How does bank assess your borrowing?
Read our latest blog on test rate also known as Sensitivity Servicing Rate (SSR).
The current interest rate environment does impact the test rates, the lenders would be quick to push the rates, which can impact your borrowing power.
Check out the blog here: skfg.co.nz...
⚠️ Some of the lenders have pushed up short to medium fixed term rates
⚠️ Protect yourself and your family so that financial strain is avoided. If you have existing insurance cover, well done, take some time to check whether it is adequate.
Seek advice from us on Mortgage and Insurance:
💻 www.skfg.co.nz...
📨 info@skfg.co.nz
📱0210749825
📍Auckland
We are Registered Financial Adviser provider (FSP):
SK Financial Group Limited - FSP: 1005116
Saneel Kumar - FSP: 1005115
Feel free to check us on FSP register >>> fsp-register.companiesoffice.govt.nz...
Three Fish - Day 5
Once upon a time, there was a stream. In that stream, there were three fish. The first fish was named "Futuristic"
Futuristic always planned for the future. It always thought of what would happen to the stream in three months, in six months, in twelve months, in twenty-four months, in five years, and so on. It had a scientific approach.
The second fish was named “Spontaneous" It had lots of ideas to get out of difficult situations. For example, it knew all the exit routes from the stream, the various ways to dive deep into the water, and it knew the different ways to jump out of danger etc. Spontaneous was also very active and had friends among fellow-fish.
The third fish was called "Just Another". Just Another never planned for the future, nor did it know the tricks to get out of difficult situations.
One fine day, Futuristic swam to sea level and checked the mean temperature of the sun. It seemed to Futuristic that it was too hot. Given this kind of temperature, and considering the depth of the stream, the stream would dry up within a month. Saying this aloud to Spontaneous and Just Another, Futuristic said it was leaving the stream and going out to a bigger pond, lake, river or sea. It hoped Spontaneous and Just Another would join, but that did not happen.
Soon, the stream began to dry up. A fisherman came by and caught both Spontaneous and Just Another in his net. Being an athletic fish, Spontaneous jumped out of the net before it lost its life and back into the water and swam out into sea. However, Just Another died in the fisherman's net. Just Another was the kind of fish who would perish without a fight when all the others perish. It simply left things to destiny.
Therefore, it is for us to decide whether we wish to be like Futuristic, Spontaneous or Just Another. Whichever route we choose to take in our lives, be rest assured that our faith belief stays with us.
Think You’re the Smartest on the Block? Prove It with This Riddle!
What is seen in the middle of March and April that can’t be seen at the beginning or end of either month?
Do you think you know the answer to our daily riddle? Don't spoil it for your neighbours! Simply 'Like' this post and we'll post the answer in the comments below at 2pm.
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Head here and hover on the Following button on the top right of the page (and it will show Unfollow) and then click it. If it is giving you the option to Follow, then you've successfully unfollowed the Riddles page.
Poll: When should the tree go up? 🎄
From what we've heard, some Christmas trees are already being assembled and decorated.
What are your thoughts on the best time to get your Christmas tree up?
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5% Second half of November
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44.7% 1st December
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16.6% A week before Christmas
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32.6% Whenever you wish
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1.2% Other - I'll share below