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Posted: 22 August 2010
We’re told that on our way to work we’re liable to see up to 1500 ads all intent on convincing us their product is the solution to one or other of our problems. The interesting question is, how do we distinguish what really has the capacity to change our personal situation for the better, especially when the value of money has proved so changeable? Prior to the credit crunch we had assets and investments and ...
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Posted: 22 August 2010
When one looks at the dollar amount invested in finance company debentures, some of this press is quite justified, but it does beg the question - what do investors expect of their adviser, and, if they receive good advice, do they adhere to it? Fact 1: Investment advisers do not and cannot control investment markets. Fact 2: Investors need to establish a clear expectation of what they want from their investments, why they are investing, ...
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Posted: 22 August 2010
Many New Zealanders are finding themselves between a rock and a hard place. This is because we face high interest rates on our debts and our taxation rates are also high per dollar earned. And if that isn’t enough there is a steady increase in the cost of food and petrol charges fluctuate with the market. So often our incomes just don’t seem to stretch far enough. Another factor is that, given the current financial ...
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Posted: 22 August 2010
A family trust is created when a person ( Settlor ) transfers property to other nominated persons ( Trustees ) for the benefit of the persons named or described in a trust deed ( Beneficiaries ). 1. A family trust is able to own, sell, invest and manage any assets transferred to it or purchased by it in the same way as an individual can. All family trusts oblige the Trustees to manage the family ...
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Posted: 15 July 2010
I picked up on a note on the in magazine notice board in Investor March 2010 It simply stated that a dollar saved is worth more than a dollar earned. The simple reason being that the saved dollar earns interest. The example stated showed how $1 saved became $2.16 ten years later if invested to compound at eight percent. If you were looking at thousands of dollars invested obviously the result is that much better. ...