Thursday, October 01, 2026

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1-11 out of 11 results.

I went 12 rounds with Mr Chemo. Came out pretty well, but some possible complications. Constant wait for the next step!

Health

Here’s my report after the end of my 12 round chemo program following cancer surgery in January. 18 different side effects came and went from time to time, plus some still present. Side effects ranged from weird to annoying with only one really painful (but didn’t last long). Post-chemo scans revealed some possible complications, so having more tests and biopsies. Constantly waiting for the next step!

Sep 23, 2026 14

Chemo Round 6 update: Game of Gloves!

HealthSocial & EnvironmentalRetirement planning

Round 6 marks the half-way point through my 12-round (12-fortnight) chemo program following cancer surgery in January. Pretty much back to normal day-to-day life by about day 6 or 7 of each round. Most of my side effects have been similar from one round to the next, but three appear to be getting progressively worse. One is the intermittent tongue muscle disfunction. Another is a gradual loss of taste. The most annoying side effect that is getting worse is the ‘peripheral neuropathy’ – nerve sensitivity / pain / damage in fingers and toes from cold temperatures and/or touching cold surfaces. It’s impossible to get through a day without accidentally touching cold surfaces and doing nerve damage.   The solution? Gloves! Here are the seven different types of gloves I use to get through a day.

May 27, 2026 6

Chemo Round 4: Getting used to the routine, still much better than expected

Health

By Round 4 I’m getting used to the routine. Now one-third of the way through my 12-fortnight chemo program following cancer surgery in January. So far, nothing debilitating. Back to normal day-to-day life by about day 6 or 7 (ie 3-4 days recovery after 3 days of chemo). Still about a dozen chemo side effects. Nothing major so far, and the mix continues to change each time. I put my chemo side effects into 5 columns: – ‘Gone’, ‘Less’, ‘Same’, ‘Worse’, ‘New’, plus a new column I have added: ‘Permanent?’, because some of the side effects are taking longer to wear off and may become permanent. Bottom line: so far, the whole cancer surgery/chemo journey has been much better than I had been expecting. Once again, a huge thank you for all the kind words of support and encouragement I have received from near and far. Very much appreciated!

Apr 27, 2026 9

Chemo Round 2: similar overall impact, but the mix of side effects is different each time. Weird!

HealthSocial & Environmental

Round 2 has been similar overall to Round 1 – ie nothing debilitating, life-changing, or permanent - and back to normal day-to-day life by about day 7 (ie 4 days recovery after 3 days of chemo). Still about a dozen side effects, but the mix is different each time! I put my chemo side effects into 5 columns: – ‘Gone’, ‘Less’, ‘Same’, ‘Worse’, and ‘New’. The ‘Worse’ and ‘New’ side effects are the ones to watch because chemo is cumulative - the body doesn’t ‘get used it’. It builds up over time, and side effects can become permanent. So far, the whole cancer surgery/chemo journey has been much better than I had been expecting. Very lucky that I have been having a pretty good run compared to many or most chemo experiences. It is still early days yet, but so far so good!

Mar 20, 2026 2

Chemo Round 1 – Much better than I had expected. So far, so good! - but it's early days yet

HealthSocial & Environmental

Round 1 of my chemo program turned out a thousand percent better than I was expecting. Seems I have been very lucky. I had a bunch of minor (and some very whacky) side effects, but none of the major problems that are common with chemo. Essentially back to feeling 100% after day seven of the cycle, and back to normal day-to-day activities. The only big changes have been with my dramatic weight changes. It’s early days yet of course, but so far so good! Round 2 starts in a couple of days (11 March) so wish me luck!

Mar 09, 2026 12

My cancer journey: First 2 months of costs – steep learning curve for me, plus some surprises

HealthRetirement planningSocial & Environmental

The two months since my positive bowel cancer scan result in December has been a wild ride – tests, scans, colonoscopy, surgery, oncology, and now prepping for chemotherapy. All of this over the Christmas-New Year break! I cannot imagine this would have been possible in any other country. Total cost for first two months was $29,000. Sounds like a lot, but I had no idea what to expect. Private health insurance covered 51% – much less than I had expected. Medicare covered 13%, so I was out of pocket $10k, or 36% of the total. Private health insurance is a lot CHEAPER than the Medicare Levy/Tax. I found at least eight different ways in which medical costs are paid - very confusing (for me anyway!) I’m lucky to live in a country with a vast array of world-class public and private health facilities and professionals.

Feb 25, 2026 33

4 out of 5 on my Cancer Surgery goals. Could have been worse, but could have been better!

Retirement planningSocial & EnvironmentalHealth

I went in for colorectal cancer surgery on 8 January after receiving a positive cancer screen a month earlier and tests/scans/colonoscopy in December. 4 out of 5 of my surgery goals were achieved, but post-surgery tests revealed the cancer was ‘Stage 3’ (‘Advanced Localised’), meaning it has progressed at ‘advanced’ levels into surrounding areas. With Stage 3 cancer, the initial surgery is not the end of the problem, but probably just the beginning of a whole new journey. It will certainly mean big changes to how I prioritise my time, energy, focus.

Jan 15, 2026 23

Six things I learned about age/dementia care costs, and how they have shaped my own plans

Investment & Wealth MgmtRetirement planningPopulation, demographics, immigrationHealth

This is a follow-up to my main story ‘10 things I learned about dementia & dementia care homes from close range’. That first story covered various aspects my experiences dealing with my mother’s dementia and dementia facilities in Sydney over the past three years. Today’s story is about the costs, how they were very different to what I expected, and how some of the lessons have shaped my own plans. 

Oct 19, 2025 20

10 things I learned about dementia & dementia care homes from close range

Retirement planningPopulation, demographics, immigrationHealthSocial & Environmental

This is a brief summary of some aspects my experiences dealing with my mother’s dementia and dementia facilities in Sydney over the past three years. Every case is different of course, so these are just my random anecdotal comments that may be of interest to others facing the prospect of parent(s) or family member(s) with, or developing, dementia. Topics I cover include - the pace and pattern of cognitive decline, the decision to ‘go in’, different types of facilities we went through, what its like inside, lessons in preparation, costs, and more.

Oct 15, 2025 14

Australia’s aging population - are age pensions, benefits, and tax breaks sustainable in future?

Retirement planningPopulation, demographics, immigrationInvestment & Wealth MgmtHealth

  Many retirees live more frugally than necessary, and die with as much Super as they had at retirement. One possible reason may be a rising fear that the current government age pension system is not sustainable and may not be there for life. Despite our aging population, Australia is probably best placed of any country in the world to maintain its government age pension system. Fears of its demise are probably over-done. However, it is probably inevitable that the age pension, and/or the generous tax-breaks and benefits that go with it, will need to be scaled back in future. Future retirees should aim for financial independence, not welfare reliance, to be safe. 

Mar 15, 2025 4

How to not run out of money in retirement - 4 big problems with life expectancy tables

HealthRetirement planningSocial & Environmental

We gotta talk about the ‘D’ word. Our ‘Demise’. (Ok, let’s face it – ‘Death’). Where are you and your family on the Survival Probability Curve? What are the prospects of you living to 100 or beyond? How will you finance it?

Jun 06, 2024 2

“Ashley’s unique fact-based analyses and insights into Australian and global markets are always worth reading. He has an incredibly deep and comprehensive store of financial markets data.”

Chris Cuffe, AO – One of Australia’s best known and most experienced investment managers – former CEO of industry giants Colonial First State, then Challenger Financial; founder and Chair of Australian Philanthropic Services, and Third Link Growth Fund; current/former chair, director and/or investment committee member of numerous funds including UniSuper, Argo Investments, Hearts and Minds Investments, Paul Ramsay Foundation, and many others.

“Ashley is one of the best writers and thinkers on financial markets in Australia. His unique analysis and research is always fact-based and insightful, not the usual uninformed market noise and waffle that infects the mainstream financial media.”

Graham Hand - Editorial Director of Morningstar Australia, including Founder/Managing Editor of FirstLinks, Australia’s leading newsletter and publishing service on wealth management, superannuation, and personal finance.

“Ashley has the rare ability to ground insightful analysis in solid data and to present it in readily understandable ways. His wry, detached style and focus on the long term is rare and willingness to share a lifetime of learning and thinking appreciated by all who come to know him.”

Toby Potter - Chair, Institute of Managed Account Professionals (‘IMAP’), the peak industry body for the discretionary managed accounts industry in Australia, representing investment managers,  advisers, Managed Account providers, and technology companies. It is the primary thought-leader for the industry in Australia, and provides training and industry events and conferences.

“What sets Ashley Owen’s analysis apart from investment banks and the financial press is his deep fact-based understanding of long-term financial data, rather than getting caught up on the daily noise over issues that may generate trades or sell newspapers today, but will be irrelevant and misleading two years from now.” 

Hugh Dive, CFA. Chief Investment Officer, Atlas Funds Management, and frequent expert commentator quoted in the AFR.

‘For many years, Ashley has been my go-to source of information and analysis on what’s going on in financial markets and why.’

“Ashley has an encyclopaedic knowledge of the markets – I call him Mr Google!”

Noel Whittaker, AM – Australia’s best-known personal finance writer, columnist, and media commentator for the past three decades. He has written more than 20 books on personal finance, his regular columns on personal finance are published in almost every major Australian newspaper, and he appears regularly on radio and TV as an expert on finance and investing.

"I read all of Ashley's research on financial and economic issues. His data resources, deep knowledge, and original analysis put him in a class of his own."

Ian Macfarlane AC - Former Governor, Reserve Bank of Australia (Australia's central bank), 1996-2006. Former Director, Woolworths, Leighton Holdings, and ANZ Bank. Also on the International Advisory Boards of Goldman Sachs (2007-2016),  the China Banking Regulatory Commission (2011-2014), and director of the Lowy Institute for International Policy (2004-2017).

“Over the past 20 years, Ashley has been an invaluable assistance to me, as a reliable source of unbelievably strong and interesting data, and many good investment ideas.” 

"The depth and quality of Ashley’s research and analysis of investment markets is the best in the business.”

Dr Don Stammer - Australia’s most respected economic writer, commentator, and speaker for the past 40 years, with a distinguished career including the Reserve Bank of Australia, Chief Economist at Deutsche Bank Australia for 21 years, chair of nine ASX companies, plus numerous non-listed and not-for-profit boards.

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The information contained in this document relates to historical, factual events and returns, and contains general commentary and observations about financial markets, asset classes, and asset allocation. This document, or any part thereof, does not, and is not intended to, constitute investment advice, or financial advice, or financial product advice, in any jurisdiction in which it is published, re-published or read. It does not recommend, encourage, or influence readers to buy, hold, sell, or deal in any financial product or security. Where securities of financial products are mentioned, it is purely for the purposes of illustration, context, and/or education, and not intended to influence anyone to buy, hold, sell, or deal in it. The information is current when written. All reasonable measures are taken to ensure its accuracy at the time of publication, but the author accepts no responsibility or liability for any errors or omissions. This document is only provided to, and intended for, holders of Australian Financial Services Licences. It should not be used or relied upon by any person or entity other than a duly licenced AFSL holder, or authorised representative thereof. The author receives no benefit, financial or otherwise, from any product provider, or product issuer, or any other firm involved directly or indirectly in the provision or services in or to financial markets or industries, whether mentioned in the report or not. Any opinions expressed by the author are his alone, and are intended for the purposes of education.