From Walmart to Toyota, some of the world's most successful businesses share a common thread – they're family-owned enterprises that have stood the test of time.
Take Cover...! Insurance more important now than ever
Have you noticed the ever-growing frequency of sad stories around folk trapped overseas with large medical bills, or a family struggling to bring a loved one home for a funeral, and all they can do is start a crowd funding page?
Insurance is something that a lot of people don’t prioritise – but they should.
We Had Better Have a Plan – Corrections, Risk and Tolerance
With the corrections occurring in the market and the markets doing what they have always done efficiently… It’s time to stop, breathe deep with both feet firmly on the ground, and reassure ourselves of the why and what is of our financial position and plan.
The Downsides of DIY Investing
With home ownership out of reach for many people, we’re seeing shifts in investing priorities that align with generational differences, particularly from Millennials and Gen Z. Following on from Boomers, who are tipped as the wealthiest generation in history, things are tough in a world where costs keep rising and outpacing income.
Do You Need Life Insurance in Your 20s?
Building a strong financial foundation in your 20s begins with having the right tools. A budget is one thing you'll need, especially if you're focused on building an emergency fund, saving for retirement or paying off debt. Life insurance is something else you ought to add to your toolbox. But does life insurance for young adults make sense?
Lightening the mental load
It’s no great secret that as we age our bodies begin to go into some form of decline, it can’t be disputed because the evidence is visible. Mental decline isn’t visible, no one knows what’s happening in anyone else’s head. This means it might be more open to dispute, delaying any response.
Don’t risk being under-insured
Owning something valuable, such as a house, car or boat, without insuring it means taking a huge financial risk. For that reason, around 95 per cent of New Zealanders have insurance to protect against loss due to disaster, accident or theft. However, when it comes to protecting themselves and their family’s future, the majority have little or no insurance cover.
Have you got it covered?
Our income is our most valuable asset. If you had to stop working due to an injury or illness the Government’s safety net (ACC) would catch you, but only just.
John & Alice's Story
“Like me, I’ve got mates who were dubious about the value of insurance and whether claims will actually be paid. But right from the beginning, working with Scott and our insurer has been completely hassle-free.”
Where there's a Will, but no way
Is your will drawn up? Do you have a power of attorney? Aside from ensuring your investments are right for you, your financial adviser should have a healthy interest in ensuring a few other things in your life are addressed.
Your New Year's Resolution
The new year is a time of reflection; a ready-made reminder to us all that we should perhaps take stock of what's happened and what will come next. It is a good time to ask a very simple but profound question: What could possibly go wrong over the course of the coming year?
Give Yourself the Gift of Health
We know that this time of year can be a little overwhelming. Not only are you trying to wrap this year up on a high note, but you're also setting your goals and intentions for next year. Fortunately, this article is designed to help you do that.
What does trauma insurance cover me for?
After going blind in one eye, an Invercargill farmer's trauma claim was declined because her medical condition didn't meet her policy's criteria. Blindness in both eyes is covered in her policy whatever the cause, but blindness in one eye is only covered if it is caused by an injury, not a medical event.
Take harder look at advisers' cosy commissions
Have you ever asked your financial adviser a raft of questions like ... "In the advice you are giving me today are there any benefits you are going to receive?" It's is worth asking!
Everything about Wills
Wills are something every New Zealand adult should have. Will allow you to say what you want to happen to your property after you die—even though you won’t be there to say it yourself. And yet every year, thousands of New Zealanders die without a will.
A retirement confab with the folks
It's easy to avoid discussing money with your parents, and in some families, the subject is almost taboo.The topic doesn't become easier to broach as parents and children age, but it does become more important.
Protect your business against the unexpected
A business is only as good as its people.Although you may have implemented plans to protect your buildings and equipment, it's important you don't forget about protecting one of your most important assets - your people.
