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
What's your favourite tomato recipe?
Kia ora neighbours. We know your tomato plants are still growing, but we're looking ahead to the harvest already! If you've got a family recipe for tomatoes, we'd love to see it and maybe publish it in our magazine to share with our readers. Send your recipe to mailbox@nzgardener.co.nz, and if we use it in the mag, you will receive a free copy of our February 2025 issue.
Facebook Marketplace Scams
Police are urging members of the public to be aware of Facebook Marketplace scams, in particular tiny home, shipping container and portable cabin home scams targeting Hawke’s Bay and the Eastern Police District.
Multiple people have seen the different listings and either paid deposits or the full price into various bank accounts.
Once the victim transfers money, the scammer deletes the listing, all the messages and blocks them.
In one case a victim has lost $10,000, with further victims losing in the thousands.
In many of these cases the offenders are based overseas and our ability to recover the funds transferred is limited.
“We are urging members of the community to think twice before transferring money for items on Facebook and other social media platforms.” says Senior Constable Gillon.
Anyone who has been affected by this scam is encouraged to contact Police online or via 105.
Senior Constable Gillon says if you decide to purchase off social media, we encourage you to take precautions to protect yourself.
𝗧𝗵𝗶𝘀 𝗶𝗻𝗰𝗹𝘂𝗱𝗲𝘀:
💸 Insist on meeting to conduct transactions and examine the item before completing the transaction.
💸 Meet in a public place and take a friend. DO NOT go into someone’s house or allow them into yours.
💸 DO NOT deposit money into another person’s account before you have received the item.
💸 Learning more about the person you are buying from or selling to.
💸 You can tap on a person's profile on the product listing page to see if you have any friends in common, their marketplace activity, and any ratings they may have received.
💸 Ensure friends and family, especially anyone vulnerable, understand what to do to protect themselves.
💸 Be the person to provide that ongoing support and advice.
💸 Trust your instincts – if it’s too good to be true or sounds like a scam, it probably is.
If you believe you are or have been a victim of fraud, contact Police at www.police.govt.nz..., or call Police on 105 and report the matter. If you have handed over your bank details, contact your bank and immediately suspend your account.
Tactile texture
Welcome texture into your room by using leftover Resene Anaglypta wallpaper to accentuate furniture and décor items. Find out how to create your own with these easy step by step instructions.
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