The realignment

Be worried if you are not producing goods a services

Gerald Mullaney

10 August 2026

New Zealand has been at the cross roads for 32 years pandering to the losers and ignoring the winners.

The good news is, that, that period is over and expect earth shattering changes in govt policy that rewards effort and smart work.

The development of business and infrasture that builds cashflow in the economy.

As the govt clears the way of 32 years of rubble and stale thinkring and new area will come upon NEW ZEALAND.

A new dawn will appear like a transformation.

People that produce goods a services into the economy will once again be rewarded.

The move to reward $uce$$ is under way and poppy lopping will be a thing of the past.

People who develop goods and service and add to the economy will be rewarded.

Gone will be the days of failed stale thinking and rewards.

Welcome to the new alignment.

join the movement, as the gutter will be a long cold wet night for stale thinkrs.

Rents will skyrocket as immigration is expanded, that will bankrupt most.

If one does not own their own house life may become impossible.

A home that brings peace and security can be secured but only if you going to get off the couch and produce goods and services into the economy.

Some people have sadly forgotten their purpose and that purpose is to serve others as that is how one get$ PAID.

The question is the grim reaper is coming what action will one take to avoid the consequence's of his majesty the grim reaper.

Staying alert to Opportunites

Snooze you lose

Gerald Mullaney

26 July 2025

There is no future in set and forget say alert daily and watch trends no one is coming to save you, get educated on matters of OCR, SWAP RATES and keep an eye out on trends and announcements.

Thinkr has stated in previous blogs were rates are headed therefore its thinkr view to be alert to a great rate when it appears which may be by March 2026.

The lows in the one to five year rates will hit a low for only a very short time from one week to six months.

If you see a very hot rate that suits your financial goals then you grab it.

The one point thinkr is very concerned about is inflation therefore thinkr view is inflation in the short term trends down and once interest rates hit the low inflation will begin to rise again, therefore thinkr view is to lock at the low on a term that is suitable to ones financial goals.

Keep in mind that the last peak in inflation was 2021 four year ago which caused the floating rate to hit 7.50%.

The point thinkr is making is that if inflation does spike in 2026 it could take another four years to get inflation back under control.

Therefore think favor's a fix for four to five years at the low to avoid the coming high interest rates that could spike from 2027.

Fixing long term at the low is a kind of safe harbour away from financial destruction.

Thinkr favor's security, stability and assurity. causing the ability to hold on to assets and thus cash flow and avoid any incoming storms.

No resting, one cash rest when one dies.