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Possibly true although I've never had that problem. Heat transfer systems operate by circulating (blowing through a duct) warm air to cooler rooms. The cooler air is pushed back gently to the warm...

Yes she is very good and you'll see rhythmic gymnasts here in NZ doing similar routines. My own daughters (artistic gymnasts) who idolise Olga Korbut and Nadia Comaneci were approaching those...

Hi Davo

I haven't bankrupted anyone for years, mostly because debtors tend to be empty vessels and clients get sick of throwing good money after bad. I'd suggest you put $3000 aside. The filing...

A variety of opinions which illustrates what I am about to say. HRV is often a waste of time but NZ has widely differing climates plus every house is unique. So an HRV system can work well in some...

Well I didn't want to get into how the Family Court works but perhaps it will help in a general sense. In emergency (urgent) cases a person can make an ex parte application for Orders which requires...

Just to add to that. The video also says that bank issued debt has gone beyond the control of governments with which I have to agree. Despite the rules, regulations, and controls banks have expanded...

I'm no expert but it doesn't necessarily follow that the ratio would increase. Any lender even a mafia type would need to hold reserves. However if you mean has the total amount of debt/money...

Its an idea worth exploring. Currently our govt whether National or Labour intends to spend billions on Auckland infrastructure and new housing when there are empty roads and houses elsewhere in New...

The videos give the impression that banks are money making machines without limit. If this were so then we wouldn't see banks collapsing because they'd generate far more than they could ever lose. It...

And therein lies the glaring omission of this treatise which is otherwise very good at explaining how banking works.

It is correct that there is no "reserve" imposed by our Reserve Bank or the UK...

Something like 8.3. But reserve ratios and fractional banking are complex ideas which I cheerfully admit struggling to get my head around.

The video linked to by McDuck is the first of 6 in an...

I haven't yet watched the following videos but I bet they deal with fractional banking and the (erroneous) assumption that banks lend 8x deposits.

Thanks for the update DIY. I must say I'm coming around to your point of view. You have left info for the ex to contact you - but he hasn't. The obligation to pay rent is not changed by the Court and...

Interesting question. Without knowing a lot more its difficult to say. Possibly your bank manager, your accountant, and each real estate agent you deal with could also learn your strategy.

Its...

Fair enough - the ex might be a good liar and gained a temporary advantage over her.

You say she is a good tenant yet is two weeks in arrears?

Incidentally nobody has stated this man is the...

There isn't a new law or a new situation. The "replacement" tenant cannot have more rights and obligations than the original tenant - so is bound by 90 day notices, notices of default etc. The bond...

The OP's problem could be explained by the Family Court regarding the ex-partner as a lawful successor in title to the actual tenant, given that the property is the family home for the children....

Residential Tenancies Act - Section 2 - Interpretation

tenant, in relation to any residential premises that are the subject of a tenancy agreement, means the grantee of a tenancy of the premises...

Yes they do have legal grounds. Its called a contract for a reason. Your (understandable) wish to break the contract is illegal in the civil law sense. Ie. no crime is committed but you are breaching...

It's pleasant to dream but distracting too because each of us are best fulfilled by living the life we have been dealt.

Winning a lottery is literally a one in one million chance. In real life...

A few years ago I suggested to the Law Society that the standard Agreement for Sale and Purchase be amended to include a condition that the Vendor would remove all rubbish. I also suggested the...

Ah - fair comment, my apologies. What I meant was that it isn't a matter of telling a lawyer to harden up. When faced with an intractable vendor as the OP appears to be, then the purchasers lawyer...

I have seen the OP's situation many many times in practise. What tends to happen where reasonable people are involved is that a small sum of money is withheld by the purchasers solicitor in trust...

Sorry TLL but it doesn't work like that. The OPs lawyer is correct. The buyer is contracted to settle (pay in full) for the property on the date of possession. Not pay a bit less, not hold onto some...

Do you have a source for these studies please?