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Type: Posts; User: Wayne

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  1. Replies
    24
    Views
    2,256

    If you want a loan how could you not be...

    If you want a loan how could you not be leveraging (unless you had the same amount in the bank)?
  2. This is my approach with the kids. At some stage...

    This is my approach with the kids.
    At some stage they will want some money but they have to prove they are ready for it and they know not to expect it.
  3. Replies
    16
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    820

    I don't think he cares - not unless his pollsters...

    I don't think he cares - not unless his pollsters say he should care.

    As for the risk difference another perspective is
    - if you have a finger in the fire you may get burnt
    - if you have a hand...
  4. Replies
    11
    Views
    423

    How many outlets? Filters are $70-$100 depending...

    How many outlets?
    Filters are $70-$100 depending on where you get them.
  5. Bath move isn't a problem. Just do as John...

    Bath move isn't a problem.
    Just do as John suggests - apply for a BC as if it is new work and go from there.
  6. Interesting - I thought I had read somewhere that...

    Interesting - I thought I had read somewhere that he didn't have kids also.
    Don't trust the media I suppose - or maybe don't trust what you thought you read.
  7. Thread: Rent arrears

    by Wayne
    Replies
    23
    Views
    886

    You should always ask for the maximum bond.

    You should always ask for the maximum bond.
  8. Banks are playing nice with the RBNZ - they don't...

    Banks are playing nice with the RBNZ - they don't like more regulation.
  9. Exceeding the speed limit isn't legal. The law...

    Exceeding the speed limit isn't legal.
    The law does not say the speed limit is 100kph but 105 is OK.
    The 5k buffer is to allow for minor infractions and variability of speedos etc.
    But 101kph is...
  10. I do wonder how a bank is supposed to act, given...

    I do wonder how a bank is supposed to act, given that they are now required to categorise properties as Inestment or Private, if they find the use has changed.
    I wonder what the requirements are on...
  11. That will depend on how they perceive the risk.

    That will depend on how they perceive the risk.
  12. Thread: Interest Rates

    by Wayne
    Replies
    4,801
    Views
    654,329

    A cut will happen...

    A cut will happen
    http://www.stuff.co.nz/business/82323300/interest-rate-cuts-likely-as-the-reserve-bank-warns-dollar-needs-to-drop
  13. Replies
    11
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    423

    Heat transfer only works if you have a BIG heat...

    Heat transfer only works if you have a BIG heat source to transfer from - a heat pump doesn't qualify unless it is WELL overrated for where it is .

    Just make sure they use sound insulated ducts...
  14. Thread: Interest Rates

    by Wayne
    Replies
    4,801
    Views
    654,329

    You are right - they don't. None of them do,...

    You are right - they don't.
    None of them do, they pass on some of it and increase their margin with the rest.
    Westpac certainly does seem to be the slowest.

    As for the 60% bit - they weren't...
  15. Replies
    11
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    423

    Seems HRV are always pushy from what I have read....

    Seems HRV are always pushy from what I have read.
    Heating units are expensive to run! They are also small for the quantity of air flowing.
    With most units you can set them to turn the fan off when...
  16. Thread: Interest Rates

    by Wayne
    Replies
    4,801
    Views
    654,329

    You may well be right - they do seem tardy. But...

    You may well be right - they do seem tardy.
    But what terms should they be passing on any cut to - floating , 6mth, 1yr, 2yr?
    How do you see this should work?
  17. Replies
    24
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    2,256

    From a bank - yes.

    From a bank - yes.
  18. Replies
    21
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    613

    Do you have a link to what you are installing? I...

    Do you have a link to what you are installing?
    I gather they are powered so you'd need power somewhere handy.
  19. Thread: Interest Rates

    by Wayne
    Replies
    4,801
    Views
    654,329

    They may have been 1st but it would seem only by...

    They may have been 1st but it would seem only by hours.
  20. Evil towards others - not necessarily to your own...

    Evil towards others - not necessarily to your own though.
  21. Replies
    4,568
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    635,006

    Fortunately Davo quoted it so the rest of us can...

    Fortunately Davo quoted it so the rest of us can keep up.
  22. Replies
    24
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    2,256

    The banks use 70% to allow for rates, insurance,...

    The banks use 70% to allow for rates, insurance, loss of rent etc.
    One way to show income is to turn commercial - then you show the true position of the books and if your accounts stack up then they...
  23. I don't give a second thought to splashing out on...

    I don't give a second thought to splashing out on my holidays.
    The kids have been told we will spend what we have.
    We worked for it - why shouldn't we spend it.

    But I brought my kids an...
  24. Equity release loans are special. Taking a...

    Equity release loans are special.
    Taking a normal mortgage generally means you pay them monthly.
    Equity release the payments are added to the loan.
    Also, normal mortgage you get a lump (though...
  25. That is the key it seems - a mortgage free home!...

    That is the key it seems - a mortgage free home!
    Equity release loans for oldies is an interesting and new (to us) area and I'm not comfortable with what is on offer.

    40% rent and it will be...
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