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Finance

Your guide to finance

The History of the Dow Jones: A Global Financial Benchmark

The Dow Jones Industrial Average (DJIA), often simply referred to as “the Dow”, has become one of the most recognisable

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Securing a Loan with Bad Credit in 2024

In today’s financial landscape, having a less-than-stellar credit score doesn’t necessarily mean you’re out of options when it comes to

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Where’s My Taxes

Allocation of Taxes: Understanding Where Your Contributions Go In a country with a robust social welfare system and numerous public

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The Danger of Only Making Minimum Credit Card Payments

Credit cards are a convenient financial tool, offering flexibility and rewards for everyday purchases. However, the convenience can come at

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The Consequences of Insurance Fraud: Legal and Financial Impacts

Insurance fraud is a significant issue that affects not only the insurance industry but also the broader economy and community.

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The Benefits of Working with a Fee-Only Financial Planner

In the pursuit of financial security and wealth management, many individuals turn to financial advisors for guidance. Among the various

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The Benefits of Using a Mortgage Broker

Navigating the complex landscape of home loans can be daunting, especially for first-time buyers. This is where a mortgage broker

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The Benefits of Trusts for Asset Protection and Tax Planning

Trusts have long been a cornerstone of financial and estate planning, offering a range of benefits that make them an

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The Benefits of Long-Term Investing

Investing is a critical component of building wealth and securing financial stability. While there are various strategies to consider, long-term

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The Benefits of Cloud-Based Accounting Software

In today’s fast-paced business environment, cloud-based accounting software has become an essential tool for businesses of all sizes. Offering a

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The Benefits of Bundling Your Insurance Policies

In an increasingly complex world, managing multiple insurance policies can be a daunting task. Bundling insurance policies offers a practical

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The Benefits and Risks of a Revolving Credit Mortgage

A revolving credit mortgage offers a unique approach to managing home loans, providing flexibility and potential cost savings. However, like

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The Benefits and Risks of Debt Consolidation

Debt consolidation can be a powerful financial strategy for managing multiple debts. By combining various debts into a single loan,

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The Advantages of Floating Rate Loans in a Changing Market

In a dynamic financial environment, choosing the right type of loan can significantly impact your financial strategy and flexibility. Floating

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Tax Implications of Different Retirement Account Withdrawals

Navigating the tax implications of retirement account withdrawals is crucial for retirees looking to maximise their savings and maintain financial

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Tax Benefits of Using a Business Credit Card

For small business owners, managing expenses efficiently is crucial for maintaining healthy cash flow and optimising tax obligations. A business

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Tax Accounting Basics for Small Business Owners

Navigating the complexities of tax accounting is essential for small business owners to ensure compliance and optimise financial performance. Understanding

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Tailoring Your Insurance Coverage to Life Changes

Life is full of changes, and as your circumstances evolve, so too should your insurance coverage. Whether you’re getting married,

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Streamlining Your Reconciliation Process with Technology

In today’s fast-paced business environment, maintaining accurate financial records is crucial for decision-making and compliance. The reconciliation process, which involves

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Streamlining Your Accounts Payable Process

Efficient accounts payable (AP) management is crucial for maintaining a healthy cash flow and fostering strong relationships with suppliers. A

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Strategies to Improve Your Company’s Cash Flow

Effective cash flow management is vital for the financial health and sustainability of any business. It ensures that a company

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Strategies for Securing the Best Interest Rate

Securing the best interest rate on loans and mortgages is a crucial step in managing your finances effectively. A lower

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Strategies for Paying Off Your Mortgage Faster

Owning your home outright is a dream for many, and paying off your mortgage faster can make this dream a

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Strategies for Paying Off Your Loan Faster

Paying off a loan faster can significantly reduce the amount of interest paid over time and free up your finances

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Strategies for Paying More Than the Minimum

Paying only the minimum on debts such as credit cards and loans can lead to prolonged repayment periods and increased

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Strategies for Overcoming Common Financial Behaviour Pitfalls

Navigating personal finance can be challenging, and many individuals face common behavioural pitfalls that can hinder financial well-being. Understanding these

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Strategies for Investing During Volatile Markets

Investing during volatile markets can be challenging, but it also presents unique opportunities for growth. Volatility, characterised by significant price

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Strategies for Improving Your LVR

The Loan-to-Value Ratio (LVR) is a crucial metric in the world of property finance, determining how much you can borrow

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Strategies for Choosing the Right Insurance Deductible

Choosing the right insurance deductible is a crucial decision that can significantly impact your financial security and insurance costs. A

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Understanding the 3 Main Financial Statements: Balance Sheet, Income Statement, and Cash Flow Statement

For any business, understanding financial health is crucial, and the three main financial statements—balance sheet, income statement, and cash flow

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Understanding the Stock Market: A Beginner’s Guide

The stock market can seem daunting for beginners, but with the right knowledge, it becomes an accessible and valuable tool

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Understanding the Tax Implications of Estate Planning

Estate planning is a critical process for ensuring that your assets are distributed according to your wishes after your death.

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Understanding the True Cost of a Loan

When considering taking out a loan, it is crucial to understand the true cost involved beyond just the interest rate.

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Understanding Trust Accounting

Trust accounting is a critical aspect of managing trusts, ensuring transparency, compliance, and proper management of assets. This article delves

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Understanding Unsecured Loans

Unsecured loans are a popular financial product that many people consider when they need funds for personal expenses or investments.

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The Role of an Insurance Broker: What You Need to Know

Navigating the complex world of insurance can be daunting, whether you’re seeking coverage for personal assets or business interests. This

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The Role of a Mortgage Broker in Securing a Home Loan

Navigating the home loan process can be complex and time-consuming. For many prospective homeowners, engaging a mortgage broker can be

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The Benefits and Risks of SMSFs

Self-managed superannuation funds (SMSFs) have become an increasingly popular choice for those seeking greater control over their retirement savings. However,

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Strategies for Paying Off Credit Card Debt

Credit card debt can be a significant financial burden, but with a strategic approach, it is possible to pay it

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Strategies for Effectively Paying Off Debt

Debt can be a significant burden, impacting your financial well-being and peace of mind. However, with the right strategies, you

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Strategies for Building Wealth at Any Income Level

Building wealth is a goal shared by many, but it can often seem daunting, especially for those with modest incomes.

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Security Measures for Contactless Credit Cards

Contactless credit cards have revolutionised the way we make payments, offering convenience and speed. However, with the rise of this

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Secured vs. Unsecured Personal Loans: Which is Right for You?

When considering a personal loan, one of the first decisions you’ll face is whether to opt for a secured or

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Risks and Rewards of Short-Term Trading

Short-term trading, often characterised by buying and selling financial instruments within a brief period, can be an alluring strategy for

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Risk Management Techniques for New Investors

Embarking on the investment journey can be both exciting and daunting, especially for new investors. Understanding and managing risks is

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Rewards vs. Cashback: Which is Better for You?

When it comes to choosing a credit card, one of the most significant decisions you’ll face is whether to opt

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Responsible Credit Card Use for Students

For many students, obtaining a credit card is a significant step towards financial independence. However, with this newfound freedom comes

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Resources for Improving Your Financial Knowledge

In today’s complex financial landscape, having a solid understanding of personal finance is essential. Whether you’re looking to manage your

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Reinvesting Dividends: A Path to Wealth

Investing in shares that pay dividends is a popular strategy for many investors seeking both income and growth. However, a

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Refinancing vs. Second Mortgage: What’s the Difference?

Navigating the world of home loans can be complex, especially when considering options like refinancing and taking out a second

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Refinancing Pitfalls to Avoid

Refinancing a mortgage can be an enticing prospect, especially when interest rates fluctuate or personal financial circumstances change. However, while

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Recent Changes in Superannuation Laws

The landscape of superannuation laws has undergone significant changes recently, reflecting the government’s efforts to adapt to economic conditions and

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Recent Changes in Corporate Tax Laws

The corporate tax landscape has seen significant changes recently, reflecting the government’s ongoing efforts to adapt to economic conditions and

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Qualifying for a Construction Loan: What You Need to Know

Building your dream home is an exciting journey, but securing the right financing can be a complex process. Construction loans

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Protecting Your Financial Future: The Importance of Insurance in Your Financial Plan

In the unpredictable world we live in, safeguarding your financial future is more crucial than ever. Insurance plays a vital

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Preparing for an Audit: A Step-by-Step Guide

Preparing for an audit can be a daunting task, but with the right approach and understanding of the process, it

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Pre-approval vs. Full Approval: Understanding the Difference

When embarking on the journey of buying a home, understanding the distinction between pre-approval and full approval is crucial. Both

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Planning for Healthcare Costs in Retirement

As Kiwis approach retirement, planning for healthcare costs becomes an essential part of ensuring financial stability and peace of mind.

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Overcoming Challenges in Self-Employed Home Loans

For self-employed individuals, securing a home loan can be a complex and often frustrating process. Unlike salaried employees, those who

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Options for Home Buyers with Low Deposits

For many aspiring homeowners, the challenge of saving for a substantial deposit can be a major barrier to entering the

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Online vs. Broker: Best Ways to Compare Insurance

In the digital age, the process of buying insurance has evolved significantly, offering consumers more options than ever before. Whether

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Online Tools for Comparing Credit Cards

In today’s digital age, finding the right credit card can be a complex task, given the myriad of options available.

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Offset Mortgages vs. Traditional Mortgages: Which is Better?

When considering a home loan, it’s essential to understand the different types of mortgages available and how they can impact

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NZ Banks’ Debt-to-Income Requirements: A Comparison

In the ever-evolving landscape of home financing, understanding the nuances of debt-to-income (DTI) requirements is crucial for prospective homebuyers. As

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Navigating the Challenges of Low Deposit Mortgages

For many aspiring homeowners, the dream of owning property can be hindered by the daunting task of saving for a

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Mortgage Options for Self-Employed Kiwis

For many self-employed individuals, the dream of owning a home can seem elusive due to the unique challenges they face

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Mortgage Broker vs. Direct Lender: Which is Best for You?

When it comes to securing a home loan, the decision between using a mortgage broker or going directly to a

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Mortgage Broker vs. Direct Bank: Pros and Cons

Navigating the home loan landscape can be a daunting task, especially when deciding whether to use a mortgage broker or

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Pros and Cons of Unsecured Loans

Unsecured loans have become a popular financing option for many individuals and businesses, offering the advantage of borrowing without the

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Pros and Cons of Taking a Mortgage Holiday

In times of financial stress, taking a mortgage holiday can seem like an appealing option for homeowners struggling to meet

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Pros and Cons of Secured Loans

Secured loans are a popular financing option for both individuals and businesses, offering a way to access larger amounts of

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Pros and Cons of Robo-Advisors vs. Human Financial Planners

The financial advisory landscape has evolved significantly with the advent of technology. Robo-advisors have emerged as a popular alternative to

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Pros and Cons of Peer-to-Peer Lending

Peer-to-peer (P2P) lending has gained traction as an alternative financing method, connecting borrowers directly with individual investors through online platforms.

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Pros and Cons of Non-Bank Lenders vs. Traditional Banks

In the evolving financial landscape, borrowers have more choices than ever when it comes to securing loans. Traditional banks and

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Pros and Cons of No Annual Fee Credit Cards

No annual fee credit cards have become an attractive option for many consumers, offering a cost-effective way to manage finances

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Pros and Cons of Interest-Only Mortgages

Interest-only mortgages have emerged as a strategic financial tool for certain borrowers, offering unique benefits and challenges. These loans allow

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Pros and Cons of Interest-Only Loans

Interest-only loans have become a notable option for borrowers seeking flexibility in their financial strategy. These loans allow borrowers to

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Pros and Cons of Floating Rate Loans

Floating rate loans, also known as variable rate loans, offer a dynamic alternative to fixed rate loans, with interest rates

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Pros and Cons of Fixed Rate Mortgages

Fixed rate mortgages are a popular choice for many homeowners, offering stability and predictability in an often volatile financial environment.

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Pros and Cons of Different Business Loan Types

For entrepreneurs, accessing the right type of business loan can be crucial to achieving growth and sustainability. With a variety

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Pros and Cons of Bridging Finance

Bridging finance can be a useful tool for those looking to purchase a new property before selling their existing one.

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Pros and Cons of Balance Transfer Credit Cards

Balance transfer credit cards can be a valuable tool for managing and reducing debt. They offer a way to transfer

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Minimum Deposit Requirements for Different Lenders

Navigating the property market can be challenging, especially when it comes to understanding the deposit requirements for securing a home

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Maximising Your Social Security Benefits: Strategies to Consider

For many retirees, social security benefits form a crucial part of their retirement income. Understanding how to maximise these benefits

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Maximising Your Retirement Savings: Strategies for Every Age

Retirement planning is a crucial aspect of financial management, and starting early can make a significant difference in the quality

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Maximising Your KiwiSaver for a Home Deposit

For many Kiwis, purchasing a first home is a significant milestone, and KiwiSaver has become an essential tool in achieving

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Maximising Savings with an Offset Mortgage

An offset mortgage is an innovative financial tool that can help homeowners reduce their interest costs and pay off their

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Mastering the Balance Sheet: A Comprehensive Guide

A balance sheet, also known as a statement of financial position, is a crucial financial document that provides a snapshot

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Mastering Journal Entries: A Beginner’s Guide

Journal entries are the cornerstone of any accounting system, serving as the primary method for recording financial transactions. For beginners,

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Manual vs. Digital Bookkeeping: Which is Right for You?

Choosing between manual and digital bookkeeping is a critical decision for any business owner. Each method has its unique advantages

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Manual vs. Digital Bookkeeping: Pros and Cons

In today’s business environment, effective bookkeeping is essential for financial management and decision-making. Choosing between manual and digital bookkeeping methods

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Managing Your Finances with a Revolving Credit Mortgage

A revolving credit mortgage is a unique financial tool that can offer flexibility and potential savings for those who manage

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Managing Risk with a Floating Rate Mortgage

Navigating the mortgage landscape can be challenging, especially when considering the implications of interest rate fluctuations. A floating rate mortgage,

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LVR Restrictions: Current Rules and Implications

Loan-to-value ratio (LVR) restrictions are a critical component of the housing finance landscape, designed to maintain financial stability and curb

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Low Interest vs. Rewards Cards: Which Suits Your Needs?

Choosing the right credit card can significantly impact your financial health and spending habits. Among the various types of credit

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Low Deposit Options for NZ Home Buyers

The dream of owning a home can often feel out of reach, especially when faced with the daunting task of

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Leasing vs. Buying: Which is Better for Your Next Car

Deciding whether to lease or buy a car is a significant financial decision that can impact your budget and lifestyle.

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KiwiSaver First Home Withdrawal: Eligibility and Process

For many Kiwis, purchasing a first home is a significant milestone, and KiwiSaver has become a vital tool in achieving

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KiwiSaver and First Home Withdrawals: What You Need to Know

For many aspiring homeowners, KiwiSaver has become an invaluable tool in making the dream of owning a home a reality.

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Key Tools and Techniques in Managerial Accounting

Managerial accounting plays a crucial role in helping businesses make informed decisions by providing detailed financial and non-financial information. It

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