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Type: Posts; User: andyp2010

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  1. Replies
    116
    Views
    25,888

    Because you're not seeing the other side. Where a...

    Because you're not seeing the other side. Where a kiwi can go to a host of foreign countries and buy property and do the same as this example. Other countries may retaliate if we shut their buyers...
  2. Replies
    74
    Views
    14,482

    The risk is that you don't get paid back what...

    The risk is that you don't get paid back what you've lent out.

    The nice thing is though, an algorithm tells you what their chances of defaulting are, and in a stable market, it's pretty accurate....
  3. Replies
    74
    Views
    14,482

    Yeah, even basing it as a return on equity it...

    Yeah, even basing it as a return on equity it doesn't make much sense. My equity has gone through the roof in the last 5 years and rents have dropped a bit. Based on my other investments, I'd make...
  4. Replies
    74
    Views
    14,482

    Recently I looked at my portfolio and thought 'If...

    Recently I looked at my portfolio and thought 'If I were offered this investment now at it's current value and yield, would I buy it?'. My answer was no, therefore I'm looking at selling.
    ...
  5. Replies
    17
    Views
    2,619

    elliot, I'm thinking along the same lines, very...

    elliot, I'm thinking along the same lines, very similar situation. I'm looking at mixing Anthony's suggestion of index funds with p2p lending. I'd also like a 3rd arm to my investments but haven't...
  6. Replies
    14
    Views
    1,948

    Reasonably new. Have a look at minor dwellings in...

    Reasonably new. Have a look at minor dwellings in the district plan and proposed district plan.
  7. Replies
    14
    Views
    1,948

    As far as I've seen on the tiny house fb pages,...

    As far as I've seen on the tiny house fb pages, it's one big grey area everywhere in NZ. No one really knows, it's not been tested legally, councils don't know which way to go.
  8. Replies
    14
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    1,948

    I asked Christchurch Council. I got 2 phone...

    I asked Christchurch Council. I got 2 phone calls. The first said it's a building which needs resource and building consent. The second was adamant it's a vehicle and doesn't come under their...
  9. Replies
    17
    Views
    2,232

    Who wouldnt want an additional bonus for their...

    Who wouldnt want an additional bonus for their tenants supplied for free? As long as they dont stick it on the fence you're sweet.
  10. Thread: New windows

    by andyp2010
    Replies
    16
    Views
    2,237

    PVC everyday. Much better insulator than alu,...

    PVC everyday. Much better insulator than alu, won't rot or degrade, at least in our lifetimes. Also cheaper than alu quotes I got. NKwindows.co.nz
  11. Replies
    38
    Views
    7,036

    Upvc is much much better. Metal is a thermal...

    Upvc is much much better. Metal is a thermal conductor (therefore conducts the cold), plastic is a thermal insulator.
  12. Replies
    5
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    852

    Could make it a lawn, just a little extra to mow....

    Could make it a lawn, just a little extra to mow. Could put ground cover plants down and use newspaper like a temporary weedmat. Weedmat encourages the worst of weeds to come through eventually,...
  13. Craig's right, a downturn can, and if you wait...

    Craig's right, a downturn can, and if you wait long enough, will eventually happen.

    What I've learned from chch's mini downturn of the last 2 years is that it's instant. There's no warning,...
  14. Replies
    6
    Views
    1,037

    What drugs? Having a joint? Popping a pill? If it...

    What drugs? Having a joint? Popping a pill? If it doesn't affect you or your property then do nothing. If it's meth then make sure you've got your insurance based ducks in a row.
  15. Replies
    5,795
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    926,388

    Yeah, I'll second that Anthony. I've got 4x house...

    Yeah, I'll second that Anthony. I've got 4x house insurance with $5k excesses and 1x third party car insurance. No need for a thing more. We can also live off passive income if both of us got into a...
  16. Yeah, thats just one fool. The upcoming...

    Yeah, thats just one fool.
    The upcoming generations on the whole will be smarter, faster, more efficient and switched on than any generation before.
    Its always been the way and always will be.
  17. I find it amusing that an older person is...

    I find it amusing that an older person is attempting to make sweeping generalisations about the younger generations and yet doesn't know how to use a computer properly.
  18. Replies
    5
    Views
    2,126

    As a room rental person in Christchurch - You...

    As a room rental person in Christchurch - You would never get people into a house here without a lounge, so I'd drop that idea. I lived in a place like that when I was back in Leeds - It might be...
  19. Replies
    17
    Views
    5,253

    With wood, i just ring up each one, get the prie...

    With wood, i just ring up each one, get the prie and then go to the more expensive one and get 15% off the lower price. It adds up to a lot.
    Usually get 10% off with the card
  20. Yeah, i reckon its compounded by the incentives...

    Yeah, i reckon its compounded by the incentives to build, creating even more supply in all these new subdivisions.
    Its ok though, hit my room rentals 2 years ago now, 20% drop at the time. Rents...
  21. Replies
    15
    Views
    3,374

    Insulation - get offcuts for somewhere between...

    Insulation - get offcuts for somewhere between free and $100 per house from many insulation installers. Installing it is messy and hard work but you keep an extra $1000 or so in your back pocket....
  22. Get one. Fast. Whilst you're on good terms and at...

    Get one. Fast. Whilst you're on good terms and at less than 2 years together. Not having one cost me $30k last time and I think got off lightly, it should have been $200k if we were going by what...
  23. At this stage of the game, is it really a good...

    At this stage of the game, is it really a good thing to be the bank thats most heavily exposed to mortgage debt in record amounts? I wouldnt have thought so.
  24. Replies
    10
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    2,380

    I thought you meant the other way around at...

    I thought you meant the other way around at first.

    A lot of estate agents didn't give me the time of day when I was first buying at 22. In a way it was good as they'd still talk to me to kill time...
  25. Replies
    6
    Views
    2,149

    Ceiling insulation - Get offcuts and install...

    Ceiling insulation - Get offcuts and install yourself. Cost = low to free from some installers, pretty much as good as new ones. They usually throw it away. I paid $200 in Chch and so far I've done 2...
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