Gifting a deposit for a home can seem simple enough but you need to consider the following: 1.Are there other siblings to think about? 2.An alternative to gifting can be a loan, how does this affect future claims by a spouse? Bryan Ivamy, general manager of NZ Trustee Services was kind enough to share his thoughts.

The Real Cost of Heart Disease: Why Financial Protection Matters
Heart disease remains New Zealand’s single biggest killer. According to a recent AIA claims report, $93.5 million was paid out in heart-related insurance claims in

