Wayne,

I’m glad it worked out with the ANZ! You will be happy with the service they provide you

Regards,
Ozi

From here:

http://www.stuff.co.nz/stuff/waikatotimes/0,2106,3210797a6004,00.html

Sorry, I should correct myself. The agent I was referring to was Jenny from Lamberton’s, not Linda (she works for Harvey’s I think). Just wanted to clear this up.

Regards,
Ozi

It may be a bit late, but couldn’t you have made it a condition in the contract that you would only settle if the junk was cleared? Also, if you hold back $25k on settlement, won’t that mean you are in breach of the contract? I know it’s a difficult situation, maybe speak to your solicitor about this and see what they say.

Regards,
Ozi

I had some fish and chups at a place in Taumaranui… forget the name. But I think it should have been called ‘oil and chips’ instead. The fish, or what there was of it, was probably 60% batter, 30% oil, 10% fish.

Aussie fish and chips rules!

Ozi

http://www.kpimagazine.co.nz

You can order online. Around ~$11 AUD per magazine.

aussieemail,

I’m in Dunedin at the moment. I spent a day looking at properties here. Although it’s a beautiful city (I love the place!!), returns are not that great. It is hard to get 8% deals here. However, if cashflow isn’t your game and you prefer capital growth, I say there are great opportunities here in Dunedin.

I’d book a flight over here and look around yourself, because you won’t truly appreciate the beauty of the place until you do!

Regards,
Ozi

Hi unannounced,

Although I’m no professional, i’ve been bodybuilding for the past 4 or so years, so I’ll give you a few tips to improve you health/fitness.

Yes there is – it’s called diet! [biggrin] No matter how much exercise you do, how much weight you can lift in the gym, your mental alertness, energy levels, etc… all come down to nutrition. If you eat junk, you feel like junk. Try and eat a clean balanced diet rich in protein, moderate carbs, and moderate fats. Your protein should come from lean meats – fish, chicken breast, red meats, etc.. Eggs are good too. Carbs – go for the low glycemic carbs such as oats, basmati rice, sweet potatoe. This will keep you fuller for longer and will keep your energy levels up for longer. Avoid sugar, sweets, etc.. as this will give you a quick energy fix, then put you to sleep 15 minutes later. Fats – you need these to be healthy! Only the bad saturated fats should be avoided. Healthy fats such as nuts, olive oil and flaxseed oil are great for a healthy body.

Other things which help are:
– Eat 5-6 smaller meals a day (eat every 3 hours). This keeps your metabolism ticking over.
– Exercise 3-5 times a week at most. No need to over do it. You will only over-train your body, hence it won’t recover fully.
– Sleep – yes, rest is important. This is when your body recovers.
– Change your training routine every 4-8 weeks. This will keep your body guessing and reduce the plateau effect on results from doing the same exercise endlessly, over and over.

Cheers
Ozi

I’ve been told that even if you have a NZ trust, you still need to pay capital gains tax here in Australia on profits gained from a sale. All the trust allows you to do is defer paying the tax to a later date of your choice. The only way to completely avoid paying CGT is to move to NZ for 6-12 months and become a NZ resident, where you will then be taxed under NZ laws. Since you are then a NZ resident, you can pay yourself the profits, then move back to Austrlia without getting taxed in Aus. There may be other ways, if you get super creative.

Regards,
Ozi