Category: Financial Resilience

Financial Pressure Reports: May 2024 – 1. Overview

This is the first in a series of posts which deep dives into our latest survey results, with a focus on financial stress, which is rising further. This episode provides an overview, subsequent episodes will dive into the details of mortgage, rental, investor and financial stress.

If you want details of a particular post code, drop it in the comments below, and I will endeavour to add it to a later show.

The full 2,000 post code series is available by subscription from our Patreon channel. https://www.patreon.com/DigitalFinanceAnalytics

http://www.martinnorth.com/

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It’s Another Fine Mess… With Tarric Brooker!

Our latest Friday Afternoon chat with journalist Tarric Brooker as we look at the current data, which questions potential rate cuts, and housing trends, as demand stays strong while supply is limited.

Below the water line we examine some of the underlying assumptions behind the numbers, and how politics have changed.

Worse, the structural issues can be traced back to a series of political decisions, which were policy errors – when will they come clean?

Tarric’s charts are here: https://avidcom.substack.com/p/dfa-chart-pack-12th-april-2024 if you want to follow along.

http://www.martinnorth.com/

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DFA Live Q&A HD Replay: Complacency Before The Storm, Or The New Norm: With Tony Locantro…

This is an edited version of my latest live discussion with Tony Locantro, Investment Manager at Alto Capital as we look at the current state of the markets, and the consequences of the rapid rate hikes and rising debt. Tony has a unique way of seeing things, and his insights are always welcome!

You can ask a question live.

Home

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Mortgage Stress Hits Another High!

This is a summary of the latest from our surveys, as we track rising financial stress across the country.

ASIC’s MoneySmart has some useful tool: https://moneysmart.gov.au/
The National Debt Help Line: https://ndh.org.au/

http://www.martinnorth.com/

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We’re Back (But Its The Same Old, Same Old) With Tarric Brooker…

Journalist Tarric Brooker and I reconnected following my relocation, for the first in our series of bi-weekly afternoon chats about economics and politics. It may be a couple of months since our last, but in many ways, things are the same…

http://www.martinnorth.com/

Go to the Walk The World Universe at https://walktheworld.com.au/

DFA Live Q&A HD Replay: Household Finances Stress Scenarios Update

This is an edited version of my latest live discussion about the latest from models and post code analysis.

CONTENTS

0:00 Start
0:17 Introduction
3:10 Economics and RBA Data
18:01 DFA Stress Analysis
29:44 Mapping
39:09 Scenarios
40:00 Post Code Analysis (Q&A)
1:21:00 Getting Debt Advice Help
1:24:00 Summary And Close

Original show with chat here: https://youtu.be/YANetUOBHrg

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Is A 5% Fed Rate On The Cards?

The latest US sales data and GDPNow data signals the potential for higher rates, with some now talking about 5%, as Fed officials talk up more rises in the months ahead.

Results from retail were weaker, and some high-tech also, but markets are beginning to think about higher rates again, after the Fed continues to battle inflation. Mary Daly says a pause is off the table.

As a result, the markets had another down day.

Today’s post is brought to you by Ribbon Property Consultants.

After The Rate Hike Deluge: With Peter Marshall

Peter Marshall has been working in the Australian banking and finance industry for over 20 years and oversees Mozo’s extensive product database. He is regularly sought out for his expert commentary and analysis on banking and interest rates trends by print, radio and TV media.

https://mozo.com.au/authors/peter-marshall

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We Need To Talk About Financial Stress…

The latest results from our household surveys and modelling underscores the rising financial pressure on households, thanks to higher costs of living, rent and mortgage repayments. As a result we are passing new records, and this before the RBA hikes again.

So today we walk though the results, map the high stressed areas and look at some specific post code examples.

Go to the Walk The World Universe at https://walktheworld.com.au/