Wise investing isn’t just about growing a pot of money, it’s about solving tomorrow’s needs, at today’s price. It’s about anticipating your future and making some tough choices now to avoid higher costs later. First-time home buyers often purchase ‘first homes’ for example. These are the affordable options that feel safer as a first step.
Success with property requires just 3 moves: Buy, Hold, and Sell. To help with these three moves, we need to study cause and effect within the economy. In other words, the more you can predict what influences inflation, the more you can understand the direction of interest rates, and therefore where property prices may be
I've been providing financial advice, in some form or another for over 21 years now, and I'm just warming up! Rudolf Steiner was an influential Austrian philosopher, social reformer, and esotericist who lived from 1861 to 1925. He developed a theory of human development based on seven-year cycles, which he believed were linked to astrological
It’s not difficult these days to research questions around how things work. I recently taught myself how to use diesel fuel mixed with used motor oil to create a great stain for my deck. All by watching a few YouTube videos. It looks great. My wife hates the ‘truck stop’ smell, but there's something satisfying
If you're just starting out in your journey, trying to answer 'what is this Bitcoin thing', then this one's for you. Reflexivity in your muscles is like when you accidentally touch something hot — your muscles contract super fast to pull your hand away, keeping you from getting burnt, without you even thinking about it.
Good news: If you’re looking to buy your first home, or take another step, there are easy times to break in, and we may be in one of them now. Housing downturns, recessions, or economic uncertainty, present ways to climb up the property ladder. The only issue is, not many people take advantage of it.
A growing number of Kiwi’s are sleep-walking into retirement poverty. The gap between our means and our needs appears to be widening with each generation. Many retirees would already struggle to live off government superannuation alone, so if you have a few years to go, now’s a good time to visit this topic. If you’re
"I don't care about climate change - and I don’t care about Trump, free speech, alien disclosure, or even World War 3. The world may be going mad, but unless it impacts my family or my mortgage payments, I just don’t have time for it.’ I can understand this, especially for those doing it tough.
When you come from nothing, the only way to catch up is to work harder than everyone else and use leverage. If you can use other people’s money, with permission of course, and make correct assumptions about the future, you might build more with less. But with current global events, it’s crucial to test your
Twice a year, we adjust our clocks. Once a day, the earth spins around, and in a year, we all complete a circuit around the sun. Our own lifecycle, from conception until death, in roughly 15-20 year increments, cycles between one focus, to another: From 'Me' (single) to 'Us' (finding a partner) to 'They' (having
