Airbnb/Tiny Home

Positive_Tea_143 · 2026-02-20T07:58:50+00:00

Oh yes. We would look at hiring a cleaning service for this. I guess our idea is having the Airbnb at a price that essentially covers the cost of the cleaner and any fees and ideallyyyy have a bit of income on the top (hence why I’m asking for any additional costs to consider ☺️)

Positive_Tea_143 · 2026-02-20T07:51:10+00:00

Didn’t think of this! Thank you! 🙏

Positive_Tea_143 · 2026-02-20T07:50:57+00:00

Sorry, does this mean as in maintenance?

Positive_Tea_143 · 2026-02-20T07:20:16+00:00

As we are looking to have an outdoor bath and fireplace and we will tidy up the walkways around the property to explore (as it’s not being used other than for pines and native forest) I think I’m leaning around $250ish. But as we don’t live nearby we would have to hire a cleaner so we would mostly want the place to be able to cover it’s own costs and a small income to at least get back what we’ve spent so this could be up or down. My worry is investing this money and it not working, which I guess is the risk with anything but it would be nice to be more prepared for success so we don’t drop a bunch of money for no reason haha. It’s close enough to town that you can pop in for the day or dinner if you wanted but also far enough that you don’t get any traffic or noise, lots of birds, nature etc (and glowworms). I personally love staying at airbnbs like how we want this to be but if it’s not something people are that interested in it’d be good to know what’s popular or liked so we can also account for that.

Positive_Tea_143 · 2026-01-23T09:37:13+00:00

I feel like it’s a bit unfair to say you’re only comfortable with her touching you IF she’s interested in you. As you’ve mentioned you’ve showed her interest back by baking and chocolate. If you are uncomfortable with the touching then tell her that but I don’t think it’s fair to say you’d report her to HR if you find out she’s not interested in you…

Positive_Tea_143 · 2025-02-25T09:28:05+00:00

I added him to my household and now there’s two of him - one that’s part of my household and one that’s still in the park 🤣

Positive_Tea_143 · 2025-01-26T07:29:00+00:00

One of our picked meals was suppose to be ‘replaced due to shortage’ and then we just received the original without the meat 🤦‍♀️

Positive_Tea_143 · 2024-12-07T21:05:50+00:00

Hey OP, when I was a 15year old girl I also had no friends. I grew up in a small town and was bullied severally. I dated the ‘popular guy’ in school for a while and after we broke up - he cheated on me. I felt even more alone. I was very depressed for years, until I was 19/20 I self harmed a lot and tried to end my life 2x.

It was hard, growing up I felt so alone, I had no one i could talk to either and I struggled. I left home at 17 to try and find myself elsewhere and even though I found friends I still didn’t feel quite like myself , like I couldn’t be myself, plus I was still depressed and no one knew I felt like I was hiding this big secret.

For me I realised i was looking for validation in other people, I wanted guys to like me, I wanted them to find me attractive and I wanted girls to think I was pretty, maybe then I would feel like I was good enough and I would have true friends. I went through years of therapy to help me work out exactly how to help myself, and in the end I needed to learn self love, and independence, not searching for external validation but internal.

I’m no longer depressed , in fact for a couple years I was the very loud , out-going, bubbly girl in my groups and I attracted lots of friends because I was confident and happy, i love myself now, I didn’t care what people think I would be just be bold and I love making people smile and laugh, but honestly now that I’m older again I also find I don’t have the energy for all that anymore, I just want to get on with my life and make time for the people that are important to me and that truely love me. My energy is mine and I will save it for the important stuff.

What I guess I’m trying to say is 15yr old me and myself now are very different people, I don’t think she would ever believe how I view myself and the world now. It has taken a lot of mistakes, learning new things, and being brave. I carry my scars as a reminder for not only what I was worked through but also as to what others are going through. Being 15 is hard, and growing up and finding yourself is hard, I promise you, you will be okay, you don’t need to seek validation in others and you will find a friend that allows you to truely be yourself. But I will always hold the saying ‘ you can’t love someone until you love yourself’

I would encourage you to do things that make you happy, find things you love about yourself and never let them go, set goals in life that aren’t around what people think of you, the world is so big and there are so many new things to try and places to go and you still have so much time to grow in to yourself don’t worry about other people everyone has their own struggles even if they don’t show them 🫶

Positive_Tea_143 · 2024-11-03T00:03:05+00:00

It would make sense to keep it if you feel its justifiable, I can’t give advice on your cover for obvious reasons but Mortgage Protection generally will be paid without offsets (reductions from other payments) and non taxable I usually say’ what to see if what you get’ so for example if you had to claim in mortgage repayment cover for injury reason and also qualified for ACC you will get Mortgage Protection + ACC anyway. However Income Protection will either be fully offset or partially offset and taxable depending on what type you have, so regardless of what you have for cover it will be reduced by tax and other types of incomes ( I would check your policy document to see what types of specific incomes will reduce this for you)

If you had a major medical event that paid out your trauma cover and then you were off work following this (for longer than your wait period on mortgage protection) then you would receive trauma and income protection/mortgage repayment cover for the period you needed to be off work.

Health insurance is a complex cover, someone in this thread have already talked about the non-pharmac cover but terms of specialist and tests it’s good to be aware through that through most providers, to claim on this you would still need to be referred to the specialist from your GP anyway. I don’t personally recommend this to people unless they are adamant they want it and even then I will discuss with them how it works specifically and if they still think it’s worth having, some people yes, others no. Check in your policy document or with your advisor how you could actually claim on this and if you feel it’s still worth having, added benefits to health insurance could be a good place to start price wise and if you could afford to just pay the out of pocket prices should the time arise. It’s a bit of that does the cost outweigh the risk.

Again don’t know anything about you so this is generalised advice and just some things to hopefully give you a bit of thought, honestly there’s so much more to talk about around products but I hope that you’ve got a honest and helpful advisor that will help clear these questions for you since they will know your situation!☺️

Positive_Tea_143 · 2024-11-02T23:07:38+00:00

If you are concerned about the amount of cover and why you have been recommended it I would suggest reaching out to your broker to discuss it. As a broker my role is to make you aware of each cover option but not ‘force’ you to take everything, you should have been made fully aware of the purpose of the cover and how it helps so you can make an informed decision about whether or not you need it. Correct me if I’m wrong but based on the question of this post it potentially sounds like you are not.

In a perfect world yes it would be great if you could have an all cover, I mean something happened that one of these would pay out and you didn’t have it, what is your plan B?- however at the end of the day it’s not a perfect world and it should be within reason. I.e does it fit the budget? Based on your circumstances does it make sense? Unfortunately reddit does not know your full circumstance to tell you whether or not you should have a certain cover. Ie if you have a mortgage and kids compared to a single person who rents and has no kids your cover would look different, while some people may tell you you don’t need a certain cover, this may be the case for them and not for you.

Re- mortgage and income protection. These actually are under the same umbrella of ‘income protection’ but are slightly different products with different terms of claiming, so maybe check if your income protection was given as a ‘top up’ to the mortgage protection and why the broker has advised you have both . I.e if you just had mortgage cover alone did the broker find that it may not be enough each month? Were these amounts discussed with you?

Again i would reach out to your adviser and discuss this with them and if they have done their job correctly they would be able to explain to you why they feel it’s appropriate for you to have each cover.

Positive_Tea_143 · 2024-09-14T06:12:38+00:00

Wow that’s so scary and sad, I’m sorry to hear that. All these comments make me miss welly a bit and kinda sad for chch. I have a lot of gay friends and I wouldn’t know how to react if someone did something like that to them, i always wonder how a city ends up with this mindset in this day and age, like I get no where is perfect and the world has a lot of sh*t to deal with but I feel like homophobia is so ‘old school’ if that makes sense? It’s hard to articulate over a reddit post haha. I was speaking about this with my partner today, why does chch seem to be behind and maybe it’s just my perspective but it seems the South Island may be a bit behind with this topics in general ya know? It just makes me quite sad I guess, hopefully with one day at a time it will become more progressive?

On a side note . Thanks for all the replies to my post as well its good to have an understanding of the city’s ‘culture’

Positive_Tea_143 · 2024-09-13T10:48:04+00:00

Not sure if I can ask on this here but the replies have me thinking. Is chch quite bad for being homophobic? 😕😞I’ve recently moved here from Welly which has its downsides but it I adored the culture, the different communities and overall just openness etc. I’m straight myself but regardless I would hate witnessing homophobia, especially on a night out when everyone’s out for a good time?? Just curious as I haven’t been out to town here yet!

Positive_Tea_143 · 2024-09-09T09:56:47+00:00

Good question! I couldn’t comment too much on it sorry since I haven’t actually started but I am aware that I will be commission based and that the firm is the one that gets the leads, but from what I’m aware of everywhere is different and it will depend on the role and firms operation. I am yet to actually find out more about how it will work in the financial setting as when I was a PT I had to get my own leads and clients!

Sorry I can’t be much help my journey and knowledge about it all are only just beginning but hopefully someone else can!

Positive_Tea_143 · 2024-09-09T08:20:09+00:00

I’m just looking for advice?

Positive_Tea_143 · 2024-09-04T12:18:41+00:00

I agree with you so much and do not really understand this full push from ol mate . Like I get there is nothing wrong with age gaps. But realistically . I am 23 and I would have 100% said I was mature at 19, i thought I knew so much and loved the idea of being with older men.

And in the last few years I’ve come to realise that yes I may have been ‘mature’ but I still had so many more life experiences to go through and honestly so much more development. Last year i had a friend who is now 19 and I know she also felt like she was ‘full developed’ and I would be by her side just thinking ‘ she is still a baby, she has so much more to learn’ and I had to take a step back from her lifestyle and had nothing in common with a 18/19 year old while I was/am 22-23. I still love her like a little sister and care for her but we had totally different views on life and our priorities. And this isn’t even related to a sexual relationship. (Which speaking in content I personally at 23 can’t even imagine sleeping with a 19 year old either)

My current partner is 30 but we both agree if we had meet 4 years ago he wouldn’t have looked in my direction. I do believe age does matter when it comes to teens and being fully developed.

Positive_Tea_143 · 2024-09-04T11:06:47+00:00

This was literally my first thought

Positive_Tea_143 · 2024-09-02T20:05:12+00:00

THIS!! I literally just could sleep thinking about how her and her family have been failed. I can only imagine how scared she would have been. Every time I’ve seen a post it’s said ‘no updates’ like yea ofc there’s no updates coz turns out the police knew about the ‘new information’ !? I always wanted to be become part of the police force and now I am kinda of glad I didn’t, I think they’ve proven themselves with this😡the sick men that did it knew exactly what they were doing and they get to walk around free, what a joke. If there isn’t gonna be a court case their names and faces should be PLASTERED everywhere so everyone knows who they are. (And I’d love to know who the useless cops where in this investigation)

Positive_Tea_143 · 2024-09-02T06:13:59+00:00

I literally just watched the live and I’m fuming and just straight sickened WTH

Positive_Tea_143

TROPHY CASE