Personal Finance

"Forever wrestling with annoying debt? Clueless about where your pay cheques go? Want to get ahead?Journalist, podcaster and reformed money mess Frances Cook is here for you. Tales from a Financial Hot Mess is the story of how Frances got her money sh*t sorted. She learned the ha...rd way so you dont have to, and details how you can: Change your money mindset. Set up a do-able budget. Avoid being fooled by banks and retailers. Understand investing (starting with what you have). Reduce your debt. Save more. Sort your KiwiSaver. Make smart housing decisions (whether renting or buying). Fix a mortgage that works for you (with your coffee and smashed avocado). Negotiate a pay rise. Simplify your life... and loads more. This book is the real deal not another bulleted, tabled, graphed lecture from a financial advisor whos never had issues with money. Delivering laughs and smarts, proven financial advice, handy how-tos (and please-donts) and numerous expert insights (from 22 actual experts), Tales from a Financial Hot Mess will guide you along the rocky path to financial freedom"--Publisher information.
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The shocking truth about Australia's financial institutions, as told by the journalist who did most to bring about Australia's banking royal commission. Against all the odds Australia ended up with a banking royal commission. Since hearings began in 2018, revelations about bankin...g and insurance company practices have rocked the nation. Even defenders of the banks have been blindsided. In Banking Bad, Adele Ferguson traces the origins of the banking scandal to the early 1990s, when buckets of money began pouring into compulsory superannuation funds, set up by Labor Treasurer Paul Keating. Attracted by the increasing cash, banks devised corrupt and questionable practices to get their hands on funds, along with aggressive selling practices that ignored due diligence, trust and honesty. Drawing on her multiple sources who led her to break the story of malpractice - the individuals, business owners, farmers and ordinary people who lost everything - Adele also looks at the falls from grace at the hands of the royal commission of some of the country's most highly ranked captains of industry, the failure of regulators and recommendations of the commissioner, Kenneth Hayne. And she asks whereto from here? This is a book every person with a bank account should read and learn from.
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"Find out what many in the financial world don't want you to know. Laid-back investing is not only easier, it can actually make you richer. Learn how to kill off debt, curb spending, find your best KiwiSaver fund, save painlessly, buy a house or be happy not buying one, and move ...confidently towards and through retirement (hint: you don't need $1 million). You'll also learn why it's best to 'set and forget' your investments. And why, beyond a certain point, having more money is not the key to happiness.Unlike many writers of finance books, Mary is not selling anything (except this book!). She just wants you to do well. She's on your side.'Mary has that rare ability to cut through the jargon to what really matters. She combines expert wisdom and real-world insights, with fantastic results!'"--publisher's description.
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Currency movement has become an increasingly important part of the state of todays economy and is vital in shaping both emerging economies and economic superpowers. As economies strive to recover from the worldwide financial crisis, the currency market has increasingly become the... focal point of policies designed to achieve prosperity.
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Family trusts are as popular today as ever. A family trust offers you the benefits, use and control of your assets and doesn't penalise you for owning them. Clear and straight-forward, and aimed at the layperson, Family Trusts includes up-to-date advice, with real-life examples a...nd answers to commonly asked questions throughout. It has sold well over 100,000 copies since it was first published and is an essential book for anyone curious about family trusts, whether they are self-employed, a business owner, a wage and salary earner or retired. 'In my experience, 75 per cent of family trusts in New Zealand are so badly arranged or managed that they could easily be attacked and overturned in court... managing a trust badly is a bit like insuring the contents of your house but then going on holiday and leaving the doors wide open,' says Hawes. This seventh revised edition includes a section on effective management of your trust; many people manage their trusts as if the assets in the trust were still their own, and keep poor records of the trust's transactions. Inadequate management can lead to accusations that the trust is a sham. Drawing on his vast experience, Martin Hawes explains how to keep correct records and minutes, and to manage your trust so that it is resilient in the face of a challenge.
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