givingsmall

The Benefits of Being Generous

Giving is Good It feels good to be generous and it’s even better when generosity is rewarded. In recent times, there have been a number of changes and new initiatives that have made it easier and more beneficial for ordinary people to give to others.  In 2007, a number of groups working in the charitable […]

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Rulersmall

New Rules for Financial Advisers

Financial Advisers Over the next few months, all financial advisers throughout the country will be preparing themselves for the new regulatory regime which will come into force following the introduction of the Financial Advisers Act. The purpose of this Act is ‘to promote the sound and efficient delivery of financial adviser and broking services, and […]

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Snowman

Take a Christmas Break

Planning for Christmas Keeping your debt level under control at Christmas time requires a small amount of discipline and a large amount of common sense. Here are a few tips to help keep you afloat as we lead up to the Christmas period:  Set a budget for Christmas and stick to it. Set you budget […]

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Moneyinvestment

Guaranteed Life Investments

Low Risk Investments Many investors are understandably reviewing their attitudes towards investment risk and return following the Global Financial Crisis. However, with interest rates low, it is not easy to achieve competitive, low risk, low volatility returns. Traded Endowment Policies (known as TEPs) offer these attributes, yet are not widely known or understood. A TEP […]

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Flowersmall

One of Life’s Certainties

Making a Will There is a well known saying that there are two certainties in life; death and taxes. Despite the certainty of death, many fail to plan for it by making a will. Lack of time, lack of money, and indecision about who should be the executor or the guardian of young children are […]

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Scissorsweb

What to do with your Tax Cut

Tax Cut Priorities There is a great opportunity right now for everybody in the work force to improve their financial situation. Unfortunately, the majority of people will miss out on this opportunity through not taking the right action. From 1 October, income tax rates will be cut and Government benefits will be increased. While GST […]

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Houseweb

Rent or Buy?

Rent or Buy? Property prices have fallen significantly over the last two years making houses much more affordable than they have been for some time. Despite this, buyers are still in short supply. The most logical reason for this is that buyers expect prices to either continue dropping or to at least stay flat for […]

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spring-cleaning-tools

Spring Clean Your Investments

Retirement Savings Spring is in the air and it is a good time to take a fresh look at your retirement savings plans. There have been many changes in retirement savings in recent times that mean you should review any schemes you signed up for prior to the introduction of KiwiSaver in October, 2007. At […]

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sleep

Make Money While You Sleep

Make Money If financial freedom is something that you strive for, then no doubt you’ve pondered on how to get there by creating multiple streams of income. Many people dream of being able to sleep soundly at night, knowing that money is rolling effortlessly into their bank accounts, enabling them to retire earlier, work less, […]

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newshoots

How to Rebuild your Wealth After a Recession

Rebuild your Wealth Coming out of a recession is like emerging from winter into spring. There are opportunities for new growth if you get rid of the dead wood and prepare for the new season. If you have lost your job or lost income there are four steps you should take to rebuild your wealth. […]

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McDonalds

Don’t Just Retire: Reformat!

Dont’ Retire: Reformat! The word ‘retirement’ conjures up a range of confusing or even contradictory feelings for people these days. Once upon a time, retirement was a defined day, usually marked by a birthday, after which any form of paid employment ceased immediately. A combination of factors, including the end of compulsory retirement and increased […]

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retirement village

Guide to Retirement Villages

Retirement Villages Retirement villages are a great option for people who want a degree of independence in retirement but with the added benefits that come from communal living. There can be significant differences between retirement villages in terms of facilities and costs and it pays to do your homework before signing an agreement so as […]

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