Beyond the Field

To buy or not to buy?  We get asked for our opinion on this on the daily.  Kayne talks with Lisa Barton, Money Empire Senior Adviser on her views of the positives and negatives of buying in uncertain times.

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.   

During the nationwide lockdown in March and April 2020, household spending statistically changed!  Because we couldn't spend, there was an increase of savings, and in turn, people were able to pay off consumer debts!  Kayne zooms with Money Empire Senior Adviser Goran Loncar to talk about the change in spending habits and how it resulted in $1.3b worth of consumer debt being repaid.  Imagine the result if we maintained some of those reduced spending habits! 

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.   

As a nation, we have to be flexible with the constant changes taking place around us.  These changes don't just apply to our daily activities - this also applies to contracts.  Kayne speaks with Shane Rohde, Principle from Lateral Lawyers to discuss the impact of COVID on commercial agreements, particularly with asset purchases like businesses and property. 

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.   

Isa & Kayne talk through how car finance, credit cards, storecards, personal loans and student loans all affect your serviceability to obtain a mortgage and gets you to think do you need it? What are your long term goals? Will this affect me buying a property?  It's a common question we get all the time!  

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.   

Kayne explains to the listeners how the OCR will most likely drop into the negatives next year for the first time and how that looks for a mortgage borrower. 

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.   

Today the BTF team are joined by Lisa Barton - the GOAT adviser in the first home buyer market. Lisa shares the commons questions she has received lately from her FHB audience. They range from:

• What income can I use?
• I'm a single mum, can I still get a mortgage?  
• I have a car loan - will that hinder my chances of getting approval?

Listen in to hear the rest of the common questions and Lisa's answers. Got a question for Lisa - you can email her direct at [email protected].  

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.   

Kayne summarises for the listeners what lockdown 2.0 looks like for the economy.  He shares his opinion on how to get through this time, the next wage subsidy and the importance to plan, plan, plan! 

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.   

Money Week Special - BTF talk with the Money Empire team to bring together all the components which make the budget complete. Why you should have a budget, how you start one and creating good habits.

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

Money Week Special - BTF talk with Goran Loncar, Money Empire Senior Adviser on the different types of savings, why it's so important to create an emergency fund and how Kiwisaver acts a compulsory savings account.

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.   

Money Week Special - BTF talk with Lisa Barton, Money Empire Senior Adviser to discuss the types of consumer debt out in the market, the pitfalls of these credit contracts and why banks keep offering increased credit limits to you. 

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.