Tech, NZ, China: Crypto’s Rise

By |2023-09-17T09:26:14+00:00September 15th, 2023|Bitcoin, Finance, Mortgages, Myths busted!, News, Tomorrow's U|

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

Interest Rates: The Eye of the Storm

By |2023-06-20T00:56:30+00:00June 2nd, 2023|Interest Rates, Investing, Investment Property, Mortgages, News, Tomorrow's U|

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

A Ray of Home: RBNZ Relaxes LVR Restrictions

By |2023-06-20T00:59:13+00:00May 28th, 2023|Interest Rates, Investing, Mortgages, News, Tomorrow's U|

The New Zealand Housing Market Gets Some Good News as the RBNZ Lowers Loan-to-Value Ratio Limits The recent relaxation of loan-to-value ratio (LVR) regulations by the Reserve Bank of New Zealand (RBNZ) has prompted cautious optimism about the future of the New Zealand real estate market. The RBNZ's move comes amid talk that interest rates

Official Cash Rate Update – WITH Opinion

By |2022-11-23T08:18:37+00:00November 23rd, 2022|Bitcoin, Finance, Interest Rates, Investing, Mortgages|

There's nothing more annoying than just the news. So here's the news the news first, for what it's worth, the OCR has increased by 0.75%. We are now at a level we haven't been since around 2008. Why is the OCR important? This 'official' interest rate that the Reserve Bank of New Zealand sets, indirectly

Who’s behind our Central Bank?

By |2022-06-26T05:38:23+00:00June 26th, 2022|Interest Rates, Investing|

Some would suggest the separation of church and state wasn’t about protecting the state from the church – it was the other way around. Another organisation we may wish to keep separate from our government, is New Zealand's Central Bank - As per the RBNZ website they say ‘We have statutory independence from the government.

Stimulants, depressants, & LVRs 

By |2020-12-21T07:39:26+00:00December 21st, 2020|Finance, Interest Rates, Investing, Investment Property, Market Place Review, Mortgages, News|

Stimulants, depressants, & LVRs  Darcy is joined by Jeremy Couchman, a senior economist at Kiwibank, to unpack the names for the many stimulants and depressants intoxicating the housing market right now. From LVR and DTIs, to the other strange monetary drugs, let's get a better idea of what we're taking this summer. L.V.R. has become

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

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