Life Insurance Comparison

April 20th, 2019|Categories: Blog, Life Insurance|Tags: , |

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 a couple of other factors to consider when getting a life insurance comparison. LONGER TERM COST  How much is your cover going to cost you over the long term? As for accumulative premium projections over a ten year and 20 year period, as well as [...]

ACC – What is the correct plan for you?

March 20th, 2019|Categories: ACC, Blog|Tags: |

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 time you were injured, whether you're playing golf of at work you're covered. It does not matter who was at fault. ACC will cover you, as long your injury falls within New Zealand Law. Which ACC Plan is right for you? There are a few [...]

Life Insurance how much do I need?

February 17th, 2019|Categories: Blog, Life Insurance|

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 most cases, the surviving spouse will struggle financially and will not be able to meet joint financial commitments, especially if the household has lost an income. If you think your spouse will be fine and you don't need any Life Insurance, try living on the [...]

Find a Mortgage Broker

January 20th, 2019|Categories: Blog, Home Loans|

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 don't already use a broker, ask around, ask people you know who have used a broker before, and get a recommendation. Getting a recommendation from someone you know is one of the best "trust" measurement tools you can use, after all, you wouldn't recommend anyone [...]

You know you can get FREE MONEY right?

June 19th, 2018|Categories: Financial Planning, Money|Tags: , , |

Everyone knows about their annual entitlement to free money, right? Well... Apparently not.According to a study done in August 2017, there was $300,000,000 in unclaimed KiwiSaver Member Tax Credits. That’s THREE HUNDRED MILLION dollars of taxpayer money. Ok. So just in case you’re one of the one million plus Kiwis who don’t know what I’m on about, the Member Tax Credit is the free $521 Government Contribution to that is deposited to your KiwiSaver fund, provided that you’ve contributed at least $1,043.And this doesn’t just apply to this year, people. You can get this free money EVERY YEAR, provided you [...]

Is the lowest interest rate really the best option?

June 10th, 2018|Categories: Financial Planning, Financial Projections, Strategic Planning|

Right, we’re going to talk interest rates.Super boring I know, but stick with me - this is actually important. If you don’t have a mortgage - or don’t intend to ever have one - you can stop reading now. How’s this for a scenario:Bank Manager: Hi Mr & Mrs Customer, here are the interest rates we have available for you… (banker presents a list of rates). How long would you like to fix your loan for?Customer: Hmm, which one should we take?Bank Manager: Well, we have a special on our two-year rate of 4.19% at the moment, that’s the lowest.Customer: [...]

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