Home equity

What is equity? How much equity should I have in my home or investment property? How does equity fluctuate? What does ‘negative equity’ mean and could it affect me? Strap in for answers to all the questions you never asked. What is equity? Say you own a 100sqm rusty tin shed with no ceiling in […]

Leverage

Leverage is the reason this not-so-humble smashed avo enthusiast returned just shy of 200% last financial year yet still didn’t come anywhere close to the real dollar return made by any risk-averse property investor during any single boom year period. I invest with my own capital. Given I’m a lazy, instant gratification-seeking, instagram influencing (okay this part’s […]

The good, the bad and the subprime

Debt finances the construction of mega-structures, innovation, many unnecessary wars, and the rapidly-cooling latte of this not-so-humble smashed avo enthusiast. Debt in its traditional sense is often shunned by millennials. We no longer have faith in our financial institutions. We’re no longer naive enough to believe the narrative that banks are acting in our best […]