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Bolster Risk Management episodes
- Episode 53 - I’m too young for insurance; you are not actually bullet-proof
If you are under 35, do you have car insurance? Maybe, but maybe not. If you do have car insurance, does your car earn you money? Do you have protection for your greatest asset? What is your greatest asset? [spoiler - it is not your car!]
Key Points:
- Do you insure your car? Maybe, but maybe not
- Types of cover for the under 35s
- Insurance. Better to be too early than too late
www.bolsterriskmanagement.com
8 min - Episode 52 ACC – Do you really know what they do?
Most people who live in New Zealand have heard of ACC. But ask 10 people what it is that ACC does, and you will likely get 10 different answers.
Key points:
- What is ACC
- What does ACC not do?
- Self-employed versus employee
www.BolsterRiskManagement.com
13 min - Episode 51 - Save for a house or do something else?
With property prices going through the roof and bank savings rates through the floor, what options do you have? If you do not currently have your own home, and you feel squeezed out of the property market before you’ve started, can you put your money to work in other ways?
Key Points:
- Another back-of-the-envelope calculation
- “Buy a business instead” (erm..?)
- Get your money working for you in other assets
www.BolsterRiskManagement.com
10 min - Episode 50 - Financial Capability, teach and be taught
Industry, regulators and educators lament the poor level of understanding that people in New Zealand have of basic money management. What can be done? Let’s be bold – nah, she’ll be right.
Key points
- The time is now (yes, we are in a recession!)
- How bad is it?
- Sustained change? Education and investment.
Thanks to the 520 podcast "listens" so far...
www.BolsterRiskManagement.com
12 min - Episode 49 - Trauma Cover, it is a Smörgåsbord
Trauma cover is a great product, but there is more than one flavour. It will pay a lump sum of cash to you if you are diagnosed with a specific health condition. But with so much choice, how do you know what is right for you (and your family)?
Key points
- What is the purpose of this type of cover?
- What dishes are available on the Smörgåsbord
- Indications of price
www.BolsterRiskManagement.com
11 min - Episode 48 - Your Health & yet another COVID-19 article
Yes, another article about health insurance. Why bother when in NZ we have a public system that many in the OECD covet? As good as it is, there are plenty of gaps.
Key Points:
- We have a good Public health system but… COVID-19
- The Health System you didn’t know
- Don’t over-insure
www.BolsterRiskManagement.com
9 min - Episode 47 - KiwiSaver: Low fees, yet you still want advice with that...?
We hear a lot in media sources about high fees for KiwiSaver. We also hear how people are not getting enough advice about financial products like KiwiSaver. Who is correct?
Key Points:
- What do your pay for?
- What the Regulators (and industry) want
- Who decides?
www.BolsterRiskManagement.com
9 min - Episode 46 - “What is the Risk of Losing?”
I was this asked a great question recently. For all the talk of KiwiSaver-this and investments-that, what does it actually mean for my dollar? How much do I put in for what return? Here we come that wonderful world of ‘Risk’. What is ‘risk’ and what does it mean in everyday language?
KEY POINTS:
- What is risk
- What is the ‘return’ part of “risk and return?”
- What is my comfort level?
www.BolsterRiskManagement.com/help-me
8 min - Episode 45 - Indemnity versus Agreed Value (& ACC for self-employed)
Monthly paying disability payments. It can be great cover. It can also be a minefield. What is agreed value? What does indemnity mean? And why is ACC in the title??
Key Points:
- Purpose of disability insurance
- Indemnity versus Agreed Value
- ACC, yes it is an insurance firm
www.bolsterriskmanagement.com/help-me
10 min - Episode 44 - How Distressing is Financial Distress?
Mental health awareness week was here in NZ recently. Money stress affects 22% of people every day. A further 25% worry about money weekly. Anxiety comes from looking at the future and being uncertain, of not being able to clearly see the way ahead. It is easier to ‘stick the head in the ground’ and do nothing. Do you worry about money? If you do, you are like 61% of New Zealanders who worry about it with different frequencies, but at least monthly.
Key points:
- What is distressing?
- What the numbers say
- What can be done?
www.BolsterRiskManagement.com
6 min
About Bolster Risk Management
From the publisher's feed
Dom Bish likes making life insurance and finance easy for you. At Bolster Risk Management, we take a down-to-earth approach, trying to take a dry topic like personal money, and making it more accessible for you.
If there is a topic that you would like Dominic to discuss, or maybe you have a question about life insurance, money and personal finance that is bugging you, please let us know.