by Nick Rainsford | 12 Dec 2016 | Business, Financial Thymes newsletter, General, Home loans, Investments, Leasing, Uncategorized
In a conversation with a few friends a couple of weeks ago – and while we were all expressing collective dismay at the current state of banking in Australia and globally (as you do when the sticky wine is being served ahead of the cheese platter) – the topic turned to...
by Nick Rainsford | 28 Nov 2016 | Business, General, Investments, Uncategorized
…And why it will eventually become easier? Many people have bemoaned the fact that it’s very difficult to get funding these days. Especially if you’re self employed. The reasons for this are numerous and in this article we try and explore why without getting too...
by Nick Rainsford | 21 Nov 2016 | Business, General, Home loans, Investments, Leasing, SMSF, Uncategorized
When did we start using the idioms of today? You know the one’s. In this article I’ll use italics to signify some of the idiotic expressions that have replaced the core values of doing business. You read about disruption of one industry or another these days as if it...
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 | 7 Nov 2016 | Business, General, Leasing, Uncategorized
My Maserati Does 185 I lost my license and now I don’t drive. – Joe Walsh, Life’s Been Good After many, many years of outright car ownership, I’m returning to leasing. Why? Well, two reasons really. Firstly, a car (no matter how nice when new) is a depreciating...
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...
