homeheart-househead.blogspot.com
Home / Heart - House / Head?: September 2010
http://homeheart-househead.blogspot.com/2010_09_01_archive.html
Home / Heart - House / Head? Tuesday, September 14, 2010. In Christchurch there’s recently been a massive earthquake and a swarm of quite considerable aftershocks. These were not predicted as it’s a fault line that hasn’t been active in living memory. So far the images fitted the stuff of a full scale disaster. The stuff that glues people to the T.V. waiting for the next sensation to give them that sense of awe that such things should happen to other people. And that the collateral damage isn’t onl...
homeheart-househead.blogspot.com
Home / Heart - House / Head?: Making Your Mortgage Pay You Dividends.
http://homeheart-househead.blogspot.com/2010/10/making-your-mortgage-pay-you-dividends.html
Home / Heart - House / Head? Thursday, October 21, 2010. Making Your Mortgage Pay You Dividends. I hate to see so many of New Zealanders’ hard earned dollars going to join our off-shore debt mountain. Like most of the Western world,. Joined the “buy now pay later” mind set. At the time, it seemed like the best thing to do. No one questioned the fact that all this borrowing was supported on the interest charged or that ownership of the so called assets was nominal and, in some cases, notional. Advertizing...
homeheart-househead.blogspot.com
Home / Heart - House / Head?: October 2010
http://homeheart-househead.blogspot.com/2010_10_01_archive.html
Home / Heart - House / Head? Thursday, October 21, 2010. Making Your Mortgage Pay You Dividends. I hate to see so many of New Zealanders’ hard earned dollars going to join our off-shore debt mountain. Like most of the Western world,. Joined the “buy now pay later” mind set. At the time, it seemed like the best thing to do. No one questioned the fact that all this borrowing was supported on the interest charged or that ownership of the so called assets was nominal and, in some cases, notional. Advertizing...
homeheart-househead.blogspot.com
Home / Heart - House / Head?: Building Equity by Downsizing Debt
http://homeheart-househead.blogspot.com/2010/08/building-equity-by-downsizing-debt.html
Home / Heart - House / Head? Sunday, August 29, 2010. Building Equity by Downsizing Debt. A lot of us are learning about the value of having equity in our home loans. Most people buy their houses for emotional reasons. They are in search of that mythical place called “home”. Recently a lot of us have had equity problems. Equity being the percentage of the home that we actually own against the percentage the bank owns. Unfortunately, not only did the new 20% equity ruling make it difficult for people new ...
homeheart-househead.blogspot.com
Home / Heart - House / Head?: Why are so many New Zealanders such poor savers?
http://homeheart-househead.blogspot.com/2010/10/why-are-so-many-new-zealanders-such.html
Home / Heart - House / Head? Thursday, October 21, 2010. Why are so many New Zealanders such poor savers? We’re lead to believe we’re short term thinkers and just plain bad with money. But what if this isn’t what’s causing our savings problems? Perhaps being bad with money isn’t our national character trait? Perhaps New Zealanders aren’t any more work shy or spendthrift than any other Western nation? So if it isn’t any of. The above, there must be some fundamental reason why we’re not saving? The first s...
homeheart-househead.blogspot.com
Home / Heart - House / Head?: Line of Credit: Damned if You Do and Damned if You Don’t.
http://homeheart-househead.blogspot.com/2010/10/line-of-credit-damned-if-you-do-and.html
Home / Heart - House / Head? Sunday, October 10, 2010. Line of Credit: Damned if You Do and Damned if You Don’t. Line of credit can be a burden or a blessing. Commonly known as revolving credit, this facility is available as ANZ Flexi plus, ASB Orbit, BNZ Rapid Repay, NB Thoroughbred, and WPC Everyday flexible. The principle of line of credit is excellent in that, if your income comes through a. This is not an uncommon story as is the fact that many people recently have been forced to live on credit card...
homeheart-househead.blogspot.com
Home / Heart - House / Head?: Future Planning or Navel Gazing?
http://homeheart-househead.blogspot.com/2010/09/future-planning-or-navel-gazing.html
Home / Heart - House / Head? Monday, September 6, 2010. Future Planning or Navel Gazing? In times of stress we are supposed to be hard-wired to fight or take flight. New Zealanders are known as battlers but what do we do if the odds get too stacked? Financial advisers often ask, "What's your long- term plan? What do you want to do with your life? So what keeps our income in suspended animation like this? It's that critical ratio between what we need to spend on our daily needs and debt servicing. The...
homeheart-househead.blogspot.com
Home / Heart - House / Head?: Human Capital
http://homeheart-househead.blogspot.com/2010/09/human-capital.html
Home / Heart - House / Head? Tuesday, September 14, 2010. In Christchurch there’s recently been a massive earthquake and a swarm of quite considerable aftershocks. These were not predicted as it’s a fault line that hasn’t been active in living memory. So far the images fitted the stuff of a full scale disaster. The stuff that glues people to the T.V. waiting for the next sensation to give them that sense of awe that such things should happen to other people. And that the collateral damage isn’t onl...
homeheart-househead.blogspot.com
Home / Heart - House / Head?: August 2010
http://homeheart-househead.blogspot.com/2010_08_01_archive.html
Home / Heart - House / Head? Sunday, August 29, 2010. Building Equity by Downsizing Debt. A lot of us are learning about the value of having equity in our home loans. Most people buy their houses for emotional reasons. They are in search of that mythical place called “home”. Recently a lot of us have had equity problems. Equity being the percentage of the home that we actually own against the percentage the bank owns. Unfortunately, not only did the new 20% equity ruling make it difficult for people new ...