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There's a saying to never work with animals or children, but Hamilton filmmakers who did just that h…
4 tips to be financially ready if you want to sell your home.
Get your financial ducks in a row
Selling your home can be full of highs and lows, both emotionally… and when it comes to your bank balance.
If you are harbouring an aversion to facing the financial impact of selling (and … View more4 tips to be financially ready if you want to sell your home.
Get your financial ducks in a row
Selling your home can be full of highs and lows, both emotionally… and when it comes to your bank balance.
If you are harbouring an aversion to facing the financial impact of selling (and buying) a home, consider these four crucial points and get a step closer to deciding if the time is right to sell (or not).
1. Where are you now?
Before embarking on a significant financial upheaval, gain some more clarity around your current financial situation. Plenty of money left over after the mortgage repayments? Unruly credit card debt that needs attending to? What is your home actually worth – have you had it appraised by the professionals? It’s time to 'fess' up.
2. Your future self. Will they thank you for this?
Whether you are planning on upsizing or downsizing, a move will impact on the world of your future self – will finances be tight? Will you still be able to afford annual family holidays? Are there additional expenses you will incur with a move such as body corporate fees or increased maintenance costs that come hand in hand with upsizing?
3. Equity. What does it mean and do you have it?
No need to dig out the high school statistics text books, equity is a simple calculation based on your estimated property value less your loan balance. For example, your home has been valued at $525,000. You still have $400,00 to pay on your mortgage. Leaving you with equity of $125,000.
4. What will selling cost you?
Aside from a few extra wrinkles, the action of selling comes with some potentially hidden costs if not addressed early. From preparing your home for sale – is the exterior in dire need of a touch up? Through to costs associated with putting your house on the market – will you go for the full marketing package? Right through to the act of moving itself – will you need storage and/or professional movers? Consider all the expenses, so you’re not left with any nasty surprises.
A love of spreadsheets is an acquired taste, which is why we’ve developed an easy to use worksheet to help guide you, that will give you a clear picture of the financial position associated with your home. While it doesn’t cover everything you’ll need to know, it’s a great starting point for a discussion with a professional.
So get your files and pen ready and download the worksheet included in our eBook To sell or not to sell.
Everyone has a slightly different reason for thinking about moving. But whatever your reason, the desire to move on is a big deal. Download our free eBook 'To sell or not to sell' for tips and advice to help you decide if 'now' really is the right time to move on.
Afternoon everyone,
Four Hamilton "choke points" are in the sights of a city councillor who says the traffic flow needs to be fixed.
And council experts agree that growth is putting more pressure on Hamilton roads than ever before.
Are there any intersections or roundabouts that … View moreAfternoon everyone,
Four Hamilton "choke points" are in the sights of a city councillor who says the traffic flow needs to be fixed.
And council experts agree that growth is putting more pressure on Hamilton roads than ever before.
Are there any intersections or roundabouts that really grind your gears? Also, are there any other traffic/driving/etiquette related gripes that you'd like to share?
We're hoping to get an idea of what really gets up the noses of city drivers.
NOTE: Add NFP to your comment if you do not want to be quoted in any follow up articles on the topic.
The winners of the Prime Minister’s Education Excellence Awards have been announced. The Awards celebrate New Zealand teachers, leaders and communities who are working together to improve outcomes for our children and young people from around the country. Please join us in congratulating all our … View moreThe winners of the Prime Minister’s Education Excellence Awards have been announced. The Awards celebrate New Zealand teachers, leaders and communities who are working together to improve outcomes for our children and young people from around the country. Please join us in congratulating all our winners for sharing their inspirational journeys, and find out about their achievements at the link below.
WOW ! New Lancer GSR Now on Special $24,990 + ORC Get yours now save $8000 off the RRP Limited Time,Get Yours Today, Finance Available
Phone Andrew 07 8897055
Flagstaff Dental has just turned a little more than a year old! We would like to take this opportunity to thank YOU, our local community for all the support you've given us.
To thank you, we will be giving away a scale and polish session plus an oral health care pack (value of $135) to two … View moreFlagstaff Dental has just turned a little more than a year old! We would like to take this opportunity to thank YOU, our local community for all the support you've given us.
To thank you, we will be giving away a scale and polish session plus an oral health care pack (value of $135) to two lucky winners. All you have to do is share this post. Winners will be announced in a couple of weeks.
Please continue to share the word that we are the newest established dental clinic around Flagstaff area. Look forward to providing you a warm and friendly experience here at Flagstaff Dental.
Nominations are coming in thick and fast! Are you a gardening superhero or perhaps you know one in your neighbourhood? Tell us why you or someone you know deserves to be our 2017 GARDENA Gardener of the Year. We're looking for community leaders, inspiration mentors, the driving force behind a … View moreNominations are coming in thick and fast! Are you a gardening superhero or perhaps you know one in your neighbourhood? Tell us why you or someone you know deserves to be our 2017 GARDENA Gardener of the Year. We're looking for community leaders, inspiration mentors, the driving force behind a vege-growing food bank or someone who is beautifying their town or restoring wasteland. It could be anything... basically if a gardener has inspired you, let us know! Include your name and phone number plus contacts for the nominated gardener, or for a contact person if it's a group.
You can send nominations to 2017 GARDENA Gardener of the Year, NZ Gardener, PO Box 6341, Wellesley St, Auckland. Or enter on our website, nzgardener.co.nz
We had such a great response for the Book Fair over the weekend that we decided to open it for two more days. Wednesday 5 October from 10 am - 3.00 pm
Come and bag a bargain. New books and magazines have been added.
How often do you workout? What are you concerned about when buying food? How often do you take health supplements? How much sleep do you need each night?
Take the FreshChoice Health & Beauty Survey today and you could win one of five $50 FreshChoice vouchers!
I have two sets of hanging ceiling lights and two matching wall lights to give away. 1950s or 1960s era I'm guessing. They have a solid wood centre piece which has 5 brass 'legs' coming out from it. White light shades (two are missing, but similar replacements can be got.) The wall … View moreI have two sets of hanging ceiling lights and two matching wall lights to give away. 1950s or 1960s era I'm guessing. They have a solid wood centre piece which has 5 brass 'legs' coming out from it. White light shades (two are missing, but similar replacements can be got.) The wall lights match. Free to anyone who wants them. Could be good for a retro bach perhaps.
When it comes to supplying the Waikato with representative rugby players, Morrinsville has provided …
Can anyone give any recommendations in regards to garden clean up please - need a bit of work done - thank you
Stuff has launched a series exploring the prospect of legalised cannabis in New Zealand. We'd love to know your thoughts on the prospect - vote in our poll below.
Read more from the series: www.stuff.co.nz...
Aftersocks NZ is a Rural Women New Zealand (RWNZ) initiative that supports rural communities, following an adverse event or natural disaster which has left them in need of financial assistance. Proceeds from the sale of Aftersocks contributes to the Rural Women New Zealand Adverse Events Relief … View moreAftersocks NZ is a Rural Women New Zealand (RWNZ) initiative that supports rural communities, following an adverse event or natural disaster which has left them in need of financial assistance. Proceeds from the sale of Aftersocks contributes to the Rural Women New Zealand Adverse Events Relief Fund.
Thanks for your support neighbours! Buy, Wear & Share!
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