The Bank Of Mum And Dad Goes Through The Roof!

We look at the latest DFA survey data relating to how parents are helping their kids to enter the Australian property market. The totals are growing fast, despite the risks. But there are a number of questions to be asked, and trade-offs to be considered.

Not least the relationship between BOMD and Lenders Mortgage Insurance. https://digitalfinanceanalytics.com/blog/what-you-should-know-about-lmi/

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

If you are buying your home in Sydney’s contentious market, you do not need to stand alone. This is the time you need to have Edwin from Ribbon Property Consultants standing along side you.

Buying property, is both challenging and adversarial. The vendor has a professional on their side.

Emotions run high – price discovery and price transparency are hard to find – then there is the wasted time and financial investment you make.

Edwin understands your needs. So why not engage a licensed professional to stand alongside you. With RPC you know you have: experience, knowledge, and master negotiators, looking after your best interest.

Shoot Ribbon an email on info@ribbonproperty.com.au & use promo code: DFA-WTW/MARTIN to receive your 10% DISCOUNT OFFER.

Iceland Leads The Way On Macro-Pru

Funny how a small country (which was badly hit by the GFC a decade plus ago) seems more in tune with macro-prudential and home price growth risks. Perhaps the RBA can learn something?

https://www.cb.is/publications/news/news/2021/10/06/Statement-of-the-Monetary-Policy-Committee-6-October-2021-/

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New Zealand Joins The Exclusive Cash Rate Hike Rise Club

The New Zealand Reserve Bank lifted the cash rate today. And expect more rate rises ahead. This could get eye-watering very quickly! Stagflation alert?

https://www.rbnz.govt.nz/news/2021/10/monetary-stimulus-further-reduced-official-cash-rate-raised-to-050-percent

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

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

If you are buying your home in Sydney’s contentious market, you do not need to stand alone. This is the time you need to have Edwin from Ribbon Property Consultants standing along side you.

Buying property, is both challenging and adversarial. The vendor has a professional on their side.

Emotions run high – price discovery and price transparency are hard to find – then there is the wasted time and financial investment you make.

Edwin understands your needs. So why not engage a licensed professional to stand alongside you. With RPC you know you have: experience, knowledge, and master negotiators, looking after your best interest.

Shoot Ribbon an email on info@ribbonproperty.com.au & use promo code: DFA-WTW/MARTIN to receive your 10% DISCOUNT OFFER.

APRA Bowls A Wet Lettuce

APRA has told lenders it expects they will assess new borrowers’ ability to meet their loan repayments at an interest rate that is at least 3.0 percentage points above the loan product rate. This compares to a buffer of 2.5 percentage points that is commonly used by ADIs today.

https://www.apra.gov.au/news-and-publications/apra-increases-banks%E2%80%99-loan-serviceability-expectations-to-counter-rising

We look at the announcement and consider the consequences.

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Its Edwin’s Monday Evening Property Rant!

My Monday chat with our Property Insider… Edwin Almeida.
https://www.ribbonproperty.com.au/

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Caveat Emptor! Note: this is NOT financial or property advice!!

The Meaning Behind The Numbers: The DFA Daily 4th Oct 2021

In today’s show we look at the latest new lending data (hint falling) and mortgage deferrals (up), updated employment data, Melbourne passes an unfortunate milestone, investors get twitchy, and we learn how the ultra-rich manage their affairs, to our detriment.

The latest edition of our finance and property news digest with a distinctively Australian flavour.

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

If you are buying your home in Sydney’s contentious market, you do not need to stand alone. This is the time you need to have Edwin from Ribbon Property Consultants standing along side you.

Buying property, is both challenging and adversarial. The vendor has a professional on their side.

Emotions run high – price discovery and price transparency are hard to find – then there is the wasted time and financial investment you make.

Edwin understands your needs. So why not engage a licensed professional to stand alongside you. With RPC you know you have: experience, knowledge, and master negotiators, looking after your best interest.

Shoot Ribbon an email on info@ribbonproperty.com.au & use promo code: DFA-WTW/MARTIN to receive your 10% DISCOUNT OFFER.

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

Messages To My Younger Investing Self…

This is a discussion featuring no less than three younger investors, as we explore inter-generational financial matters, learning about finance and importantly, lessons they have learnt now, which would have been great to know earlier in life.

I wanted to make this show because I often get asked to step through some of the basics of finance for less experienced folks , and this proved to be a powerful way to start that discussion. There will be some follow-up episodes in this series, covering topics such as asset allocation, and trading. Caveat Emptor! Note: this is NOT financial or property advice!!

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

The Walk The World Funds are powered by Nucleus Wealth. https://nucleuswealth.com/

After Red September: Inflation … Market Update 2nd Oct 2021

In today’s show we look at the latest from the markets, as inflation appears to be coming more entrenched, and stagflation could well be on the cards. Economic indicators in the US, China and elsewhere are at best mixed, and at worse signalling higher risks ahead, and markets remain volatile. Will we see a Red October too? – You could say the hunt is on… Despite Friday’s rally in stocks, the S&P 500 still suffered its biggest weekly slide since February.

The latest edition of our finance and property news digest with a distinctively Australian flavour.

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

The Worst Of Both Worlds: With Tarric Brooker

I am joined by Journalist Tarric Brooker for our Friday afternoon chat on economics and politics. Tarric shares his latest charts, and we discuss the big themes of the week. He can be found on Twitter @AvicCommentator.

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