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Finance and Economics
The Importance of Cash Flow
The Impact of Online Reputation Management in the Business Field
A small business will only grow when you let go
Reasons Why Companies Should Invest in Background Checks
Is your business prepared for the unexpected?
Your Mission is to Know Why Your Organization Exists! Do You Accept?
Topshop no longer want me as a customer – and that’s not a bad thing
Could the cloud save your company money?
Retiring Early
How to Plan your Investment Portfolio
The future of business communication through technology tools
Do You Need A Digital Detox?
Is your Business Creating a Great Impression
How to Recruit Your Next Sales Star
Who’s on your team of committed advisors?
Should You have a Close Friend at Work?
PropertyTutors appoints new General Manager
Think Big, Work Smart: 5 Technologies to Increase Team Productivity
How Safe are Your Bank Deposits?
Have Your Say on Retirement Income Policy
How to Lower the Cost of Your ACC Premiums
Business coaches – are they worth it?
The Flight from Bonds
When Helpers Are Leaders – Three Lessons from the Boston Marathon and UNH
Buying Property with a Low Deposit
The world economy is still reeling from the effects of the Global Financial Crisis, and one of the major elements of this catastrophic event was a huge increase in lending on residential property by American banks to people who had a low deposit and low incomes.

The increased lending fuelled property prices, and when the inevitable property crash occurred, financial institutions and borrowers were left facing huge losses, causing economic instability.

To prevent such an occurrence in New Zealand, the Reserve Bank is considering putting restrictions on the amount of lending done by banks where the lending is more than 80% of the value of the property. This arrangement is likely to prevent banks offering second mortgages where the total borrowing is over 80% of the property value.

First home buyers will be most affected by these changes. The Welcome Home Loan Scheme supported by Housing New Zealand is a low deposit scheme which is excluded from the restrictions, however there are strict eligibility criteria for these loans.

Being a member of KiwiSaver gives a good head start towards finding a 20% deposit. After three years of membership you can withdraw your KiwiSaver funds, excluding the Government kickstart and member tax credits, for the purchase of a first home. You may also be entitled to a first home subsidy of $1,000 for each year of KiwiSaver membership up to a maximum of $5,000.

Another strategy is to ask your family to use their home as security for part of the loan. The advantage of this approach is that it enables your family to help you without having to give you cash for a deposit. It does, however, involve a certain amount of risk for your family as they will be relying on you to make the mortgage payments on time.
Business with Australia: A right time?
Business with Australia: homework
Bring Home Your Aussie Super
Psychometric Assessment – It’s not so daunting!
Business with Australia: Culture clash
Searching for the Epiphany Moment
Are your affairs in a mess?
Leadership Lessons from July 4th – 237 Years Ago
5 Ways Your Logo Impacts Your Social Presence
Business with Australia: long distance relationship
Can You Adjust Your Leadership to the Situation?
Managing conflict: How MBTI helps me create team harmony
How to Incorporate a Business: Choosing a State for Incorporation
Practicing without attachment encourages collaborative teamwork
Property Investment for Retirees
Online Reputation Management For New Zealand Business
5 Ways to Improve Local SEO and Drive Sales
Fighting over the Family Fortune
KiwiSaver Options for Retirees
Conducting a Redundancy Process
When and How to Use a Financial Adviser
Value Reputation and New Zealand Business
Buying Property with a Low Deposit
When is the best time to rebrand your business? Probably not Monday
A Few Leadership Lessons from the Coast Guard’s Eagle
Why it’s worth renegotiating with your bank
Is Your Team Damaging Your Business Reputation?
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Doing Business in China 5 Kiwi Tips
Using Deviant Behavior to Change Outcomes
How to be Financially Secure
Orcon needs to improve its customer service
The Masters – Watch-out for Leaders Who Pursue Perfection
Frugality is not the Key to Riches
Marketing and the maturing manufacturer
The Three Reasons J.C. Penney will not survive
Have you ever lied or deceived by omission?
How Much Should You Care About Broken Processes?
Avoiding Disaster with House Insurance
The Pitfalls of Overseas Investments
Awesome Team Icebreakers Business Meetings
Trial Periods – the first 90 days
Two Lessons on How Business and Culture Impact Gender Motivation
How to get your employees to do what you want them to
Record Lows for Mortgage Interest Rates
The Happiest Man in the World
Turn Knowledge into Action
The most common business mistakes and how to embrace them
Business with Australia: Play down the Kiwi bit
Are Business Cards Still a Necessity?
Engage Your Team – Dream On!
Proposals have a special place in the mind of many sales people
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