Digital Finance Analytics (dfa) Blog

Edwin and I discuss the latest from the property market, and the political and economic events which underpin it. Funny how politicians seem to look after their own interests, not ours, and how the spin from the property sector continues to diverge from reality on the ground. Meantime, energy prices are set to rise, even … Continue reading "Its Edwin’s Monday Evening Property Rant!"

Believe it or not, its now 12 months since the Senate Inquiry into Regional Banking released their report. You may recall that I, working with The Regional’s Dale Webster, alongside the Citizens Party and others, managed to get the Rural and Regional Affairs and Transport References Committee to look at banking in the regions, and … Continue reading "No Cash, Crickets And A War Of Mass Distraction!"

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. U.S. equities pulled back this week after a torrid rally, as investors turned their attention to tax and spending legislation poised to swell the U.S. government’s $36 … Continue reading "The Markets React To The Art Of The Deal Going Full Picasso!"

The strong message I continue to get from my household surveys is that many households feel trapped in the jaws of ever higher prices, and see a real devaluation in their effective income, which means they are going backwards. Many are working more hours and multiple jobs to try and get by. Yet the Government … Continue reading "Reality Versus The Statisticians: Yes You Do Have An Real Income Recession!"

Something important is happening in the Bond markets which will impact us all. In short, all around the world it seems, investors are more reluctant to lend to governments over long terms. Overall, bond investors are demanding more compensation to buy longer maturities — and not just for the US. Japanese and UK 30-year yields … Continue reading "Signals From The Bond Market Front Line…"

Funny how Bond markets seem to look past most of what RBA Governor Michelle Bullock said in her post Monetary Policy Committee meeting yesterday, but remember they are gamblers. As was expected, the RBA cut the cash rate by 25 basis points to 3.85 per cent in its second reduction this year, but revelations during … Continue reading "Expect The Unexpected As Uncertainty Spirals…"

This is an edited version of a live discussion as I explore the thorny question of how to get good advice, and best value from Real Estate Agents. I will be joined by insiders who will share their industry insights. Aaron Scott https://www.brightagent.com/Edwin Almeida info@ribbonproperty.com.au Details of our one to one service are here: https://digitalfinanceanalytics.com/blog/dfa-one-to-one/ … Continue reading "DFA Live Q&A Replay: How To Get The Best From A Real Estate Agent"

A mega edition tonight, as we look at the rate cut expectations and their impact on home prices, the fall out from the changes to rental rules, the $3m+ gains tax on superannuation and its implications and the latest from the Wee Chat market seekers in Melbourne. http://www.martinnorth.com/ Go to the Walk The World Universe … Continue reading "Its Edwin’s Monday Evening Property Rant!"

Which ever way you look at it, housing affordability in Australia is shot. Cotality (formerly CoreLogic) reported that the total value of Australia’s housing stock was $11.3 trillion as of April 30, 2025, with the average home worth exactly $1 million. This is a leech on the economic prosperity of Australia, and a massive misallocation … Continue reading "Housing Affordability Blown To Bits…"

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. Superficially since the start of the year, global stocks, as measured by the MSCI index are up a healthy 4.67% while the European STOXX 600 is up … Continue reading "OK, So Now Where Do Markets Go Next?"

Commonweath Bank was in the news this week, first because of its reported results, and second because of its “draconian” handling of what is called the Know Your Customer or KYC rules. CBA reported a flat cash profit of a $2.6 billion during the third quarter of the 2025 financial year pretty much in line … Continue reading "Are They Banking On Their Own Futures; Not Yours?"

Just a few days ago, markets were betting on a mega 50 basis point cut in the cash rate by the RBA next week and expecting a rate below 3% before the end of the year, anticipating at least five RBA rate cuts with a decent chance of a sixth, reflective of the worrying second … Continue reading "Pop Goes The Rate Cut Calls?"

The latest data from the ABS on Overseas Arrivals and Departures, in Australia revealed that the fall in Australian net overseas migration may have stalled and started to reverse. Of course high migration puts pressure on home prices, stoking demand for rental property as well, and also paves a path to lower wages for some, … Continue reading "An Island Of Strangers?"

This is an edit of a live discussion as I explore the latest from my surveys and modelling and deep dive on specific post codes. It included specific post code data requested by viewers. 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/ Find … Continue reading "DFA Live Q&A: Post Code Analysis: Households Under The Pump"

In this week’s show Edwin, our property insider, and I highlight recent changes in property listings, which might well signal a change in trajectory is afoot. Of course the property press are talking up the markets like never before, stoked by the hope of significant interest rate cuts. And given the fact many of our … Continue reading "Its Edwin’s Monday Evening Property Rant!"

As the dust settles on the election, with Labor back on 34.69% first preferences, a number reflective of the lat UK election too, where the party with the landslide has a narrow base of primary supporters; one figure which remains is that promise of building 1.2 million homes over five years, even if the start … Continue reading "The Missing Homes That Won’t Get Built!"

I am joined by Journalist Tarric Brooker for a post-election debrief, and a flurry of excellent charts to examine how Australia is travelling. As we will see there are some important signals, and questions arising, especially in the content of the US Tariffs. Check out Tarrics Substack here: https://www.burnouteconomics.com/p/dfa-chart-pack-9th-may-2025 His Facebook link is here: https://www.facebook.com/people/Burnout-Economics/61553967393228/ … Continue reading "Australia’s Managed Decline: With Tarric Brooker"

On Wednesday we got the latest FOMC rate decision from Jerome Powell and the FED, following their first meeting since President Donald Trump’s sweeping tariff announcements last month. He made it clear in the subsequent press conference that the US economy, based on the bulk of available data is still tracking well, and whilst the … Continue reading "Just Don’t Mention Stagflation, As Uncertainty Rises!"

We have had a slew of data recently, which tells the true sorry story about Australian Households. While the election campaign was centred on costs of living, the nature of the problem was not explored, nor were the solutions thrown out on the stump addressing the real pain which is out there. For context, the … Continue reading "Can’t Spend; Won’t Spend Says Households As Recession Looms…"

This is an edited version of a live discussion as I explore the latest market moves with Damien Klassen, Head of Investments at Nucleus Wealth and Walk The World Funds. Are the bulls back, or is a recession incoming? 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 … Continue reading "DFA Live Q&A HD Replay: Are The Bulls Back? Investing Now: With Damien Klassen"