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...
by Nick Rainsford | 11 Jan 2016 | Business, General, Home loans, Investments, SMSF, Uncategorized
To quote Polonius more completely than the title suggests: Neither a borrower nor a lender be For loan oft loses both itself and friend, And borrowing dulls the edge of husbandry. William Shakespeare, ca. 1598, Hamlet Act 1, Scene 3 When Hamlet was first performed in...
by Nick Rainsford | 4 Jan 2016 | General, SMSF
Happy New Year to all of our clients, referrers and followers. We hope 2016 is a good year for all of you. Last year saw us receive many enquiries by wide-eyed investors about buying property within their Self Managed Superannuation Funds (“SMSF”). After a...
