by Nick Rainsford | 14 Mar 2016 | Business, General, Home loans, Investments, SMSF
“Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.” – Charles Dickens, David Copperfield If you’re a home owner, how often do you find...
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 | 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...
by Nick Rainsford | 18 Jan 2016 | Business, General, Home loans, Investments, SMSF
Markets can remain irrational longer than you can remain solvent. Markets can remain irrational longer than you can remain solvent. – John Maynard Keynes. It is a valuable lesson for the second largest economy on the planet, more specifically, it’s investors....
by Nick Rainsford | 18 Jan 2016 | Business, General, Home loans, Investments, Leasing, SMSF
In past articles I have written about how banks have been forced to become more conservative in their residential property lending. They have generally done this by reducing LVR’s tightening servicing requirements, increasing living expenses and using price as a way...
