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Every year, summer means an influx of Kiwis to beaches, rivers and campgrounds all over Aotearoa. Kiwis love summer – it’s in our DNA – but if we’re honest, we’re not always very good at it. Stay safe with a few tips from Westpac:
- Don’t turn your back to the waves.
- Always take … View moreEvery year, summer means an influx of Kiwis to beaches, rivers and campgrounds all over Aotearoa. Kiwis love summer – it’s in our DNA – but if we’re honest, we’re not always very good at it. Stay safe with a few tips from Westpac:
- Don’t turn your back to the waves.
- Always take your lifejacket.
- Tell someone when you’ll be back.
- Don’t drive when you are tired.
And remember if you stray too far, the Choppers can help. In the last 12 months, Canterbury’s Westpac Rescue Helicopter flew 664 missions keeping Kiwis safe.
Stay safe in Chopper Country.
The Westpac NZ Team
Very healthy Succulents and cacti $3each or 4 for $10 or 25 for $50 other sizes available
Hi,
I’ve had a stove installed in my rental but don’t have a certificate of compliance. Is there anyone qualified in my area who can assist me please. I’m not working currently and would appreciate a moderate charge to help ne out please
OLD SCHOOL SHARPENING SERVICES 02040102707
Peter Glamuzina from Hillsborough
After thirty five years of sharpening tools where I worked am now offering this service to our community.
Please give me a call if you have tools,
hedge shears,secateurs,knives,scissors etc that need sharpening.
I am now … View moreOLD SCHOOL SHARPENING SERVICES 02040102707
Peter Glamuzina from Hillsborough
After thirty five years of sharpening tools where I worked am now offering this service to our community.
Please give me a call if you have tools,
hedge shears,secateurs,knives,scissors etc that need sharpening.
I am now able to sharpen tools on site from my vehicle as I have independent power.
I use a Tormek water stone sharpening system (from Sweden) that does not damage steel .I am also at the Lyttelton Market each Saturday
Peter
oldshoolsharpening@outlook.co.nz
Commuter towns must take their share of new residents as greater Christchurch's population balloons by as much as 50 per cent in the next 30 years, a new report says.
The draft report says a combination of population growth and social change means up to 86,000 new homes, more that previously … View moreCommuter towns must take their share of new residents as greater Christchurch's population balloons by as much as 50 per cent in the next 30 years, a new report says.
The draft report says a combination of population growth and social change means up to 86,000 new homes, more that previously thought, will be needed by 2048. However, it warns the growth in satellite towns like Rangiora and Rolleston will lead to increased traffic congestion without better public transport.
Estimates have put greater Christchurch's population in 30 years at between 618,000 and 742,000, up from 428,000 now.
Read the full story by clicking the link below and tell us what you think in the comments (please write NFP if you don't want your comments published).
Hi neighbours,
Keep your eyes peeled for the latest scam to be fooling Kiwis. Scammers are taking advantage of people looking for a home to call their own, creating fake competitions and giveaways to win a tiny home.
A recent scam asked people to sign up on their page which went through a process… View moreHi neighbours,
Keep your eyes peeled for the latest scam to be fooling Kiwis. Scammers are taking advantage of people looking for a home to call their own, creating fake competitions and giveaways to win a tiny home.
A recent scam asked people to sign up on their page which went through a process of multiple surveys so the scammers can collect more information about the Facebook user in the hope of collecting personal details, including bank accounts. To read all about the scam, click here.
A fraud education manager says:
- People are helping the scammers by liking and sharing the post as it spreads the virus
- As soon as you like the Facebook post it gives scammers access to information
- If unsure whether it's a scam or not, look for terms and conditions - often these scams do not have them
- If you think you've been made a victim of an online scam, contact Netsafe and report it immediately. You can access Netsafe's page here.
"Staying independent, confident and healthy is important at any age, but especially if you or someone you love is over 65. Have you heard about the ‘Live Stronger for Longer’ movement? There’s a website full of practical information and advice, as well as local strength and balance … View more"Staying independent, confident and healthy is important at any age, but especially if you or someone you love is over 65. Have you heard about the ‘Live Stronger for Longer’ movement? There’s a website full of practical information and advice, as well as local strength and balance classes to keep you steady on your feet.
Go to livestronger.org.nz to find out more and keep loving your independence. Brought to you by ACC, Ministry of Health and Health Quality and Safety Commission."
Mattress is a year old . Moving house. Too big for requirements
The Zoofari programme helps Kiwi kids enjoy a day of learning at their local zoo because we believe that teaching children today can lead to a lifetime of love for animals and the environment.
Show your support before the 18th December by donating in your local store today!
The Warehouse, … View moreThe Zoofari programme helps Kiwi kids enjoy a day of learning at their local zoo because we believe that teaching children today can lead to a lifetime of love for animals and the environment.
Show your support before the 18th December by donating in your local store today!
The Warehouse, partnering with you for a better community.
We’re so grateful to all the generous sorts who’ve chipped in to get us here. So, let’s lose the gifts… and turn our big day into a celebration with the nation.
For every $10 donated from you, Spark Foundation will give $10 too – up to a grand total of $10,000 across all 10 charities.
To help everyone reduce water use this summer, we’ve got some simple conservation tips.
Our first (and one of the biggest ways you can help!) is to ditch the sprinkler and use a hand-held hose to water your garden instead.
Watering after 9pm or before 7am also gives your plants the best… View moreTo help everyone reduce water use this summer, we’ve got some simple conservation tips.
Our first (and one of the biggest ways you can help!) is to ditch the sprinkler and use a hand-held hose to water your garden instead.
Watering after 9pm or before 7am also gives your plants the best chance to retain moisture.
Find out more bit.ly...
Quite different from a fee simple title
New Zealanders love to talk about property. There are a multitude of topics relating to property that Kiwis have an intimate knowledge and understanding about which form the topic of water cooler and dinner conversation. The cross lease is just one of those … View moreQuite different from a fee simple title
New Zealanders love to talk about property. There are a multitude of topics relating to property that Kiwis have an intimate knowledge and understanding about which form the topic of water cooler and dinner conversation. The cross lease is just one of those many topics of conversation.
Traditional land ownership model
When you’re considering buying a house, you don’t envisage a cross lease form of ownership. You think of owning your own slice of land, subject only to the laws of New Zealand, and what your title says you can and can’t do. This form of ownership is called a fee simple title.
A cross lease is not the same as a fee simple title.
What are the differences?
When you purchase a cross lease property, you buy a joint share of the underlying land together with the other cross lease holders and you lease from the other cross lease holders the rights to the house/flat/building you will occupy. The terms of this arrangement are governed by a lease registered against the title to the land.
The main difference from a fee simple title is that you are not the sole owner of your land or your home. You own the property jointly with others.
Your rights, obligations and powers in relation to the property are subject to those other interests, and vary from situation to situation. Generally, you will need the consent of your fellow cross lease holders to carry out any structural renovations or any major maintenance or other works to the property you lease. More minor restrictions can extend to the number of pets you are able to keep.
There are general leasing principles to adhere to, such as ensuring that you don’t create a nuisance and allowing the other cross lease holders to quietly enjoy their tenancy. A commonly neglected and overlooked provision is the requirement in most cross lease documents to have a joint insurance policy with the other cross lease holders.
How can you address your obligations?
There is nothing that can’t be done without agreement and, of course, the cost of doing so.
Initially, we recommend talking with us to discuss the issues associated with owning a cross lease property. This should happen before you buy, not afterwards. We will give you an overview of cross leasing and discuss the potential issues you will need to deal with if you purchase the cross lease of that particular property. We will also review the cross lease document and advise you of its terms. It is imperative that you understand the nature of this form of property ownership before you are committed to purchase a property on a cross lease title.
There are other potential issues (which sit outside the scope of this broad-natured article) which we will need to check at this stage as well, such as the aerial plan for the cross leases to ensure that is accurate and doesn’t result in a defective title.
It is better to have an understanding of the issues before you commit to purchase rather than attempting to remedy them after you take ownership.
Most matters relating to cross leasing can be dealt with by agreement between you and the other cross lease holders and their lawyers. However, the cost of attempting to remedy any issues may well be prohibitive for most people and getting other people to agree to what you want and need is never something that should be relied upon.
Although there are significant differences from a fee simple title and sometimes difficulties with purchasing a cross lease property, many thousands of properties in New Zealand operate under this structure with no problems whatsoever. It is important though to understand how cross leasing works and how it differs from what many consider to be the traditional land ownership model.
If you are considering buying a cross lease, the most important thing is to be well-informed and enter into owning one with your eyes wide open.
A cross lease can often be converted to a fee simple title with consent of the other parties involved and their lawyers, and a surveyor. It can be a relatively straightforward process, however costs can vary significantly depending on the characteristics of your particular situation.
If you’re considering buying a property on a cross lease, talk with us early on. It will be time well spent.
We are having Family Fun Day Community Christmas, Free entry. We will also have a dinner buffet starting from 5pm onwards, call us for pricing per person on 03 943 4681
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