the &#034;Investment Clock&#034; at some [...]]]></description>
		<wfw:commentRss>http://his-best.biz/debt-cycle/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<media:content url="http://his-best.biz/assets/2010/10/WormTurns-300x235.png" width="300" height="235" medium="image" type="image/png" />	</item>
		<item>
		<title>Global Progress?</title>
		<link>http://his-best.biz/global-progress/</link>
		<comments>http://his-best.biz/global-progress/#comments</comments>
		<pubDate>Tue, 12 Oct 2010 22:38:22 +0000</pubDate>
		<dc:creator>Chris Lang</dc:creator>
				<category><![CDATA[Economic Issues]]></category>
		<category><![CDATA[Global Scene]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Using Debt]]></category>
		<category><![CDATA[Your Exposure]]></category>
		<category><![CDATA[business investment]]></category>
		<category><![CDATA[china]]></category>
		<category><![CDATA[chris lang]]></category>
		<category><![CDATA[commercial property investment]]></category>
		<category><![CDATA[global progress]]></category>
		<category><![CDATA[government debt]]></category>
		<category><![CDATA[households]]></category>
		<category><![CDATA[imf]]></category>
		<category><![CDATA[inventories]]></category>
		<category><![CDATA[rba]]></category>
		<category><![CDATA[tax revenues]]></category>
		<category><![CDATA[us housing market]]></category>

		<guid isPermaLink="false">http://his-best.biz/?p=3629</guid>
		<description><![CDATA[The IMF has recently trimmed its overall global forecast &#8212; down to 4.2% from 4.3%, for 2011. The emerging and developing economies are tipped to grow by 6.4% (with China&#039;s growth being over 9%). Whereas, the various advanced economies are expected to grow by a subdued 2.2%, on average. However, any double-dip recession is considered [...]]]></description>
		<wfw:commentRss>http://his-best.biz/global-progress/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	<media:content url="http://his-best.biz/assets/2010/10/GlobalGrowth-300x99.png" width="300" height="99" medium="image" type="image/png" />	</item>
		<item>
		<title>When Should You Fix Your Interest Rate?</title>
		<link>http://his-best.biz/fix-your-interest-rate/</link>
		<comments>http://his-best.biz/fix-your-interest-rate/#comments</comments>
		<pubDate>Fri, 17 Sep 2010 02:21:35 +0000</pubDate>
		<dc:creator>Chris Lang</dc:creator>
				<category><![CDATA[Economic Issues]]></category>
		<category><![CDATA[Global Scene]]></category>
		<category><![CDATA[Investment Opportunity]]></category>
		<category><![CDATA[Property Cycles]]></category>
		<category><![CDATA[Using Debt]]></category>
		<category><![CDATA[Your Exposure]]></category>
		<category><![CDATA[chris lang]]></category>
		<category><![CDATA[commercial property investment]]></category>
		<category><![CDATA[commercial property markets]]></category>
		<category><![CDATA[global financial crisis]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[rba]]></category>
		<category><![CDATA[rising interest rates]]></category>
		<category><![CDATA[stimulus]]></category>
		<category><![CDATA[strategic advantage]]></category>

		<guid isPermaLink="false">http://his-best.biz/?p=3575</guid>
		<description><![CDATA[On Wednesday, I put up this post about whether or not to fix your interest rate, when purchasing a Commercial property. Only to find there was a problem with streaming of the Video. Hopefully, that&#039;s now been resolved; and so let&#039;s try Take 2. The simple answer to the question of timing is ... when [...]]]></description>
		<wfw:commentRss>http://his-best.biz/fix-your-interest-rate/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Some Gloom ... Yet More Glee!</title>
		<link>http://his-best.biz/sglee/</link>
		<comments>http://his-best.biz/sglee/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 00:35:37 +0000</pubDate>
		<dc:creator>Chris Lang</dc:creator>
				<category><![CDATA[Economic Issues]]></category>
		<category><![CDATA[Global Scene]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Investment Opportunity]]></category>
		<category><![CDATA[Offices]]></category>
		<category><![CDATA[Property Cycles]]></category>
		<category><![CDATA[Using Debt]]></category>
		<category><![CDATA[Your Exposure]]></category>
		<category><![CDATA[australian capital cities]]></category>
		<category><![CDATA[commercial investment property]]></category>
		<category><![CDATA[government funding]]></category>
		<category><![CDATA[imf]]></category>
		<category><![CDATA[office towers]]></category>
		<category><![CDATA[perfect time]]></category>
		<category><![CDATA[price bracket]]></category>
		<category><![CDATA[private banks]]></category>
		<category><![CDATA[private buyer]]></category>
		<category><![CDATA[property trusts]]></category>
		<category><![CDATA[ripple effect]]></category>
		<category><![CDATA[stimulus]]></category>
		<category><![CDATA[us federal reserve]]></category>

		<guid isPermaLink="false">http://his-best.biz/?p=3147</guid>
		<description><![CDATA[The US Federal Reserve is concerned that consumption is still being underpinned by government funding. And so, even though stimulus measures may be winding down ... the Fed has decided to maintain interest rates at their historically low level. It seems that households and businesses are preferring to repay debt, rather than spend to encourage [...]]]></description>
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		<slash:comments>1</slash:comments>
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