The SME Stream

Forsyth Barr's Aaron Ibbotson says bond yields continue to rise globally with Japan's hitting a 30-year high.

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BusinessNZ's calling for a funding reset on medicines, with a new report highlighting the long-term benefits of investing more into healthcare.

The report shows every dollar invested into medicine returns $1.93 to the economy. 

BusinessNZ CEO Katherine Rich explained that there's long-term benefits into investing more, including boosting productivity and improving the quality of life for New Zealand families. 

"It takes up to six years to get a new drug through - and these are drugs that are available freely not just in Australia, but around the globe." 

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The US and Iran have launched more tit-for-tat strikes over the weekend, resulting in oil prices going up - but what has it done for the markets?

Experts indicate the Asia-Pacific market is still going strong, with the index going up by 1.1 percent.

Harbour Asset Management Shane Solly explained further - and revealed why Korean chipmakers are helping things grow.

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Finding a manufacturer in China is easy. Finding one you can actually trust is the hard part.

In this episode of Make It Happen, we sit down with TK Wang, founder of Epic Sourcing, who has spent more than a decade helping businesses source and manufacture products in China.

We get into how to tell whether you’re dealing with a genuine manufacturer or a middleman, the red flags to look for on Alibaba and why TK recommends getting suppliers on a video call before you place an order.

TK also walks us through the process he recommends before committing to a manufacturer - from creating a golden sample and signing a purchase agreement to having your products independently quality checked before you make the final payment and ship them to New Zealand.

We also talk about minimum order quantities, manufacturing on a small budget, protecting your designs, communicating with suppliers, tech packs and when it might actually make more sense to manufacture locally.

If you’ve got a product idea but have no idea how to find the right manufacturer to bring it to life, start here.

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The OCR changed this week, The Reserve Bank has upped it from 2.5% to 2.75%.

But mortgages are already high, some unlucky buyers are now finding they owe more than the value of their house as equity erodes. 

So if you're in this situation, what can you do? Opes Mortgages Managing Director Peter Norris joins Tim Beveridge to answer your questions.

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Earlier this week, an interesting proposal was made to shake up the way we use Superannuation.

A report from Chartered Accountants Australia and New Zealand indicates a flexible choice of when people can start receiving NZ Super could improve affordability.

Would this be worth it? And who should be considering this as an option?

Financial Author Martin Hawes joins Tim Beveridge on Smart Money to discuss.

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No new taxes. Free GP visits. Cheaper public transport. Solar subsidies. KiwiSaver changes.

The election promises are coming thick and fast — but what will they actually mean for your finances?

On The Prosperity Project, Katie Bradford joins Nadine Higgins to unpack how the major parties’ policies could affect your wallet, from tax and rates to KiwiSaver, student loans, solar panels, small businesses and the cost of funding New Zealand’s infrastructure.

Because however appealing the promises sound, there’s one unavoidable question: who ultimately pays for them?

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National is promising to expand access to the 5 percent first home loan scheme. 

If elected it says it will increase the income cap for eligibility so more people can access the scheme. 

Singles and group buyers would be able to get it if they make $300,000 a year or less. 

National Party Housing spokesperson Chris Bishop explained further.

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Reporting season has revealed better than expected results, with median growth across the economy at +21%, despite forecasters predicting it was going to be +16%. 

"We've come out of a pretty long trough in the context of profitability that we've seen across the New Zealand listed companies," Forsyth Barr head of research Andy Bowley told Mike Hosking. 

"But, it's unlikely to be uniform, and as we've seen over the last couple of years, it can be somewhat choppy when we look at it from a company to company, and sector to sector basis."

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National's plan to expand the First Home Loan scheme could help more people buy their first home - but isn't expected to transform the housing market.

The party wants to widen access to five percent deposits.

If elected, National would increase the income threshold so anyone earning less than 300-thousand dollars combined could access the scheme - up from the current 95-thousand dollars for single buyers or 150-thousand for more than one.

Cotality Chief Property Economist Kelvin Davidson told Ryan Bridge the change will have a limited impact - and shouldn't push house prices higher.

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