Digital Finance Analytics (DFA) Blog

My latest reflections on the problems facing prospective first-time buyers, as borrowing power is shrinking faster than prices, and expenditure measures work again being able to get into the market. Some are hoping for rates cuts soon, but that I doubt, though it is possible APRA will reduce the 3% buffer for some minor relief. … Continue reading "The First Time Buyers Dilemma [Podcast]"

Things remain in interesting territory for now as leading indicators are all over the show, and many are betting against the FED which has indicated it is not ready to even consider cutting interest rates any time soon, meantime the US Treasury may have other ideas… U.S. Treasury yields a year from now are forecast … Continue reading "Bonds Are Betting Against The Fed – And The Treasury? [Podcast]"

The Bank Of Canada lifted rates by a further 25 basis points overnight, to 4.5%, and they continue QT. But they say they will hold now and pause to assess the impact of the rises. In addition, they will start to publish minutes of their discussions, and also will hold losses on their accounts, rather … Continue reading "Up To 4.5% And Then Hold Says The Bank Of Canada! [Podcast]"

This is an edited version of a live discussion with Robbie Barwick from the Australian Citizens Party. In this show we will dissect the current financial system and consider how banking can be brought into line to serve the people, not profit from them. https://citizensparty.org.au/ Go to the Walk The World Universe at https://walktheworld.com.au/

More from our property insider Edwin Almeida, as we celebrate the Year of the Rabbit. Are we revisit the cooling off period question in the context of property purchase. https://www.ribbonproperty.com.au/ http://www.martinnorth.com/ Go to the Walk The World Universe at https://walktheworld.com.au/

Journalist Tarric Brooker and I chew over a range of audience questions in our Friday session today, from property prices and monetary policy to China demographics. Thanks to all those who sent in questions. Tell us what you think of this format. https://avidcom.substack.com/p/charts-from-dfa-q-and-a-january-20th http://www.martinnorth.com/ Go to the Walk The World Universe at https://walktheworld.com.au/

The once famous household savings buffers are being exhausted fast according to latest research. Given the higher mortgage rates and inflation, more households will struggle with cash flow, even as mortgage volumes fall – refinancing apart. http://www.martinnorth.com/ Go to the Walk The World Universe at https://walktheworld.com.au/

This is a edited version of a live debate between Senator Gerard Rennick and Economist John Adams as we examine economic and monetary policy, debt, and the role of the RBA and other regulators. How can we improve the economic outcomes for Australia, and Australians? Who is to blame for high inflation and home prices? … Continue reading "DFA Live Q&A HD Replay: Senator Rennick Vs John Adams: The Ultimate Showdown"

Another outing for our Property Insider Edwin Almeida as we look at the latest numbers, trends and market movements. https://www.ribbonproperty.com.au/ http://www.martinnorth.com/ Go to the Walk The World Universe at https://walktheworld.com.au/

In this week’s market update we as always start in the US, cross to Europe, Asia and end in Australia. Markets have started to look through the recession fears it seems, banking on the Fed slowing its rake hikes, and reversing later in 2023. Yet the signals are still mixed, and earnings are clearly under … Continue reading "Seeing The Financial Wood Amongst The Trees…! [Podcast]"