With over 30 years of experience in the banking and home loan industry, my hope it is share what I have learnt over the years with my blogging community, inspire conversation around the subject and in the process discover unique insights into this ever changing environment.
Regina Brett, 90 years old, of Cleveland , celebrated growing older by writing down a few life lessons. In doing so she created a famous article of those things that we need to read and internalise for application in so many emotional and life circumstances. Here they are with acknowledgement of her Wisdom: Life isn’t […]
2016 has indeed been a volatile year but let’s have a look at some of our national and property data from the banks. Please prepare yourself, the economists and bankers have not been bundles of joy this year. Even the way they have described the data is often quite negative. Most of what they say […]
I know it sounds like a blog that should be written after Christmas and about the past 2016 year. But it isn’t, of course, because it isn’t Christmas yet, though I know you could have been fooled by that as Checkers lead the Charge of the Christmas Light brigade on 25 October 2016 – a […]
In our previous blogs we have looked at the challenge of close-to-Zero economic growth and raised the following actions for consideration in your business, whether you are a one-person business or a more corporate entity: Zero Part 1: 1. Complacency 2. Costs 3. Cash. Zero Part 2: 1. Income 2. Facilities 3. Staff Morale. […]
From Zero to Hero. You have heard the term; a kind of Rags to Riches phrase. It has extreme application to this blog. You see Hero as You if you function as a sole trader or commissioned estate agent or bond consultant and certainly, it has application to every business. The Business [read, if applicable: […]
If it were debt, this would be a seriously catchy title for my blog. Sorry for you, but it isn’t debt unless you are one of those very fortunate few who have been wise and able to reduce your lifestyle to zero debt; more of that later. It is the prospect for future growth in […]
So much to say really. Many years ago I was on a train in Singapore speaking to a well-known local. Discussing the phenomenal success of that tiny island, I asked him what caused it. His answer: Political Leadership. For all my studies in economics, I nearly laughed at the idea. But he was right – […]
I have a daughter who is retarded. A combination of Downes Syndrome and Autism has made her different. She is beautiful, but can be unpredictable and hardly ever talks. We love her, plain and simple. She lives for three weeks a month, in a private home in Vredenburg that cares for 52 other children [read: […]
I have a friend who uses the term: The Next Big Thing, quite often. It intrigues me as a concept. However, the Last Big Thing is what I’d like to discuss quite briefly today. In our previous blog I surmised the possibility that rates, both here and in the USA would remain the same. They […]
We’re in that time again in the business cycle, when affordability begins to come into question. So, let’s question it. I want to put the negative on the table first so we can get it off the table quickly. Depending on your measure of doom and gloom,affordability is affected by many factors that work together. […]