How many people are on public hospital waiting lists? Would that wait really affect you if you fell ill? Just about every week, we see news headlines that our public health system is under pressure. Below is an excerpt from the NZ Herald on 21st October 2019: Waikato mum suffering chronic pain told she can [...]
Affordable Medical Insurance Keeping medical insurance affordable as we get older is vital to ensure we can receive fast, quality medical care when we need it. Just about every week we read about someone who needs treatment and can’t get it, and how the health system failed them. Crucial cancer drugs not being funded, hip [...]
LOWER MORTGAGE RATES What’s all the guff about Lower Mortgage Rates? You may be aware the OCR was recently reduced to an all-time low of just 1.00% which has an effect on what retail mortgage rates are available to consumers. With the latest reduction, will we see much lower mortgage rates and more flexible lending [...]
Business Insurance Business Insurance covers all types, such as Plant and Machinery, Commercial Vehicle, Asset, the list goes on. There are also risks in your business that you may have overlooked, such as your cash flow, key people, and the business expenses that you need to pay. There are also the risks you don't see. [...]
If you want to know how you can use KiwiSaver to buy your first home read on and find out what you need and how buying your first home using KiwiSaver, you have to be in KiwiSaver for at least three years before you can use KiwiSaver as a deposit or part of a deposit [...]
When it comes to Income Insurance, the fine print matters, here are a few key areas to consider when getting your Income Insurance sorted. GET AN AGREEMENT FROM OUTSET There are a few policy types but you can bring them down to three core categories which are Agreed Value, Indemnity Value and Loss of Earnings [...]
LIFE INSURANCE COMPARISON When looking for the right life cover for you, getting a life Insurance comparison between companies is a smart idea, especially when you look at the long term cost, as well as the immediate price. Price is one of the main driving factors when looking for life cover online, but there are [...]
What is the correct ACC plan for you? We are fortunate to have ACC in New Zealand, especially when it comes to being covered for accidents that are not work-related. Everyone in New Zealand is covered by ACC when injured by accident. In plain English, it does not matter what you were doing at the [...]
Deciding how much life insurance you need comes down to what are your priorities and current financial commitments. There are some basics to follow which will give you an idea of how much cover you may need. Repay All Debt You should make sure you repay all debt in the event of either spouse. In [...]
If you want to find a mortgage broker when you're looking for a home loan, then here are some tips to choosing a broker, especially if you do not have an existing working relationship with a mortgage broker already. 1. Establish Trust Firstly, you need to find a mortgage broker you can trust. If you [...]
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