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Looks like Christmas is fast approaching. If you’re visiting family and friends you can travel on Metlink buses and trains FREE on Christmas Day. It’s our way of saying thanks.
The bus driver will issue you with a $0 ticket or just tag on and tag off with your Snapper and you won’t be … View moreLooks like Christmas is fast approaching. If you’re visiting family and friends you can travel on Metlink buses and trains FREE on Christmas Day. It’s our way of saying thanks.
The bus driver will issue you with a $0 ticket or just tag on and tag off with your Snapper and you won’t be charged. Train travellers can just board and ride for free.
Now’s a great time to get decorating! Save on Resene premium paint, stains, primers, sealers, wallpaper, decorating accessories and cleaning products! Get the GST value taken off the price.
PLUS if you are a Resene DIY Cardholder you can get an extra 5% off! That’s 20% OFF for Resene … View moreNow’s a great time to get decorating! Save on Resene premium paint, stains, primers, sealers, wallpaper, decorating accessories and cleaning products! Get the GST value taken off the price.
PLUS if you are a Resene DIY Cardholder you can get an extra 5% off! That’s 20% OFF for Resene Cardholders!
If you don’t have a card, sign up free online, www.resene.co.nz/diycard or while you are at your local Resene ColorShop.
And if you need help choosing your paints, wood stains, colours or wallpapers, your local Resene ColorShop staff can help you with all the advice and inspiration you need!
Beautiful Winter weight merino baby and toddler sleeping bags x 2.
Pink bloom colour with full length diagonal zip for comfort and ease of access.
In excellent condition. Award winning Snugbags brand. NZ made.
These have been fantastic for our wee one and we are only selling because at aged 2 … View moreBeautiful Winter weight merino baby and toddler sleeping bags x 2.
Pink bloom colour with full length diagonal zip for comfort and ease of access.
In excellent condition. Award winning Snugbags brand. NZ made.
These have been fantastic for our wee one and we are only selling because at aged 2 and a half she has outgrown this size (size 0-2) and we'll be buying the size 2-4 for her next season.
$100 for both or $60 each. (its handy having two so there's one as a spare)
Upper Hutt's Central Library could be on the move shortly after shifting into its soon-to-be quake c…
Childs 12' bike 3-5 year age range. Brand new (won it as a spot prize) RRP $149 Unfortunately I now wear big boy pants and the colour just doesn't match my look at the moment so my loss is your gain. Contact John on 0275668000
While an increasing number of Kiwis believe they will never own a home, others are thinking outside the box to secure their slice of paradise.
More than one-in-five (22%) New Zealanders across all age groups say they don’t believe they’ll live in a property they own in their lifetime*. The … View moreWhile an increasing number of Kiwis believe they will never own a home, others are thinking outside the box to secure their slice of paradise.
More than one-in-five (22%) New Zealanders across all age groups say they don’t believe they’ll live in a property they own in their lifetime*. The research, commissioned by realestate.co.nz, shows that potential buyers are becoming increasingly pessimistic. Only 19% of those surveyed in November 2017 believed they’d never own a home.
But those determined to buy are showing that, in 2018, getting on the property ladder requires some number eight wire mentality – or being fortunate enough to have support from family.
“The dream of home ownership is still strong. For Kiwis, it’s much more than just an asset class. We have a deeply entrenched emotional connection to owning our own home,” says realestate.co.nz spokesperson Vanessa Taylor.
“To get to that place, people are thinking more laterally,” she says.
Here are four ways Kiwis are thinking outside the box to buy a home:
POOLING RESOURCES TO GET A DEPOSIT
You don’t have to be a couple or an individual buying alone when purchasing a first home. We’re seeing an increasing number of buyers pooling deposit funds together with friends or another couple.
It’s important to think carefully about this sort of arrangement. Consider how long all parties would be willing to stay in the property (a minimum co-habitation period) and the minimum amount of time before one of you can trigger an exit clause.
“With it taking a longer time to sell a house in the current market**, home buyers do have more time to make a decision or put in legal arrangements for groups of friends to co-own,” explains Vanessa.
Do your research on the property and consider what it might be worth in, for example, five years’ time. Will there be enough capital gain for you to sell and split the profits, in order to reinvest in your own separate homes?
The timeline for the agreement should align with each party’s own personal goals – for example, if one party wants to have children within the next five years, how would that impact the co-habitation arrangements?
It’s important to have a written agreement, so everyone is on the same page.
LATERAL THINKING FOR AN AFFORDABLE MORTGAGE
There’s also the challenge of actually paying off the mortgage, which can put a strain on finances. An option is to re-think your living arrangements.
On one hand, many people choose to buy to get away from the flatties, but paying back a large loan on your own sometimes isn’t an easy feat. Getting in flatmates can significantly cut the cost of monthly mortgage repayments.
“We know of one young couple who live in the self-contained garage on their property and rent out the three-bedroom home on the front of the site. By living on the property, they can also ensure that it’s well looked after,” says Vanessa.
Another benefit is, with flatmates to help pay the bills, buyers can sometimes afford a home that better aligns with their long-term goals.
For example, a couple on their own may only be able to afford mortgage repayments for a two-bedroom home but, with flatmates in the equation, can step right into a three- or four-bedroom property.
This means they’re starting off higher on the property ladder and won’t have to sell and upsize in a few years’ time when circumstances change, such as starting a family.
These types of arrangements can also help flat hunters who are struggling to find somewhere to rent in the current market, where rentals are in high demand.
LIVING LEGACIES
An increasing number of parents or grandparents are choosing to give money to their offspring when they most need it, not when they die. These ‘living legacy’ contributions could be a cash gift towards a home deposit or parents using their own home as security on a loan.
Gifting – a parent, grandparent or another person can gift cash towards a home deposit, either as a loan or with a no-repayment obligation. Even between family, it’s a good idea to get independent legal advice, especially if the gift has to be repaid over time.
Guarantees – parents/grandparents can offer part of their own property as security against a loan. No actual cash is exchanged, but the lender or bank will require a written guarantee from the owners of the home that’s being used as security. Again, it’s important for both parties to get independent legal advice.
Of course, these options aren’t for everyone, Vanessa explains.
“However, the reality is that there’s a relatively small percentage of people who are in a position to do this and it doesn’t help those whose families can’t afford to do this or who have been life-long renters,” she says.
It’s important for all buyers to look closely at the government grants or support they may be eligible for, such as KiwiSaver, the Welcome Home Loan, a Kāinga Whenua loan, Housing New Zealand’s FirstHome scheme or KiwiBuild.
A large slip has blocked Akatarawa Rd between Upper Hutt and Kāpiti. The slip is about 3 kilometres…
Hi neighbours. As of 10th December Silverstream Health Centre is pleased to offer a walk-in clinic between 9am – 5pm every weekday for patients needing urgent medical care. No appointment necessary!
We wish our patients and whanau a very happy holiday season and a peaceful and prosperous New … View moreHi neighbours. As of 10th December Silverstream Health Centre is pleased to offer a walk-in clinic between 9am – 5pm every weekday for patients needing urgent medical care. No appointment necessary!
We wish our patients and whanau a very happy holiday season and a peaceful and prosperous New Year.
In town over Christmas? So are we. We’ll be running special timetables on buses, trains and ferries from Monday 24 December to Sunday 6 January, so please double-check before you travel. Your normal weekday services will resume on Monday 7 January.
Thanks for travelling with us throughout the … View moreIn town over Christmas? So are we. We’ll be running special timetables on buses, trains and ferries from Monday 24 December to Sunday 6 January, so please double-check before you travel. Your normal weekday services will resume on Monday 7 January.
Thanks for travelling with us throughout the year. For details visit metlink.org.nz or call 0800 801 700.
Bless you, Joel Maxwell, you make my heart sing. Just when I’d got to the point where I couldn’t stand the Christmas hype any longer, your elegant article provided the therapy I needed (Observer, Conversations). The man in the red suit, as Joel succinctly points out, “is just another bit of… View moreBless you, Joel Maxwell, you make my heart sing. Just when I’d got to the point where I couldn’t stand the Christmas hype any longer, your elegant article provided the therapy I needed (Observer, Conversations). The man in the red suit, as Joel succinctly points out, “is just another bit of shared, ongoing corporatized fiction, like James Bond, or the Briscoes lady”. James Bond we now know has a serious drinking problem (thanks to Nick, researcher at Otago public health – though with a name like that, you’d think he’d have something to say about the man in the red suit too. He’s obviously morbidly obese and sugar addicted).
This year the hype seems to be worse. The decorations went up in October, the TV started yelling at us to buy, buy, buy and even the weather has obliged by being summery. I see it on the faces of the women in the supermarket as we do the trolley two-step, tacking and jibing down the aisles. They will all be held personally responsible if Christmas isn’t perfect. Combined with the heat the best I can hope for is a pounding headache every time I venture out, helped along by those idiots in cars with the boom box on full volume.
Instinct tells me to fight back. That mongrel Irish underdog trait that says, “stuff you” (or worse), “I’m not buying into it”. Am I going to let these profit driven people dictate how I live and undermine my relationship with the land? Christmas is one day, its about a meal with the family. And in this heat, it should be as simple as possible with everyone bringing something. How much of all the stuff being brandished at us from every angle is plastic? Forget the presents, we all have far too much stuff already and the planet is groaning under the weight of it. Who hasn’t got a garage full of stuff. Pull some of that out and recycle it. Or, as the op shop ad says, “if you must buy an awful present, make it for a good cause”.
Merry Christmas to each and everyone of our wonderful customers.
We are closed the stat days and have reduced hours in between as follows.
CLOSED 25th & 26th December
Thursday 27th December - 10am til 3pm
Friday 28th December - 10am til 3pm
Saturday 29th December - 10am til 3pm
CLOSED … View moreMerry Christmas to each and everyone of our wonderful customers.
We are closed the stat days and have reduced hours in between as follows.
CLOSED 25th & 26th December
Thursday 27th December - 10am til 3pm
Friday 28th December - 10am til 3pm
Saturday 29th December - 10am til 3pm
CLOSED 31st December 1st & 2nd January
Thursday 3rd January - 10am til 3pm
Friday 4th January - 10am til 3pm
Saturday 5th January - 10am til 3pm
Back to normal hours from January 8th 2019
Wishing you all a safe and happy holidays from the team at Coastal Landscape Supplies Ltd.
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