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NZ should be careful now as we will be heading for another

Recession 2019-20 bigger than the 1929 depression when the Fed raised the rate by 6%




  • BORROWING & DEBT FREE: As we know borrowing off the Banks costs and the more you borrow the more you pay back. Our formula borrow $10,000 x 2 = $20000 + 1/2 = $5000 and you pay back approx $25,000 immaterial of the interest rates & inflation. By age 60 years you must or shuld be mortgage free. If not and youre still working with no savings for retirement you will lose.
  • Credit card interest rates can be double that of a mortgage. To get out of a mortgage you must pay the Bank a closing fee which can be quite a lot so ask these questions first. Banks never tell you that interest rates are over the top. They say pay the minimum back so theire interest rate & profit becomes higher. Besides today an Amex Green Card is the best card to have to use money. No bank fees on purchses like a Bank; no yearly fee apart from the $55 card fee??? yet Visa and Mastercard have up to 23% in charge rates to cripple you.
  • Where people get trapped: Paying off a mortgage can take years & then people do not save in the meantime. Some forget about the emergency funds then borrow more or want a new car and the Bank allows them more funds and so it gets harder as the years tick by. Selling the house to buy an even better house just starts the process off again and the saving plan remains in the back burner. Thus renewing the debt is not an option if you have no savings. If you owe tax on top then get help quickly as the problem will not go away and you and your wife work as a team. Doing nothing eats into your assets? the problem still stays there. Banks are leeches.
  • Have what you need and try to save. Kiwi saver is a good option for those who want to start saving and with Term deposits with Banks work out the interest rates and when you get capital payments back if youre actually making what you should.But in 2018 some Kiwi Savers went the opposite & investors lost? so what will happen when the crash comes & it will start in 2019 [ Why hate Banks ]




Inflation is the creation of new money without the correlating creation of new wealth. It is printing paper with nothing to back it up & not the result of price rises. Banks try to inflate because it allows them to collect interest on loans they make when they don't actually have the capital on hand to make those loans. This is just plain theft of the Banks. (It is theft because the fraudulent notes issued by the banks devalue the validly held notes by bona fide depositors in the bank. Where the bona fide depositors once had a buying power X, they now have a buying power of X minus Y, where Y is a positive number.) Where banks issue their own paper currencies, competition among them will provide a check to the tendency to inflate because of the convertibiliy of paper into specie.

When all banks use a Merchant or central bank's currency which they do, the check on inflation is gone because there is never a need to convert paper into real money. As long as we have a central bank, we have institutionalized theft through inflation.


NZ LOW INTEREST RATES: the downfalls

When banks drop interest rates it allows more money to be loaned out but watch out if this rate remains for some time. The pitfalls are apparent if left for too long. Borrowers over stretch their loans & become complacent and take on more leverage than they can really afford due to low rates. Those wanting mortgages tend to supplement their low rate with other necessities like cars, holidays etc as they feel they can afford the rates easily enough. Banks borrow money at near zero interest rates hence can now lend as is the case @ 3-4%. But they do not wish to create more business at these rates. This means there could arise an asset bubble and it has to happenj as the USA is $21 trillion in the red and will never get out of it??? Trump will get the blame as he inherited the mess Obama left but it does not allow more work & relieve unemployment?? it works contrary too.


Watch what will happen and in NZ we are oblivious an those with property are sitting on a gold mine for now?? those with no home theres just no hope. You will not pay a mortgage off at todays rates over 30 years unless you win a lottery? The more you try the more you get into debt.


Investors if they see a change coming will look more at oil, gold metals to invest in. This will move large amounts of money & Banks will real from it. Investors may turn to stocks causing an equity bubble? and as we know housing goes thru the roof as prices outweigh their worth and we see a housing bubble develop then break out. Its will happen again in NZ as our property prices keep increasing as people borrow more at low interest rates. NZ has a lot of debt so just be aware low rates wilkl change once inflation hits another level??

Low interest rates do not help:

1/. The elderly retirees?

2/. Those who genuinely wish to save? as well as the Banks apart from the cheap rates


Student loans in the United States top $900 billion in just seven years & Obama has allowe3d loans @ 3.4%. Even as the U.S. housing bubble inflated between 1999 and the start of 2006, mortgage balances didn’t grow that fast. The bursting of that bubble triggered the worst recession since the Great Depression. There’s enough student debt to cause trouble - more than auto loans or credit card debt so as more people borrow you will find USA and other countries peoples will not be able to pay back their loans. They have to keep up with the day to day living and the extra is not a means of getting rid of debt. We are now living in an imaginative world of hope!!! yet the Fed just print more money!!! as we write.  



[ Banks- get rid of Visa cards ] [ Failed Finance Companies July 2010 ]

WHY ARE MANUFACTURERS & BUSINESSES LEAVING NZ: [ Read the story ] The issues are economics nothing else and many a time the owner is blamed for moving when in fact he has no say in the matter otherwise he will go bust. However read the reasons why NZ has lost the plot ---[ Compare to Thailand ] & why more factories are heading abroad now. It makes sense.[ Check WHY THAILAND ] is better for Manufacturers & any Kiwi Company. Why NZ is lost [ NZ Deficit increases ] Yes we owe money????? [ Government $250m a week borrowing ] [ Transmission Gully Impact costs ] [ Kiwi Family Savings Plan ] [ Benefit cuts good or meaningless ] [ Quit smoking-heres how ] [ Levin Business dying ] [ NZders lose out ] [ World population exploding ]


" Invest in finance companies--- crazy--- they can do what they like with your $$$$ "

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