In this month’s Big Picture Podcast, we step back from the headlines and look at what’s really going on beneath the surface in our economy, our property markets, and the world of wealth creation Ken Raiss and I discuss a range of topics of importance to property investors . Lenders are changing their rules. Rates…
After two challenging years of high borrowing costs and fragile confidence, 2025 opened with a long-awaited turning point: the first interest rate cut in more than four years. It was the moment homebuyers, investors, and even weary mortgage holders hoped would turn the tide. And in many ways, it did, because it was more than…
By now you’re probably used to my Monday morning inspirational quotes. They’ve become very popular with thousands of readers each week. And each time I quote one of my mentors, Jim Rohn, the readership surges – obviously I’m not the only one inspired by him. So here are some great vitamins for the mind from…
We live in an interesting world, don’t we? Particularly if you’re an investor. Every time the world’s economic woes seem to have sorted themselves out, or we think Australia’s economy is on the move again, or we think inflation is under control, a new set of challenges pops up for us as investors. If I…
For decades, Australia has taken pride in offering one of the world’s most liveable lifestyles: safe cities, high wages, generous social systems and, of course, the long-held expectation that you’d eventually retire in the comfort of your own home. It was the classic Australian promise: Work hard for 40 years, pay off the mortgage, and…
Have you noticed how the Australian property market keeps defying the pessimists? Every time someone says prices have to fall, the market seems to tap them on the shoulder and say, “Not so fast.” Well, the latest November home price report is out, and it paints a very clear picture: Australia’s housing markets are still…
Negotiating is a part of living; we do it all the time. When you walk down a crowded street, you negotiate the path you take. A couple negotiates their relationship before and during marriage. Although you may not realise what’s happening, for example, you take out the garbage tonight and I will do the dishes. …
Do you ever feel overwhelmed by all the mixed messages about property? One “expert” says the market is booming. Another predicts a crash. Interest rates, inflation, population growth – it can all feel confusing. And yet, some investors seem to consistently make money, cycle after cycle. What do they know that most don’t? They stick…
The Australian Prudential Regulation Authority (APRA) has unveiled a new cap on high debt-to-income (DTI) lending – a move designed to keep a lid on riskier borrowing as the housing market gathers price momentum, particularly in Sydney and Melbourne. From February 1, 2026, banks will be restricted to issuing no more than 20% of new…
Picture this – it’s 2045. You’re walking through a museum with your grandkids, and instead of staring at ancient artifacts or dinosaur fossils, they’re peering into glass cases displaying remote controls, petrol pumps, plastic packaging, and car keys. They’ll look up at you in disbelief and ask, “Did you really use these?” You’ll smile, remembering…