Digital innovation has democratised access to financial information to the point where anyone with a smartphone, a few apps and real-time news and data feeds can be like a pro trader. But who wants to do that? And do you need to?
A couple that decides to form a long-term relationship does more than create a legal and spiritual bond. At the same time, the personal and financial goals probably shift and become more complex.
I had a friend who said that the trick to sailing in all conditions around the world was to know that sometime your boat would sink. He felt that keeping that fact at the forefront of his mind kept him prepared.
"Resilience" tends to be defined as flourishing despite adversity or bouncing back quickly from difficult situations. Financial resilience is often considered as simply ensuring an emergency cash fund is available to cover against unforeseen expenses.
Embarking on a financial plan is like sailing around the world. The voyage won't always go to plan and there will be rough seas, but those who are prepared, flexible, patient and well advised greatly increase the odds of reaching their destinations.
The ongoing revelations about how Cambridge Analytica exploited Facebook to harvest millions of profiles have laid bare the seeming lack of control we have over our own data.
Last year, New Zealanders managed to spend a record $6 billion shopping in December, which was the highest monthly figure recorded by Statistics New Zealand.
Hawke's Bay enjoyed the highest holiday splurge, with a near 11 per cent increase on the previous year.