Blog2018-08-18T12:26:58+12:00

Public Hospital Waiting Lists

October 22nd, 2019|Categories: Blog, Health Insurance|

Public Hospital Waiting Lists Have you ever wondered how many people are on public hospital waiting lists?  Just about every week, we see news headlines that our public health system is under pressure. Below is a headline that hit the NZ Herald on 21st October 2019 which read; 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 [...]

Affordable Medical Insurance

September 25th, 2019|Categories: Blog|Tags: , , |

Making medical insurance affordable as we get older is vital to ensure we receive the quality and speed of medical care when we need it most. Just about every week, we read about someone who needed medical care and did not get it, and how the health system failed. New Zealand still has an excellent public health system, but at some stage, the ever-increasing costs for care, new procedures, drug treatments, and an ageing population can only mean a strain on the public health system and the tax dollars that go to fund our health system. We only have a [...]

Lower Mortgage Rates

August 21st, 2019|Categories: Blog, Home Loans|Tags: , , |

Lower Mortgage Rates? On Monday 12th August 2019 the OCR was reduced to only 1% which dictates what our retail mortgage rates are.  With the latest reduction in the  OCR will we see much lower mortgage rates and more flexible lending criteria?. Firstly, let's take a look at what OCR means, and for those of you who are maybe more technically savvy than financially savvy, OCR in this case does not mean Optical Character Recognition, but rather the Offical Cash Rate! Here is a quick video from the Reserve Bank of New Zealand that will explain what the OCR does. [...]

Business Insurance

July 23rd, 2019|Categories: Blog, Business Insurance|Tags: , , |

Business Insurance Business Insurance covers all types of insurance such as Plant and Machinery, Commercial Vehicles, Assets and the list goes on.  There are also risks in your business that you may have overlooked, and that is your cash flow, key people, and the business expenses that you need to pay. There are the risks you don't see (except for your key people!).  You can see your business assets when you get to work, you can see your building, but you cannot see your business expenses unless you are looking at your financial reports.  The point here is that [...]

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 [...]

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 [...]