When it comes to mortgages, most people focus on one thing, getting the lowest interest rate. But the lowest rate today doesn’t always lead to the best outcome over time. Interest Rate Averaging is a strategy designed to reduce risk, smooth cashflow, and create flexibility, rather than trying to perfectly time interest rates, which no one can do consistently.
Summer has a way of easing the pressure. The days feel longer, the calendar softens a bit, and life slows just enough to remind us that not everything needs to be urgent, solved, or optimised right now. It’s a subtle shift, but a powerful one. And it’s what we like to think of as the summer reset.
We would like to take this opportunity to end the year with a couple of reminders, as well as two areas that may be of interest, and lastly to wish you all the best for the festive season.
As parents, or as grandparents, we all want our children to grow up confident and capable, especially when it comes to managing their money. Financial literacy is a crucial life skill that’s best nurtured from a young age. Here are some practical tips to help your kids understand the value of money and develop healthy financial habits.
When it comes to mortgages, most people focus on one thing, getting the lowest interest rate. But the lowest rate today doesn’t always lead to the best outcome over time. Interest Rate Averaging is a strategy designed to reduce risk, smooth cashflow, and create flexibility, rather than trying to perfectly time interest rates, which no one can do consistently.
As parents, or as grandparents, we all want our children to grow up confident and capable, especially when it comes to managing their money. Financial literacy is a crucial life skill that’s best nurtured from a young age. Here are some practical tips to help your kids understand the value of money and develop healthy financial habits.
While women now make up nearly half of New Zealand’s workforce and account for over 60% of university graduates, many still feel disconnected from their personal finances. Career success does not automatically translate to financial confidence, and, often, women are juggling high-pressure roles while also carrying the weight of expectations and invisible responsibilities.
When was the last time you sat down and not only set some goals, but mapped out the best way to ensure they are achieved? Goal modelling is more than just financial planning — it’s a roadmap to achieving what truly matters to you. It’s getting answers on what you could be achieving in life, and the best way to get there.
AIA’s MyCare (previously known as Best Doctors) is an additional benefit to the AIA Judiciary Insurance Scheme and there is no cost to the members. It has been a year since I last talked about MyCare in the JANZ newsletter, so I thought it was time to remind you all of this wonderful service and its benefits to you and your family.
As our lives become increasingly online, it is more important than ever to be vigilant when it comes to scams. As scammers become more sophisticated, the harder a scam will be to pinpoint. So, what does a scam look like? Scams can come in all shapes and sizes, but their aim is to blend into their surroundings well enough to eventually catch you out when your guard is down or in a moment of confusion.
