by Nick Rainsford | 30 Apr 2018 | Business, General, Home loans, SMSF
I caught up with a couple of old friends recently whom I was quite fond of and whom I hadn’t seen for around twenty years. I’ve been doing that a lot recently. When we met it was as if we’d seen each other yesterday. The conversation flowed as it...
by Nick Rainsford | 20 Mar 2017 | Business, General, Home loans, Investments, Leasing, SMSF, Uncategorized
This is a question that is asked of us by every client. The answer – as of this moment – they already have. In case you’ve been incommunicado two of our major banks announced increases to their interest rates during the week. There is now acceptance the other two will...
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 | 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...
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...
