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Type: Posts; User: Wayne

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  1. Replies
    17
    Views
    679

    But you want the LTC to borrow 100% to buy the...

    But you want the LTC to borrow 100% to buy the rental off you?
    Under the old LAQC this was done all the time and I thought (and Ross indicated) that it would be the same for a LTC.
    But LTCs are...
  2. Replies
    2,214
    Views
    166,569

    Such an un-PC person you are. I'm not brave...

    Such an un-PC person you are.
    I'm not brave enough to write down my 1st thoughts on the possible answer to the question.
    I am sure I wouldn't get a job based on my answer though.
  3. Replies
    13
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    981

    While there is no compunction for anyone to give...

    While there is no compunction for anyone to give away anything I suspect what Wallace was really on about was the need to develop a caring environment.
    I would rather live in a society where people...
  4. Replies
    13
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    981

    You are sounding old Donna. I think every...

    You are sounding old Donna.
    I think every generation says the same.
  5. Replies
    5
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    516

    I'd be happy to - PM me when you have the...

    I'd be happy to - PM me when you have the questions
  6. I think that is the bach not the house - there...

    I think that is the bach not the house - there was a bach on the property also.
  7. Replies
    17
    Views
    679

    So the pro problem is more one of 'fair value' of...

    So the pro problem is more one of 'fair value' of the property on transfer.

    Have a look again at what Ross said here



    I would have thought that if you had a registered independant valuation...
  8. they get waht they are owed including expenses -...

    they get waht they are owed including expenses - the owner gets any left over.
  9. Replies
    30
    Views
    1,398

    Not sure how you making huge capital gains helps...

    Not sure how you making huge capital gains helps the county?
    Making so ordinary people can't afford a place doesn't really do NZ Inc any good.

    PS - you have me confused with someone else?
  10. Replies
    30
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    1,398

    Tulip - you need glasses. At least ones less...

    Tulip - you need glasses.
    At least ones less rose tinted.
    Other PMs and the like have also worked hard for NZ - they have just not trumpeted as much as JK (he certainly likes the limelight).
    If...
  11. Replies
    30
    Views
    1,398

    No he isn't - he knows how to create a...

    No he isn't - he knows how to create a distraction.
    So we decide which flag to change to THEN decide if we want to change?

    I'd rather concentrate on getting food on peoples tables and other...
  12. Replies
    35
    Views
    1,297

    Since they didn't have glass back then I doubt...

    Since they didn't have glass back then I doubt that had glaziers.
    Or did you mean 'glacier'?
    What a difference 1 letter makes :roll:
  13. Thread: Rental returns?

    by Wayne
    Replies
    15
    Views
    674

    Thank you for confirming that Gary.

    Thank you for confirming that Gary.
  14. Thread: Rental returns?

    by Wayne
    Replies
    15
    Views
    674

    I wouldn't! Mostly areas with prices that low...

    I wouldn't!
    Mostly areas with prices that low have low capital growth and the rates, insurance etc are a large % of income.
    Maintenance costs can blow you out of the water - costs the same to...
  15. Thread: Rental returns?

    by Wayne
    Replies
    15
    Views
    674

    Let's say house is $80k @ 5% interest is $4k...

    Let's say house is $80k
    @ 5% interest is $4k
    Rates $2k
    Insurance $900
    Mtce $1000
    Total costs $7900 or $152/week
    No money in it!
  16. Thread: Te Rapa

    by Wayne
    Replies
    7
    Views
    490

    Hamilton North is popular because of the new...

    Hamilton North is popular because of the new land/ new house.
    Te Rapa doesn't have 'new land' so how is it going to be the new 'Hamilton Noth'?
  17. Because they wanted their money back. Their...

    Because they wanted their money back.
    Their right in a mortgagee sale.
    The reserve is the minimum it will sell for - they can and do sell higher.
    As was said above - the reserve doesn't set the...
  18. Replies
    19
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    972

    Income might do it? Or lack thereof.

    Income might do it?
    Or lack thereof.
  19. Replies
    81
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    4,270

    These sorts of things always end up illusionary.

    These sorts of things always end up illusionary.
  20. I was told on good authority that there was...

    I was told on good authority that there was another 18 months to 2 years to go?
  21. Thread: Dairy Woes

    by Wayne
    Replies
    52
    Views
    1,968

    It all sounds more serious than 'smile and wave'...

    It all sounds more serious than 'smile and wave' assertion that dairy is only 5% of the economy so no biggy.
    Once you start driving land prices down all farm loans are at risk as the security...
  22. Replies
    81
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    4,270

    http://www.stuff.co.nz/national/politics/70605894/...

    http://www.stuff.co.nz/national/politics/70605894/john-key-says-nzs-drug-bill-set-to-rise-under-tpp-but-patients-protected


    Will he guarentee that?
    So the softening up begins.
  23. Thread: Interest Rates

    by Wayne
    Replies
    3,879
    Views
    451,916

    Makes more sense now. IMHO fixing for 6 months...

    Makes more sense now.
    IMHO fixing for 6 months is floating at a cheaper rate with a short lag.
  24. Thread: Interest Rates

    by Wayne
    Replies
    3,879
    Views
    451,916

    Judge - why fix longer than 6 months then? Or...

    Judge - why fix longer than 6 months then?
    Or maybe you are - if that was the case then you wouldn't have to break.
  25. They were all asked to by the RB.

    They were all asked to by the RB.
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