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Public Hospital Waiting Lists

October 31st, 2019|Categories: Blog|Tags: , , , |

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 either pay $7500 for a scan or go on the waiting list. A woman who has been suffering chronic pain for more than a year has been told she'll need to wait until next month for a test that could be done within a couple [...]

Affordable Medical Insurance

October 2nd, 2019|Categories: Uncategorized|Tags: , , , |

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 or knee replacement patients waiting forever, the stories are endless, as are the crowd-funding requests! Don’t get me wrong, New Zealand has a fantastic public health system, and we’re very blessed to have it. But at some stage the ever increasing costs (new procedures, drug [...]

Lower Mortgage Rates

August 23rd, 2019|Categories: Blog, Home Loans|Tags: , , , |

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 criteria? There’s a good chance the answer is Yes! In case you don’t know what the OCR is and how it affects us, here is a quick video from the Reserve Bank of New Zealand that will explain what the OCR does. So, should you [...]

Business Insurance Cover

July 22nd, 2019|Categories: Blog|

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. You can see your business assets when you get to work, you can see your building, but you can’t see your expenses unless you are looking at your financial reports.  The point is that these risks are not so "in your face", and could cause [...]

How to use KiwiSaver to buy your first home

June 25th, 2019|Categories: Blog, Home Loans|Tags: , |

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 to buy a home. It's important to understand that if you use your KiwiSaver to buy your first home, you may also be able to get a HomeStart grant from the Government through a Welcome Home Loan. You do not have to get a Welcome [...]

Income Insurance Agreed or Indemnity?

May 20th, 2019|Categories: ACC, Blog, Income Insurance|Tags: , , |

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 but in this article, we will look at Agreed Value and Indemnity Value. Firstly, an Agreed Value policy means that you and the insurer agree to an insured amount when you take the policy out, so at claim time you will not have to prove [...]

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