Fully revised edition of the one-stop financial reference book. Whether you're a student grappling with a loan, or a homeowner needing straightforward information about investments, real estate and tax, or simply looking for the best way to pay off your mortgage, this fully revised edition of a bestseller by one of this country's leading financial writers is the indispensible guide to everyday finances. With subjects ranging from planning your budget to sharing income in a relationship, Martin Hawes provides sensible, clearly written advice, recently updated to take account of New Zealand's challenging post GFC economy, including information on property investment, finance companies, the Portfolio Investment Entity (PIE) regime and changes to KiwiSaver. The financial world is complex and ever changing, and it pays to stay informed and up-to-date. Written by one of New Zealand's most highly regarded financial experts, this book also covers pertinent points of law that sooner or later will touch the lives of every New Zealander.Author BiographyMartin Hawes is a well-known and trusted financial writer. His book Family Trusts has sold well over 100,000 copies. He is a popular media figure, seminar presenter and keynote speaker. Martin and his partner, Joan Baker, run wealth coaching programmes and in addition he has a small number of independent, non-executive directorships. Martin lives in Queenstown.

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