#Goals: A great initiative for young people aged 10+

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Got kids who would love a chance to dream big and be inspired to achieve those goals? Get them along to this Lower Hutt event.

 

Kylie has recently been volunteering her time to assist with a youth and teen “goals” community event which is coming up in on Sunday 26 August.

 

The idea behind #Goals is that youth (aged 10+) come along with a parent, grandparent or mentor so you both can plan and support each other with your goals. So it’s super beneficial for younger and older alike.

 

You’ll hear from three inspiring speakers (including Billy Graham, 2011 NZ of the Year Kiwibank Local Hero) and there will be giveaways!

 

Feel free to check out the event. Plus, it’s FREE!

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https://www.eventfinda.co.nz/2018/goals-inspiring-speaker-series-for-youth-parents/lower-hutt

10 Wacky, yet true, Winter survival tips

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By Lance Shearman

 

Lance shares his secrets for coming through winter unscathed: snuggle in a sauna wearing mittens and second-hand clothing while watching Mike McRoberts and Seinfeld.

 

1. Mittens. These are all about first impressions. Shaking people’s hands in winter can leave a lasting impression you can do without. Warm welcomes are always in fashion. It also shows confidence and elegance when you say, “I do not need my fingers individually wrapped.”

 

2. Hunker down for winter! The one thing we can learn from nature, is the amount of animals that hibernate for the cold season. My research team confirm there are at least two animals that do this through winter, those two know how life should be done. So, when the street lights go on, come inside and get some rest.

 

3. Seinfeld! Every winter we all need to relive the entire nine seasons of the most brilliant comedy show of all time! The “show about nothing” will make you feel you have actually watched something, when in truth you haven’t. Michael Richards as Kramer is amazing. If you have seen him in his more recent stand-up work, you may struggle to get back on this wagon.

 

4. Shut the front door. If you have children, they will be spending more time inside. You may have notice a lot more noise in the home lately, so, here’s a tip: initiate the “two door policy”. Make sure there are at least two doors closed between “us” and “them” at any given time. The more doors you have closed between you, the better. If you only have one door, ask a tradie, or handyman to add another (there is currently a six-year wait period for tradies). 

 

5. Snuggle more. This is the perfect time of year to re-introduce yourself to your loved one and so benefit off each other’s radiated heat. They may have some questions about where you have been for the last nine months, but you will smooth this over in your usual way I am sure.

 

6. Get out of here! Go on holiday … somewhere warm ... nothing more to add.

 

7. Move your desk. If you have watched a movie where a boat has sunk or a plane has crashed in the mountains, the people will always huddle together. This is also a great idea in the winter work place! Move all your desks to one spot in the office and stay tight. Just remember that unlike the movies, no one will come to rescue you. So you may need to come up with your own words to yell if you are concerned for your safety.

 

8. Got a sauna in your living room? Why not? Ever wanted to go find a warmer part of the house, but still wanted to keep up to date with the latest current events and news on TV1? For this you will need, a living room, a sauna, and 1x towel. The sauna and living room are self-explanatory, the towel is to wipe the sweat and mist off glasses so you can keep your eyes on Mike McRoberts.

 

9. Pre-warmed clothing. They say that your bed mattress doubles in weight after eight years of use. Imagine how much extra warmth could be found down at your local second-hand clothing store after someone has worn that jacket for eight years. As our skin gets thinner with age, the combination of pre-loved wool and skin cells could be the new feather down!?

 

10. Warm someone else up. Winter can be a tough time for all of us. It is dark, we get stuck inside, the wind beats us up, and our umbrellas turn inside out. Research shows that when we give, we not only brighten the other person’s day, we actually feel warmer ourselves. Send someone a card, make someone soup, do something to warm someone’s day!

 

Lance Shearman is a Registered Financial Adviser with Velocity Financial. No investment decision should be taken based on the information in this blog alone. A Disclosure Statement is available free of charge upon request

How do tiny houses stack up?

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By Stevie Waring

 

Is the tiny house the answer for the struggling first-home buyer? Definitely “yes” for some; definitely “no” for others.

 

In recent years, it has become more and more difficult to be a first-home buyer in New Zealand and renting has become more expensive in many parts of the country.

 

Naturally, many people have come up with alternative solutions. Some students have chosen the “go big” alternative where you live with 10 or more people in the hope of splitting costs. Or you may want a waterfront property without the price tag? Enter the houseboat life. Or you may be a young person, family or couple that wants a home but have no idea how to fund it.

 

This is exactly where the tiny home revolution has taken off. The idea being that you can live a minimalist lifestyle in a carefully designed bespoke small space that is both efficient in space and cost.

 

Apart from the creativity and innovation of it, the biggest bonus of a tiny house is the price. You essentially pay for a standard base plan, and then you pay per room after that. It is totally customisable. It allows you to be creative and unique with your space while giving you the financial freedom to spend your money on higher quality items that may have been unavailable to you with a regular home, such as full insulation, solar panels or beautiful hardwood floors, for example.

 

So how do you pay for it?

 

In Wellington, the average house price is $639,112 (as of June 2018, QV.co.nz) but basic tiny houses are less than $100,000. That’s a no-brainer, right?

 

The short answer is that you can do it, but a bank won’t necessarily give you a mortgage for it.

 

If you see a tiny home in your future, here are a few things to consider:

·         Where will you put it?

o   If you’re planning to buy land, you may be able to use your KiwiSaver.

o   If you have friends or family with some land, it’s probably easiest to put it there.

·         Do you or family have an existing mortgage?

o   If you or your family have existing equity in your property, you may be able to refinance it to access that cash to put towards your new tiny home.

 

Long story short: If you are looking to lead a simpler, more efficient lifestyle that is cheaper in the long-term, then this may well be the solution for you.

 

If you are looking for an alternative to buying a first home because you may not have the funds for a deposit yet, this may not be the solution for you.

 

As with everyone situation, there is often more than one answer, so give us a ring and we can talk through your options—big or small.