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Hi Neighbours! AFS Global Prep programmes offer 14 to 18-year-olds, short-term, theme-based, experiences that address issues important to young people while facilitating their growth as global citizens.
Work on the environment in Costa Rica, or sustainability and culture in Germany, try … View moreHi Neighbours! AFS Global Prep programmes offer 14 to 18-year-olds, short-term, theme-based, experiences that address issues important to young people while facilitating their growth as global citizens.
Work on the environment in Costa Rica, or sustainability and culture in Germany, try art and design in Argentina, or find out about Chinese culture and much more! This is an opportunity to pursue your interests while becoming a global citizen.
You’ll thrive in an incredible new place unlike anything you’ve experienced so far, and create authentic connections that will last a lifetime! Call 0800 600 300 to find out more!
With house prices now falling significantly in Australia, the inevitable question is beginning to arise: “will the downturn spread across to NZ?” We’re not convinced that it will, for three main reasons.
• First, NZ does not generally have an oversupply of property of any type or in any … View moreWith house prices now falling significantly in Australia, the inevitable question is beginning to arise: “will the downturn spread across to NZ?” We’re not convinced that it will, for three main reasons.
• First, NZ does not generally have an oversupply of property of any type or in any region. Indeed, our largest city of Auckland has the opposite problem: a large shortfall of housing, which is propping up values even though property is relatively unaffordable in our biggest city. By contrast, it is widely accepted that there are too many apartments in Sydney and Melbourne, and this is dragging down prices. So-called settlement risk (where a buyer who purchased off the plans some time earlier suddenly walks away from the transaction) is a growing problem for some of these large-scale developments.
• Second, NZ is yet to see the same increases to mortgage rates that other countries are seeing, including Australia. In fact, although there are now signs that it might be ending, the banks here have recently engaged in a “rate war” with borrowers enjoying some pretty sharp fixed-rate deals in recent weeks. On a related point, about 80% of mortgage debt is on fixed interest rates in NZ, giving borrowers time to adjust their finances in advance of an interest rate increase being pushed through to their mortgage. That is in stark contrast to Australia, where floating rates dominate.
• Third, NZ’s regulators have arguably been much more proactive than Australia’s in curbing the riskiest lending practices. Interest-only lending is more controlled in NZ, and it’s also easy to forget that we’ve actually had the LVR restrictions (in one form or another) here for five years now. This has put our mortgage market on a surer footing than Australia To be fair, none of this precludes a housing market downturn here in NZ at some stage in the future. But for now, and with the labour market a huge support for property, we’re confident that Australia’s problems won’t be replicated in New Zealand for the foreseeable future.
Article by Kelvin Davidson
Help The Warehouse support Water Skills for Life and keep our little kiwis safe in the water.
Water Skills for Life is a program developed for children in Years 1 - 8 to learn water safety skills and risk awareness.
It gives them the tools they need to stay safe now and for their future lives… View moreHelp The Warehouse support Water Skills for Life and keep our little kiwis safe in the water.
Water Skills for Life is a program developed for children in Years 1 - 8 to learn water safety skills and risk awareness.
It gives them the tools they need to stay safe now and for their future lives in, on and around the water. Children are taught Water Skills for Life at school. It’s easy to teach and fun for kids to learn.
Support Drowning prevention training for all kids. Donate in-store today.
We’re inviting our neighbours to visit our Wellington Campus this month for our FREE Open Day - Workshop on the Principles of Massage.
Come along and talk to us about how a career as a Massage Therapist can give you the flexibility to be your own boss and run your own business, your way 👐
… View moreWe’re inviting our neighbours to visit our Wellington Campus this month for our FREE Open Day - Workshop on the Principles of Massage.
Come along and talk to us about how a career as a Massage Therapist can give you the flexibility to be your own boss and run your own business, your way 👐
The New Zealand College of Massage is offering flexible part-time & full-time qualifications starting from February.
As a graduate, you have the freedom of working from home, in a clinic, or as a mobile provider, and benefit from low setup costs and good remuneration.
Don’t miss this opportunity! Register now for this FREE event now via the link.
We look forward to meeting you!
Wanted: Upper Hutt College Senior Boys Blazer
Size S or Size M
Realtor says there are 1200 to 1500 new build homes planned or underway in the Hutt Valley.
Potentially dangerous prescriptions are less likely to be given to patients misdiagnosed with urinar…
From 3 February we’re introducing timetable changes to some bus routes. They’re designed to help more buses arrive on time and provide more morning and evening services to help you get where you need to go. Changes always take a while to bed in, so bear with us as we get the timetable up to … View moreFrom 3 February we’re introducing timetable changes to some bus routes. They’re designed to help more buses arrive on time and provide more morning and evening services to help you get where you need to go. Changes always take a while to bed in, so bear with us as we get the timetable up to speed.
Before you travel be sure to check whether your timetable has changed. Visit metlink.org.nz or call 0800 801 700.
Your generosity is helping to ensure we have another successful Wasp Wipeout season this summer. Baiting is about to start in some areas so thank you to those who are volunteering to help put it out. You can donate to Wasp Wipeout here: givealittle.co.nz... or find out more here: … View moreYour generosity is helping to ensure we have another successful Wasp Wipeout season this summer. Baiting is about to start in some areas so thank you to those who are volunteering to help put it out. You can donate to Wasp Wipeout here: givealittle.co.nz... or find out more here: www.stuff.co.nz...
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