by Nick Rainsford | 13 Mar 2017 | General, Home loans, Investments, SMSF, Uncategorized
We see a lot in our line of work. We see people trying to eke out an honest living whilst trying to do the right thing by their kids. We see people turning up to work day in day out – even though they may hate every minute of it. We see some genuinely decent people –...
by Nick Rainsford | 6 Mar 2017 | Business, General, Home loans, Investments, Leasing, SMSF, Uncategorized
I see many on-line distributors of various products spruiking their wares digitally. As many people have come to realise if you’re selling online you better be the cheapest. Or at least cheaper than someone who offers service. In our game, it’s the same thing. You can...
by Nick Rainsford | 14 Nov 2016 | Business, Leasing, Uncategorized
We have a client, Roger Ng (not entirely his real name), who refers all of his business to us. Roger Ng was recently in the market to replace two cars and had settled on a Mercedes-Benz A250 for himself and a GLC250d as his family’s conveyance. Roger was very happy...
by Nick Rainsford | 31 Oct 2016 | General, Home loans, Investments, SMSF, Uncategorized
Not all that long ago, home loans were simple. If you wanted one, you’d walk into a branch or call your broker and you would get one. If you wanted one for investment purposes, there was no difference in price. The only real price differences between products was if...
by Nick Rainsford | 24 Oct 2016 | Business, General, Uncategorized
Over the past few decades there has been a relentless march by Australian banks to reduce costs. I used to work for three foreign banks in the 80s, 90s and naughties who used to laugh at Australian banks’ cost to income (CI) ratios – all below 50% (now in the low...
