North Shore Times : February 14th 2013
www.northshoretimes.co.nz 8 NORTH SHORE TIMES, FEBRUARY 14, 2013 NEWS North Auckland and Northland grid upgrade project Esmonde Rd Northcote Northern Motorway Northcote Point Birkenhead Onewa Rd Lake Rd Oceanview Rd Raleigh Rd Exmouth Rd Cable route, installed in existing ducts Approximate location of worksites alongside motorway Key 1 At Onewa interchange -- buses merge with general traffic late Feb to March At Onewa Road South Bound on-ramp -- buses merge with general traffic late Feb to March Exmouth Footbridge -- speed restrictions. www.transpower.co.nz TranspowerNZ 0800 655 463 @TranspowerAKL ( Transpower is installing underground electricity cables alongside the southbound lanes of the Northern Motorway between the Auckland Harbour Bridge and Esmonde Road. From late Feb to March buses travelling from Onewa Road and along the Northern Busway will merge with general traffic at the Onewa interchange and the Onewa Road South Bound on ramp. Speed restrictions will apply. We apologise for any inconvenience and thank drivers and public transport users for their patience while work on the grid upgrade on the North Shore is completed. Final stage of underground cabling on North Shore Feb 2013 -- June 2013 NST14213 FEBRUARY SPECIALS -- All prices GST Inclusive While Stocks Last -- Free Courtesy Trailer 1ST GRADE PLYWOOD 17mm 2400x1200 CD UT.....................$44.00ea 7mm 2400x1200 DD UT.......................$26.00ea 12mm 2400x1200 CD H3.....................$59.00ea 7mm 2400x1200 DD H3 .......................$32.00ea 9mm 2400x1200 CD H3.......................$49.00ea SECOND/DAMAGED PLYWOOD Various sizes & treatments ......... from $20.00ea SECOND/DAMAGED FIBRE SHT 1800X1200X6MM ........................ only $15.00ea SECOND/DAMAGED GIB SHT Various sizes & types................... only $10.00ea FARM PACKETS Various sizes & treatments .......... from $50.00ea INSTORE SPECIALS Jailer Fence Hardware......65% off RRP Hand Tools........................35% off RRP Power Tools ......................15% off RRP Prenail and Truss Specialists -- Quoting Service Available Hours: 7:00am--5:00pm Weekdays -- 8:00am-12noon Saturdays 66 Bush Road, Albany Phone 415 6889 Fax 415 6661 email: email@example.com WE CAN DELIVER CALL IN AND SEE US FOR ALL YOUR BUILDING REQUIREMENTS & RECEIVE TRADE PRICES ALBANY TIMBER ITM 5015442AP Car finance never plays hard to get MONEY'$ The hardest thing about car finance is not getting it. A strange and bold claim, but one that is none-the-less true. Offers of car finance are pretty hard to avoid when you are shop- ping for a replacement car. Back in the mad, bad old days before the collapse of vehicle finance companies like Provincial Finance and Western Bay Finance scream- ing ads on the telly pumped ninja car loans -- No Income, No Job or Assets. Beneficiaries can, in some circum- stances, still get car loans, but for the rest of us an income and a pulse are the main requirements a lender will look for. The first rule of car finance is that not all loans are created equally. So anyone accepting the first loan they come across is making a cardi- nal error. The two great costs of car loans (as long as you don t miss payments and start incurring punishing default interest and costs) are the application charges and the inter- est.At Kiwibank, for example, the fee is $275 for a car loan, but with a winning smile and a hard nose, peo- ple do get banks to waive fees. Interest varies, but the range at Kiwibank runs from 12.99 per cent to 18.99 per cent depending on who you are and the security you may choose to pledge. I tend to think of the AA vehicle finance costs as being a national standard. Its rates start at 10.95 per cent, though such start at or rates from advertising formula- tions are a trap for the unwary. You can t assume you ll get the lowest rate and lenders don t shout about their top rates, which can eas- ily top 20 per cent. Far lower rates are often avail- able to new car buyers through finance companies associated with the particular brand of car they are buying, but that tends to be for pricey new or near-new cars. For those with a house topping up the mortgage is an option. While that might seem a no brainer, unless you pay it off quickly, you can end up repaying that $9,000, $18,000, or 25,000 over the remaining period of your mort- gage which means paying less inter- est for far longer. The second great rule of vehicle finance is that the wrong place to get a car loan is at the dealership when you are out shopping for a new car. It s too easy to fall prey to emo- tion and slick salesmen as weekly, fortnightly or monthly repayments make large debts sound manage- able. Arrange finance before visiting the showrooms, or Trade Me, or print ads. You can explore your options in peace at home (check out the online get into debt calculator at the Sor- ted.govt.nz website) without that lovely, shiny vehicle gleaming at you appealingly. Start at your own bank, building society or credit union. AA members should always give the AA the chance to beat the bank to the deal. The third great rule of car finance is never, ever, go guarantor for a youngster on a vehicle loan, particu- larly if the financier invites you to pledge your house as security. The woe that can follow is just not worth it. Don t: Accept the first offer of finance Go shopping for a car without finance in place Buy on finance if you can possibly help it Assume that just because the finance looks cheap, it is Forget that debt means risk. Rob Stock is a finance journalist in the Fairfax Business Bureau and money editor of Sunday Star-Times. Fishing contest dangles prizes Thousands of dollars worth of prizes will be up for grabs in the annual Leigh Family Fishing Contest on March 23. A 4.85m Surtees boat powered by a 4-stroke 60hp Yamaha out- board heads the top of the list and a proportion of proceeds will be donated to the Westpac Rescue Helicopter Trust. Go to leighfamilyfishing.org.nz for ticket information.
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