1 00:00:06,000 --> 00:00:07,760 Speaker 1: Welcome to Fear and Greed Q and A, where we 2 00:00:07,800 --> 00:00:11,520 Speaker 1: ask and answer questions about business, investing, economics, politics and more. 3 00:00:11,600 --> 00:00:15,400 Speaker 1: I'm Sean Almer. The Australian housing market hit twelve trillion 4 00:00:15,560 --> 00:00:18,599 Speaker 1: dollars in value over the last week or so. The 5 00:00:18,720 --> 00:00:21,000 Speaker 1: value has doubled over the past decade, with most of 6 00:00:21,040 --> 00:00:23,120 Speaker 1: the growth in the past five years. It's a hot 7 00:00:23,160 --> 00:00:26,119 Speaker 1: market and this spring selling season has no different. Plenty 8 00:00:26,160 --> 00:00:30,040 Speaker 1: of upsizes, downsizes, investors and of course first home buyers. 9 00:00:30,600 --> 00:00:34,080 Speaker 1: So today, how do you get the best bang for 10 00:00:34,200 --> 00:00:37,479 Speaker 1: your buck on your new home loan? Annie Harrison is 11 00:00:37,560 --> 00:00:40,199 Speaker 1: the head of direct lending at Ubank, which is a 12 00:00:40,240 --> 00:00:42,600 Speaker 1: great supporter of Fear and Greed any Welcome to Fear 13 00:00:42,600 --> 00:00:44,920 Speaker 1: and Greed Q and A. Hey Sean, we're going to 14 00:00:44,920 --> 00:00:46,680 Speaker 1: do a one o one today, if that's all right. 15 00:00:48,159 --> 00:00:51,040 Speaker 1: What is a lender looking for? So let's say I 16 00:00:51,120 --> 00:00:54,080 Speaker 1: want to go and get alone. Maybe I'm a first 17 00:00:54,120 --> 00:00:56,920 Speaker 1: home buyer, Maybe I've got a family of five kids, 18 00:00:56,960 --> 00:01:00,920 Speaker 1: maybe I'm investor. Right, what is the lender? What are 19 00:01:00,920 --> 00:01:01,720 Speaker 1: you looking for? 20 00:01:03,840 --> 00:01:07,039 Speaker 2: Primarily we want to make sure you can afford alone. 21 00:01:07,200 --> 00:01:10,800 Speaker 2: That's our number one objective. So all lenders want to 22 00:01:10,800 --> 00:01:13,600 Speaker 2: make sure that if we lend money to customers that 23 00:01:13,760 --> 00:01:16,360 Speaker 2: they can still maintain the lifestyle that they want, right, 24 00:01:16,360 --> 00:01:18,840 Speaker 2: that's the number one thing. But really getting into the 25 00:01:18,920 --> 00:01:21,480 Speaker 2: nitty gritty, we really want to understand. 26 00:01:20,959 --> 00:01:24,039 Speaker 3: What you owe, what you own, how you. 27 00:01:23,920 --> 00:01:26,920 Speaker 2: Spend your money, and I suppose if I break that 28 00:01:27,040 --> 00:01:30,520 Speaker 2: down for you, we think about, Okay, what's your income, 29 00:01:30,760 --> 00:01:33,760 Speaker 2: especially is it stable, does it fluctuate? What are your 30 00:01:33,800 --> 00:01:35,960 Speaker 2: sources of your income? Have you got a side hustle, 31 00:01:36,600 --> 00:01:39,400 Speaker 2: have you got dividends coming in? You know, we want 32 00:01:39,440 --> 00:01:42,959 Speaker 2: to see that whole picture of your earnings. And then 33 00:01:42,959 --> 00:01:45,039 Speaker 2: we want to go, well, tell us about your family. 34 00:01:45,160 --> 00:01:47,160 Speaker 2: So how many kids have you got because the minute 35 00:01:47,160 --> 00:01:51,840 Speaker 2: you have a trial, that obviously is an expensive undertaking, 36 00:01:51,960 --> 00:01:55,160 Speaker 2: so that can impact how much we can lend you. Sometimes, 37 00:01:55,760 --> 00:01:58,040 Speaker 2: you know, five percent in terms of what we can 38 00:01:58,360 --> 00:01:59,200 Speaker 2: give you in the end. 39 00:01:59,280 --> 00:02:00,840 Speaker 3: So child counts. 40 00:02:01,560 --> 00:02:03,880 Speaker 2: We want to make sure understand if you do have children, 41 00:02:03,920 --> 00:02:06,280 Speaker 2: where do they go to school, what kind of school 42 00:02:06,280 --> 00:02:10,400 Speaker 2: fees are involved in that, are they at childcare? And 43 00:02:10,440 --> 00:02:12,440 Speaker 2: we have to plan for the full life of that child. 44 00:02:12,520 --> 00:02:14,640 Speaker 2: Assuming you're going to have this loan for up to 45 00:02:14,720 --> 00:02:18,480 Speaker 2: thirty years. We look at your day to day expenses, 46 00:02:18,600 --> 00:02:22,800 Speaker 2: So thinking about that, you know, all those subscriptions that 47 00:02:22,840 --> 00:02:24,840 Speaker 2: we all have, that we sometimes forget. 48 00:02:24,639 --> 00:02:26,000 Speaker 3: That we have, they all add up. 49 00:02:26,360 --> 00:02:28,440 Speaker 2: We look at if you have those buy now, pay 50 00:02:28,560 --> 00:02:32,399 Speaker 2: later schemes, they count really important to stay on top 51 00:02:32,440 --> 00:02:35,920 Speaker 2: of those, even like your basic telco. So you know, 52 00:02:35,960 --> 00:02:38,359 Speaker 2: if you've missed one of those bills, we might ask 53 00:02:38,400 --> 00:02:41,440 Speaker 2: some questions, but it's you know, it's really important that 54 00:02:42,000 --> 00:02:45,480 Speaker 2: we take into account how you've made all those repayments 55 00:02:45,480 --> 00:02:46,040 Speaker 2: over time. 56 00:02:46,200 --> 00:02:48,760 Speaker 1: So I must say, we're not my first, my first 57 00:02:48,760 --> 00:02:51,519 Speaker 1: ever home loan, and I try to trick the bank right, 58 00:02:51,919 --> 00:02:53,840 Speaker 1: not be honest, and then quickly I realize, actually that 59 00:02:53,840 --> 00:02:56,280 Speaker 1: doesn't work out because if you say this is my plus, 60 00:02:56,320 --> 00:02:58,359 Speaker 1: this is my minus, well, how how long does a 61 00:02:58,400 --> 00:03:01,920 Speaker 1: gap beer? Where's all that money gone? And being honest 62 00:03:02,240 --> 00:03:03,960 Speaker 1: actually was the best policy. 63 00:03:03,919 --> 00:03:06,920 Speaker 2: Absolutely absolutely, And I think you know, we want to 64 00:03:07,040 --> 00:03:10,400 Speaker 2: partner with our customers, right, so I say that underlying, 65 00:03:10,440 --> 00:03:12,119 Speaker 2: we don't want to put you in a bad situation. 66 00:03:12,240 --> 00:03:14,440 Speaker 2: As much as everyone goes, I want that place, but 67 00:03:14,560 --> 00:03:17,480 Speaker 2: can you afford that place? And we want to make 68 00:03:17,480 --> 00:03:19,120 Speaker 2: sure you can absolutely afford that? 69 00:03:19,400 --> 00:03:19,520 Speaker 1: Ok? 70 00:03:19,600 --> 00:03:21,880 Speaker 3: Yeah, be honest, that's the lender. 71 00:03:22,520 --> 00:03:25,560 Speaker 1: What about the opportunity I mean the products out there. 72 00:03:25,600 --> 00:03:28,640 Speaker 1: So obviously you bank's got your ten percent deposit product 73 00:03:28,720 --> 00:03:31,959 Speaker 1: at the moment, but there's also government money, so first 74 00:03:32,000 --> 00:03:36,160 Speaker 1: homeowner scheme and federal and state government at different times. 75 00:03:36,560 --> 00:03:38,200 Speaker 1: How do you get your head around all that sort 76 00:03:38,240 --> 00:03:40,760 Speaker 1: of was there's two sites to that. It's the products 77 00:03:40,800 --> 00:03:44,240 Speaker 1: from the lenders and then it's also what's available from 78 00:03:44,240 --> 00:03:44,720 Speaker 1: the government. 79 00:03:45,920 --> 00:03:47,680 Speaker 2: So to get your head around that, I think, firstly, 80 00:03:47,920 --> 00:03:50,360 Speaker 2: your best to find a good partner in finance. So 81 00:03:50,600 --> 00:03:53,320 Speaker 2: you know, you find a good lender or you find 82 00:03:53,360 --> 00:03:56,320 Speaker 2: a good broker, and you talk to them about what 83 00:03:56,360 --> 00:03:59,120 Speaker 2: your goals are, so you know where you're going. What 84 00:03:59,160 --> 00:04:00,480 Speaker 2: do you want to do? Do you want to invest? Do 85 00:04:00,480 --> 00:04:02,120 Speaker 2: you want to live in it? Do you want to 86 00:04:02,880 --> 00:04:05,760 Speaker 2: you know, look at what's what property, what area is 87 00:04:05,880 --> 00:04:07,720 Speaker 2: rising faster than the other? Do you want to fix 88 00:04:07,760 --> 00:04:10,080 Speaker 2: some do you want to have some variable? Do you 89 00:04:10,120 --> 00:04:13,000 Speaker 2: want to do interest only? There's so many options out there, 90 00:04:13,520 --> 00:04:16,440 Speaker 2: and you know, specifically for first time buyers, I think 91 00:04:16,480 --> 00:04:19,560 Speaker 2: the whole thing can be totally overwhelming. And that's why 92 00:04:19,560 --> 00:04:22,000 Speaker 2: I say up front, find a good partner in finance. 93 00:04:22,760 --> 00:04:25,720 Speaker 2: The government scheme that's currently launched is a fabulous one. 94 00:04:26,200 --> 00:04:28,839 Speaker 2: At you Bank, we can also help you because that 95 00:04:28,920 --> 00:04:32,599 Speaker 2: government scheme isn't for everybody. So we at U Bank 96 00:04:32,640 --> 00:04:35,960 Speaker 2: will offer a ten percent deposit loan. Now, if you 97 00:04:36,000 --> 00:04:39,719 Speaker 2: think about that, Traditionally there's a twenty percent deposit hurdle, 98 00:04:39,920 --> 00:04:41,800 Speaker 2: and most people think about that, and we know our 99 00:04:41,839 --> 00:04:44,719 Speaker 2: customers are saving hard trying to get this twenty percent 100 00:04:44,880 --> 00:04:49,320 Speaker 2: and it can absolutely feel unobtainable as property prices rise 101 00:04:49,400 --> 00:04:51,440 Speaker 2: every year, and we've seen that even in the last 102 00:04:51,440 --> 00:04:55,200 Speaker 2: couple of months just this, you know, the increase. You know, 103 00:04:55,320 --> 00:04:57,960 Speaker 2: the young Australians think, how the hell can I keep 104 00:04:58,040 --> 00:04:59,640 Speaker 2: up with this? How on earth am I going to 105 00:04:59,680 --> 00:05:03,200 Speaker 2: get this posits So we're offering that ten percent another 106 00:05:03,320 --> 00:05:05,680 Speaker 2: lender stuff for that as well. Let's jump in there. 107 00:05:05,760 --> 00:05:08,320 Speaker 2: Let's let's get you in the market now while you can, 108 00:05:08,680 --> 00:05:11,119 Speaker 2: and you don't have to pay lenders mortgage insurance, which 109 00:05:11,400 --> 00:05:12,960 Speaker 2: if we can talk about all the other bits that 110 00:05:13,000 --> 00:05:13,840 Speaker 2: are involved. 111 00:05:13,480 --> 00:05:14,120 Speaker 3: In a line. 112 00:05:14,320 --> 00:05:17,360 Speaker 1: I mean, so lender's mortgage insurance is as I thought, though, 113 00:05:17,400 --> 00:05:19,840 Speaker 1: you're just disproving this. If you don't have twenty percent, 114 00:05:19,960 --> 00:05:23,200 Speaker 1: then you effectively have to buy insurance to ensure that 115 00:05:23,240 --> 00:05:27,560 Speaker 1: if you don't unable to make repayments, there's an insurance 116 00:05:27,800 --> 00:05:30,240 Speaker 1: against that. And this is only the beginning. This is 117 00:05:30,240 --> 00:05:33,080 Speaker 1: only the twenty percent part of it. How do you 118 00:05:33,120 --> 00:05:36,000 Speaker 1: do the ten percent without the lenders mortgage insurance? 119 00:05:36,080 --> 00:05:41,919 Speaker 2: Yeah, it's well, lenders, we price loans based on risk. 120 00:05:42,560 --> 00:05:44,680 Speaker 2: So we look at that and we go, Suan, you 121 00:05:44,760 --> 00:05:47,440 Speaker 2: look pretty good from what we understand. We'll take that 122 00:05:47,560 --> 00:05:48,120 Speaker 2: risk on you. 123 00:05:48,800 --> 00:05:50,560 Speaker 1: And will you fool you go? 124 00:05:50,960 --> 00:05:53,040 Speaker 3: But you were on us with us, right, so right, 125 00:05:54,760 --> 00:05:56,320 Speaker 3: and so we will go. 126 00:05:56,440 --> 00:05:59,440 Speaker 2: Well, certainly in this product for this certain set of 127 00:05:59,480 --> 00:06:03,200 Speaker 2: customers fulfill the criteria, because it's not for everybody. 128 00:06:03,520 --> 00:06:05,080 Speaker 3: We will go, we'll take a chance on you. 129 00:06:05,520 --> 00:06:09,960 Speaker 2: And as you say, lender's mortgage insurance though, it's actually to. 130 00:06:09,920 --> 00:06:10,760 Speaker 3: Protect the bank. 131 00:06:11,320 --> 00:06:14,159 Speaker 2: Yes, so it's not for the customers, for the bank. 132 00:06:14,279 --> 00:06:15,520 Speaker 3: And what does that mean? 133 00:06:15,600 --> 00:06:19,440 Speaker 2: And if customer goes but it's actually if something was 134 00:06:19,480 --> 00:06:22,520 Speaker 2: to go wrong with the loan and the customer couldn't 135 00:06:22,520 --> 00:06:25,320 Speaker 2: afford it, and they had to then sell the property, 136 00:06:25,760 --> 00:06:28,640 Speaker 2: and during that time, if the price of that property 137 00:06:28,920 --> 00:06:32,760 Speaker 2: went down, the value went down, it protects the bank 138 00:06:32,920 --> 00:06:35,159 Speaker 2: in that if they had to resell that property, so 139 00:06:35,200 --> 00:06:36,359 Speaker 2: it's insurance. 140 00:06:36,160 --> 00:06:38,440 Speaker 1: The premium for the bank's insurance policy. 141 00:06:38,520 --> 00:06:39,240 Speaker 3: Yeah, that's right. 142 00:06:39,360 --> 00:06:44,880 Speaker 2: So that's traditionally what it's for our loan, our ten 143 00:06:44,880 --> 00:06:46,520 Speaker 2: percent one. We're going you know what, this is the 144 00:06:46,560 --> 00:06:48,320 Speaker 2: first time buyers. We want to help you get in. 145 00:06:48,360 --> 00:06:50,760 Speaker 2: We're going to back you in and we'll waive that 146 00:06:51,400 --> 00:06:53,599 Speaker 2: because we're going to do our checks and balances and 147 00:06:53,680 --> 00:06:55,039 Speaker 2: we're going to be with honest customers. 148 00:06:55,279 --> 00:06:57,560 Speaker 1: Okay, what about the whole I mean, we've all gone 149 00:06:57,680 --> 00:07:00,040 Speaker 1: and looked for a house and thought fantastic. You've go 150 00:07:00,120 --> 00:07:02,760 Speaker 1: on to an auction and it's way above all. Right, 151 00:07:03,040 --> 00:07:05,279 Speaker 1: let's use hometowns here. You want to buy an Orange, 152 00:07:05,279 --> 00:07:07,800 Speaker 1: but you might find yourself buying in Wellington. Listeners may 153 00:07:07,800 --> 00:07:10,240 Speaker 1: not know. And it's from Wellington. I'm from Orange, their 154 00:07:10,240 --> 00:07:12,400 Speaker 1: neighboring city, so we won't get into an argument about that. 155 00:07:12,560 --> 00:07:14,680 Speaker 1: But what if you do want to buy an Orange 156 00:07:14,840 --> 00:07:16,920 Speaker 1: and you're priced out because all of a sudden, tourism 157 00:07:17,040 --> 00:07:20,040 Speaker 1: is big in that area. Everything's really expensive. Do you 158 00:07:20,080 --> 00:07:20,440 Speaker 1: give up? 159 00:07:21,000 --> 00:07:23,680 Speaker 2: Definitely not, you know, and I guess you know there's 160 00:07:23,720 --> 00:07:25,640 Speaker 2: so much heart, you know, if you're buying it as 161 00:07:25,640 --> 00:07:28,280 Speaker 2: an owner, occupy your home there's a motion in it, 162 00:07:28,360 --> 00:07:31,200 Speaker 2: so don't give up. And that's that's the message. So 163 00:07:31,200 --> 00:07:33,840 Speaker 2: what do you do your cast the net wider? Wellington's 164 00:07:33,840 --> 00:07:36,400 Speaker 2: a great place, but there's also other great regional towns 165 00:07:36,400 --> 00:07:40,120 Speaker 2: specifically that example, and we encourage people to look at 166 00:07:40,120 --> 00:07:42,320 Speaker 2: you know, real estate dot com, DoD au, domain dot com, 167 00:07:42,320 --> 00:07:46,440 Speaker 2: DoD au, start looking at other suburbs or towns, regional 168 00:07:46,480 --> 00:07:49,600 Speaker 2: towns and find find something that's that is going to 169 00:07:49,600 --> 00:07:51,800 Speaker 2: be in budget. You can you can ask your lender 170 00:07:51,960 --> 00:07:56,360 Speaker 2: for historical sales reports in these other areas in suburbs 171 00:07:56,440 --> 00:07:58,680 Speaker 2: and you can start to get a sense of actually 172 00:07:59,040 --> 00:08:02,440 Speaker 2: how can I do this? And you know you often 173 00:08:02,480 --> 00:08:05,040 Speaker 2: hear about rent vesting as well, and that's a that's 174 00:08:05,360 --> 00:08:08,920 Speaker 2: a really good option as well for Australians. So you 175 00:08:08,960 --> 00:08:12,080 Speaker 2: know that the expression you rent where you want to live, 176 00:08:12,560 --> 00:08:15,120 Speaker 2: and you buy where you think it's going to go up, 177 00:08:15,160 --> 00:08:16,560 Speaker 2: but you probably wouldn't want to. 178 00:08:16,480 --> 00:08:16,960 Speaker 3: Live there now. 179 00:08:17,920 --> 00:08:21,120 Speaker 2: Yeah, And so then you know you're going to have 180 00:08:21,200 --> 00:08:23,720 Speaker 2: some tenants in there that are helping pay down that 181 00:08:23,880 --> 00:08:26,720 Speaker 2: loan while the equity builds and then in time you 182 00:08:26,760 --> 00:08:30,559 Speaker 2: can you know, your portfolio grows. So we don't want 183 00:08:30,680 --> 00:08:33,520 Speaker 2: young Australians to give up, you know. That's that's the 184 00:08:33,800 --> 00:08:36,800 Speaker 2: that's the real message. And young Australians know our first 185 00:08:36,800 --> 00:08:39,720 Speaker 2: home buyer now I think the recent data said they're 186 00:08:39,760 --> 00:08:42,640 Speaker 2: thirty six, you know, so at thirty six year old 187 00:08:42,640 --> 00:08:44,520 Speaker 2: is the average first home buyer in Australia. 188 00:08:44,720 --> 00:08:48,400 Speaker 3: So all of them I thought way way older. So yeah, there's. 189 00:08:48,200 --> 00:08:52,200 Speaker 1: Also lots of other stuff. Stamp duty. If you get 190 00:08:52,240 --> 00:08:54,199 Speaker 1: with the U Bank ten percent, you're not getting the 191 00:08:54,320 --> 00:08:57,920 Speaker 1: LM the lender's mortgage insurance, but you know others may 192 00:08:57,960 --> 00:09:00,960 Speaker 1: have to take out that. Then stuff like home contents insurance. 193 00:09:01,760 --> 00:09:03,400 Speaker 1: You know I always walk into a place and then 194 00:09:04,120 --> 00:09:07,240 Speaker 1: remodel it fantastic, who knows, and then twelve months in 195 00:09:07,360 --> 00:09:08,880 Speaker 1: you think how am I going to actually afford any 196 00:09:08,880 --> 00:09:10,679 Speaker 1: of them? So it's all that stuff like how do 197 00:09:10,720 --> 00:09:12,199 Speaker 1: you get your head around that stuff? 198 00:09:12,559 --> 00:09:15,600 Speaker 2: So I mean exactly right on all of that. How 199 00:09:15,600 --> 00:09:17,400 Speaker 2: do you get your head around that stuff? Don't forget 200 00:09:17,400 --> 00:09:22,640 Speaker 2: the property reports, the pest inspection reports, building inspections. 201 00:09:22,080 --> 00:09:26,440 Speaker 3: All of these fees, you know, they vendor fees. 202 00:09:26,640 --> 00:09:29,959 Speaker 2: They all add up right, so you know you might 203 00:09:30,000 --> 00:09:31,679 Speaker 2: add five to ten percent that you might have to 204 00:09:32,000 --> 00:09:34,360 Speaker 2: save for as well, so because that's outside of your 205 00:09:34,360 --> 00:09:38,280 Speaker 2: deposit really important. And not to forget that, but the 206 00:09:38,360 --> 00:09:40,920 Speaker 2: lenders have really great calculators and tools and all their 207 00:09:40,960 --> 00:09:42,880 Speaker 2: websites to help you work through all of that. So 208 00:09:43,320 --> 00:09:47,199 Speaker 2: it's being prepared, it's being across your money, your savings, 209 00:09:47,840 --> 00:09:50,440 Speaker 2: you know, like it's there's so many tools there to 210 00:09:50,480 --> 00:09:53,680 Speaker 2: help help customers. But build a relationship with a lender 211 00:09:53,720 --> 00:09:54,520 Speaker 2: and they'll look after you. 212 00:09:55,360 --> 00:09:57,760 Speaker 1: There's also these I mean you don't realize it until 213 00:09:57,760 --> 00:10:00,320 Speaker 1: you get a home and then you upside, then you 214 00:10:00,360 --> 00:10:03,439 Speaker 1: have kids and stuff. There are enormous long term benefits 215 00:10:03,480 --> 00:10:07,560 Speaker 1: in actually owning a home and not renting. And I'm 216 00:10:07,600 --> 00:10:09,920 Speaker 1: not sort of being disparaging for those who are renting. 217 00:10:10,000 --> 00:10:11,960 Speaker 1: I mean, good on them, like each to their own. 218 00:10:12,360 --> 00:10:15,520 Speaker 1: But for me personally actually owning a home and I've 219 00:10:15,520 --> 00:10:17,439 Speaker 1: probably got my first one in my late twenties or 220 00:10:17,480 --> 00:10:19,880 Speaker 1: something or other, I have never regretted it. 221 00:10:20,000 --> 00:10:24,040 Speaker 2: Yeah, I mean, you look at property value of property 222 00:10:24,080 --> 00:10:26,520 Speaker 2: in Australia, it's it's you know, it's been a pretty 223 00:10:26,520 --> 00:10:28,920 Speaker 2: sure thing, hasn't it. So I mean it's a great 224 00:10:28,920 --> 00:10:33,080 Speaker 2: way to diversify, you know, your portfolio. If you have property, 225 00:10:33,160 --> 00:10:36,320 Speaker 2: maybe some shares. I think I think that helps you 226 00:10:36,360 --> 00:10:39,080 Speaker 2: can build your well through then you know, getting an 227 00:10:39,080 --> 00:10:44,040 Speaker 2: investment property. I think, you know, it's my opinion general advice, 228 00:10:44,400 --> 00:10:46,880 Speaker 2: you know, I think I think property is a really 229 00:10:46,880 --> 00:10:48,640 Speaker 2: great thing and it's not out of reach. 230 00:10:48,880 --> 00:10:50,880 Speaker 3: It's not out of reach for young Australian. 231 00:10:51,000 --> 00:10:53,040 Speaker 1: So any thanks for talking to Fear and Greed Q 232 00:10:53,120 --> 00:10:53,280 Speaker 1: and A. 233 00:10:53,760 --> 00:10:54,520 Speaker 3: Thanks for having me. 234 00:10:54,720 --> 00:10:57,319 Speaker 1: That was Nie Harrison, head of direct Lending at ubet, 235 00:10:57,360 --> 00:10:59,640 Speaker 1: which is a great supporter of this podcast. If you've 236 00:10:59,640 --> 00:11:01,720 Speaker 1: got something you'd like to know, then send through your 237 00:11:01,840 --> 00:11:04,840 Speaker 1: question on LinkedIn, Instagram, Facebook or at Fearing Greed dot 238 00:11:04,840 --> 00:11:06,719 Speaker 1: com dot au. I'm sure and I all that this 239 00:11:07,000 --> 00:11:08,240 Speaker 1: is Fear Greed at Q and A