From the Catholic Church to Leonard Cohen: why zero point zero should frighten you

The idea of nothing has an interesting history in mathematics, and there’s even a theory that the Catholic Church tried to outlaw the concept of zero because the idea of …

Impacts of the royal commission on home lending

“The chief value of trail commissions to the recipient, to put it bluntly, is that they are money for nothing.” Commissioner Kenneth Hayne, Royal Commission into Misconduct in the Banking, …

Can the Royal Commission possibly meet “community expectations”?

The final report of the Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry will have to be some kind of masterpiece to meet all of the …

Rethinking the risks and returns of misconduct

Like many Australians, I did a fair bit of travelling around the country over Christmas and New Year, which involved driving thousands of kilometres across NSW, Queensland and Tasmania. The …

Bugger married at first sight – the best TV in Australia is The Royal Commission

Bugger Married at First Sight, the best TV ever is watching the Royal Commission on the feed while you are working, or better yet, listening to it as you attack yet another data …

Consumer sentiment and mortgage stress on the rise

For the first time in five years the broad sentiment of Australians has moved from mildly negative – to mildly positive. The broad trend in predicted improving economic conditions, along …

First home buyer volume flatlines

There are more Australian first home owners in the market today as a proportion of all home buyers than there have been for more than five years. The uptick – which …

A tale of two mortgage brokers

As a property investor, I became worried about the high interest rate I was being charged on my variable-rate home loan, particularly after getting a letter in the mail notifying …

Market Turns For First Time Buyers

The four year retreat of first home buyers from market looks to have ended according to data released this week by the Australian Bureau of Statistics (ABS),  indicating that the …

Why I won’t be accessing my super early

Over the last couple of weeks, I’ve been asked on numerous occasions by friends, family and colleagues my opinion on whether allowing early access to superannuation is a good idea. …