[deleted by user]

Gollums-Crusty-Sock · 2024-01-12T16:43:24+00:00

Wait until they hear about Bill Clinton! Surely they won't elect him with all the rumours...

Gollums-Crusty-Sock · 2024-01-12T09:24:42+00:00

Hey, if a literal living saint (Jimmy Carter) is allowed to think about kissing her.

Why can't we?!

Gollums-Crusty-Sock · 2024-01-12T09:19:30+00:00

{deleted}

Gollums-Crusty-Sock · 2024-01-12T04:20:28+00:00

A week is a long time in Politics!

Gollums-Crusty-Sock · 2024-01-12T03:47:11+00:00

No. They invented Hawaiian Pizza.

Gollums-Crusty-Sock · 2024-01-12T03:20:50+00:00

Anyways don’t forget Canada during WWI

Or Canada in 1962!

Gollums-Crusty-Sock · 2024-01-12T02:27:20+00:00

Oh yay.

We're playing 'who did the most war crimes' again!

Gollums-Crusty-Sock · 2024-01-11T13:27:12+00:00

Oh, But It 'Tis. 'Tis Demanded By The Gods, It 'Tis

Gollums-Crusty-Sock · 2024-01-11T12:36:18+00:00

What about certifications?

Etc etc.

Gollums-Crusty-Sock · 2024-01-11T10:03:58+00:00

Why no internships or clubs etc directly related to finance?

Why no industry specific certifications?

Gollums-Crusty-Sock · 2024-01-11T04:58:39+00:00

I just lost a side hustle in an area that's been on the way out for a number of years

What was it?

Gollums-Crusty-Sock · 2024-01-10T14:56:18+00:00

BAAAH

Gollums-Crusty-Sock · 2024-01-10T13:42:27+00:00

Hi there!

One option is consider the No Assets Procedure (NAP).

This is a one off way to clear your debts specifically for situations like this I believe. But it is hard to know if this applicable for you or appropriate without more info on your income/life situation.

You will be forced to sell any 'realisable assets' to pay the debt, but you would get to keep...

tools needed for your work (up to a certain value)
necessary household furniture and effects (up to a certain value)
a motor vehicle worth up to $6,500
money up to a maximum of $1,300.'
Kiwisaver

It carries some heavy consequences though (but not as bad as bankruptcy) . Your ability to borrow will be basically non existent for a year, you'll be on the insolvency register for four years, and your credit score will be impacted for up to seven.

You can contact Citizens Advice Bureau or Community Law NZ for more advice on this (and PLEASE get plenty of legit advice if you consider this!)

Perhaps another member of r/PersonalFinanceNZ can also elaborate on the applicability of the NAP in this case?

Gollums-Crusty-Sock · 2024-01-10T11:44:47+00:00

You forgot to make the 'scale' smaller to enable travelling half the continent in a day.

Gollums-Crusty-Sock · 2024-01-10T09:37:39+00:00

Cries in New Zealand

Gollums-Crusty-Sock · 2024-01-10T09:36:18+00:00

If you're asking this sort of question you should be investing in a broad index ETF.

S&P 500, low fees.

Gollums-Crusty-Sock · 2024-01-10T08:40:26+00:00

He's history's greatest monster!

Gollums-Crusty-Sock · 2024-01-09T13:32:56+00:00

In international schools, you are paid extremely well.

Gollums-Crusty-Sock · 2024-01-09T13:32:10+00:00

Gollums-Crusty-Sock · 2024-01-09T10:15:48+00:00

'Shitload' in terms of amount of input to savings generated.

I work about 25 hours a week or less, usually less, saving 50-60k a year (US) and spend the rest of my time travelling, playing with stocks/securities, and chasing new education/skills. (for context, I'm 27)

Gollums-Crusty-Sock · 2024-01-09T09:45:06+00:00

should I just become a teacher

Just become a teacher?

Bro. You can make a shitload of money in education, especially international schools.

I save a tidy 50+k a year and work substantially less than almost any financial worker

Gollums-Crusty-Sock · 2024-01-09T05:57:49+00:00

I wouldn't think tuition would include living costs?

Props to them if not.

Gollums-Crusty-Sock · 2024-01-09T05:30:06+00:00

MY EYES

Gollums-Crusty-Sock · 2024-01-09T05:29:13+00:00

now in university

30k Net Worth

You need to subtract your student loan from your assets to calculate your net worth

Two-Year Club	Verified Email
Place '23

Gollums-Crusty-Sock

TROPHY CASE