"Investing in Knowledge", Quarterly Newsletter

LYFORDS distributes a colour, four page, quarterly newsletter to their clients.
The last 12 months are given below. 
Please note:  The newsletters prior to 2005 refer to the company Creating Wealth Limited.  This company was re-branded to LYFORDS in April 2005.
The newsletters are saved in Adobe Acrobat pdf format


{ You may also be interested in visiting our Money Articles }

"The finest compliment that we can receive
 is a referral from our clients to their family and friends
"

Third Quarter:
September 2008

Time to buy

We have now passed the midpoint of 2008 and financial markets are still struggling to cope with the combined effects of the credit crunch and the exponential increase in oil prices.....

A bigger choice is on its way
Until recently, the number of offshore fund managers who registered funds for distribution in New Zealand was limited due to the high cost of developing and registering  ...

What does wealth mean to you?
When you hear the word wealthy, what do you think of? Do you think of having your own private aeroplane, living in a mansion and driving fancy cars? Or do you define wealth ...

What are three words that profile the wealthy?
Frugal. Frugal. Frugal
Webster's Dictionary defines 'frugal' as €śbehaviour characterised by or reflecting economy in the use of resourcesť. Being frugal is the cornerstone of wealth building .......

Everything old is new again

The hobgoblins of 2008 are recession, oil and inflation, that is, until the recession is perceived not to have happened (with massive injections of monetary and fiscal stimulus having chased it from the door) ......

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First Quarter: March 2008Out of adversity comes opportunity
If you only read the newspaper, you 'd probably consider putting your money under the mattress and leaving it there...

Pick the plums!

There are several 'plum" investment opportunities available right now, such as:...

Why it's an absolute no brainer to put your kids into KiwiSaver

Do you remember having a Post Office Savings Bank account when you were younger?...

Helpful insurance tips
1. Not all policies are created equal...

Having the will to make wills easier
There have been a number of minor changes to the laws around wills with the passing of the Wills Act...

What services do Lyfords offer?
From time to time we get disappointed when we hear clients have set up insurance programmes or...

Alison's Book Launch
Over December and January, Alison has been busy completing book on breast cancer...

New disclosure law provides greater transparency
We are passionate about ensuring that our clients have access to as much quality...

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Fourth Quarter: December 2007What does a credit rating actually mean?
Have you ever seen a bank, insurance company, finance company or financial institution advertising their 'credit rating? ......

The Dr Michael Holt Story

At the recent ING conference ....

top seven tips to avoid Christmas financial chaos ...

With Christmas fast approaching .....

The more things change, the more they stay the same
A lot has been happening to the investment markets ........

Life is not a dress rehearsal
George Bernard Shaw once said ...

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Third Quarter: June 2007Should you be a Kiwi Saver
Kiwi saver is here and believe all New Zealanders should seriously ......

Is Bridgecorp a warning sign of systemic issues with finance companies?

The fall out  ....

How to protect yourself in the property market ...

It is important especially now .....

Why revolving credit loans can put trustees into a spin
If you have a trust that owns a property with a revolving credit mortgage or loan facility ... . ....

Strange but true?
Men are ...

Why Trauma insurance could be critical for you
Have you or someone you care about been diagnosed with a life threatening disease ...

Thank God for insurance

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First Quarter: March 20072007 is your year - and we are here to help
Did you set New Year 's resolution this year?   ......

Can your family trust pass a warrant of fitness test?

Did you know that according to a recent survey ... at least 72% of trusts are at risk of being challenged  ....

Nothing is certain in this world but death and ...

.. taxes. Yes its nearly that time of year again .....

Make sure you protect your personal treasures
If you have ever had to evacuate your home quickly or had a disaster strike . ....

Who would have thought?
Do you remember the back page of the last newsletter ...

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Fourth Quarter: December 2006How to crush your credit card this Christmas
With Christmas fast approaching, we thought we 'd have a look at some practical and easy ways for you to improve your finances ......

Are we becoming a multi-national outlet store?

You may have heard Reserve Bank Governor Alan Bolland, speaking recently about New Zealanders' lack of savings and their love affair with debt  ....

Why does all this matter?

For the year to June 2006, the current account deficit had blown out to 15.2 billion, which is $3 billion more than the previous year .....

Have a little trust when you pass away
Does your Will leave your assets to your loved ones individually or in the name of a trust?. ....

Fantastic Christmas gift ideas
Struggling for ideas for Christmas presents for your friends  and family? Try these helpful suggestions: ...

In memory of mum

Do I really need health insurance
If you can afford to take responsibility by obtaining insurance for your own health requirements, you will be more likely to get treatment you need if you suffer serious illness ....

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Third Quarter: September 2006The surprising secrets of millionaires
When you think of the average millionaire, what images pop into your head ......

Tax changes not finalised but we are on top of it

In case you haven't heard the Government is proposing to make widespread changes  ....

What is happening economically at the moment

Interest rates unlikely to fall until 2007, housing market slowing, currency will weaken .....

Be aware of Trustee responsibilities
With the massive proliferation of trusts in recent years. ....

Insurance premiums a waste of money?
Do you recall ...

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Second Quarter: June 2006The falling dollar and how it affects you
The currency has certainly been in the news recently and with good reason......

Are we getting richer?

The result of a recent survey into the net worth of New Zealanders provides some interesting reading ....

Why a family trust can be a good option for you

Establishing a family trust has numerous advantages .....

Common mistakes made in relation to New Zealand super
If you are about to retire or are currently receiving NZS you should be mindful of the following ....

What makes us excellent?
Alison and Richard recently spoke at the Institute of Financial Advisers. ....

Collapse of National Finance
The collapse of national Finance has left ...

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First Quarter: March 2006Economic update 2005 - What a year!
2005 was another excellent year for most growth assets.  In fact, .....

Financialalert Advisory Practice Award 2006

Lyford Asset Management Ltd has been selected as finalist for this year's inaugural award ...

Survey provides a stark warning about underinsurance

The results of a survey released from American International Assurance New Zealand (AIA) last last year cannot be ignored .....

Case Study: Beware the timing of your gifting
If you have a Family Trust, make sure you read this article to ensure you do not fall into the same trap as our unlucky investor!

Making smarter decisions about property investment
Few could deny the fact that New Zealanders have a love affair with direct residential property investment. ....

Time for a financial New Year's resolution?
We have all said it before ...

Its done goal set, goal achieved!
In our Christmas newsletter we mentioned Alison was taking time out to finish her book .....

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Fourth Quarter: December 2005

Budgeting for the festive season
We all like Christmas as it gives us a chance to relax and enjoy time with friends and relatives.  However ...

Ignore the gremlins

Do you support the All Blacks?  If so think about how you feel after the All Blacks win a test match compared with how you feel after they lose....

ING launches the regular income fund

We all like receiving income ...

Changing intergenerational attitudes to money
Are there any teenagers out there who do not spend all their income and pocket money?  If there are, they are definitely the minority ....

If you died tomorrow would you have enough life insurance?
It's obviously not something we enjoy thinking about but .....

Writing a book - free book offer
When Richard and I set up our financial planning company in 1994 .....

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Third Quarter: September 2005- Returns on PPS strong
It has been a strong year for returns ...

top five investment tips from Warren Buffet

Warren Buffett is probably the world's most successful investor ......

Why you should consider establishing an education trust

Have you ever looked at the spiralling cost of providing an education for your children  ......

More helpful insurance tips
Seven useful tips for your insurance ....

In Defence of Managed Funds
Managed funds have been getting a lot of attention recently in the press ....

Health Insurance - it works!
Private surgery costs can be crippling, yet often if you want surgery when you need it you cannot get it unless ....

Web site - finding your way around

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Second Quarter: June 2005Eight Insurance Tips
Eight tips everyone should know about insurance.

Rental Property Tax Deductions

Its tax time again and we notice many clients are not maximising the deductions they could be obtaining ....

The top 10 Ways to Avoid 'maritial money chaos '
Money can have a devastating effect on a relationship ....

Speed up the Gifting Process
A family trust only provides full protection of assets once gifting process ....

LYFORDS "International"
Always do a good job you never know who is watching ....
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First Quarter: March 2005Economic Update
2004: The year in review
2005: The Year ahead

The Price is right!

An interesting aspect to consumer behaviour is the attitude we have towards insuring our own lives against the unexpected.  We don't seem to ever question the need to ....

Australian property investment
For the many people who have invested in properties on the Gold Coast in Australia, there has been some confusion in relation to ....

New Tax Act
A new income Tax Act comes into force for the 2005/2006 tax year.  The aim of .....

Beware when changing trustees
When a trust makes an investment in a company, these shares are essentially in the trustees' names ie ...

The Christmas Mum can't remember .... and we 'll never forget!
Isn't it funny how the relationship with your parents changes?  When you are .....

Lyford Asset Management Ltd:  Why change?
Why change a good thing after 10 years in business?  In February last year we conducted .....

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