Debbie Mayo-Smith talks pain and gain for a remarkable elevator pitch.

Central banks in the Euro zone - Sweden, Japan, Denmark and Switzerland - now have negative interest rates on the money deposited with them by banks.

Advantage of falling interest will be offset by higher entry prices, writes Mary Holm.

Takeovers by cashed-up buyers mean less choice for KiwiSavers, Brian Gaynor.

I was waspish when MP Nikki Kaye first stirred the pot on the contentious issues of body corporate governance, writes Fran O'Sullivan.

Every year some find they can't get the 'universal' retirement pension, writes Diana Clement.

Economists are divided, but on balance, wait and see looks like the Reserve Bank's best strategy for interest rates, writes Brian Fallow.

NZ bloggers are trailing the US, Britain and Australia when it comes to commercially capitalising on their profiles.

I'd rather have the added security of Device Protection than not, but Google... did you have to make it this clumsy and non-obvious to use?

While the risk of a depression always exists, we should not fear recessions like our grandparents did, writes Mike Taylor.

Small business editor Caitlin Sykes talks to business owner Jordan Rondel about Instagram.

So why do I suggest we let tired people nap on the job? Not only parents of young children, but now also the rest of society is sleep-deprived, writes Robyn Pearce.

Last week's telco talkfest that all the major providers, Spark, Vodafone, Chorus, Kordia, 2 Degrees, Vector, Vocus and others was

One marketing strategy you might want to consider trying is what I call a 'Rolls Royce Marketing Strategy', writes Graham McGregor.

Small business editor Caitlin Sykes talks to business owner Melanie Holt about home delivery by subscription.

New Zealand's economy remains relatively robust, but it feels as if the stakes have risen sharply in the past few weeks, writes Liam Dann.

It's the lost decade - the 10 years in which the Australian share market has moved sideways, writes Christopher Niesche.

Kiwi pension policy is unusual in developed world, writes Mary Holm.

Travel can be surprisingly cheap but don't skimp on medical cover, writes Diana Clement.

Tom Hartmann talks about how partnering up creates wealth.

It is time for the industry and the politicians to take off their rose-tinted glasses and do some hard-thinking about our major goods export industry, writes Fran O'Sullivan.

Bond markets are spooked, credit risk is on the rise and banks stocks are being sold, writes Liam Dann.

We could see those increasing credit spreads eventually find their way to our shores in the form of higher rates, writes Mark Lister.

One thing's for sure, the "Internet of Things" will be a security disaster this and coming years, writes Juha Saarinen.

Even the world's smartest person will need fuel to keep making good money decisions

What is your marketing focus for the start of 2016?

Ben is a mid-level manager with a team of four, all relatively new in their positions.