Insurance News for Real People

What spreads faster than a JAFFA in Level 4? The disease of misinformation!

What spreads faster than a JAFFA in Level 4? The disease of misinformation!

That headline might sound harsh; at the same time, it is a sign of the times where average Joe thinks they are a specialist in medical science after a couple of YouTube videos.

And you're reading this because you're looking for answers on how to pull a loved one out of the rabbit hole. Sorry, it's hard to impossible.

Read more

The John McLean Theory for ADHD

The John McLean Theory for ADHD

I talked here about ADHD and my airport analogy with Die Hard II being the epitome of the typical ADHD'er's day.

Expanding on that, there are a few things that would help those around those with ADHD.

For Chronic Fatigue Syndrome (CFS), we have the spoon theory to indicate energy levels and activity throughout the day. I have something analogous to this, the John McLean Theory for ADHD.

Read more

Airports, ADHD, and Die Hard II

Airports, ADHD, and Die Hard II

Having been involved with mental health disability claims for the better part of two decades, I've observed many things that those experiencing a disability due to mental health and clinicians on the coal face don't always appreciate.

A level of distance gives perspective. And one of the things I have noticed is that ADHD, attention deficit hyperactivity disorder, is far more common than people think.

Read more

Income Protection and the threat that Australia represents here.

Income Protection and the threat that Australia represents here.

Those that know me and have read what I write know I get pretty hot under the collar about things that impact peoples outcomes. Australia is about to career down the path of something that is going to punt us back to the dark ages when it comes to looking after people.

Australian Prudential Regulation Authority (APRA) has decided that income protection is unsustainable, and it needs to be regulated to be more sustainable. Understand this is from a profitability and shareholder return perspective, not what is good for the consumer or the Australian public.

Read more

Public vs Private health a real-world perspective

Public vs Private health a real-world perspective

Yes, you've heard it before, you should have medical insurance and income protection. Well here's a story of exactly why you need to consider insurance cover.

Your life may depend on it.

We have a client who has had ongoing issues with immunity for some time. They have the cover and have been able to access treatment in a reasonably timely way.

Read more

Fuel prices, who's fleecing who?

Fuel prices, who's fleecing who?

It's all well and good to say we're being fleeced at the pumps. When the government is taking 97c of every $2.20 litre of fuel, you have to ask, who's fleecing who?

The fuel companies aren't wearing any of the taxes, and nor should they. However, when the raw cost is 84c, and the margin from the importer to the consumer is 34c, there's not a lot in it to run the distribution and delivery network for the fuel companies. Frankly, they do it on very high volumes and not margin. (as reported and not checked by the NZ Herald, not sure where the other 5c went?)

Read more

Why Financial Advice is not 'Free'

Why Financial Advice is not 'Free'

One of the biggest misconceptions in the New Zealand financial services market is the perception that advice is free. It isn't. Someone somewhere pays for it.

We have seen the investment market move away from commission and high percentage-based fees on investment product to advice fees. Also, to a degree, the mortgage broking industry has where the provider doesn't pay them a commission.

Read more

The flu and flu vaccines

The flu and flu vaccines

I think it's crucial that we better understand vaccines and especially the flu vaccine.

Myth number 1. The flu vaccine prevents you from getting the Flu.

No, it doesn't. It prevents you from developing a full-blown case of the Flu, and its complications. You may not realise you have had an infection at all because the immunity created by the vaccine has been effective in activating your immune system to deal with it.

Read more

Buying life insurance on emotion; yes, everyone does!

Buying life insurance on emotion; yes, everyone does!

Do you buy on emotion or do you consider the relevant details before buying?

The majority of people buy their insurance based on emotion and then struggle to get what they need at claim time when the harsh reality of the facts gets applied.

We've all heard about Lime Scooters and the media beat up about them, I call it a beat up as all of the stories have lacked any contrast, and they have focused on beating up the innovation and change from the status quo.

Read more

Hijab what is it really and why do we judge what we don't understand so harshly?

Hijab what is it really and why do we judge what we don't understand so harshly?

The terror unleashed in Christchurch has given New Zealand, and the world, pause to consider the world around us. And one of the things that was hotly discussed was Jacinda's decision to wear Hijab.

Given her position of authority, she could have ignored the cultural aspects and shown up as she would usually have, even in the mosque. She is our prime minister after all.

However, Jacinda chose to wear Hijab and demonstrate a deep respect for the pain of the people involved, without adding to the distress on either side (male or female), as religious views and customs in these situations tend to be heightened and more likely to create tension.

Read more

What we Kiwi's can do

What we Kiwi's can do

We have long been a nation of 'can do', mostly because of our isolation and distance from anywhere else.

This has been a double-edged sword, in its restriction to access the world and isolating us from the rest of the world. All that changed last Friday, when the worst of the rest of the world came crashing in on Christchurch.

Read more

To vaccinate or not to vaccinate, it is your choice

To vaccinate or not to vaccinate, it is your choice

This one has been rolling around in my head for some time. And with the more recent World Health Organisation statement that vaccine hesitancy is one of the top 10 global health risks, it's worth saying most of the rhetoric on vaccines are both overblown and entirely out of whack with the reality of the research.

What we do know is medicine in all of its wisdom isn't always right, and science is never 100% certain. And people outside these professions and disciplines don't always appreciate and understand this.

Read more

Postal Address:
PO Box 301792
Albany
Auckland