Good Advice

First-Home buyers – thinking outside the box.

Skyrocketing property prices over the last few years have led a number of commentators to raise questions about the ongoing viability of the kiwi home ownership dream. This impacts particularly on younger demographic who are struggle to raise the eye-watering $150,000 to $200,000 for a 20% deposit on what is now considered entry level in many parts of Auckland. And once they have managed to pull together a deposit, mortgage repayments consume a significant proportion of their earnings going forward. However, the dream of owning a property (or at least getting on to the property ladder) is leading to...

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Some Perspective on Investing Advice

How should I invest the money I’ve just received? A Saturday night question over a few drinks with an expection of some meaningful guidance from an investment adviser ignores a number of important considerations. Here we take a look at some of the factors which go into providing investment advice.

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Life Insurance Advice – who needs it?

You take out life cover. You die. Your family receives a lump sum payment. Pretty basic really. So, who really needs life insurance advice? Well, it may not be as simple as you think… Life insurance is pretty straightforward, isn’t it? For all practical intents and purposes, it’s a commodity in which price is the key factor. You die, your family receives a lump sum payment. Pretty basic really. That’s exactly what I thought when I first took out life cover after the birth of my first child 12 years ago. I didn’t seek life insurance advice… I asked the...

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Applying for a mortgage: 5 key factors you need to know

When a bank assesses your mortgage application there are 5 key factors they look for. Combined these factors add up to an overall assessment of your ability to take on and service the debt and the risk that the lender would be taking on.  Having an understanding of these factors can help you when applying for your next mortgage (or top-up) Credit History. The bank here is looking for evidence of a good track record when it comes to taking on debt. You can get a copy of your own credit report (which is what the banks see) from...

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Choosing an Insurance Adviser

Insurance advisers are insurance experts, or guides, who know how to combine various types of insurance so your cover meets your needs. They guide you so that you can keep payments at a minimum, while getting the best payout possible if you ever have to claim. Here is a guide to identifying someone who can assist you.

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