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Type: Posts; User: Eugene

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  1. Replies
    442
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    27,709

    Agree .

    Agree .
  2. Replies
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    Like .

    Like .
  3. Replies
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    844

    I have a granny flat that I did some stuff to,...

    I have a granny flat that I did some stuff to, all non-structural and thus didn't need to go through council but which properly separated the flat so that it could be let separately.

    I told the...
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    844

    Make a full disclosure of your intentions to the...

    Make a full disclosure of your intentions to the insurance company now and see what they say,
  5. Replies
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    844

    Yes agree, insurance is the main thing to worry...

    Yes agree, insurance is the main thing to worry about.
  6. Replies
    22
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    844

    Will you advertise the garage as a living space?...

    Will you advertise the garage as a living space?
    I mean, what people do with a space is up to them - and you are certainly making it comfortable
  7. Replies
    442
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    27,709

    SkyCity drops bid for taxpayer top-up Nice ...

    SkyCity drops bid for taxpayer top-up

    Nice
    ...
  8. Replies
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    844

    As long as not structural you can do it. I have...

    As long as not structural you can do it.
    I have added walls several times.
    There are rules re windows and ventilation if used as a bedroom.
  9. Replies
    24
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    1,206

    An order was made to pay compensation when...

    An order was made to pay compensation when earthquake-strengthening work that was supposed to last "a couple of days" continued on and off for six months.
    Work was in same dwelling...
  10. For those of us of a certain age and with long...

    For those of us of a certain age and with long memories:

    What does it say to all the small shareholders and little investors who have been cleaned out by the greed of Active Equities, Brierley...
  11. Replies
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    27,709

    Ok here's another prediction, NZ's reputation as...

    Ok here's another prediction, NZ's reputation as second-least corrupt country will slip.

    The procurement process for the Auckland centre was a farce and as close to corruption as we ever see in...
  12. No they don't earn their money, not selling your...

    No they don't earn their money, not selling your particular house anyway, most of their time is spent trying to get listings.
    You could negotiate. In Wellington even some agents from big agencies...
  13. Thread: Interest Rates

    by Eugene
    Replies
    3,242
    Views
    369,814

    It depends on your risk profile Isn't it better...

    It depends on your risk profile
    Isn't it better investing to be risk averse? - taking longer rates manages risk
    I am pretty sure research on the most successful financial investors shows they are...
  14. Thread: Interest Rates

    by Eugene
    Replies
    3,242
    Views
    369,814

    This one only 700k but total with this bank over...

    This one only 700k but total with this bank over 3m.

    Only buying since 2010. Wellington prices have done... exactly nothing. Sideways for the past eight years, not even with a dip ( don't count a...
  15. Thread: Interest Rates

    by Eugene
    Replies
    3,242
    Views
    369,814

    Hey Damap, thanks, I almost lost the power of...

    Hey Damap, thanks, I almost lost the power of rational thought there
  16. Thread: Interest Rates

    by Eugene
    Replies
    3,242
    Views
    369,814

    Does anyone else feel a bit crap posting rates...

    Does anyone else feel a bit crap posting rates they are offered?

    I mean hey they are only banks and not loyal to anyone except themselves, they aren't individuals. The bankers change jobs, move...
  17. Thread: Interest Rates

    by Eugene
    Replies
    3,242
    Views
    369,814

    We are high equity baby boomers who still have...

    We are high equity baby boomers who still have one outside income, I think that helps.
    But just saying, just sharing what's out there, trying to give something back.
  18. Thread: Interest Rates

    by Eugene
    Replies
    3,242
    Views
    369,814

    Thanks Wayne, great thread, not sure how I missed...

    Thanks Wayne, great thread, not sure how I missed it
    I think Anthonyacat nailed it - Nexus
  19. Thread: Interest Rates

    by Eugene
    Replies
    3,242
    Views
    369,814

    ANZ ASB were also sharp two weeks ago If I...

    ANZ
    ASB were also sharp two weeks ago

    If I change banks I can get cash back, 5k per 7000k. Only the broker says banks are starting to get wise about churning and might not take customers back who...
  20. Thread: Interest Rates

    by Eugene
    Replies
    3,242
    Views
    369,814

    5.05 one year 5.23 two years

    5.05 one year
    5.23 two years
  21. If you borrow overseas and currency movements...

    If you borrow overseas and currency movements result in a gain, you pay tax under NZ law. I know this from a friend but not how it works - accrual rules perhaps. He is living in NZ and has a UK loan...
  22. Replies
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    Personally I wouldn't use Leaders as while some...

    Personally I wouldn't use Leaders as while some individuals are good, their model is rent-a-desk and there is little sharing of listings or professional standards.
  23. Replies
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    Very funny. Must try it some time

    Very funny. Must try it some time
  24. Thread: Interest Rates

    by Eugene
    Replies
    3,242
    Views
    369,814

    1 year 5.11% 18 months ...

    1 year 5.11%
    18 months 5.20%
    2 years 5.26%
    3 years 5.49%

    Cash contribution $5,000

    700 k loan from memory

    Offer made about a...
  25. Replies
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    Can you withhold some of the payment? We had...

    Can you withhold some of the payment?
    We had this happen to us once, a neighbour informed the purchaser's lawyer that there had been a dispute over a retaining wall. Our solicitor did all the...
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