“What does it mean to have life insurance? What is the value in it? What is it for anyway? I’m sure it costs too much, right?”

This article has nothing to do with Covid-19.

Key Ideas:

This is the article link.

Bolster Risk Management

Last week was Money Week in New Zealand. It is a good time to talk about financial wellness, resilience and financial mental health. It has a huge impact on individuals, families and communities. It also impacts on business. Productivity, absenteeism and revenue are all directly and indirectly affected by the financial wellness of your team. If your team are busy thinking about how to pay the bills, they are not thinking effectively about their job performance.

Key points:

· The state of our nation (in terms of personal finance)

· Presenteeism is even worse than absenteeism

· Is the ROI of Employee Assistance Programmes worth it? (Spoiler – yes, up to 12x)

https://www.bolsterriskmanagement.com/blog/

#FinancialWellness

#Financial-Wellness-Is-Important

#EmployeeWellness

#MoneyWorkshops

#YourMoneyMatters

#SortYourDosh

#FinancialWellness

#MoneyWorries

#FinancialWellbeing

#GetAdvice

#EmployeeBenefits

#GroupCover

It is easy to think that good money management is all about numbers and spreadsheets. Honestly, that is only about 10% of the whole gig. The rest, yes all the rest, is made up with our behaviours and attitudes around money. How do I know? I’ve been there in the worst of times.

If you have been following me for a while, you’ll know that I really believe everyone can change their financial position. It may take a while and it may be hard work at times. But there are some key concepts that could change your life.

I talk about a few books that might just change your life...

www.BolsterRiskManagement.com

The myth is that you don’t need health insurance because of ACC, or because of the NZ public health system. Other myths are that health insurance is a waste of money or that all insurance companies are the same.

This episode will challenge those myths and will help you learn how to protect yourself from poor health treatment choices.

Key ideas:

Bolster Risk Management

Personal insurance can be a minefield. 84% of people don’t have monthly-paying disability cover in New Zealand. 81% don’t have critical illness cover. If you were unable to work due to an accident or illness, how would your household survive financially?

Do you understand why you should have disability insurance?

In my experience, most people know they should have this cover. But most people do not want to think about worst-case scenarios. Most people will actively avoid thinking about worst-case situations.

I get it. I understand. But…

Sticking your head in the sand won’t help you when the proverbial smacks your butt.

If you want a topic covered or a question asked, let us know...

www.BolsterRiskManagement.com

Do you struggle to save money? At the end of each month, do you wonder where all your money went? Perhaps you spend beyond your means?

If so, then this podacst is for you! Discover how saving money is as much a product of the mind as well as your financial habits. And speaking of habits, you’ll see how small positive changes, turned into habits, can automatically add up to big savings!

www.BolsterRiskManagement.com

Unexpected losses can put the best-laid financial plans in turmoil. Insurance coverage is necessary to protect against unexpected costs, property loss, and disability. There are no universal answers to the question of how much insurance is enough. Situations vary. Today we are talking about personal insurance buying mistakes.

www.bolsterriskmanagement.com

BMI; that tool that nobody likes but everyone uses. “What is a Body Mass Index anyway and why should I care?”. And more importantly for us in this forum, what does it have to do with personal insurance?

Key Points:

Use these calculators to check your own BMI (or other cool stuff).

What is your biggest asset? Unless you’re Kim Kardashian or earn a royalty income, your biggest and most enduring asset is probably your ability to earn an income. Most of us have insured our house, possessions, cars and our lives (even our phones!). But if you don’t have disability insurance, the most important asset you have is still unprotected.

Key Points:

www.bolsterriskmanagement.com