Interest rates have moved from record lows of 1.95% to 5.25% in the space of 12 months. This is an average repayment increase of $30,000 per year! James and Mike give some insight into current market sentiment, the economics behind rising interest rates and what you should do! Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

The recent Government's Budget 2022 announcement has made it easier for Kiwis to get into their first home! See how these changes could affect you. Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

On this weeks episode of Cheques & Balances Mike and James discuss all of the recent media doom and gloom regarding increasing interest rates, inflation and even a recession. Learn what you should be doing when you read clickbait articles online. Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

It is becoming more difficult to get a mortgage from a bank. With inflation, rising interest rates, banks increasing their test rates, record house prices, you need all the help you can get. On this week's episode of Cheques & Balances, Mortgage Broker, Mike Vincent answers some very important questions regarding getting a mortgage in New Zealand. Did you know your afterpay can impact your ability to get a mortgage? That credit card limit you haven't even used can impact your ability to get a mortgage! Do credit scores affect your ability to get a mortgage? James Blair and Mike Vincent are Directs at Lighthouse Financial in New Zealand and have been in financial services for over 20 years combined. Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

With the market volatility at the moment, what should you do with your investments? Well, that depends on what your goals are. Find out more about why the markets are down, is now a good time to purchase shares, and whether it's time to get add a financial adviser to your life. Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Who are the winners and losers when it comes to the streaming giants Netflix and Disney? For the first time since its inception, Netflix lost subscribers. Doesn't help that there are 100 million shared passwords for accounts but where there is a market, there's a way. Also, love him or hate him, Elon Musk has bought Twitter for a premium. Although he claims it was to maintain a platform with free speech, Mike shares some valid points about the purchase and who it really benefits. Listen to James and Mike discuss the Poison Pill strategy which sounds like something out of Romeo & Juliet, Mike tells us how he really feels about Elon and Pirate Bay, and James asks Mike out to the movies. Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Global supply chains have been affected due to Covid and the war between Ukraine and Russia. People are demanding more and the supply isn't able to keep up which is pushing up prices. The cost of goods is going up and then there is inflation. To fix or not to fix? That is the question. Many people are concerned about what they should do with their mortgages. If interest rates go above 5%, this could impact the serviceability for around 20% of people. We strongly recommend you speak to your bank or your mortgage broker so you can get professional advice on your situation. Everyone is different so beware of opinions in clickbait articles. Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Join James and Mike in this week's episode of Cheques & Balances as they discuss crypto. They are joined by James Cochrane a crypto law expert and Partner at Stace Hammond. There are over 13,000 different crypto coins so how do you know which one to take a punt on? What are stable coins? Find out how James does his due diligence and the concept of "too big to fail". Keep up with the play and find out more with our latest episode.Disclaimer: This podcast is not intended as legal advice and it should not be considered or relied on by any audience as such. Like most aspects of law, each crypto legal issue must be considered by reference to its own facts. James Cochrane and Stace Hammond do not profess to be experts in any other field discussed e.g. economics, financial advice, accounting. The podcast should not be treated as professional advice of any kind (e.g. legal, accounting, tax, or financial advice). It is for educational purposes only. Please note that the material mentioned is for illustrative purposes only. Its inclusion is intended to make the podcast accessible for all viewers / listeners. We also reserve the right to correct any errors in the podcast that we discover. The views are James Cochrane’s own and do not necessarily reflect the views of the Stace Hammond partnership collectively. Hosted on Acast. See acast.com/privacy for more information.

Join James and Mike in this week's episode of Cheques & Balances as they discuss crypto. They are joined by James Cochrane a crypto law expert and Partner at Stace Hammond. Which coins will be the winners and losers? Nations are adopting it and Ukraine legalised it. In El Salvador there is no tax on crypto and NZ hasn't established laws for it just yet. Tonga is looking at it currently as legal tender. Keep up with the play and find out more with our latest episode.Disclaimer: This podcast is not intended as legal advice and it should not be considered or relied on by any audience as such. Like most aspects of law, each crypto legal issue must be considered by reference to its own facts. James Cochrane and Stace Hammond do not profess to be experts in any other field discussed e.g. economics, financial advice, accounting. The podcast should not be treated as professional advice of any kind (e.g. legal, accounting, tax, or financial advice). It is for educational purposes only. Please note that the material mentioned is for illustrative purposes only. Its inclusion is intended to make the podcast accessible for all viewers / listeners. We also reserve the right to correct any errors in the podcast that we discover. The views are James Cochrane’s own and do not necessarily reflect the views of the Stace Hammond partnership collectively. Hosted on Acast. See acast.com/privacy for more information.

Join James and Mike in this week's episode of Cheques & Balances as they discuss crypto. They are joined by James Cochrane a crypto law expert and Partner at Stace Hammond. This is the second episode of four which breaks down crypto language, where it started, Ethereum, Metcalfe's law, and bitcoin mining to name a few. Find out more with our latest episode.Disclaimer: This podcast is not intended as legal advice and it should not be considered or relied on by any audience as such. Like most aspects of law, each crypto legal issue must be considered by reference to its own facts. James Cochrane and Stace Hammond do not profess to be experts in any other field discussed e.g. economics, financial advice, accounting. The podcast should not be treated as professional advice of any kind (e.g. legal, accounting, tax, or financial advice). It is for educational purposes only. Please note that the material mentioned is for illustrative purposes only. Its inclusion is intended to make the podcast accessible for all viewers / listeners. We also reserve the right to correct any errors in the podcast that we discover. The views are James Cochrane’s own and do not necessarily reflect the views of the Stace Hammond partnership collectively. Hosted on Acast. See acast.com/privacy for more information.