Random Thoughts Whilst Working is a personal blog. The views, opinions, and content shared here are Michael’s own and do not represent the views, positions, or official communications of his employer or any other organisation.
Michael is not a licensed financial advisor, accountant, or solicitor, and nothing on this site should be treated as a substitute for advice from one.
General Information Only
Content on this site — including anything relating to interest rates, property markets, lending, sales, leadership, or personal finance — is provided for general informational and educational purposes only. It is not personal financial, legal, tax, or professional advice, and it does not take into account your individual circumstances, objectives, or financial situation.
Before making any financial or property decision, you should seek advice from a qualified, licensed professional who can properly assess your specific situation.
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Accuracy and Timeliness
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Errors and Omissions
While reasonable care is taken in preparing content on this site, no representation or warranty is made as to its completeness or freedom from error. If you notice a factual error, please get in touch via the Contact page so it can be corrected.
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To the extent permitted by law, no liability is accepted for any loss or damage arising from reliance on the content of this site. Use of any information here is entirely at your own discretion and risk.
This disclaimer was last updated in September 2026.
