Cheques and Balances

On this week's episode, we're joined by Elle Wuthrich, Insurance Adviser at Lighthouse to talk through 5 common myths around insurance. Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before maki...

This week we’re joined by Elle Wuthrich, Insurance Adviser at Lighthouse to talk about health insurance and why you need it. Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial de...

With the 5% First Home Loan Deposit, effective 1st June 2022, you can now purchase a property for any price and only need a 5% deposit. We're joined by Laura Sheehan, our mortgage expert, to go through the requirements to get one and what you can get for your money. Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts. It should n...

Since interest deductibility is being phased out, most Kiwi investors have paid little attention to how this will affect them and haven't considered how much of an impact this is going to have on their cashflow. Now, a year later, people are starting to feel the bite, so it's a good time to bring up a case study on the changes. Hosted on Acast. See acast.com/privacy for more information. T...

On this episode, we go through our 2021 predictions to see if we were right and give our 2022 predictions for the year. Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisio...

Mike and James answer the question on whether you are behind on your retirement savings. On this episode, we deep dive into how much different retirement lifestyles cost, what the average KiwiSaver balance is and how much you should have saved in your 20's, 30's, 40's and 50's for a comfortable retirement. See the full article here: https://lighthousefinancial.co.nz/are-you-behind-...

Interest rates, inflation and interest limitation changes mean that owning a rental property has become significantly more expensive. On this episode, James and Mike go through 5 cashflow tips you might not have thought of to squeeze some extra cash out of your property.  Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts. It should...

In this episode, Mike and James look into why one of NZ's largest KiwiSaver conservative funds reported bigger losses than most growth funds. A deep dive into Simplicity and what you should be looking out for in a KiwiSaver provider. Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts. It should not be treated as financial advice...

On this episode, James and Mike explain exactly what a recession is, what happens when recessions occur and why they might be a good thing. Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making a...

Interest rates have moved from record lows of 1.95% to 5.25% in the space of 12 months. This is an average repayment increase of $30,000 per year! James and Mike give some insight into current market sentiment, the economics behind rising interest rates and what you should do! Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts. It s...

The recent Government's Budget 2022 announcement has made it easier for Kiwis to get into their first home! See how these changes could affect you. Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals bef...

On this weeks episode of Cheques & Balances Mike and James discuss all of the recent media doom and gloom regarding increasing interest rates, inflation and even a recession. Learn what you should be doing when you read clickbait articles online. Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts. It should not be treated as fin...

It is becoming more difficult to get a mortgage from a bank. With inflation, rising interest rates, banks increasing their test rates, record house prices, you need all the help you can get. On this week's episode of Cheques & Balances, Mortgage Broker, Mike Vincent answers some very important questions regarding getting a mortgage in New Zealand. Did you know your afterpay can impact your...

With the market volatility at the moment, what should you do with your investments? Well, that depends on what your goals are. Find out more about why the markets are down, is now a good time to purchase shares, and whether it's time to get add a financial adviser to your life. Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts....

Who are the winners and losers when it comes to the streaming giants Netflix and Disney? For the first time since its inception, Netflix lost subscribers. Doesn't help that there are 100 million shared passwords for accounts but where there is a market, there's a way. Also, love him or hate him, Elon Musk has bought Twitter for a premium. Although he claims it was to maintain a platform wi...

Global supply chains have been affected due to Covid and the war between Ukraine and Russia. People are demanding more and the supply isn't able to keep up which is pushing up prices. The cost of goods is going up and then there is inflation. To fix or not to fix? That is the question. Many people are concerned about what they should do with their mortgages. If interest rates go above 5%, this...

Join James and Mike in this week's episode of Cheques & Balances as they discuss crypto. They are joined by James Cochrane a crypto law expert and Partner at Stace Hammond. There are over 13,000 different crypto coins so how do you know which one to take a punt on? What are stable coins? Find out how James does his due diligence and the concept of "too big to fail". Keep up with the play and f...

Join James and Mike in this week's episode of Cheques & Balances as they discuss crypto. They are joined by James Cochrane a crypto law expert and Partner at Stace Hammond. Which coins will be the winners and losers? Nations are adopting it and Ukraine legalised it. In El Salvador there is no tax on crypto and NZ hasn't established laws for it just yet. Tonga is looking at it currently as lega...

Join James and Mike in this week's episode of Cheques & Balances as they discuss crypto. They are joined by James Cochrane a crypto law expert and Partner at Stace Hammond. This is the second episode of four which breaks down crypto language, where it started, Ethereum, Metcalfe's law, and bitcoin mining to name a few. Find out more with our latest episode. Disclaimer: This podcast is not inte...

Join James and Mike in this week's episode of Cheques & Balances as they discuss crypto. They are joined by James Cochrane a crypto law expert and Partner at Stace Hammond. This is the first episode of four which breaks down crypto language, where it started, how blockchain works, the different types of wallets or coins, and the risk. Find out more with our latest episode. Disclaimer: This pod...

Join James and Mike in this week's episode of Cheques & Balances as they discuss The Secret Problem. They are joined by Ben Brinkerhoff who is Head of Advice at Consilium, a business specialising in investment solutions. Have you ever thought about flying business class and couldn't bring yourself to pay for it? You thought it was wasteful or had some other reason you couldn't part with the mo...

Join James and Mike in this week's episode of Cheques & Balances as they discuss the science of regret. They are joined by Ben Brinkerhoff who is Head of Advice at Consilium, a business specialising in investment solutions. There are things you should've done and there are things you could've done. Many of us go through life wondering what if? Find out which regret is the most common amongst p...

Join James and Mike in this week's episode of Cheques & Balances as they discuss goal based planning. They are joined by Ben Brinkerhoff who is Head of Advice at Consilium, a business specialising in investment solutions. Did you know that your spending decreases by 1% each year between your late 40's to mid 80's? If you want to make sure you are spending your wealth when you're healthy and st...

Join James and Mike in this week's episode of Cheques & Balances as they discuss why you can't put a number on happiness. They are joined by Ben Brinkerhoff who is Head of Advice at Consilium, a business specialising in investment solutions. Do you know what the magic number is that would allow you to stop working? If you needed freedom from work, what would it give you the freedom to do? List...

Join James and Mike in this week's episode of Cheques & Balances as they discuss the reasons behind why it's so hard to get a mortgage. What is the CCCFA? The changes being made to this act have ultimately stopped many first home buyers from getting on the property ladder and many others from securing finance. But is it the be-all and end-all? Having a mortgage adviser on your side can help yo...