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New Zealand; a land of opportunity but not without risk.

No matter what background we have or what country we or our forebears come from, there is no doubt New Zealand offers opportunities to those prepared to work for them. This pioneering spirit in a modern world has become more often referred to as our entrepreneurial spirit…where grit and determination meets execution! We can spend time working for ‘the man', building our know-how and experience or we are already experienced business people from other places, and one day we think, ‘I could do this myself. Take my dream, start a business, (or start again), employ some help. I don't want an empire, I just want to work for myself and get a lifestyle out of it for me and my family.'

This attitude is so common that small to medium sized enterprises (SMEs) in New Zealand employing five or fewer people now number over 430,000, employing more than 560,000 people representing immeasurable worth to the national economy (GDP). But there's a threat lurking beneath these impressive statistics: research tells us that New Zealanders are underinsured compared with other countries, with only about a third of the investment other OECD nations put into protecting the livelihoods of the people producing this GDP. At GFS there is too often evidence that business owners, many of whom are the key person in the business, frequently lack some or all of the cover they need.

This is in part because many see insurance as expenditure rather than protecting their dream. One role of GFS is to show people than insurance is not a cost, but on the contrary a vital element of financial wellbeing. A second role is to provide products and services that facilitate that wellbeing.

The diagram shows all the parties at risk in ‘The Circle of Life'. The business is underpinned by its key people, who are subject to general life risks - accident or illness that could leave them temporarily or permanently unable to contribute to the business.

That financial impact flows on to the owner/s of the business (often also a key person), who is responsible for the debt, both visible and invisible. Some owners think they don't need business or key person cover because they don't see any outstanding debt - they wholly own the business and the business assets such as vehicles and so on.

However, that's just the visible debt. The cost of exiting is invisible - if you suddenly had to close the business, what would it cost you to pay all current utility bills, rates, holiday pay and other entitlements? What about your lease commitments too? Too often these issues can be overlooked.

Then there are the families; the people supported by the business. What does the owner's lifestyle cost? What about their staff's lifestyles? Who and what is dependent on the business, and what happens if that revenue stream drops or stops? But of course, ‘the circle of life' only completes because the business also is dependent on the very people needed to drive revenue.

The advice GFS offer their clients looks to deal with this value chain. Certainly, it is the responsibility of business owners and key people to seek advice to get the cover they need. But GFS bear equal responsibility, in that they must help to simplify this process and support their clients transfer of any financial liability they are uncomfortable with should a life risk event strike. Getting the insurance you need should not be complicated or expensive relative to the risks you face – Talk to GFS today about how they can help you.

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Global Finance Newsletter Quarter 1

Written by on July 10th, 2017.      0 comments

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Tactical Approach to Outsmart Housing Crisis and Prices!

Auckland property market is in imbalance.  Although this imbalance is not huge, it is still there, but I strongly disagree that there is a crisis.  We see a shortage in the housing market, yes, but it cannot be termed as a crisis.  Houses are available to either rent or to buy.
Whenever demand exceeds supply, prices are bound to go up.  The housing market is no exception but the good thing about it is that due to lower interest rates prevailing, mortgage payments are still affordable to most of the home owners.
The main reason for making home ownership unreachable is the lending criteria set by banks. There was a time when you could buy a house with a 5% deposit, whereas now, generally, it is
10-20%. With proper planning, you can afford to buy your first home sooner than you think.  So, start planning now! 
GFS is ready to help you, not only in buying your home, but also to make you mortgage free sooner by reducing your interest cost.
GFS won many industry awards for its innovative Interest Saver Plan.

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Did you know how important your income is? With school holidays around the corner, there is often holiday expenses including presents for those who are about to catch up with loved ones and so on – imagine no income to be able to support yourself and your family let alone buy presents if you were to suffer an illness or injury. Many families are vulnerable with 47% of employed 18-64 year olds being unable to pay all of their current household expenses and maintain their standard of living only 4 weeks after their sick leave, annual leave and savings had been used up! 1.54 million New Zealanders (76% of 18 -64 year olds) have no income protection that could save their financial lives in the event of an illness or injury. If this worries you call us now!
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We conducted a survey to identify the areas of importance why consumers would contact a Mortgage & Insurance adviser/company.

Which of the following offerings would attract you to contact a mortgage and insurance adviser? 

We received the following response


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"We would like to take this opportunity to express our sincere gratitude for your patience, help and guidance given to us right from the beginning when we were interested in the property. Had it not been for you and your team, our dream of securing this property would not have been fulfilled." 

"We have been with Global Finance for the past 6 years. They helped us get a home loan when most banks had declined our application. They have kept in contact and went through a review when they thought we needed it. Well done. Awesome service".

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