How much of our day do we allow ourselves to be distracted? Taken off track or disturbed in that all too important task we want to complete? We are bombarded these days with so much ‘noise’ and junk every day – email, news programmes, TV, music constantly everywhere we go, Facebook and so many more distractions that deter us from our work and other activities. Somehow it seems to have taken over our lives. We see it all the time – advertisements on the TV in cafes, in the Mall, music – almost always too loud – in the shops and [...]
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Often a contentious issue with ‘having insurance’ being a need rather than a want and with banks, insurance companies and the internet all vying for your business – not to mention some supermarkets and other industries getting in on the act. This will inevitably lead to confusion, a lack of good advice and weak products. More often than not I come across potential clients who have little or no idea what kinds of insurance are available to them or how they work – and all too often who have insurance which they do not understand and their monthly direct debit being [...]
How do you get good bacteria into your body and why is it important? I am asked this question all the time –just last night someone asked me about sauerkraut and adding it to their meals. Our microbiome is vitally important in our overall health – supporting our immune system and helping our gut perform at its best all the time. Some communities of bacterial species in the gut have been associated with good health, others with any of a long list of conditions — including obesity, Type 2 diabetes, bowel disease and liver disease. Unfortunately, from the day we are [...]
As a parent I know how much we want only the very best for our children. How we protect them as much as we possibly can and would go to the ends of the earth to ensure their welfare and happiness. But... Are we being driven by what is happening around us – are we following trends and habits that may not be in our children’s best interests – is the food manufacturing industry betraying our earnest endeavours at every step of our journey? Hard questions – and even harder to answer for ourselves. I was recently at a 9 year [...]
There is a common myth that we only use, or can access, 20% of our brain (some say 10%, others say 13%). Yes, a myth. We actually use all parts of our brain as most of our brain is active at all times. Brain activity happens without us actually having to do anything. Like breathing. It just happens. Our brain works a bit like a computer hard drive. Everything we have seen, heard or done is stored away in neat little files that we don’t access at all times. I am imagining colour/date-coordinated labels here, a bit like in Stephen Kings [...]
By Rupert Gough As it turns out, up isn't the only way that the Auckland property market can go. Rupert Gough explores what is going on in the recent drop in Auckland sales prices. Recent numbers from the QV House Price Index have shown that Auckland values have dropped for the second month in a row, meaning that the average value of a house is down by 0.8% since December 2015. While 0.8% is hardly game-changing, this represents a large drop off in the gains that were previously experienced by Auckland property owners. Interestingly enough, the surrounding areas of Auckland haven’t [...]
When is an incident a claim, or when is it not a claim – that is the question... In my role as an insurance adviser, it is very common to meet people who have had an event that could lead to a claim and payout on their insurance cover – but who have never claimed as they were not sure or did not know what their cover actually provided. Having insurance is one thing – but making it work for you and actually being able to make a claim is something completely different. A number of years ago I bought an [...]
Feb 29th, a leap year day, and I was booked on a helicopter ride from the beautiful seaside village Leigh one hour north of Auckland. Leigh has been our holiday home for a long time and this year we had decided to move here permanently. Although we had been coming to the area for over 40 years there was one thing I had never done and that was to take a helicopter flight over the beautiful coastal area of Leigh Harbour and the bay of Big Omaha. It was 3:25pm in the afternoon, school was just coming out and from my [...]
I cannot claim all of this as my own – I received an email today and it spoke to me – very loudly! And started me thinking about all of those things we want to do – and think about and prevaricate about forever and just never end up making a decision on! ‘I want to lose weight’, ‘I want to get fit’, ‘I want to buy a new car’, ‘I want to move house’, ‘I want a new job’... The list is pretty much endless really. And how many of us actually follow up on the thought or idea, make [...]
By Rupert Gough Forms, forms, wonderful forms. The mortgage application isn’t the most enjoyable part of negotiating a home loan. But there are ways to make it easier, writes Rupert Gough. At Velocity, the majority of our days are spent helping our clients either move to a more suitable bank for them or finding the best bank for their new home purchase. So we deal with a fair few mortgage applications and I’d like to share my top three tips on how to make your mortgage application process much smoother. 1) Order your own credit report. It is free to order [...]