Most of us likely understand wholesale to mean ‘cheaper than retail’.  Wholesale stores usually sell to other stores rather than directly to customers, so buying at wholesale price typically means saving a few bucks on the retail markup that stores would use to make their profit.

Those looking at the history of blue chip stocks as indicators of their future success only need remind themselves of Constantinople

There is little love to be found in any financial or business headlines lately. Profits are down year on year for household name companies.

I recently saw an article titled “Why you should never retire.” This doubtless sent a chill down the spine of a few readers before they clicked into it – but the essence of the article was sound.

The best things in life are free; one of the best things you can do for your kids is prepare them for adulthood by teaching them about money.

This time last year, everything ground to a halt. Telecommunications and electricity were down for weeks in some areas. It was a long time before the damage could be fully understood, and to date, some places still have not recovered or been rebuilt.

Maslow’s hierarchy of needs is a motivational theory in psychology comprising a five-tier model of human needs, often depicted as hierarchical levels within a pyramid

If Stewart Group was a person, we would be firmly in the middle of the typical accumulation phase of life. Having just celebrated our 37th anniversary in business, our minds are always on retirement… not ours (we’re only just getting started!) but on what people ought to know when planning for this stage in life.

There’s been plenty to whinge about in the past few years – but is the world getting worse, or are you just in the middle of the U-shaped happiness curve?

Marking another calendar year provides an opportunity to reflect on several lessons, not the least of which is the difficulty of investing based on past performance.

As this will be our last article for 2023, I felt it prudent to acknowledge just how much change has happened this year. From the massive and lingering impact of Cyclone Gabrielle, to moving out of COVID response structures, to continued fiscal pain and high interest rates, conflict in the Middle East and continued conflict between Russia/Ukraine, even a change in Government with the first ever 3 party coalition – it has been a very turbulent and uncertain year, and one I imagine many will be glad to see the back of.

As we roll ever-closer to that time of year where many of us will be hosting family and loved ones, our minds turn into lists. Festive gifts, who’s arriving when, items we need to get in that last stock-up shop before the big day (if you’re the kind to brave supermarkets this close to C-Day), and of course; some kind of run sheet for preparing the feast.

The halcyon days of Airbnb are over. The company has strayed far from its affordable, humble roots of offering up someone’s spare room, to now outstripping both the Hilton and the Wyndham combined in worth – and we are all caught up in the consequences of it.

Sometimes it is good to remind ourselves of the ‘essentials’ of financial planning. While markets are unpredictable, the strategies we take to account for this are very well documented and often very repetitive – as the late American economist Paul Samuelson noted, investors should only find a thrill akin to watching paint dry or grass grow.

Here’s a timely reminder ahead of the festive season: Placing pressure on yourself to ‘treat’ your whānau will only cause you more stress during what should be a joyful time.

It is Fraud Awareness week, so it seemed only fitting to focus on scams in this article. Scams have come a long way; if nothing else, you must hand it to scammers when it comes to ingenuity. They are the undisputed champions of spin.

Amid other debates, this year’s General Election has provided fertile ground for economic speculation. Who will commit to what for tax or fiscal policy, essential services, education, social support structures… all lined up against the backdrop of what any of this might mean for New Zealand’s economic outlook.

Holding wealth in cash makes people comfortable. We like to feel we control things, so having cash in the bank helps us feel in control of our finances. Keeping cash is accessible and carries little perceived risk to investors. After all, cash is king…

Have you ever wondered the cost of happiness? There’s a report on that. Or, more accurately – the S Money report details the point of income satiation from countries around the world, using data from a Purdue University study (among other sources).

No one likes to feel like they are missing out on a good thing.

Our brains are constantly comparing our reality to our expectations or goals, and when that doesn’t line up, it can get uncomfortable.