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Why you should consider getting covered for cancer

Having health insurance doesn’t stop you getting unwell (boy, we wish it did!) but it does stop you having to stress about taking time off work, long waiting times for appointments, not being able to afford the proper care or medicine, and whether you can afford to get a second doctor’s opinion.    While the world’s media is focused on Covid, other serious diseases remain highly prevalent, especially here in New Zealand. One disease is leading the way and it’s called Cance...

March 3, 2022

Why are council valuations so important?

The three yearly council revaluation cycle is always met with great anticipation by property owners and aspiring owners alike.  Property owners are initially excited by what the council thinks their property is worth.  This is often followed by a bit of worry about what the new value might do to their rates bill. How does the council value my property? There are simply too many properties to value each property individually so complex algorithms are used to estimate property values.&nb...

February 24, 2022

What does rising inflation mean for your Kiwisaver?

The Reserve Bank of New Zealand (RBNZ) aims to maintain inflation rates of between 1% to 3%. This is important for our economy as it ensures that the cost of living remains relatively affordable. However, rising inflation can result in a decrease in purchasing power of each dollar by 1% to 3% depending on the effectiveness of the RBNZ’s monetary policy in that year. This is why it is important to invest your money correctly especially your retirement savings, so they grow over and above the in...

February 24, 2022

What investment strategy should I use when the financial markets are so volatile?

Stock markets globally commenced the calendar year off to a rocky start. As of January 27, the S&P 500 (a closely followed US stock market index) was down 9.80% year-to-date, and has since recovered some of the losses. Globally stock markets have been subject to a rocky start, with the S&P 500 down 9.8% (year to date); The sharp market volatility poses three important questions: What is causing the volatility?How long will the volatility last?What should investors do? While there are many movin...

February 24, 2022

Have you been thinking about what to do with your lump sum?

It's Christmas time! Is it raining monetary benefits for you? You might have recently received a huge sum of money, such as a profit from a sale, a business, or a property. Maybe you just received your bonus bonds payment, or an inheritance or you had a windfall. A common question is- “How do I invest it for my future?” Do you invest it all at once or in smaller increments over time, a strategy known as dollar-cost averaging? Let us see what happens when you invest all at onceTraditiona...

December 16, 2021

Do you think you are too young to be insured?

The holidays are fast approaching. It’s a good thing to be positive in life, but are you and your family well prepared if something unforeseen happens? Financial shortfalls don't come announced.  ‘Adulting’ isn’t easy- if you are starting a career, a family, owning a car, having a go at a business, or buying a house, most likely, you will be making big financial decisions for yourself now and for your future needs. You may be thinking- “Do I need insurance” or “When is the rig...

December 16, 2021

What do you need to consider when purchasing a New Build?

Do you dream of purchasing a brand-new home? One with all modern fittings, low maintenance, energy efficient, with an indoor/outdoor flow to die for? A new build allows you all this and often enables you to tailor your new home to suit your own personal needs and taste right from the beginning. New Builds are a popular choice at the moment, so we thought we would put together a few things to think about before signing up. The Pro’s Brand new homes are great – you’re the first person to liv...

December 14, 2021

What impact will Covid-19 have on my insurance?

Life in New Zealand will resume some sort of normal once we see the end of the August lockdown. Businesses will slowly gear back up albeit apprehensively. What the impact of this 2021 lockdown will have on the economy is yet to be realised. One thing that may’ve crossed your mind over the past few weeks is what will be the lockdown effect on your insurance. This ever-evolving landscape that we are experiencing with the current pandemic means insurers are always looking at how they can cover p...

September 7, 2021

Why does my bank need to know if I use Uber Eats?!

Have you ever seen the TV program “Eat Well for Less New Zealand”? Often, the people on the show are astonished at the amount they spend on food each week.  Spending can certainly all add up when you consider take-away meals, quick grocery top ups and the occasional brunch out with friends. Well, from December 2021, all lenders will be required to complete a thorough analysis of all your spending when applying for a loan.  This is due to changes in the Credit Contracts and Consume...

September 7, 2021

Kiwis aren’t saving enough for retirement

Do you think it is too early to start thinking about retirement? Are you more of a ‘live in the moment’ sort of a person? Do you see yourself living the life of your dreams in your golden years? Ask anyone who's retired, and they will say to start saving for retirement as soon as you can!  Barometer Money Surveys conducted since 2017 by the Commission for Financial Capability have seen a pattern that New Zealander’s spend without caring about saving enough for the post-retirement year...

September 7, 2021

Accidents happen! It’s a fact of life and a very good reason for Accidental Injury Cover

Before we get to the part where Paula, our client, tells us how Accidental Injury Cover came in handy let us quickly understand what benefit the cover provides.  Does a good hike, a game of rugby, or a netball game at your club sound like your perfect weekend? But what if you break your arm, pull a ligament, or do something much worse! Did you know that ACC receives on average 448,000 sport-related claims per year? We Kiwis love the outdoors, but injuries can strike us anytime anywhere!A su...

June 21, 2021

Interest Deductibility – what does it really mean?

The government’s recent changes to residential property investment rules came as a surprise to many. However, the biggest surprise by far was removing the ability to claim the interest on funds raised to purchase a residential investment property. While some of the rules are yet to be ironed out, we thought it would be helpful to put some numbers around what the financial impact could be.  Owning a residential investmen...

May 28, 2021

Increasing my KiwiSaver contributions: is it always a good idea?

Having more of your hard-earned money going into your KiwiSaver portfolio can only be a good thing, right? Well, not always. KiwiSaver members have the option of contributing 3%, 4%, 6%, 8%, or 10% of their pay directly into KiwiSaver. The default rate is 3% if you don’t choose a higher rate and contribution rates can be changed every 3 months. If you have recently changed jobs or if you found yourself with spare cash, you might be wondering whether increasing your contributions is a good idea...

May 20, 2021

KiwiSaver members: don't miss out on the $521 Government Contribution

Will you be getting a $521 top up to your KiwiSaver account? KiwiSaver members are eligible for a Government Contribution each year, formerly known as Member Tax Credit. Basically, for every dollar you put into your KiwiSaver account, the Government puts in 50c, up to a maximum of $521.43. You must contribute $1,042.86 annually to qualify for the maximum payment of $521.43. If you have been contributing for at least one year through your employer at the 3% rate and you earn over $34,766 per annu...

May 12, 2021

Apex Wellbeing Conference - Wednesday April 14th

The last 12 months have been very challenging, for everyone. As a business we recognise the importance of thanking our staff for their hard work and making sure we give back to them. We are taking our team out of the office for half-day Wellbeing Conference on Wednesday 14th. If our team is happy and well, they are better suited to look after our customers. ...

April 14, 2021

When investing, your biggest risk is you

When the stock market crashed in early 2020 no one was surprised, the pandemic brought a lot of uncertainty around the world. What was surprising was how quickly the market recovered and how more people turned their attention to investing. The new wave of investors might have been due to a combination of factors: the evolution of online investing platforms, the dip in the market tempting people to “buy cheap”, and potentially, people spending more time at home during lockdown periods. The fa...

March 5, 2021

Negotiate your rate, but don’t forget about your structure

Ever since Covid-19, lenders have bombarded us all with ever decreasing interest rate specials. Low interest rates are great but one of the trade-offs is increasing property values which generally leads to increasing debt. Reviewing your mortgage regularly is vital to ensuring you get your debt under control, while also considering your lifestyle needs. Most mortgage debt in NZ is on fixed rates mainly because floating mortgages are so much more expensive than fixed rate mortgages. We find that ...

March 2, 2021

Control the controllable: 6 ways you can create financial certainty in 2021

For most of us, 2021 has brought on a breath of fresh air. After a hard 2020, it has been great to turn the page and start new. But the new year doesn’t mean that the pandemic has magically disappeared. The reality is that things remain uncertain and we don’t quite know what this year will bring for us. The economy is looking healthy, yet house prices continue to rise. Only recently we had cases of community transmission. The Covid-19 vaccine might bring hope, but for the time being, our bor...

February 16, 2021

Keeping you and your family safe this summer

After a year of lockdowns and restricted travel, most of us are eager to be out and about enjoying the good weather and exploring our own backyard. New Zealand in summer is unbeatable, and as Covid-19 rages on outside NZ, there is no safer place to be. However, keeping safe is a team effort and involves everyone playing their part. Here are some tips on staying safe this summer....

November 19, 2020

Do your face masks offer Anti-Viral and Anti-Bacterial protection?

Once again, it is mandatory to wear a face covering on public transport in Auckland, and on all domestic flights for the foreseeable future. The government is also looking at extending this to the rest of the country.    Staff at Apex masked up during the August outbreak and we will be masking up again. We’ve seen first-hand how Covid-19 affected the lives of our clients and created challenges for many households and businesses. Wearing face masks is a small price to pay to protect o...

November 19, 2020

Getting ready for auction

We recently had Mark Sumich from Sumich Realty present to our team on the current auction environment. The property market is extremely hot right now and auctions are very popular so we thought we would share some of our key takeaways....

November 18, 2020

Get a new Apple Watch with AIA Vitality

We’re thrilled to introduce you to the brand new AIA Vitality Apple Watch Benefit, giving you the opportunity to earn an Apple Watch for reaching your weekly physical activity targets on AIA Vitality. With Apple Watch you now have a new way to increase your physical activity and stay motivated to make healthier choices. Physical activity is one of the cornerstones of good overall health and wellbeing, and we’re excited to be able to deliver this fantastic benefit to AIA V...

November 17, 2020

What can you do with bank savings when interest rates are low?

When talking about low-interest rates, much of the focus is on how good this is for people with debt – especially home-owners with mortgages and property investors. But what about savers who are keeping cash in the bank? The Official Cash Rate (OCR) set by the Reserve Bank of New Zealand, has been trending down. Five years ago, the OCR was 3.50%, today it’s sitting at 0.25%. The Reserve Bank has indicated that it might go lower in 2021, to help stimulate the economy. Although banks are unlik...

November 10, 2020

Who should own your insurance policy?

The main reason why people take out life insurance is to protect their loved ones in case of their death. Life insurance can provide financial protection for your family, paying for children's education, your mortgage or debt, and providing a security if you are the main income earner. Business owners also take out life insurance to cover the death of a key person in the business or to be used as funding for a buy/sell agreement. When taking out insurance, or at the time of your yearly review,...

October 8, 2020

What should I do with my Bonus Bonds?

The well-known kiwi investment scheme Bonus Bonds is winding up. If you have Bonus Bonds you are probably wondering what you should be doing with that money. There are a few options available to you, but it all depends on your personal circumstances.Watch this video to find out how to check whether you have Bonus Bonds, and what should you do if you have them....

September 29, 2020 Posts 1-25 of 286 | Page next
 

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