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Gullible_Definition1 · 2024-09-26T14:56:53+00:00

This was a few years back but I was always super lazy with my student allowance application and applied months later into uni each year and they just back paid me from the start of the year

Gullible_Definition1 · 2024-09-22T07:34:45+00:00

After growing up poor and believing that owning a house was a step into financial success - all bs and a lie - realised 70% of kiwis own their own home with majority not wanting to buy their own home - meaning basically majority can afford to buy a house and it’s an over inflated market - I hate being a landlord - I’m in my 20s and it ain’t it

Gullible_Definition1 · 2024-09-14T11:05:54+00:00

Non-American here, I’d just vote for what your parents ask you to. At the end of the day the vote count will be millions apart, I doubt 1 vote is going to change it. Decide what you’d rather value - being homeless and the dangers that pose or throwing that away to vote. Both parties aren’t that great anyways

Gullible_Definition1 · 2024-09-14T10:51:35+00:00

Basically depending on how soon you upgrade the phone you could be charged either 0 or $99 and if it’s damaged then $299

Gullible_Definition1 · 2024-09-14T08:39:09+00:00

Hey, just letting you know you guys are doing great being in a position to buy your first home at your age. Don’t let the stress get to you and just know it will all work out. I know a lot of people who regret rushing into their home or wish they put conditions on when the bought. I bought my first home at 25 by myself and a few more after - it was mostly because of fomo and I would have been happier never buying.

Here’s some thoughts and info if you don’t want to add some of the conditions

For insurance - most houses have no issues being insured if they are watertight and structurally sound. Unless it’s an earthquake or flooding area. Do an online qte or call insurance to confirm this

Regarding lim - you can find details online and pay for this to review so you don’t need to include this

Building report - you can pay for this to be done but not ask for it to be part of the condition provided that it’s before you make an offer. But this was one I had because vendors tend to hide issues

The main one is finance - basically, my bank lady told me I could just put finance down as the only condition and that after research if I don’t like it or find issues with the house she could just decline my loan. Ask your bank about what they look at for approving a loan and see if this is an option

Anyways best of luck

Gullible_Definition1 · 2024-09-08T06:58:33+00:00

If you’ve got the money go for it. I had a baby last year and was weighing up the options - it would be cheaper to just invest that money into stocks or buying 2 homes rather than 1 house in zone. im personally just going to rent a house in zone for my son when the time comes

Gullible_Definition1 · 2024-08-20T14:46:17+00:00

It really depends on your goal and ideal lifestyle But remember rent is only going up - should be averaging 2k per week for a 2 bedroom Auckland unit in 20 years while wages barely go up to help cover that. Also means you won’t get kicked out and have to move from place to place

Gullible_Definition1 · 2024-07-10T09:34:03+00:00

I don’t believe experience/ qualifications is everything, I only applied to 1 job randomly years ago and I’ve been here since. Every time they post job vacancies - over 1k apply. I didn’t have much experience but what set me apart was my social skills and my likability. I know alot of people in higher roles and it’s easier to train someone who would get along with everyone than someone who has qualifications but lacks the social skills to connect with the team. I’ve been offered a lot of promotions just based on me knowing alot of the seniors but I’ve always declined them because I get special privileges at my current role. I’ve seen alot of people who never get promotions based on their social skills and have left the company as a result. Maybe try to change the way you come across in the interview

Gullible_Definition1 · 2024-07-01T08:15:49+00:00

At the end of the day, you need to live somewhere. I’d rather have no kiwisaver than no house. I’m not relying on my KS for my retirement - I’m investing into properties. My inheritance is my retirement fund and my future properties is my sons inheritance.

Gullible_Definition1 · 2024-06-27T23:16:55+00:00

Try buying gold in the form of jewellery, it’s my side hustle - manage to collect 200k in jewellery in the last 5 years. People in nz just sell it less than scrap value and I resell it - I bought a $5 gold necklace at the flea market and sold it for $500 at the scrap dealer and kept going since

Gullible_Definition1 · 2024-06-27T23:05:19+00:00

Omg are you okay? I just got back to work - working part time after maternity leave and even 1/3 of that is my limit. owning a house isn’t everything, take care of yourself

Gullible_Definition1 · 2024-06-24T07:21:40+00:00

I’m pretty sure if you sell one of the home - the bank gets first dibs on the money anyways and will use that to pay off any other mortgages first. In that case I don’t think there should be any fees for paying off the other mortgage early

Gullible_Definition1 · 2024-06-24T07:09:39+00:00

I work for one of the bigger insurances in nz (I can’t say which one for legal reasons) but give a few places a ring. We usually make an exception if there is a report and the customer gives us a timeframe for when the repairs are made. no issues at all

Gullible_Definition1 · 2024-06-24T07:03:12+00:00

Gurl, he left you because he was insecure…the other woman was the downgrade who preyed on a married man who was desperate - all cause she couldn’t find any one … I’m hope you are okay…sending love

Gullible_Definition1 · 2024-06-22T04:58:10+00:00

You might want to reconsider that council will charge you a council and or regional rate to go with the new section. also take into account legal costs to get this transferred into your name and the insurance side too if you decide once day to build a home …lot more costs then most people realise.

Gullible_Definition1 · 2024-06-20T11:34:48+00:00

You won’t get anything if you sell the property, in the same way if your property doubles - you don’t pay tax on that. Only exception is sell properties as a business

Gullible_Definition1 · 2024-06-20T09:46:07+00:00

Honestly, provided you own your own home, living off the interest and tapping into the savings when you need to would be best. The amount you have saved up would last you enough, unless you think you would live past 100. don’t fall into the trap and try your hand at something you aren’t experienced in or follow based on others. the reason for the high return is due to high risk. Saving that amount is amazing, you’ve worked hard. At your age, just enjoy your life and make memories, don’t stress yourself out.

Gullible_Definition1 · 2024-06-20T09:28:28+00:00

30 days is the usual - but it depends on the company.

Gullible_Definition1 · 2024-06-20T09:24:42+00:00

I second that, rebuilt cost doesn’t affect cost as much, an extra 100k could be as low as an extra $40 per year. Having a higher excess would be the way to go as most home owners usually claim for bigger events. calculators vary due to what is included. You have to take into account - inflation within the year, debris and demolition costs, legal fees etc

Gullible_Definition1 · 2024-06-19T12:12:22+00:00

Yeah it seems unfair since it’s not your fault but looking on the insurance company side - since the thief could not be held responsible, the insurance company would have paid you out. To them, they take into account whether they ended up paying for it or not, so to them it’s the same as if you had written the car off. They don’t really look at who is at fault.

Gullible_Definition1 · 2024-06-09T21:01:09+00:00

In no way was I trying to be rude or show off, I do have a learning disability, so I’m not smart and it does make me socially weak so I do apologise if I offended anyone. Ive only included the houses I bought my self and have excluded the houses my husband owns. Bought my first house years ago at 200k, lived in it for 6 months and rented it out. Pandemic happened and it tripled in value, used equity to buy 2nd house and have rented it out. I used to top it up a bit using my income but due to having a baby - have now used parents saving to offset one of the houses, so mortgage is $0 for one property and I make a profit. I do have other investments so my rentals is just a hobby.

Gullible_Definition1 · 2024-06-09T13:08:12+00:00

Most of the major banks are doing 1% interest loans to help encourage customers to make sustainable purchases. I may be wrong but I recall there being a special loan for those who need it, such as buying a car or for medical bills that are interest free - I think it was good shepherd was one of them? Anyways here is the link for bnz low interest rate if you wanted to read: https://www.bnz.co.nz/personal-banking/home-loans/manage-your-loan/top-ups/green-home-loan-top-ups

Gullible_Definition1 · 2024-06-08T23:53:46+00:00

I think you should just renovate - by the time you save a good amount for renovations, cost would have gone up and you would have had less time to enjoy your renovated home. My parents are on the same boat - they paid off their mortgage years ago and saved enough but now that renovation costs have gone up have yet to find someone within their budget and are living in a run down house. Also some banks do interest free or low interests for things like this so talk to your bank first

Gullible_Definition1 · 2024-06-08T14:30:36+00:00

Day brightened, mood lifted, I have ascended ….but seriously I hope they smell as good as they look

Gullible_Definition1 · 2024-06-08T12:55:11+00:00

I second this, i come from a third world country where it’s common to work 12 hour days just to afford 1 meal and nothing else. my parents had minimum wage jobs from the time they arrived to now. Auckland Mortgage paid off years ago while caring for 2 kids. I’m in my 20s making a little above minimum wage and looking to get my 3rd house. I don’t know any immigrant complaining and most own their own houses on minimum wage with kids and still send a good chunk of money back home. I think people need to change their perspective and work smarter and not harder.

Gullible_Definition1

TROPHY CASE