http://www.chaperon.co.nz/blog/ The latest Blog feeds from www.chaperon.co.nz en-us Wed, 15 Apr 2026 10:21:34 +1200 Rocketspark http://www.chaperon.co.nz/blog/post/104481/chaperon-in-the-news-latest-read-on-bank-data/ https://www.stuff.co.nz/business/300876678/mixed-bag-in-latest-bank-numbers--the-strain-on-household-budgets-is-showing--but-term-deposits-are-also-soaring ... Sun, 14 May 2023 14:24:54 +1200 http://www.chaperon.co.nz/blog/#post104481 http://www.chaperon.co.nz/blog/post/103031/chaperon-in-the-news-commenting-on-february-bank-stats/ https://www.stuff.co.nz/business/300848617/money-by-the-numbers--the-devils-in-the-data... Sun, 09 Apr 2023 18:49:05 +1200 http://www.chaperon.co.nz/blog/#post103031 http://www.chaperon.co.nz/blog/post/102318/chaperon-in-the-news-global-ructions-highlight-importance-of-managing-risks/ https://www.stuff.co.nz/opinion/300838851/global-banking-crisis-we-wont-escape-the-fallout... Sun, 26 Mar 2023 07:27:04 +1300 http://www.chaperon.co.nz/blog/#post102318 http://www.chaperon.co.nz/blog/post/101605/chaperon-in-the-news-do-not-forget-about-business-if-we-are-going-to-have-an-inquiry-into-banks/ https://www.stuff.co.nz/business/opinion-analysis/131441086/where-the-focus-of-a-banking-inquiry-really-needs-to-go... Thu, 09 Mar 2023 20:00:04 +1300 http://www.chaperon.co.nz/blog/#post101605 http://www.chaperon.co.nz/blog/post/100431/is-housing-the-golden-goose-no-longer-laying-golden-eggs/ Housing has been a great investment.House prices in Auckland have increased by 8.1% per year on average since 1992, according to the Real Estate Institute. House prices across New Zealand have increased by 7.3% and ex Auckland by 6.8%. Some pundits remain all goosed up expecting the same going forward.Housing wealth, net of debt, has soared 500% since 1998. Over that same period, net financial wealth from non-housing assets increased 226%.The divergence is not so stark if you look at the past de... Wed, 17 Aug 2022 00:00:00 +1200 http://www.chaperon.co.nz/blog/#post100431 http://www.chaperon.co.nz/blog/post/100430/fleet-footed-profitability/ For many businesses cashflow will be tight in the coming months as consumers and other businesses spend less due to the combination of:higher interest rates,Impact of Ukraine war on freight, fuel etcsupply constraints – gib, steel, timber etcinflation  – commodities eg copper, council rates, insurance, food pricesa tight labour market – young people heading offshorestressed developers / contractors and their businesses failing, andOmicron’s impact on foot-traffic count =  lower... Wed, 08 Jun 2022 00:00:00 +1200 http://www.chaperon.co.nz/blog/#post100430 http://www.chaperon.co.nz/blog/post/100429/working-capital-and-liquidity--are-you-under-stress/ One size does not fit all when it comes to necessary working capital needs, but the basics are simple.  Every business needs liquidity.  Working capital defines short-term access to cash and liquidity.  Think of it as a buffer zone as to what you have access too, versus what need to pay for.The working capital of a business is calculated as the Current Assets minus the Current Liabilities.Current Assets = the sum of Cash in the Bank, Debtors, Stock, WIP, and PrepaymentsCurrent Lia... Wed, 06 Apr 2022 00:00:00 +1200 http://www.chaperon.co.nz/blog/#post100429