Politically Incorrect

When I was a humble bank employee (around six months ago), I practiced the politically correct rules that an employee of a bank must if he is to survive in the 21st century. As politically incorrect rules didn’t exist. Whilst rules made me follow a code of...

Heads I Win Tails You Lose

I just finished reading yet another article on why rates should fall. This got me thinking about some people that come to see us full of hope and want to borrow with either almost no equity or servicing that is very close. How would they have fared if we had been...