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Balancing your Assets

The measure of your wealth is the difference between the value of your assets and the amount of money you owe to others. Wealth is generally accumulated over your working life, reaching a peak around the time you retire, and then diminishing through retirement. Of course, for some people, it is not quite as simple as this and life events such as divorce, redundancy, illness, or windfalls such as lottery wins or inheritances can create sudden changes in wealth in a positive or negative way.

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compareThe measure of your wealth is the difference between the value of your assets and the amount of money you owe to others. Wealth is generally accumulated over your working life, reaching a peak around the time you retire, and then diminishing through retirement.

Of course, for some people, it is not quite as simple as this and life events such as divorce, redundancy, illness, or windfalls such as lottery wins or inheritances can create sudden changes in wealth in a positive or negative way.

During your working life, the focus is on building wealth and it helps to have a clear target of where you want to be by retirement age. The target you set will help determine the strategy for achieving it. It is important not to leave it too late to set your target. Building wealth takes time, and the danger is that if you wait until near the end of your working life to decide what your target is, you may not have enough time to get there.

Your target level of wealth will have three broad categories: your house, the possessions you own in order to enjoy life (such as your car and the contents of your house) and your investments. These three categories need to be in balance.

Reaching retirement with all your wealth in your house and possessions and with few investments implies a lifestyle where you will be living in physical comfort but too poor to go anywhere! The house you live in is unlikely to produce as great a return on your money as other investments. This means that during your working life, as a general rule, the less wealth you have in your house and possessions and the more wealth you have in investments, the faster your wealth will grow.

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New Zealand

Trump’s Triumph Crashes Immigration Website

Canada and maybe New Zealand will be the top beneficiaries of exiting Americans unhappy with Trump’s triumph victory in the US Election. Canada’s immigration website crashed once news spread that Trump’s victory was likely and Reuters reported New Zealand’s website also had a spike in interest from visitors looking for information on residency visas.

trump3Canada and maybe New Zealand will be the top beneficiaries of exiting Americans unhappy with Trump’s triumph victory in the US Election.  Canada’s immigration website crashed once news spread that Trump’s victory was likely and Reuters reported New Zealand’s website also had a spike in interest from visitors looking for information on residency visas.

We published an article less than a week ago on How to move to New Zealand & get a job in 31 easy steps. This is an extract from a book written by an American woman who sailed to New Zealand with her husband and two daughters in 2012.   Sara and her family have now settled into the kiwi lifestyle and Sara’s tips on how to move to and get a job in New Zealand is timely.  The Brexit vote and now Trump’s triumph has many residents of the UK and America seeing their future somewhere else.

Canada has been quick to embrace the interest in their country saying:

“In Canada, immigrants are encouraged to bring their cultural traditions with them and share them with their fellow citizens.”
@Canada

The list of celebrities whom have said they will leave America is if Trump becomes President includes the likes of Barbara Streisand, Cher, Miley Cyrus, Samuel L Jackson, Jon Stewart and on Twitter

Locally, NZHerald reports many Hollywood celebrities are commenting on twitter and Instagram saying they will leave America.

“I’m freaking out too but, together, we are gonna be OK, we got each other, animals, don’t lose your s***. Worst case, let’s all move to New Zealand,” wrote Kesha alongside a selfie on Instagram, before editing her post.

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New Zealand

How to Move to New Zealand & Get a Job in 31 Easy Steps [Book Extract]

If you plan to work in New Zealand, the time to start looking into getting a job is long before you arrive. While you may not begin your official job search until you are in the country, there are a number of things you can do to kick-start the process.

New Zealand work visa

New Zealand work visaIf you plan to work in New Zealand, the time to start looking into getting a job is long before you arrive. While you may not begin your official job search until you are in the country, there are a number of things you can do to kick-start the process.

We were still in Tonga, aboard our sailboat, and not planning to arrive in New Zealand for another three months, when my husband, Michael, polished up his curriculum vitae (CV) and sent it along to friends in Auckland. They forwarded it to their information and communications technology (ICT) contacts and to recruiters with whom they’d worked. A number of the recipients responded immediately, asking Michael to get in touch again when he landed in country. Although it felt like he was jumping the gun at the time, the tactic appears to have worked. Within a week of arriving at the Bay of Islands, Michael had a job interview scheduled in Auckland and a job offer in hand a few weeks later.

Getting a job in New Zealand is a lot like anywhere else. It’s all about who you know. I’d say it’s even more so in New Zealand as there is only a degree or two of separation between people due to the small population. This is a tight-knit country. So if you do know someone down here, it may pay to leverage that contact.

On the other hand, it’s certainly not required to know anyone. Michael landed his current ICT gig by applying for positions advertised on seek.co.nz, the most thorough job listing website in New Zealand and Australia. This is the best place to start researching the jobs that are available and where they’re located. (See Step 11 for choosing which part of the country to live in.) Many New Zealand companies advertise open positions on LinkedIn.com.

My other favourite job listing sites are:

  • Trade Me (all types): trademe.co.nz
  • New Kiwis (all types of skilled work): newkiwis.co.nz
  • Kiwi Health Jobs: kiwihealthjobs.com
  • NZ Education Gazette (teaching positions): edgazette.govt.nz>

For an extensive list of job websites, browse careers.govt.nz/job-hunting/job-vacancy-and-recruitment-websites. Check out the rest of careers.govt.nz too. It’s chock-o-block full of job hunting, training, and general career advice for New Zealanders.

Finally, have a look at the government’s Skill Shortage Lists (skillshortages.immigration.govt.nz). On these, you’ll find occupations that New Zealand needs more people to fill, either temporarily or long-term. If your occupation (or one of them) is on one of the skill shortage lists, your work or residence visa application is much more likely to get approved, and more quickly.

This leads to one of the most common questions people ask me: Do I need to be in New Zealand to get a job? The answer is…it depends. If your occupation is on the skill shortage lists, you are much more likely to be successful in applying and interviewing from out of country. But even if your occupation is not in demand, and you find a job that’s a perfect fit for you, apply.

According to one hiring manager I spoke to, they often interview applicants who are outside New Zealand. He says: “It’s difficult to find people already here that have the ICT skills we’re looking for. After we offer the person the position, they start the work visa application process. When their visa is approved, they move down and start working.”

For some positions, such as seasonal or temporary work, you are likely to have a better chance at scoring a job if you interview face-to-face. As I wrote earlier, Michael began seriously applying for work after arriving in New Zealand, but having a good idea of what’s available with a CV ready to go was key in making this process as short as possible.

This post is an excerpt from How to Move to New Zealand in 31 Easy Steps by Sara Dawn Johnson.

Sara Dawn Johnson, along with her husband and two daughters, moved to New Zealand in 2012 by sailing their home, a 38-foot sailboat called Wondertime, across the Pacific Ocean. Sara is also the co-author of Voyaging With Kids: A guide to family life afloat.

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New Zealand

Is Your Website Your Best Salesperson?

Businesses who fail to look after their website and online presence do so at their own peril. There are many real life examples of businesses large and small losing market share and in some cases going out of business altogether due to their poor online presence.

Their competitors however probably engage a professional SEO company and as a result they’re reaping the rewards with more customer leads and revenue.

Businesses who fail to look after their website and online presence do so at their own peril.  There are many real life examples of businesses large and small losing market share and in some cases going out of business altogether due to their poor online presence.  Their competitors however probably engage a professional SEO company and as a result they’re reaping the rewards with more customer leads and revenue.

Google doesn’t care if your business earns millions or even billions in revenue.  Google only rewards websites that are well designed.  A mobile friendly website is not a luxury like many out of touch businesses believe, it is a fundamental requirement.

Start up businesses with well designed websites can get a jump on established firms and grab market share.  They appear to be overnight successes while steadfast market leaders can appear to go out of business just as fast.  We don’t have to look to far either to find lots of examples all around us especially in the retail sector.

Summarily if your website design is not mobile friendly it’s not going to be found by prospective customers who use Google for their research.  When your business fails to show up in the search results consumers set their sights elsewhere.  Consumers now almost rely exclusively on online research.

MYOB released a report a couple of years go stating 86% of New Zealanders were using the Internet every day and 80% of us are searching online before buying a product or service.  New Zealand is one of the most Internet savvy countries globally with four out of five homes connected to it therefore your website really should be your best salesperson!


This blog article was written for BusinessBlogs by Mobilize Mail.

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