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 | 20 Feb 2017 | General, Home loans, Investments, SMSF, Uncategorized
People often ask Nick and I about how to prepare themselves and/or their kids for taking out a home loan. Obviously, everyone’s financial circumstances are different but, this week, I thought I would compile a short list of the lessons our clients have learned and...
by Nick Rainsford | 13 Feb 2017 | Business, General, Home loans, Investments, Leasing, SMSF, Uncategorized
If there’s one thing that has been constant in the financial world it’s been that of constant change. But change is not always for the better. This article explores some of the changes (good and not so good) over the past forty or so years. I arrived in Australia in...
by Nick Rainsford | 6 Feb 2017 | Business, General, Home loans, Investments, Leasing, SMSF, Uncategorized
There is a worrying trend amongst some homeowners to use their family homes (usually their most significant – if not only – asset) like a large debit card. Why borrow more? In some circumstances this is perfectly acceptable. If you have a low LVR or, better still, no...
by Nick Rainsford | 16 Jan 2017 | Business, General, Home loans, SMSF, Uncategorized
Just when you think you’d seen it all something comes out of the blue to surprise you. Then you become accustomed to surprises or shocks. You start to expect it. I moved to the house that I live in just over 10 years ago. As is usually the case when you move into an...
