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Type: Posts; User: Neongreen

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  1. Replies
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    20 months ago I negotiated a 1% cash contribution...

    20 months ago I negotiated a 1% cash contribution from BNZ, and ended up selling the property as I no longer live in it. Just got the whole 1% clawed back, since I'm shy of the 24 month cutoff.
    ...
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    5,858
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    955,296

    Indeed! I believe BNZ will do that for 1, 2, and...

    Indeed! I believe BNZ will do that for 1, 2, and 3 years happily. This isn't a published special of course.
  3. Replies
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    A little birdie told me you should have no...

    A little birdie told me you should have no problem asking for 4.49% for 1 or 2 years :)
  4. Replies
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    955,296

    I'll third the -1% off BNZ floating. It seems...

    I'll third the -1% off BNZ floating. It seems they're really determined to build up market share. Also got offered a $5k contribution on $650k of lending to switch.

    Switching and will float until...
  5. Replies
    58
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    8,254

    The issue is really that it's not going to be...

    The issue is really that it's not going to be anything particularly sizeable. You could at most get $10000-$15000 on a new credit card on application, which even used to reduce a floating 6.75%...
  6. Replies
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    8,254

    Westpac has really upped it's game in the CC...

    Westpac has really upped it's game in the CC market. I have their World card which came out last April, and it is hands down the best value credit card on the market if you're a very heavy user. I do...
  7. Replies
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    Wait a moment, I didn't realize this had happened...

    Wait a moment, I didn't realize this had happened - you could conceivably mortgage your house and reinvest it to earn a pretty low risk return. 5% at 5 years reinvested with CU at 5.80%, means you...
  8. Replies
    5,858
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    955,296

    I find Westpac less flexible. In the end I had to...

    I find Westpac less flexible. In the end I had to send a very blunt email to ASB telling them they were going to lose my mortgage over 1k worth of discounts. They give 3k to new customers so it...
  9. Replies
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    955,296

    4.95% expiring in a month... Asked for 5.50% on a...

    4.95% expiring in a month... Asked for 5.50% on a 2 year term. ASB messed me around for 2 weeks. Eventually told them I was going to change banks. Lo and behold the next day, they agreed. Only wanted...
  10. Replies
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    8,883

    The idea of a revolving credit account and/or a...

    The idea of a revolving credit account and/or a credit card isn't a scam, indeed. It's a classic, useful combination.

    However the idea of not using any of the above, keeping your mortgage payments...
  11. Replies
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    8,883

    Their website states that they do not use credit...

    Their website states that they do not use credit cards, or revolving credit facilities, or additional payments, or changing lenders, or paying more on the mortgage. You just pay the same amount as...
  12. Replies
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    13,104

    My apologies, http://www.early-retirement.org is...

    My apologies, http://www.early-retirement.org is the one I meant.
  13. Replies
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    13,104

    MrMoneyMustache(MMM) is good - but just be aware...

    MrMoneyMustache(MMM) is good - but just be aware it's more financial porn than anything. People have gone through and added up his claims and they don't match up.

    The Millionaire Next Door is...
  14. Purchasing carpark from another apartment owner

    The apartment building I own an apartment in has covered and uncovered carparks. My carpark with my apartment is uncovered, and the amount of birds depositing gifts on my car is starting to annoy me....
  15. Davo, according to Stats NZ when I checked a few...

    Davo, according to Stats NZ when I checked a few days ago, in 2010 there was about 33500 people in NZ making $160K+ - the true '1%'.

    Additionally, the top 17% of tax payers pay something insane...
  16. Replies
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    1,715

    My advice was pretty tongue in cheek; it wasn't...

    My advice was pretty tongue in cheek; it wasn't advice at all really. It's impossible for us to give helenc any kind of advice I feel because she hasn't given us any information.

    That being said,...
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    This question has lots to do with your personal...

    This question has lots to do with your personal situation. If you can't handle much in the way of price increases, it seems logical to fix. Some people also advise breaking your loan up into two or...
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    Really I think this is going to have the agents...

    Really I think this is going to have the agents shooting themselves in the foot. TradeMe is excellent and I found my place through there - and not realestate.co.nz. As a vendor, I would be fine with...
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    That could be read in quite a condescending tone,...

    That could be read in quite a condescending tone, but this being the Internet, I'll give you the benefit of the doubt.

    In business, my first instinct is that if someone tries to lock you in in any...
  20. Replies
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    This is just spam so I didn't pay it much...

    This is just spam so I didn't pay it much thought, but wow their website is entertaining:

    "Fixed term / cancellation fee
    There is no fixed term agreement with Zero Rentals, however, if the...
  21. Giddy, this may be something your friend should...

    Giddy, this may be something your friend should probably be looking into legal advice for. Handling it correctly could make a very significant difference in the outcome.
  22. I think I'm going to have to bow out of this one...

    I think I'm going to have to bow out of this one because I believe my accountant to be highly competent.
  23. I feel I may lack your tax knowledge, this is...

    I feel I may lack your tax knowledge, this is purely my understanding of the matter when speaking to my accountant.

    I believe the IRD only really accepts market rent being paid in this instance...
  24. Hi Rosco, It was incredibly recent. As in, less...

    Hi Rosco,
    It was incredibly recent. As in, less than a month recent. My accountant said in this case he doubted the IRD would particularly have much of a problem due to the very short timeframe.

    ...
  25. Thanks Harvey - that's what my accountant said....

    Thanks Harvey - that's what my accountant said. Total cost was one title change which I managed to offset by negotiating a nice rate with the bank.
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