The Prosperity Project

Buying or selling a house is a complicated and often confusing process that real estate agents are smack in the middle of, and stand to benefit from.
So what should we share when dealing with an agent, and what should we keep close to our chest?
Barfoot & Thompson real estate agent Ryan Harding joins Nadine Higgins to explain what you need to consider as a vendor or a buyer, the things agents are obligated to disclose, whether commissions are negotiable, how to spot an inflated appraisal and which sales method could get the best result.
He also reveals why conditional buyers may need to pay more, what really happens when an auction passes in, and which buyers won't reap the rewards of a 'buyer's market.'
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Moving into a retirement village can offer community, convenience and freedom from maintaining a family home — but the financial arrangement is very different from buying property.
Anthony Harper law firm partner Jenny Baldwin explains occupation right agreements, ongoing fees, capital gains, deferred management fees, exit delays and the potential cost of moving into aged care. Plus, what residents and their families should check before signing anything.
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Are you raising a child who thinks money just appears?
From pocket money and piggy banks to KiwiSaver, first jobs and the temptation to bail them out, the lessons start much earlier than many parents realise. So, should chores earn cash? When should children start investing? And when is it better to let them make a mistake?
Hayden Mulholland from Become Wealth joins Nadine on The Prosperity Project to explain how to raise kids who actually understand money.
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Buying your first home can feel impossible, but you may be closer than you think.
Mortgage adviser Michelle Isemonger joins Nadine Higgins to explain how to prepare before applying for finance, what banks are looking for and whether you really need a 20% deposit.
They also cover pre-approval, KiwiSaver, auctions, insurance, buying with friends, credit card limits and the common mistakes that can derail a mortgage application.
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The OCR has risen, but does that automatically mean your mortgage rate will rise with it?
Economist and commentator Bernard Hickey explains what really drives fixed mortgage rates, why New Zealand’s banks remain exceptionally profitable, and whether the Reserve Bank has moved too soon while the economy remains weak.
He also decodes the jargon surrounding monetary policy — including hawks, doves, neutral rates, LVRs and DTIs — and considers whether New Zealand can build a functioning economy without relying on house prices to keep climbing.
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