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Type: Posts; User: graemeh

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  1. Replies
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    6,903

    Just treat them like any other tenant, run the...

    Just treat them like any other tenant, run the checks and add them to the tenancy.

    It gives you one more target if there are any problems in the future.
  2. Replies
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    4,289

    Check the accounts to see if they have been...

    Check the accounts to see if they have been setting aside money for long term maintenance. Things like painting, replacing roof, replacing windows, resealing driveway etc.
  3. Replies
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    3,990

    That just seems plain wrong as you haven't lost...

    That just seems plain wrong as you haven't lost that money.

    I'd expect the losses you claim would be the transaction costs (stamp duty, lawyers etc) on the transactions and the exchange rate...
  4. Replies
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    5,313

    The 3 months wage receipts assumes that she has...

    The 3 months wage receipts assumes that she has been in continuous employment so they are unlikely to accept them. There is also the problem that she is a shareholder employee.

    You need to find a...
  5. Was that your cleaner I saw in the park on...

    Was that your cleaner I saw in the park on Wednesday? He was dumping big black rubbish bags and had a back pocket full of WCC official bags.

    I wonder what the exchange rate between WCC bags and...
  6. Replies
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    5,532

    I prefer the auction method. It's the same first...

    I prefer the auction method. It's the same first step as you have listed but then step 2 is get the vendors really excited leading up to the auction and then crush them when it doesn't sell.

    Some...
  7. Replies
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    3,930

    That's right but you've left out the part of my...

    That's right but you've left out the part of my post which says I would install in some circumstances.
  8. If I was you I wouldn't bother moving (due to the...

    If I was you I wouldn't bother moving (due to the cost) as with 50% LVR there is not a high risk.

    I would place any new loans with other banks though.
  9. Replies
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    3,930

    They are horrible things, I hate them and would...

    They are horrible things, I hate them and would never rent a property with them installed.

    This doesn't mean I wouldn't install one myself if I had a problem bathroom though.
  10. Sounds like an excuse for a ski trip. Does the...

    Sounds like an excuse for a ski trip.

    Does the NZPIF have a discounted option for those that only need some paperwork to show they "attended" the conference ;)
  11. Replies
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    11,039

    The best product I have ever seen is called...

    The best product I have ever seen is called Fizzion, I buy it from a seller on ebay. You mix it with water and spray it on the stain. It is magic stuff.
  12. Replies
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    3,268

    Well you could issue 67 more shares to the trust...

    Well you could issue 67 more shares to the trust but I really doubt that it is worth the paperwork to reduce the shareholding from 3.04% to 1%.

    The trust would have to pay for the new shares and...
  13. Replies
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    6,549

    It won't work, Kiwis are too lazy to go up to the...

    It won't work, Kiwis are too lazy to go up to the elevated spaces and the shops will die. People will take the most direct route and that habit will be hard to break.
  14. It won't be cost effective for them to attempt to...

    It won't be cost effective for them to attempt to get the money out of you while you're in Singapore. They generally don't even pursue people to Australia.
  15. Driz, which country do you live in? If you do...

    Driz, which country do you live in? If you do not live in NZ then if I was you I'd probably just refuse to settle and lose my deposit, apart from that there is not much can be done to you.

    If you...
  16. Replies
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    25,269

    Now that's a "secret" I can do without!

    Now that's a "secret" I can do without!
  17. Replies
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    7,599

    So sell the inherited tractor for $25k and buy a...

    So sell the inherited tractor for $25k and buy a new one for $20k.

    You will have $5k cash in your pocket and be able to claim depreciation on the new tractor.
  18. Thread: Interest Rates

    by graemeh
    Replies
    5,795
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    925,642

    I know they will take .5 off the 6.24% floating...

    I know they will take .5 off the 6.24% floating rate if you ask. I doubt they'd move much off the 5.6% floating rate as it is pretty competitive.
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    20,123

    Don't forget artificial (or natural) constraints...

    Don't forget artificial (or natural) constraints on growth around city boundaries. In Wellington we are hemmed in by the hills, other cities have council policies that achieve the same result.
  20. Replies
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    $0 with NZ Home Loans (and we have 7 of them). ...

    $0 with NZ Home Loans (and we have 7 of them).

    No transaction charges either.
  21. Replies
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    I thought that the plan had a list of things...

    I thought that the plan had a list of things which were "permitted" activities, so you didn't need a resource consent.

    I guess while that is the theory they manipulate the plan so that pretty much...
  22. Replies
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    348,830

    Isn't this exactly what district plans are for? ...

    Isn't this exactly what district plans are for? Councils are saying they want a greater population density in a given area so they dream up these rules.

    Nobody forced the developer to go ahead...
  23. Replies
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    No it won't. The credit check will show who else...

    No it won't. The credit check will show who else has been doing credit checks on you along with any defaults/debt collection type activity.
  24. I'm not sure we are on the same page. You don't...

    I'm not sure we are on the same page. You don't have to refinance to start claiming the interest.

    I was thinking of the situation in say 10 years when the property is worth $500k more than you...
  25. When you start using it as a rental do you expect...

    When you start using it as a rental do you expect to be making a profit from the start (or soon after starting)?

    Do you want to be able to refinance (and have the interest tax deductible) in...
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