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.
Read MoreWe 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.
Read More“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.
Read MoreWe 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.
Read MoreThe 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
Read MoreFor 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.
Read MoreDon’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.
Read MoreExperiencing 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.
Read MoreIn 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.
Read MoreImagine 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.
Read MoreWhat is the biggest risk of loss to your KiwiSaver, that does not get talked about?
Read MoreEveryone 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.
Read MoreDon’t panic sell your investments, if you think you have to cash out soon, get advice. This shall pass, you need to Hold Fast.
Read MoreIn short yes. But here’s the thing, where or how to invest is less important than why to invest.
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You may have noticed a drop in your KiwiSaver balance recently and been wondering what to do about it.
Read MoreBuying your first home can be daunting, there is a lot of jargon and everyone is trying to get their cut.
Preparing for what you are doing will make the process a lot easier for you.
Read MoreWe all know that cards have interest rates and its not difficult to work out the interest cost per month. If you have a $10,000 balance owing, on a 20% card, the interest cost will be $166 a month.
Read MoreThere is an article on the Herald about a new Breast cancer drug that is getting good results, but is $5000 a month for the pills.
So naturally people would like this to be covered by Pharmac so it can be done for free. This is not that easy, as Pharmac has a specific budget and every issue out there has new drugs people would love to be funded.
Read MoreA recent article in Stuff suggested that half of Kiwis surveyed had no idea what the Member Tax credits are.
This is pretty horrifying considering its been 10 years since KiwiSaver came in and it's all over the internet.
Read MoreChristmas day is 16 weeks from Monday (the 4th of September).
Now that this has horrified you, you should be wondering about what you are going to do for Christmas and the spending for it.
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