Maria ThackwellWith Wednesday’s announcement that Reserve Bank restrictions in regard to loans for those with less than a 20% deposit staying for now, with no changes to policy surrounding this, no doubt there are many thinking home ownership will always be out of reach.
It’s a statement I’m hearing a lot lately in this environment of rising interest rates. Many people have taken advantage of the great fixed rates the banks have been offering and locked down for a year or two or three, and I can’t blame them for that. I’ve done it myself.
I heard a conversation on the radio this morning which naturally made my ears prick up. Mike Hosking on Newstalk ZB was interviewing a lady from credit reporting agency Veda who has been doing a lot of research into the financial habits of the dreaded Generation Y - you know.
Drop the lengthy email threads, out-of-date spreadsheets, no-longer-so-sticky notes, and clunky software for managing your projects and get Trello, the easy, free, and visual way to organize your important stuff.
Self-care is essential but in stressful times it can be a challenge to put this into action. Having a list of possibilities can help:
Stephanie BattOn the internet, it can be hard to differentiate between what’s fact and what’s fiction. Unless you’re something of an expert on the topic you’re reading about online or have some knowledge about it, you may not know you’re even being lied to in the first place.
Don’t sit back ‘hoping’ they decide to work with you. When you know they are perfect, hire them. NOW.
It’s my experience that sticking to the pre-approved, PC interview script means the interviewee only says what he or she thinks you want to hear, and you end up missing out on asking a lot of the questions you really wanted to ask.
Informed Pessimism is the point in your business that follows Uninformed Optimism. This is when you’re not as excited as you once were. Coffee is helpful to get you started on your day.
With the weather already throwing us into random days of heavy rains and gale winds the weather tightness of our homes has been thrust to the top of our minds. The recent flood gave us an op-portunity to see where water collected and where drainage and leaks may be in need of attention.
