Four Rules To Buy Renovate & Rent Your Next Property We sold a few properties late last year that were renovate jobs. And as such, they represent quite an opportunity for people with a few DIY skills. One way to outperform the current slow market conditions is to consider the concept of “manufacturing” capital growth through renovations/renovate. In the current market it’s really hard to…
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Do I Need Health Insurance?
Do I Need Health Insurance? In New Zealand we are supported very well for the most part with Private care through ACC and with a very good Public system, so do I need health insurance? There are limitations to both of these; ACC is limited to accidents only and the Public system is limited to availability and to certain treatments that are covered. ACC is…
Why You Should Be Investing Into Buckets
Investing Into Buckets Go and purchase any number of books on the topic of investing, building wealth, or retirement planning, and most of the authors will speak about their version of ‘investing into buckets’. It is certainly a theme shared by most of the world’s greatest and well-known investment experts. What do we mean by ‘investing into buckets’? In this article, we will break down…
Demystifying Mortgages And Its Jargon
Demystifying Mortgages And Its Jargon This month we thought it was a good idea to get stuck into demystifying mortgages a little bit by explaining some of the jargon in our industry because there is so much of it! OCR – The Official Cash Rate, Set by the Reserve Bank. It affects the price of borrowing and savings in New Zealand and influences economic activity…
Riding The Rollercoaster of Property
Riding The Rollercoaster of Property Well, here we are at the end of another interesting year in property 2022 – and it’s been a real rollercoaster! Here is an interesting graph about NZ asset classes (as at Sept 2022). You can see that we as a nation are pretty committed to property – no wonder we call it our national sport! What surprised me is…
Have Some Reasons to Review Your Life Insurance
Have Some Reasons to Review Your Life Insurance When I first was signed up to Life insurance I was 17, I went to the National Bank for a personal loan for a tricked-out Subaru. The person approving my personal loan was adamant that I needed Life insurance to match the personal loan. By the time I needed to think about Life insurance again it was…
Socially Responsible Investing
Socially Responsible Investing What is socially responsible investing? Would you like some palm oil to go with those cluster bombs? How about a scrumptious side of pornography to go with your gambling? Then maybe finish it off with a warm glass of fossil fuels accompanied by lashings of alcohol and tobacco…. Seriously though – and this is a very serious conversation. Have you ever considered…
The Do’s and Don’t of Applying for a Home Loan
The Do’s and Don’t of Applying for a Home Loan So you have decided to apply for a home loan. Whether this is your first or second property, lenders and mainstream banks change their criteria and the way they deal with their customers. What you could do last year may not be the best option for you this year. I have created a do’s and…
Why Isn’t My Home Selling?
Why isn’t my Home Selling? Q: We put our home on the market 3 months ago (auction) and had no bids. Since then we have marketed it By Negotiation but we haven’t received one written offer. Our agent is a lovely lady but we just don’t seem to be getting anywhere. Any suggestions? Diana C. There is nothing as frustrating for a home seller as…
If Your Customer Doesn’t Have a Problem Give Them One
If Your Customer Doesn’t Have a Problem Give Them One Let’s go right back to the beginning and consider the first question you must get clear on to develop a winning plan. Who is your Target Market Customer? And more importantly; what problem can you solve or them better than anybody else? Simply put; “if your customer doesn’t have a problem give them one! …