Cheques and Balances

Join James and Mike on this weeks episode of Cheques & Balances, where they are joined by Business Accountant Andrew Higgs. It has been incredibly difficult for business owners over the last two years. As Lockdown restrictions continue and there is the possibility of future lockdowns, it is important business owners are doing everything they can to protect their business. Quite a few business...

Join James Blair and Michael Vincent of Lighthouse Financial Services in their weekly podcast Cheques & Balances. In part two of this week's episode, we're joined once again by CEO & founder of PocektSmith Jason Leong as we discuss the future of finance, what open banking is and when it may arrive in NZ and what will the roles of banks be in the future? The content in this podcast are the...

Join James Blair and Michael Vincent of Lighthouse Financial Services in their weekly podcast Cheques & Balances. In this week's episode, we're joined by CEO & Founder of PocektSmith Jason Leong as we discuss the creation of Pocketsmith, how it can be used as a tool to help you achieve your financial goals, different ways to budget, and AfterPay. The content in this podcast are the opinion...

In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss their top 5 tips for lockdown. In this week's episode, we share our tips on how you can make the most out of lockdown from a financial perspective. The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own pers...

Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances. In this weeks episode, James and Mike share their predictions over the next 12 to 24 months. Cryptocurrency is set to fall to the floor, the housing market boom will continue as the world returns to normality from Covid-19 and sharp interest rate rises. The content in this podcast is the opinions of the hosts. It...

Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances. In this week's episode, we discuss our beginner's guide to insurance, why it is important you should insure yourself given your financial situation, and the implications of being either over or underinsured. Why do I need insurance? Doesn't ACC provide me with compensation if I'm off work? These are some of the mo...

Join James and Mike in this week's episode of Cheques & Balances where they provide a beginner's guide to investment property. They are joined once again by property guru and Managing Director of Lighthouse Financial services Matt Harris as they discuss Matt's wealth creation journey, the different ways you can grow your wealth through property, common client questions, and the best way to get...

Join James Blair and Michael Vincent in their weekly podcast 'Cheques & Balances'. In this week's episode, we discuss our top 5 tips to help you plan for retirement. Do you have a plan for retirement? Are you prepared to take advantage of 'the sprint' once you become debt-free on your owner-occupied? These are all relevant questions you should be asking yourself as you head into retirement. Th...

In this week's episode of Cheques & Balances, James Blair and Michael Vincent are joined by special guest Hayley Robertson financial advisor at Lighthouse Wealth. They discuss the current gap between men's and women's superannuation and why on average women have 12% less in their KiwiSaver for retirement. The content in this podcast are the opinions of the hosts. It should not be treated as fi...

Join James Blair and Michael Vincent in their weekly podcast 'Cheques & Balances'. In this week's episode, we answer the burning question, Are interest rates on the rise? And different ways you can structure your mortgage. Interest rates have been historically low over the past 18 months. With inflation around the corner and the reserve bank signalling a rise in the OCR, it's not a matter of i...

In this week's episode of Cheques & Balances, James Blair and Michael Vincent are joined by special guest Hayley Robertson financial advisor at Lighthouse Wealth. They tackle their top 5 tips to become financially literate, top 5 money tips, and the importance of having a good level of financial literacy. The content in this podcast are the opinions of the hosts. It should not be treated as fi...

In this weeks episode of Cheques & Balances James Blair and Michael Vincent explain the phenomenon of lifestyle creep, how and why it can impact your future selves, how do I manage a pay rise and the best ways to mitigate lifestyle creep The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own...

In this weeks episode of Cheques & Balances special guest Matthew Harris, joins James Blair and Michael Vincent as they discuss the recent housing policy changes, the proposed debt to income ratios, and interest deductibility. Do you know what constitutes a new build under the recently proposed housing policy changes? What does the proposed debt to income ratios mean for property investors? Av...

In this weeks episode of Cheques & Balances James Blair and Michael Vincent how to set up a budget, budgeting tips, How to automate your budget and How do I budget for a house? If you want to achieve financial freedom one of the most important steps is managing your budget. If you can manage your budget effectively you can pay down debt and invest which will lead you to financial freedom signi...

Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances. In this weeks episode, we're joined once again by special guest Shaun McGivern, Partner at law firm Haigh Lyon. Shaun shares his 20 years of legal experience with us on this weeks episode. A will is one of those areas where you know it's important but never get around to it. Shaun helps us answer questions we get...

Join James Blair and Michael Vincent in this week's special episode of Cheques & Balances, 15 for 15 with Shuan McGivern. 15 for 15 is a new series where James and Mike interview Kiwis about their journey - career, wealth creation, successes, failures and advice for others. Shaun has spent 20 years as a Lawyer. Shaun shares his story to work all the way to the partner of a law Haigh Lyon. He a...

Join James Blair and Michael Vincent of Lighthouse Financial Services in their weekly podcast 'Cheques & Balances'. In this weeks episode, we're joined by special guest Shaun McGivern as we talk answer how can a lawyer help you when purchasing a property? What should I expect from my lawyer? Shaun is a Partner at Haigh Lyon and has been a lawyer for over 20 years. He specialises in property la...

Join James Blair and Michael Vincent in their weekly podcast, Cheques & Balances. In this weeks episode, we discuss the governments recent changes to the default KiwiSaver scheme. We also answer, which KiwiSaver is right for you? What is a default provider? How much could my Kiwisaver be by retirement? James Blair and Michael Vincent are Financial Advisers who have 20 years of experience combi...

Join James Blair and Michael Vincent in their weekly podcast, Cheques & Balances. In this weeks episode, we ask should I upgrade my home? If I upgrade my home how much longer will I have a mortgage? Should I renovate my home? Many of us buy our first home and it is great at the time. Over time our life changes though, our income goes up and we want more. We explore how much longer you may have...

In this weeks episode of Cheques & Balances James Blair and Michael Vincent discuss should I pay down debt or invest? Should I clear my mortgage or should I invest in index funds? It's a very topical question with record low-interest rates and appealing returns in other areas. On this episode, James and Mike have a friendly debate. James is pro clearing off the mortgage faster and Mike pro, in...

In this weeks episode of Cheques & Balances James and Mike discuss the different types of short term debt, how to debt out of debt? Should I have a credit card? When is it okay to use after pay? The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making...

Join James and Michael for this weeks episode of Cheques & Balances where they answer How do I help my kids get on the property ladder | How do I give my kids a head start in life? It's hard enough for first home buyers to get on the property ladder. Imagine how hard it will be for your kids in 20 years! Mike and James run into this problem every day. They share their thoughts and some simple...

Join James and Mike on this weeks episode of Cheques & Balances where they provide an introduction to the share market. James and Mike explain what is a share and also different ways to invest in the share market. They talk through the different share trading platforms, active investing, direct investing and passive investing. The content in this podcast are the opinions of the hosts. It shoul...

Join James and Mike for their weekly podcast, Cheques & Balances. In this weeks episode we tackle a common goal we see - how do we achieve financial freedom early. This may be having the option to retire at 50. We talk about what does early retirement mean? And different scenarios and incomes which can get you to this goal. The content in this podcast are the opinions of the hosts. It should n...

Join James and Mike for their weekly podcast Cheques & Balances. This week is part two of the first home buyers series. In this episode, Micheal Vincent runs us through how much you may be able to borrow for your first home. We also discuss how to best use KiwiSaver, ongoing costs of owning a home and first home buyer grants. The content in this podcast are the opinions of the hosts. It should...