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Happy New Year
We are confident 2012 is going to be another memorable year. Last year was a blast. It is important to us to connect, share stories and help educate you when we can, as being part of our community is important to us. We shall endeavor to bring you a variety of fascinating articles and tips in our newsletters .
Advice Financial is one of New Zealand's finest financial planning companys'. Our job is helping our clients protect and increase their wealth, by working with them to achieve their short, medium and long term goals. This is the time of the year to make resolutions. Why not make a New Year resolution to sit down with Advice Financial and map out where you want to be in 5 years’ time or 12 months’ time? We are experts at helping people make plans, sticking to them, and acheiving their goals. We love seeing the results that our clients get, and share their joy when they acheived them.
Another resolution might be to join KiwiSaver, if you haven't already. Give us a call to so you can start building your nest egg for the future. Let us help you claim the $1000 Kick-start payment from the government. You will be surprised how quickly the KiwiSaver money accumulates.
As time passes, peoples situations change. Are your insurance policies still appropriate for your families needs? Take a few minutes to review them, or make an appointment to sit down with us to review them. Click HERE to make an appointment.
Here's to an incredible 2012. Let us help you make the most of it...
Regards
Jamie and the Advice Financial Team
There are two mistakes one can make along the road to truth…not going all the way, and not starting.
Buddha
Goal Setting
It is another new year. A time to start afresh, rested and recovered from the last year. A time to asses what we need and want from this year.
It is really easy to get lost in the day to day monotony of keeping afloat and juggling life. Losing focus and making sacrifices to get stuff done is common amongst us all. It does not make life any easier when we are bombarded with negative media stories telling us how bad everything is from the moment we wake up until we go to bed at night.
But in the grand scheme of things our lives are great, wondrous even. We can do pretty much anything we want, as long as we follow a few basic steps.
- Make sure your goals are something you can control. Do not set a goal to get quoted in a local newspaper. You can’t control that. No matter how much you work, or how much you try, it’s ultimately someone else’s decision. You CAN choose a goal that you will contact 5 newspapers to try and get quoted in one.
- Break the goals up into smaller chunks. Creating smaller goals will help you stay motivated towards the larger goal. Like when you are running and you tell yourself you can make it to the stop sign. Then the stop sign comes and you tell yourself you can make it to the next corner, so you keep going until you have finished your run!
- Set reasonable time frames. If your goal is to build a deck, and you know it is going to take 15 hours. Do not give your self until tomorrow to complete it. What if it rains? And what if you have other commitments as well. If you are unreasonable in your timeframe, your goal date is going to come and go, without your goal being accomplished, and you will feel discouraged. So you might set aside Saturday afternoons over the next month to complete the project. ( if you get a decent run and you finish before, it is a bonus).
- FOCUS. When you are setting goals, make sure you don’t try and bite off more than you can chew. Don’t set 5 goals at the same time for different things. When you are trying to do too many things at once, you will feel overwhelmed and also become discouraged. Focusing your time and efforts will help you to achieve the goals you have set, instead of leaving 5 goals half way completed.
Does It Look Familiar?
Summer Reading
We were going to write about the best spots around NZ to soak up the sun, but the weather has been so miserable, so we have decided to give you a run down of some great books, to entertain you this wet summer.
The Growth Map: Economic Opportunity In The BRIC's And Beyond
 In 2001, Jim O'Neill predicted the fastest growing economies of the past decade. Now he's back to explore the new growth markets we should all be watching closely today.
It's been ten years since Jim O'Neill conceived of the BRIC acronym. He and his team made a startling prediction: Four developing nations- Brazil, Russia, India, and China (the BRICs)-would overtake the six largest western economies.
The 4-Hour Body:
An Uncommon Guide To Rapid Fat-Loss, Incredible Sex, And Becoming Superhuman.
 Thinner, bigger, faster, stronger... which 150 pages will you read? Is it possible to: Reach your genetic potential in 6 months? Sleep 2 hours per day and perform better than on 8 hours? Lose more fat than a marathon runner by bingeing? Indeed, all of these and much more. This is not just another diet and fitness book. The 4-Hour Body is the result of an obsessive quest of self discovery.
Stoked!
Fishermen and good home cooks alike devoured Go Fish and its winning combination of excellent recipes, great yarns, gorgeous photography, devotion to the stunning NZ coastline and way of life, all with a touch of nostalgia. Now Al Brown applies this same formula to that icon of Kiwi life: the barbecue. But not just any old barbecue: Al explores a wide range of outdoor cooking styles.
The Great New Zealand Cafe: Discover The Best In Coffee And Cafe Culture
 Armed only with a list of recommended cafes, Mathew Hawke and Niki Grennell set off on a three-month odyssey to visit and sample the coffee culture of character cafes the length and breadth of New Zealand. Illustrated throughout with colour photographs and a lively text design, this book can be dipped into at random or read as a journey from one cafe to the next.
Steve Jobs: The Exclusive Biography
An extraordinary book, which gives us a unique insight into the life and thinking of the man who has single-handedly transformed the world.
Video of the MonthThe TED website is amazing, if you haven't watched video's from TED, do it. It has the world's best speakers, sharing their time and talent..
Here is a video of a speaker sharing what he learnt when his plane crashed.
Reading Round Up
Big banks relaxing mortgage rules
The big banks are increasing the amount of residential mortgages they're writing with loan to value ratios (LVRs) in excess of 80 per cent. (NZ Herald)
Insurance deal will make the biggest firm even bigger
An insurance giant with nearly a million customers will be the result of IAG's takeover of AMI, says IAG's top New Zealand executive. (NZ Herald)
KiwiSaver membership nears 1.85 million after 19,000 new investors joined up in November
More than 19,000 investors signed up to KiwiSaver last month bringing total membership close to 1.85 million, according to default provider Tower in its latest monthly release on KiwiSaver.
Saving for a child's university education
Two experts offer their view on how to invest a lump sum gift from grandad
Sell-down of NZ state energy companies would gross $6.8 bln.
New Zealand’s sell-down of state-owned energy companies would gross about $6.8 billion, provided investors agree with the latest valuations by investment banks and research houses.
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Advice Financial, Level 4, 15 Huron Street, PO Box 331 317, Takapuna, Auckland, New Zealand
Telephone: (0800) 10 22 64 or +(64) 9 915 6464. Fax: (0800) 10 49 62. Email:
action@advicefinancial.co.nz
To view our Advisers' Disclosure Statements, please click on Our Team and follow the links to your region.
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