Where are you going? – have you made a plan yet?

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Don’t Get Cancelled

By Carley Ellis As a human living in 2023, you're likely to be doing a lot of “stuff”.   Balancing work, kids, partners, pets, housework, exercise, hobbies, parents – the list can be long.  There are only 24 hours in a day, but we're often trying to multi-task and cram more in. Add a bit more pressure in the form of rising living costs and weather like a Scottish spring, and

Finance, Insurance, Myths busted!|

When House Price Go Up?

When's My House Price Going to Start Rising Again? Ah, the age-old question that's been on the lips of every Kiwi homeowner and potential buyer for decades. If you've been living under a rock, here's a quick recap: inflation is the rate at which the general level of prices for goods and services rises, causing purchasing power to fall. Another way to think of it is that the value your

Finance, Interest Rates, Mortgages|

Fighting For OUR Sovereign Wealth

Introduction: It’s high time the uncritical and excessive admiration for authority dissipates so individuals can once again choose community beyond just conformity and blind compliance. Happening over a longer timeframe than the election cycle, has been a gradual shift away from One Nation under God, to various fractured groups under the thumb of a nation state. This also, may be evolving. One great thing about diversity, and I mean this

Investing in the Sun!

Harnessing the Sun's Infinite Energy for Bitcoin's Finite Supply The sun, an infinite source of energy, has been powering our planet for billions of years. Its vast potential remains largely untapped, especially in the context of the modern financial system. However, as the world grapples with the challenges of climate change and seeks sustainable energy solutions, Bitcoin emerges as a surprising ally. This article delves into the intriguing possibility of

People are Strange…

The Doors of Perception "In between the things that are known, and unknown, lie the doors of perception." Jim Morrison was often revered and feared in equal measure. In the world of financial markets, where varying perspectives may reveal hidden truths that govern our economic reality, there are other voices that may carry the knowledge we need about what's coming next. Economists, journalists, and central bankers, likely have the worst

Bright-Line Blast Off!

The Bright-line Test - Understanding It Through a Real-World Example Selling your property is often a lifestyle driven decision, that carries massive financial implications. The Bright-line Property Rule is an essential consideration in this process so it pays to understand the key dates before you go much further with your plans. In this article, I explore this rule by examining a real-world example: Selling a home for $1.3m that was

Meat and 3 Veg Investing…Explained

Our Financial World The majority of this podcast revolves around my journey to build wealth and my view of where the world is headed. We all deal with finances, be it through homeownership, banking, or investments. But without the proper tools, understanding your financial position can be daunting. Tools like Sharesight can be invaluable for those looking to invest and track their portfolios. Technology and the Future Recent conversations on

Are you REALLY insured?

By Carley Ellis I was seven, maybe eight years old and I was playing with my cousins at my Nana’s house.  I’m pretty sure were playing something wholesome like Hide and Seek, and being the youngest, I was still stuck on “Finder” duty.  I heard some giggling coming from the inside of the bathroom - it seemed like my cousins had moved on from Hide and Seek (without telling me)

Finance, Insurance, Kids, Myths busted!|

Deflation: The Key to Abundance – A Conversation with Jeff Booth

"In times of great change, the beginner's mind has the advantage,"  That's something worth remembering, whether you're a novice investor or a seasoned pro. In the world of personal finance, it's easy to get lost in the art of budgeting or tangled in the tools of trade like shares, property, or index funds. Yet, the true essence lies not in the tools, but what you're striving to build. Success or

The Techno-Communist Bankster’s Guide to the Galaxy

Traversing the galaxies of our modern, high-speed digital world, bumping up against the behemoth starships of banking, quietly creaking with the strains of antiquated systems we're stumped at what comes next. The exponential technological change, the skyrocketing debt levels, and the uncertain promise of cryptocurrencies collide in the future, but it's unsure how it's all going to play out. The elasticity of our debt-based financial system, once credited for much

Hacking Intergenerational Wealth / Catherine Emerson

Our future promises to be vastly different from the world we know now. Why, because we're living in an exponential age, and technology is now moving at a pace we're not prepared for. Parents, like myself, and like you too, may be grappling with an unusual quandary. How do we teach our children to thrive, not just by arming them with money, but by preparing them for a world that

Crypto: Then They Fight You.

Imagine, if you will, a future world that's a notch stranger than the one we inhabit now. It's not a stretch anymore, is it? Does your investment strategy reflect this? If you're like pretty much everyone I speak with, perhaps not as much as it should. Consider this: If infinite new wealth in the digital realm is the prize, do you want a share of it? If we keep investing

How to Get Rich: Get Purpose!

Uncovering Your Purpose as an Investor: It's not something I hear talked about much. In the world of finance, you may have encountered various labels - entrepreneur, creditor, debtor, and of course, the investor. You might not have realised it, but if you've ever planned to retire in a debt-free home, you've been an investor without even knowing it. Regardless of the financial destination you're striving for, one element often

Investing, News, Tomorrow's U|

Lil’ Miss Conception May

By Carley Ellis I recently ran a daily vlog over on my Instagram page (@carleymellis), where I addressed 31 common misconceptions that people have about insurance.  I was so surprised at the engagement I received – I assumed people would see “insurance” and instantly turn off. It highlighted to me that insurance is like tax and colonoscopies.  We understand they're necessary, but we don’t know how to do it ourselves,

Rinsing Off The Greenwash

Rinsing Off Greenwash: Seeking Genuine Insights on Sustainable Investing Every day, it seems like more and more companies are jumping on the 'sustainability' bandwagon. As someone who's been passionate about the environment before it became trendy, I'm curious about the intersection between the environment., and investing. But let's be honest, it's hard to find genuine insights on sustainable investing amidst the flood of marketing material that seems to be everywhere


Demystifying Property Jargon: A Comprehensive Guide

Introduction The world of property can often feel like a maze, complete with its own unique set of twists, turns, and language. To a novice, it might even seem like a completely different universe, with a myriad of jargon that can seem almost alien. But fret not, this guide will serve as your trusty translator and road map through the labyrinth of real estate terminology. Whether you're a seasoned investor,

Choosing the Right Time to Get Nasty on That Mortgage!

Hello everyone, and welcome back to part two of our mortgage series. Today, we're tackling the pressing question: When is the best time to start repaying your mortgage aggressively? Before we dive in, remember that everyone's financial situation is unique, and what works for one person may not work for another. But here, we'll explore various factors that can help you determine the best mortgage repayment strategy for you. 1.

Reclaiming Prosperity: Property Investing Quadrants

In our modern-day world of investing, property stands as a tried and true asset class, especially in New Zealand. The financial landscape continually evolves with online investing apps and content to consume that'll bring you pretty close to 'educated enough' to give things ago and get some okay results.  An increase to information and democratising of investment options, would always result in more people playing the game. This happens with

Interest Rates: The Eye of the Storm

The core reason behind inflation, and consequently, higher interest rates, is arguably due to the prolongation of exceedingly low rates in the past. This approach was the consensus of central banks post-2008 and more recently in March 2020. While this strategy was widely endorsed, I held reservations. Over time, my perspective has shifted towards the belief that these conditions have been harnessed as a means to counteract potential disruptions to

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