Ask Alan, Blog and Articles...
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...
Whatever Happened to Goldilocks?
It wasn’t long ago there was talk of the Goldilocks Economy – not too hot, not too cold. It was juuuuust right. Unemployment around 4%. Inflation around 2%. Wages growth around 2%. But as in the story – the Three Bears came home… Just who are these Three Bears at the...
The Reasons Behind and Lessons from the Past.
What caused the Reserve Bank to move away from its previously stated plans? Namely... they were not going to move until: Inflation was comfortably in the 2%-3% range.Wages growth was above 3%. The reasons that threw the Reserve Bank off course were simple: Russia...
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