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The scheme works by the government providing an interest-free loan on a house of between 5 to 30% cent of its value therefore reducing the amount of the mortgage an eligible household takes.

Have you ever seen a bank, insurance company, finance company or financial institution advertising their credit rating? Given the huge amount of information and all the different types of ratings, it's hardly surprising many people are confused about what they actually mean. With the recent failure of several finance companies it's important to get an understanding of how ratings work.

KiwiSaver has been hot on the press with mixed media hype leaving us all in contemplation of whether or not to join the scheme. Others have decided to ignore it all together. Whatever your choice - KiwiSaver is here. So why not take advantage of it?