Have you got a great recipe for cucumber, or a recipe for plums?
Dear neighbours, looking ahead to summer (we can't wait!) and the glut of crops, we're looking for recipes for either plum or cucumber dishes, to feature in the magazine. Send your best ones to mailbox@nzgardener.co.nz by December 3, 2023. Every published recipe wins a copy of the December issue of NZ Gardener.
Why are ghosts such bad liars?
...You can see right through them.
No, we haven't lost the plot! July 1st is International Joke Day and because laughter is good for your body, we want to get involved.
So, go on, jokers! Share your best joke below...
What am I?
I am a box that holds keys without locks, yet my keys can unlock your deepest senses. What am I?
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.
Want to stop seeing riddles in your newsfeed?
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.
Property / Finance Changes from 1 July 2024
🎤 July 1 brings a raft of changes to the finance and property market:
Bright-line Test:
✅ Now 2yrs (previously up to 10yrs).
Deposit Requirements:
✅ 30% deposit for investment properties (previously 35%).
✅ 20% lending available for low deposit properties (previously 15%).
Debt-to-Income (DTI) Ratios:
➖ DTI ratio restricted to 6 x for owner-occupier lending (20% exception).
➖ DTI ratio restricted to 7 x for investor lending (20% exception).
Credit Contracts and Consumer Finance Act (CCCFA) Reforms:
✅ Commerce Minister Andrew Bayly and Housing Minister Chris Bishop said the government is revoking 11 pages of what it calls "overly prescriptive affordability regulations."
These changes should stimulate activity in the finance and property market, contact adviceHQ for independent financial advice to help you secure your future.
#adviceHQ #DTI #LVR #CCCFA
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