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Hustle ... Self-determination to go out there and work it out until you made it.

Attorney vs Executor ...

What is the difference?

It can sometimes be confusing when we talk about an attorney (for an Enduring Power of Attorney - EPA) and an executor who is appointed in your will and who looks after your estate when you die. The difference is literally a matter of life or death.


An EPA is used when you may not be able to make decisions for yourself. For example, you may become very unwell, or unable to communicate important decisions ( you could be away from email or phone access for some time), leading in either case to an inability to make important decisions. Your attorney is the person you trust to act in your best interests - with your property and your wellbeing.


There are two types of EPA - property, and personal care and welfare. Your attorney can be the same person/s or you can choose different people for these two roles.




"Continuous improvements and learning are the key of success."


Pay off your Mortgage Early

4 ways to repay your mortgage sooner, but should you?


Don’t want to be stuck in debt for the next 30 years? If you’re like most people, paying off your mortgage might be one of the bigger financial goals you’ll ever have. Unfortunately, it’s also one of the most daunting. With New Zealand house prices the way they are, this might seem like an insurmountable task to pay off that amount of debt.


But fear not, there are several ways to pay off your mortgage early, and you don’t have to be stuck with debt for 30 years. In this article, we’ll discuss the benefits of paying off your mortgage early, some strategies for doing so, and some pitfalls to avoid along the way.




CALM or CHAOS?

Do you ever have weeks where things seem to go from calm to chaotic? It can be overwhelming when

it feels like chaos is taking over, you’ve lost control and then work dominates your week. It’s stressful, consuming and often not much fun!

We have learned over the years that focusing on what we can control can make all the difference. It helps you feel more in control and empowered to influence outcomes.



 

TAX CALENDAR

30 June 2023

28 July 2023

28 August 2023

Last day to apply for annual FBT returns

3rd instalment 2023 Provisional Tax (June balance date)

1st instalment 2024 Provisional Tax


OTHER TOPICS IN THIS ISSUE

Travelling expenses overseas | Director’s fees and GST | Selling a loss-maker | When you become bank of Mum ‘n Dad | Reimbursing employees working from home




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