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The start of July brings a raft of changes that will affect households across the country.
From prescription changes to mortgage tweaks, the rules, fees and taxes will affect the way that many people spend and borrow money.
Here are a few of them.
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Debt-to-income ratios and … View moreThe start of July brings a raft of changes that will affect households across the country.
From prescription changes to mortgage tweaks, the rules, fees and taxes will affect the way that many people spend and borrow money.
Here are a few of them.
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Debt-to-income ratios and loan-to-value restriction tweaks
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New debt-to-income rules will limit how much banks can lend to borrowers, compared to their household income.
Only 20 percent of lending can go to owner-occupier buyers with a debt-to-income ratio of six, and only 20 percent of investors loans will be able to be at a debt-to-income ratio of more than seven.
The debt-to-income calculation takes into account other debt, such as student loans.
These rules are not expected to make a big difference initially, because not much lending is currently being done above those levels. However, they are likely to limit the extent of future house price growth.
At the same time, loan-to-value rules will be eased slightly to allow banks to give 20 percent of lending to owner-occupier borrowers with a deposit or equity of less than 20 percent, and 5 percent of lending to investors with a deposit or equity of less than 30 per cent.
Previously, they could only lend 15 percent to owner-occupiers with less than 20 percent deposit and 5 percent of lending to investors with less than 35 percent.
Prescription charges
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A $5 charge is coming back on for prescriptions.
This does not apply to people who are over 65, Community Services Card holders, people who are under 14 or people ages 14 to 17 who are dependent on a Community Services Cardholder.
Auckland regional fuel tax abolished
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The Auckland Regional Fuel Tax scheme ended on 30 June.
This is worth 11.5c per litre on petrol, diesel and their biovariants.
FamilyBoost introduced
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The FamilyBoost policy takes effect from 1 July, offering a payment of 25 percent of early childhood education fees for households up to $75 a week.
This is available in full to households earning up to $140,000 and reduces for those earning up to $170,000.
Households should start saving their invoices from 1 July as either PDF or JPG files, Inland Revenue says.
Payments will be made in three-monthly blocks, starting in October.
Bright-line test reduced
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From 1 July, the bright-line test will reduce to two years, from the current 10 years, or five for new builds.
The bright-line test sets a limit on how long properties, apart from someone's main home, have to be held to avoid tax on capital gains when they are sold.
That means that properties sold on or after Monday now need to have been held for at least two years to avoid the automatic tax.
Chartered Accountants Australia and New Zealand is warning there could be some confusion, though, because the new rules focus on the "disposal" date of a property rather than the acquisition date.
"Care needs to be taken as the dates are determined differently. The bright-line end date is determined by when the seller first enters a contract for sale, whereas the start, or acquisition date is typically determined when title transfers."
He said that could mean that anyone who had entered negotiations before 1 July could still be captured under the old rule.
Paid parental leave increases
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Each year, the maximum amount of paid parental leave available increases.
How much you get is determined by how much you were earning before you went on leave.
From 1 July, the maximum is $754.87 a week before tax, compared to $712.17 previously.
Gaming duty for offshore operators
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From 1 July, a 12 percent offshore gambling duty applies operators who are taking bets from New Zealand residents.
Offshore gambling operators have to register for GST if they make more than $60,000 in a 120-month period. Those that are registered for GST must also now register for the duty.
Excise tax on alcohol increases
The annual adjustment of excise tax on alcohol takes place on 1 July. This is based on movements in the consumer price index in the year to March.
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Stubborn pimples can be a stressful skin problem, it often leads to emotional distress and even anxiety.
Evergreen Herbs are designed in natural holistic way to treat pimple problems by targeting root causes, in the meantime calming the associated anxiety in natural way.
Premium care just meters away form our village. Join our caring community, where passion thrives. Trust Terrace Kennedy House for exceptional care and meaningful connections.
Mathematics Tutor Wanted for Year 7 - 1 or 2 hours early evening or weekend.
Patient. Supportive of Mathematics student a little below level. Paid, of course.
Year 7. Mt Albert area. Senior school student or trainee teacher or teacher. 0273536670.
It’s NZ House & Garden’s 30th birthday, and to celebrate they’ve put together a great offer that’ll light up your home. Purchase or gift a 1 or 2-year subscription to NZ House & Garden and receive a Living Light luxury soy candle worth $56.90 for FREE*.
Enjoy inspirational home … View moreIt’s NZ House & Garden’s 30th birthday, and to celebrate they’ve put together a great offer that’ll light up your home. Purchase or gift a 1 or 2-year subscription to NZ House & Garden and receive a Living Light luxury soy candle worth $56.90 for FREE*.
Enjoy inspirational home & garden content, convenient monthly home delivery, exclusive subscriber-only discounts, up to 27% off retail, and a Living Light luxury soy candle worth $56.90 when you become part of the NZ House & Garden community. *T&Cs apply.
Times have changed and perhaps so has our societal rules around taking off hats when indoors. What are your thoughts?
Delve back into that garage or wardrobe! It's time to sell your gently-loved goods at The Neighbourly Winter (online!) Garage Sale
On Saturday 6th July, members will be online checking out the goods on offer so it's a great time to get rid of your winter clutter.
Maybe it's … View moreDelve back into that garage or wardrobe! It's time to sell your gently-loved goods at The Neighbourly Winter (online!) Garage Sale
On Saturday 6th July, members will be online checking out the goods on offer so it's a great time to get rid of your winter clutter.
Maybe it's time to realise that you're never going to use that snowboard or ski jacket, and that you really do have one too many heaters. Whatever it is, take a picture and put it on Neighbourly for locals to see.
Hi neighbours. I'm Dr Siri and I'm a highly experienced dentist with a new approach to dentistry. We perform minimally invasive dentistry with advanced technologies like Cerec, Diagnodent, laser, and air abrasion. For our squeamish neighbours, we offer sedation for pain-free dentistry.
… View moreHi neighbours. I'm Dr Siri and I'm a highly experienced dentist with a new approach to dentistry. We perform minimally invasive dentistry with advanced technologies like Cerec, Diagnodent, laser, and air abrasion. For our squeamish neighbours, we offer sedation for pain-free dentistry.
We have a special new patient offer that includes a dental exam and x-ray for just $69, as well as flexible payment plans.
Come in for a free orthodontic/Invisalign consultation. We offer $1000 off Invisalign and free home whitening kit.
Check us out (you can book online!) or give us a call on (09) 625 1411 for further details. Spare 30 minutes of your time for an appointment and see for yourself why so many Aucklanders love us!
Find us at 150 Hillsborough Road, Hillsborough.
* Does not apply to check-ups and cleans.
As a zoo in Tāmaki Makaurau Auckland, Auckland Zoo is committed to enhancing the wellbeing of its communities and te ao Māori.
Bringing nature into your everyday life is proven to improve your physical and mental wellbeing – and the best part is that we can connect with nature everywhere!
… View moreAs a zoo in Tāmaki Makaurau Auckland, Auckland Zoo is committed to enhancing the wellbeing of its communities and te ao Māori.
Bringing nature into your everyday life is proven to improve your physical and mental wellbeing – and the best part is that we can connect with nature everywhere!
That's why for this Matariki, we're encouraging our communities to take time to reflect, renew and reconnect with Papatūānuku.
Watch how the Zoo's kaimahi connect with Papatūānuku
These items have been recalled this month. If you have one of these items at home, click on the title to see the details to ensure it is not a risk to your household.
Food recalls:
Hubbards brand BeMighty granola blueberry & seeds
Leslies Clover chips bbq flavour
… View moreThese items have been recalled this month. If you have one of these items at home, click on the title to see the details to ensure it is not a risk to your household.
Food recalls:
Hubbards brand BeMighty granola blueberry & seeds
Leslies Clover chips bbq flavour
Sabres fresh & frozen ready meals
Pams plant based creamy tomato pasta bake
Product recalls:
Farmers brand girls jockey singlet
Vitamix container and blade bases
Crocs Jibbitz
Digital Notepads
City Beach novelty light
LED strip light
Hansa Chipper
Kawasaki Spartan mower
We hope this message was helpful in keeping you and your family safe.
Winter has arrived and we are seeing a significant increase in winter illnesses across our communities.
Being up to date with your vaccinations remains one of the best things you can do to protect yourself from serious illness or being admitted to hospital due to covid.
If you’re over the age … View moreWinter has arrived and we are seeing a significant increase in winter illnesses across our communities.
Being up to date with your vaccinations remains one of the best things you can do to protect yourself from serious illness or being admitted to hospital due to covid.
If you’re over the age of 65, taking care of yourself and your immune system is important.
You can have the covid vaccine if it has been six months since your last vaccination or positive test.
Book your free vaccination
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To get your covid vaccine, talk to your family doctor, nurse or visit a local pharmacy. You can also book online through Book My Vaccine
If you would like more information, you can:
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• visit healthpoint.co.nz to find a pharmacy or provider near you
• call Healthline on 0800 28 29 26 8:30am to 5pm, Monday to Friday (except public holidays). Calls are free and you can opt to speak with a Māori clinician. Interpreters are also available.
When you get your covid vaccine, check with your healthcare provider if you are due for any other vaccines including flu and whooping cough / tetanus. It's safe to have the covid vaccine at the same time as most other immunisations.
Ngā mihi,
Health New Zealand | Te Whatu Ora
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It’s time to reveal Puketāpapa’s superheroes.
The local board is on the lookout for larger-than-life characters who render their superpowers or acts of selfless service to the community without expecting anything in return.
Click on 'Read More' to nominate your favourite … View moreIt’s time to reveal Puketāpapa’s superheroes.
The local board is on the lookout for larger-than-life characters who render their superpowers or acts of selfless service to the community without expecting anything in return.
Click on 'Read More' to nominate your favourite Puketāpapa volunteer and give them the recognition they deserve.
Kiwi Self Storage offers business storage solutions that are ideal for companies of all sizes. Their services cater to a range of needs, including storing surplus stock, tools, equipment, and important documents. Ideal for contractors who need to store materials and tools or merchandisers to store … View moreKiwi Self Storage offers business storage solutions that are ideal for companies of all sizes. Their services cater to a range of needs, including storing surplus stock, tools, equipment, and important documents. Ideal for contractors who need to store materials and tools or merchandisers to store inventory. Mid-winter is a great time to consider a change in your business requirements.
Key Benefits of Business Storage at Kiwi Self Storage:
Flexible Rental Agreements: Kiwi Self Storage provides flexible rental terms, allowing businesses to scale their storage space according to their needs without long-term commitments. This is particularly beneficial for startups and small businesses that may have fluctuating storage requirements. Just let us know you want to increase or decrease your storage space.
Secure and Accessible: All storage units are secure, with features such as individual alarms and CCTV. Access is convenient, with drive-in loading bays available at some locations, and extended access hours (5am to 11pm) for business customers. Certain facilities even offer 24-hour access on request.
Cost-Effective Storage Solutions: For businesses that do not require a full warehouse, Kiwi Self Storage offers a more cost-effective alternative. They can store seasonal stock, surplus inventory, and even bulky equipment, helping businesses save on rental costs for larger spaces. If you need to downsize your premises storage is a great temporary or permanent solution. Its also a great opportunity to declutter your shop, warehouse or factory.
Additional Services: You can arrange for couriers to drop off or pickup goods on behalf of businesses, making it easier to manage inventory and streamline logistics. They also provide packing materials and services through their sister company, Kiwi Bos Store which is located on site. We can also recommend, movers, that can handle everything from packing to moving and storing items.
Specialized Storage Options: Businesses can utilize storage units for specific needs such as archiving documents, storing promotional materials, or keeping tools and equipment safe from theft or damage.
For more detailed information and to get a quote, you can visit our official website or contact our facility directly.
Kiwi Self Storage Mount Roskill
09 625 6161
4c Carr Road, Mt Roskill, Auckland
kiwiselfstorage.co.nz...
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