Cheques and Balances
Episodes
Talking Money With Your Partner | Money Month Day 12
11 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
How To Save For Short Term Goals | Money Month Day 11
10 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Keeping Up With The Joneses | Money Month Day 10
09 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
How To Build Healthy Habits | Money Month Day 9
08 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Why AfterPay Will Keep You Broke | Money Month Day 8
07 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
How To Increase Your Income | Money Month Day 7
06 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
How To Pay Off Consumer Debt | Money Month Day 6
05 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Understanding Good And Bad Debt | Money Month Day 5
04 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
How To Build An Emergency Fund | Money Month Day 4
03 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
How To Create A Budget | Money Month Day 3
02 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
How To Set Clear Goals | Money Month Day 2
01 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Welcome To Money Month! | Money Month Day 1
31 Jul 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Cashflow Hacking 101 Ft. Ilse Wolfe | Episode 127
31 Jul 2023
Contributed by Lukas
Ilse Wolfe joins us on Cheques and Balances to chat about how to find cashflow in property investments. The content in this podcast is the opinion of ...
How To Do Due Diligence On A New Build Ft. Shaun McGivern
26 Jul 2023
Contributed by Lukas
This week we have Shaun McGivern from Haigh Lyon Lawyers to talk about how to do due diligence on a new build contract. The content in this podcast is...
Why You Need A Prenup Ft. Amanda Donovan | Episode 126
24 Jul 2023
Contributed by Lukas
This week we're joined by Amanda Donovan from Haigh Lyon Lawyers to talk about contracting out agreements. Check out the full article here: http...
What The Latest LVR Changes Mean For You | Midweek Episode
19 Jul 2023
Contributed by Lukas
This week we discuss what the latest LVR changes mean for you. The content in this podcast is the opinion of the hosts. It should not be treated as f...
Why Aren't Rents Keeping Up With Property Costs? Ft. Valocity | Episode 125
17 Jul 2023
Contributed by Lukas
Exciting news! We have partnered with Valocity - NZ's leading property valuation and data platform. They will be providing us with market leading ...
Are You Too Poor For A Pet? | Midweek Episode
12 Jul 2023
Contributed by Lukas
This week we react to a viral Keep The Change podcast all about pets. The content in this podcast is the opinion of the hosts. It should not be trea...
From $5,000 to $20 Million before 40 - The Ilse Wolfe Story | Episode 124
10 Jul 2023
Contributed by Lukas
This week we're joined by Ilse Wolfe, Director at Opes Accelerate. Ilse has over 15+ years personal property investment experience, owning a priva...
Webinar Special: How To Build Your Financial Plan Ft. Keep The Change | Midweek Episode
05 Jul 2023
Contributed by Lukas
This week we go through our first webinar with Luke Kemeys from Keep The Change. Join our next webinar on the 10 Commandments Of Building Wealth below...
How To Prepare Your First Property Tax Returns | Episode 123
02 Jul 2023
Contributed by Lukas
This week we're joined by Amanda Quill to go through how to prepare your first year of tax returns for your rental property. Check out the full a...
Why Purchase A New Build? Ft. Juliet Lichtenstein From Colliers | Midweek Episode
27 Jun 2023
Contributed by Lukas
This week were joined by Juliet Lichtenstein, Associate Director of Residential Projects at Colliers to talk about why you should consider a new build...
Hnry vs. Accountants Ft. Amanda Quill | Episode 122
25 Jun 2023
Contributed by Lukas
This week we're joined by Amanda Quill to go through the pros and cons of using Hnry vs. using an accountant Check out the full article here: ht...
Commercial Property 101 Ft. David Burley From Colliers | Midweek Episode
20 Jun 2023
Contributed by Lukas
This week we're joined by David Burley, Auckland Director of Investment Sales at Colliers to talk about all things commercial property. The conte...
How To Budget For A Wedding Ft. Amanda Quill | Episode 121
18 Jun 2023
Contributed by Lukas
This week we're joined by Amanda Quill, Manager here at Lighthouse (and soon to be married) for her top tips on how to budget for your wedding. ...
How To Invest For Your Family Ft Catherine Emerson and Shaun McGivern | Midweek Episode
13 Jun 2023
Contributed by Lukas
This week we're joined by Catherine Emerson from Kernel Wealth and Shaun McGivern from Haigh Lyon Lawyers for an audio version of our recent "...
Property vs. Shares - The Ultimate Showdown | Episode 120
11 Jun 2023
Contributed by Lukas
The age old question - What provides better results, property or shares? We go through a case study, comparing a hypothetical ten-year investment in t...
38% Yearly Returns! Should You Invest In Developer Funds? | Midweek Episode
07 Jun 2023
Contributed by Lukas
This week we delve into developer funds and whether you should invest in them For more money tips follow us on: Facebook - https://www.facebook.com...
Financial Scams You Need To Avoid | Episode 119
05 Jun 2023
Contributed by Lukas
Around one in five Kiwis has been targeted by an investment scam. Here's all the common financial scams you need to avoid. Check out the full art...
How To Be An "Ethical" Property Investor Ft. Matthew Harris | Midweek Episode
30 May 2023
Contributed by Lukas
This week we're joined by Matthew Harris to talk about how to be an "ethical" property investor. The content in this podcast is the opi...
Habits Of Wealthy People | Episode 118
28 May 2023
Contributed by Lukas
Understanding the habits that contribute to financial success is paramount in today's economic climate. These habits are not exclusive to wealthy ...
Are Trusts Now Worthless? What The New Trust Tax Rates Mean For You Ft. Matthew Harris | Midweek Episode
23 May 2023
Contributed by Lukas
This week we have Matthew Harris on to talk about the implications of the new trust tax rules. For more money tips follow us on: Facebook - https:/...
Habits Of Poor People | Episode 117
22 May 2023
Contributed by Lukas
We go through the top habits that lead to a poor mindset. Check out the full article here: https://lighthousefinancial.co.nz/habits-of-poor-people ...
Should NZ Have A Wealth Tax? Ft. Matthew Harris | Midweek Episode
17 May 2023
Contributed by Lukas
This week we discuss if NZ should have a wealth tax. For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnz In...
Top 5 Mistakes We See Clients Make | Episode 116
14 May 2023
Contributed by Lukas
We’ve supported over 4,000 NZ families and individuals in navigating their finances. Over time, we’ve noticed several common mistakes our clients ...
What You Need To Know About Sharesies' KiwiSaver Scheme Ft. Catherine Emerson | Midweek Episode
10 May 2023
Contributed by Lukas
This week we're joined by Catherine Emerson to chat about Sharesies' New KiwiSaver Scheme and the pros and cons of self managed retirement fun...
We're At The Bottom Baby! - Why The Housing Market Will Turn In May | Episode 115
08 May 2023
Contributed by Lukas
Inflation peaking, the official cash rate, easing LVR rules and increased market activity are just some of the reasons May could be the bottom of the ...
How To Build Your Financial Plan Webinar - Keep The Change & Lighthouse Financial | Midweek Episode
02 May 2023
Contributed by Lukas
James Blair and Luke Kemeys go through all the steps you need to build your financial plan and become financially bulletproof in 2023. A financial pla...
Is The F.I.R.E Movement A Scam? | Episode 114
01 May 2023
Contributed by Lukas
As people look for ways to enjoy their lives outside the confines of a traditional 9-to-5 job, people have been joining the F.I.R.E movement, but what...
Has The RBNZ Gone Too Far? We Review Their Latest Changes | Midweek Episode
25 Apr 2023
Contributed by Lukas
Join James and Mike as they review the RBNZ's latest changes. The content in this podcast is the opinion of the hosts. It should not be treated as...
How To Beat The Third Generation Curse | Episode 113
24 Apr 2023
Contributed by Lukas
The third-generation curse is a phenomenon that affects 90% of families causing them to lose all of their wealth by the third generation. Register fo...
Brand New Home Loan Changes You Need To Know! | Midweek Episode
19 Apr 2023
Contributed by Lukas
This week Mike goes through the brand new changes all the major banks have implemented for property purchases. The content in this podcast is the opin...
Property Development 101 Ft. Matthew Harris | Episode 112
16 Apr 2023
Contributed by Lukas
This week we have Matthew Harris on again to talk about his biggest lessons in his property development journey. Check out the full article here: ht...
From 0 To 30 Properties In 10 Years - The Matthew Harris Story | Episode 111
11 Apr 2023
Contributed by Lukas
This week we have our Managing Director on the podcast to chat about his story of how he went from 0 - 30 properties in just 10 years. The content in ...
We Answer Your Instagram Questions! | Midweek Episode
04 Apr 2023
Contributed by Lukas
On this week's episode, we answer your instagram questions! The content in this podcast is the opinion of the hosts. It should not be treated as f...
Houses vs. Townhouses vs. Apartments: We Look At The Numbers | Episode 110
03 Apr 2023
Contributed by Lukas
We take a look at the numbers and compare the value appreciation of houses, townhouses, and apartments in Auckland over the past two decades. Check o...
A Due Diligence Horror Story - A Buyer Short $1.3m On A New Build Property | Midweek Episode
29 Mar 2023
Contributed by Lukas
This week, Mike tells us a story on a house purchase that went horribly wrong. The content in this podcast is the opinion of the hosts. It should not...
How To Budget For A Baby Ft. Catherine Emerson From Kernel Wealth | Episode 109
26 Mar 2023
Contributed by Lukas
This week we're joined by Catherine Emerson from Kernel Wealth to talk about how to budget for a baby. Pre-register for our event here Check out K...
Kiwis Spend 13 Hours A Month Worrying About Money | Midweek Episode
22 Mar 2023
Contributed by Lukas
On this midweek episode, James and Mike react to a study that found Kiwis spend 13 hours of work time a month worrying about money. You can see the ar...
The Psychology Of Money | Episode 108
19 Mar 2023
Contributed by Lukas
Money is a ubiquitous part of our daily lives, and yet we are often taught that it is impolite to talk about it. Learn all about the psychology of mon...
Index Investing With S&P Dow Jones Indices Managing Director Tim Edwards | Midweek Episode
15 Mar 2023
Contributed by Lukas
This week James is going solo with special guest Tim Edwards, Managing Director and Global Head of Index Investment Strategy at S&P Dow Jones Indi...
Reverse Mortgages – A Good Retirement Strategy? | Episode 107
13 Mar 2023
Contributed by Lukas
Many older Kiwis are considering reverse mortgages as a means of accessing the equity in their homes and turning it into cash. However, the question r...
Pyjamas, The Last Of Us And The B Word - We Answer Your Instagram Questions | Midweek Episode
08 Mar 2023
Contributed by Lukas
Join James and Mike for weekly money tips Hosted on Acast. See acast.com/privacy for more information. The content in this podcast is the opinion of ...
When Investing In Property Is The Wrong Solution - A Case Study | Episode 106
05 Mar 2023
Contributed by Lukas
Property investment has become an obsession in New Zealand due to its ability to yield great returns over time. But is it the always the best solution...
5 Signs You're Broke - We React To Luke Kemey's Viral Video | Midweek Episode
01 Mar 2023
Contributed by Lukas
On this midweek episode, we react to Luke Kemey's viral video about the 5 signs that you're broke! Hosted on Acast. See acast.com/privacy for...
Term Deposits: Are They Worth It? | Episode 105
27 Feb 2023
Contributed by Lukas
Interest rates in New Zealand have been on the rise lately, and while this may be bad news for borrowers, it is great news for savers. With all banks ...
How Cyclone Gabrielle Will Impact Our Economy | Bonus Episode
22 Feb 2023
Contributed by Lukas
A bonus mid week episode on how cyclone Gabrielle will impact our economy and the latest OCR announcement in NZ. Hosted on Acast. See acast.com/priva...
Our 2023 Predictions - Ft Luke Kemeys | Episode 104
20 Feb 2023
Contributed by Lukas
Has inflation peaked? Will the stock market boom this year? Who will win the NZ election?! James and Mike are joined by Luke Kemeys from Next Advisory...
Webinar Special: Inflation, Interest Rates and Volatility | Episode 103
13 Feb 2023
Contributed by Lukas
This week we have a special episode from a recent webinar we did on how to make financial decisions in a world of inflation, rising interest rates and...
The Ultimate First Home Buyers Guide | Episode 102
07 Feb 2023
Contributed by Lukas
Purchasing your first home is an exciting time, it will be one of the largest financial commitments you will make in your life. It is a process that i...
How To Tackle 2023 – High Interest Rates And Rising Unemployment | Episode 101
30 Jan 2023
Contributed by Lukas
Here are some tips to help you manage your finances in a world of high interest rates and rising unemployment: Find out more about our business webina...
Ep. 100 What Happens After A Recession?
18 Dec 2022
Contributed by Lukas
What happens after the world falls apart and the stock market crashes? Hosted on Acast. See acast.com/privacy for more information. The content in th...
Ep. 99 Triple Your Income In 12 Months - Starting A Business At 50
11 Dec 2022
Contributed by Lukas
This week on Cheques and Balances, we’re joined by Jason Gerken who shares his inspirational story about starting a business at 50. Hosted on Acast...
Ep. 98 30 Year Old Couple Retire At 50 With Over $5 Million – Case Study
05 Dec 2022
Contributed by Lukas
We recently had some clients purchase their first home come to James and ask about what their next steps should be. People dream of getting onto the p...
Ep. 97 Why 40 Might Be Too Late To Buy Your First Home (The Numbers Will Shock You)
28 Nov 2022
Contributed by Lukas
We're starting to see more and more clients who are buying their first home a little later in life, but is it the right financial decision? We cru...
Ep. 96 What Is Financial Fasting? We Explore The Trend
20 Nov 2022
Contributed by Lukas
We explore the trend sweeping the internet. This week we're getting our finances ready for summer, its financial fasting. Hosted on Acast. See a...
Ep. 95 Financial Advisers React to TikTok Money Advice Part 2
14 Nov 2022
Contributed by Lukas
You asked for it, so here it is! We're going to be looking at some more financial advice on TikTok and giving our thoughts. This episode is best e...
Ep. 94 The Barefoot Investor Book Review - Part 2
07 Nov 2022
Contributed by Lukas
The final part of our II part series. We review the #1 Australian best selling book by author Scott Pape; The Barefoot Investor. Scott Pape believes t...
Ep. 93 The Barefoot Investor Book Review - Part 1
31 Oct 2022
Contributed by Lukas
We review the #1 Australian best selling book by Author Scott Pape; The Barefoot Investor. Scott Pape believes this is the only money guide you’ll e...
Ep. 92 Case Study: Couple Create $2.6 Million In 15 Years - The Sprint
25 Oct 2022
Contributed by Lukas
We often talk a lot about taking steps towards financial freedom as early as possible, but what if you've only got 10 or 15 years left before reti...
Ep. 91 Savings Vs. Offset - The Best Place For Your Emergency Fund
17 Oct 2022
Contributed by Lukas
This week we've got a question from a listener, Dean asks: "What are the pros and cons of using your emergency fund to offset your home mortg...
Ep. 90 Is Living In Australia Cheaper Than NZ? We Crunch The Numbers
10 Oct 2022
Contributed by Lukas
This week on Cheques and Balances, we answer a listener question, is it cheaper to live in Australia than NZ? We crunch the numbers! Hosted on Acast....
BONUS EPISODE: How To Sell Your Business - Ft Peter Nola
06 Oct 2022
Contributed by Lukas
We've got a bonus episode this week with business broker at ABC Business Sales Peter Nola Hosted on Acast. See acast.com/privacy for more informa...
Ep. 88 5 Myths When Trying To Sell Your Business - Ft Peter Nola
03 Oct 2022
Contributed by Lukas
This week we're joined by Peter Nola, business broker at ABC with 5 of the most common myths business owners believe when selling their business. ...
Ep. 87 60% Of First Home Buyers Use This Bank - The Bank Of Mum And Dad
26 Sep 2022
Contributed by Lukas
With the property ladder getting more out of reach for first home buyers, Kiwi's are forced to get creative with pulling together a deposit. The b...
Ep. 86 Couple Earn 500k But Can't Retire - A Case Study On Rich Vs. Wealthy Households
19 Sep 2022
Contributed by Lukas
This week we do a case study on what a 'rich' and a 'wealthy' household looks like. You might think they are the same but they are wor...
Ep. 85 Q&A With Kernel CEO Dean Anderson
12 Sep 2022
Contributed by Lukas
This week we're joined by Dean Anderson, CEO of Kernel, for a quick chat about his experience in the market, what Kernel is and how it got started...
Ep. 84 How To Time The Stock Market
04 Sep 2022
Contributed by Lukas
We often hear from investors that they are worried about timing the market. What if they invest and the next crash or recession is imminent? The poten...
Ep. 83 5 Myths About Mortgage Applications
28 Aug 2022
Contributed by Lukas
There's a lot of myths floating around in the media about mortgages applications so we thought we'd take the time out today to bust some commo...
Ep. 82 Financial Advisers React to TikTok Money Advice
21 Aug 2022
Contributed by Lukas
On this week's episode we're joined by Dean Anderson from Kernel Wealth and we're going to be looking at some of the financial advice on T...
Ep. 81 What The CCCFA Rollback Means For You
15 Aug 2022
Contributed by Lukas
On this episode, we go through the latest CCCFA rollbacks and what they mean for you, including a case study on the changes. Hosted on Acast. See aca...
Ep. 80 The Wealth Principle You Need To Know
07 Aug 2022
Contributed by Lukas
On this podcast we talk a lot about market updates, strategies to help you get ahead and securing your financial future but today we thought we’d ta...
Ep. 79 5 Myths About Insurance
01 Aug 2022
Contributed by Lukas
On this week's episode, we're joined by Elle Wuthrich, Insurance Adviser at Lighthouse to talk through 5 common myths around insurance. Hoste...
Ep. 78 Health Insurance – Do You Need It?
25 Jul 2022
Contributed by Lukas
This week we’re joined by Elle Wuthrich, Insurance Adviser at Lighthouse to talk about health insurance and why you need it. Hosted on Acast. See a...
Ep. 77 The 5% First Home Deposit - Myth Or Truth?
18 Jul 2022
Contributed by Lukas
With the 5% First Home Loan Deposit, effective 1st June 2022, you can now purchase a property for any price and only need a 5% deposit. We're join...
Ep. 76 Tax Bills From $800 To $8,000 - A Case Study On Interest Deductibility
11 Jul 2022
Contributed by Lukas
Since interest deductibility is being phased out, most Kiwi investors have paid little attention to how this will affect them and haven't consider...
Ep. 75 We Review Our 2021 Predictions + Our New 2022 Predictions
04 Jul 2022
Contributed by Lukas
On this episode, we go through our 2021 predictions to see if we were right and give our 2022 predictions for the year. Hosted on Acast. See acast.co...
Ep. 74 KiwiSaver Balance By Age - Are You Behind?
27 Jun 2022
Contributed by Lukas
Mike and James answer the question on whether you are behind on your retirement savings. On this episode, we deep dive into how much different retirem...
Ep. 73 5 Tips For Finding More Cashflow In Your Rental Property
20 Jun 2022
Contributed by Lukas
Interest rates, inflation and interest limitation changes mean that owning a rental property has become significantly more expensive. On this episode,...
Ep. 72 How KiwiSaver Passive Funds Could Lose You Money
13 Jun 2022
Contributed by Lukas
In this episode, Mike and James look into why one of NZ's largest KiwiSaver conservative funds reported bigger losses than most growth funds. A de...
Ep. 71 The R Word - Are We In A Recession?
06 Jun 2022
Contributed by Lukas
On this episode, James and Mike explain exactly what a recession is, what happens when recessions occur and why they might be a good thing. Hosted on...
Ep. 70 Interest Rates Have Almost Doubled - What Should You Do?
30 May 2022
Contributed by Lukas
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! Jam...
Ep. 69 Government Makes It Easier For First Home Buyers - New Announcement Details
25 May 2022
Contributed by Lukas
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 y...
Ep. 68 Is The Media Impacting Your Money Decisions? How Clickbait Media Is Losing You Money
16 May 2022
Contributed by Lukas
On this weeks episode of Cheques & Balances Mike and James discuss all of the recent media doom and gloom regarding increasing interest rates, inf...
EP. 67 What can impact your ability to get a mortgage? Afterpay debt affecting your mortgage?
12 May 2022
Contributed by Lukas
It is becoming more difficult to get a mortgage from a bank. With inflation, rising interest rates, banks increasing their test rates, record house pr...
Ep. 66 Investment market volatility
02 May 2022
Contributed by Lukas
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...
Ep. 65 Winners and Losers - Netflix, Twitter and Disney
27 Apr 2022
Contributed by Lukas
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 subscrib...
Ep. 64 Interest rates and inflation
25 Apr 2022
Contributed by Lukas
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 t...
Ep. 63 Crypto coins and the future of Cryptocurrency
17 Apr 2022
Contributed by Lukas
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...
Ep. 62 Crypto as legal tender? Will it catch on?
11 Apr 2022
Contributed by Lukas
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...