Interest rates

Why are long term rates being adjusted

Gerald Patrick Mullaney Jnr

5 July 2027

There are a few asumption as to why rates have been adjusted down.

1. Only short term rates are being required from the one to two year rates as these are the cheapest but risks are high as the rates being adjusted up all of a sudden.

2. The four and five rates are being adjusted down marginally to has to encourage borrowers to fix long term.

3. The banks are excepting lower margins for the time being.

4. It could also be a sign that rates go lower, however the four and five year swaps rates do not indicate lower rates therefore the banks are accepting lower margins for possible a short time.

5. One does need to remind on self of risk management, how will one deal with risk? how will one deal with instability? How will one deal with un certainity? What price does one put on stability?

6. Cheap is not always cheap.

Currently as at today rate five years is 5.49% that is a great rate when one considers the average long term rate of 7%

Stability in an uncertain world is worth thinking about.

1000 times 1000

Why there are not going to be new stores

Why technology is the game changer

Gerald Mullaney

26 June 2026

People say we need more super markets more shops more competition in the banking arena.

Competition is coming but not in the form one would think.

However the business minds are finally being enabled to run a store that does not have the huge overheads before they open the store.

Gone are a lot of pre opening costs such as rates, insurance, building rent, opex, repair fund, wages and on it goes.

People who have become unemployed at the old era job, old era thinking.

Times are changing at a fast pace and the smarts are marshalling their resource and ideas.

Look no further than one's 36m2 garage that has house the two old era cars.

36m2 of pure retail space or storage command distribution centre that delivers.

Then of course their is the drop shipping were by the smarts may become an agent for a 1000 items and have to producer ship it while they claim 20 - 35% margin what a smart way to leverage the whole distribution system this requires less capital and more smarts.

The new era coming has many exciting opportunities as listed below.

1. Build an online business dispatch products daily by contract courier.

2. Build an online business that only drop ships thus reducing capital expenditure not premises, not stock held, all costs absorbed by the producer the producer glady pays 20 -35% fee for the pleasure of selling its products.

3. Become the consumers shopper this option takes valuable time however 20 consumers a week at 50.00 equals 1000.00 week might suit someone who has free time while the kids are at school more older people cannot get to the store anymore and this consumer is growing

4. 
   

therefore what is coming is that instead of going to one store for say groceries you may purchase from 1000 online offerings each online business will offer only 20/30 items might be as low as 5/10 items it may be run from the kitchen or lounge.

1. Legislation is in the progress of making using the word bank this is going to create 1000 new banks in the short future each bank will specialise in certain products might specialise in 1 or two products but will be deeply focused on a specific need to service.

Therefore we welcome the new era of 1000 times 1000.