Author: Clive Fernandes
Bigger deposit on a smaller house or visa versa?
Choosing between a smaller deposit on a cheaper property or a 5% deposit on a more expensive one involves assessing your budget, long-term goals, job [...]
Tips to Prepare for a Recession
Preparing for uncertain economic times is wise. Many fear making significant decisions during recessions, but careful planning can mitigate concerns. [...]
Tips To Get By Financially In New Zealand
Living in New Zealand requires prudent financial management. Start with budgeting to track income and expenses, then save automatically for short and [...]
Buying a House out of Fear – Don’t Know What to Do
Deciding to buy a home can be daunting. Consider market unpredictability, your financial stability, and responsibilities like maintenance and insuranc [...]
I’m a teenager. What should I do with my savings?
Well done on managing your finances at a young age! Suggestions for your savings: create an emergency fund, allocate for short and long-term goals, ex [...]
Would You Consider This Portfolio “Diverse”?
Your portfolio covers various sectors, but true diversification extends beyond sectors. Consider adding different asset classes and regions to achieve [...]
What Things Should I be Aware of When Selling My Home?
Selling a house involves crucial financial considerations. Real estate agent commissions, hidden charges, auctioneer fees (if auctioning), and marketi [...]
What should I do with my emergency fund?
Managing your emergency fund effectively involves smart choices. Consider a high-interest savings account for quick access and some interest earnings. [...]
Where My Term Deposit Money Is Going and What Are the Risks?
Bank's Term Deposits offer a fixed interest rate but carry risks like bank failure and vulnerability to inflation. While rare, bank failures can happe [...]
I am starting a new job. What tax code am I?
Determining your tax code can be intricate, especially with a student loan and part-time employment. In New Zealand, if your part-time job is your pri [...]