Time freedom is to have complete control over one’s time. Imagine this for yourself: If you genuinely had all your cares taken care of, not just in your life but for all around you, what would you do with your time? Imagine not having to go to work and having all the resources you needed
Introducing Sounding Board Sessions: The bit you've been missing all along! Have you been wading through the infinite choices you have as a self-directed investor or homebuyer? Are you looking for a qualified third party not to tell you want to do, but to help chart your own course? Look no further! We're thrilled to
Here's a Netflix-pilot episode that never came to be. Imagine the scene of a retired person living alone in government-funded housing, aka the 'council flats'. It's where people who can't afford much go when they're old. Like the 30-square metre dwelling with poor ventilation I can still remember from almost 30 years ago. The inside
The recent drop in the official cash rate (OCR) by 0.25% has sparked a flurry of speculation about the future of the property market. Those hanging on for dear life are desperate for good news and recency bias is at work here - many believe lower interest rates signal a return to the boom times.
Being a Purpose-Based Investor: A Strategy for Modern Times Often, what's on my mind or heart connects to my purpose of building wealth. Today, I want to discuss why you should consider a purpose-based investment strategy rather than just a goals-based one. Given the world's current changes, this approach offers both risks and opportunities. Getting
It's not uncommon for me to have conversations with people, typically in their mid to late 40s, facing a rude awakening. While they were busy focusing on that next bonus to clear the credit card or pay for their mid-winter family Fiji escape, they spot something they never noticed before. It's about this time when
When should you pay off the mortgage, and when should you invest? Over the last few years, this question rolls around frequently on social media. One view suggests that mortgages should be eliminated ASAP. The benefits include not worrying about interest rates, and the ability to invest larger amounts of money into assets
Cycles, superstition, and strategy. Money and life often play tricks on each other. Sometimes, some things, can happen around the same times as other things. Occasionally, superstition seems legitimate. For example, can the weather affect the share market? And do English superstitions, work the same down under? Like, what about this one? 'Sell in May,
The Reserve Bank of New Zealand (RBNZ) has seemingly been on a quest to 'bring down' the property market over recent years, in conjunction with our previous government. The Credit Contracts and Consumer Finance Act (CCCFA), higher taxes for property investors, increased interest rates, and stricter deposit requirements via Loan-to-Value Ratio (LVR) restrictions have all
SHEILD: Want to 'take ground' but feeling unsure? Invest with confidence, knowing the following 5 areas of personal finance are sorted. S - Savings (Emergency Fund): How much you need in your emergency fund is determined by the likelihood of you suffering a financial loss, the value of this loss, and the time
