by Nick Rainsford | 4 Oct 2015 | Business, General, Home loans, SMSF, Uncategorized
It’s amazing what you get used to. What was once abhorrent to us becomes normal. As a young idealist you may have once said that I will never work in a dead-end job. However the realities of life force most of us to compromise those hard and fast ideals and settle for...
by Nick Rainsford | 2 Aug 2015 | General, Home loans, Investments, SMSF
Let me give away the ending. Because they can and because the Government is allowing them to. The banks have silently reacted to the threat of regulatory capital restrictions (imposed by the Government) by raising interest rates on investment loans. Every investor...
by Nick Rainsford | 27 Jul 2015 | Business, General, Home loans, Investments, Leasing, SMSF
Talking to various people over the past few months has led me to the conclusion that some people over complicate their financial matters. This is unnecessary. How many lenders do you have? An example of this is the number of brokers or lenders they may use for...
by Nick Rainsford | 11 Jul 2015 | Business, General
Who cares? You should. All banks publicly declare to be customer focused and that their processes are designed to provide the customer with a better experience. They all mean what they say. They have to. The reality is somewhat different. Banks have millions of...
by Nick Rainsford | 4 Jul 2015 | Business, General, Investments, SMSF
When we go for a drivers licence we are classed according to the type of vehicle we’re trained in. Most of us would not be allowed to drive a semi-trailer without the appropriate training and licence. Each year we re-new those licences. Banks are similar in that APRA...
