by Nick Rainsford | 29 Feb 2016 | Business, General, Investments, SMSF
We’ve all had to endure help desks or the ironically named “customer service officer” when trying to resolve an error, a fault, a bill error or some other issue. Usually, after going through a frustrating automated menu, with the repeated message beginning with the...
by Nick Rainsford | 22 Feb 2016 | Business, General, Home loans, Investments, Leasing, SMSF
Let’s say you’re looking for a home loan. Sure, you can Google home loans and you’ll be inundated with a choice of literally dozens of loans. You can walk into a branch of your bank and ask for a loan and they’ll be only too happy to help. You can ask a friend that...
by Nick Rainsford | 15 Feb 2016 | Business, General, Investments, SMSF
Our financial institutions split their organisations into various segments. Invariably, they target most of us at the lowest (retail) segment and institutions at the highest. The middle is defined as everything in between. Most banks define this middle as any...
by Nick Rainsford | 8 Feb 2016 | Business, General, Home loans, Investments, SMSF, Uncategorized
Two weeks ago Japan did something to its economy the effects of which will be felt all over the world. It dropped it’s official interest rates from zero to negative. Why? To answer that question we need to take a trip down memory lane. Kill Me Now! – Unknown...
by Nick Rainsford | 1 Feb 2016 | Business, General, Home loans, Investments, SMSF
In the main, financial markets have – over time – developed pricing mechanisms to cater for risk and service. Price is used in banking as a risk differentiator. As we saw in the recent movie “The Big Short” not all of it works well but if you compare it to other...
