/Tag: Financial

Why is it important to use an Insurance Adviser?


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 [...]

Why is it important to use an Insurance Adviser?2018-03-15T15:25:59+13:00

An Update on Auckland Property Prices


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 [...]

An Update on Auckland Property Prices2018-03-15T15:29:37+13:00

To Make A Claim or Not To Make A Claim


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 [...]

To Make A Claim or Not To Make A Claim2017-09-05T08:36:55+13:00

Flight of A Life Time


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 [...]

Flight of A Life Time2017-09-05T08:45:58+13:00

There’s No Such Thing As A Wrong Decision


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 [...]

There’s No Such Thing As A Wrong Decision2016-03-10T02:54:27+13:00

Could you live on $374.53 per week?


When I asked someone that question today, they instantly responded with ‘Hell No’ - and I suspect you are thinking the same thing. The shocking truth about this amount is that it is what you can expect to receive today if you are single and are at retirement age... Yes, that really is it, after all the years you have worked and the contribution you have made. If you are married and both at retirement age, you could expect to receive the sum of $288.10 each. A total of $576.20 per week! So, what can you do about it? If you [...]

Could you live on $374.53 per week?2016-01-20T23:52:03+13:00

Does it pay to Break Your Fixed-Rate Loan?


What if you’re locked in to a fixed interest rate and interest rates keep dropping. Can you get out of that fixed rate? And is it worth it? Oh boy! Those interest rates have really fallen. Your neighbour just fixed his mortgage at 4.35% for one year and you’re stuck on 5.29% from earlier this year. When you fix your mortgage, you are promising to borrow money from the bank at a certain rate for a certain time. You get the benefit of knowing exactly what you will pay over that time and the bank gets a promise that you will [...]

Does it pay to Break Your Fixed-Rate Loan?2015-12-16T21:50:53+13:00

Our website is coming soon…


  In the meantime, how much importance do we put on the health and wellbeing of our business and employees? A VitalSure programme will: Help to promote physical and mental wellbeing for your employees Create a healthier workforce that can directly impact upon your bottom line Engage, inspire and empower your team Combat absenteeism and help to increase productivity      

Our website is coming soon…2017-09-05T05:02:53+13:00