A lot has been said in recent times about the growth of Private Credit as a worldwide phenomenon. This growth stems from regulatory controls imposed on Banks in OECD countries following a series of agreements known as the Basel Accords that were entered into by each of the respective Central Banks in these [...]

In investing, as in high-performance vehicles, one number often captures the eye: for a car, it’s top speed; for an investment fund, it might be total return. At first glance, both numbers appear to showcase potential—one for speed, the other for profitability. But as they say, "the devil is in the detail." Without [...]

Australian household debt has been consistently growing over the past decade partially as a result of low to moderate interest rate settings following the GFC and increased competition in the home loan market through the availability of Private/ Non Bank Credit. The Cash Rate in Australia was reduced to 0.1% in November 2020 [...]

For many Australian families, the preparation of a household budget is accompanied by much wailing and gnashing of teeth.  Times are tough in suburbia and many are finding it challenging to make ends meet.  The so called “cost of living crisis.” However, in trying to balance the household budget, it’s important not to [...]

Recently I read a quirky little book called Don’t Swallow Your Gum.  While the title of the book gives little away, the sub-title says it all: Myths, Half Truths, And Outright Lies About Your Body and Health.  Between the covers of this entertaining tome the authors debunk a raft of medical fallacies. You [...]

Recently, I heard someone say: “You must fail quickly and cheaply in order to learn and succeed”. These words were uttered by an expert in design thinking when talking about the need to experiment with possible solutions to problems. Design thinking is an iterative process to finding solutions and requires a deep empathy [...]