Running into Coert Coetzee (the founder of www.treoc.com)

It was unexpected and great running into Coert Coetzee (the founder of www.treoc.com) in Johannesburg on the 18th of May.

The last time we spoke was before the Property Market Crash of 2008.

We had a short discussion of how prices have fallen, but how the principles are still correct. 

It would have been better not to buy before prices fall..... but we tend not to buy if we don't decide to buy now......   and the damage of not buying today is worse than not buying at all....

I hope the statement above follows logic?

What is Properties24.co.za all about?

We are all passionate about property, 24 hours a day, 7 days a week , 365 days a year. 

I request that we all use this Blog to educate one another about property.





It is a great way to create wealth.

(Lots of money can also be lost - if you do not educate yourself)

What Property means to me?

Property to me currently means:

1. Real Estate Property
Buying and Selling
Buying and Renting out


Commercial
- It always sounds if the real money is made here


Residential
- I prefer this above Commercial - possibly because I have much less experience with Commercial and I don't have the right systems in place for Commercial.




2. Website Property

Buying and Selling
Buying and Renting out

Make 25% to 100% on R200,000.00 per annum in legal contracts.

Offer to be discussed in detail?  (Only to friends)

Pros:

1. Be in control

2. Little Risk

3. No marketing or selling

4. Risk reduced through contracts and guarantees

5. Property Developer with more than 15 years experience, NHBRC registered, and seasoned property investor.

6. Invest in legal contracts with the worse case scenario being property at R100,000.00 below cost.

Cons:

1. Limited opportunities - might only be able to partake once - or a limited amount of time

2. There will be tax implications

3. Good credit record is required

Conditions:

How it works?

1. You apply for a building loan via one of the 4 major banks

1. You purchase a stand in a upmarket security estate

2. Have a choice of 3 popular upmarket rental houses built on stand

3. Recover your R 200,000 investment after 6 months

4. Choose to keep your investment property, Sell it for R50,000 more, or sell it for R100,000 more with your finance transferred to our Upmarket Rental Property Investment Trust

5. Options: Rental Guarantee for 12 months @ R15,000 per month

50% Partnership to my friends and family members

For exactly 10 years this year I have been proposing that my friends and family invest in residential rental properties.

This started  after it took me 5 years (from 1998 to 2003) to discover how I was making money with Residential Rental properties myself.

It frustrates me to see how little of my friends and family actually took the first step.

Now you might ask me:

Why would I like you to make money?
What is in it for me?
etc etc.

One would like to see your  friends and family prosper  - The more money people have around you the more opportunities there are for everybody around you.  
Also, Instead of continuing to see you NOT take action maybe i can help, and profit in the process.

When I ask why have you not invested in Residential Rental properties I get the following responses.

1. I have, I bought myself a house (the house I live in, or the house i operate my business from)  * This is not a Residential Rental property; and does not come with the same advantages.
2. You make so little on property for the effort of a tenant phoning you on a weekend.
3. What do you do if the tenant does not pay?
4. I don't know enough - It sounds complicated
5. Squatters!!
6. What happens if your property is destroyed by the tenant?
7. I am scared.
8. Who handles all the admin, rates and taxes, levee, electricity ? 

I look at all above as excuses and not real issues...... BUT I have decided that I will make the following offer.

If you are interested in making money by buying residential rental properties with me - I will be prepared to go in 50/50 partnership with you and I will cover 100% of  all the costs of the above problems. That is my guarantee to you.


Let me know via reply email if you are interested ? chris@notebook.co.za

Christopher


PS: I have always mentioned to my family and friends that I would STRONGLY advise them NEVER to buy property in a Partnership - I  still advise that.  When we "partner" 50/50 we will have a company created where you (or a trust) owns 50% and my property trust owns the other 50% of the company which will own a property  - having a company created is totally different than a conventional partnership. It removes a lot of the risk for the other party, and it creates a clear exit strategy when created correctly.

PSS: Other questions that will follow - Do you have capital to invest?  how much?  How soon do you want to profit? How much do you expect to make in Rands and/or % per annum or for period ?  Do you have a clean credit record? Do you know if you will qualify for a home loan and how much? If you cannot answer any of these questions please feel free to say so - so that i can assist.

PSS: If you know of people that are in financial trouble that have property please let me know - We should be able to structure deals to help them and ourselves.

Citizen MoneyWeb Thursday 5 June 2008

Pretoria News Business Report June 05 2008

The Property Bubble BURSTS!!!
It is Official!!

Comment made in 2005 When nobody saw any possible fall.

2005 - House Market cools off - and some say it may get chilly

Yellow marker

2005 - House Market cools off - and some say it may get chilly

Current and historic South African central bank interest rates

Please see below - and let me know where we can improve on the Data ?

DATE	%
1948/12/31	4.5
1949/10/17	5
1952/04/01	5.5
1955/10/01	6
1958/06/01	6.5
1959/01/22	6
1960/08/19	6.5
1961/05/15	7
1962/01/01	6.5
1962/07/01	6
1962/12/01	5.5
1964/07/24	6
1964/12/12	6.5
1965/03/08	7
1966/07/15	8
1967/07/01	8.5
1968/09/10	8
1970/09/15	8.5
1971/05/01	9
1972/08/19	8.5
1973/04/16	8
1973/07/16	7.5
1973/11/15	8
1974/02/01	9
1974/06/01	10
1974/08/01	11
1974/10/07	12
1975/07/15	11
1975/08/11	11.5
1975/10/01	12
1976/06/22	12.5
1978/08/24	12
1978/09/15	11.5
1979/02/12	11
1979/03/24	10
1979/08/16	9.5
1981/01/24	10
1981/02/09	11
1981/03/24	11.5
1981/05/06	13
1981/06/24	14
1981/07/21	16
1981/12/17	17
1982/02/18	18
1982/02/26	19
1982/03/04	20
1982/11/01	19
1982/11/22	18
1983/01/24	17
1983/02/16	16
1983/03/07	14
1983/06/13	15
1983/06/24	16
1983/08/08	17
1983/08/15	18
1983/11/23	19
1983/12/14	19.5
1983/12/24	20
1984/03/23	21
1984/07/17	22
1984/08/04	25
1984/11/19	23
1984/12/17	24
1985/01/08	25
1985/05/06	24
1985/05/27	23
1985/06/24	22
1985/07/10	21
1985/09/02	19.5
1985/10/07	18.5
1985/11/04	17.5
1985/11/25	16.5
1986/01/24	15.5
1986/05/05	14.5
1986/08/23	14
1986/09/20	13.5
1986/12/24	12
1987/01/24	12.5
1988/01/21	13
1988/03/10	14
1988/05/05	15
1988/07/29	16
1988/11/03	18
1989/02/28	19
1989/05/08	20
1989/10/11	21
1991/04/02	20
1991/10/01	20.25
1992/04/01	19.25
1992/07/06	18.25
1992/11/23	17.25
1993/02/22	16.25
1993/11/01	15.25
1994/09/26	16.25
1995/02/22	17.5
1995/07/03	18.5
1996/04/29	19.5
1996/05/20	20.5
1996/07/01	19.5
1996/10/01	19.25
1996/11/21	20.25
1997/10/21	19.25
1998/03/09	18.25
1998/06/11	20.25
1998/06/30	22.25
1998/07/04	24
1998/08/31	25.5
1998/10/19	24.5
1998/11/09	23.5
1998/12/07	23
1999/01/11	22
1999/02/12	21
1999/03/08	20
1999/04/19	19
1999/06/25	18
1999/07/14	17.5
1999/08/08	16.5
1999/10/04	15.5
2000/01/24	14.5
2001/06/18	13.75
2001/07/16	13.5
2001/09/25	13
2002/01/16	14
2002/03/18	15
2002/06/14	16
2002/09/16	17
2003/06/13	15.5
2003/08/15	14.5
2003/09/11	13.5
2003/10/20	12
2003/12/15	11.5
2004/08/16	11
2005/04/15	10.5
2006/06/08	11
2006/08/03	11.5
2006/10/13	12
2006/12/08	12.5
2007/06/08	13
2007/08/17	13.5
2007/10/12	14
2007/12/07	14.5
2008/04/11	15
2008/06/13	15.50%
2008/12/12	15.00%
2009/02/06	14.00%
2009/03/25	13.00%
2009/05/04	12.00%
2009/05/28	11.00%
2009/08/13	10.50%
2010/03/25	10.00%
2010/09/09	9.50%
2010/11/18	9.00%
2012/07/19	8.50%

2014/01/29

9.00%

2014/07/17

9.25%

2015/07/23

9.50%

2015/11/19

9.75%

2016/01/28

10.25%

2016/03/17

10.50%

2017/07/20

10.25%

2018/03/29

10.00%

2018/11/22

10.25%

2019/07/18

10.00%

2020/01/16

9.75%

Covid19 reductions

2020/03/19

8.75%

2020/04/14

7.75%

2020/05/18

7.25%

2020/07/23

7.00%

"Past" Covid-19

2021/11/19                  7.25%

2022/01/27                  7.50%

2022/03/24                  7.75%

2022/05/19                  8.25%

2022/07/21                  9.00%

2022/09/22                  9.75%

2022/11/24                 10.50%

2023/01/26                 10.75%

2023/03/30                 11.25%

2023/05/26                 11.75%

2024/09/19                 11.50%

2024/11/20                 11.25%

2025/01/31                 11.00%

2025/05/29                 10.75%

2025/07/31                 10.50%

Online Inflation Calculator from Real historical data

http://inflationcalc.co.za/

Also see https://mybroadband.co.za/news/smartphones/477041-iphone-prices-vs-average-salary-in-south-africa.html

Historical Inflation Data

This is the inflation index data, from Stats SA, used by the calculator.

Month Inflation Index Inflation Percentage

2014, August 111.0 6.42 %

2014, July 110.6 6.35 %

2014, June 109.7 6.61 %

2014, May 109.4 6.63 %

2014, April 109.2 6.12 %

2014, March 108.7 6.05 %

2014, February 107.3 5.92 %

2014, January 106.1 5.78 %

2013, December 105.4 5.40 %

2013, November 105.1 5.31 %

2013, October 105.0 5.53 %

2013, September 104.8 5.97 %

2013, August 104.3 6.43 %

2013, July 104.0 6.34 %

2013, June 102.9 5.54 %

2013, May 102.6 5.56 %

2013, April 102.9 5.86 %

2013, March 102.5 5.89 %

2013, February 101.3 5.85 %

2013, January 100.3 5.36 %

2012, December 100.0 5.71 %

2012, November 99.8 5.61 %

2012, October 99.5 5.63 %

2012, September 98.9 5.44 %

2012, August 98.0 4.93 %

2012, July 97.8 4.94 %

2012, June 97.5 5.52 %

2012, May 97.2 5.65 %

2012, April 97.2 6.11 %

2012, March 96.8 6.02 %

2012, February 95.7 6.10 %

2012, January 95.2 6.25 %

2011, December 94.6 6.05 %

2011, November 94.5 6.18 %

2011, October 94.2 5.96 %

2011, September 93.8 5.75 %

2011, August 93.4 5.42 %

2011, July 93.2 5.19 %

2011, June 92.4 5.00 %

2011, May 92.0 4.55 %

2011, April 91.6 4.33 %

2011, March 91.3 4.10 %

2011, February 90.2 3.68 %

2011, January 89.6 3.70 %

2010, December 89.2 3.48 %

2010, November 89.0 3.49 %

2010, October 88.9 3.37 %

2010, September 88.7 3.14 %

2010, August 88.6 3.50 %

2010, July 88.6 3.75 %

2010, June 88.0 4.14 %

2010, May 88.0 4.64 %

2010, April 87.8 4.77 %

2010, March 87.7 5.16 %

2010, February 87.0 5.71 %

2010, January 86.4 6.14 %

2009, December 86.2 6.29 %

2009, November 86.0 4.88 %

2009, October 86.0 5.01 %

2009, September 86.0 5.01 %

2009, August 85.6 4.65 %

2009, July 85.4 5.17 %

2009, June 84.5 6.16 %

2009, May 84.1 7.13 %

2009, April 83.8 7.85 %

2009, March 83.4 9.31 %

2009, February 82.3 9.59 %

2009, January 81.4 8.82 %

2008, December 81.1 9.59 %

2008, November 82.0 11.72 %

2008, October 81.9 12.04 %

2008, September 81.9 12.97 %

2008, August 81.8 13.77 %

2008, July 81.2 13.41 %

2008, June 79.6 12.27 %

2008, May 78.5 11.66 %

2008, April 77.7 11.16 %

2008, March 76.3 10.58 %

2008, February 75.1 9.80 %

2008, January 74.8 9.20 %

2007, December 74.0 8.82 %

2007, November 73.4 8.58 %

2007, October 73.1 7.98 %

2007, September 72.5 7.25 %

2007, August 71.9 6.68 %

2007, July 71.6 7.03 %

2007, June 70.9 7.10 %

2007, May 70.3 7.00 %

2007, April 69.9 6.88 %

2007, March 69.0 6.15 %

2007, February 68.4 5.72 %

2007, January 68.5 6.04 %

2006, December 68.0 5.92 %

2006, November 67.6 5.30 %

2006, October 67.7 5.45 %

2006, September 67.6 5.30 %

2006, August 67.4 5.48 %

2006, July 66.9 5.02 %

2006, June 66.2 4.91 %

2006, May 65.7 3.96 %

2006, April 65.4 3.48 %

2006, March 65.0 3.34 %

2006, February 64.7 3.85 %

2006, January 64.6 3.86 %

2005, December 64.2 3.55 %

2005, November 64.2 3.38 %

2005, October 64.2 3.88 %

2005, September 64.2 4.22 %

2005, August 63.9 3.73 %

2005, July 63.7 3.41 %

2005, June 63.1 2.77 %

2005, May 63.2 3.27 %

2005, April 63.2 3.27 %

2005, March 62.9 2.95 %

2005, February 62.3 2.64 %

2005, January 62.2 2.98 %

2004, December 62.0 3.51 %

2004, November 62.1 3.67 %

2004, October 61.8 2.49 %

2004, September 61.6 1.48 %

2004, August 61.6 1.15 %

2004, July 61.6 1.48 %

2004, June 61.4 1.15 %

2004, May 61.2 0.49 %

2004, April 61.2 0.33 %

2004, March 61.1 0.33 %

2004, February 60.7 0.83 %

2004, January 60.4 0.17 %

2003, December 59.9 0.34 %

2003, November 59.9 0.34 %

2003, October 60.3 1.52 %

2003, September 60.7 3.58 %

2003, August 60.9 5.18 %

2003, July 60.7 5.20 %

2003, June 60.7 6.87 %

2003, May 60.9 7.98 %

2003, April 61.0 8.93 %

2003, March 60.9 10.33 %

2003, February 60.2 10.26 %

2003, January 60.3 11.46 %

2002, December 59.7 12.43 %

2002, November 59.7 12.85 %

2002, October 59.4 12.93 %

2002, September 58.6 11.41 %

2002, August 57.9 10.29 %

2002, July 57.7 9.70 %

2002, June 56.8 7.98 %

2002, May 56.4 7.63 %

2002, April 56.0 7.28 %

2002, March 55.2 6.36 %

2002, February 54.6 5.81 %

2002, January 54.1 5.05 %

2001, December 53.1 4.53 %

2001, November 52.9 4.34 %

2001, October 52.6 3.95 %

2001, September 52.6 4.37 %

2001, August 52.5 4.58 %

2001, July 52.6 5.20 %

2001, June 52.6 6.05 %

2001, May 52.4 6.29 %

2001, April 52.2 6.53 %

2001, March 51.9 7.23 %

2001, February 51.6 7.72 %

2001, January 51.5 7.07 %

2000, December 50.8 6.95 %

2000, November 50.7 6.96 %

2000, October 50.6 6.98 %

2000, September 50.4 7.01 %

2000, August 50.2 6.81 %

2000, July 50.0 6.16 %

2000, June 49.6 5.31 %

2000, May 49.3 5.12 %

2000, April 49.0 4.48 %

2000, March 48.4 3.42 %

2000, February 47.9 2.35 %

2000, January 48.1 2.78 %

1999, December 47.5 2.15 %

1999, November 47.4 1.94 %

1999, October 47.3 1.72 %

1999, September 47.1 1.73 %

1999, August 47.0 3.30 %

1999, July 47.1 4.67 %

1999, June 47.1 7.05 %

1999, May 46.9 7.08 %

1999, April 46.9 7.57 %

1999, March 46.8 7.83 %

1999, February 46.8 8.58 %

1999, January 46.8 8.84 %

1998, December 46.5 9.15 %

1998, November 46.5 9.41 %

1998, October 46.5 9.15 %

1998, September 46.3 8.94 %

1998, August 45.5 7.82 %

1998, July 45.0 6.64 %

1998, June 44.0 5.26 %

1998, May 43.8 5.04 %

1998, April 43.6 5.06 %

1998, March 43.4 5.60 %

1998, February 43.1 5.38 %

1998, January 43.0 5.91 %

1997, December 42.6 5.97 %

1997, November 42.5 6.78 %

1997, October 42.6 7.58 %

1997, September 42.5 8.42 %

1997, August 42.2 8.76 %

1997, July 42.2 9.04 %

1997, June 41.8 8.85 %

1997, May 41.7 9.74 %

1997, April 41.5 9.79 %

1997, March 41.1 9.60 %

1997, February 40.9 9.65 %

1997, January 40.6 9.14 %

1996, December 40.2 9.54 %

1996, November 39.8 9.04 %

1996, October 39.6 9.09 %

1996, September 39.2 8.29 %

1996, August 38.8 7.18 %

1996, July 38.7 7.20 %

1996, June 38.4 6.96 %

1996, May 38.0 5.85 %

1996, April 37.8 5.59 %

1996, March 37.5 5.93 %

1996, February 37.3 6.57 %

1996, January 37.2 6.90 %

1995, December 36.7 7.00 %

1995, November 36.5 6.41 %

1995, October 36.3 6.14 %

1995, September 36.2 6.47 %

1995, August 36.2 7.74 %

1995, July 36.1 9.06 %

1995, June 35.9 10.12 %

1995, May 35.9 10.80 %

1995, April 35.8 11.18 %

1995, March 35.4 10.63 %

1995, February 35.0 10.06 %

1995, January 34.8 9.78 %

1994, December 34.3 9.58 %

1994, November 34.3 9.94 %

1994, October 34.2 9.97 %

1994, September 34.0 10.03 %

1994, August 33.6 9.09 %

1994, July 33.1 8.17 %

1994, June 32.6 7.24 %

1994, May 32.4 7.28 %

1994, April 32.2 6.98 %

1994, March 32.0 8.84 %

1994, February 31.8 9.66 %

1994, January 31.7 9.69 %

1993, December 31.3 9.44 %

1993, November 31.2 9.09 %

1993, October 31.1 9.51 %

1993, September 30.9 9.19 %

1993, August 30.8 9.22 %

1993, July 30.6 9.68 %

1993, June 30.4 10.14 %

1993, May 30.2 10.62 %

1993, April 30.1 10.66 %

1993, March 29.4 9.70 %

1993, February 29.0 9.02 %

1993, January 28.9 9.47 %

1992, December 28.6 10.00 %

1992, November 28.6 11.28 %

1992, October 28.4 11.81 %

1992, September 28.3 13.20 %

1992, August 28.2 14.63 %

1992, July 27.9 14.81 %

1992, June 27.6 15.00 %

1992, May 27.3 14.71 %

1992, April 27.2 15.74 %

1992, March 26.8 16.02 %

1992, February 26.6 15.65 %

1992, January 26.4 16.30 %

1991, December 26.0 16.07 %

1991, November 25.7 15.25 %

1991, October 25.4 16.51 %

1991, September 25.0 15.74 %

1991, August 24.6 15.49 %

1991, July 24.3 15.71 %

1991, June 24.0 15.38 %

1991, May 23.8 14.98 %

1991, April 23.5 15.20 %

1991, March 23.1 13.79 %

1991, February 23.0 15.00 %

1991, January 22.7 14.65 %

1990, December 22.4 14.29 %

1990, November 22.3 15.54 %

1990, October 21.8 14.14 %

1990, September 21.6 14.29 %

1990, August 21.3 13.30 %

1990, July 21.0 13.51 %

1990, June 20.8 13.66 %

1990, May 20.7 13.74 %

1990, April 20.4 13.97 %

1990, March 20.3 14.69 %

1990, February 20.0 14.94 %

1990, January 19.8 15.12 %

1989, December 19.6 15.29 %

1989, November 19.3 14.88 %

1989, October 19.1 14.37 %

1989, September 18.9 14.55 %

1989, August 18.8 15.34 %

1989, July 18.5 14.91 %

1989, June 18.3 15.09 %

1989, May 18.2 15.19 %

1989, April 17.9 14.74 %

1989, March 17.7 14.19 %

1989, February 17.4 14.47 %

1989, January 17.2 13.16 %

1988, December 17.0 12.58 %

1988, November 16.8 12.00 %

1988, October 16.7 12.84 %

1988, September 16.5 12.24 %

1988, August 16.3 13.19 %

1988, July 16.1 13.38 %

1988, June 15.9 12.77 %

1988, May 15.8 12.86 %

1988, April 15.6 12.23 %

1988, March 15.5 13.14 %

1988, February 15.2 12.59 %

1988, January 15.2 14.29 %

1987, December 15.1 15.27 %

1987, November 15.0 15.38 %

1987, October 14.8 14.73 %

1987, September 14.7 15.75 %

1987, August 14.4 15.20 %

1987, July 14.2 15.45 %

1987, June 14.1 16.53 %

1987, May 14.0 17.65 %

1987, April 13.9 16.81 %

1987, March 13.7 17.09 %

1987, February 13.5 17.39 %

1987, January 13.3 16.67 %

1986, December 13.1 18.02 %

1986, November 13.0 19.27 %

1986, October 12.9 20.56 %

1986, September 12.7 19.81 %

1986, August 12.5 19.05 %

1986, July 12.3 19.42 %

1986, June 12.1 17.48 %

1986, May 11.9 16.67 %

1986, April 11.9 17.82 %

1986, March 11.7 19.39 %

1986, February 11.5 17.35 %

1986, January 11.4 20.00 %

1985, December 11.1 18.09 %

1985, November 10.9 17.20 %

1985, October 10.7 16.30 %

1985, September 10.6 16.48 %

1985, August 10.5 16.67 %

1985, July 10.3 15.73 %

1985, June 10.3 17.05 %

1985, May 10.2 15.91 %

1985, April 10.1 16.09 %

1985, March 9.8 15.29 %

1985, February 9.8 16.67 %

1985, January 9.5 13.10 %

1984, December 9.4 13.25 %

1984, November 9.3 12.05 %

1984, October 9.2 12.20 %

1984, September 9.1 12.35 %

1984, August 9.0 11.11 %

1984, July 8.9 11.25 %

1984, June 8.8 11.39 %

1984, May 8.8 11.39 %

1984, April 8.7 11.54 %

1984, March 8.5 10.39 %

1984, February 8.4 9.09 %

1984, January 8.4 12.00 %

1983, December 8.3 10.67 %

1983, November 8.3 10.67 %

1983, October 8.2 10.81 %

1983, September 8.1 10.96 %

1983, August 8.1 12.50 %

1983, July 8.0 12.68 %

1983, June 7.9 12.86 %

1983, May 7.9 12.86 %

1983, April 7.8 13.04 %

1983, March 7.7 11.59 %

1983, February 7.7 14.93 %

1983, January 7.5 13.64 %

1982, December 7.5 13.64 %

1982, November 7.5 13.64 %

1982, October 7.4 13.85 %

1982, September 7.3 12.31 %

1982, August 7.2 14.29 %

1982, July 7.1 14.52 %

1982, June 7.0 14.75 %

1982, May 7.0 16.67 %

1982, April 6.9 16.95 %

1982, March 6.9 16.95 %

1982, February 6.7 13.56 %

1982, January 6.6 13.79 %

1981, December 6.6 13.79 %

1981, November 6.6 15.79 %

1981, October 6.5 14.04 %

1981, September 6.5 18.18 %

1981, August 6.3 16.67 %

1981, July 6.2 14.81 %

1981, June 6.1 15.09 %

1981, May 6.0 15.38 %

1981, April 5.9 15.69 %

1981, March 5.9 15.69 %

1981, February 5.9 15.69 %

1981, January 5.8 16.00 %

1980, December 5.8 16.00 %

1980, November 5.7 16.33 %

1980, October 5.7 16.33 %

1980, September 5.5 12.24 %

1980, August 5.4 12.50 %

1980, July 5.4 12.50 %

1980, June 5.3 15.22 %

1980, May 5.2 15.56 %

1980, April 5.1 13.33 %

1980, March 5.1 13.33 %

1980, February 5.1 15.91 %

1980, January 5.0 13.64 %

1979, December 5.0 16.28 %

1979, November 4.9 13.95 %

1979, October 4.9 13.95 %

1979, September 4.9 13.95 %

1979, August 4.8 14.29 %

1979, July 4.8 14.29 %

1979, June 4.6 15.00 %

1979, May 4.5 12.50 %

1979, April 4.5 12.50 %

1979, March 4.5 15.38 %

1979, February 4.4 12.82 %

1979, January 4.4 12.82 %

1978, December 4.3 10.26 %

1978, November 4.3 13.16 %

1978, October 4.3 13.16 %

1978, September 4.3 13.16 %

1978, August 4.2 10.53 %

1978, July 4.2 13.51 %

1978, June 4.0 8.11 %

1978, May 4.0 8.11 %

1978, April 4.0 8.11 %

1978, March 3.9 8.33 %

1978, February 3.9 8.33 %

1978, January 3.9 8.33 %

1977, December 3.9 11.43 %

1977, November 3.8 8.57 %

1977, October 3.8 8.57 %

1977, September 3.8 8.57 %

1977, August 3.8 8.57 %

1977, July 3.7 8.82 %

1977, June 3.7 8.82 %

1977, May 3.7 12.12 %

1977, April 3.7 12.12 %

1977, March 3.6 9.09 %

1977, February 3.6 12.50 %

1977, January 3.6 12.50 %

1976, December 3.5 9.38 %

1976, November 3.5 9.38 %

1976, October 3.5 12.90 %

1976, September 3.5 12.90 %

1976, August 3.5 12.90 %

1976, July 3.4 9.68 %

1976, June 3.4 13.33 %

1976, May 3.3 10.00 %

1976, April 3.3 10.00 %

1976, March 3.3 13.79 %

1976, February 3.2 10.34 %

1976, January 3.2 10.34 %

1975, December 3.2 14.29 %

1975, November 3.2 14.29 %

1975, October 3.1 10.71 %

1975, September 3.1 10.71 %

1975, August 3.1 14.81 %

1975, July 3.1 14.81 %

1975, June 3.0 11.11 %

1975, May 3.0 15.38 %

1975, April 3.0 15.38 %

1975, March 2.9 11.54 %

1975, February 2.9 16.00 %

1975, January 2.9 16.00 %

1974, December 2.8 12.00 %

1974, November 2.8 12.00 %

1974, October 2.8 12.00 %

1974, September 2.8 16.67 %

1974, August 2.7 12.50 %

1974, July 2.7 12.50 %

1974, June 2.7 12.50 %

1974, May 2.6 8.33 %

1974, April 2.6 8.33 %

1974, March 2.6 13.04 %

1974, February 2.5 8.70 %

1974, January 2.5 8.70 %

1973, December 2.5 8.70 %

1973, November 2.5 8.70 %

1973, October 2.5 8.70 %

1973, September 2.4 9.09 %

1973, August 2.4 9.09 %

1973, July 2.4 9.09 %

1973, June 2.4 14.29 %

1973, May 2.4 14.29 %

1973, April 2.4 14.29 %

1973, March 2.3 9.52 %

1973, February 2.3 9.52 %

1973, January 2.3 9.52 %

1972, December 2.3 9.52 %

1972, November 2.3 9.52 %

1972, October 2.3 9.52 %

1972, September 2.2 4.76 %

1972, August 2.2 4.76 %

1972, July 2.2 10.00 %

1972, June 2.1 5.00 %

1972, May 2.1 5.00 %

1972, April 2.1 5.00 %

1972, March 2.1 5.00 %

1972, February 2.1 5.00 %

1972, January 2.1 5.00 %

1971, December 2.1 5.00 %

1971, November 2.1 5.00 %

1971, October 2.1 5.00 %

1971, September 2.1 5.00 %

1971, August 2.1 5.00 %

1971, July 2.0 5.26 %

1971, June 2.0 5.26 %

1971, May 2.0 5.26 %

1971, April 2.0 5.26 %

1971, March 2.0 5.26 %

1971, February 2.0 5.26 %

1971, January 2.0 5.26 %

1970, December 2.0 5.26 %

1970, November 2.0 5.26 %

1970, October 2.0 5.26 %

1970, September 2.0 11.11 %

1970, August 2.0 11.11 %

1970, July 1.9 5.56 %

1970, June 1.9 5.56 %

1970, May 1.9 5.56 %

1970, April 1.9 5.56 %

1970, March 1.9 5.56 %

1970, February 1.9 5.56 %

1970, January 1.9 5.56 %

1969, December 1.9 5.56 %

1969, November 1.9 5.56 %

1969, October 1.9 5.56 %

1969, September 1.8

1969, August 1.8

1969, July 1.8

1969, June 1.8 5.88 %

1969, May 1.8 5.88 %

1969, April 1.8 5.88 %

1969, March 1.8 5.88 %

1969, February 1.8 5.88 %

1969, January 1.8 5.88 %

1968, December 1.8 5.88 %

1968, November 1.8 5.88 %

1968, October 1.8 5.88 %

1968, September 1.8 5.88 %

1968, August 1.8 5.88 %

1968, July 1.8 5.88 %

1968, June 1.7

1968, May 1.7

1968, April 1.7

1968, March 1.7

1968, February 1.7

1968, January 1.7

1967, December 1.7

1967, November 1.7

1967, October 1.7

1967, September 1.7

1967, August 1.7

1967, July 1.7

1967, June 1.7

1967, May 1.7

1967, April 1.7

1967, March 1.7

1967, February 1.7 6.25 %

1967, January 1.7 6.25 %

1966, December 1.7 6.25 %

1966, November 1.7 6.25 %

1966, October 1.7 6.25 %

1966, September 1.7 6.25 %

1966, August 1.7 6.25 %

1966, July 1.7 6.25 %

1966, June 1.7 6.25 %

1966, May 1.7 6.25 %

1966, April 1.7 6.25 %

1966, March 1.7 6.25 %

1966, February 1.6

1966, January 1.6

1965, December 1.6

1965, November 1.6

1965, October 1.6

1965, September 1.6

1965, August 1.6

1965, July 1.6

1965, June 1.6

1965, May 1.6

1965, April 1.6

1965, March 1.6 6.67 %

1965, February 1.6 6.67 %

1965, January 1.6 6.67 %

1964, December 1.6 6.67 %

1964, November 1.6 6.67 %

1964, October 1.6 6.67 %

1964, September 1.6 6.67 %

1964, August 1.6 6.67 %

1964, July 1.6 6.67 %

1964, June 1.6 6.67 %

1964, May 1.6 6.67 %

1964, April 1.6 6.67 %

1964, March 1.5

1964, February 1.5

1964, January 1.5

1963, December 1.5

1963, November 1.5

1963, October 1.5

1963, September 1.5

1963, August 1.5

1963, July 1.5

1963, June 1.5

1963, May 1.5

1963, April 1.5

1963, March 1.5

1963, February 1.5

1963, January 1.5

1962, December 1.5

1962, November 1.5

1962, October 1.5

1962, September 1.5

1962, August 1.5

1962, July 1.5

1962, June 1.5

1962, May 1.5

1962, April 1.5

1962, March 1.5

1962, February 1.5

1962, January 1.5

1961, December 1.5

1961, November 1.5

1961, October 1.5

1961, September 1.5

1961, August 1.5

1961, July 1.5

1961, June 1.5

1961, May 1.5

1961, April 1.5

1961, March 1.5

1961, February 1.5

1961, January 1.5

1960, December 1.5

1960, November 1.5

1960, October 1.5

1960, September 1.5

1960, August 1.5

1960, July 1.5

1960, June 1.5

1960, May 1.5

1960, April 1.5

1960, March 1.5

1960, February 1.5

1960, January 1.5