Is self-insurance a good idea?

Is self-insurance a good idea?

It can be, depending on your propensity for risk.   If you’re a bit of a gambler, you might be happy to take some chances in life. By all means do so, if you’re willing to fork out when the bills come due. I’m thinking of a young man who had to use his house deposit...
The product you love to hate.

The product you love to hate.

Most people have no problem insuring something tangible like a house or car. But they baulk at paying premiums to protect their ability to earn a healthy income.   Some then compound the problem by getting their accountant to play clever games to reduce tax liability....
Sick children.

Sick children.

This is a difficult topic, because no one likes to think of children suffering life-threatening conditions. But it happens.   About 150 Kiwi children are diagnosed with cancer every year. Starship Hospital has 200 beds – and they are usually occupied. If your child...

‘Special events’ are an easy way to boost your cover.

What are special events? They’re the life-changing moments, like becoming a parent, starting a new job or getting married. They can also be less happy times like ending a relationship or seeing someone close to you die. Special events are important for insurance...
Who’s more important – you or your pet?

Who’s more important – you or your pet?

When working with clients I spend a lot of time going over budgets to get a clear picture of their finances. I’ve been impressed recently by the number of first-time buyers who are really focused on what they’re spending. This is great! I’ve also noticed a lot of...