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.
After all the hedgehog and fox analogies, it’s time to head back to some economics. We are all aware of the devaluation of the Chinese currency by now but, if the market is anything to go by, the effect has been almost brushed off. I sense that the American decision to retain interest rates has […]
Our previous blog ” It’s time to be a fox” looked at the concept of hedgehogs and foxes. In this blog, we suggest some assertive behavior for the next period of our economic cycle. But firstly, let’s reiterate. Hedgehogs know one big thing see the world through a filter of one big idea stretch the […]
Howzit China! will certainly be on our lips after the global markets slumped this week in response to the yuan decline and other economic news. Our real good news is that some experts are questioning our SARB decision to raise interest rates in the face of a deteriorating market for consumers. So it is time […]
This blog has taken little effort but the message is so important for those of us in the home loan industry that, if you have not read it, you need to. Three reasons why: If the country is housing its people, that’s good. People don’t break what they own, generally. If the property gains in […]
Funny how things happen at the same time! In this post we will give you our Homeloan Junction Budget Tool and refer to a Moneyweb Today article. The Moneyweb post arrived just as I put the finishing touches to the HLJ Budget Tool. Serendipitous, I would say! So why the Tool? Most of us don’t have a […]
There’s a thorny issue in renting and that is when your tenant is an illegal occupant of your apartment. Let’s consider the issue in this blog. If a rental contract is breached by a tenant and, after receiving notice, he does not undertake the necessary rectifying actions in the specified time, then the landlord may […]
Economics, or The Study of Graphs or e-Comics, if you prefer. For some, as confusing as a dassie’s run, as unpredictable as the weather forecast and as boring as watching washing rotate. But for those of us who love e-Comics and follow the trends, always fascinating. Beware though, ignore it at your peril especially if […]
In this blog I was going to write about the economy. But I have decided to talk about a few aspects of motivation. One thing about the economy and the circus in parliament, is that we always need to be motivated. We who awake to a new month every month, must somehow understand what’s going […]
Houses don’t come cheap. We buy them, pay non-tax deductible interest [in the USA, residential mortgage interest is tax deductible; all part of the American dream around property ownership], maintain them and then add accessories, as I like to call them. This is the reason why Robert Kyosaki, of Rich Dad, Poor Dad fame, says […]
In previous blogs we took a look at Conveyancing and some views on the positive association between originators and banks. We have also posited some tips regarding investment properties for those who would like to invest in property. In this blog, I would like to share some of my experiences with estate agents. We have […]