How to Choose a Financial Adviser Every now and then I will field a phone call asking if we charge a fee for our service, or whether we receive our remuneration through commissions. The person asking this is usually under the impression that a fee model means a completely unbiased approach, imagining that if commissions are in the mix a conflict of interest will impact…
Browsing CategoryEducation
When Will The High Cost of Living End?
When Will The High Cost of Living End? Last month we addressed the high costs of rent and mortgage payments, food, transport and petrol expenses we are all grappling with and made a couple of suggestions as to how to manage the expense of breathing. This month, we’ll look at what has caused these costs to rise. This in turn will help us make a…
Is a Recession a Bad Time to Invest?
Is a Recession a Bad Time to Invest? Is there light at the end of the tunnel during a recession? In the wake of Covid-19 and the responses of governments worldwide, investors have been concerned about inflation and higher interest rates. Higher interest rates make it more expensive to borrow money, reducing the amount people are willing to pay for assets, such as shares, bonds…
Handling the Cost of Living
Handling the Cost of Living It’s no secret money doesn’t grow on trees. Many New Zealanders are currently struggling to deal with the high costs of living. Food, petrol and electricity are but some of life’s essentials that have increased in cost enormously in the past couple of years. If you’re a tenant living in rented accommodation it’s likely you’ve experienced an increase in your…
Janet Is Interviewed By Nathan Barker From Connectworks
I was interviewed by Nathan Barker from Connectworks. We talked about the intersection of law, accounting and trusts. The accounting and law professions have always had to work closely together – relying on each other for various aspects of certain transactions and relationships. Despite that, they have always been seen as very ‘separate’. There are obvious reasons for this, both avenues require very different types…
The Benefits of Long-Term Investing, Compound Interest, and Dollar Cost Averaging
The Benefits of Long-Term Investing, Compound Interest, and Dollar Cost Averaging If you’re looking to grow your wealth, long-term investing is the right way and is a great option. But there are a few things you need to know to make sure you’re doing it right. Of course, all of these areas can be greatly expanded on, but this article is to give you a…
How to Improve Your Credit Score to Obtain Finance
How to Improve Your Credit Score to Obtain Finance Are you looking to obtain finance? Then you need a good credit score. Below I will outline ways how to improve your credit score. Your credit score will determine whether you are eligible for finance or how much you may be entitled to borrow. In this article, we will focus on how to improve your credit…
Benefits Of Being A Homeowner
Benefits Of Being A Homeowner Owning a home is a significant milestone for any New Zealander and it has been throughout our history and the benefits of being a homeowner are massive. Home ownership provides numerous advantages including stability, financial security, freedom, self-expression, leverage and the opportunity to build equity over time. Home ownership does come with financial responsibilities, but this does not out way…
How I Tried And Failed To Work Through While Recovering From A Lower Leg Injury
How I Tried And Failed To Work Through While Recovering From A Lower Leg Injury In August of 2022 I was being a helper at my sons rugby training. Last training session of the season, the wonderful coach wanted to have a parents vs kids touch game. Running down the middle of the pitch or as my old coach used to call it, the fat-mans…
What Is Dollar Cost Averaging
What Is Dollar Cost Averaging Dollar Cost Averaging is a simple investment approach that turns short-term volatility to the regular investor’s advantage. In effect, it shows that the reason many investors are reluctant to enter or remain in, a falling or volatile market is the very reason they should consider doing so. If you are making regular contributions into KiwiSaver for example, or a Managed…