Botany and Ormiston Times
Howick and Pakuranga Times : Howick and Pakuranga Times, Thurs, Sept 27
www.times.co.nz A Times Newspapers Supplement, September 2012 --- 9 The best of times... Enjoying your retirement Unit 20, 2 Bishop Dunn Place, Botany, Auckland Phone 273 2173 | email@example.com www.sanctuarytrustlaw.co.nz The Family Trust Specialist Jacques Vannoort LLM 117700 INVESTMENT ADVISERS For retirement and Kiwisaver advice please call for a free consultation with one of our Authorised Financial Advisers Adviser Disclosure Statements are available on request and free of charge at all Generation Wealth Management offices. 123 Ormiston Rd, Botany Junction Telephone 09 272 9030 www.generationwealth.co.nz 111897 Units 1-3 Fencible Chambers Cnr Fencible Dr & Moore St, Howick Village Phone 535 4190 www.galbraiths.co.nz 117519 Galbraiths offer a full range of legal services to clients, including buying and selling properties, commercial and civil litigation, court work, sale and purchase of businesses, franchising, family and employment law, wills and estate planning and advice regarding setting up and administering of family trusts. Conveniently located with ample free client parking right outside the door. Have you made a will? If you have, is it up to date? Have you made enduring powers of attorney? If the answer to any of these questions is 'no', contact us at Galbraiths. • Family Trusts • Wills & Estate Administration • Relationship Property Agreements • Company Law • Employment Contracts • Conveyancing Barrister & Solicitor 118845 Telephone 535 2150 Kelly Flavell Law 18 Uxbridge Road, Howick. Office 1, Howick Village Mall, Central Terrace, Howick Village 0800 Fencible or 533 3539 www.fenciblelaw.co.nz 117515 Richard Galbraith Kelly McCullough Toni Field See us firSt when you are thinking about making a Will, establishing a family trust, or think you may need an Enduring Power of Attorney or advice on Administering an Estate. Retirees urged to sort their money By Meredith Keys We would all be better off -- along with our gardens and homes -- if we gave our finances a spring clean once a year, according to Retirement Commissioner Diana Crossan. New Zealand's inaugural Money Week, which took place September 2-8, was an initiative from the Commission for Financial Literacy and Retirement Income, and designed to encourage all New Zealanders to take steps to manage their everyday money better. Ms Crossan says taking charge of one's financial situation is empowering and can have positive effects on other aspects of life apart from the wallet. "Worries about money can put major strain on relationships. The key to getting on top of your finances is to take control and make sound decisions. "Money Week encouraged all Kiwis to give their finances an annual check-up and make adjustments if necessary." Ms Crossan says many Kiwis don't like talking about money but she hopes that spring-cleaning finances in the first week of September every year will become as normal as making New Year's resolutions in January. "I urge all Kiwis to set some money goals and make a plan to reach them. Making plans to pay off your credit card each month can be a great place to start," she says. Reserve Bank figures from May this year showed Kiwis owed roughly $3.6 billion in interest-bearing credit card balances. At an average rate of 17.7%, that means we're paying on average around $639 million each year in interest alone. The Retirement Commissioner recommends that any financial evaluation should include: ◆ Setting short, medium and long-term goals ◆ Making a money plan so you can be sure you're living within your income and can save towards your goals ◆ Putting any surplus towards paying off debts faster ◆ If debt-free except for a mortgage, increase repayments ◆ Checking if insurances suit needs and are up-to-date ◆ Considering KiwiSaver or another form of retirement savings The Sorted website provides free information, tools and calculators to help Kiwis sort their finances.
Howick and Pakuranga Times, Mon, Sept 24
Howick and Pakuranga Times, Mon, Oct 1