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	<title>Thorners &#187; KiwiSaver</title>
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		<title>January 2012 Newsletter</title>
		<link>http://www.thorner.co.nz/2012/01/24/january-2012-newsletter/</link>
		<comments>http://www.thorner.co.nz/2012/01/24/january-2012-newsletter/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 01:53:04 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Fire and General Insurance]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[KiwiSaver]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Ansvar insurance]]></category>
		<category><![CDATA[Hawkes Bay Life Insurance]]></category>
		<category><![CDATA[Insurance Transfer]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Tower]]></category>
		<category><![CDATA[Tower Insurance]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1515</guid>
		<description><![CDATA[Client below to read our first newsletter for 2012!!  January 2012 newsletter Click here to view our disclosure statement.Click here to email Thorners or Call Us on (04) 528 8088&#160;]]></description>
			<content:encoded><![CDATA[<p>Client below to read our first newsletter for 2012!! </p>
<p><a href="http://www.thorner.co.nz/wp-content/uploads/2012/01/January-2012-newsletter1.pdf">January 2012 newsletter</a></p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>KiwiSaver changes&#8230;..</title>
		<link>http://www.thorner.co.nz/2012/01/18/kiwisaver-changes/</link>
		<comments>http://www.thorner.co.nz/2012/01/18/kiwisaver-changes/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 00:33:23 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[KiwiSaver]]></category>
		<category><![CDATA[ANZ]]></category>
		<category><![CDATA[ANZ KiwiSaver]]></category>
		<category><![CDATA[KiwiSaver changes]]></category>
		<category><![CDATA[KiwiSaver membership]]></category>
		<category><![CDATA[understanding KiwiSaver]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1510</guid>
		<description><![CDATA[Interesting article on stuff this morning regarding KiwiSaver &#8211; highlights why you should make an appointment to meet with an Authorised Financial Advisor (AFA) about your KiwiSaver.   Call us now to make an appointment! http://www.stuff.co.nz/business/money/6282134/ANZ-calls-for-KiwiSaver-change Click here to view our disclosure statement.Click here to email Thorners or Call Us on (04) 528 8088&#160;]]></description>
			<content:encoded><![CDATA[<p>Interesting article on stuff this morning regarding KiwiSaver &#8211; highlights why you should make an appointment to meet with an Authorised Financial Advisor (AFA) about your KiwiSaver.   Call us now to make an appointment!</p>
<p><a href="http://www.stuff.co.nz/business/money/6282134/ANZ-calls-for-KiwiSaver-change">http://www.stuff.co.nz/business/money/6282134/ANZ-calls-for-KiwiSaver-change</a></p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Chance to win a share of $15,000 to live the life you want&#8230;..</title>
		<link>http://www.thorner.co.nz/2011/09/01/chance-to-win-a-share-of-15000-to-live-the-life-you-want/</link>
		<comments>http://www.thorner.co.nz/2011/09/01/chance-to-win-a-share-of-15000-to-live-the-life-you-want/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 04:43:29 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Fire and General Insurance]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[KiwiSaver]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[apply online life insurance]]></category>
		<category><![CDATA[Hastings insurance broker]]></category>
		<category><![CDATA[hawkes bay insurance broker]]></category>
		<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[sovereign life insurance]]></category>
		<category><![CDATA[Sovereign's Life's Choice competition]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1477</guid>
		<description><![CDATA[Play the Sovereign Life&#8217;s Choice Game and be in to win a share of $15,000 to live the life you want. Visit Sovereign&#8217;s website www.sovereign.co.nz/chooselife/#/start to enter the competition and be in to win! If you are not currently a Sovereign client, contact us for Life Insurance quotes and to arrange an application now!  Sovereign also offer [...]]]></description>
			<content:encoded><![CDATA[<p>Play the Sovereign Life&#8217;s Choice Game and be in to win a share of $15,000 to live the life you want.</p>
<p>Visit Sovereign&#8217;s website <a href="https://www.sovereign.co.nz/chooselife/#/start">www.sovereign.co.nz/chooselife/#/start</a> to enter the competition and be in to win!</p>
<p>If you are not currently a Sovereign client, contact us for Life Insurance quotes and to arrange an application now!  Sovereign also offer very competitive home loan options that have no transactional fees.  If you are contemplating a new purchase or have a fixed rate rollover coming up, speak to us now about your options.</p>
<p>We are award winning insurance brokers who service clients nationwide, so if you desire service excellence, contact us for a full insurance review soon.</p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Australia Super transfer to New Zealand update&#8230;..</title>
		<link>http://www.thorner.co.nz/2011/07/11/australia-super-transfer-to-new-zealand-update/</link>
		<comments>http://www.thorner.co.nz/2011/07/11/australia-super-transfer-to-new-zealand-update/#comments</comments>
		<pubDate>Tue, 12 Jul 2011 02:03:11 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[KiwiSaver]]></category>
		<category><![CDATA[Aussie Pension Transfer to New Zealand]]></category>
		<category><![CDATA[Australian super transfers]]></category>
		<category><![CDATA[Overseas Pension Transfers]]></category>
		<category><![CDATA[Overseas Super Transfers]]></category>
		<category><![CDATA[Pension and Savings]]></category>
		<category><![CDATA[Pension trasnfer to New Zealand]]></category>
		<category><![CDATA[Retirement savings]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1460</guid>
		<description><![CDATA[(courtesy of Fisher Funds). It has been a while since we provided an update on the Trans Tasman portability of your Super and this hasn’t been because we have forgotten about it. Unfortunately the process is taking a little longer than everyone initially anticipated. The required legislation has been passed in New Zealand and we [...]]]></description>
			<content:encoded><![CDATA[<p><em>(courtesy of Fisher Funds).</em></p>
<p>It has been a while since we provided an update on the Trans Tasman portability of your Super and this hasn’t been because we have forgotten about it. Unfortunately the process is taking a little longer than everyone initially anticipated. The required legislation has been passed in New Zealand and we are waiting for Australia to do the same in order to keep the process moving.</p>
<p>The Australian Treasury office has recently confirmed that they have reached the drafting stage for the scheme legislation which will allow the return of retirement savings to New Zealand workers whose super has been locked in Australia since they returned to New Zealand.</p>
<p>Whilst this is a great step forward we will still have to wait until the legislation is passed in Australia and think that this may not be until early 2012. However we will continue to keep you updated on progress.</p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Fuel prices rising again despite high NZ dollar, but Christchurch again spared from the hike.</title>
		<link>http://www.thorner.co.nz/2011/06/14/fuel-prices-rising-again-despite-high-nz-dollar-but-christchurch-again-spared-from-the-hike/</link>
		<comments>http://www.thorner.co.nz/2011/06/14/fuel-prices-rising-again-despite-high-nz-dollar-but-christchurch-again-spared-from-the-hike/#comments</comments>
		<pubDate>Wed, 15 Jun 2011 01:45:11 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Fire and General Insurance]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[KiwiSaver]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Christchurch]]></category>
		<category><![CDATA[Christchurch Earthquake]]></category>
		<category><![CDATA[NZ Dollar]]></category>
		<category><![CDATA[Petrol Prices]]></category>
		<category><![CDATA[Price Increase]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1368</guid>
		<description><![CDATA[Read the latest stuff.co.nz news article on Petrol Price rise. Click here to view our disclosure statement.Click here to email Thorners or Call Us on (04) 528 8088&#160;]]></description>
			<content:encoded><![CDATA[<p>Read the latest stuff.co.nz news article on <a title="Petrol Price Rise" href="http://www.stuff.co.nz/business/money/5144917/Petrol-goes-up-except-in-Christchurch" target="_blank">Petrol Price </a>rise.</p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>KiwiSaver Budget 2011 Changes</title>
		<link>http://www.thorner.co.nz/2011/05/24/kiwisaver-budget-2011-changes/</link>
		<comments>http://www.thorner.co.nz/2011/05/24/kiwisaver-budget-2011-changes/#comments</comments>
		<pubDate>Wed, 25 May 2011 00:53:08 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[KiwiSaver]]></category>
		<category><![CDATA[2011 Budget]]></category>
		<category><![CDATA[KiwiSaver changes]]></category>
		<category><![CDATA[KiwiSaver membership]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1348</guid>
		<description><![CDATA[The Budget 2011 announced changes to KiwiSaver, Working for Families and Student Loans. The proposed changes to these schemes are intended to make the schemes more sustainable. For more information, fact sheets and media statements providing information on these changes please click on the below link: http://taxpolicy.ird.govt.nz/news/2011-05-19-budget-2011-tax-announcements Click here to view our disclosure statement.Click here to [...]]]></description>
			<content:encoded><![CDATA[<p>The Budget 2011 announced changes to KiwiSaver, Working for Families and Student Loans. The proposed changes to these schemes are intended to make the schemes more sustainable.</p>
<p>For more information, fact sheets and media statements providing information on these changes please click on the below link:</p>
<p><a href="http://taxpolicy.ird.govt.nz/news/2011-05-19-budget-2011-tax-announcements">http://taxpolicy.ird.govt.nz/news/2011-05-19-budget-2011-tax-announcements</a></p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		</item>
		<item>
		<title>Thorners May 2011 Newsletter</title>
		<link>http://www.thorner.co.nz/2011/05/19/thorners-may-2011-newsletter/</link>
		<comments>http://www.thorner.co.nz/2011/05/19/thorners-may-2011-newsletter/#comments</comments>
		<pubDate>Fri, 20 May 2011 02:28:12 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Fire and General Insurance]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[KiwiSaver]]></category>
		<category><![CDATA[2011 Budget kiwisaver changes]]></category>
		<category><![CDATA[earthquake insurance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Investing wisely]]></category>
		<category><![CDATA[KiwiSaver changes]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1338</guid>
		<description><![CDATA[KiwiSaver Changes announced! Click here to read our May 2011 newsletter Click here to view our disclosure statement.Click here to email Thorners or Call Us on (04) 528 8088&#160;]]></description>
			<content:encoded><![CDATA[<p>KiwiSaver Changes announced!</p>
<p><a href="http://www.thorner.co.nz/wp-content/uploads/2011/05/May-2011-newsletter.pdf">Click here to read our May 2011 newsletter</a></p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Thorners November 2010 Newsletter</title>
		<link>http://www.thorner.co.nz/2011/02/03/thorners-november-2010-newsletter/</link>
		<comments>http://www.thorner.co.nz/2011/02/03/thorners-november-2010-newsletter/#comments</comments>
		<pubDate>Fri, 04 Feb 2011 00:35:57 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[KiwiSaver]]></category>
		<category><![CDATA[KiwiSaver changes]]></category>
		<category><![CDATA[Pension Transfers]]></category>
		<category><![CDATA[Savings plan]]></category>
		<category><![CDATA[UK Pension Transfers]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1214</guid>
		<description><![CDATA[Read about UK Pension Transfers and KiwiSaver. Click here to read the November 2010 Newsletter. Click here to view our disclosure statement.Click here to email Thorners or Call Us on (04) 528 8088&#160;]]></description>
			<content:encoded><![CDATA[<p>Read about UK Pension Transfers and KiwiSaver.</p>
<p><a href="http://www.thorner.co.nz/wp-content/uploads/2011/02/nov-2010-newsletter.pdf">Click here to read the November 2010 Newsletter.</a></p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Thorners December 2010 Newsletter</title>
		<link>http://www.thorner.co.nz/2011/02/02/thorners-december-newsletter/</link>
		<comments>http://www.thorner.co.nz/2011/02/02/thorners-december-newsletter/#comments</comments>
		<pubDate>Thu, 03 Feb 2011 02:00:08 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[KiwiSaver]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[funding retirement]]></category>
		<category><![CDATA[hawkes bay insurance broker]]></category>
		<category><![CDATA[KiwiSaver changes]]></category>
		<category><![CDATA[KiwiSaver membership]]></category>
		<category><![CDATA[sovereign life insurance]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1209</guid>
		<description><![CDATA[Did you know that you can insure your KiwiSaver contributions so that if you fall ill and are unable to work, then they can continue? Thorners December 2010 newsletter www.thorner.co.nz Click here to view our disclosure statement.Click here to email Thorners or Call Us on (04) 528 8088&#160;]]></description>
			<content:encoded><![CDATA[<p>Did you know that you can insure your KiwiSaver contributions so that if you fall ill and are unable to work, then they can continue?</p>
<p><a href="http://www.thorner.co.nz/wp-content/uploads/2011/02/Dec-2010-newsletter1.pdf">Thorners December 2010 newsletter</a></p>
<p><a href="http://www.thorner.co.nz">www.thorner.co.nz</a></p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Thorner Investment Services Ltd</title>
		<link>http://www.thorner.co.nz/2010/11/01/thorner-investment-services-ltd/</link>
		<comments>http://www.thorner.co.nz/2010/11/01/thorner-investment-services-ltd/#comments</comments>
		<pubDate>Mon, 01 Nov 2010 21:30:05 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[KiwiSaver]]></category>
		<category><![CDATA[ASB KiwiSaver]]></category>
		<category><![CDATA[Childrens KiwiSaver]]></category>
		<category><![CDATA[Equitable investment]]></category>
		<category><![CDATA[fidelity KiwiSaver]]></category>
		<category><![CDATA[Marac Debenture]]></category>
		<category><![CDATA[OnePath Kiwisaver]]></category>
		<category><![CDATA[Select Investments]]></category>
		<category><![CDATA[UDC debenture]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1121</guid>
		<description><![CDATA[Peter West has arrived and Thorner Investment Services has begun. Contact Peter if you need any KiwiSaver or investment advice. Peter@thorner.co.nz Click here to view our disclosure statement.Click here to email Thorners or Call Us on (04) 528 8088&#160;]]></description>
			<content:encoded><![CDATA[<p>Peter West has arrived and Thorner Investment Services has begun.</p>
<p>Contact Peter if you need any KiwiSaver or investment advice.</p>
<p><a href="mailto:Peter@thorner.co.nz">Peter@thorner.co.nz</a></p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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