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Debt. At various stages in life we all need to borrow money in order to buy things – houses, property, a business or a vehicle. But, not all debt is created equal!
If you do need to take on debt, make sure you know the full cost. How much are the repayments, over how long, what are the fees and charges, how much is the interest cost?
While the rest of the world struggles with Covid-19, Kiwis are fortunate to be living in a bubble and relatively isolated from events overseas. However, this may not always be the case.
If you are selling your home to move into a retirement village, don’t make the mistake of cancelling your home insurance too early.
AMP Life is now proudly owned by Resolution Life, a global life insurance group focusing on the acquisition and management of portfolios of in-force life insurance policies, such as AMP Life.
With the lifting of many restrictions and the move to Alert Level 1, our offices in the Forum are now pleased to be operating under ‘business as usual’ requirements.
No one knows when and where the next financial shock will come from – major events such as we have just experienced from Covid-19, illness or injury, redundancy or a significant change in your circumstances can happen any time.
Although there is much to celebrate as New Zealand begins its journey back down through the alert levels, there are still a number of challenges that lay ahead of us
Everything is a bit up and down at the moment, including investment markets and therefore KiwiSaver balances. Of course, the value of your KiwiSaver investments (and your KiwiSaver balance) goes up and down all the time, but the impact of Covid-19 has seen more movement than usual.
When investment markets start bouncing around, and especially when they fall, investors can often have a sense of unease or even mild panic. When this happens, it is important to maintain some discipline and ensure you stick to your investment plan.
In changes announced recently, savings in KiwiSaver default funds will soon exclude investment in fossil fuels and the default fund allocation will be a ‘balanced’ fund.
Each year, Mercer produces its Periodic Table of investment returns. which tracks 16 major asset classes and ranks how each has performed, on an annual basis, over the last 10 years. A glance at the Table quickly highlights how challenging it is to unearth patterns and predict what the years ahead may hold.
Following the Sky City hotel fire and other high profile losses, there has been a lot of discussion regarding potential liability claims for sub-contractors.
Being a stay-at-home parent is a full-time gig. As a teacher, counsellor, chef, housekeeper and more, they are contributing tens of thousands of dollars of unpaid work to your family every year.
From early November you will notice a few small changes to Core Advice. We are now a part of the Wealthpoint network, a group of like-minded financial adviser businesses spread throughout New Zealand.
Cyber attacks are becoming more frequent, and they can affect anyone. It’s not just large organisations or businesses who are affected.
According to new research from the Financial Services Council, New Zealanders who take advice from an adviser have much more confidence in their cover, compared to those who purchase insurance online.
Cheque books are expected to go the way of the moa and will be extinct within a few short years.
Following the recent gas explosion at a Northwood property in Christchurch, WorkSafe have issued some important reminders about using gas safely.
Quad bikes are a serial killer in New Zealand workplaces. Eighty-one people were killed on work quad bikes between January 2000 and October 2017. Three have died since July last year. Most fatalities and injuries are caused by roll overs.
Every now and then the question comes up of whether third party motor insurance should be made compulsory in New Zealand for all motor vehicles.
