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Australians are again breaking borrowing records as they pile into a hot housing market, which is predicted to rise by 8% this year


Properties are being snapped up as Australian borrowers stream back. (H. Armstrong Roberts, Retrofile, Getty Images)
Australian lending has grown yet again, with $26 billion in new borrowing commitments approved in December alone, according to the latest ABS figures.
It represents 31.2% growth on last year’s figure, with owner-occupier loans up nearly 40% year-on-year.
Given the strength of buyer appetite, coupled by a lack of sellers, the Commonwealth Bank is forecasting 8% price growth across capital cities this year.
Seduced by historically low interest rates and government incentives, buyers are racing into rebounding property markets at a breakneck clip.
The latest ABS data shows Australian borrowing rose for the seventh consecutive month in December to hit more than $26 billion in new commitments, up 31.2% year-on-year and 8% up on a record November. ....

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The End of History and the Fast Man — The New Atlantis


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By early 1967, just months after Ronald Reagan’s election as governor, James Q. Wilson had already tired of East-Coasters’ new favorite pastime, “Explaining California.” So the California-born Harvard professor penned a firsthand account of growing up in Long Beach, “to try to explain what it was like at least in general terms, and how what it was like is relevant to what is happening there today.” As Wilson explained in “A Guide to Reagan Country,” Reaganism reflected a southern Californian individualism focused not on changing the world but on improving your own small part of it your home, your yard, and, before you were old enough for any of that, your car. ....

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How Many Minutes Per Day Should You Spend Outside During Winter?


How Many Minutes Per Day Should You Spend Outside During Winter?
Tanner Garrity, provided by
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Every year, the city of Tromsø, Norway 77,000 strong, and one of the largest settlements north of the Arctic Circle in the world gears up for two months of polar night. Here’s a photo of Tromsø’s skyline all lit up for an
early afternoon in December. Locals see less than three hours of scattered sunlight each day (at best) during this period. Temperatures are typically around 25 °F.
Tromsø is an almost obnoxiously charming place. The town’s claim to fame is that it contains the most “old wooden homes” in Northern Norway. But how could locals possibly tolerate two months of punitive cold and unrelenting darkness? You would assume they have a massive problem with seasonal affective disorder, also known as “winter depression,” which millions of Americans currently grapple with. ....

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