||National Housing Market Gets Hotter
New Zealand house prices are moving north
as the property market springs into action. The average property value in
Auckland was up 1.3% over the last three months, with values in the regions
moving ahead at an even faster rate. While Auckland is still more affordable
than it was a year ago, national values are up on an annual basis and first
home-owners are struggling to see a way forward.
||The Science of Gift Giving
Christmas is on the doorstep, which means
tough decisions, budget allocations, and last-minute shopping. If you're like
most people, then you probably approach gift giving with a combination of
random luck and hours walking the streets. As it turns out, however, there is a
clear and robust science behind gift giving, with people who receive gifts much
more appreciative when decisions are based on thoughtful consideration and
long-term value rather than immediate satisfaction and price.
||Changes to Bank Capital Rules
The RBNZ recently finalised its capital
review in an effort to safeguard banks against economic shocks. Retail banks
will be expected to hold $20 billion in capital at all times, which will have
implications for small and big banks alike. While this move is a great
insurance policy designed to reduce the potential of a public bailout, it could
also lead to more expensive mortgages, lower deposit rates, and more stringent
||Negative Effects of Bushfire Smoke
Bushfires remain prevalent across
Australia, with smoky conditions possibly becoming more normal as climate
change takes hold. Rural communities in NSW have been inundated by smoke for
weeks, with Sydney also choked by bad air and dangerous smoke particles. While
everyone is aware of the destructive power of fire when it comes to harming
property and affecting lives, the true dangers of bushfire smoke are only
starting to be understood.
||How to Increase Your Mental Bandwidth
The modern world can be busy and stressful,
with people often experiencing a lack of time and mental resources. It's easy
to make bad decisions in such an environment, as our mental bandwidth narrows
and we focus on the wrong tasks. While some people thrive under pressure, for
others, busy routines and ongoing stress lead to procrastination and reduced
productivity. As it turns out, achieving a healthy work-life balance is a great
way to increase our attention span and upgrade our cognitive bandwidth.
||New Zealand & The Green Economy
Whether you know it as sustainable finance
or the green economy, ethical and environmental issues are having an important
impact on the New Zealand economy. As politicians and multinationals struggle
to make sense of the new world, institutional investors are rapidly moving
towards a more agile and greener economy. While strong growth continues to be
the main objective, clever investors are increasingly looking for long-term
opportunities that align with their vision for a zero-carbon future.
||Hot Household Products This Christmas
Once again, Christmas is just around the
corner and you're probably not ready. Whether you need to buy five gifts or
fifty, new product releases leave us spoilt for choice as we head into the
holiday period. From household tech and lifestyle products through to media
subscriptions and kids' toys, let's take a close look at the best new household
products for Christmas 2019.
||Fastest Rising Areas in New Zealand
New Zealand property values are on the
rise, with record prices seen in some parts of the country and the national
median value also in new territory. Strong demand is helping to drive up
property prices, as the Auckland market lifts despite a decline in sales. While
national inventory and sales volumes are both down, data points towards strong
conditions and renewed optimism as we head into 2020.
||Why Do We Gain Weight As We Age
Gaining weight as we age has become completely
normalised in modern society. Men and women in their late 30s and beyond are
almost expected to gain weight, even though we've never understood exactly why.
While various genetic and lifestyle factors influence weight gain, there are
age-related considerations that can't be accounted for by eating or exercise
habits alone. As it turns out, how we store and process fat changes
substantially as we get older.
||Modern Work & the Adaptability Quotient
Modern workers are always looking for that
little something extra to help them forge ahead in their careers. Whether
you're a mechanic, a salesperson, or a surgeon, making moves in your chosen
field was always thought to be a combination of smarts and hard work. As it
turns out, however, additional capacity may also be needed. Along with regular
and emotional intelligence, the adaptability quotient (AQ) has recently been
recognised as a key driver of success.
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