Jon-Paul Hale

Interestingly the majority of clients I have talked to have their interest rate reviews coming up this year and not in the last quarter of 2022. Many have been discussing ways to manage budgets, so they are prepared for what is coming, but few have…

Rising unemployment may be an indication of economic change at the same time, it may represent a mass exodus from the country too. It would have the be a mass exodus, though. I don't think we should be getting our hopes up on the unemployment…

Following my earlier comments, reading between the lines, it sounds like AT wasn't so clear on their instructions to drivers... Maybe a case of “The mail must get through, at all costs”... Which isn't the appropriate direction for the resulting…

The question here is; is this a prediction of what will happen or a prediction of what leading market sentiment will deliver? The media influence many market changes, and a stunning headline like this one is going to rattle people at a time when…

Obama had his challenges with both in the media and congress when he was first elected, not in the same way that Mayor Brown has approached it with blunt and being MIA, more the point Mayor Brown could learn a thing or two about managing this mess…

It's pretty wild and wooly out there. I'm surprised to see buses driving through deep water, given the challenges we have had with damaged buses... If you can avoid travelling, do so!

We’ve all watched in horror the flood damage across Auckland and the country, particularly those driving in deep water. Like most things there's consequences to actions and given the scale of the likely claims, insurer probably aren't going to be…

A good article discussing the present mortgage market, and the likely small minority that are going to get knocked around with interest-rate changes. It is a premium article, sorry about that, and this is a subject most people consider like chewing…

There is a lot of good information in this article. However, the homeowner suffers from one fundamental flaw; the interest-rate charged by the bank, isn't the bank gouging interest rates. It is the cost of borrowing that has been imposed on them by…

How are you treating your 18-21-year-olds?

This may come across as a little esoteric and doing obscene things to spiders, but stick with me. by Jon-Paul Hale My question to you is; how are you managing the advice you give to your 18 to 21-year-olds and older "dependants" in many cases? The…

New Zealand Couriers you had a simple job, deliver this document tube without damaging it. It takes a bit to damage these, but you managed to, and not just once, but multiple times. Frankly appalling! The contents that great pains had been taken…

I've said it more than a few times, taking over a client base doesn't exempt the Financial Advice Provider from the liability of the client base. They now have a responisibility to address the issues and ensure that they are not in the cross hairs of…

All the usual commentary; challenges ahead, maybe some good, probably some bad, on the whole don't know for sure. Which is how it is all the time. The difference is how you look at it, read the news and be informed, at the same time understand what…

It's good to see these sorts of situations with action taken; it helps all of us maintain a safe and secure financial system. Though a few points that the article isn't accurate on that needs to be clarified in the present time context. In…

Interesting to see this back on the agenda, it was supposed to be put in place and operating by Feb 2020, and was quietly forgotten about with the impending Covid situation. Funny that! When the risk is there the Government disappears, went the risk…

I think we all took the stance of TF 2022 is behind us, and looked forward to 2023 with quiet trepidation. We knew that inflation and interest rates this year were going to be a challenge, and a good part of that was going to also be influenced by…

While this is devastating for people, it raises the question of who is responsible for cleaning up? The initial part of the story suggests council and forestry are, but that's not necessarily the case. "Act's of God" are not covered by liability…

There are plenty of females abused by men, that's not denied. But the continued view that Amber Heard was a victim, against the overwhelming evidence against her is just abject denial. When AH either can't produce the evidence or when it is produced…

This article highlights a serious infrastructure cyber incident currently underway. Also for the first time indicates that Accuro, one of our medical insurers, is caught up with the present ransomware situation that has crippled their systems for a…

If I have to sell you on the idea that you and your family’s medical and financial wellbeing needs to be protected, you're an idiot and I'm not the adviser for you. If on the other hand you're looking for advice on how to protect you and your family…