Cheques and Balances

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...

Ep. 61 Crypto Part 2 - The history of Cryptocurrency

03 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. 60 Crypto Part 1 - The history of Cryptocurrency

28 Mar 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. 59 The Secret Problem

20 Mar 2022

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances as they discuss The Secret Problem. They are joined by Ben Brinkerhoff who is Hea...

Ep. 58 Science of regret. What do people regret the most in life? How do you give your money purpose?

13 Mar 2022

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances as they discuss the science of regret. They are joined by Ben Brinkerhoff who is ...

Ep. 57 Goal based planning

06 Mar 2022

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances as they discuss goal based planning. They are joined by Ben Brinkerhoff who is He...

Ep. 56 You can't put a number on happiness

27 Feb 2022

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances as they discuss why you can't put a number on happiness. They are joined by Ben B...

EP. 55 Why can't I get a mortgage now?

21 Feb 2022

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances as they discuss the reasons behind why it's so hard to get a mortgage. What is th...

EP.54 Why are the markets dropping? What do you do with your investments?

15 Feb 2022

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances as they discuss the reasons behind why the markets are dropping. Do you buy or se...

EP.53 What are the things to consider before buying into a company? | Cheques and Balances Podcast

29 Jan 2022

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthous...

EP. 52 What to do if you're priced out of the property market? Alternative options for investing

18 Jan 2022

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthous...

EP. 51 What are the Resource Management Act (RMA) Changes? How will the RMA changes impact property prices?

12 Jan 2022

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthous...

Common GST Questions Accountants are asked about Property | Do you pay GST on Air BnB income?

29 Dec 2021

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthous...

EP. 49 Should you have a financial plan? The benefits of implementing a financial plan for your future

20 Dec 2021

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthous...

EP.48 The deposit needed for your first home | Low deposit lending for new builds

15 Dec 2021

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthous...

EP.47 The top five mistakes people make moving into retirement | Easy steps to maximise your situation

07 Dec 2021

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances where they discuss the new shared property ownership scheme. They are joined once...

EP.46 Are you in good shape for retirement? Important tips for preparing your retirement

01 Dec 2021

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances where they discuss the new shared property ownership scheme. They are joined once...

EP.45 What is the future of KiwiSaver? | Why is KiwiSaver so important for retirement?

26 Nov 2021

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances where they discuss the new shared property ownership scheme. They are joined once...

EP. 44 Should you DIY invest or use an Advisor?| Pros and cons of using an investment platform

23 Nov 2021

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances where they discuss the new shared property ownership scheme. They are joined by t...

EP. 43 Why is it getting harder to borrow money from the bank? What do the Responsible Lending Changes mean for you?

17 Nov 2021

Contributed by Lukas

In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss What are the responsible lending Code Changes, What is the p...

EP. 42 How Much Do You Need In Retirement?| Can you rely on New Zealand Superannuation in retirement?

14 Nov 2021

Contributed by Lukas

In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss how much do you need in retirement, can you rely on New Zeal...

EP.41 What is the new Government Shared Ownership Scheme | How will it help first home buyers?

09 Nov 2021

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances where they discuss the new shared property ownership scheme. They are joined once...

EP.40 Should you invest in gold | Pros and cons of investing in precious metals | Gold returns vs S&P 500

04 Nov 2021

Contributed by Lukas

In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss should you invest in gold, the pros and cons of investing in...

EP.39 What would you do if you won $42m? | Pokeno lottery jackpot |How to invest lottery winnings

29 Oct 2021

Contributed by Lukas

In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss the recent Pokeno lottery Jackpot last week ​which begs th...

EP.38 What does 4.9% inflation mean for you?| Consequences of historically high inflation on the economy

21 Oct 2021

Contributed by Lukas

In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss what does 4.9% inflation mean for you and the consequences o...

EP.37 New Property Tax Changes Explained | Loop Holes Explained | What Constitutes a New Build Investment?

14 Oct 2021

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthous...

EP.36 The five D's of DIY investing| World investor week| Tips for a 'do it yourself' investment strategy

14 Oct 2021

Contributed by Lukas

In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss the five D's of DIY investing, world investor week, and tips...

EP.35 Should You invest while paying down your mortgage? | Maximising the sprint

07 Oct 2021

Contributed by Lukas

In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss a common question asked by our clients, should you invest wh...

EP.34 Should you purchase a property with a friend or family member? How to structure a property venture

05 Oct 2021

Contributed by Lukas

In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss should you purchase a property with a friend or family membe...

EP. 33 What is a Financial Advisor? | How can a Financial Advisor help you?

29 Sep 2021

Contributed by Lukas

Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances. In this week's episode, we discuss what is a Financial Advisor, h...

EP. 32 Evergrande Crisis Explained | Will China Bail Out Evergrande? Chinese Lehman Brothers

23 Sep 2021

Contributed by Lukas

In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss the current situation regarding the Chinese property develop...

EP. 31 What is a mortgage broker? | How can a they help you | Pros and Cons of a mortgage broker

20 Sep 2021

Contributed by Lukas

Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances. In this week's episode, we discuss what is a mortgage broker, how...

EP. 30 What is the sprint? | How to maximise your financial position leading into retirement

16 Sep 2021

Contributed by Lukas

Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances. In this week's episode, we discuss the sprint, how to maximize yo...

EP. 29 Tips for Business Owners During Lockdown | How Business Owners can prepare for future lockdowns

14 Sep 2021

Contributed by Lukas

Join James and Mike on this weeks episode of Cheques & Balances, where they are joined by Business Accountant Andrew Higgs. It has been incredibly...

EP. 28 The future of finance | What is open banking? | What will the roles of banks be in the future?

09 Sep 2021

Contributed by Lukas

Join James Blair and Michael Vincent of Lighthouse Financial Services in their weekly podcast Cheques & Balances. In part two of this week's episo...

EP. 27 CEO & Founder of PocketSmith Jason Leong | Different ways to budget | The story of PocketSmith | AfterPay

08 Sep 2021

Contributed by Lukas

Join James Blair and Michael Vincent of Lighthouse Financial Services in their weekly podcast Cheques & Balances. In this week's episode, we're jo...

EP. 26 Top 5 tips for Lockdown | How to make the most of your lockdown from a financial perspective

01 Sep 2021

Contributed by Lukas

In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss their top 5 tips for lockdown. In this week's episode, we sh...

EP.25 Our Predictions - Cryptocurrency to the floor | Housing market boom to continue | Sharp interest rate rises

25 Aug 2021

Contributed by Lukas

Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances. In this weeks episode, James and Mike share their predictions ove...

EP. 24 Are you over or under insured? | Beginners guide to insurance | Why should you have insurance?

18 Aug 2021

Contributed by Lukas

Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances. In this week's episode, we discuss our beginner's guide to insura...

EP. 23 Investment Property 101| Beginners guide to investment Property |How to get onto the property ladder

11 Aug 2021

Contributed by Lukas

Join James and Mike in this week's episode of Cheques & Balances where they provide a beginner's guide to investment property. They are joined onc...