And just like that the school holidays are over. I celebrated another birthday, and the Pies won another flag - the best birthday present I could ask for, how good. My wife and I took the boys on a road trip for two weeks - up from Melbourne, through Glenrowan and Gundagai, up to Bondi and down along the coast through Narooma, Jervis Bay, Pambula, and Lakes Entrance. We had such a blast, lot's of family time in nature, our thing.

It's Saturday night as I write this post. The suitcases are packed, boys are in bed, and we're off to Bondi tomorrow morning for the school holidays - family road trip in the Tesla. This will be the longest we've travelled in the EV and I'm really looking forward to it. We did a trip to Falls Creek not that long ago and it worked like a dream. I'll be skipping next week's note as I spend time with my wife and boys.

It was 2010. Collingwood had won the AFL grand final, and a week later, I was on a flight to Las Vegas. And yes, I was still wearing my Pies guernsey. I recall walking into a bank branch in Las Vegas to be shocked with an advertisement for a 30-year fixed mortgage with a 3 handle. Who would have thought that 12 years on, that 30-year mortgage rate would hit 2.65%?

Hi guys. I'm sorry I missed last week's note. Its been a big week. I've been seeing a number of clients, and its super interesting to hear different investors' points of view. From commercial property devaluations, hard landing, soft landing, no landing, recession, credit crunch, the list goes on.

How good was this past weekend for sport? The Pies getting up against the Cats, and the Matilda's in a thriller against France - according to my 6 year old son, the penalty shoot out was "epic".

A client emailed me on Saturday night with the results of their home auction from that afternoon. They weren't the only ones pleased with the result - I was super happy for them. It's been a long-time coming, but they got there in the end, and now onto new adventures!