The following article is speculating on the future, shouldn't be taken too seriously, and definitely shouldn't be considered 'advice' or guidance in any way. Part One Global events may cause us to save more, and that’s bad. From March 2020 until now, a shockwave launched in uncertainty has advanced almost everything already in motion. In
First, let's address something many are feeling but few are saying: sometimes, it's hard to stay optimistic. Whether you're grappling with a sickness, personal setbacks, or disappointing weekend, it's hard to keep in mind that over the long term, there are wins as well as losses. For the most part, rest and medication can work,
Tech Transformers: More Than Meets the Eye There's been so much news to catch up on this year that I recently caught up with Rupert Carlyon to compare notes. Let's start with Apple. New iPhone, same old story. Honestly, how "new" can it get? Not to mention, we're looking at their fourth quarter of negative
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
"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
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
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
We've endured quantitative easing, tightening, loosening, accommodative, restrictive... Drop interest rates too far? Property prices and sharemarkets BOOM! Don't act fast enough, inflation kicks in...then interest rates,...BOOM! Markets collapse. Is this a sign of good stewardship, or this a sickness? We're at the knife-edge of the most anticipated market correction of all time. The only
Now this one is a bit of a heavy one I must warn you. If you sense there’s more to understand around what’s happening in the world right now , and you can handle looking at something a bit scary for a bit, then watch out for what fear does to you. Don't let fear
Inflation – on the surface, it would appear at times as though you’re doing really well with investing. If the ‘wealth’ you see is increasing over time, this is great right – but have you factored in inflation? Property has for the most part in NZ, doubled every 10 yrs in price (at least for Auckland)
