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...
by Nick Rainsford | 17 Oct 2016 | General, Home loans, Investments, SMSF, Uncategorized
“Customers don’t know what they want until we’ve shown them.” – Steve Jobs Yes, I know the correct quote from the bible is “…they know not what they do” (Luke 23:34 or something) but I’m just using it to make a point. This is not a religious article....
by Nick Rainsford | 10 Oct 2016 | Business, General, Investments, SMSF
Robert Herrick was ahead of his time. In the poem below he’s effectively telling you to seize the day. I’m sure Mr Herrick didn’t have property developers in mind when he wrote the poem (in fact, the word Virgin in the title of the poem kind of gives away whom he had...
by Nick Rainsford | 6 Oct 2016 | General, Home loans, Investments, SMSF, Uncategorized
When I first put in place a home loan 32 years ago all I could think about was how I was going to pay it off and own my own home. The day I made the final repayment was one I’ll always remember. I was free of the bank…until we decided to upgrade but that’s another...
by Nick Rainsford | 26 Sep 2016 | Business, General, Home loans, Investments
In our travels we come across many different types of people. Some people are an open book, others…not so much. Given we have to delve into areas that are often very rarely discussed, it’s important that we get a complete financial picture of our clients. Everything....
