In the midst of a global pandemic, the future is unknown. Of course, we will get through it and no doubt in a few years it will become far from our minds. However, until then, the course may be a little bumpy and we still need to move forward and make decisions. Fear-based financial decisions
Given our turbulent times many people are both looking at stretching their dollars further by buying second hand and having a clean out of their stuff. I would imagine online platforms like Trade Me and Facebook Market Place have had high transactions of late. Just about every Kiwi has bought or sold something on Trade
Gosh what low interest rates we have at the moment. By far the lowest we have seen in our lifetime. Banks are run off their feet with people either buying property or refinancing and restructuring their mortgages. My mortgage advisor colleagues are saying that this is one of the busiest times they can ever recall.
What have you learnt during these challenging times? Covid-19 has had a serious impact on many people and we have been inundated with the consequences. Mostly the negative ones. It is usually more helpful to consider what positive things could come of out this, so let’s consider those: More Technology Savvy The surveys I’ve seen
When it makes sense for you personally. It can be so confusing to decide which is the best time to buy an investment property as there are many mixed messages everywhere. I’m not convinced that relying on economic forecasting will ever do more than provide a very limited guide. The only way to really establish
Getting a good education is a key area of investment that potentially delivers outstanding returns, not all of which can be readily calculated in dollar terms. It’s often our own level of education that largely dictates how much we earn, how we live, the quality and fulfillment we enjoy in our lives and the sort
A financial review is a must to ensure you are on track to achieve your goals and dreams. Just like we take our car into the garage once or twice a year to have a check-up and get a new warrant or go to the doctor, we also need to do a check up on
Outside England’s Bristol Zoo there is a parking lot for 150 cars and 8 buses. For 25 years, its parking fees were managed by a very pleasant attendant. The fees were £1.40 cars and £7 for buses. Then, one day, after 25 solid years of never missing a day off work, he just didn’t show
If Christmas is tough for you financially, cut down on gifts and consider less tangible ones, they are often the most valuable. In our busy lives we often don’t take the time to communicate how much we care about those close to us. The ideas below take no money, just a little bit of
I have three credit cards and a car loan. Is it a good financial decision to consolidate them and take out one big loan?
The answer to your question is that it depends. Consolidating all of your debts into one loan can either be a great idea saving you money and helping you get on top of your debts, or the opposite in that it costs you more money and stress. Debt consolidation is getting one loan, at a lower