Personal Finance
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
Fraudulent comparison websites which ask for personal information, use that information to supply sophisticated fake product disclosure statements and false FMA licenses, inducing millions in 'investment". Most of this fraud originates from Europe
21st Dec 23, 10:21am
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Fraudulent comparison websites which ask for personal information, use that information to supply sophisticated fake product disclosure statements and false FMA licenses, inducing millions in 'investment". Most of this fraud originates from Europe
[updated]
BNZ responds to the end of year thin slice to some carded fixed home loan rates by ANZ, making some of its own. But BNZ did not trim its term deposit offers as ANZ did
21st Dec 23, 9:12am
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BNZ responds to the end of year thin slice to some carded fixed home loan rates by ANZ, making some of its own. But BNZ did not trim its term deposit offers as ANZ did
In a pre-Christmas move, our largest bank trims some key mortgage rates, and some not-so-key term deposit offers. Given where wholesale rates have been trending, this may be the start of a move down across the board
19th Dec 23, 5:55pm
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In a pre-Christmas move, our largest bank trims some key mortgage rates, and some not-so-key term deposit offers. Given where wholesale rates have been trending, this may be the start of a move down across the board
Holidays away can be a big test of a relationship - and not only about the money side of it. But being smart about money on holidays can avoid unintended stresses before, during and after, says Lynda Moore
16th Dec 23, 9:45am
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Holidays away can be a big test of a relationship - and not only about the money side of it. But being smart about money on holidays can avoid unintended stresses before, during and after, says Lynda Moore
Bank for International Settlements fires BNPL warning shot across the bow of those tasked with maintaining financial stability
8th Dec 23, 4:07pm
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Bank for International Settlements fires BNPL warning shot across the bow of those tasked with maintaining financial stability
ASB economists estimate that average household living costs will have increased by about $115 a week in 2023 - and with a further $70 hike to come next year, but income rises will probably beat that
7th Dec 23, 10:30am
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ASB economists estimate that average household living costs will have increased by about $115 a week in 2023 - and with a further $70 hike to come next year, but income rises will probably beat that
