Bill Rainger

Experience

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  Headquarters Hotel

  Jan 1998 - Jun 2002

  Hotel Manager & Licensee
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  Sodexo Prestige

  Jan 2003 - Dec 2004

  Recruitment Operations Manager

  Recruitment and operation of all hospitality staff across all major events in the UK

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  Kraft Foods

  Jan 2005 - Aug 2007

  Sales Area Manager

  Kraft Foods is the second largest food company in the world with a turnover of $31 billion.Managed 10 Sales Reps in southern NSW operating in supermarket chains. Implementing national promotions and reporting compliance. Foodservice Account ManagerMaintained foodservice accounts at 120% to plan targets.

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  Hays (Accounting and Finance Division)

  Sept 2007 - Jun 2008

  Recruitment Consultant

  Recruitment Consultant for all accounting and finance roles, to commercial companies in the Sydney CBD

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  AMP

  Sept 2008 - Jan 2011

  Financial & Mortgage Advisor

  AMP is one of the largest wealth management and financial services companies in the asia pacific region with a net income of 1 billion dollars and assets under managment of $155 billion.

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  WealthPartners Financial Solutions

  Jan 2011 - now

  Borrowing or gearing your super into property must be done under very strict borrowing conditions called a 'limited recourse borrowing arrangement'.A limited recourse borrowing arrangement can only be used to purchase a single asset, for example a residential or commercial property. Before committing to a geared property investment you should assess whether the investment is consistent with the investment strategy and risk profile of the fund.Geared SMSF property risks include:Higher costs - SMSF property loans tend to be more costly than other property loans which must be factored into your investment decision.Cash flow - Loan repayments must be made from your SMSF which means your fund must always have sufficient liquidity or cash flow to meet the loan repayments.Hard to cancel - If your SMSF property loan documentation and contract is not set up correctly unwinding the arrangement may not be allowed and you may be required to sell the property, potentially causing substantial losses to the SMSF.Possible tax losses - Any tax losses from the property cannot be offset against your taxable income outside the fund.No alterations to the property - Until the SMSF property loan is paid off alterations to a property cannot be made if they change the character of the property.https://www.moneysmart.gov.au/superannuation-and-retirement/self-managed-super-fund-smsf/smsfs-and-property We can help you assess all these areas and recommend if this option is beneficial for you. Show less Answer your queries on:How a new loan will affect your CASHFLOW?How long it will TAKE you to pay of your loan and what costs you will pay (i.e. interest, stamp duty and application fees)?What STRATEGIES are available to reduce your interest costs i.e. increasing your repayments to your home loan, negative gearing for an investment property, and 'sweeping' your credit card bills with your home loan?What LENDER you should select, based on their interest rates, costs and features and benefits? Show less

  • Certified Financial Planner

    Jan 2011 - now

  • SMSF Borrowing Advisor

    Jan 2011 - now

  • Mortgage Advisor

    Jan 2011 - now