‘Debt Management’ Archives
Case Studies »
I thought I would start posting some real life case studies here from plans I am creating. Obviously all no information will be provided that could identify a client. I will provide interesting facts which may cause folks to stop and think, things like the calculation of how much tax the client would pay between now and when they retire if [...]
Invest or Reduce Debt – That Is The Question »
Quite often I am asked whether or not a client should pay their home off or invest and lately there has been a definite increase in the discussion about whether or not interest rates will increase, which then increase the discussion about investment vs. debt reduction. On the question of “Will interest rates go up?” I can tell you right [...]
The Law of Saving »
The following article was sent to me by Brian Tracey with his permission to reproduce here at NZPIS. As an author who I enjoy and admire (I just about have every one of his books and CDs) I was happy to reproduce it here. The Law of Saving By: Brian Tracy Financial freedom comes to the person who saves ten percent or more of his income [...]
Tips To Eliminate Debt »
Debt is an accepted part of life for property investors. It quite simply comes with the territory. Experienced investors recognise the difference between good debt (tax deductible) & bad debt (non-tax deductible used to acquire assets that don’t produce an income). Less well recognised is that there are good ways to pay down [...]
Something Different »
You know it suddenly dawned on me that people often have no idea what I do or my company does for people. Over the years we have jokingly called ourselves the millionaire makers because so many of our clients require over $1,000,000 in retirement to be able to provide them with what they want in retirement. I know lots of you will shudder and [...]
ANZ Portfolio Mortgage »
Today I read about a new product being released in Australia for investors. Fantastic. Hopefully ANZ will bring this product over the ditch as well and provide it here for kiwi investors. The following is an excerpt from the article. The ANZ Portfolio mortgage operates like a line of credit and is geared to enable investors to consolidate [...]
Experts Advise to Fix Short Term »
Many experts are advising the best option at the moment is to fix your mortgage for short terms. This week HSBC bought it's 6month rate down to 5.39% which is now the lowest six-month rate on offer. Westpac and Public Trust also cut their six-month rates bringing them to 5.50%. I have just fixed my ANZ loans for the short term as well.
Back In Auckland »
So a week away in Australia surfing and enjoying the warmth has me fired up to get ready for the next trip over there in about a month. I saw Michael Hill receive great honors at the world entrepreneur awards and it was interesting listening to him talk about what he would like to do next. Our share market was off to a flying start this morning [...]
