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A housing affordability crisis has been gaining momentum in Australia over the last several decades as the number of people outright owning a home has collapsed by a third as home prices soared 400%.



The Age, a daily newspaper in Melbourne and Victoria, Australia, reports that in the mid-1990s, nearly 44% of people living in New South Wales (NWS), a southeastern Australian state, outright owned their home, but according to new data published by the Australian Bureau of Statistics, this rate has now plummeted to just 29.7%.



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So what happened over the last twenty years? Why have Australians resorted to hefty mortgages instead of buying homes in cash?



Well, the swing from outright ownership to financing has primarily been due to a 460% jump in the median house price in Sydney, approaching levels that are considered out of reach for many.





The Age reveals a similar crisis in Victoria, wherein the mid-1990s, more than 45% outright owned a home, but now that number has declined to just 31%.





Over the same period, the median house price in Melbourne has skyrocketed from $126,131 to $806,000, forcing homebuyers in the last decade to resort to mortgages more than ever.



The Northern Territory has the smallest population of people who own their home mortgage-free, at just 17%. Among the states, just 27% of residents in Queensland and Western Australia live without a mortgage or rental payments.



Despite a housing bubble that has shown cracks, the median outstanding mortgage in Western Australia is $315,000. The median mortgage in Victoria is $260,000 while it is $265,000 in NSW.



The single largest age group of new mortgages were those aged between 55 and 64, suggesting as the housing market falters - older adults will experience the most financial pain.




"There are more and more people who are getting into retirement with a mortgage over their heads," said National Seniors chief advocate Ian Henschke.



"The number of people on Newstart aged between 55 and 64 is increasing sharply. These are people having to access their super to try and get on top of their mortgage because they don't want to retire with such large debts."




The affordability crisis has crushed low-income households. In the mid-1990s, the poorest of NSW resident spent 21% of their weekly income on housing; now they spend more than a third.



The low-income segment in Victoria is paying 25% of their income on rents or mortgages.



NAB senior economist Kieran Davies, in a recent note, warned that the newly created mortgage debt over the last several decades is mostly carried by older people.




"Gearing has increased sharply among older Australians, broadly reflecting the changing pattern of homeownership," he said.




Earlier this week, the Reserve Bank of Australia said interest rate cuts were going to have little effect in boosting house prices.




"A decline in interest rates was unlikely to encourage an unwelcome material pick-up in borrowing by households that would add to medium-term risks in the economy," it said.




With Australians saddled up with the most debt ever - many are soon going to discover that an era of cheap money will be the financial death of them as the housing market implodes.

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L rats were treated with 2.5, 5 and 10mg/kg of TT extract orally for 8 weeks, for chronic study. In addition, castrated rats were treated either with testosterone cypionate (10mg/kg, subcutaneously; biweekly for 8 weeks) or TT orally (5mg/kg daily for 8 weeks). Blood samples were analyzed for testosterone (T), dihydrotestosterone (DHT) and dehydroepiandrosterone sulphateFig. 5 IIEF Score Pre and P
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Mparison of T. circumcincta rESTs with C. elegans, other parasitic nematodes and organisms other than nematodes, from SimiTri analysis. The numbers at each vertex indicate rESTs matching that specific database.transmembrane signaling in response to humoral factors and cell survival or programmed cell death. Other protein kinases provide signals that regulate metazoan-specific transcription factors
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Ommon to prokaryotic cell cycle proteins, sugar kinases, actin, and hsp70 heat shock proteins. Proc. Natl. Acad. Sci. USA 89:7290?294. 18a.Brennan, P. J., and H. Nikaido. 1995. The envelope of mycobacteria. Annu. Rev. Biochem. 64:29?3. 19. Brooks, B. W., R. G. E. Murray, J. L. Johnson, E. Stackebrandt, C. R. Woese, and G. E. Fox. 1980. Red-pigmented micrococci: a basis for taxonomy. Int. J. Syst.
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Cat or domestic cat (scientific identify: Felis catus) is a mammal in the Felidae household. The family originated from the Siberian tiger (Felis tigris altaica).
Categorized as a team of carnivores There are sharp enamel and sharp nails that can shrink, disguise nails as properly as tigers. In common, cat breeds are divided into two significant attributes.
Is a longhaired cat and a shor
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Cat or domestic cat (scientific title: Felis catus) is a mammal in the Felidae household. The loved ones originated from the Siberian tiger (Felis tigris altaica).
Categorized as a team of carnivores There are sharp enamel and sharp nails that can shrink, cover nails as effectively as tigers. In common, cat breeds are divided into two major qualities.
Is a longhaired cat and a shorthaire
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Archaebacteria but instead was a chimera formed by fusion and integration of the genomes of an archaebacterium and a gram-negative bacterium. The available data indicate that the primary fusion event that gave rise to the ancestral eukaryotic cell was unique and that it was very probably distinct from (and preceded) the one that gave rise to mitochondria and hydrogenosomes. These results provide e
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Izziness dyspepsia TRADAMIXINA (n=35) n=0 n=0 n=0 n=0 n=0 TADALAFIL 5mg(n=35) n=5 n=4 n=4 n=1 n=Fig. 8 Area 1 and Area 3 Scores Pre and Post Treatment Ttradamixina vs Tadalafil 5mg Daily.(DHEAS) levels using radioimmunoassay. In primates, the increases in T (52 ), DHT (31 ) and DHEAS (29 ) at 7.5mg/kg were statistically significant. In rabbits, both T and DHT were increased compared to control, ho
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As it turns out, AOC isn't the only democratic socialist politician who misled the public about her "working class" roots to help get elected. Julia Salazar, the Brooklyn state senator and DSA - that's Democratic Socialists of America - member who unseated a rival Democrat last year with the help of the city's increasingly active democratic socialist machine, lied about growing up in a financially challenged immigrant family in Bushwick.





In a recent filing with the state's Joint Commission on Public Ethics, Salazar revealed that she's actually the benefi

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ciary of a trust fund worth more than $10 million. Though the Salazar campaign is now claiming that this was a reporting error, and that the trust fund is worth "only" $400,000.



Either way, Salazar used money from the fund to pay for living expenses while she was busy campaigning to unseat centrist Democrat Martin Dilan, whom she painted as a friend to the developers who were 'ruining' Brooklyn by driving the tide of gentrification.



The trust fund was left to Salazar by her father, Luis Salazar.





Salazar told the New York Post that she misread the form's categories, and thought the "$10 million and over" designation was actually the "$10,000 and over" designation (we hope she's not making these types of errors while writing up proposed legislation).



"I looked at it in a cursory way...I mistook the comma versus the decimal point, so it added it extra zeros.”



Yet, amazingly, the rest of the form was filled out correctly.



Salazar doesn't control the trust fund, so she isn't required to state its value. Her aunt reportedly controls the fund, which benefits Salazar and her brother and other family members.



As recently as 2011, the fund had "in excess" of $600,000.



Salazar attracted a groundswell of support from the rose-emoji crowd by claiming to be a working class immigrant who grew up in poverty. As it turns out, she was actually born in the US, to a family that her own brother described as "upper middle class."



Some people will say anything for a chance at gaining political power.

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Cades. Nematode enzymes mapped to known human disease pathways such as Huntington's disease, Alzheimers disease, Parkinson's disease and Vibrio cholerae infection. The neurological disorder pathways are known to describe the morbidity and depression associated with helminthic infections. The Vibrio cholera infection pathway supports this parasite being similar to gastrointestinal strongylid nemato
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Ife forms. J. Mol. Evol. 28:98?12. 34. Chatton, E. 1937. Titres et travaux scientifiques (1906?937) de Edouard Chatton. E. Sottano, Sete, France. 35. Clark, C. G., and A. J. Roger. 1995. Direct evidence for secondary loss of mitochondria in Entamoeba histolytica. Proc. Natl. Acad. Sci. USA 92: 6518?521. 36. Cohan, F. M. 1994. Genetic exchange and evolutionary divergence in prokaryotes. Science 264
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I am starting out as a independent reporter. I will only speak of things I have seen with my own eyes, and will shoot straight with you. There is corruption here in my city. I have experienced it myself, and nobody can tell me otherwise as you cannot un-see a thing. I have witnessed numerous crimes commited by the very people sworn to protect us. I have seen investigations be perpetrated against i
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Ommon to prokaryotic cell cycle proteins, sugar kinases, actin, and hsp70 heat shock proteins. Proc. Natl. Acad. Sci. USA 89:7290?294. 18a.Brennan, P. J., and H. Nikaido. 1995. The envelope of mycobacteria. Annu. Rev. Biochem. 64:29?3. 19. Brooks, B. W., R. G. E. Murray, J. L. Johnson, E. Stackebrandt, C. R. Woese, and G. E. Fox. 1980. Red-pigmented micrococci: a basis for taxonomy. Int. J. Syst.
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Ivered between gestational days 20 and 34, which is when extravillous trophoblasts display the maximal decidual penetration [37]; thus the secondary fetal losses may be attributed to decreased decidual vasodilatation, hyperpermeability, and priming of the spiral arteries [41]. The retardation of trophoblast invasion, reflected at term by a reduction of endovascular trophoblasts in viable feto-plac
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Xpression by 400 mM isopropyl-b-D-1-thiogalactopyranoside. The temperature was adjusted to 20 , and bacteria were grown for a further 6 h. Bacterial cells were recovered by centrifugation at 5,000g and frozen as pellets. His-tagged TricSAM was purified by standard immobilized metal-affinity chromatography (GE Healthcare), with the protein recovered by elution with 200 mM imidazole. The elution sam
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Iative under the following accession numbers: Tric1 (At3g49560), Tric2 (At5g24650), Tim23-2 (At1g72750), Tim17-2 (At2g37410), Tim22 (At3g10110/ At1g18320), RISP (At5g13430), MPP-a (At3g16480), and tRNAAla (At3g62245). Sequencing data are available from the National Center for Biotechnology Information Gene Expression Omnibus database under accession number GSE76287.Supplemental DataThe following s
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Sp70 (Fig. 26) and Hsp90 (Fig. 31) also contain several unique sequence signatures not found in any prokaryotic homologs. These signature provides evidence that all of the eukaryotes are derived from a single ancestor and that the postulated fusion event was unique.VOL. 62,PHYLOGENY OF PROKARYOTES AND EUKARYOTEScluding amitochondriate and aplastidic cells, received major gene contributions to the
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Ivecommons.orglicensesby), which permits unrestricted use, distribution, and reproduction in any medium, offered the original work is adequately cited.Vickers et al.Trials , : www.trialsjournal.comcontentPage ofinform clinical practice.On the other hand, using acupuncture trials to aid clinical choices is n.Ivecommons.orglicensesby), which permits unrestricted use, distribution, and reproduction
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Suspicious attacks on unmanned aircraft could set precedent for major conflict.
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Archaebacteria but instead was a chimera formed by fusion and integration of the genomes of an archaebacterium and a gram-negative bacterium. The available data indicate that the primary fusion event that gave rise to the ancestral eukaryotic cell was unique and that it was very probably distinct from (and preceded) the one that gave rise to mitochondria and hydrogenosomes. These results provide e
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L., 2015).Northern-Blot AnalysistRNA purification and northern-blot analysis were carried out as described previously (Duch e and Mar hal-Drouard, 2001). tRNA was extracted from whole tissue (total) and purified mitochondria from 2-week-old seedlings. tRNA was separated on 15 polyacrylamide gels and transferred to Hybond nylon membranes. Hybridization was carried out using the oligonucleotides sp
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El viaje de Raffaele Sardella por Latinoamerica

Raffaele Sardella recorrió once países en nueve meses con el objetivo de llegar a México para una entrevista laboral. Su travesía quedó plasmado en un libro de viaje

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Las abejas, biología e importancia de un insecto social por Raffale Sardella

El ingeniero forestal Raffale Sa
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