Digital Finance Analytics (DFA) Blog

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We discuss the latest finance and digital business news, with a distinctively Australian flavour

Martin North


    • Jun 23, 2025 LATEST EPISODE
    • daily NEW EPISODES
    • 38m AVG DURATION
    • 1,389 EPISODES


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    Latest episodes from Digital Finance Analytics (DFA) Blog

    Its Edwin’s Monday Evening Property Rant!

    Play Episode Listen Later Jun 23, 2025 70:29


    In this weeks show we uncover four pieces of good news, as well as pushing on some of the big issues of the day. Will property benefit from the current instability in the middle east? Will Governments cut red tape? Will pigs fly? http://www.martinnorth.com/ Go to the Walk The World Universe at https://walktheworld.com.au/ Find more … Continue reading "Its Edwin’s Monday Evening Property Rant!"

    Duck And Cover As US Bombs Iran!

    Play Episode Listen Later Jun 22, 2025 10:51


    Sad to say we saw a major escalation of the conflict in the middle east overnight as US President Donald Trump decided to join the Israeli attacks on Iran. Remember, this is the president who wanted to end America's “forever wars” but he has joined the Israeli attack, against the wishes of many prominent Republicans. … Continue reading "Duck And Cover As US Bombs Iran!"

    Betting On The TACO Trade, Or Bust…!

    Play Episode Listen Later Jun 21, 2025 24:33


    This is our weekly market update where we start in the US, cross to Europe and Asia and end in Australia, covering commodities and crypto along the way. Markets have clawed their way back towards record highs in recent weeks, following the early April Trump tariff experiments. The MSCI global index was flat on the … Continue reading "Betting On The TACO Trade, Or Bust…!"

    What AI Knows About Housing Affordability That Our Leaders Duck!

    Play Episode Listen Later Jun 20, 2025 17:28


    I thought I would try an experiment today, using AI to examine Australian housing affordability. So I did some research with Copilot. I started with the question of why Home Prices in Australia are so high Relative to Incomes. The reply seems remarkably on point. In summary, Australia faces one of the most acute housing … Continue reading "What AI Knows About Housing Affordability That Our Leaders Duck!"

    Watching Paint Dry Would Have Been More Fun…!

    Play Episode Listen Later Jun 19, 2025 13:22


    We got a master performance from Fed Chain Powell yesterday in saying as little as possible, while avoiding all the pitfalls and not mentioning stagflation once. The Fed confirmed on Wednesday that a targeted federal funds rate had been held at a range of 4.25% to 4.5% following its rate-setting open market committee's latest two-day … Continue reading "Watching Paint Dry Would Have Been More Fun…!"

    Kiwis Get More Good News On Housing Affordability!

    Play Episode Listen Later Jun 18, 2025 9:27


    Across the ditch, the story of home prices and affordability is completely different from Australia. So far, the Reserve Bank of New Zealand has slashed the official cash rate by 2.25%, which has lowered mortgage rates by around 2% over the past year. The good news is that falling interest rates, heavy price cuts, and … Continue reading "Kiwis Get More Good News On Housing Affordability!"

    DFA Live Q&A HD Replay: Mapping Financial Stress Across Australia

    Play Episode Listen Later Jun 17, 2025 88:58


    This is an edit of a live discussion as we explore the latest DFA modelling on financial stress across the country. We will have the post code engine on line, as well as our mapping tools. 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/ … Continue reading "DFA Live Q&A HD Replay: Mapping Financial Stress Across Australia"

    Its Edwin’s Monday Evening Property Rant!

    Play Episode Listen Later Jun 16, 2025 70:25


    This week we deep dive into the property data to debunk more claims about massive price rises, as well as call out NCB (Dummy Bidding) and other tricks of the trade. Given the emotion simmering under the surface, and being stoked by poorly written articles in some quarters, linked to the property industry, we lay … Continue reading "Its Edwin’s Monday Evening Property Rant!"

    “No Choice: But Forced To Buy Units Ahead Of Rate Cuts!”

    Play Episode Listen Later Jun 15, 2025 9:55


    Last week I discussed the weaker auction and clearance results, centred on the impact of the King's Birthday long weekend, which cut the number of auctions held by around one-third. In the end, Sydney's final auction clearance rate subsequently fell to 58.1%, the lowest result this year. But of course, this week, it's a different … Continue reading "“No Choice: But Forced To Buy Units Ahead Of Rate Cuts!”"

    At The Edge Of The Abyss, Or Just Noise?

    Play Episode Listen Later Jun 14, 2025 16:43


    This is our weekly market update. We begin in the US, move to Europe and Asia, and conclude in Australia, also covering commodities and cryptocurrency. Recent tensions in the Middle East increased oil prices, with investors turning to safe-haven assets like the dollar and gold. Oil prices rose following Iran’s response to Israel’s significant military … Continue reading "At The Edge Of The Abyss, Or Just Noise?"

    The Migration Elephant In The Room Is MIA In Yet Another Housing Crisis Report!

    Play Episode Listen Later Jun 13, 2025 11:18


    In a recent 1:1 conversation, I was asked why I keep talking about the drivers of housing affordability, when it seems those in charge default to a simplistic “its all supply” response. My simple answer was, and is, because the real story needs to be told, especially now. We just got a report from the … Continue reading "The Migration Elephant In The Room Is MIA In Yet Another Housing Crisis Report!"

    Is The AUKUS Stupidity About To Be Called Out?

    Play Episode Listen Later Jun 12, 2025 11:11


    Now we know that the Pentagon has launched a review of the AUKUS pact as the Trump administration looks to shift the burden for collective defense to allies and make sure the US has enough warships of its own. In 2021 AUKUS was the Biden-era the US$240bn agreement with Britain and Australia in which Australia … Continue reading "Is The AUKUS Stupidity About To Be Called Out?"

    The US China Trade Smoke And Mirrors…

    Play Episode Listen Later Jun 11, 2025 10:57


    I remember when I was traveling in Asia some year back, I had many people tell me about China's ability to think long term, and play for long term wins. I recalled those conversations this week, as two days of talks on trade ended in London on Tuesday. Between the US and China. They are … Continue reading "The US China Trade Smoke And Mirrors…"

    DFA Live Q&A Replay: Investing Now: Are Markets Back To Normal? With Damien Klassen

    Play Episode Listen Later Jun 10, 2025 91:16


    This is an edit of a live discussion with Head of Investments at Walk The World Funds and Nucleus Wealth, Damien Klassen as we look at the latest from the markets. Many indices are now close to all time highs again, as the trade war risks are downplayed, yet long terms bond rates remain elevated, … Continue reading "DFA Live Q&A Replay: Investing Now: Are Markets Back To Normal? With Damien Klassen"

    Its Edwin’s Monday Evening Property Rant!

    Play Episode Listen Later Jun 9, 2025 76:04


    Another dose of sense from our Property Insider Edwin Almeida, as we kick over the coals of the market, after a weaker auction session this week. Which begs the question, are markets set to run higher, or are other factors in play? Where is the new money coming from, and what will the consequences be? … Continue reading "Its Edwin’s Monday Evening Property Rant!"

    Property Lies, Distortions And Social Consequences…

    Play Episode Listen Later Jun 8, 2025 12:45


    If you look at the data on property, and specifically mortgage lending, there is something lurking in the woodshed. It is simply this. Mainstream bank lending has become the preserve of wealthier, older borrowers, with a combination of lending rules, risk aversion, climbing asset prices, and rising living costs locking younger, less wealthy Australians out … Continue reading "Property Lies, Distortions And Social Consequences…"

    Flying Blind? Markets Sway As Global Debt Bomb Looms!

    Play Episode Listen Later Jun 7, 2025 27:16


    This is our weekly market update, where we start in the US, cross to Europe and Asia and end in Australia covering commodities and crypto along the way. In the battle of the two mega egos, of Tump and Musk, which raged this week on socials, the lynch-pin was a deep question about the sustainability … Continue reading "Flying Blind? Markets Sway As Global Debt Bomb Looms!"

    Is CBA ≥ NVIDIA?

    Play Episode Listen Later Jun 6, 2025 11:41


    On Wednesday Commonwealth Bank shares hit a record $181.10, to become the first ASX-listed company to be valued at more than $300 billion. By comparison, the country's second-largest company by value, BHP, has a market capitalisation of $192 billion. The iron ore giant had been the ASX's biggest stock since it collapsed its British company, … Continue reading "Is CBA ≥ NVIDIA?"

    Is Australia At Risk Of “Jumping The Shark?”

    Play Episode Listen Later Jun 5, 2025 18:40


    The slang term “Jumping The Shark” according to the Urban Dictionary, is when something has reached its peak and begun a downhill slide to mediocrity or oblivion. It was especially applied to TV shows like the Happy Days episode where Fonzie jumps over a shark while on water-skis. This was considered to be the low … Continue reading "Is Australia At Risk Of “Jumping The Shark?”"

    Can The Property Market Python Swallow The Equity Elephant?

    Play Episode Listen Later Jun 4, 2025 24:21


    There is massive wealth tied up in Australian property, but there some important questions which follow from this, especially given the expectation of inter-generational wealth transfer ahead, Governments seeking more tax sources, and the family bank becoming even more important in family finances. This show looks at these issues, and sheets the consequences back to … Continue reading "Can The Property Market Python Swallow The Equity Elephant?"

    DFA Live Q&A Replay: Property Nightmare Ahead? With Leith van Onselen

    Play Episode Listen Later Jun 3, 2025 116:54


    This is an edit of a live discussion with Leith van Onselen, Chief Economist and Joint Founder of Macrobusiness. We dived into the latest trends across the Australian economy and delved into the expected trajectory of home prices ahead, as well as broader issues including migration and productivity. http://www.martinnorth.com/ Details of our one to one … Continue reading "DFA Live Q&A Replay: Property Nightmare Ahead? With Leith van Onselen"

    Its Edwin’s Monday Evening Property Rant!

    Play Episode Listen Later Jun 2, 2025 71:23


    In our regular show, Edwin and I unpack the latest property data and ask whether the booming headlines about more home price growth ahead tells the full story (clue: no). We also look at the latest from the Wee Chat Chatters and parse the statistics on auctions and clearance rates. And we meet the Godfathers … Continue reading "Its Edwin’s Monday Evening Property Rant!"

    Is The Financial Stress Worm Finally Turning Or Is It Eating It's Young?

    Play Episode Listen Later Jun 1, 2025 38:57


    If you believe the hype, households across Australia are experiencing waves of relief, as rates are cut, incomes rise and inflation falls. But, judging by the results from my latest surveys, this is far from true. Worse, home prices could well start taking off again, as supply does meet demand from new migrants, and other … Continue reading "Is The Financial Stress Worm Finally Turning Or Is It Eating It's Young?"

    Tariffs; The Uncertainty Gift That Keeps Giving…

    Play Episode Listen Later May 31, 2025 24:12


    This is our weekly market update, where we start in the US, cross to Europe and Asia and end in Australia, covering commodities and crypto on the way. Another chaotic week, with the tariff issues spinning into farce, even as long term bond yields claw higher, and friction with China and the US continues. Sentiments … Continue reading "Tariffs; The Uncertainty Gift That Keeps Giving…"

    The Gas Long Con Continues; For Now… At What Cost?

    Play Episode Listen Later May 30, 2025 17:54


    Australia's economic woes can be sheeted to poor Government on housing, tax non-reform and many other factors, but the mother of all problems is the costs of energy. I find in amazing that despite swimming in gas being sucked from the ground by several large multinational companies who apparently pay no tax, they sell the … Continue reading "The Gas Long Con Continues; For Now… At What Cost?"

    The Tariff Snakes And Ladders Game Takes Another Turn!

    Play Episode Listen Later May 29, 2025 8:32


    Here we go again, more uncertainly relating to Trumps Favorite policy tool, which has been thrown into turmoil after the US trade court issued a rare rebuke blocking many of the import taxes he has threatened and imposed on other countries. The US trade court is part of the nation's federal court system and was … Continue reading "The Tariff Snakes And Ladders Game Takes Another Turn!"

    Kiwis Get Another Rate Cut: But Will Home Prices Respond?

    Play Episode Listen Later May 28, 2025 12:37


    New Zealand has been on a more aggressive monetary policy path, having pushed rates high enough to create a recession, then cut them again after starting its easing cycle in August lowering the OCR by 225 points including another 25 basis points today, making the RBNZ one of the most aggressive rate cutters among its … Continue reading "Kiwis Get Another Rate Cut: But Will Home Prices Respond?"

    DFA Live Q&A Replay: What The ??? Just Happened? With Tony Locantro

    Play Episode Listen Later May 27, 2025 72:30


    This is an edited version of a live discussion with Investment Manager at Alto Capital Tony Locantro, as we explore the current financial and social landscape. 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 more at https://digitalfinanceanalytics.com/blog/ where you can subscribe to our … Continue reading "DFA Live Q&A Replay: What The ??? Just Happened? With Tony Locantro"

    Its Edwin’s Monday Evening Property Rant!

    Play Episode Listen Later May 26, 2025 67:17


    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!"

    No Cash, Crickets And A War Of Mass Distraction!

    Play Episode Listen Later May 25, 2025 7:25


    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!"

    The Markets React To The Art Of The Deal Going Full Picasso!

    Play Episode Listen Later May 24, 2025 21:48


    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!"

    Reality Versus The Statisticians: Yes You Do Have An Real Income Recession!

    Play Episode Listen Later May 23, 2025 9:29


    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!"

    Signals From The Bond Market Front Line…

    Play Episode Listen Later May 22, 2025 13:52


    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…"

    Expect The Unexpected As Uncertainty Spirals…

    Play Episode Listen Later May 21, 2025 16:27


    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…"

    DFA Live Q&A Replay: How To Get The Best From A Real Estate Agent

    Play Episode Listen Later May 20, 2025 88:07


    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"

    Its Edwin’s Monday Evening Property Rant!

    Play Episode Listen Later May 19, 2025 79:21


    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!"

    Housing Affordability Blown To Bits…

    Play Episode Listen Later May 18, 2025 16:38


    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…"

    OK, So Now Where Do Markets Go Next?

    Play Episode Listen Later May 17, 2025 21:04


    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?"

    Are They Banking On Their Own Futures; Not Yours?

    Play Episode Listen Later May 16, 2025 12:34


    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?"

    Pop Goes The Rate Cut Calls?

    Play Episode Listen Later May 15, 2025 9:13


    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?"

    An Island Of Strangers?

    Play Episode Listen Later May 14, 2025 15:13


    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?"

    DFA Live Q&A: Post Code Analysis: Households Under The Pump

    Play Episode Listen Later May 13, 2025 92:24


    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"

    Its Edwin’s Monday Evening Property Rant!

    Play Episode Listen Later May 12, 2025 78:01


    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!"

    The Missing Homes That Won't Get Built!

    Play Episode Listen Later May 11, 2025 10:14


    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!"

    Australia's Managed Decline: With Tarric Brooker

    Play Episode Listen Later May 9, 2025 79:35


    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"

    Just Don't Mention Stagflation, As Uncertainty Rises!

    Play Episode Listen Later May 8, 2025 10:58


    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!"

    Can't Spend; Won't Spend Says Households As Recession Looms…

    Play Episode Listen Later May 7, 2025 10:01


    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…"

    DFA Live Q&A HD Replay: Are The Bulls Back? Investing Now: With Damien Klassen

    Play Episode Listen Later May 6, 2025 90:03


    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"

    Its Edwin’s Monday Evening Property Rant!

    Play Episode Listen Later May 5, 2025 62:18


    This is our post-election Rant, where Edwin and I discuss the fall-out on property from the results. Prices will be driven higher in some areas, thanks to supply pressure and increasing demand, but not uniformly, as there are other important factors in play… http://www.martinnorth.com/ Go to the Walk The World Universe at https://walktheworld.com.au/ Find more … Continue reading "Its Edwin’s Monday Evening Property Rant!"

    A Bigger, More Taxed, Less Housed Australia Incoming?

    Play Episode Listen Later May 4, 2025 8:53


    So now we know, Labor is headed into a landslide result from the election, after Liberal votes fell away and the opposition leader Peter Dutton lost his seat. If the number holds through to the end of the count, it will be the highest two-party preferred vote since World War II, exceeding the 55.7 per … Continue reading "A Bigger, More Taxed, Less Housed Australia Incoming?"

    Bluster or Beef? – The “There And Back Again” Market Crash!

    Play Episode Listen Later May 3, 2025 21:38


    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. It has been another momentous week on the markets, having fallen hard in reaction to Trump's Liberation Day tariffs, but which have now clawed back most of … Continue reading "Bluster or Beef? – The “There And Back Again” Market Crash!"

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