46% of Kiwis are worried about money. Whether it is just making it to the next payday, trying to get onto the property ladder, paying down credit card debt or saving for retirement.
James Blair and Michael Vincent have been in financial services in New Zealand for 20 years combined. Cheques & Balances is a weekly podcast where James and Michael share their insights on how to get ahead financially and achieve financial freedom.
Check out our website below:
lighthousefinancial.co.nz
Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.
Is Life Going To Get Easier For Business Owners In New Zealand? Ft. Kiwibank Chief Economist Jarrod Kerr | Episode 232
In this episode, we explore the potential risks facing New Zealand's economy. We also dive into the challenges businesses face in navigating costs, redundancies, and positioning themselves for future growth opportunities.
This episode is proudly sponsored by Partners Life.
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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 decisions.
10/24/2024 • 20 minutes, 57 seconds
Should You Invest In Your Company? Ft. Orchestra CEO & Sharesies Product Lead Luke Smith | Episode 231
We explore the intriguing question of whether investing in your own company is a smart move with insights from Luke Smith, Senior Product Lead at Sharesies and CEO of Orchestra.
This episode is proudly sponsored by Partners Life.
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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 decisions.
10/22/2024 • 46 minutes, 32 seconds
Christmas Budgeting: How to Save and Spend Wisely This Holiday Season | Episode 230
In this episode of The Takeover, we share practical tips for saving money and sticking to your budget this Christmas, from prioritising experiences over expensive gifts to using a shopping list and comparing prices.
This episode is proudly sponsored by Partners Life.
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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 decisions.
10/20/2024 • 29 minutes, 19 seconds
CPI & Inflation Data Update: What’s Next For New Zealand? Ft. Kiwibank Chief Economist Jarrod Kerr | Episode 229
We’re joined once again by Kiwibank Chief Economist Jarrod Kerr to discuss the latest CPI and inflation data, offering insights into how these shifts are shaping New Zealand's economic future.
This episode is proudly sponsored by Partners Life.
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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 decisions.
10/17/2024 • 32 minutes, 51 seconds
Mike & James Just Bought 12 Houses! Ft. Ilse Wolfe (Part 2) | Episode 228
We dive into our latest multi-unit renovation project, where we’ve bought 12 houses in Upper Hutt. We share the challenges we faced, from managing tight timelines to balancing budgets, and explain how we plan to maximise value through renovations and increased rents.
This episode is proudly sponsored by Partners Life.
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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 decisions.
10/15/2024 • 50 minutes, 36 seconds
The New Accounting Changes That Could Save You Thousands Ft. Matthew Harris | Episode 227
We explore the details of business structuring in New Zealand, highlighting the pros and cons of look-through companies (LTCs).
This episode is proudly sponsored by Partners Life.
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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 decisions.
10/13/2024 • 56 minutes, 14 seconds
Mike & James Just Bought 12 Houses! Ft. Ilse Wolfe (Part 1) | Episode 226
In this episode, we share our journey of purchasing 12 houses, discussing our financial goals and the initial hesitations we faced. With Ilse Wolfe’s guidance, we explore the challenges of investing in an unfamiliar market and reflect on key lessons learned so far. Keep an eye out for part 2!
This episode is proudly sponsored by Partners Life.
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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 decisions.
10/10/2024 • 22 minutes, 22 seconds
How Will the Next OCR Announcement Impact New Zealand? Our Predictions and Insights Ft. Matt Harris | Episode 225
In this episode, we explore the potential outcomes of the upcoming OCR announcement and its impact on the economy.
This episode is proudly sponsored by Partners Life.
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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 decisions.
10/7/2024 • 18 minutes, 5 seconds
How To Get Retirement Ready | Episode 224
We explore the essential steps to getting retirement ready, covering how to build a solid financial plan, invest smartly in property and managed funds, and manage your finances effectively for long-term success.
This episode is proudly sponsored by Partners Life.
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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 decisions.
10/6/2024 • 59 minutes, 40 seconds
How Retirement is Transforming in the 21st Century | Episode 223
This episode explores how the concept of retirement has evolved. We discuss New Zealand’s public pension system and modern financial strategies for navigating longer retirements.
This episode is proudly sponsored by Partners Life.
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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 decisions.
10/3/2024 • 11 minutes, 37 seconds
The Future of Banking in New Zealand Ft. Akahu Co-Founder Josh Daniell | Episode 222
We sit down with Josh Daniell, Co-Founder of Akahu, to discuss the future of banking in New Zealand, from the latest trends in open banking to its potential impact on consumers.
This episode is proudly sponsored by Partners Life.
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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 decisions.
10/1/2024 • 32 minutes, 32 seconds
Principles Of Building Wealth | Episode 221
In this episode, we delve into the principles of building wealth and share actionable steps you can take today to achieve long-term financial freedom amidst today’s economic challenges.
This episode is proudly sponsored by Partners Life.
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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 decisions.Re
9/29/2024 • 57 minutes, 20 seconds
How To Build Wealth In Your 40s | Episode 220
We break down the top ways to build wealth in your 40s, whether you’re at the peak of your career and own property or starting fresh.
This episode is proudly sponsored by Partners Life.
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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 decisions.Re
9/26/2024 • 16 minutes, 55 seconds
How Much Does It Cost To Raise Children In New Zealand? | Episode 219
We explore the financial implications of having kids versus not having them, delving into key considerations for prospective parents. Covering key topics such as parental leave, the financial strain of upgrading homes, and the often unexpected costs of raising children.
Check out Crayon and our past episode with Stephanie Pow!
This episode is proudly sponsored by Partners Life.
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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 decisions.Re
9/25/2024 • 20 minutes, 34 seconds
5 Steps To Grow Your Wealth Ft. Luke Kemeys & Tom Hartmann | Episode 218
In this special webinar episode, we sit down with Luke Kemeys from Keep The Change and Tom Hartmann, Sorted’s Personal Finance Lead, to walk us through five essential steps to grow your wealth. From building a $1,000 emergency fund to clearing high-interest debt, we cover key strategies to help you take control of your finances and start investing for the future.
This episode is proudly sponsored by Partners Life.
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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 decisions.Re
9/22/2024 • 1 hour, 30 minutes, 49 seconds
From $94,000 in Debt to Debt-Free in 3 Years Ft. Tracy Hemingway | Episode 217
We chat with Debt Free Diva, Tracy Hemingway, who shares her inspiring journey of paying off $94,000 in just three years. Tracy reveals how she hustled to increase her income, slashed expenses, and mastered budgeting, all while maintaining a balanced life.
This episode is proudly sponsored by Partners Life.
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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 decisions.
9/19/2024 • 49 minutes, 57 seconds
Survive ’Til 2025: How to Navigate Tough Economic Times | Episode 216
In this episode, we explore actionable strategies to navigate the economic downturn, highlighting the critical need to understand your finances, reduce unnecessary expenses, and set realistic expectations during tough financial times.
This episode is proudly sponsored by Partners Life.
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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 decisions.Re
9/17/2024 • 10 minutes, 26 seconds
How To Build Your Financial Plan Ft. Matthew Horncastle | Episode 215
We’re joined by Matthew Horncastle, Managing Director of Williams Corporation, to discuss how to build a bulletproof financial plan. We share the key steps and strategies to help you create a robust financial plan and achieve long-term financial stability.
This episode is proudly sponsored by Partners Life.
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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 decisions.Re
9/15/2024 • 1 hour, 43 minutes, 38 seconds
The Hidden Costs of Breaking A Fixed Rate Home Loan | Episode 214
We look into the true cost of breaking a fixed rate mortgage and why it might cost you more than expected.
This episode is proudly sponsored by Partners Life.
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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 decisions.Re
9/12/2024 • 15 minutes, 8 seconds
Buying A Home In Your 50's? Here’s Everything You Need To Know | Episode 213
Buying a house in your 50’s can be a significant financial decision, with both advantages and potential risks. We breakdown the risks involved and factors to consider when determining if taking on a mortgage later in life is financially viable.
Tune in to our episode on ‘How To Help Your Parents If They Are Behind Financially’ here.
This episode is proudly sponsored by Partners Life.
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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 decisions.Re
9/10/2024 • 18 minutes, 33 seconds
The Future of Retirement in New Zealand Ft. Retirement Commissioner Jane Wrightson | Episode 212
Retirement planning is one of the most critical financial decisions we will ever make. We sit down with Retirement Commissioner, Jane Wrightson, to explore the evolving landscape of retirement in New Zealand, the role of KiwiSaver, and the challenges we face as our population ages.
This episode is proudly sponsored by Partners Life.
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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 decisions.Re
9/9/2024 • 48 minutes, 56 seconds
Protect Your Finances: How To Spot Pyramid Schemes & Scams In New Zealand | Episode 211
We explore the rise of financial scams in New Zealand, from Ponzi schemes to boiler room scams and pyramid schemes. Learn the key warning signs, how to protect yourself, and hear real-life stories.
If you believe you’ve been scammed or have encountered a scam attempt, you can report it through the following resources:
https://www.dia.govt.nz/Spam-How-to-Report-Scams
https://www.consumerprotection.govt.nz/general-help/scamwatch/report-a-scam
https://www.fma.govt.nz/contact/
This episode is proudly sponsored by Partners Life.
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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 decisions.Re
9/6/2024 • 35 minutes, 58 seconds
How Much Of Your Lifetime Earnings Is Taken Away In Tax? Ft. Andrew Higgs | Episode 210
We dive deep into the surprising amount of your lifetime earnings that go towards taxes with Lighthouse Accountant, Andrew Higgs. Discover how long the average Kiwi works just to pay off their lifetime tax burden and why those in the bottom 10% of earners face an even steeper uphill battle.
This episode is proudly sponsored by Partners Life.
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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 decisions.Re
9/3/2024 • 19 minutes, 21 seconds
Why 2025 is Going to Be Better Than 2024 Ft. Reagan White | Episode 209
Guest host Reagan White, from Where’s My Money?, joins us to discuss why 2025 is set to be a better year than 2024, with a particular focus on improving interest rates and the overall economic outlook. We dive into how the Reserve Bank’s decisions and the current economic climate could set the stage for a brighter future.
This episode is proudly sponsored by Partners Life.
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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 decisions.Re
9/1/2024 • 17 minutes, 48 seconds
The Top Money Lessons Learned From NZ's Finance Experts Ft. Reagan White | Episode 208
Reagan White returns to share lessons from his financial journey and podcast insights. We explore what he’s learned from his guests and how these lessons have shaped his money approach.
This episode is proudly sponsored by Partners Life.
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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 decisions.Re
8/30/2024 • 37 minutes, 52 seconds
Navigating a $1 Million Debt Crisis: Interest Rates & Cost of Living Ft. Reagan White | Episode 207
We sit down with Reagan White, host of the Where’s My Money? podcast, as he opens up about his personal experience tackling and managing a daunting $1 million in debt.
This episode is proudly sponsored by Partners Life.
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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 decisions.Re
8/27/2024 • 46 minutes, 32 seconds
Why 56% of Kiwis Are Struggling with Their Finances Ft. Sorted Personal Finance Lead Tom Hartmann | Episode 206
We sit down with Tom Hartmann, Personal Finance Lead at Sorted, to delve into the pressing issue of financial struggle among New Zealanders. Despite advancements in financial literacy, a staggering 56% of Kiwis are grappling with their finances.
This episode is proudly sponsored by Partners Life.
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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 decisions.Re
8/25/2024 • 42 minutes, 2 seconds
How Much Money Do You Need When Moving To Another Country? | Episode 205
We explore personal finance advice shared on the NZ Reddit community, determining if the advice given is solid or questionable.
This episode is proudly sponsored by Partners Life.
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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 decisions.
8/22/2024 • 24 minutes, 44 seconds
How to Build Financial Literacy from an Early Age Ft. SquareOne Co-Founder Jovan Pavlicevic | Episode 204
We discuss the importance of financial literacy for children with Jovan Pavlicevic, Co-Founder of SquareOne, a platform dedicated to empowering the next generation with essential money management skills–sharing insights into how SquareOne is making a difference in the financial education landscape.
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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 decisions.
8/20/2024 • 50 minutes, 20 seconds
Interest Rate Update: How Long Should You Fix Your Mortgage For? | Episode 203
From the high rates of the past to the current easing trends, we explore how these changes affect your wallet and offer insights on navigating the shifting financial landscape.
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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 decisions.
8/18/2024 • 15 minutes, 43 seconds
Quarterly Update: OCR Cut to 5.25% – What It Means for Kiwi Finances & Housing Market | Episode 202
We dive into the latest market developments from April to June 2024, discussing the impact of AI stock fluctuations, the S&P 500’s performance, and New Zealand’s economic challenges. Despite market volatility, we highlight the resilience of bonds and anticipate potential benefits from recent OCR cuts.
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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 decisions.
8/14/2024 • 14 minutes, 12 seconds
Should We Tax The Rich? Responding To Your YouTube Comments… | Episode 201
We dive into your reactions and insights from our recent conversation with Jarrod Kerr, Kiwibank’s Chief Economist, covering everything from tax policies to housing market trends.
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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 decisions.
8/13/2024 • 19 minutes, 33 seconds
How Simplicity Plans 100 Years Ahead Ft. Simplicity Founder Sam Stubbs | Episode 200
We’re joined once again by Sam Stubbs, the visionary founder of Simplicity, as he discusses the long-term thinking behind Simplicity’s 100-year plan for housing in New Zealand.
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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 decisions.
8/12/2024 • 1 hour, 8 minutes, 22 seconds
What Does The Next 30 Years Look Like For New Zealand? Ft. Simplicity Founder Sam Stubbs | Episode 199
We sit down with Sam Stubbs, Founder of Simplicity Living, to discuss his extensive career journey and the innovative approach he has brought to Simplicity through life’s learnings and hard truths.
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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 decisions.
8/8/2024 • 49 minutes, 45 seconds
How To Buy Your First Home In 2024 | Episode 198
In today’s webinar special, we share practical tips and insights on how to buy your first home in 2024. Whether you’re a first-time buyer or updating your knowledge, we talk through ways to help you get started on the property ladder.
If you’re interested in organising a financial literacy webinar for your workplace and having us speak to your team, please reach out here.
For more money tips follow us on:
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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 decisions.
8/6/2024 • 58 minutes, 14 seconds
Insurance 101: When & Where To Start With Insurance | Episode 197
We explore the various types of insurance, including life, income protection, trauma, and health insurance, discussing what each covers and why they are vital for financial security. Whether you’re new to insurance or reassessing your current policies, this episode provides valuable insights to help you make informed decisions.
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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 decisions.
8/4/2024 • 38 minutes, 58 seconds
Do Kiwis Have The Worst Financial Literacy In The World? Ft. Co-CEO Of Banqer Simon Brown | Episode 196
We sit down with Simon Brown, Co-CEO of Banqer, to delve into the state of financial literacy in New Zealand and beyond. Simon shares his expertise on how Banqer is revolutionising financial education through its innovative online platform, which simulates real-world financial scenarios.
The Money Month Challenge is a free two-week online challenge to help you build your financial capability, confidence and ultimately well-being! Register now! The challenge starts on the 12th of August and runs for two weeks. Everyone in Aotearoa New Zealand is welcome to register. Sign up with your colleagues, whānau, friends or community group. Learn as you play and compete to win over $7,000 worth of prizes thanks to our Partner and sponsor Partners Life: https://banqer.co/nz/money-month
This episode is proudly sponsored by Partners Life: https://www.partnerslife.co.nz/
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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 decisions.
8/1/2024 • 22 minutes, 12 seconds
How To Make Money Decisions In A World Of Inflation, Rising Interest Rates and Investment Volatility | Episode 195
In today’s webinar special, we dive into making smart financial decisions amid inflation, rising interest rates, and investment volatility. Covering market updates, recession survival tips, and the importance of planning.
If you’re interested in organising a financial literacy webinar for your workplace and having us speak to your team, please reach out here.
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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 decisions.
7/30/2024 • 43 minutes, 37 seconds
Why People Give Up On Property... | Episode 194
We delve into the frustrations and challenges that drive property owners to give up on their investments. As well as some personal experiences with property management pitfalls, from neglected maintenance to ineffective communication.
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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 decisions.
7/28/2024 • 20 minutes, 19 seconds
The Ultimate Guide To Good & Bad Debt | Episode 193
We explore the critical topic of debt, discussing the different types Kiwis commonly carry and how they can impact your financial health.
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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 decisions.
7/25/2024 • 39 minutes, 35 seconds
The Great Boomer Business Sell-Off | Episode 192
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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 decisions.
7/23/2024 • 22 minutes, 6 seconds
What To Expect From New Zealand's Housing Market In 2025 Ft. Kiwibank Chief Economist Jarrod Kerr | Episode 191
We’re joined by Kiwibank’s Chief Economist, Jarrod Kerr, to explore the challenges and opportunities within the New Zealand property market and broader economy. We cover everything from government housing initiatives and recent migration trends to the NZ stock market compared to the US and KiwiSaver contributions. Tune in for a deep dive into economic strategies and their implications for New Zealand's future.
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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 decisions.
7/21/2024 • 45 minutes, 38 seconds
Will Interest Rates Be At 5% By The End Of 2024? Ft. Kiwibank Chief Economist Jarrod Kerr | Episode 190
We’re joined once again by Kiwibank Chief Economist Jarrod Kerr to discuss New Zealand’s latest inflation numbers and the forecast for interest rates. We explore whether rates will drop to 5% by the end of 2024 and share insights on the current economic challenges, the anticipated fall in inflation, and the potential for a rate cut by November.
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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 decisions.
7/17/2024 • 42 minutes, 52 seconds
How The World’s Billionaires Got So Rich | Episode 189
We reveal the top 5 money tips from billionaires and how you can apply them to your own financial journey. From the importance of long-term investments and goal setting to building an emergency fund, these practical tips offer valuable insights for achieving financial success.
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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 decisions.
7/16/2024 • 23 minutes, 40 seconds
Top 5 Money Myths Debunked | Episode 188
In this episode, we unravel the top 5 money myths that many Kiwis hold. Should you avoid loaning money to friends or family? Is relying on NZ Super for retirement a safe bet? Join the discussion as we dive deep into these financial misconceptions.
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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 decisions.
7/15/2024 • 22 minutes, 24 seconds
How This Couple Went 6 Years Without Paying Rent | Episode 187
Discover the inspiring journey of a couple who lived rent-free for six years through house sitting across New Zealand. Learn how they managed to cover their mortgage and achieve financial freedom by leveraging this innovative lifestyle choice.
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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 decisions.
7/11/2024 • 12 minutes, 46 seconds
How to Build Wealth in Your 30s | Episode 186
We delve into five crucial steps to secure long-term wealth and financial stability, including creating a solid financial plan, building an emergency fund, avoiding lifestyle inflation, preparing for parental leave, and getting onto the property ladder.
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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 decisions.
7/9/2024 • 15 minutes, 13 seconds
An Introduction to Behavioural Finance: 5 Financial Biases & How to Avoid Them | Episode 185
We dive into behavioural finance, exploring five common financial biases: anchoring, loss aversion, overconfidence, framing, and recency. We break down how these biases can impact your investing decisions and daily life, offering practical tips to recognise and avoid them.This episode is proudly sponsored by Partners Life.
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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 decisions.
7/7/2024 • 23 minutes
What You NEED to Know About The New LVR Changes... | Episode 184
We discuss the recent changes to Loan-to-Value Ratios (LVRs) and how these updates impact Kiwi property buyers, breaking down the essentials you need to know and offering clear insights and practical advice for navigating the new rules.
This episode is proudly sponsored by Partners Life.
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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 decisions.
7/4/2024 • 17 minutes, 4 seconds
New Accounting Changes Could Save You Thousands in Tax Ft. Matthew Harris | Episode 183
We sit down with property investor and developer Matt Harris to discuss the new accounting changes effective from 1 July 2024, allowing for debt restructuring to achieve tax efficiency.
Join Matt and Mike for their FREE Webinar as they go through all the potential applications of these new changes and outline how these may apply to you and your situation: https://us06web.zoom.us/webinar/register/WN_8Ba3H_vuQfGuD64LaKdI6w#/registration
This episode is proudly sponsored by Partners Life.
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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 decisions.
7/2/2024 • 17 minutes, 20 seconds
Connecting a billion people from New Zealand to India – a Kiwi success story Ft. Carmen Vicelich Founder of Valocity, Data Insight & Generate Zero | Episode 182
We sat down with Carmen Vicelich, New Zealand's trailblazing serial female data and tech entrepreneur reshaping the property landscape. Through her visionary leadership and advocacy for digital innovation amidst global challenges like COVID-19, Carmen champions resilience, strategic insights, and transformative solutions to propel New Zealand towards economic prosperity and global competitiveness.
This episode is proudly sponsored by Partners Life.
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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 decisions.
6/30/2024 • 47 minutes, 3 seconds
Assessing Purchasing Power Between Generations | Episode 181
We compare the purchasing power of different generations in New Zealand by examining historical data on wages, house prices, interest rates, and living costs.
This episode is proudly sponsored by Partners Life.
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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 decisions.
6/27/2024 • 16 minutes, 47 seconds
How To Deal with Financial Loss | Episode 180
We explore the emotional impact of financial loss, strategies for learning from past mistakes, and methods to build a strong financial base, providing practical insights and actionable steps for financial recovery and stability.
This episode is proudly sponsored by Partners Life.
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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 decisions.
6/25/2024 • 24 minutes, 9 seconds
How To Manage Money in a Relationship | Episode 179
Finances can be a difficult thing to discuss with your partner. However, it’s crucial to be on the same page to ensure a healthy relationship. This week we explore the importance of financial harmony, what happens when you're not aligned, and how to remedy financial discord.
This episode is proudly sponsored by Partners Life.
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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 decisions.
6/23/2024 • 28 minutes, 17 seconds
Can Financial Advisers Steal Your Money? Ft. Steven Burgess Director of Compliance Refinery | Episode 178
In this episode, we explore the unsettling reality of financial adviser fraud. With guest Steven Burgess, Director of Compliance Refinery, we discuss notorious cases like Bernie Madoff's $65 billion Ponzi scheme, how common financial adviser fraud is, and the red flags to watch for.
This episode is proudly sponsored by Partners Life.
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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 decisions.
6/20/2024 • 30 minutes, 40 seconds
What To Do If You Win $50 Million? | Episode 177
We dive into the exciting yet overwhelming scenario of winning Lotto Powerball's record $50 million jackpot, discuss key steps to take afterward, and share our personal strategies for handling the win.
This episode is proudly sponsored by Partners Life.
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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 decisions.
6/18/2024 • 14 minutes, 39 seconds
Side Hustle Or 9-5? Ft. Iyia Liu | Episode 176
We sit down with multi-million dollar business owner, Iyia Liu, to gain insights into the world of side hustles. From starting small to scaling up, Iyia's journey offers practical advice for anyone looking to pursue their entrepreneurial dreams.
This episode is proudly sponsored by Partners Life.
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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 decisions.
6/16/2024 • 12 minutes, 19 seconds
5 Things Draining Your Bank Account | Episode 175
We dive into five money drains that might be silently eating away at our finances. It's crucial to understand where our money goes, even on seemingly small expenses that add up over time.
This episode is proudly sponsored by Partners Life.
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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 decisions.
6/13/2024 • 14 minutes, 51 seconds
First Home Buyer Tips & Traps | Episode 174
In this episode, we discuss tips for first home buyers. Avoid traps like poor building materials, unconsented works, and leasehold properties. Learn strategies for making smart offers and the importance of professional advice.
This episode is proudly sponsored by Partners Life.
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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 decisions.
6/11/2024 • 40 minutes, 39 seconds
From University Student to 7-Figure Business Owner Ft. Iyia Liu | Episode 173
Discover how Iyia Liu turned from a university student to the owner of four seven-figure businesses as she shares her journey to success.
This episode is proudly sponsored by Partners Life.
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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 decisions.
6/9/2024 • 25 minutes, 6 seconds
Are Stocks the Best Way to Get Rich? | Episode 172
We explore the unpredictable nature of the stock market, discussing the 2018 study where randomly selected stocks outperformed top fund managers, revealing the inherent randomness in stock picking.
This episode is proudly sponsored by Partners Life.
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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 decisions.
6/6/2024 • 16 minutes, 15 seconds
Why Is Having A Credit Card A Bad Idea? | Episode 171
Join us as we tackle the misconceptions about credit cards, highlighting how they can lead to bad financial habits and crippling debt.
This episode is proudly sponsored by Partners Life.
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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 decisions.
6/4/2024 • 17 minutes, 20 seconds
Should You Cancel Life Insurance And Save Instead? Ft. Partners Life Chief Actuary Kate Dron | Episode 170
Join us as we talk with Kate Dron, Chief Actuary at Partners Life, about the risks of canceling life insurance and why it's crucial to keep it for the protection of you and your loved ones.
This episode is proudly sponsored by Partners Life.
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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 decisions.
6/2/2024 • 28 minutes, 38 seconds
Is Now A Good Time To Buy A House? | Episode 169
We explore if now is the perfect time to buy a house. With house prices low and interest rates expected to drop, we discuss why this could be a great opportunity for both first-time buyers and investors.
This episode is proudly sponsored by Partners Life.
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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 decisions.
5/30/2024 • 13 minutes, 17 seconds
Will BlackRock Own All Property In New Zealand? | Episode 168
We explore the trend of big investors buying homes in the U.S. and its potential impact on New Zealand. With predictions of U.S. investors owning 60% of homes by 2030, we discuss what might happen if this trend hits New Zealand's housing market.
This episode is proudly sponsored by Partners Life.
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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 decisions.
5/28/2024 • 10 minutes, 19 seconds
How To Make The Most Of KiwiSaver & Grow Your Balance | Episode 167
We break down KiwiSaver, covering its benefits, risks, and the importance of making an active choice.
This episode is proudly sponsored by Partners Life.
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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 decisions.
5/27/2024 • 28 minutes, 25 seconds
R.I.P First Home Grant, What Will This Mean For Buyers? | Episode 166
We say goodbye to the First Home Grant and discuss the financial implications for first home buyers. We also explore and outline alternative strategies for getting on the property ladder.
This episode is proudly sponsored by Partners Life.
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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 decisions.
5/23/2024 • 16 minutes, 11 seconds
How This Single Mother Bought A House While On The Benefit | Episode 165
This episode is proudly sponsored by Partners Life.
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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 decisions.
5/22/2024 • 16 minutes, 19 seconds
The Beginners Guide To Shares Ft. Sharesies Co-Founder Sonya Williams | Episode 164
Sonya Williams, Co-Founder of Sharesies, breaks down the essentials of getting started with shares, making the process approachable and understandable for beginners.
This episode is proudly sponsored by Partners Life.
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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 decisions.
5/20/2024 • 22 minutes, 10 seconds
How $50 Built One Of NZ’s Most Successful Start-Ups Ft. Sharesies Co-Founder Sonya Williams | Episode 163
We sat down with Sonya Williams, Co-Founder of Sharesies, to take a look into the process of building one of New Zealand's most successful start-ups and explore the company's vision for the future.
This episode is proudly sponsored by Partners Life.
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5/18/2024 • 39 minutes, 47 seconds
Petrol vs EV Cars: Do Electric Cars Actually Save You Money? | Episode 162
James and Mike discuss whether petrol or electric cars are more cost-effective, exploring whether electric cars can truly save you money.
This episode is proudly sponsored by Partners Life.
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5/15/2024 • 11 minutes, 11 seconds
Budgeting 101: How To Create A Budget And Stick To It | Episode 161
In this episode of Cheques & Balances: The Takeover, Jess and Makayla explore the basics of budgeting. They cover everything from power bills to streaming subscriptions, offering insights to help you manage your finances effectively.
This episode is proudly sponsored by Partners Life.
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5/12/2024 • 26 minutes, 18 seconds
How To Help Your Parents If They Are Behind Financially | Episode 160
With statistics showing a concerning trend of Kiwis struggling post-retirement, Mike and James discuss how to help your parents if they are behind financially.
This episode is proudly sponsored by Partners Life.
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5/9/2024 • 19 minutes, 15 seconds
Quarterly Market Update: Q2 2024
Mike and James provide a quarterly market update, covering key areas such as share market performance, global GDP trends, and economic outlooks.
This episode is proudly sponsored by Partners Life.
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5/7/2024 • 20 minutes, 44 seconds
5 Things Millionaires Don't Want You To Know | Episode 158
Join Mike and James as they explore the results of the biggest survey ever done on millionaires, uncovering the habits that make and keep them rich while also debunking common myths.
This episode is proudly sponsored by Partners Life.
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5/6/2024 • 13 minutes, 17 seconds
How To Increase Your Cash Flow On Your Property Ft. Matthew Harris | Midweek Episode
Join us on this Midweek Episode as we discuss how to increase your property's cash flow with Lighthouse's Managing Director, Property Investor and Developer, Matthew Harris. Learn practical tips to navigate challenges and optimise your investment returns.
This episode is proudly sponsored by Partners Life.
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5/3/2024 • 16 minutes, 55 seconds
5 Signs You're Stuck In The Middle Class | Midweek Episode
We've covered the 5 Signs You're Poor and the 5 Signs You're Rich. Now, let's explore the 5 Signs You're Stuck In The Middle Class.
This episode is proudly sponsored by Partners Life.
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5/1/2024 • 23 minutes, 39 seconds
Mike & James Buy A House Together Ft. Amy Stevens Founder Of Slice | Episode 157
Join Mike and James as they sit down with Amy Stevens, Founder of the first home buyers platform, Slice, to embark on their journey to (hypothetically) purchase a home together.
This episode is proudly sponsored by Partners Life.
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4/29/2024 • 37 minutes, 1 second
30% Of 2024 Has Passed, Are You Still On Track Towards Your Goals? | Midweek Episode
In this week's Midweek Episode, we take stock as 30% of 2024 is already gone – are you on track with your goals? Tune in to learn how to make the most of the remaining 70% of the year and take actionable steps towards achieving your goals.
This episode is proudly sponsored by Partners Life.
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4/26/2024 • 25 minutes, 11 seconds
Your Guide To Getting A Mortgage The First Time Ft. Makayla Edwards | Midweek Episode
We're joined by Makayla from Lighthouse's Mortgage team to share expert advice on applying for mortgages and avoiding common mistakes.
This episode is proudly sponsored by Partners Life.
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4/24/2024 • 23 minutes, 4 seconds
Why Your Uber Eats Bill Is About To Get More Expensive Ft. Matthew Harris | Episode 156
Find out why platforms like Uber and AirBNB are about to get a whole lot more expensive as Matt Harris joins us to talk on the reinstatement of the "App Tax".
This episode is proudly sponsored by Partners Life.
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4/22/2024 • 15 minutes, 19 seconds
How These 2 Tax Changes Will Change The Property Market Ft. Matthew Harris | Midweek Episode
In this week's Midweek Episode, we're back with Lighthouse’s Managing Director, Property Investor, and Developer, Matt Harris to break down the two tax changes that are going to change the property market.
This episode is proudly sponsored by Partners Life.
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4/19/2024 • 22 minutes, 26 seconds
How This Couple Bought A House In 4 Weeks Ft. Jess Hargreaves | Midweek Episode
Join us as we chat with Jess Hargreaves from Lighthouse to uncover the secrets behind how her and her partner managed to purchase a house in just four weeks!
This episode is proudly sponsored by Partners Life.
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4/17/2024 • 24 minutes, 56 seconds
Why Mothers Could Lose Up To $300K In Retirement Ft. Stephanie Pow | Episode 155
We welcome back Stephanie Pow, Founder of Crayon, to discuss the financial challenges faced by mothers due to the 'motherhood penalty', including the potential loss of up to $300,000 in retirement savings.
This episode is proudly sponsored by Partners Life.
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4/15/2024 • 21 minutes, 6 seconds
The Hot New Housing Trend You NEED To Know Ft. Ilse Wolfe | Midweek Episode
Property Coach, Ilse Wolfe, joins us to discuss the hot new housing trend that property investors NEED to know about.
This episode is proudly sponsored by Partners Life.
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4/12/2024 • 26 minutes, 20 seconds
Why Inheritances Will Ruin Your Kids | Midweek Episode
Find out why inheritances can cause family problems and hurt your kids. We explore the challenges of passing down wealth and give you simple tips to handle it.
This episode is proudly sponsored by Partners Life.
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4/10/2024 • 22 minutes, 48 seconds
Does Living Next To A School Zone Increase Property Value? Ft. Alex Martelli | Episode 154
Is living in a top school zone really worth $500K? Join us as we chat with Buyer's Agent, Alex Martelli, to unpack whether proximity to schools impacts property values.
Insights provided by Valocity
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4/8/2024 • 30 minutes, 24 seconds
How Much Does A Destination Wedding Cost? | Midweek Episode
Join us for another episode of Am I The A**hole where we delve into Reddit's community dilemmas. This week, we tackle the ethics of declining destination wedding invites due to financial constraints, plus more.
This episode is proudly sponsored by Partners Life.
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4/4/2024 • 17 minutes, 14 seconds
Are Term Deposits Worth It? | Midweek Episode
Term Deposits, are they worth it? In this week's Midweek Episode, we weigh the pros and cons of term deposits against alternative investments.
This episode is proudly sponsored by Partners Life.
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4/2/2024 • 14 minutes, 59 seconds
Matt's Property Predictions For 2024 Ft. Matthew Harris | Episode 153
Step into the future of property investment with Matt Harris as he unveils his predictions for the New Zealand property market in 2024.
This episode is proudly sponsored by Partners Life.
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3/31/2024 • 33 minutes, 46 seconds
Should You Sell Your Home To Pay Off Debt? Ft. Cat Emerson | Midweek Episode
Join us as we delve into real-life financial dilemmas sourced from The Mum Hub community page on Facebook, featuring Cat Emerson. From managing overwhelming credit card debt to navigating financial hardships, we explore practical solutions to help reshape your financial future.
This episode is proudly sponsored by Partners Life.
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3/27/2024 • 23 minutes, 18 seconds
5 Signs You're Wealthier Than You Think | Midweek Episode
From debunking the status game to underlining the significance of financial planning, this week's Midweek Episode offers invaluable insights to reshape your approach to wealth.
This episode is proudly sponsored by Partners Life.
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3/26/2024 • 13 minutes, 47 seconds
Day In The Life Of A CEO Ft. Kiwibank CEO Steve Jurkovich | Episode 152
We sat down with Steve Jurkovich, CEO of Kiwibank, to delve into the multifaceted world of leadership. From navigating public scrutiny to embracing failures, Steve shares valuable insights from his extensive experience.
This episode is proudly sponsored by Partners Life.
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3/24/2024 • 1 hour, 4 minutes
How To Retire A Millionaire | Midweek Episode
In this week's Midweek Episode, we dissect a listener's KiwiSaver concerns, unveiling the roadmap to retiring a millionaire.
This episode is proudly sponsored by Partners Life.
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3/21/2024 • 13 minutes, 50 seconds
Am I The A**hole? Pt. 3 | Midweek Episode
Get ready for another wild Reddit adventure! This time, we're diving into a husband's jaw-dropping $300,000 crypto loss and the age-old debate over prenups.
This episode is proudly sponsored by Partners Life.
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3/19/2024 • 13 minutes
Parental Leave Policies You Need To Know Ft. Stephanie Pow | Episode 151
In a game of true or false with Stephanie Pow, Founder of Crayon, we uncover the startling truths about parental leave policies and their wide-reaching effects on families nationwide.
This episode is proudly sponsored by Partners Life.
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3/17/2024 • 26 minutes, 50 seconds
Is Renting A Waste Of Money? | Midweek Episode
In this week's Midweek Episode, we tackle the question: Is renting a waste of money? We break down the costs and societal pressures involved, giving you practical tips and real-life stories to make your decision easier.
This episode is proudly sponsored by Partners Life.
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3/14/2024 • 26 minutes, 46 seconds
What Is The Best Way To Invest $100K? | Midweek Episode
In this week's Midweek Episode, we went down the deep dark hole that is Reddit's r/personalfinancenz forum, providing insights and advice drawn from our own experiences.
This episode is proudly sponsored by Partners Life.
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3/12/2024 • 10 minutes, 14 seconds
NZ’s First Woman To Sell For $1Billion Ft. Naomi Ballantyne | Episode 150
From humble beginnings to overcoming complex challenges, Naomi's story offers profound insights into the spirit of entrepreneurship, resulting in the achievement of selling Partners Life for $1 billion.
This episode is proudly sponsored by Partners Life
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3/10/2024 • 46 minutes, 34 seconds
Is University Worth It? | Midweek Episode
Degrees vs. Dollars – Is University Worth It? In this week's Midweek Episode, we delve into the age-old question, is a degree necessary for success?
This episode is proudly sponsored by Partners Life
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3/7/2024 • 16 minutes, 3 seconds
Euro Summer Or Save For A House? | Midweek Episode
Curious about our own spending choices? From summer splurges to home investments, get an inside look into how we manage our money.
This episode is proudly sponsored by Partners Life
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3/5/2024 • 13 minutes, 30 seconds
Top 3 Economic Trends For New Zealand Ft. Chief Economist Jarrod Kerr | Episode 149
Join us as we explore "What Would Jarrod Do?" with Jarrod Kerr, Chief Economist at Kiwibank. We tap into his insights on economic matters, from personal finance dilemmas to global economic trends.
This episode is proudly sponsored by Partners Life
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3/3/2024 • 28 minutes, 2 seconds
5 Signs You're Poor | Midweek Episode
From living paycheck to paycheck to setting financial goals, Mike and James discuss practical tips and real talk about securing your financial future!
This episode is proudly sponsored by Partners Life
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2/29/2024 • 17 minutes, 31 seconds
Am I The A**hole? | Midweek Episode
We're stepping into the wild world of 'Am I the A**hole?' once again as we unravel tales of open relationships and financial dilemmas from the depths of Reddit.
This episode is proudly sponsored by Partners Life
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2/27/2024 • 12 minutes, 3 seconds
What's REALLY Going To Happen In 2024 Ft. Chief Economist Jarrod Kerr | Episode 148
We sat down with KiwiBank's Chief Economist, Jarrod Kerr, as he offers crucial insights into economic challenges and strategies for resilience.
Check out the full episode here.
This episode is proudly sponsored by Partners Life
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2/25/2024 • 29 minutes, 4 seconds
Dogs Vs Kids: Which Is Cheaper? Ft. Ravi Chand | Midweek Episode
From daycare dilemmas to unexpected vet bills, we dive into the financial reality of parenting pups and raising kids.
2/22/2024 • 23 minutes, 19 seconds
What Is A CCC? | Midweek Episode
From navigating building standards to insider tips, Mike and James dive into the world of CCC's.
2/20/2024 • 10 minutes, 37 seconds
The Cost Of Childcare Ft. Stephanie Pow | Episode 147
From financial strains to workforce barriers, we sat down with Stephanie Pow from Crayon to unpack the real-life challenges families face surrounding childcare costs in New Zealand.
Check out the full episode here
This episode is proudly sponsored by Partners Life
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2/18/2024 • 29 minutes, 41 seconds
What Are Your Odds Of Winning The Lottery? | Midweek Episode
Ready to roll the dice on lottery odds? Mike and James uncover the harsh truths and myths behind winning big.
2/15/2024 • 11 minutes, 30 seconds
Am I The A**hole? | Valentine's Day Special
Love, finance, and Moncler jackets. James and Mike sit down to unravel the tangled web of dating and financial woes straight from the depths of Reddit!
2/13/2024 • 14 minutes, 57 seconds
How Much Does The Bank Make Off You? | Episode 146
Ever wondered how much the bank truly makes off you? We dive deep into the numbers and uncover the hidden truth behind your home loan journey!
Check out the full episode here
This episode is proudly sponsored by Partners Life
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2/12/2024 • 20 minutes, 27 seconds
Gen Z's Hidden Strategy: Live Now, Get Rich Later | Midweek Episode
Soft serve or soft savings? James and Mike discuss the emerging trend of Gen Z prioritising the joys of life over concerns about retirement.
2/6/2024 • 11 minutes, 8 seconds
Mike And James Predict The Future (2024 Update) | Episode 145
We evaluate our 2023 predictions and spice things up with a forecast for the financial landscape of 2024, sprinkled with some juicy insights into upcoming trends.
Check out the full episode here
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2/5/2024 • 20 minutes, 23 seconds
Decoding Debt-to-Income Ratios | Midweek Episode
This week, James and Mike sit down to explore the intricacies of the latest proposed debt-to-income ratios.
1/31/2024 • 11 minutes, 26 seconds
What Caused 2023's 'Everything' Rally? | Episode 144
We explore the unexpected market events of 2023 and the factors behind the remarkable 'Everything' Rally.
Check out the full episode here
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1/30/2024 • 29 minutes, 5 seconds
Don’t Make NY Resolutions – Do This Instead | Episode 143
Inspired by James Clear's groundbreaking book "Atomic Habits", we explore the transformative power of creating systems rather than merely setting goals and delve into the art of building habits that last.
Check out the full episode here
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1/22/2024 • 21 minutes, 3 seconds
Want To Start A Business? Key Business Principles You Need To Know Ft. Matthew Horncastle | Midweek Episode
We're joined by Matthew Horncastle to talk through his top business tips for any entrenpenuer in 2024
1/16/2024 • 20 minutes, 27 seconds
Building $1 Billion Of Property Before 30 - An Interview With Matthew Horncastle | Episode 142
To kick off the 2024 year, we're joined by Matthew Horncastle, Managing Director At Williams Corporation.
Matthew Horncastle has come from a strong property family where everybody was in real estate, including his father Bill Horncastle. Bill owned one of the largest housing companies in New Zealand. Matthew manages, on a daily basis, land acquisition, development design, resource consents, development sales, marketing and finance. Matthew is a qualified builder and has been in the construction industry for over 9 years. Matthew is extremely high energy and passionate about Williams Corporation’s purpose to build Auckland, Wellington and Christchurch into the most liveable cities.
1/15/2024 • 1 hour, 8 minutes, 2 seconds
Our Last Podcast | Midweek Episode
.... for the year. James and Mike wrap up 2023 and give their thoughts on what to expect in 2024
12/12/2023 • 17 minutes, 24 seconds
The Best NZ Regions To Invest In Over The Next 5 Years | Episode 141
Over the past five years, the housing market in New Zealand has experienced significant growth. However, this growth hasn't been uniform across the country, and savvy investors are looking beyond the major cities to find the best opportunities for the next five years.
Check out the full episode here
A huge thank you to Valocity for the insights
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12/11/2023 • 15 minutes, 36 seconds
How To Set Your Kids Up For Success Ft. Greg Munt | Midweek Episode
This week we dive deep with Greg Munt about how to set your kids up for success early on in life.
12/5/2023 • 15 minutes, 59 seconds
When Property Investors Will Be Cashflow Positive Again | Episode 140
We explore the various factors contributing to the current cash flow dilemma for property investors and discuss when the market might tilt in their favour.
Check out the full episode here
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12/4/2023 • 17 minutes, 44 seconds
How One Book Made Him Millions - An Interview With Greg Munt | Midweek Episode
This week we catch up with business owner and entrepreneur Greg Munt to talk about how one book changed his life and his journey.
If you'd like to learn more about Own With Wiliiams, check out the link here
11/29/2023 • 34 minutes, 4 seconds
How Much Car You Can Afford (By Salary) | Episode 139
Outside of a house, a car is usually one of the biggest financial purchases most people make, multiple times during their lives. This episode provides practical advice and strategies that can help listeners make smarter decisions about car ownership, ultimately contributing to their overall financial well-being and long-term financial success.
11/27/2023 • 17 minutes, 6 seconds
Why A Bach Is A Terrible Investment - We Crunch The Numbers | Episode 138
In this episode, we explore the financial and lifestyle considerations of bach ownership, unraveling the truth behind this cherished Kiwi dream.
Check out the full episode here
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11/19/2023 • 16 minutes, 37 seconds
We Rank Our Best And Worst Clients | Midweek Episode
This week James and Mike cancel themselves by ranking their best and worst clients by profession.
11/15/2023 • 20 minutes, 43 seconds
How To Survive 7% Interest Rates | Episode 137
Are you (or know someone who is) losing sleep at night over 7% interest rates? This episodes for you. We go through the 4 steps to tackle high interest rates.
Check out the full episode here
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11/13/2023 • 25 minutes, 44 seconds
What Happens When You Miss A Loan Repayment | Midweek Episode
This week we ask Mike what happens when you miss a loan repayment on your mortgage.
11/7/2023 • 12 minutes, 31 seconds
Our Top 5 Tips When Getting A Divorce Ft. Amanda Donovan | Episode 136
Dividing property during a separation or divorce can be a challenging and emotionally charged process. We talked to Amanda Donovan, Director at Haigh Lyon Lawyers, who shares her top five tips for navigating the division of property in a divorce.
Check out the full episode here
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11/6/2023 • 28 minutes, 38 seconds
Justin Bieber, Paris Hilton Sued Over "Financial Scam" - A Review Of The NFT Market
Mike and Jame discuss the recent news from the NFT and crypto space.
11/1/2023 • 15 minutes, 59 seconds
Revealed: How Much Kiwi's Spend In Retirement Ft. Ben Brinkerhoff | Episode 135
Were joined by Ben Brinkerhoff to delve into the critical topic of retirement savings. Consilium recently published the newly released Retirement Expenditure Guidelines, shedding light on the increasing disparity between New Zealand Superannuation (NZ Super) and the actual cost of living in retirement.
Check out the full episode here
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10/30/2023 • 15 minutes, 50 seconds
Women and Property Event Recap Ft. Ilse Wolfe
In this episode we recap our latest 'Women and Property' event with Ilse Wolfe
10/25/2023 • 27 minutes, 8 seconds
10 Best Strategies For Investing Ft. Ben Brinkerhoff
This week we have Ben Brinkerhoff, Head of Advice at Consilium here to talk about how you can improve your chances of success in investing. We'll break down ten straightforward principles that can help you become a better investor.
Check out the full episode here
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10/24/2023 • 17 minutes, 51 seconds
How To Transition Career Ft. Ash Solly
This week we have a chat with Ash Solly, a financial adviser at Lighthouse Financial to chat about transitioning careers.
10/17/2023 • 13 minutes, 41 seconds
The Science Of Spending Ft. Ben Brinkerhoff
This week we're joined by Ben Brinkerhoff from Consilium to talk about "the science of spending".
Check out the full article here
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10/15/2023 • 23 minutes, 2 seconds
Webinar Special: How To Protect You And Your Family - Insurance
Learn about all the essential parts of protecting your wealth through the right insurance.
10/10/2023 • 52 minutes, 52 seconds
How To Negotiate On A Property Ft. Emma Duncan | Episode 133
This week we're joined by Emma Duncan from Anne Duncan Real Estate to talk about her top negotiating tips on property.
Check out the full article here
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10/9/2023 • 21 minutes, 10 seconds
The Bank News You Need To Know! | Midweek Episode
This week Mike gives us an update on the latest bank and mortgage news.
10/3/2023 • 11 minutes, 9 seconds
Financial Advisers React To ChatGPT Financial Advice | Episode 132
This week James and Mike react to financial advice provided by ChatGPT. We ask a range of questions from investment advice to prenups and review the answers.
Check out the full article here
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10/2/2023 • 29 minutes, 4 seconds
Webinar Special: Contractors 101 - How To Succeed As Your Own Boss
Our business accounting specialists will go through everything you need to know to financially succeed as your own boss, including long-term planning, insurance, exit strategies and managing irregular incomes.- What is a contractor- Withholding tax, income tax and GST- What you can and can't claim- Common mistakes we see- ACC and Insurance- Wealth creation as a business owner
9/26/2023 • 58 minutes, 36 seconds
Election Special: What Happens To House Prices Under A National Or Labour Government?
We got over 30 years of data from Valocity to see if and how house prices change under a National or Labour government.
A huge thank you to our partner Valocity for the amazing insights:
https://www.valocityglobal.com/en
Check out the full article here: https://lighthousefinancial.co.nz/election-special-what-happens-to-house-prices-under-a-national-or-labour-government/
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9/24/2023 • 16 minutes, 44 seconds
The 10 Commandments Of Building Wealth Q&A - Lighthouse Financial x Keep The Change | Midweek Episode
James sits down with Luke from Keep The Change to discuss your questions from August's webinar - The 10 Commandments Of Building Wealth.
9/19/2023 • 43 minutes, 19 seconds
Should You Use A Buyer's Agent? Ft. Alex Vincent Martelli | Episode 129
In New Zealand, most houses are sold by one real estate agent who works for the seller. Even though this agent has to be fair to everyone, they mainly look out for the seller's interests. That's where a buyer's agent comes in. We're joined by Alex Vincent Martelli who is a buyer's agent from Martelli & Co
Check out her website below:
https://www.martellibuyers.co.nz/
Check out the full article here:
https://lighthousefinancial.co.nz/should-you-use-a-buyers-agent/
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9/17/2023 • 31 minutes, 8 seconds
The 10 Commandments Of Building Wealth - Lighthouse Financial x Keep The Change | Midweek Episode
Join Luke Kemeys from Keep The Change and James Blair from Lighthouse Financial for an interactive webinar where they go through the fundamental wealth principles you need to know to successfully start on your wealth creation journey.This webinar is all about the psychological concepts you need to understand to become financially bulletproof.The 10 commandments:- Understand your motivation for wealth creation- Plans are nothing, planning is everything.- Never spend more than what you earn- Make your money work harder than you- Know how you can benefit from the power of compounding- Know how to implement leverage- Give your investments sufficient time to grow- Do not compare your wealth goals to that of peers- Give more value than you take- Treat your wealth like a business (because It Is)
9/12/2023 • 1 hour, 23 minutes, 11 seconds
Election Special: An Interview With David Seymour - ACT Party Leader | Episode 129
The thoughts and opinions shared in this podcast, including those from our guest David Seymour, may not match the views of our podcast, its hosts, or Lighthouse Financial. This episode is meant for information and education. We aim to encourage open discussions from various viewpoints, but we don’t endorse any political party or opinion.
Check out the full article here:
https://lighthousefinancial.co.nz/interview-with-david-seymour/
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9/10/2023 • 46 minutes, 7 seconds
Women And Property Ft. Ilse Wolfe | Midweek Episode
This week we're joined by Ilse Wolfe, property investor and coach to talk about how women can create independence by investing in property.
Interested in Jess's case study? Check out the webinar below:
https://www.opespartners.co.nz/shows/property-live-how-to-get-the-bank-to-say-yes-two-case-studies-on-increasing-serviceability
Get your tickets to our event below:
https://women-and-property.eventbrite.com
9/5/2023 • 25 minutes, 51 seconds
Why You NEED a Will Ft. Shaun McGivern | Episode 128
For most people, a will is often their main asset planning tool which means it is important to ensure it is robust, clearly written and technically correct. We're joined by Shaun McGivern to talk about why you NEED in a will.
Check out Haigh Lyon Lawyers below:
https://haighlyon.co.nz/
Check out the full article here:
https://lighthousefinancial.co.nz/why-you-need-a-prenup/
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9/3/2023 • 24 minutes, 39 seconds
Thank You | Money Month Episode 31
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/30/2023 • 6 minutes, 44 seconds
How To Value Your Time | Money Month Episode 30
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/29/2023 • 8 minutes, 2 seconds
Mindset Of Abundance Instead Of Scarcity | Money Month Episode 29
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/28/2023 • 9 minutes, 35 seconds
Your Network Is Your Net Worth | Money Month Episode 28
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/27/2023 • 9 minutes, 58 seconds
Credit Cards Don’t Get You Ahead 99% Of The Time | Money Month Episode 27
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/25/2023 • 8 minutes, 41 seconds
No One Is Going To Make You Rich | Money Month Episode 25
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/24/2023 • 10 minutes, 23 seconds
Do You Need To Dress For Success? | Money Month Episode 24
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/24/2023 • 11 minutes, 24 seconds
Gambling Vs. Investing | Money Month Episode 23
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/23/2023 • 14 minutes, 30 seconds
If You Can't Manage 50K, You Can't Manage 500K | Money Month Episode 22
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/22/2023 • 14 minutes, 27 seconds
Paralysis By Analysis | Money Month Episode 21
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/21/2023 • 7 minutes, 57 seconds
Watch Out For These Investment Scams | Money Month Episode 20
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/19/2023 • 13 minutes, 34 seconds
Poor Households vs. Wealthy Households | Money Month Episode 19
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/18/2023 • 8 minutes, 53 seconds
How To Create Your Power Team | Money Month Episode 18
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/18/2023 • 16 minutes, 21 seconds
Why Recessions Will Forever Happen | Money Month Episode 17
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/17/2023 • 10 minutes, 51 seconds
It's Never Too Late | Money Month Episode 16
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/15/2023 • 10 minutes, 44 seconds
Why You Won't Get Superannuation | Money Month Day 15
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/14/2023 • 9 minutes, 21 seconds
Should You Be Scared Of Debt? | Money Month Day 14
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/13/2023 • 7 minutes, 26 seconds
Does Money Buy Happiness? | Money Month Day 13
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/12/2023 • 6 minutes, 37 seconds
Talking Money With Your Partner | Money Month Day 12
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/11/2023 • 12 minutes, 32 seconds
How To Save For Short Term Goals | Money Month Day 11
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/10/2023 • 7 minutes, 4 seconds
Keeping Up With The Joneses | Money Month Day 10
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/9/2023 • 12 minutes, 23 seconds
How To Build Healthy Habits | Money Month Day 9
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/8/2023 • 13 minutes, 43 seconds
Why AfterPay Will Keep You Broke | Money Month Day 8
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/7/2023 • 12 minutes, 6 seconds
How To Increase Your Income | Money Month Day 7
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/6/2023 • 16 minutes, 20 seconds
How To Pay Off Consumer Debt | Money Month Day 6
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/5/2023 • 18 minutes, 31 seconds
Understanding Good And Bad Debt | Money Month Day 5
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/4/2023 • 11 minutes, 49 seconds
How To Build An Emergency Fund | Money Month Day 4
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/3/2023 • 8 minutes, 49 seconds
How To Create A Budget | Money Month Day 3
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/2/2023 • 11 minutes, 39 seconds
How To Set Clear Goals | Money Month Day 2
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
8/1/2023 • 9 minutes, 28 seconds
Welcome To Money Month! | Money Month Day 1
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
7/31/2023 • 2 minutes, 55 seconds
Cashflow Hacking 101 Ft. Ilse Wolfe | Episode 127
Ilse Wolfe joins us on Cheques and Balances to chat about how to find cashflow in property investments.
7/31/2023 • 27 minutes, 8 seconds
How To Do Due Diligence On A New Build Ft. Shaun McGivern
This week we have Shaun McGivern from Haigh Lyon Lawyers to talk about how to do due diligence on a new build contract.
7/26/2023 • 20 minutes, 43 seconds
Why You Need A Prenup Ft. Amanda Donovan | Episode 126
This week we're joined by Amanda Donovan from Haigh Lyon Lawyers to talk about contracting out agreements.
Check out the full article here:
https://lighthousefinancial.co.nz/why-you-need-a-prenup/
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7/24/2023 • 26 minutes, 13 seconds
What The Latest LVR Changes Mean For You | Midweek Episode
This week we discuss what the latest LVR changes mean for you.
7/19/2023 • 11 minutes, 36 seconds
Why Aren't Rents Keeping Up With Property Costs?
Exciting news! We have partnered with Valocity - NZ's leading property valuation and data platform. They will be providing us with market leading property and economic insights on all of our podcast topics!
Last year we made a prediction that rents would rise by 30% over the following 12 months due to increased property costs, we look into why that hasn't happened and do a deep dive into the data thanks to Valocity.
Check out more about Valocity here:
https://www.valocityglobal.com/en
Check out the full article here:
https://lighthousefinancial.co.nz/why-arent-rents-keeping-up-with-costs/
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7/17/2023 • 17 minutes, 46 seconds
Are You Too Poor For A Pet? | Midweek Episode
This week we react to a viral Keep The Change podcast all about pets.
7/12/2023 • 7 minutes, 33 seconds
From $5,000 to $20 Million before 40 - The Ilse Wolfe Story | Episode 124
This week we're joined by Ilse Wolfe, Director at Opes Accelerate. Ilse has over 15+ years personal property investment experience, owning a private portfolio with 25+ rentals valued at $20m+. She helps property investors improve their investments through renovations. Her time is focused to help aspiring investors begin on a similar path to wealth and passive income throughout NZ.
Check out the full article here:
https://lighthousefinancial.co.nz/ilse-wolfe/
For more money tips follow us on:
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7/10/2023 • 21 minutes, 11 seconds
Webinar Special: How To Build Your Financial Plan Ft. Keep The Change
This week we go through our first webinar with Luke Kemeys from Keep The Change. Join our next webinar on the 10 Commandments Of Building Wealth below:
https://lighthousefinancial.co.nz/the-10-commandments-of-building-wealth/
7/5/2023 • 1 hour, 28 minutes, 23 seconds
How To Prepare Your First Property Tax Returns | Episode 123
This week we're joined by Amanda Quill to go through how to prepare your first year of tax returns for your rental property.
Check out the full article here:
lighthousefinancial.co.nz/how-to-prepare-your-first-property-tax-returns
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7/2/2023 • 9 minutes, 15 seconds
Why Purchase A New Build? Ft. Juliet c From Colliers | Midweek Episode
This week were joined by Juliet Lichtenstein, Associate Director of Residential Projects at Colliers to talk about why you should consider a new build.
6/27/2023 • 18 minutes, 29 seconds
Hnry vs. Accountants Ft. Amanda Quill | Episode 122
This week we're joined by Amanda Quill to go through the pros and cons of using Hnry vs. using an accountant
Check out the full article here:
https://lighthousefinancial.co.nz/hnry-vs-accountants
For more money tips follow us on:
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6/25/2023 • 13 minutes, 50 seconds
Commercial Property 101 Ft. David Burley From Colliers | Midweek Episode
This week we're joined by David Burley, Auckland Director of Investment Sales at Colliers to talk about all things commercial property.
6/20/2023 • 25 minutes, 38 seconds
How To Budget For A Wedding Ft. Amanda Quill | Episode 121
This week we're joined by Amanda Quill, Manager here at Lighthouse (and soon to be married) for her top tips on how to budget for your wedding.
Check out the full article here:
https://lighthousefinancial.co.nz/how-to-budget-for-a-wedding
For more money tips follow us on:
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6/18/2023 • 22 minutes, 28 seconds
How To Invest For Your Family Ft Catherine Emerson and Shaun McGivern | Midweek Episode
This week we're joined by Catherine Emerson from Kernel Wealth and Shaun McGivern from Haigh Lyon Lawyers for an audio version of our recent "How to invest for your family" event.
6/13/2023 • 1 hour, 10 minutes, 15 seconds
Property vs. Shares - The Ultimate Showdown | Episode 120
The age old question - What provides better results, property or shares? We go through a case study, comparing a hypothetical ten-year investment in the share market against the property market in New Zealand.
Check out the full article here:
https://lighthousefinancial.co.nz/property-vs-shares
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6/11/2023 • 13 minutes, 39 seconds
38% Yearly Returns! Should You Invest In Developer Funds? | Midweek Episode
This week we delve into developer funds and whether you should invest in them
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6/7/2023 • 12 minutes, 22 seconds
Financial Scams You Need To Avoid | Episode 119
Around one in five Kiwis has been targeted by an investment scam. Here's all the common financial scams you need to avoid.
Check out the full article here:
https://lighthousefinancial.co.nz/financial-scams-you-need-to-avoid/
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6/5/2023 • 20 minutes, 11 seconds
How To Be An "Ethical" Property Investor Ft. Matthew Harris | Midweek Episode
This week we're joined by Matthew Harris to talk about how to be an "ethical" property investor.
5/30/2023 • 13 minutes, 12 seconds
Habits Of Wealthy People | Episode 118
Understanding the habits that contribute to financial success is paramount in today's economic climate. These habits are not exclusive to wealthy individuals but can be adopted by anyone to improve their financial well-being.
Check out the full article here:
https://lighthousefinancial.co.nz/habits-of-wealthy-people/
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5/28/2023 • 15 minutes, 30 seconds
Are Trusts Now Worthless? What The New Trust Tax Rates Mean For You Ft. Matthew Harris | Midweek Episode
This week we have Matthew Harris on to talk about the implications of the new trust tax rules.
For more money tips follow us on:
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5/23/2023 • 15 minutes, 21 seconds
Habits Of Poor People | Episode 117
We go through the top habits that lead to a poor mindset.
Check out the full article here:
https://lighthousefinancial.co.nz/habits-of-poor-people
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5/22/2023 • 19 minutes, 33 seconds
Should NZ Have A Wealth Tax? | Midweek Episode
This week we discuss if NZ should have a wealth tax.
For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnz
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5/17/2023 • 11 minutes, 47 seconds
Top 5 Mistakes We See Clients Make | Episode 116
We’ve supported over 4,000 NZ families and individuals in navigating their finances. Over time, we’ve noticed several common mistakes our clients make. Here are the top five, along with some insights on how to avoid them
Check out the full article here:
https://lighthousefinancial.co.nz/the-top-five-mistakes-clients-make/
For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnz Instagram - https://www.instagram.com/lighthousefinancialnz LinkedIn - https://www.linkedin.com/company/lighthousefinancialnz Spotify - https://cutt.ly/CBSpotify Apple Podcast - https://cutt.ly/CBApplePodcast
5/14/2023 • 14 minutes, 24 seconds
What You Need To Know About Sharesies' KiwiSaver Scheme Ft Catherine Emerson | Midweek Episode
This week we're joined by Catherine Emerson to chat about Sharesies' New KiwiSaver Scheme and the pros and cons of self managed retirement funds.
5/10/2023 • 15 minutes, 28 seconds
We're At The Bottom Baby! - Why The Housing Market Will Turn In May | Episode 115
Inflation peaking, the official cash rate, easing LVR rules and increased market activity are just some of the reasons May could be the bottom of the housing market in NZ.
Check out the full article here:
https://lighthousefinancial.co.nz/were-at-the-bottom-baby/
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5/8/2023 • 11 minutes, 49 seconds
How To Build Your Financial Plan Webinar - Keep The Change & Lighthouse Financial | Midweek Episode
James Blair and Luke Kemeys go through all the steps you need to build your financial plan and become financially bulletproof in 2023. A financial plan is your blueprint for your dream lifestyle, in this session, James will go through the entire financial plan process including:Goal settingCashflow managementIdentifying investment opportunitiesAsset allocation based on your goalsFinancial projection softwareRetirement planningCommon mistakes we seeLuke and James will then go through their top tips for becoming financially bulletproof in 2023. Questions are available throughout the webinar.
5/2/2023 • 1 hour, 28 minutes, 23 seconds
Is The F.I.R.E Movement A Scam? | Episode 114
As people look for ways to enjoy their lives outside the confines of a traditional 9-to-5 job, people have been joining the F.I.R.E movement, but what is it exactly?
Check out the full article here:
https://lighthousefinancial.co.nz/is-the-f-i-r-e-movement-a-scam/
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5/1/2023 • 15 minutes, 22 seconds
Has The RBNZ Gone Too Far? We Review Their Latest Changes | Midweek Episode
Join James and Mike as they review the RBNZ's latest changes.
4/25/2023 • 16 minutes, 43 seconds
How To Beat The Third Generation Curse | Episode 113
The third-generation curse is a phenomenon that affects 90% of families causing them to lose all of their wealth by the third generation.
Register for our How To Invest For Your Family Event here: https://www.eventbrite.co.nz/e/how-to-invest-for-your-family-tickets-617523077147?aff=Lighthouse
Check out the full article here:
https://lighthousefinancial.co.nz/how-to-beat-the-third-generation-curse/
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4/24/2023 • 17 minutes, 38 seconds
Brand New Home Loan Changes You Need To Know! | Midweek Episode
This week Mike goes through the brand new changes all the major banks have implemented for property purchases.
4/19/2023 • 5 minutes, 45 seconds
Property Development 101 Ft. Matthew Harris | Episode 112
This week we have Matthew Harris on again to talk about his biggest lessons in his property development journey.
Check out the full article here:
https://lighthousefinancial.co.nz/property-development-101-ft-matthew-harris/
For more money tips follow us on:
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4/16/2023 • 28 minutes, 10 seconds
From 0 To 30 Properties In 10 Years - The Matthew Harris Story | Episode 111
This week we have our Managing Director on the podcast to chat about his story of how he went from 0 - 30 properties in just 10 years.
4/11/2023 • 40 minutes, 38 seconds
We Answer Your Instagram Questions! | Midweek Episode
On this week's episode, we answer your instagram questions!
4/4/2023 • 12 minutes
Houses vs. Townhouses vs. Apartments: We Look At The Numbers | Episode 110
We take a look at the numbers and compare the value appreciation of houses, townhouses, and apartments in Auckland over the past two decades.
Check out the full article here
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4/3/2023 • 14 minutes, 59 seconds
A Due Diligence Horror Story - A Buyer Short $1.3m On A New Build Property | Midweek Episode
This week, Mike tells us a story on a house purchase that went horribly wrong.
3/29/2023 • 11 minutes, 2 seconds
How To Budget For A Baby Ft. Catherine Emerson From Kernel Wealth | Episode 109
This week we're joined by Catherine Emerson from Kernel Wealth to talk about how to budget for a baby.
Pre-register for our event here
Check out Kernel Wealth here
Check out the full article here
3/26/2023 • 17 minutes, 20 seconds
Kiwis Spend 13 Hours A Month Worrying About Money | Midweek Episode
On this midweek episode, James and Mike react to a study that found Kiwis spend 13 hours of work time a month worrying about money. You can see the article here.
3/22/2023 • 8 minutes, 19 seconds
The Psychology Of Money | Episode 108
Money is a ubiquitous part of our daily lives, and yet we are often taught that it is impolite to talk about it. Learn all about the psychology of money in this episode. Hosted on Acast. See acast.com/privacy for more information.
3/19/2023 • 12 minutes, 42 seconds
Index Investing With S&P Dow Jones Indices Managing Director Tim Edwards | Midweek Episode
This week James is going solo with special guest Tim Edwards, Managing Director and Global Head of Index Investment Strategy at S&P Dow Jones Indices. Hosted on Acast. See acast.com/privacy for more information.
3/15/2023 • 14 minutes, 43 seconds
Reverse Mortgages – A Good Retirement Strategy? | Episode 107
Many older Kiwis are considering reverse mortgages as a means of accessing the equity in their homes and turning it into cash. However, the question remains: are reverse mortgages a sound retirement strategy? Hosted on Acast. See acast.com/privacy for more information.
3/13/2023 • 16 minutes, 47 seconds
Pyjamas, The Last Of Us And The B Word - We Answer Your Instagram Questions | Midweek Episode
Join James and Mike for weekly money tips Hosted on Acast. See acast.com/privacy for more information.
3/8/2023 • 9 minutes, 37 seconds
When Investing In Property Is The Wrong Solution - A Case Study | Episode 106
Property investment has become an obsession in New Zealand due to its ability to yield great returns over time. But is it the always the best solution? Hosted on Acast. See acast.com/privacy for more information.
3/5/2023 • 18 minutes, 5 seconds
5 Signs You're Broke - We React To Luke Kemey's Viral Video | Midweek Episode
On this midweek episode, we react to Luke Kemey's viral video about the 5 signs that you're broke! Hosted on Acast. See acast.com/privacy for more information.
3/1/2023 • 11 minutes, 16 seconds
Term Deposits: Are They Worth It? | Episode 105
Interest rates in New Zealand have been on the rise lately, and while this may be bad news for borrowers, it is great news for savers. With all banks now offering over 5% on a one-year term deposit, Heartland bank has even gone as high as 5.7%. As a result, many people are considering putting their money into term deposits to take advantage of these good rates. But is this a good idea for everyone? Hosted on Acast. See acast.com/privacy for more information.
2/27/2023 • 12 minutes, 41 seconds
How Cyclone Gabrielle Will Impact Our Economy | Bonus Episode
A bonus mid week episode on how cyclone Gabrielle will impact our economy and the latest OCR announcement in NZ. Hosted on Acast. See acast.com/privacy for more information.
2/22/2023 • 10 minutes, 34 seconds
Our 2023 Predictions - Ft Luke Kemeys | Episode 104
Has inflation peaked? Will the stock market boom this year? Who will win the NZ election?! James and Mike are joined by Luke Kemeys from Next Advisory and Keep The Change podcast to discuss their 2022 market predictions and make some predictions for 2023. Hosted on Acast. See acast.com/privacy for more information.
2/20/2023 • 19 minutes, 37 seconds
Webinar Special: Inflation, Interest Rates and Volatility | Episode 103
This week we have a special episode from a recent webinar we did on how to make financial decisions in a world of inflation, rising interest rates and investment volatility.Find out more about our business webinars below: https://lighthousefinancial.co.nz/webinars Hosted on Acast. See acast.com/privacy for more information.
2/13/2023 • 43 minutes, 57 seconds
The Ultimate First Home Buyers Guide | Episode 102
Purchasing your first home is an exciting time, it will be one of the largest financial commitments you will make in your life. It is a process that is full of twists and turns. This episode is the ultimate step by step guide to buying your first home. Hosted on Acast. See acast.com/privacy for more information.
2/7/2023 • 30 minutes, 58 seconds
How To Tackle 2023 – High Interest Rates And Rising Unemployment | Episode 101
Here are some tips to help you manage your finances in a world of high interest rates and rising unemployment:Find out more about our business webinars below: https://lighthousefinancial.co.nz/webinars/Check out the full article here: https://lighthousefinancial.co.nz/how-to-tackle-2023/ Hosted on Acast. See acast.com/privacy for more information.
1/30/2023 • 23 minutes, 7 seconds
Ep. 100 What Happens After A Recession?
What happens after the world falls apart and the stock market crashes? Hosted on Acast. See acast.com/privacy for more information.
12/18/2022 • 18 minutes, 22 seconds
Ep. 99 Triple Your Income In 12 Months - Starting A Business At 50
This week on Cheques and Balances, we’re joined by Jason Gerken who shares his inspirational story about starting a business at 50. Hosted on Acast. See acast.com/privacy for more information.
12/11/2022 • 13 minutes, 48 seconds
Ep. 98 30 Year Old Couple Retire At 50 With Over $5 Million – Case Study
We recently had some clients purchase their first home come to James and ask about what their next steps should be. People dream of getting onto the property ladder, but what happens after that? This episode breaks down the general steps to grow your wealth once you’ve just bought your first home. Hosted on Acast. See acast.com/privacy for more information.
12/5/2022 • 14 minutes, 8 seconds
Ep. 97 Why 40 Might Be Too Late To Buy Your First Home (The Numbers Will Shock You)
We're starting to see more and more clients who are buying their first home a little later in life, but is it the right financial decision? We crunch the numbers Hosted on Acast. See acast.com/privacy for more information.
11/28/2022 • 13 minutes, 52 seconds
Ep. 96 What Is Financial Fasting? We Explore The Trend
We explore the trend sweeping the internet. This week we're getting our finances ready for summer, its financial fasting. Hosted on Acast. See acast.com/privacy for more information.
11/20/2022 • 9 minutes, 51 seconds
Ep. 95 Financial Advisers React to TikTok Money Advice Part 2
You asked for it, so here it is! We're going to be looking at some more financial advice on TikTok and giving our thoughts. This episode is best enjoyed on YouTube, so click the video above to get the full experience. Hosted on Acast. See acast.com/privacy for more information.
11/14/2022 • 16 minutes, 33 seconds
Ep. 94 The Barefoot Investor Book Review - Part 2
The final part of our II part series. We review the #1 Australian best selling book by author Scott Pape; The Barefoot Investor. Scott Pape believes this is the only money guide you’ll ever need, so we put it to the test. Hosted on Acast. See acast.com/privacy for more information.
11/7/2022 • 24 minutes, 12 seconds
Ep. 93 The Barefoot Investor Book Review - Part 1
We review the #1 Australian best selling book by Author Scott Pape; The Barefoot Investor. Scott Pape believes this is the only money guide you’ll ever need, so we put it to the test. Hosted on Acast. See acast.com/privacy for more information.
10/31/2022 • 24 minutes, 31 seconds
Ep. 92 Case Study: Couple Create $2.6 Million In 15 Years - The Sprint
We often talk a lot about taking steps towards financial freedom as early as possible, but what if you've only got 10 or 15 years left before retirement? Is it too late? Well, this episode is for you. Hosted on Acast. See acast.com/privacy for more information.
10/25/2022 • 10 minutes, 33 seconds
Ep. 91 Savings Vs. Offset - The Best Place For Your Emergency Fund
This week we've got a question from a listener, Dean asks: "What are the pros and cons of using your emergency fund to offset your home mortgage (in either an offset or revolving credit facility)? Hosted on Acast. See acast.com/privacy for more information.
10/17/2022 • 12 minutes, 58 seconds
Ep. 90 Is Living In Australia Cheaper Than NZ? We Crunch The Numbers
This week on Cheques and Balances, we answer a listener question, is it cheaper to live in Australia than NZ? We crunch the numbers! Hosted on Acast. See acast.com/privacy for more information.
10/10/2022 • 12 minutes, 23 seconds
BONUS EPISODE: How To Sell Your Business - Ft Peter Nola
We've got a bonus episode this week with business broker at ABC Business Sales Peter Nola Hosted on Acast. See acast.com/privacy for more information.
10/6/2022 • 11 minutes, 34 seconds
Ep. 88 5 Myths When Trying To Sell Your Business - Ft Peter Nola
This week we're joined by Peter Nola, business broker at ABC with 5 of the most common myths business owners believe when selling their business. Hosted on Acast. See acast.com/privacy for more information.
10/3/2022 • 14 minutes, 53 seconds
Ep. 87 60% Of First Home Buyers Use This Bank - The Bank Of Mum And Dad
With the property ladder getting more out of reach for first home buyers, Kiwi's are forced to get creative with pulling together a deposit. The bank of Mum and Dad has become the 5th largest home loan lender in New Zealand, with an estimated $22.6 billion being loaned out to family members to help them get into a home. Hosted on Acast. See acast.com/privacy for more information.
9/26/2022 • 14 minutes, 24 seconds
Ep. 86 Couple Earn 500k But Can't Retire - A Case Study On Rich Vs. Wealthy Households
This week we do a case study on what a 'rich' and a 'wealthy' household looks like. You might think they are the same but they are worlds apart. Hosted on Acast. See acast.com/privacy for more information.
9/19/2022 • 15 minutes, 46 seconds
Ep. 85 Q&A With Kernel CEO Dean Anderson
This week we're joined by Dean Anderson, CEO of Kernel, for a quick chat about his experience in the market, what Kernel is and how it got started. Hosted on Acast. See acast.com/privacy for more information.
9/12/2022 • 17 minutes, 2 seconds
Ep. 84 How To Time The Stock Market
We often hear from investors that they are worried about timing the market. What if they invest and the next crash or recession is imminent? The potential for loss is uncomfortable. You will always find someone who thinks the market is too hot or cold or risky right now and market prices are ultimately driven by investor sentiment. So we thought we would demonstrate how to perfectly time the markets Hosted on Acast. See acast.com/privacy for more information.
9/4/2022 • 10 minutes, 16 seconds
Ep. 83 5 Myths About Mortgage Applications
There's a lot of myths floating around in the media about mortgages applications so we thought we'd take the time out today to bust some common myths! Hosted on Acast. See acast.com/privacy for more information.
8/28/2022 • 7 minutes, 59 seconds
Ep. 82 Financial Advisers React to TikTok Money Advice
On this week's episode we're joined by Dean Anderson from Kernel Wealth and we're going to be looking at some of the financial advice on TikTok and giving our thoughts. This episode is best enjoyed on YouTube, so search Cheques and Balances to get the full experience. Hosted on Acast. See acast.com/privacy for more information.
8/21/2022 • 17 minutes, 1 second
Ep. 81 What The CCCFA Rollback Means For You
On this episode, we go through the latest CCCFA rollbacks and what they mean for you, including a case study on the changes. Hosted on Acast. See acast.com/privacy for more information.
8/15/2022 • 6 minutes, 42 seconds
Ep. 80 The Wealth Principle You Need To Know
On this podcast we talk a lot about market updates, strategies to help you get ahead and securing your financial future but today we thought we’d talk a bit about the mindset of a wealthy person. Why is this important? if you can grasp this concept, everything else will tend to fall in place. For many of our clients and people watching/listening to this, their main goal will be to generate wealth, and how do you find out how to build wealth? Well you study what wealthy people do. Hosted on Acast. See acast.com/privacy for more information.
8/7/2022 • 11 minutes, 57 seconds
Ep. 79 5 Myths About Insurance
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.
8/1/2022 • 10 minutes, 1 second
Ep. 78 Health Insurance – Do You Need It?
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.
7/25/2022 • 14 minutes, 36 seconds
Ep. 77 The 5% First Home Deposit - Myth Or Truth?
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.
7/18/2022 • 9 minutes, 12 seconds
Ep. 76 Tax Bills From $800 To $8,000 - A Case Study On Interest Deductibility
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.
7/11/2022 • 15 minutes, 22 seconds
Ep. 75 We Review Our 2021 Predictions + Our New 2022 Predictions
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.
7/4/2022 • 14 minutes, 57 seconds
Ep. 74 KiwiSaver Balance By Age - Are You Behind?
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-on-retirement Hosted on Acast. See acast.com/privacy for more information.
6/27/2022 • 15 minutes, 3 seconds
Ep. 73 5 Tips For Finding More Cashflow In Your Rental Property
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.
6/20/2022 • 10 minutes, 17 seconds
Ep. 72 How KiwiSaver Passive Funds Could Lose You Money
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.
6/13/2022 • 8 minutes, 5 seconds
Ep. 71 The R Word - Are We In A Recession?
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.
6/6/2022 • 14 minutes, 27 seconds
Ep. 70 Interest Rates Have Almost Doubled - What Should You Do?
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.
5/30/2022 • 11 minutes, 47 seconds
Ep. 69 Government Makes It Easier For First Home Buyers - New Announcement Details
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.
5/25/2022 • 5 minutes, 29 seconds
Ep. 68 Is The Media Impacting Your Money Decisions? How Clickbait Media Is Losing You Money
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.
5/16/2022 • 7 minutes, 47 seconds
EP. 67 What can impact your ability to get a mortgage? Afterpay debt affecting your mortgage?
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 ability to get a mortgage? That credit card limit you haven't even used can impact your ability to get a mortgage! Do credit scores affect your ability to get a mortgage?James Blair and Mike Vincent are Directs at Lighthouse Financial in New Zealand and have been in financial services for over 20 years combined. Hosted on Acast. See acast.com/privacy for more information.
5/12/2022 • 8 minutes, 38 seconds
Ep. 66 Investment market volatility
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.
5/2/2022 • 7 minutes, 56 seconds
Ep. 65 Winners and Losers - Netflix, Twitter and Disney
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 with free speech, Mike shares some valid points about the purchase and who it really benefits. Listen to James and Mike discuss the Poison Pill strategy which sounds like something out of Romeo & Juliet, Mike tells us how he really feels about Elon and Pirate Bay, and James asks Mike out to the movies. Hosted on Acast. See acast.com/privacy for more information.
4/27/2022 • 14 minutes
Ep. 64 Interest rates and inflation
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 could impact the serviceability for around 20% of people. We strongly recommend you speak to your bank or your mortgage broker so you can get professional advice on your situation. Everyone is different so beware of opinions in clickbait articles. Hosted on Acast. See acast.com/privacy for more information.
4/25/2022 • 8 minutes, 5 seconds
Ep. 63 Crypto coins and the future of Cryptocurrency
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 find out more with our latest episode.Disclaimer: This podcast is not intended as legal advice and it should not be considered or relied on by any audience as such. Like most aspects of law, each crypto legal issue must be considered by reference to its own facts. James Cochrane and Stace Hammond do not profess to be experts in any other field discussed e.g. economics, financial advice, accounting. The podcast should not be treated as professional advice of any kind (e.g. legal, accounting, tax, or financial advice). It is for educational purposes only. Please note that the material mentioned is for illustrative purposes only. Its inclusion is intended to make the podcast accessible for all viewers / listeners. We also reserve the right to correct any errors in the podcast that we discover. The views are James Cochrane’s own and do not necessarily reflect the views of the Stace Hammond partnership collectively. Hosted on Acast. See acast.com/privacy for more information.
4/17/2022 • 31 minutes, 44 seconds
Ep. 62 Crypto as legal tender? Will it catch on?
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 legal tender. Keep up with the play and find out more with our latest episode.Disclaimer: This podcast is not intended as legal advice and it should not be considered or relied on by any audience as such. Like most aspects of law, each crypto legal issue must be considered by reference to its own facts. James Cochrane and Stace Hammond do not profess to be experts in any other field discussed e.g. economics, financial advice, accounting. The podcast should not be treated as professional advice of any kind (e.g. legal, accounting, tax, or financial advice). It is for educational purposes only. Please note that the material mentioned is for illustrative purposes only. Its inclusion is intended to make the podcast accessible for all viewers / listeners. We also reserve the right to correct any errors in the podcast that we discover. The views are James Cochrane’s own and do not necessarily reflect the views of the Stace Hammond partnership collectively. Hosted on Acast. See acast.com/privacy for more information.
4/11/2022 • 24 minutes, 37 seconds
Ep. 61 Crypto Part 2 - The history of Cryptocurrency
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 intended as legal advice and it should not be considered or relied on by any audience as such. Like most aspects of law, each crypto legal issue must be considered by reference to its own facts. James Cochrane and Stace Hammond do not profess to be experts in any other field discussed e.g. economics, financial advice, accounting. The podcast should not be treated as professional advice of any kind (e.g. legal, accounting, tax, or financial advice). It is for educational purposes only. Please note that the material mentioned is for illustrative purposes only. Its inclusion is intended to make the podcast accessible for all viewers / listeners. We also reserve the right to correct any errors in the podcast that we discover. The views are James Cochrane’s own and do not necessarily reflect the views of the Stace Hammond partnership collectively. Hosted on Acast. See acast.com/privacy for more information.
4/3/2022 • 19 minutes, 42 seconds
Ep. 60 Crypto Part 1 - The history of Cryptocurrency
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 podcast is not intended as legal advice and it should not be considered or relied on by any audience as such. Like most aspects of law, each crypto legal issue must be considered by reference to its own facts. James Cochrane and Stace Hammond do not profess to be experts in any other field discussed e.g. economics, financial advice, accounting. The podcast should not be treated as professional advice of any kind (e.g. legal, accounting, tax, or financial advice). It is for educational purposes only. Please note that the material mentioned is for illustrative purposes only. Its inclusion is intended to make the podcast accessible for all viewers / listeners. We also reserve the right to correct any errors in the podcast that we discover. The views are James Cochrane’s own and do not necessarily reflect the views of the Stace Hammond partnership collectively. Hosted on Acast. See acast.com/privacy for more information.
3/28/2022 • 24 minutes, 3 seconds
Ep. 59 The Secret Problem
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 money. There is a problem many people face and it's not usually spoken of, it's not running out of money by the way. Find out more with our latest episode. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
3/20/2022 • 14 minutes, 42 seconds
Ep. 58 Science of regret. What do people regret the most in life? How do you give your money purpose?
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 people and how you can give your money purpose so that you hopefully live your best life.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
3/13/2022 • 24 minutes, 6 seconds
Ep. 57 Goal based planning
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 still have funds in your later years in life, this episode is for you.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
3/6/2022 • 22 minutes, 44 seconds
Ep. 56 You can't put a number on happiness
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? Listen to how people reach that goal and then realise, they're still unhappy.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
2/27/2022 • 23 minutes, 38 seconds
EP. 55 Why can't I get a mortgage now?
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 your chances as they are able to present your information to the bank in a way that you can't. Want to know how? Listen to this episode.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 any financial decisions.See acast.com/privacy for privacy and opt-out information. Hosted on Acast. See acast.com/privacy for more information.
2/21/2022 • 12 minutes, 3 seconds
EP.54 Why are the markets dropping? What do you do with your investments?
Join James and Mike in this week's episode of Cheques & Balances as they discuss the reasons behind why the markets are dropping. Do you buy or sell your shares? If you're a first home buyer which KiwiSaver fund should you be in? Your questions are answered here with the team from Lighthouse.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
2/15/2022 • 11 minutes, 54 seconds
EP.53 What are the things to consider before buying into a company? | Cheques and Balances Podcast
Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthouse Financial services, Matt Harris. In this weeks episode, they discuss the important things to consider before buying into a company, the pros and cons and the different ways of buying into a business. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
1/29/2022 • 11 minutes, 15 seconds
EP. 52 What to do if you're priced out of the property market? Alternative options for investing
Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthouse Financial services, Matt Harris. In this week's episode, the team discuss, What to do if you're priced out of the property market and alternative options for investing. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
1/18/2022 • 9 minutes, 26 seconds
EP. 51 What are the Resource Management Act (RMA) Changes? How will the RMA changes impact property prices?
Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthouse Financial services, Matt Harris. In this weeks episode, they discuss the recent changes to the Resource Management (RMA), what will be the flow-on impact to property prices, what areas of New Zealand will be impacted and can you expect a large development next door at your place??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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
1/12/2022 • 14 minutes, 34 seconds
Common GST Questions Accountants are asked about Property | Do you pay GST on Air BnB income?
Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthouse Financial services, Matt Harris. This week they discuss when you need to pay GST on a property, AirBnB and GST, common mistakes clients make on property transactions, GST on new builds, GST on lifestyle blocks, affordable housing for Kiwis, subdividing properties and much more. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
12/29/2021 • 14 minutes, 39 seconds
EP. 49 Should you have a financial plan? The benefits of implementing a financial plan for your future
Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthouse Financial services, Matt Harris. This week they discuss, should you have a financial plan and the benefits of implementing a financial plan for your future.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
12/20/2021 • 15 minutes, 53 seconds
EP.48 The deposit needed for your first home | Low deposit lending for new builds
Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthouse Financial services, Matt Harris. This week they discuss the deposit needed for your first home and low deposit lending for new builds. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
12/15/2021 • 12 minutes, 52 seconds
EP.47 The top five mistakes people make moving into retirement | Easy steps to maximise your situation
Join James and Mike in this week's episode of Cheques & Balances where they discuss the new shared property ownership scheme. They are joined once again by the Head of Sales and Marketing of Mint Asset Management, David Boyle as they discuss, the top five mistakes people make moving into retirement and easy steps to maximise your situation.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
12/7/2021 • 24 minutes, 14 seconds
EP.46 Are you in good shape for retirement? Important tips for preparing your retirement
Join James and Mike in this week's episode of Cheques & Balances where they discuss the new shared property ownership scheme. They are joined once again by the Head of Sales and Marketing of Mint Asset Management, David Boyle as they discuss, are you in good shape for retirement and important tips for preparing your retirement.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
12/1/2021 • 16 minutes, 57 seconds
EP.45 What is the future of KiwiSaver? | Why is KiwiSaver so important for retirement?
Join James and Mike in this week's episode of Cheques & Balances where they discuss the new shared property ownership scheme. They are joined once again by the Head of Sales and Marketing of Mint Asset Management, David Boyle as they discuss, what is the future of KiwiSaver and Why is KiwiSaver so important for retirement. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
11/26/2021 • 28 minutes, 46 seconds
EP. 44 Should you DIY invest or use an Advisor?| Pros and cons of using an investment platform
Join James and Mike in this week's episode of Cheques & Balances where they discuss the new shared property ownership scheme. They are joined by the Head of Sales and Marketing of Mint Asset Management, David Boyle as they discuss Should you DIY invest or use an advisor? The pros and cons of using an investment platform.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
11/23/2021 • 27 minutes, 13 seconds
EP. 43 Why is it getting harder to borrow money from the bank? What do the Responsible Lending Changes mean for you?
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss What are the responsible lending Code Changes, What is the purpose of the changes, and when they will come into effect.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
11/17/2021 • 15 minutes, 40 seconds
EP. 42 How Much Do You Need In Retirement?| Can you rely on New Zealand Superannuation in retirement?
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss how much do you need in retirement, can you rely on New Zealand Superannuation in retirement, and examples of how much you need to save for varying incomes.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
11/14/2021 • 18 minutes, 8 seconds
EP.41 What is the new Government Shared Ownership Scheme | How will it help first home buyers?
Join James and Mike in this week's episode of Cheques & Balances where they discuss the new shared property ownership scheme. They are joined once again by property guru and Managing Director of Lighthouse Financial services Matt Harris as they discuss, the new government shared ownership scheme and how it will help first home buyers into the property market.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
11/9/2021 • 16 minutes, 18 seconds
EP.40 Should you invest in gold | Pros and cons of investing in precious metals | Gold returns vs S&P 500
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss should you invest in gold, the pros and cons of investing in precious metals, and gold returns vs the S&P 500.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
11/4/2021 • 15 minutes, 29 seconds
EP.39 What would you do if you won $42m? | Pokeno lottery jackpot |How to invest lottery winnings
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss the recent Pokeno lottery Jackpot last week which begs the question, what would you do if you won $42 million and how to invest lottery winnings.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
10/29/2021 • 16 minutes, 59 seconds
EP.38 What does 4.9% inflation mean for you?| Consequences of historically high inflation on the economy
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss what does 4.9% inflation mean for you and the consequences of historically high inflation on the economy.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
10/21/2021 • 21 minutes, 38 seconds
EP.37 New Property Tax Changes Explained | Loop Holes Explained | What Constitutes a New Build Investment?
Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthouse Financial services, Matt Harris. This week they discuss the new property tax changes explained, winners and losers of the recent investment property changes, Loop Holes explained, and what constitutes a new build investment.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
10/14/2021 • 29 minutes, 1 second
EP.36 The five D's of DIY investing| World investor week| Tips for a 'do it yourself' investment strategy
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss the five D's of DIY investing, world investor week, and tips of a 'do it yourself' investment strategy.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
10/14/2021 • 16 minutes, 22 seconds
EP.35 Should You invest while paying down your mortgage? | Maximising the sprint
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss a common question asked by our clients, should you invest while paying down your mortgage? How do you find the right balance between paying down your mortgage aggressively and investing enough for retirement? Should I pay down my mortgage aggressively and maximize the sprint. These are all very common questions we get asked by our clients.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
10/7/2021 • 16 minutes, 50 seconds
EP.34 Should you purchase a property with a friend or family member? How to structure a property venture
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss should you purchase a property with a friend or family member and how to structure a property venture.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
10/5/2021 • 19 minutes, 12 seconds
EP. 33 What is a Financial Advisor? | How can a Financial Advisor help you?
Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances. In this week's episode, we discuss what is a Financial Advisor, how they can help you in regards to your financial situation, and the most common questions and misconceptions of a financial advisor.The content in this podcast is 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
9/29/2021 • 17 minutes, 56 seconds
EP. 32 Evergrande Crisis Explained | Will China Bail Out Evergrande? Chinese Lehman Brothers
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss the current situation regarding the Chinese property developer, Evergrande. In this week's episode, we break down the Evergrande Crisis by explaining who Evergrande are, what has gone wrong, what could happen if they go bankrupt and if we think they will. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
9/23/2021 • 22 minutes, 8 seconds
EP. 31 What is a mortgage broker? | How can a they help you | Pros and Cons of a mortgage broker
Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances. In this week's episode, we discuss what is a mortgage broker, how they can help you when looking to purchase property, and the pros and cons of working with a mortgage broker.The content in this podcast is 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
9/20/2021 • 19 minutes, 20 seconds
EP. 30 What is the sprint? | How to maximise your financial position leading into retirement
Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances. In this week's episode, we discuss the sprint, how to maximize your financial position after paying off your mortgage, and achieving financial freedom.The content in this podcast is 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
9/16/2021 • 5 minutes, 41 seconds
EP. 29 Tips for Business Owners During Lockdown | How Business Owners can prepare for future lockdowns
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 owners will be feeling isolated with a lot of pressure on their shoulders. We have dedicated this weeks episode of Cheques & Balances to all business owners. Andrew provides some easy to follow tips for all business owners. If you aren't a business owner, you can still action quite a few of the tips. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
9/14/2021 • 16 minutes, 37 seconds
EP. 28 The future of finance | What is open banking? | What will the roles of banks be in the future?
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 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
9/9/2021 • 28 minutes, 8 seconds
EP. 27 CEO & Founder of PocketSmith Jason Leong | Different ways to budget | The story of PocketSmith | AfterPay
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 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
9/8/2021 • 29 minutes, 58 seconds
EP. 26 Top 5 tips for Lockdown | How to make the most of your lockdown from a financial perspective
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 personal situation and goals before making any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
9/1/2021 • 24 minutes, 18 seconds
EP.25 Our Predictions - Cryptocurrency to the floor | Housing market boom to continue | Sharp interest rate rises
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 should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
8/25/2021 • 18 minutes, 33 seconds
EP. 24 Are you over or under insured? | Beginners guide to insurance | Why should you have insurance?
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 most common questions we get asked as insurance advisors and are all relevant questions you should be asking yourself given your financial situation. The content in this podcast is 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
8/18/2021 • 18 minutes, 56 seconds
EP. 23 Investment Property 101| Beginners guide to investment Property |How to get onto the property ladder
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 on the property ladder. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
8/11/2021 • 28 minutes, 44 seconds
EP. 22 Do you have a plan for retirement? | Our top 5 tips to help you plan for retirement
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. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
8/4/2021 • 16 minutes, 27 seconds
EP. 21 Women superannuation gap | Why do women have 12% less in their KiwiSaver in comparison to men?
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 financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
7/28/2021 • 16 minutes, 10 seconds
EP. 20 Are interest rates on the rise? | Different ways you can structure your mortgage
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 if rates will rise, but when. This week, we explore ways of structuring your mortgage to help alleviate the pressure of rising rates.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
7/21/2021 • 15 minutes, 54 seconds
EP. 19 Top five tips to become more financially literate | Top 5 money tips | How to become financial literate
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 financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
7/14/2021 • 16 minutes, 13 seconds
Ep. 18 What is lifestyle creep | How do I manage a pay rise | Best way to avoid lifestyle creep
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 personal situation and goals before making any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
7/7/2021 • 10 minutes, 53 seconds
Ep. 17 Housing policy Changes | Interest deductibility for investment properties | Debt to income ratios
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? Avid property investor, tax expert, and Lighthouse Fnancial Services Managing Director Matthew Harris talks us through some of these hot topics. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
6/30/2021 • 22 minutes, 42 seconds
Ep. 16 How to set up a budget | Budgeting tips | How to automate your budget | How do I budget for a house?
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 significantly faster. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
6/23/2021 • 15 minutes, 32 seconds
Ep. 15 Do you need a will? What can happen if you don't have a will? How much does a will cost?
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 asked every day like Do you need a will? What can happen if you don't have a will? How much does a will cost?James Blair and Michael Vincent are hosts of Cheques & Balances and Financial Advisers who have 20 years of experience combined.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
6/16/2021 • 11 minutes, 29 seconds
Ep. 14 Shaun McGivern - 15 for 15 | Property Investor | Partner at a large law firm | Wealth Creation Journey
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 also shares with wealth creation journey via property and tips for young lawyers.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 any financial decisions. If you would like to receive financial advice please email us at [email protected] Hosted on Acast. See acast.com/privacy for more information.
6/14/2021 • 16 minutes, 36 seconds
Ep. 13 How your lawyer can help you when purchasing a property | How much does a lawyer cost when buying a house
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 law so knows this area inside out. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
6/8/2021 • 14 minutes, 40 seconds
Ep. 12 Which KiwiSaver is right for you? What do the recent default KiwiSaver changes mean?
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 combined. 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 any financial decisions.SHOW LESS Hosted on Acast. See acast.com/privacy for more information.
6/2/2021 • 15 minutes, 22 seconds
Ep. 11 Should I buy a bigger home? How much longer will I have a mortgage if I upgrade my home
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 a mortgage if you upgrade your home. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
5/26/2021 • 10 minutes, 52 seconds
Ep. 10 Should I pay down debt or invest? Should I clear my mortgage or should i invest in managed funds?
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, investing and clearing debt at the same time. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
5/19/2021 • 11 minutes, 39 seconds
Ep. 9 How to get out of debt | Should I have a credit card? When is it okay to use after pay?
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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
5/12/2021 • 13 minutes, 8 seconds
Ep. 8 How do I help my kids get on the property ladder | How do I give my kids a head start in life?
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 tips on how you can plan for the future. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
5/4/2021 • 11 minutes, 8 seconds
Ep. 7 Introduction to the share market - Different ways to invest into the share market - What is a share?
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 should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
4/28/2021 • 11 minutes, 52 seconds
Ep. 6 Can you retire at 50 ? | What do you need to do to be in a position to retire at 50?
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 not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
4/20/2021 • 10 minutes, 26 seconds
Ep. 5 How much can you borrow for your first home? Tips when buying - KiwiSaver and First Home Grant
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 not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
4/14/2021 • 12 minutes, 48 seconds
Ep. 4 Tips to save a deposit for your first home - What are the costs to buy your first home?
Join James Blair and Mike for their weekly podcast, Cheques and Balances. In this weeks episode, James and Mike ask - can you buy your first home and Maintain your lifestyle? This is a common question we get from Kiwis in their 20s. This is a two-part series. In part one we talk about how to save for your first home with a solid budget. We also tackle the costs associated with buying your first home - building reports, lawers fees, moving costs. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
4/8/2021 • 10 minutes
Ep. 3 How will recent housing policy changes impact the investor? | Is property still a good investment NZ
Join James and Mike in this weeks episode of Cheques & Balances to discuss the recent housing policy changes. They are joined by Accountant, Matthew Harris who shares his thoughts on wow will recent housing policy changes impact the investor? and Is property still a good investment NZ.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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
3/24/2021 • 12 minutes, 23 seconds
Ep. 2 Talking to your partner about money | How to embrace the awkwardness | Goal Setting with your spouse
Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances for weekly money tips. In this episode, we discuss talking to your partner about money, how to embrace awkwardness and goal setting with your partner. 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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
3/22/2021 • 9 minutes, 36 seconds
Ep. 1 Is now a good time to buy a house? Should I wait for house prices to drop? Should you buy bitcoin?
Join James and Mike in their weekly podcast Cheques & Balances where they share weekly money tips. In this episode we ask is now a good time to buy a house? Should I wait for house prices to drop? What is cryptocurrency? Should you buy bitcoin?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 any financial decisions. Hosted on Acast. See acast.com/privacy for more information.
