Others in the real estate market tell us that, because there have benn lean times in the real estate market over the last 12 months, then it is their turn to make the money. Banks and fund managers tell us that they are the "safe haven" in these times, so invest with "them".

I would like to put these investment arenas in perspective with some historical facts so that you can better assess your own investment decisions in the future.

BANK DEPOSITS - AUSTRALIAN.

If you ask any bank manager the question, "In what area do you make your most money, as a bank?" they will all tell you "lending money" because, quite frankly, that is their "core" business.

Since the early seventies, there has been one true "credit squeeze", that was a time when institutions did not lend any money to anyone. This was June 1974. Every other real estate "down time" or "slump" since, always has had money to lend albeit the conditions to borrow were tighter than before the "slump".

In today's times, the same situation exists!