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Pay your mortgage off in 15 years- yeh right.

 

30 Years vs 15 Years of Payments on a mortgage of $400,000 at a 5% interest rate

30 Years of Payments
15 Years of Payments
15 years paid fortnightly

Monthly Payment
$2,147
$3163
$1582 fortnightly

Total Interest
$373,000
$169,000
$148,000

 

I am not kidding, this is what you will eventually do, if you are clever.  To get a mortgage you may sign yourself up to the devil, […]

By |March 23rd, 2020|0 Comments

Follow Warren Buffets advice on investments

HEALTH WARNING.  This section is complex. Just invest time and effort to understand this if you genuinely want to be ‘an independent woman around town’. Your savings security may well depend on your understanding this section.  Otherwise, you will be vulnerable to people in the finance sector.

Girls I know you are already playing on the […]

By |March 23rd, 2020|0 Comments

20 tips when buying your first home

Know your credit score

Your credit score is one of the biggest factors in what your loan terms will be. Know your score before you ever try to get a loan, and take the time to repair it as there will be errors ( 4 out of 5 contains errors). Noticed a small mistake? No […]

By |March 23rd, 2020|0 Comments

Warning of scam that international speakers need to be aware of

If you receive an email from a reverend with a Gmail account, you can guarantee you’ve been hit by a scam.

Features of a scam are:

Large church who are running a large conference as they want to do something different.
Have substantial sponsorship so fees are not a problem.
They are promising about 600 people […]

By |January 25th, 2020|0 Comments

David Parmenter explores ‘How to unleash innovation in your organisation’

I have been reading many of the great works in the innovation space, and through serendipitous events have gathered together resources that I believe will give the reader a unique and clear picture into the complex world of innovation. This working guide is due out in the next couple of weeks. Pre-order yours now by […]

By |January 21st, 2019|0 Comments

30+ smarter ways of working: part 1

From lessons gathered from forty years of observation, reading and discovery. I have broken the smarter ways into the following categories. Making Work Fun, Work Habits, Communication, and Innovation.
Let’s look at Making Work Fun
Have a grand finale
George Hickton, one of New Zealand’s most successful CEOs firmly believes, “You need a grand finale, something to work towards”. The […]

By |January 2nd, 2019|0 Comments

30+ smarter ways of working: part 5

From lessons gathered from forty years of observation, reading and discovery. I have broken the smarter ways into the following categories. Making Work Fun, Work Habits, Communication, and Innovation. Lets now finish off our look at Communication.
Communication
The Achilles heel of many managers. John Kotter, of “Selling and leading Change” fame points out that we often under […]

By |December 26th, 2018|0 Comments

30+ smarter ways of working: part 4

From lessons gathered from forty years of observation, reading and discovery. I have broken the smarter ways into the following categories. Making Work Fun, Work Habits, Communication, and Innovation. Lets now look at Communication.
Communication
The Achilles heel of many managers. John Kotter, of “Selling and leading Change” fame points out that we often under communicate by a […]

By |December 25th, 2018|0 Comments

Leadership in an Era of Distraction

The immediacy of technology has led to a distorted sense of urgency for many and has led to a loss of focus, productivity and lack of leadership. To make matters worse management and leadership training, once compulsory, is now a rarity. Talented staff are entering their thirties, as highly paid specialists, without exposure to management responsibilities.

Where does […]

By |December 20th, 2018|0 Comments

Where is the monkey? The art of delegating

I once was a contractor for a CEO, let’s call him Chris, who had to be the worse CEO I have ever witnessed. Chris was a trained lawyer, you know the type, one who only thought their way of writing was the best. That is why there are so many rewrites when you get two lawyers […]

By |December 18th, 2018|0 Comments