Which statement do you most agree with? 1. I create my financial destiny 2. I have very little power over my financial situation...
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This is Michelle's story

July 19, 2017
This is Michelle's story. Her life changed suddenly when she was diagnosed with cancer. But as Michelle puts it "one thing this cancer will never do, is get me off my horse". Don't miss this truly inspirational story on how being well planned made the difference for Michelle...
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Kids can start learning the concept of spending and saving from as little as 3 years old, and a study by the University of Cambridge shows money habits start to be formed by age 7. Money makes the world go around, but how much do our little ones know about the concept of mon...
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So why do we find saving so hard, if we know it’s good for us? Instant gratification – that’s the simple answer. We want things now and we aren’t prepared to wait. And these days, with credit cards, deferred payment plans and loans you don’t necessarily have to wai...
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Happy birthday, KiwiSaver! With the scheme having been in action for a decade now, we take a quick look at what’s changed, and what it means for you (and your retirement fund). It’s kind of a big deal… With KiwiSavers now having contributed for up to 10 years, t...
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Beach holidays and summer BBQs seem a distant memory now and suddenly we're half-way through the year. So, chances are it's been 6 months since you made financial plans or goals, and some may have fallen by the wayside. What were your financial goals for this year? Did you...
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According to the AA, up to 70 per cent of all vehicles sold in New Zealand are bought with some kind of financing attached. Currently car/personal loan rates vary between 9.99 and 19.50 per cent interest through a bank or credit union. But it's easy to end up paying up to 27...
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For every dollar you put into your KiwiSaver account, the Government puts in 50c, up to a maximum of $521.43 each year - this is effectively free money for KiwiSaver members. If you have been contributing to KiwiSaver for at least one year through your employer at the 3%...
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By Greg Hahn – Apex Financial Adviser. It's common practice to insure your business assets – premises, machinery, computers. These are all seen as integral parts of a functioning business and important to its smooth running. But have you considered what effect the los...
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There's been a lot of news lately around the struggles of today's property market, particularly for first home buyers. Our opinion? It's hard, but it's not impossible. Instead of waging a war between the generations, we wanted to come up with a scenario showing one way you c...
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