Some of you will have already done your Christmas shopping, booked your flights and accommodation, or generally organised yourselves for the holidays.
To those that have, I commend you!
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As a financial adviser, I often talk about the importance of planning for the future, managing investments, and saving for retirement. But today, I want to discuss something equally crucial: your health. November is Men’s Health Awareness Month, also known as Movember, and it’s the perfect time to get caught with your pants down – metaphorically speaking – and take a good look at your health.
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We often get asked about what advice is for and its value. Advice is for many things, but it all comes down to making sense of Life’s defining moments.
It may be difficult to see how this applies so here are some ideas.
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“Without Knowledge, action is useless and knowledge without action is futile.”
― Abu Bakr
The terms financial literacy and financial capability are closely related, but have distinct meanings. These terms get thrown around all the time, but what do they actually mean? We outline the differences below and explain why you should care.
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We buy insurance to get a claim paid, not to just watch the money go out every month. What happens at claim depends on how you bought the cover.
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The biggest investment that most Kiwi’s will make in their lives is purchasing their first home.
It comes with its own set of risks as we have all seen in the falling house prices and increased interest rates over the last few years.
Most of us are happy to take those risks on, as we all want a place to call our own and something to pass on to future generations
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For many years – a mortgage “broker” has been the person you use as a go between you the client – and the bank.
Essentially a mortgage adviser does exactly the same thing – so for you the clients – the term is interchangeable.
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Don’t cancel it – choose an excess. This change can save you hundreds, even thousands of dollars.
Many people consider cancelling their medical insurance due to rising costs, unaware of their options. This concerns me because once you cancel your policy, it can be difficult to get it back.
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I often talk to people who think that because they have not started planning in the 20s, its too late now in their 30s, 40s, 50s or even 60s.
While the best time to start planning for your future is when you start work, the next best time is today, or tomorrow.
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Experiencing redundancy can feel overwhelming, but with the right approach, you can navigate through this period of uncertainty. Below is a basic guide to help manage your finances.
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In tough economic times why is it that personal insurance is the first expense that most people think is fair game to reduce the cost of or cancel completely.
I don’t disagree that insurance products are a purchase that is often made begrudgingly. What is there to show for them other than a folder full of terms and conditions and jargon most don’t understand.
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They say life begins at 40 and the best is yet to come. But what they really mean is that life is full of surprises, and starting over might be one of them. Many of us have faced tough times recently, and it's perfectly normal to feel like you're starting anew. Remember, you're not alone!
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Imagine going house hunting, finding the house you love – only to miss out on purchasing it – cos someone else gets their finance approved faster.
A pre-approval can fix that.
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What is the biggest risk of loss to your KiwiSaver, that does not get talked about?
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Everyone seems to be obsessed with Mortgage rates, they are the main topic I see around. My social media ads are bombarded with Mortgage advisers telling me now is a good time to refinance for better rates or free money and I’ve been hearing about the “trend down”, or the “expectations” of rate drops etc.
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What is the standard mortgage term?
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Don’t panic sell your investments, if you think you have to cash out soon, get advice. This shall pass, you need to Hold Fast.
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Don’t worry about your KiwiSaver or investment dropping due to Coronavirus fears, it’s cyclical and will go back up eventually. If you have time – read the following for more info on markets.
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