DUX Talk
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It is clear that to a certain extent, it depends on your up-bringing.
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.
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.
“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.
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.
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
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.
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.
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.
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.
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.
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!