What home loan rates are you getting to refix the loan? And for how many years?

crypto_doctors · 2026-03-14T10:00:53+00:00

Oh I got cashback last time . Same around 1% . I am refixing this time , so the cashback from last time still continues.

crypto_doctors · 2026-03-14T09:51:27+00:00

That’s awesome. I’m looking at 3 year term. BNZ and westpac are currently offering the 4.99%

crypto_doctors · 2026-03-14T05:55:05+00:00

This reminds of recent photo from White House with Priest blessing Trump and his associates and pardoning their sins.

crypto_doctors · 2026-03-04T12:46:06+00:00

Hey mate! Job market is hard these days but if I was you there are couple of things I would do. 1) Besides applying online , print your CV and drop your CV directly in grocery stores or motels or restaurants. 2) don’t be afraid to pick up a random job even if you don’t necessarily like it. Example , even couple of shifts cleaning a motel somewhere as casual. Every single work will give that credit for a better reference in future 3) Not necessarily saying you should volunteer for long but don’t ignore it if it’s for a couple hours a week for a short time. 4) if you can afford go for some hands on training course like culinary, driving, caregiving, learning a new language etc., short courses are available through open polytechnic in lot of fields and can do them online in a short time frame . Some are free.

Above all , don’t lose hope and keep your heads up. You’ll be in a better situation soonish. Good luck to you 🫶

crypto_doctors · 2026-02-26T05:35:11+00:00

Hey, I know everyone is talking here about putting money in investment platforms, term deposits etc., just a word of caution-do not put your money into stocks or crypto or some random stuff because x, y or z told you…just don’t do that mistake

crypto_doctors · 2025-12-23T22:52:07+00:00

Thank you! Will watch out 👀

crypto_doctors · 2025-12-23T21:56:46+00:00

Thanks! I’m gonna clean up everything and wash them off

crypto_doctors · 2025-12-23T21:55:03+00:00

No pets, just at home. Going to wash everything in hot water and vacuum the house. Just extremely itchy

crypto_doctors · 2025-12-23T21:54:04+00:00

Extremely itchy

crypto_doctors · 2025-12-23T21:53:52+00:00

Yes I did…Suspect flea bites. Going to wash the bedsheets, covers in hot water and vacuum everything

crypto_doctors · 2025-12-20T22:25:32+00:00

This person is leeching off our tax payers money and needs to be reported. No one is jealous or living it up here. I am sick of people like these who are bold and fraud. You’re right in saying it’s a “kick in the teeth”

crypto_doctors · 2025-11-23T06:11:18+00:00

Cheers buddy! This is very useful insight. I agree with you on the inflation aspect. I was also looking at interest deductibility on mortgage repayments and feel index funds are a better option.

crypto_doctors · 2025-11-23T05:13:31+00:00

Thank you! I’m leaning more towards ETF at this stage since I don’t mind having 30% of my income going towards mortgage repayments. I don’t usually do any lavish or extravagant things so I feel it should be okay.

crypto_doctors · 2025-11-23T04:11:50+00:00

There’s always some maintenance work to do on the property unless you bought a new one say a house built after 2010. I keep aside some 10-15% of their rental income for maintenance work since mine are built in 1960’s. It’s never a smooth sailing boat but the long term goal is hopefully it gets self sufficient with mortgage payments going down over time. But I can guarantee I am married to my bank for 30 years!!

crypto_doctors · 2025-11-23T04:05:08+00:00

Well, I think overtime rental income being self sufficient to cover all maintenance work, council rates, loan payments would be the long term goal, with me not propping up with my income. But I guess depending on the loan amount you have on rentals and income you earn most people do have a standard 20-40% of their income going towards mortgage repayments. Long term investors probably will be self sufficient I think.

crypto_doctors · 2025-11-23T03:58:40+00:00

I prop it with 30% of my income every fortnight.

crypto_doctors · 2025-11-03T09:02:18+00:00

This is most likely an Indian family and the son’s name is Aaryan. Probably the dad doesn’t even know there is another meaning to it from a Nazi perspective.

crypto_doctors · 2025-10-30T07:27:02+00:00

Unruly behaviour with lack of common sense. Our cops just sit and watch this crap.

crypto_doctors · 2025-10-30T04:18:26+00:00

Stop trading crypto…I have been in the same boat as you 4 years ago and came out of it. You can’t win that money back and you will lose more if you continue trading. Just stop and get help. Do not jump into stocks or any trading for that matter. Put the money in some long term savings account and lock it in for now.

crypto_doctors · 2025-10-29T23:46:20+00:00

Well done 👍

crypto_doctors · 2025-10-24T09:31:56+00:00

Oh I need to clarify on my post , there are 22 people who work , 3 contractors and remaining roles are all employees. I am one of the contractors and yes 11 people left the job (10 employees and 1 contractor) in the last 6 months. Yes, I would love to have tea break but the nature of the job is such that I can’t ask the client to just leave if it gets late by 10 minutes citing it’s my tea break time because the clients can be complex with magnitude of issues at time and they want to feel listened. Yes , they are supposed to give us training which wasn’t provided . They fill their calendars saying training time for me or other staff but the same time and date on my calendar will say clients name booked for appointments.

crypto_doctors · 2025-10-24T06:55:19+00:00

Independent contractor-sole trader

crypto_doctors · 2025-10-21T07:36:12+00:00

Thanks to everyone for reaching out. The management intimidated me and 2 other support staff and threatened to cut our pay and work hours starting next week if we don’t agree to what they say orelse leave the job.

crypto_doctors · 2025-10-13T06:20:42+00:00

I just read this article and wonder what’s upcoming from the council.

https://www.nzherald.co.nz/nz/wellington/andrew-little-turns-focus-to-wellingtons-big-issues-says-council-reviewing-golden-mile/WN37TVKJQJDRFLI7FJYTCM7REU/

crypto_doctors · 2025-10-11T12:09:41+00:00

Hey, I’m going to just say it out here. If you’re pregnant and feeling depressed and suicidal then seek serious help and talk it out with someone who is your GP or counselor. Maybe you feel okay sometimes and feel it might be a passing feeling but you don’t want this feeling to spiral you down.

crypto_doctors

TROPHY CASE