Latest Articles
Goals are only guesses
Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. The following article is
Mortgage holders breathe a sigh of relief as RBA puts cash rate on hold
Phew! The Reserve Bank of Australia (RBA) has today decided to put the official cash rate on hold. So is the end of this rate
Behavior versus everything else
Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. The following article is
Breaking out of mortgage prison: can easing serviceability buffers help?
Have you been keen to refinance but told you can’t? You’re not alone. Many Australian households are currently locked into their home loans due to
Money = Feelings
Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. The following article is
Homebuying intentions climb as Aussies untie themselves from rental crunch
Despite the soaring cost of living and successive interest rate hikes, homebuying intentions have climbed, latest data shows. So why are so many people still
Overcoming Envy
Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. The following article is
Mortgage serviceability: how to jump through the hoops
Mortgage serviceability can feel like a frustrating hurdle to clear. But it’s an important safeguard against borrowing too much, particularly in the current interest rate
Strong employment shows rates pressure far from being released
A version of this article below first appeared in SMSF Adviser Magazine and is reproduced with permission by Andrew Doherty. International activity is slowing significantly and is
“Perfect Today” < “Less Wrong Tomorrow”
Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. The following article is
RBA attempts to beat back inflation with another rate hike, up to 4.10%
Drumroll … As you have no doubt heard, the RBA has hiked the official cash rate for the 12th time since April 2022, increasing it
What’s stopping you is fear…
Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. The following article is
