Darcyungaro

About Darcy

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So far Darcy has created 21 blog entries.

Making Small Business Bigger

By |2019-12-20T00:58:03+00:00December 17th, 2019|Finance, Interest Rates, News|

Do you run a small to medium-sized business and you've been in business for more than 6 months in NZ? Then read on... Adrienne Church, the General Manager of Prospa New Zealand discussed with me recently on the NZ Everyday Podcast, how 'cash-flow funding' works and how small to medium-sized enterprises grow using this tool.

Interest Rate Predictions 2020

By |2019-12-12T23:37:20+00:00December 12th, 2019|Interest Rates, Investment Property, Kiwisaver, Mortgages|

Will interest rates increase in 2020, or will they fall further? In order to truly understand what influences interest rates, or the cost of currency, we need to dig around a little bit into a few factors. Forgive the technical jargon, but I'll try to break it down as much as possible here. 1 –

Kids and Money / The Magical Power of Giving

By |2019-10-31T01:25:57+00:00October 31st, 2019|Kids|

Kids and Money - the magical power of giving! If you have more than one child, you know what it’s like when they bicker over toys - I’d rather stab my eyeballs out than listen to childish arguments about cheap imported plastic trinkets.  Why is sharing so hard for kids to do? Maybe this is

5 ways to escape your home.

By |2019-09-11T05:02:00+00:00September 11th, 2019|Finance, Interest Rates, Investing, Investment Property, Mortgages, Myths busted!, Tomorrow's U|

Your own home has taken you hostage – and there are 5 ways you can escape.   That’s right, you may have made a horrible mistake when you bought your current home. You purchased the house for the present you instead of the future you. I’m going to try to help you out, as, just

Negative Interest Rates – What Lurks Beneath

By |2019-09-06T04:22:13+00:00September 6th, 2019|Interest Rates, Investment Property, Mortgages, News|

Negative interest rates – Are all our Christmas’s arriving at once, or is this a sign of something more sinister to come? What’s a negative yield curve and why as a borrower, should I even care? Jeremy Couchman, senior economist at Kiwibank joins Darcy in a discussion around how things like interest rates, exchange rates, and

The OCR – ‘Help, I’ve fallen and I can’t get up!’

By |2019-08-08T23:40:43+00:00August 8th, 2019|Finance, Interest Rates, Investment Property, Mortgages, Myths busted!, News|

In the 1980's, the medical alert business was just getting started - 'Help, I've fallen and can't get up' - I loved saying this slightly irreverent quote every time I saw someone fumble or fall over as a child - I know, sorry! The official cash rate has fallen. Are we in trouble NZ? Will

Capital Gains Tax – What’s the problem that it solves?

By |2019-03-25T23:28:19+00:00March 25th, 2019|Investing, Investment Property, Market Place Review, News|

“We contend that for a nation to try to tax itself into prosperity is like a man standing in a bucket and trying to lift himself up by the handle.”  ― Winston S. Churchill Capital Gains Tax. What's the problem that it solves? But first, some facts: 1 – What is ‘Capital Gains Tax’. Simply put,

10 THINGS YOU SHOULD KNOW WHEN BUYING A HOUSE

By |2019-02-04T01:15:12+00:00February 4th, 2019|Finance, Interest Rates, Mortgages, Myths busted!|

10 THINGS YOU SHOULD KNOW WHEN BUYING A HOUSE In this post I'm keen to help some people out - it's not that you're dumb, but unless you do this stuff every day you're likely benefit from at least a couple of points  here. Here's the thing - your mortgage is likely your biggest expense

Property Investment – why is it so special?

By |2019-09-11T04:10:00+00:00January 16th, 2019|Finance, Interest Rates, Investing, Investment Property, Mortgages|

What’s so special about investing in property? After all, equities perform better in the longer term so why would you bother at all? Perhaps it’s the ease at which it can be done, or the tangible nature of this asset class. I think it's more about this marvellous thing called ‘leverage’. In this podcast we

Stop wasting money on fuel- EV economics explained

By |2018-10-30T07:12:00+00:00October 24th, 2018|Finance, Interest Rates, Mortgages|

Being an environmentalist while driving a diesel SUV is like going to McDonalds for the salad. Now I’m not going to pretend to be a tree hugger - I do like burning wood as much as the next guy though! To state that you ‘stand’ for anything is like putting a big target on your