Personal Finance
In an increasingly fractured world where great power rivalries are buffeting the international financial system, gold holdings and reserves are one way rogue states can insulate themselves. But the largest stakes are still Western-controlled
6th Feb 24, 12:40pm
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In an increasingly fractured world where great power rivalries are buffeting the international financial system, gold holdings and reserves are one way rogue states can insulate themselves. But the largest stakes are still Western-controlled
Stats NZ says its household living-cost price indexes show that all household groups in the country faced higher cost increases in the 2023 year than the 4.7% indicated by the CPI, the official measure of inflation
1st Feb 24, 11:16am
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Stats NZ says its household living-cost price indexes show that all household groups in the country faced higher cost increases in the 2023 year than the 4.7% indicated by the CPI, the official measure of inflation
Latest RBNZ figures show non-performing housing loans rose by 78.5% in the past year - but the stress levels are still much lower than they were after the global financial crisis
1st Feb 24, 9:23am
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Latest RBNZ figures show non-performing housing loans rose by 78.5% in the past year - but the stress levels are still much lower than they were after the global financial crisis
David Hargreaves dives back through from the start of detailed mortgage figures the Reserve Bank has now been producing for 9 years to show a picture of burgeoning first home buyer involvement and mostly shrinking investor participation
31st Jan 24, 11:44am
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David Hargreaves dives back through from the start of detailed mortgage figures the Reserve Bank has now been producing for 9 years to show a picture of burgeoning first home buyer involvement and mostly shrinking investor participation
Latest RBNZ figures show first home buyers picked up over a quarter of the new mortgage monies advanced in December - although it was a slow month overall
30th Jan 24, 11:20am
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Latest RBNZ figures show first home buyers picked up over a quarter of the new mortgage monies advanced in December - although it was a slow month overall
An overgrown set of financial habits can be hard to recover from without a plan. Lynda Moore has some positive-thinking strategies for getting on top of a gnarly build-up of debt
30th Jan 24, 11:19am
An overgrown set of financial habits can be hard to recover from without a plan. Lynda Moore has some positive-thinking strategies for getting on top of a gnarly build-up of debt
Lynda Moore helps you understand why adapting to the digital financial era is necessary, and how best to think and prepare for it
27th Jan 24, 9:25am
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Lynda Moore helps you understand why adapting to the digital financial era is necessary, and how best to think and prepare for it
Statistics New Zealand figures show household net worth increased by $5.3 billion in the September 2023 quarter, while savings rates remained steady
25th Jan 24, 11:35am
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Statistics New Zealand figures show household net worth increased by $5.3 billion in the September 2023 quarter, while savings rates remained steady
ASB moves both home loan and term deposit rates lower but only for the less popular longer terms. Still, they can claim a competitive three year home loan rate. But they can't claim unique term deposit offers
25th Jan 24, 9:48am
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ASB moves both home loan and term deposit rates lower but only for the less popular longer terms. Still, they can claim a competitive three year home loan rate. But they can't claim unique term deposit offers
David Hargreaves wonders whether the belated introduction of debt-to-income ratio controls will be a case of better-late-than-never, or whether they've already missed the proverbial bus
24th Jan 24, 9:59am
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David Hargreaves wonders whether the belated introduction of debt-to-income ratio controls will be a case of better-late-than-never, or whether they've already missed the proverbial bus
The next bank to trim home loan rates is Westpac. Their adjustments take them into line with their main rivals. But they did make a +10 bps rise to their six month term deposit rate to a somewhat unique level
18th Jan 24, 6:17pm
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The next bank to trim home loan rates is Westpac. Their adjustments take them into line with their main rivals. But they did make a +10 bps rise to their six month term deposit rate to a somewhat unique level
Latest Reserve Bank figures indicate that New Zealand's home owner-occupiers appear to be betting that interest rates will start coming down again sooner rather than later
17th Jan 24, 11:05am
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Latest Reserve Bank figures indicate that New Zealand's home owner-occupiers appear to be betting that interest rates will start coming down again sooner rather than later
Lynda Moore says a big picture plan it makes it much easier to make choices that are going to lead you in the direction you want to go. Then it is not about frugality now but abundance later
16th Jan 24, 2:33pm
Lynda Moore says a big picture plan it makes it much easier to make choices that are going to lead you in the direction you want to go. Then it is not about frugality now but abundance later
Savers who value the Government-guaranteed Kiwi Bond offer should be aware that in a declining interest rate environment, these rates are vulnerable to being trimmed
16th Jan 24, 1:31pm
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Savers who value the Government-guaranteed Kiwi Bond offer should be aware that in a declining interest rate environment, these rates are vulnerable to being trimmed
Both Kiwibank and TSB trim home loan rates to match the big Aussie banks. They also reduce some longer term deposit rates
15th Jan 24, 9:47am
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Both Kiwibank and TSB trim home loan rates to match the big Aussie banks. They also reduce some longer term deposit rates
Above 6% term deposit rates are changing behaviour in the household bank deposit sector. But households still haven't shifted to levels that were normal prior to the pandemic
12th Jan 24, 12:00pm
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Above 6% term deposit rates are changing behaviour in the household bank deposit sector. But households still haven't shifted to levels that were normal prior to the pandemic
Lynda Moore finds the one thing we don't do enough of, the one thing that gets dismissed when things get tough. She says, put it back on your schedule as a non-negotiable
11th Jan 24, 2:17pm
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Lynda Moore finds the one thing we don't do enough of, the one thing that gets dismissed when things get tough. She says, put it back on your schedule as a non-negotiable
The Co-operative Bank becomes the first mover on home loan and term deposit rates in 2024, even if most of its changes mirror those made by the majors at the end of last year
10th Jan 24, 2:49pm
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The Co-operative Bank becomes the first mover on home loan and term deposit rates in 2024, even if most of its changes mirror those made by the majors at the end of last year
Lynda Moore notes that failures are easier to recall than accomplishments. But you will have many accomplishments. Identify them and celebrate them. And use them to identify some worthwhile goals. Identifying your accomplishment emotion is the key
5th Jan 24, 5:20pm
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Lynda Moore notes that failures are easier to recall than accomplishments. But you will have many accomplishments. Identify them and celebrate them. And use them to identify some worthwhile goals. Identifying your accomplishment emotion is the key
We looked at all bank term deposit offers in every week for all of 2023 to find the bank consistently offering the highest rates. It was close between two aggressive challenger banks
3rd Jan 24, 3:00pm
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We looked at all bank term deposit offers in every week for all of 2023 to find the bank consistently offering the highest rates. It was close between two aggressive challenger banks
2023 was a year when things started returning to 'normal' (whatever that is now). But how will 2024 turn out? Have we consumed our future already? Time to record your 2024 predictions
31st Dec 23, 6:00am
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2023 was a year when things started returning to 'normal' (whatever that is now). But how will 2024 turn out? Have we consumed our future already? Time to record your 2024 predictions
Lynda Moore has ideas on how to get your resolve back, your finances back on track, and to make sure you don't go backwards in future Christmases
30th Dec 23, 10:40am
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Lynda Moore has ideas on how to get your resolve back, your finances back on track, and to make sure you don't go backwards in future Christmases
New Reserve Bank data adds extended transparency to deposits held by banks, bolstering the monitoring by the central bank ahead of the introduction of a deposit guarantee
29th Dec 23, 11:00am
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New Reserve Bank data adds extended transparency to deposits held by banks, bolstering the monitoring by the central bank ahead of the introduction of a deposit guarantee
The World Gold Council says that because the probability of a 2024 recession is not insignificant, there is a strong case for a strategic allocation of gold in a 2024 portfolio
28th Dec 23, 2:43pm
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The World Gold Council says that because the probability of a 2024 recession is not insignificant, there is a strong case for a strategic allocation of gold in a 2024 portfolio
Stuff happens to everyone. That can often result in financial anxiety. It is how you deal with it that will make the difference as to how quickly you recover, says Lynda Moore
23rd Dec 23, 9:31am
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Stuff happens to everyone. That can often result in financial anxiety. It is how you deal with it that will make the difference as to how quickly you recover, says Lynda Moore
