Home Loans and the Regulator

Home Loans and the Regulator

If you’ve been following what’s been going on in home loan land in the past two years you may have realised that the unprecedented intervention by the banking regulator, APRA, has had a profound effect on the affordability of a home loan. These effects cut both ways...
Destroying A Brand

Destroying A Brand

There are some brands that mean something to consumers. Indeed, much to the joy of their marketing teams, their brand names have passed into our daily lexicon to signify a particular function or quality unique to their products or services. My mother, for example,...
Things Just Happen

Things Just Happen

I think it was Woody Allen who said that 80% of life is just showing up. Some of us are blessed in that we’re the type of people that things just happen to. Sometimes, these are bad things but mostly – especially since 10 June 1970 (the day I arrived in Australia)...