FacebookXLinkedInRss

bigplanswm

About bigplanswm

This author has not yet filled in any details.
So far bigplanswm has created 74 blog entries.

Business Insurance

Business Insurance Business Insurance covers all types of insurance such as Plant and Machinery, Commercial Vehicles, Assets and the list goes on.  There are also risks in your business that you may have overlooked, and that is your cash flow, key people, and the business expenses that you need to pay. There are the risks you don't see (except for your key people!).  You can see your business assets when you get to work, you can see your building, but you cannot see your business expenses unless you are looking at your financial reports.  The point here is that there [...]

2019-07-23T09:39:50+12:0023/07/2019|Categories: Blog, Business Insurance|Tags: , , |
Read More

How to use KiwiSaver to buy your first home

If you want to know how you can use KiwiSaver to buy your first home read on and find out what you need and how buying your first home using KiwiSaver, you have to be in KiwiSaver for at least three years before you can use KiwiSaver as a deposit or part of a deposit to buy a home. It's important to understand that if you use your KiwiSaver to buy your first home, you may also be able to get a HomeStart grant from the Government through a Welcome Home Loan. You do not have to get a Welcome [...]

2019-06-25T07:00:00+12:0025/06/2019|Categories: Blog, Home Loans|Tags: , |
Read More

Income Insurance Agreed or Indemnity?

When it comes to Income Insurance, the fine print matters, here are a few key areas to consider when getting your Income Insurance sorted. GET AN AGREEMENT FROM OUTSET There are a few policy types but you can bring them down to three core categories which are Agreed Value, Indemnity Value and Loss of Earnings but in this article, we will look at Agreed Value and Indemnity Value. Firstly, an Agreed Value policy means that you and the insurer agree to an insured amount when you take the policy out, so at claim time you will not have to prove [...]

2019-05-20T12:35:01+12:0020/05/2019|Categories: ACC, Blog, Income Insurance|Tags: , , |
Read More

Life Insurance Comparison

LIFE INSURANCE COMPARISON  When looking for the right life cover for you, getting a life Insurance comparison between companies is a smart idea, especially when you look at the long term cost, as well as the immediate price. Price is one of the main driving factors when looking for life cover online, but there are a couple of other factors to consider when getting a life insurance comparison. LONGER TERM COST  How much is your cover going to cost you over the long term? As for accumulative premium projections over a ten year and 20 year period, as well as [...]

2019-04-20T08:45:00+12:0020/04/2019|Categories: Blog, Life Insurance|Tags: , |
Read More

ACC – what is the correct plan for you?

What is the correct ACC plan for you? We are fortunate to have ACC in New Zealand, especially when it comes to being covered for accidents that are not work-related. Everyone in New Zealand is covered by ACC when injured by accident. In plain English, it does not matter what you were doing at the time you were injured, whether you're playing golf of at work you're covered. It does not matter who was at fault. ACC will cover you, as long your injury falls within New Zealand Law. Which ACC Plan is right for you? There are a few [...]

2019-03-20T17:52:25+13:0020/03/2019|Categories: ACC, Blog|Tags: |
Read More

Life Insurance how much do I need?

Deciding how much life insurance you need comes down to what are your priorities and current financial commitments.  There are some basics to follow which will give you an idea of how much cover you may need. Repay All Debt You should make sure you repay all debt in the event of either spouse. In most cases, the surviving spouse will struggle financially and will not be able to meet joint financial commitments, especially if the household has lost an income. If you think your spouse will be fine and you don't need any Life Insurance, try living on the [...]

2019-02-20T18:55:39+13:0020/02/2019|Categories: Blog, Life Insurance|
Read More

Find a Mortgage Broker

If you want to find a mortgage broker when you're looking for a home loan, then here are some tips to choosing a broker, especially if you do not have an existing working relationship with a mortgage broker already. 1. Establish Trust Firstly, you need to find a mortgage broker you can trust. If you don't already use a broker, ask around, ask people you know who have used a broker before, and get a recommendation. Getting a recommendation from someone you know is one of the best "trust" measurement tools you can use, after all, you wouldn't recommend anyone [...]

2019-01-21T15:28:03+13:0021/01/2019|Categories: Blog, Home Loans|Tags: , , |
Read More

Business Expenses Insurance

Business Expenses Insurance will pay for your fixed business overheads if you are unable to work due to sickness or accident.  It is not a loss of profits type of cover where you can insure against your lost profits if you have a fire or flood.  It's not that; it is to pay your fixed business expenses of a non-capital nature if the person who is insured cannot work. Why would you have Business Expenses Insurance? Usually, small business owners who are responsible for generating most of the income and expenses would have this type of cover.  If the owner has to [...]

2018-11-23T01:17:26+13:0023/11/2018|Categories: Blog|Tags: , |
Read More

Best Medical Insurance

Who has the best medical insurance will depend on the benefits you are looking for in your cover.  In my opinion, one of the main criteria is where medical insurance will pay for Non-Pharmac subsidised drug treatment. For example, in today's' modern society new innovative drugs are being developed to help treat cancer, and some of the new drugs help those who are undergoing cancer treatment, but unless Pharmac subsidises the new drugs, they are far too expensive for most individuals.  Medical insurance could make the difference between life or death. So who has the best medical insurance? Most major [...]

2018-10-19T19:44:10+13:0019/10/2018|Categories: Blog, Health Insurance|Tags: , , |
Read More

Best bank mortgage

Who has the best bank mortgage? Who has the best bank mortgage is an important question when you are looking to buy a home or refinance a current home, but it may not be a bank at all, but rather a Non-Bank lender who are who are not banks, more defined, not a registered trading bank. The leading trading banks have the majority of mortgage lending in New Zealand, and also they give us a sense of security when it comes to lending.  We can walk into their offices, talk face to face with staff, see their fleet vehicles driving around [...]

2018-09-20T12:13:33+12:0020/09/2018|Categories: Blog, Home Loans, Mortgage Finance|Tags: , , , , , , |
Read More
Go to Top