Money Secrets 101



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    Money Secrets 101: Book by Janet Xuccoa

    If you want to understand how to manage your money and make it work for you, then this book is a ‘must read’.

    From her years of study and corporate practice, Janet Xuccoa brings you a practical guide, written in plain language, that demonstrates how to manage, save and invest your money.

    If you’ve ever wondered how to control and make money and set yourself up for life, the real world advice contained in these pages will do just that.

    There are dozens of doubters and hundreds of hopefuls in the world when it comes to thinking big about the future. Be the one that stands out from the many and get the knowledge, the skills and the mind-set that this book will teach you so that you actually succeed. You won’t need any previous financial knowledge to see real value from this book. With plenty of clear examples and an every-day style, Janet makes it simple to understand how you can get control of your money - rather than your money controlling you - and how you can build the future you desire and deserve.

    This book will show you:

    + How to identify and capitalise on your money personality
    + Ways to get out of the debt trap and stay in the black
    + Practical systems for organising your money
    + Decision making tools to help you decide whether to rent or buy your own home
    + Tips to help you buy your own home in a way that increases your wealth
    + Methods to get the right mortgage for your personal circumstances
    + Questions to ask to avoid insurance traps
    + Lessons to teach your children and teenagers healthy money habits
    + Strategies to form a financial flight plan tailored to your personal needs
    + Techniques to build your wealth through cash, bonds, property and shares
    + Approaches to implement to achieve a successful, happy retirement
    + Tactics to deal with divorce and to move on
    + Golden Keys to use and manage your estate properly.

    Kind Regards

    Janet Xuccoa BCom LLB
    Trustee Services Director | Gilligan Rowe + Associates LP


    Money Secrets 10 - Book ReviewBOOK REVIEW

    www.intelligentinvestor.co.nz

    BOOK OF THE MONTH


    A FRESH FACE

    Money Secrets 10, by Janet Xuccoa, offers an easy-to-read and logical freshman's guide to the world of money.

    Reviewed by Margie Macalister

    RRP $30.00


    IF YOUR SETREOTYPICAL image of an author of finance books is anything like mine then we are thinking male, late-middle age and slightly dour.

    Think again. Janet Xuccoa is fresh faced, female and attractive. In fact the cover of this book could be mistaken for a Harold Robbins best-seller. The freshness flows through the book which delivers nothing too raunchy (unless money synonyms get you excited) but an easy-to-read, logically laid out freshman's guide to the world of money.

    We all know that there is a poor level of financial literacy amongst Kiwis. We also know how important financial literacy is in order to navigate the minefields of real life and achieve prosperity.

    Just like the 3Rs financial skills need to be learned and if children do not acquire this education from their school or family then their only option is to educate themselves.

    Fortunately we have a few Kiwi authors who are providing books that fill this need and this book is as good as any for providing a good foundation of financial smarts.

    The book shows you how to analyse your own money personality and take control of your financial outcomes. It covers budgeting, managing your financial affairs (including loans and credit cards), types of investments and the importance of insurance. That is all standard fare in a book of this genre but Janet has gone one step further and included chapters on money and relationships, parenting and money, relationship breakups and money. There is also a chapter entitled Dying Tidily which stresses the importance of having your affairs in order so the people you care about are not left with your problems to sort out should you suffer an untimely demise.

    Purchasing a house is the largest financial transaction most people ever make and Janet devotes a large part of the book to talking about home ownership and property investment. Understanding what mortgages are, how they work and the different options available with their advantages and disadvantages is crucial for ensuring home ownership delivers on the dream rather than being a burden that crushes the ill-prepared.

    This book would make a great gift if you know someone starting out on their financial journey and in need of a road map.



    Eldernet Gazette

    Another Great Book To Win.....

    "Money Secrets 101": Book by Janet Xuccoa

    www.gra.co.nz/book/money-secrets-101  $30

    Janet Xuccoa BCom LLB  is the Trustee Services Director at  Gilligan Rowe + Associates.  She is also an author who is skilled at making financial matters easy to understand.  In "Money Secrets 101" she shows how we can improve our personal financial management and how we can install such money secrets to the younger people we care about.

    The main thing that makes Janet's work stand out is it is not based on pushing the taxation law to its limits but rather rational, considered and pragmatic thinking that looks at how you like to spend, your strengths and where you need to get expert advice.  By reading this book you will get a clearer understanding of these aspects of your life so you can manage, save and invest your money in a way that allows you to lead a good life.  

    There are dozens of doubters and hundreds of hopefuls in the world when it comes to thinking big about the future. Be the one that stands out from the many and get the knowledge, the skills and the mind-set that this book will teach you so that you actually succeed. You won't need any previous financial knowledge to see real value from this book. With plenty of clear examples and an every-day style, Janet makes it simple to understand how you can get control of your money - rather than your money controlling you - and how you can build the future you desire and deserve.

    This book will show you:

    + How to identify and capitalise on your money personality

    + Ways to get out of the debt trap and stay in the black

    + Practical systems for organising your money

    + Decision making tools to help you decide whether to rent or buy your own home

    + Tips to help you buy your own home in a way that increases your wealth

    + Methods to get the right mortgage for your personal circumstances

    + Questions to ask to avoid insurance traps

    + Lessons to teach your children and teenagers healthy money habits

    + Strategies to form a financial flight plan tailored to your personal needs

    + Techniques to build your wealth through cash, bonds, property and shares

    + Approaches to implement to achieve a successful, happy retirement

    + Tactics to deal with divorce and to move on

    + Golden Keys to use and manage your estate properly.

    To enter the draw to win a copy of this book CLICK HERE

    Competition closes 17th October 2014. Open To NZ residents only.





Hi Salesh, I just wanted to send you an email on behalf of GRA to say how fantastic we have found your company to date. As you know, Ben and I joined GRA a couple of months ago and have just found you so amazingly helpful in getting our new property set up correctly and sorted out. We have what I would consider a rather complicated structure as a result and it’s a fantastic feeling to know that we are getting everything done in the best way possible. We have just had approval to put a minor dwelling on the property which will make a massive difference in terms of cash flow and obviously value, something we would never have even thought of without GRA and which we are very excited about. During the buying process we attended a seminar with Matthew and from the outset thought he was fab. We therein signed up for property school and found this nothing short of fantastic. The content was relevant, up to date and comprehensive, but more importantly it was taught in a way that we could actually understand and really get value out of. I’ve copied Janet into this email as she provided us her email address in the first class, another example of how personable you are and lovely to deal with. I wanted to mention also, that everybody GRA have recommended to us has been just so efficient and absolute masters at what they do. A wonderful network of people that we feel very lucky to now be able to call on. From Kris Pederson and Bryan Rist who put our mortgage together to the insurance guys they then referred us to, I’m super impressed. Within GRA, Ellery has probably turned things around for us faster than I’ve ever known before, something which we appreciated so very much when it came to crunch time. She’s always a pleasure to deal with and again, we’re stoked. We’ve just settled on the property today and are about to go and get the keys. I’m pretty pumped and hence this email is probably rather excitable. So, a massive thank you to you Salesh, the partners for such a fabulous 6 weeks at property school and everyone at GRA for their help. May this be the start of our property empire. Thanks again,
A & B

NEW ZEALAND TAX CALCULATOR

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