Things you need to know before you borrow $$...
Hey neighbours, are you thinking of borrowing money by taking out a loan?
Before you do - there's a few things you really need to know about. Take a minute and read the tips below to ensure you're asking the right questions and getting the best loan for you.
1. Shop around! Interest rates, fees and terms must be made available to you by the lender. Make sure you compare details and make an informed decision about what loan is best for you.
2. Choose a lender. Did you know that when you borrow money to buy something, you don’t have to borrow from the same person who is selling the goods?
3. Understand. Whoever is loaning you the money must ask questions to make sure you can afford the loan. They also need to help you understand the key terms of the loan.
4. Be prepared. You'll need to provide your lender with information to show that you can afford to repay the loan. This might include proof of income and expenses so make sure you have it ready.
Don't get on Auntie's bad side and do your research! You can find more information here.
Your friends at Neighbourly
Cupboards of calm
Transform the inside of your humble storage spaces with Resene paint and you’ll be happy to delve into them in future.
Get our quick tips to transform your storage spaces.
What's your favourite recipe for courgettes?
Kia ora neighbours. If you've got a family recipe for courgettes, we'd love to see it and maybe publish it in our magazine. Send your recipe to mailbox@nzgardener.co.nz, and if we use it in the mag, you will receive a free copy of our January 2025 issue.
Craigs Workplace Giving for Christmas in Waikato focused on front line
It has been a delight for us to again coordinate the annual Christmas-time Workplace Giving by Craigs Investment Partners' Hamilton branch.
We've now passed on $13,100 in grants of various sizes from Craigs and its staff to the five Waikato community organisations they have chosen this year, namely Cambridge Lifeskills, Cambridge Tree Trust, Hamilton Land Search & Rescue, Paws 4 Life (who provided the photo below) and Waikato Women's Refuge - Te Whakaruruhau.
Quinton de Bruin, Investment Adviser at Craigs says: “We’re really proud of our Workplace Giving program here at Craigs.”
“Employees opt in to donate from their monthly pay cheque, building up funds over the year which we then donate to charities in need at Christmas time.
“Craigs also matches employee donations dollar for dollar, up to $500 per person per annum, so it’s a great way to be able to make a meaningful impact in our local community,” says Quinton.
We say well played Craigs Investment Partners!
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