Digital Finance Analytics (DFA) Blog

This is our weekly market update, where we start in the US, cross to Europe and Asia and end in Australia, covering commodities and crypto along the way. World markets on Friday ended another choppy week on an upbeat note as investors pushed aside growing concerns over the global trade war and bought back beaten … Continue reading "Seeking The Bottom, Choppy Waters For Markets Again!"

The latest data from APRA shows a small fall in mortgage delinquencies and a rise in offset balances. The question is, is this significant or not? http://www.martinnorth.com/ Details of our one to one service are here: https://digitalfinanceanalytics.com/blog/dfa-one-to-one/ Go to the Walk The World Universe at https://walktheworld.com.au/

The trends are clear, in many western countries around the world, home prices have been rising, and in recent years rising fast. The underlying drivers are the freeing up of mortgage markets, and lower interest rates, allowing more people to borrow more, which is why debt has been rising too. As you know I have … Continue reading "Are Investors The Reason Home Prices Are Rising Into Unaffordability?"

As expected, and covered in my earlier posts, due to poor Government Gas policy over a long period leading to a Gas cartel, Electricity bills will rise by as much as 9 per cent from July 1, the Australian Energy Regulator has declared. The Australian Energy Regulator (AER) released its draft decision “default market offer” … Continue reading "Another Bill Shock For Households!"

I caught up with sound money advocate Lynette Zang, who is the Founder and CEO of Zang Enterprises. We spoke about the value destruction rife across markets, what’s behind it, and what we can do about it. Zang, a self-described “prepper” says the current fiat monetary system is dying, we need to think differently about … Continue reading "Seeking A Value Anchor In Stormy Weather: With Lynette Zang"

The narrative has turned quite negative recently despite the first rate cut in years, thanks to cash flow pressures, the overhang of poor housing affordability, high migration and the tariff wars coming from the US. And yet, if you look closely, there might just be some signs of green shoots. But then you need to … Continue reading "Some Green Shoots Midst The Gloom?"

This is an edited version of a live discussion as I go through the latest from our household surveys to end February 2025. In this show we look in detail at the post code level data, and to examine, across income, financial stress, mortgages and rents and property price movements ahead. http://www.martinnorth.com/ Details of our … Continue reading "DFA Live Q&A HD Replay: Post Code Deep Dive: Household Finances Under The Microscope…"

This week Edwin Almeida our property insider, and I look at the rising phenomenon of “dummy bidding” at auctions, an illegal practice which is contaminating more auctions. We also discuss the real story about the supply of quality property in the Sydney market, and the basic economics of construction. And Edwin suggests a way to … Continue reading "Its Edwin’s Monday Evening Property Rant!"

We look at the latest from our surveys ahead of our live show on Tuesday 11th March, where we deep dive on post code analysis. Despite the political spin, many households are caught in a cash flow crisis, thanks to rising prices, interest rates and frozen tax bands which means that despite of some small … Continue reading "Not Pretty: Household Finances Under The Microscope…"

This is our weekly market update, where we start in the US, cross to Europe and Asia and end in Australia, covering crypto and commodities along the way. As expected, markets continue to wrestle with mega levels of uncertainty, largely driven by US President Trump as Investors are grappling with dramatic policy change around the … Continue reading "Losses Ahead: Markets Stress Into Uncertainty As Policy Arena Shifts"