Shows / Cheques and Balances
Cheques and Balances
Whether you're buying your first home, tackling debt, or building long-term wealth, we’ll show you how to make smarter money moves. With over 20 years of combined experience as qualified financial advisers, James Blair and Michael Vincent share straight-talking advice, practical strategies, and real conversations about money - all to help you take control of your financial future with confidence. Check out our website below: lighthousefinancial.co.nz
Episodes
Cheques and BalancesKiwis Spend 13 Hours A Month Worrying About Money | Midweek Episode
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 article…
Cheques and BalancesThe Psychology Of Money | Episode 108
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 money in…
Cheques and BalancesIndex Investing With S&P Dow Jones Indices Managing Director Tim Edwards | Midweek Episode
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 Indices. Hosted…
Cheques and BalancesReverse Mortgages – A Good Retirement Strategy? | Episode 107
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 remains…
Cheques and BalancesPyjamas, The Last Of Us And The B Word - We Answer Your Instagram Questions | Midweek Episode
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 the hosts…
Cheques and BalancesWhen Investing In Property Is The Wrong Solution - A Case Study | Episode 106
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? Hosted…
Cheques and Balances5 Signs You're Broke - We React To Luke Kemey's Viral Video | Midweek Episode
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 more information…
Cheques and BalancesTerm Deposits: Are They Worth It? | Episode 105
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 now…
Cheques and BalancesHow Cyclone Gabrielle Will Impact Our Economy | Bonus Episode
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/privacy for…
Cheques and BalancesOur 2023 Predictions - Ft Luke Kemeys | Episode 104
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 and Keep…
Cheques and BalancesWebinar Special: Inflation, Interest Rates and Volatility | Episode 103
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…
Cheques and BalancesThe Ultimate First Home Buyers Guide | Episode 102
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 is full of…
Cheques and BalancesHow To Tackle 2023 – High Interest Rates And Rising Unemployment | Episode 101
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 webinars below…
Cheques and BalancesEp. 100 What Happens After A Recession?
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 this podcast…
Cheques and BalancesEp. 99 Triple Your Income In 12 Months - Starting A Business At 50
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. See…
Cheques and BalancesEp. 98 30 Year Old Couple Retire At 50 With Over $5 Million – Case Study
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 property…
Cheques and BalancesEp. 97 Why 40 Might Be Too Late To Buy Your First Home (The Numbers Will Shock You)
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 crunch the…
Cheques and BalancesEp. 96 What Is Financial Fasting? We Explore The Trend
We explore the trend sweeping the internet. This week we're getting our finances ready for summer, its financial fasting. Hosted on Acast. See…
Cheques and BalancesEp. 95 Financial Advisers React to TikTok Money Advice Part 2
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 enjoyed on…
Cheques and BalancesEp. 94 The Barefoot Investor Book Review - Part 2
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 this is…
Cheques and BalancesEp. 93 The Barefoot Investor Book Review - Part 1
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 ever need…
Cheques and BalancesEp. 92 Case Study: Couple Create $2.6 Million In 15 Years - The Sprint
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 retirement? Is it…
Cheques and BalancesEp. 91 Savings Vs. Offset - The Best Place For Your Emergency Fund
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 mortgage (in either an…
Cheques and BalancesEp. 90 Is Living In Australia Cheaper Than NZ? We Crunch The Numbers
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. See…
Cheques and BalancesBONUS EPISODE: How To Sell Your Business - Ft Peter Nola
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 information. The…
Cheques and BalancesEp. 88 5 Myths When Trying To Sell Your Business - Ft Peter Nola
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. Hosted on…
Cheques and BalancesEp. 87 60% Of First Home Buyers Use This Bank - The Bank Of Mum And Dad
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 bank of Mum…
Cheques and BalancesEp. 86 Couple Earn 500k But Can't Retire - A Case Study On Rich Vs. Wealthy Households
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 worlds apart. Hosted on…
Cheques and BalancesEp. 85 Q&A With Kernel CEO Dean Anderson
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. Hosted on…
Cheques and BalancesEp. 84 How To Time The Stock Market
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 potential for…
Cheques and BalancesEp. 83 5 Myths About Mortgage Applications
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 common myths! Hosted…
Cheques and BalancesEp. 82 Financial Advisers React to TikTok Money Advice
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 TikTok and giving our…
Cheques and BalancesEp. 81 What The CCCFA Rollback Means For You
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…
Cheques and BalancesEp. 80 The Wealth Principle You Need To Know
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 talk a bit…
Cheques and BalancesEp. 79 5 Myths About Insurance
On this week's episode, we're joined by Elle Wuthrich, Insurance Adviser at Lighthouse to talk through 5 common myths around insurance. Hosted on Acast. See…
Cheques and BalancesEp. 78 Health Insurance – Do You Need It?
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…
Cheques and BalancesEp. 77 The 5% First Home Deposit - Myth Or Truth?
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 joined by Laura…
Cheques and BalancesEp. 76 Tax Bills From $800 To $8,000 - A Case Study On Interest Deductibility
Since interest deductibility is being phased out, most Kiwi investors have paid little attention to how this will affect them and haven't considered how much…
Cheques and BalancesEp. 75 We Review Our 2021 Predictions + Our New 2022 Predictions
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.com/privacy…
Cheques and BalancesEp. 74 KiwiSaver Balance By Age - Are You Behind?
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 retirement…
Cheques and BalancesEp. 73 5 Tips For Finding More Cashflow In Your Rental Property
Interest rates, inflation and interest limitation changes mean that owning a rental property has become significantly more expensive. On this episode, James…
Cheques and BalancesEp. 72 How KiwiSaver Passive Funds Could Lose You Money
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 deep dive into…
Cheques and BalancesEp. 71 The R Word - Are We In A Recession?
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 Acast…
Cheques and BalancesEp. 70 Interest Rates Have Almost Doubled - What Should You Do?
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! James and…
Cheques and BalancesEp. 69 Government Makes It Easier For First Home Buyers - New Announcement Details
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 you. Hosted on…
Cheques and BalancesEp. 68 Is The Media Impacting Your Money Decisions? How Clickbait Media Is Losing You Money
On this weeks episode of Cheques & Balances Mike and James discuss all of the recent media doom and gloom regarding increasing interest rates, inflation and…
Cheques and BalancesEP. 67 What can impact your ability to get a mortgage? Afterpay debt affecting your mortgage?
It is becoming more difficult to get a mortgage from a bank. With inflation, rising interest rates, banks increasing their test rates, record house prices, you…
Cheques and BalancesEp. 66 Investment market volatility
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 the…
Cheques and BalancesEp. 65 Winners and Losers - Netflix, Twitter and Disney
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 subscribers…
Cheques and BalancesEp. 64 Interest rates and inflation
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 to keep up…
Cheques and BalancesEp. 63 Crypto coins and the future of Cryptocurrency
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 Partner at…
Cheques and BalancesEp. 62 Crypto as legal tender? Will it catch on?
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 Partner at…
Cheques and BalancesEp. 61 Crypto Part 2 - The history of Cryptocurrency
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 Partner at…
Cheques and BalancesEp. 60 Crypto Part 1 - The history of Cryptocurrency
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 Partner at…
Cheques and BalancesEp. 59 The Secret Problem
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 Head of Advice…
Cheques and BalancesEp. 58 Science of regret. What do people regret the most in life? How do you give your money purpose?
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 Head of…
Cheques and BalancesEp. 57 Goal based planning
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 Head of Advice…
Cheques and BalancesEp. 56 You can't put a number on happiness
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 Brinkerhoff…
Cheques and BalancesEP. 55 Why can't I get a mortgage now?
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 the CCCFA? The…
Cheques and BalancesEP.54 Why are the markets dropping? What do you do with your investments?
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 sell your…