Blog

Here’s what you need to know about banks’ secret mortgage test rate

OPINION: Convincing a bank to give you a mortgage to buy a house is complex enough in normal times. Sometimes the hoops you have to jump through to satisfy their criteria seem endless: get a builder’s report, a valuation, a LIM, a list iof income and expenses, proof of employment, credit history, accessing KiwiSaver, perhaps even..Read More

Facebooktwittergoogle_plusredditpinterestlinkedinmailFacebooktwittergoogle_plusredditpinterestlinkedinmail

What small business owners should look for in a mortgage adviser

OPINION: Make no mistake, the first half of 2020 has been an unprecedented, wild ride. A lot of New Zealand small business owners have been impacted by financial hardships, loss of income and an overall feeling of uncertainty due to Covid-19. These financial difficulties can make it challenging for them to successfully secure a mortgage from..Read More

Facebooktwittergoogle_plusredditpinterestlinkedinmailFacebooktwittergoogle_plusredditpinterestlinkedinmail

7 Financial Lessons the Crisis Will Teach Us

During these times, many have found themselves sitting at home, wondering what could have been done differently and how to let that knowledge better their future decision-making. Financially, this crisis has certainly provided its fair share of lessons learned, ones that we would’ve rather not learned the hard way. The point shouldn’t be to dwell..Read More

Facebooktwittergoogle_plusredditpinterestlinkedinmailFacebooktwittergoogle_plusredditpinterestlinkedinmail

Time Management After Returning to Work at the Office.

Positive Monday:  Use Time Blocks Each Day A helpful strategy to free up time is to use Time Blocks. Time Blocks are chunks of time you intentionally schedule that are dedicated exclusively to one specific activity without interruptions. Below are five chunks of time you should be scheduling on a daily basis: Deep Work This is..Read More

Facebooktwittergoogle_plusredditpinterestlinkedinmailFacebooktwittergoogle_plusredditpinterestlinkedinmail

Fraud and Scams – what to look out for

“Financial crime has the potential to create detrimental outcomes for both New Zealand’s economy and society. ASB is determined to play our part in combating it wherever we can, but when it comes to keeping your accounts safe, it is imperative for customers to remain vigilant too”, says David Bullock, executive general manager of technology..Read More

Facebooktwittergoogle_plusredditpinterestlinkedinmailFacebooktwittergoogle_plusredditpinterestlinkedinmail

Health Consequences of E-Cigarettes

In my first blog in my series on vaping, I described the characteristics of the large, global vaping population. Life insurers care most about the health consequences of e-cigarettes. This segment will touch on several aspects of this concern. The common thread between conventional smoking and vaping is nicotine. Just like in studies of tobacco smokers, studies of..Read More

Facebooktwittergoogle_plusredditpinterestlinkedinmailFacebooktwittergoogle_plusredditpinterestlinkedinmail

Lockdown Lowered Stress Levels

A study by Southern Cross has tracked the physical, emotional and social health of more than 3,000 New Zealanders. Research by the insurer and private healthcare organisation, began in 2019 and data reveals changes in Kiwis’ attitudes and behaviours during the Covid-19 lockdown. Southern Cross Health Society Chief Medical Officer, Dr Stephen Child, says that while..Read More

Facebooktwittergoogle_plusredditpinterestlinkedinmailFacebooktwittergoogle_plusredditpinterestlinkedinmail

Majority of Kiwi households in financial difficulty: survey

A new survey has found 40 percent of households are at risk of falling into financial hardship since Covid-19, and a third were already in difficulty. The Commission for Financial Capability surveyed 3000 households in the last two weeks of the level 4 lockdown and is part of an international study in eight countries. Even..Read More

Facebooktwittergoogle_plusredditpinterestlinkedinmailFacebooktwittergoogle_plusredditpinterestlinkedinmail