Ashley Ormond was one of Australia's first PC-equipped 'mobile lenders', starting out in the early 1980s with a financial calculator, a dual-floppy drive Compaq portable PC and a portable Epson thermal printer in his car. This was before the age of mobile phones, the internet, Windows, Excel, or even hard drives. It was back in the days when: * lenders actually analysed each borrower's ability to repay * borrowers actually had to have a job or other source of income * borrowers actually had to have proof of a savings record, proof of income, proof of assets * lenders had to actually think about how each debt would be repaid, instead of just shovelling money out the door * lenders actually retained the credit risk and retained the ownership of loans, instead of just selling them to unsuspecting bond-holders on the other side of the world. His banking and finance career included several senior executive roles at major Australian and international banking and finance groups, including running branch networks, lending operations, product development, pricing and financial control. His formal qualifications include a Bachelor and Masters in Law, a Bachelor of Arts in Economic History and a Graduate Diploma in Applied Finance and Investment. He has also lectured for the Securities Institute of Australia. Since 'retiring' at 40, he has been a director of several companies, including listed, private and not-for-profit companies and a charitable foundation. Ashley is the principal of Investing 101 Pty Ltd, a specialist investment research firm that holds an Australian Financial Services Licence. He is a sought-after speaker and commentator on financial markets and has written two best-selling books on finance: How to Give Your Kids $1 Million Each! and $1 Million for Life.