This book will spell out the main principles of investment which are for all time and all times. It doesn't matter what country you live in, or what tax rules you follow, the fundamental principles of investment remain the same. People who are investing (nearly everyone, whether they realise it or not) ignore any of these principles at their peril. Yet, depending on economic times and individual circumstances, they are frequently ignored.
This revised and updated edition of Martin Hawes' bestselling book on shares has been written to help both novice and experienced investors. Anyone can make money from the sharemarket and Martin shows us how by starting with first principles and then explaining the 7 secrets to becoming a successful investor. Recent upheavals in the investment landscape mean that it is now more important than ever to understand the sharemarket and to include shares as part of a balanced investment portfolio.
Going into retirement is not the January holidays: a few weeks away and then back to normal. This is a major life transition and it's for keeps. Few of us think of retirement as a 20 or 30-year period of our life that will see our wants, needs and finances change. But the reality is that retirement doesn't happen on a single day. It's a transition that takes place over a long period of time. In the New Zealand Retirement Guide, best-selling finance writer Martin Hawes leads New Zealanders through the task of planning for a retirement that will deliver them the best years of their life. By focusing on where you will live, the kind of lifestyle you will have, how much income you will receive and how you could spend it, Hawes provides the key to enjoying a rewarding and stress-free retirement. Practical examples, case studies and helpful links to website resources make this an indispensible guide for anyone thinking about retirement, as well as for retirees wanting to prepare for the next stage of their life. By following Martin Hawes' advice and getting your finances under control, you'll be well on the way to realising your dreams in retirement.
Live like you might die tomorrow; invest like you will live forever.' Investment master Martin Hawes passes on the most important lessons he has learned during his lifetime of investing in a series of letters to his young grandson Aston. Inspired by the belief that everyone can become wealthy and improve their financial position if they understand and apply the basic principles of investing, Martin wanted to ensure his grandson gained this knowledge, even if Martin was no longer there to impart it in person. Can you time the market? When should you buy your first property? Is debt always a bad thing? How do you know what shares to invest in? Why invest anyway? Martin's advice is timeless and contains investment gems that will resonate with everyone at different stages of their lives. Letters to Aston is a book that will stay on your shelf for a long time, and one you will give your children (and grandchildren) to read.
Best-selling author Martin Hawes offers invaluable guidance towards beating the bank at their own game. This latest edition of Save Money on Your Mortgage has been updated and revised to meet the constantly evolving needs of new home owners and anyone currently paying off a mortgage. Hawes tells you everything the bank will not, setting you on the path to financial freedom. You will be given the chance to understand the huge difference between what you borrow and what you pay back, as well as learning how to cut your banker's profit, greatly reducing your mortgage repayments in the process. Save Money on Your Mortgage is an absolute must for every home owner, and could literally save you thousands of dollars.
An expert best-selling guide to everything you need to know about property investment. Well-known and well-respected financial writer Martin Hawes has a reputation for being able to explain quite complex concepts in simple language. That stands him in good stead with this title. He offers a strategy for profitable property investment along with a wealth of practical advice: how, what and when to buy, the negotiation process, finance, gearing, tax considerations, how to value property, etc. He offers tips on seeking out bargain properties and enhancing their value, and guidelines for managing properties once they are part of your portfolio. Property Investment: A Strategy for Success is an excellent guide for anyone wishing to diversify their investment portfolio.
Fully revised edition of the one-stop financial reference book. Whether you're a student grappling with a loan, or a homeowner needing straightforward information about investments, real estate and tax, or simply looking for the best way to pay off your mortgage, this fully revised edition of a bestseller by one of this country's leading financial writers is the indispensible guide to everyday finances. With subjects ranging from planning your budget to sharing income in a relationship, Martin Hawes provides sensible, clearly written advice, recently updated to take account of New Zealand's challenging post GFC economy, including information on property investment, finance companies, the Portfolio Investment Entity (PIE) regime and changes to KiwiSaver. The financial world is complex and ever changing, and it pays to stay informed and up-to-date. Written by one of New Zealand's most highly regarded financial experts, this book also covers pertinent points of law that sooner or later will touch the lives of every New Zealander.
With The Money Map, wealth coach and investment expert Martin Hawes shows you how to create a financial plan - looking at savings, investments, banking, insurances, budgeting, real estate, student loans, and more - that will make the most of what you have, regardless of your age and financial stage.
Do you want to create personal wealth and financial freedom? Are you trapped on a financial treadmill? Do you believe life should be better? Have you ever wondered why some investors succeed while others fail? Using their experience of WealthCoaching people from all walks of life, Martin Hawes and Joan Baker guide you step-by-step along the road to financial freedom, providing you with the knowledge, skills, and support to build your financial future. * Do you want to create life choices for yourself? * Are you prepared to do what it takes to get the life you yearn for? * Are you willing to learn new things and to apply those skills to making changes? If your answer is YES to any of these questions, then Coach Yourself to Wealth will work for you. All you need is discretionary income or some assets, and the desire for financial freedom. Coach Yourself to Wealth shows you what you need to DO to make yourself wealthy.
Over 100,000 copies sold, and the one book all family trust managers and members should own. Family trusts are as popular today as ever. A family trust offers you the benefits, use and control of your assets and doesn’t penalise you for owning them. Clear and straight-forward, and aimed at the layperson, Family Trusts includes up-to-date advice by New Zealand's leading financial writer , with real-life examples and answers to commonly asked questions throughout. It has sold well over 100,000 copies since it was first published and is an essential book for anyone curious about family trusts, whether they are self-employed, a business owner, a wage and salary earner or retired. ‘In my experience, 75 per cent of family trusts in New Zealand are so badly arranged or managed that they could easily be attacked and overturned in court... managing a trust badly is a bit like insuring the contents of your house but then going on holiday and leaving the doors wide open,’ says Martin Hawes. This seventh revised edition includes a section on effective management of your trust; many people manage their trusts as if the assets in the trust were still their own, and keep poor records of the trust’s transactions. Inadequate management can lead to accusations that the trust is a sham. Drawing on his vast experience, Martin Hawes explains how to keep correct records and minutes, and to manage your trust so that it is resilient in the face of a challenge.
At the age of 50, financial expert Martin Hawes realized he needed to make his next 20 summers really count if he was going to achieve all the things he wanted in life. Now he offers advice on how you can invest your money to give you the income you need later in life.
Before we started filming the television programme The School of Home Truths I honestly thought that real estate agents were basically good guys.' The School of Home Truths is a television programme aimed to help people succeed at the game of real estate. Thirteen novice buyers and sellers were taken into the school and tutored by Martin Hawes (financial adviser), Marc Wilson (psychologist) and Neil Jenman (real estate ethics campaigner). Together and separately, the three presenters set exercises for the thirteen clients, taught them how the world of property and finance worked and then sent them out into the world to put their skills into practice. Everywhere the clients went (nearly!) they were followed by TV cameras. Martin, Marc and Neil aimed to have the thirteen succeed at selling and buying their own homes. They set out to educate their 'pupils' so that they knew what can happen when buying and selling houses, to train them to recognize the threats and opportunities before them and to use their new found skills to become winners in real estate. According to bestselling author, Martin Hawes, New Zealanders lose out in the real estate game. What he saw while making the forthcoming TV One programme The School of Home Truths confirmed that it is a game with winners and losers. Armed with this book, New Zealanders will not only earn more money on the sale of their house, they will be able to approach the very stressful transaction of buying and selling property with confidence.
This book is for people who have already set up a family trust. Many people put a trust in place and then think that they are now set up for life. But not so. One of the problems is that the basic premise of a trust, that the assets in it no longer belong to you, is often forgotten or ignored by people who continue to behave as 'the owner' of the assets. In this book Martin Hawes points out that trusts involve a degree of active management, particularly if there is any danger of their validity being challenged. He suggests reasons why your trust might be attacked and by whom, and then outlines the means of ensuring that it is protected from such attacks.
The difference between investing successfully and unsuccessfully is huge. Why do some investors succeed while others fail? The answer is knowledge. Knowledge takes the chance out of investing. It is being aware of the big picture, of what drives investment markets. Knowledge will see you maximise the returns from your investments. Martin Hawes reveals eight investment secrets, including Buy Quality, Buy for Yield and Market Action, Reaction and Over-reaction, all of which will ensure a healthy investment outcome.
Personal finance experts Martin Hawes and Joan Baker show you how to develop the skills and attitude to help you become rich and stay financially set for life.
Family Trusts: A New Zealand Guide is the perfect book for anyone wanting to know:bull; what are family trusts?bull; how do they work?bull; how do I go about setting one up?Family trusts are as popular today as ever. They allow you to have the benefit, use and control of your assets without being penalised for owning them.But beware: there are traps for the unwary. Martin Hawes's helpful and informative guide brings together all the information you need to know about how family trusts work, their benefits and disadvantages. Written in plain English and aimed at the layperson rather than the professional, it includes up-to-date advice about superannuation, estate and taxation planning and is particularly useful for owners of small and medium-size businesses, wage and salary earners, and those who are retired.This, the fifth revised edition of the book, includes a chapter on the Property Relationship Act, and discusses ways that trusts may impact on ownership of assets within a relationship.
This book will spell out the main principles of investment which are for all time and all times. It doesn't matter what country you live in, or what tax rules you follow, the fundamental principles of investment remain the same. People who are investing (nearly everyone, whether they realise it or not) ignore any of these principles at their peril. Yet, depending on economic times and individual circumstances, they are frequently ignored.
Academic global health programs are proliferating, and global health partnerships between North American academic institutions and institutions in low- and middle-income countries are steadily increasing. This study employs surveys and key informant interviews to examine global health partnerships, and it presents a framework for success to guide the development of sustainable global health programs and partnerships with measurable, defined impact. Eighty-two North American academic institutions and 46 international partnering institutions participated in the survey. Key informant interviews were conducted with global health leaders at 15 North American academic institutions and 11 partnering international institutions. Quantitative data were analyzed using linear regression, and qualitative data were used in thematic analyses. The surveys and interviews provide evidence of mutual benefits resulting from these global health partnerships, as well as areas for further development and improvement.
The fourth edition of this highly regarded book containing user-friendly, clear explanations and tips about making money from the share market - from someone who actually does! The fact that we can now trade offshore has changed the way people play the market. Add this to buying and selling on-line and the volatile technology market and you have an exciting new environment for making money from shares. Make Money and Beat the Market, says Martin, and this bestselling book will tell you precisely how. Similar to 8 Secrets of Investment Success in style and market pitch, this book is still the most up-to-the-minute book about shares in New Zealand.
A respected Tasmanian environmentalist proposes ways in which we can live responsibly in the modern world, by promoting a reappraisal of our values, an awareness of a spiritual dimension to our lives, a world consciousness, and a focus on social action. Includes profiles of inspiring people whose work exemplifies integrity.
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