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JULY--1st----Today's changes that could affect your bank account
The start of July brings a raft of changes that will affect households across the country.
From prescription changes to mortgage tweaks, the rules, fees and taxes will affect the way that many people spend and borrow money.
Here are a few of them.
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Debt-to-income ratios and … View moreThe start of July brings a raft of changes that will affect households across the country.
From prescription changes to mortgage tweaks, the rules, fees and taxes will affect the way that many people spend and borrow money.
Here are a few of them.
===================
Debt-to-income ratios and loan-to-value restriction tweaks
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New debt-to-income rules will limit how much banks can lend to borrowers, compared to their household income.
Only 20 percent of lending can go to owner-occupier buyers with a debt-to-income ratio of six, and only 20 percent of investors loans will be able to be at a debt-to-income ratio of more than seven.
The debt-to-income calculation takes into account other debt, such as student loans.
These rules are not expected to make a big difference initially, because not much lending is currently being done above those levels. However, they are likely to limit the extent of future house price growth.
At the same time, loan-to-value rules will be eased slightly to allow banks to give 20 percent of lending to owner-occupier borrowers with a deposit or equity of less than 20 percent, and 5 percent of lending to investors with a deposit or equity of less than 30 per cent.
Previously, they could only lend 15 percent to owner-occupiers with less than 20 percent deposit and 5 percent of lending to investors with less than 35 percent.
Prescription charges
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A $5 charge is coming back on for prescriptions.
This does not apply to people who are over 65, Community Services Card holders, people who are under 14 or people ages 14 to 17 who are dependent on a Community Services Cardholder.
Auckland regional fuel tax abolished
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The Auckland Regional Fuel Tax scheme ended on 30 June.
This is worth 11.5c per litre on petrol, diesel and their biovariants.
FamilyBoost introduced
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The FamilyBoost policy takes effect from 1 July, offering a payment of 25 percent of early childhood education fees for households up to $75 a week.
This is available in full to households earning up to $140,000 and reduces for those earning up to $170,000.
Households should start saving their invoices from 1 July as either PDF or JPG files, Inland Revenue says.
Payments will be made in three-monthly blocks, starting in October.
Bright-line test reduced
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From 1 July, the bright-line test will reduce to two years, from the current 10 years, or five for new builds.
The bright-line test sets a limit on how long properties, apart from someone's main home, have to be held to avoid tax on capital gains when they are sold.
That means that properties sold on or after Monday now need to have been held for at least two years to avoid the automatic tax.
Chartered Accountants Australia and New Zealand is warning there could be some confusion, though, because the new rules focus on the "disposal" date of a property rather than the acquisition date.
"Care needs to be taken as the dates are determined differently. The bright-line end date is determined by when the seller first enters a contract for sale, whereas the start, or acquisition date is typically determined when title transfers."
He said that could mean that anyone who had entered negotiations before 1 July could still be captured under the old rule.
Paid parental leave increases
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Each year, the maximum amount of paid parental leave available increases.
How much you get is determined by how much you were earning before you went on leave.
From 1 July, the maximum is $754.87 a week before tax, compared to $712.17 previously.
Gaming duty for offshore operators
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From 1 July, a 12 percent offshore gambling duty applies operators who are taking bets from New Zealand residents.
Offshore gambling operators have to register for GST if they make more than $60,000 in a 120-month period. Those that are registered for GST must also now register for the duty.
Excise tax on alcohol increases
The annual adjustment of excise tax on alcohol takes place on 1 July. This is based on movements in the consumer price index in the year to March.
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Elevate Your Math Skills with The Expert Maths Tuition Center LTD
Are you ready to conquer math challenges with confidence? Join us at The Expert Maths Tuition Center LTD, where learning meets excellence!
#aucklandschools #blockhousebay #SouthAuckland #Glendene #epsom #mathstuition #nz
Elevate Your Math Skills with The Expert Maths Tuition Center LTD
Are you ready to conquer math challenges with confidence? Join us at The Expert Maths Tuition Center LTD, where learning meets excellence!
www.facebook.com...
#aucklandschools #blockhousebay #SouthAuckland #Glendene #epsom #mathstuition #nz
Tutor - Mt Albert - Year 7 - mathematics
Mathematics Tutor Wanted for Year 7 - 1 or 2 hours early evening or weekend.
Patient. Supportive of Mathematics student a little below level. Paid, of course.
Year 7. Mt Albert area. Senior school student or trainee teacher or teacher. 0273536670.
BLOCKHOUSE BAY MARKET
ON THIS MORNING BLOCKHOUSE BAY MARKET! COME AND SUPPORT LOCAL COMMUNITY, FIND A BARGAIN, BUY KIWI MADE, PARKING AT MEDICAL CENTRE OPPOSITE THE COMMUNITY CENTRE
30 Years of Homes & Gardens
It’s NZ House & Garden’s 30th birthday, and to celebrate they’ve put together a great offer that’ll light up your home. Purchase or gift a 1 or 2-year subscription to NZ House & Garden and receive a Living Light luxury soy candle worth $56.90 for FREE*.
Enjoy inspirational home … View moreIt’s NZ House & Garden’s 30th birthday, and to celebrate they’ve put together a great offer that’ll light up your home. Purchase or gift a 1 or 2-year subscription to NZ House & Garden and receive a Living Light luxury soy candle worth $56.90 for FREE*.
Enjoy inspirational home & garden content, convenient monthly home delivery, exclusive subscriber-only discounts, up to 27% off retail, and a Living Light luxury soy candle worth $56.90 when you become part of the NZ House & Garden community. *T&Cs apply.
Tea & Tiffin
We're open at 60, Dornwell Road (Opp to Mt Roskill Collision Centre) this Saturday and Sunday from 9am - 6pm ⏰
We’ve got a balanced variety of dosa, idly, medu vada and masala tea for you all to choose from this weekend! We’ve also got gazebo seating available! ☔️
See you all there!
BLOCKHOUSE BAY MARKET
COME AND JOIN US TOMORROW SATURDAY 29TH JUNE ,COME AND SUPPORT YOUR LOCAL COMMUNITY, FIND A BARGAIN AND OF COURSE KIWI MADE!
16 x New Zealand picture books bundle 1980’s and 1990’s
A unique opportunity to buy16 picture books by New Zealand authors. Pick up from Blockhouse Bay.
Descriptions as follows:
But what did we get for Grandpa? / David Ling, illustrated by Dick Frizzell 1983 - hardback in great condition
The clay boy/ Ron Bacon illustrated by Chris Gaskin 1989. - … View moreA unique opportunity to buy16 picture books by New Zealand authors. Pick up from Blockhouse Bay.
Descriptions as follows:
But what did we get for Grandpa? / David Ling, illustrated by Dick Frizzell 1983 - hardback in great condition
The clay boy/ Ron Bacon illustrated by Chris Gaskin 1989. - hardback in pristine as new condition
Three surprises for Hemi/ Ron Bacon , illustrated by Anita Vink 1990 - hardback in very good condition
Mr Smudge’s thirsty day / Jonathan Gunson 1985 - hardback in good condition. Some foxing on first and last pages
The oldest tree / Kathryn Guthrie. Illustrated by Anne de Silva 1986- hardback in excellent condition
Birthday Rain/ Dorothy Butler, illustrated by Gabriela Klepatski 1993. - hardback in as new condition
Lucky for some/ Dorothy Butler, illustrated by Lyn Kriegler 1990 - hardback in great condition
What a birthday/ Dorothy Butler, illustrated by Lyn Kriegler 1996 - paperback signed and gifted by Dorothy Butler. Good condition, inside covers foxed
Duckat/ Galen Gordon, illustrated by Chris Gaskin 1992 - hardback in great condition. Bit of fading on cover and spine
Toby builds a room/ Jonathan Gunson 1992 - paperback in excellent condition
Hemi and the shorty pyjamas/ Joan de Hamel, illustrated by Lyn Kriegler 1996 - paperback in excellent condition
Lily and the present/ Christine Ross 1992 - paperback in excellent condition
Jane and the dragon/ Martin Baynton 1988 - paperback. Some scribble in pencil inside front. Name written in ink. Good condition.
Hutu and Kawa find an island/ Avis Acres 1992 reprint from 1955 book. - Good condition.
Rodney rat and the sunken treasure/ Michelanne Forster and Graeme Kyle 1983 - paperback, a bit scruffy
The choosing day/ Jennifer Beck, illustrated by Robyn Belton -1989 paperback - ex-library in worn condition.
Poll: Is it still rude to wear a hat inside?
Times have changed and perhaps so has our societal rules around taking off hats when indoors. What are your thoughts?
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74.6% Yes, take them off indoors
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24.3% No, it's not anymore
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1.1% Other - I'll share below
Join us in celebrating Matariki with Math!
Do you know how to calculate the angular distance between each star in the Pleiades cluster?
Bring your curiosity, and let's explore the wonders of the cosmos through the lens of mathematics!
If you know the answer, comment below and share your thoughts!
Let's discover the cosmic … View moreDo you know how to calculate the angular distance between each star in the Pleiades cluster?
Bring your curiosity, and let's explore the wonders of the cosmos through the lens of mathematics!
If you know the answer, comment below and share your thoughts!
Let's discover the cosmic connections together!
#aucklandschools #blockhousebay #SouthAuckland #Glendene #epsom #matariki #nz
Join us in celebrating Matariki with Math!
Do you know how to calculate the angular distance between each star in the Pleiades cluster?
Bring your curiosity, and let's explore the wonders of the cosmos through the lens of mathematics!
If you know the answer, comment below and share your thoughts!
Let's discover the cosmic … View moreDo you know how to calculate the angular distance between each star in the Pleiades cluster?
Bring your curiosity, and let's explore the wonders of the cosmos through the lens of mathematics!
If you know the answer, comment below and share your thoughts!
Let's discover the cosmic connections together!
#aucklandschools #blockhousebay #SouthAuckland #Glendene #epsom #matariki #nz
Time for a clear-out?
Delve back into that garage or wardrobe! It's time to sell your gently-loved goods at The Neighbourly Winter (online!) Garage Sale
On Saturday 6th July, members will be online checking out the goods on offer so it's a great time to get rid of your winter clutter.
Maybe it's … View moreDelve back into that garage or wardrobe! It's time to sell your gently-loved goods at The Neighbourly Winter (online!) Garage Sale
On Saturday 6th July, members will be online checking out the goods on offer so it's a great time to get rid of your winter clutter.
Maybe it's time to realise that you're never going to use that snowboard or ski jacket, and that you really do have one too many heaters. Whatever it is, take a picture and put it on Neighbourly for locals to see.
$69 Dental Check up & X-rays
Hi neighbours. I'm Dr Siri and I'm a highly experienced dentist with a new approach to dentistry. We perform minimally invasive dentistry with advanced technologies like Cerec, Diagnodent, laser, and air abrasion. For our squeamish neighbours, we offer sedation for pain-free dentistry.
… View moreHi neighbours. I'm Dr Siri and I'm a highly experienced dentist with a new approach to dentistry. We perform minimally invasive dentistry with advanced technologies like Cerec, Diagnodent, laser, and air abrasion. For our squeamish neighbours, we offer sedation for pain-free dentistry.
We have a special new patient offer that includes a dental exam and x-ray for just $69, as well as flexible payment plans.
Come in for a free orthodontic/Invisalign consultation. We offer $1000 off Invisalign and free home whitening kit.
Check us out (you can book online!) or give us a call on (09) 625 1411 for further details. Spare 30 minutes of your time for an appointment and see for yourself why so many Aucklanders love us!
Find us at 150 Hillsborough Road, Hillsborough.
* Does not apply to check-ups and cleans.
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Rocky Nook Bowls Club Rocky Nook Ave, Fowlds Park, Mount Albert, Auckland, New Zealand
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