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2 months ago | 
theconversation.com | Christopher Phelps |Rachel Ong ViforJ |Jack Hewton
Hint: cutting out avocado toast won’t help much. Research shows your chances of owning a home hinge on your income relative to house prices, and whether you can access the ‘bank of mum and dad’.
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Jan 16, 2024 | 
firstlinks.com.au | James Gruber |John Abernethy |Ashley Owen |Christopher Phelps
Reader: " Finding a truly independent and interesting read has been magical for me. Please keep it up and don't change!"Reader: "An island of professionalism in an ocean of shallow self-interest. Well done!"Reader: "Carry on as you are - well done. The average investor/SMSF trustee needs all the help they can get."Reader: "Great resource. Cuffelinks is STILL the one and only weekly newsletter I regularly read."Reader: "Love it, just keep doing what you are doing.
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Jan 9, 2024 | 
firstlinks.com.au | James Gruber |John Abernethy |Ashley Owen |Christopher Phelps
Ian Silk, CEO, AustralianSuper: "It has become part of my required reading: quality thinking, and (mercifully) to the point."David Goldschmidt, Chartered Accountant: "I find this a really excellent newsletter. The best I get. Keep up the good work!"Reader: "Is one of very few places an investor can go and not have product rammed down their throat. Love your work!"Jonathan Hoyle, CEO, Stanford Brown: "A fabulous publication.
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Dec 19, 2023 | 
firstlinks.com.au | James Gruber |John Abernethy |Ashley Owen |Christopher Phelps
John Egan, Egan Associates: "My heartiest congratulations. Your panel of contributors is very impressive and keep your readers fully informed."Professor Robert Deutsch: "This has got to be the best set of articles on economic and financial matters. Always something worthwhile reading in Firstlinks. Thankyou"Reader: "I subscribe to two newsletters. This is my first read of the week. Thank you.
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Dec 5, 2023 | 
firstlinks.com.au | John Abernethy |James Gruber |Ashley Owen |Christopher Phelps
Reader: " Finding a truly independent and interesting read has been magical for me. Please keep it up and don't change!"Reader: "An island of professionalism in an ocean of shallow self-interest. Well done!"Reader: "Carry on as you are - well done. The average investor/SMSF trustee needs all the help they can get."Reader: "Great resource. Cuffelinks is STILL the one and only weekly newsletter I regularly read."Reader: "Love it, just keep doing what you are doing.
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Dec 3, 2023 | 
theconversation.com | Christopher Phelps |Rachel Ong ViforJ |William Clark
As Australia’s population gets older, more people are confronted with a choice: retire where they are or seek new horizons elsewhere. Choosing to grow old in your existing home or neighbourhood is known as “ageing in place”. It enables older people to stay connected to their community and maintain familiarity with their surroundings. For many, the decision to “age in place” will be tied to their connection to the family home. But for many, secure and affordable housing is increasingly beyond reach.
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Jun 4, 2023 | 
innereastreview.com.au | Rachel Ong ViforJ |Christopher Phelps |Melek Cigdem-Bayram
With soaring house and rental prices, what are the structural problems within the global housing market? For generations, the great Australian dream of owning your own home was a given. But now Australians under 30 are the generation which has had the home ownership door slammed in their face. House prices have risen so quickly (more than 60 percent from 2015-2022) they have vastly outpaced wages growth. Even if young people can scrape together a deposit - many can't - repayments are prohibitive.
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Jun 4, 2023 | 
examiner.com.au | Rachel Ong ViforJ |Christopher Phelps |Melek Cigdem-Bayram
Expanding wealth gaps are not limited to age differences alone. As depicted in the table below, the gap favouring income-rich Australians over the income-poor doubled to 191 percent in 20 years. Similarly, the gap between urban and regional areas doubled from 46 percent to 93 percent, favouring city dwellers. Nevertheless, the disparity in housing wealth based on age remains notably larger than those based on income and geography.
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Jun 4, 2023 | 
canberratimes.com.au | Rachel Ong ViforJ |Christopher Phelps |Melek Cigdem-Bayram
Expanding wealth gaps are not limited to age differences alone. As depicted in the table below, the gap favouring income-rich Australians over the income-poor doubled to 191 percent in 20 years. Similarly, the gap between urban and regional areas doubled from 46 percent to 93 percent, favouring city dwellers. Nevertheless, the disparity in housing wealth based on age remains notably larger than those based on income and geography.
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Jun 4, 2023 | 
gleninnesexaminer.com.au | Rachel Ong ViforJ |Christopher Phelps |Melek Cigdem-Bayram
With soaring house and rental prices, what are the structural problems within the global housing market? For generations, the great Australian dream of owning your own home was a given. But now Australians under 30 are the generation which has had the home ownership door slammed in their face. House prices have risen so quickly (more than 60 percent from 2015-2022) they have vastly outpaced wages growth. Even if young people can scrape together a deposit - many can't - repayments are prohibitive.
