Ask Alan, Blog and Articles...
Well, that was a surprise…
Should it surprise us that 100% of economists on Monday became only 70% of economists by Wednesday? I will carefully analyse what the Reserve Bank board says as well as Bill Evans. I think it is possible that with this Reserve Bank board undergoing significant change...
The end of this interest rate cycle..
It is with a reasonable degree of confidence that I can say that interest rates have peaked (Bill Evans: The Weekend Australian: Sat 29th Apr: page 30). At the start of this cycle, I suggested that you plan for a peak of 5.5% (and more recently 6% just to cover a...
An open letter to Banks on behalf of my clients.
I am always open to opportunities with new lenders for my new to bank clients. Under BID (Best Interest Duty) my obligations are clear - and they are obligations on me personally. Banks have absolutely no obligations under BID. This means that in the main -...
How best to Plan Ahead…
With the Reserve Bank likely lifting rates later today – how best to plan ahead. I asked two clients recently if they were interested in hearing why rates are being lifted – and their answer could not have been clearer … “no – we read your emails because you tell us...
The “Why” about Rates
Covid came along and no government in the world quite knew how to respond… they planned for the worst. We were all locked up. While they developed a vaccine. Which meant businesses and people lives were about to be financially destroyed. Government: Created Job Keeper...
Waiting For The Crash…
I cannot count the number of times in my 25 years of mortgage broking I have heard the “I’m waiting for the crash” reason for delaying a buying decision. First - EVERY buyer (me included) hopes for property to be “down” 5 minutes before they buy and then “up” 5...
Fortnightly…To Be or Not to Be….
Fortnightly …. To Be or Not to Be …. I can tell from the questions I am being asked that rates are starting to have an effect and people are being not only more careful with their money but also trying to create additional value. Tell me who “hasn’t” heard that paying...
2023 – Interest Rates – Let the blather begin…
Inflation was slightly higher in December than expected. Inflation kicked off with oil price shocks caused by the Russia/Ukraine conflict, so rate rises did feel a “bit unfair” to many. However, in December one of the single biggest contributors was travel and...
Christmas Comes Early
Amidst all the bad news of 2022 comes some good news at last. It is just possible that the rate of inflation in Australia has peaked (in October) earlier than predicted by economists (The Australian 1 Dec 2022: Robert Gottliebsen). (By the way – what do you call 100...
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