Ready to place your bets on an interest rates lift? Conditions don't look favourable.

Track: Confidence is wet underfoot
Weather: Economic headwinds

There’s little chance of rates being lowered today – the consumer reaction would be far too cynical given the recent actions of the Big Four banks as they move their rates upwards while declaring record-breaking profits.

With successive cuts having less and less impact on the economy, we think that the change of government - along with real economic reform and the bringing-forward of large-scale infrastructure spending is probably the best way to circulate cash through the economy.

Where will we be by next Melbourne Cup?