Recent content by Ian

BNZ reduction of fixed rate may encourage others to also reduce their rate and it may be a good time to lock it in as you are sure but on a rate higher than now, refinancing may be a good option as long as the savings exceed the fee.

Gross salary refers to the total amount of money you earn before deductions are made to it - this entails basic salary and all allowances, bonuses, incentives and overtime (excluding contributions made on your behalf by your employer).

Easy to use The FreshBooks is a simple application and best suited to those who need invoicing and tracking of their expenses with a small scale of the business. However, as your business expands, you will find that the functionality (bank syncing and reporting) is rather limited.