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- Case Studies (13)
- Fire and General Insurance (33)
- Home Loans (31)
- Investments (25)
- KiwiSaver (41)
- Life Insurance (57)
- Uncategorized (11)
Thinking home equity release…
Category: Home Loans
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If you are considering a Sentinel Lifetime loan or just thinking about home equity release then there are some wise words to consider from this link. Speak with Thorners if you have any questions.
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Sentinel Lifetime Loan Interest Rate Change July 2010
Category: Home Loans
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Effective from 1 July 2010 Sentinels Lifetime loan interest rate will be 7.10% p.a. This reflects the current market and continues to make the Sentinel Lifetime Loan a great choice for any retired New Zealander’s struggling with their cash flow. Contact Thorners if you need finer details on the loan and how it may work for yourself or your parents. Experience the Thorners “no fuss” planned approach to financial freedom and protection
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Thorners June 2010 Newsletter
Category: Life Insurance, Uncategorized
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Follow the link to read Thorners June 2010 Newsletter
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KiwiSaver – the key to your first home
Category: KiwiSaver
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As we approach the third anniversary of KiwiSaver, many New Zealanders will be thinking about the tax free government housing subsidy available from 1 July 2010 – just one of the many benefits of KiwiSaver. In addition, members will be able to apply to withdraw their contributions to buy a first home or purchase land to build a first home. So, how does it work? First home deposit subsidy After 3 years of contributing at least 2% of their income to KiwiSaver, members will be able to apply for a one-off grant* of $1,000 for each year they’ve contributed to KiwiSaver. The subsidy increases by $1,000 per year up to $5,000. So, if they successfully apply for the subsidy after 5 years of contributing to KiwiSaver, they will receive $5,000. Eligible couples can also combine their subsidies up to $10,000. First home withdrawal If members are eligible for this fantastic offer, they’ll stay a member of KiwiSaver and continue to grow their savings while taking advantage of the scheme’s other great benefits. For more information visit www.hnzc.co.nz or www.kiwisaver.govt.nz * Income, house caps and other eligibility criteria apply. Contact Thorners if you need any advice on KiwiSaver.
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Thorners April 2010 Newsletter
Category: KiwiSaver
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Click on the link below to download our latest newsletter which features KiwiSaver. Kiwisaver turns three very soon and has a huge following. Click here to see why in the april newsletter Click here to view our disclosure statement Click here to email Thorners or Call Us on (04) 528 8088
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Client – Self employed KiwiSaver Scenario
Category: Case Studies, KiwiSaver
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Client – Self employed Scenario Jonny joined KiwiSaver once he realised that the Government was going to help out with his savings, no matter if he earned money via a salary or not. Denis explained that most workers contribute either 2%, 4% or 8% out of their salary but if you aren’t paid via PAYE you can put in whatever you like. Jonny puts in $20 as that is the maximum the Government will match him with member tax credits. What do you like about KiwiSaver Jonny? I didn’t want to miss out on what everyone else gets with KiwiSaver. I like that I have the freedom to put in whatever I like into my account. My business is my main focus at the moment but it’s good to know I’ll have a nest egg for when I do get older. Discuss your KiwiSaver options with Thorners. Click here to view our disclosure statement. Click here to email Thorners or Call Us on (04) 528 8088
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Client – 47 year old divorcee KiwiSaver Scenario
Category: Case Studies, KiwiSaver
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Client – 47 year old divorcee Sarah joined KiwiSaver as she wanted to get back on the property ladder. Sarah had previously owned her own home but when her marriage broke up she had to start back at scratch saving once more. What do you like about KiwiSaver Sarah? I didn’t realise that I could also be eligible for the Housing Corp subsidy, even though I had owned a property previously. Denis spoke to me about the ‘second chance’ home buyer which was just like the situation I am in. I’m saving again to buy my ‘first home’ with KiwiSaver – I can get the Housing Corp subsidy plus take out my contributions and my employers contributions after only three years – it’s given me a whole new independence! discuss your Kiwisaver options with Thorners. Click here to email Thorners or Call Us on (04) 528 8088 Click here to view our disclosure statement.
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Client – 55-65 year old KiwiSaver Scenario
Category: Case Studies, KiwiSaver
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Client – 55-65 year old scenario Jerry joined up with KiwiSaver last year. He’s 61 and while he’s already got plans in place for his retirement, Denis spoke to him about making the most out of KiwiSaver so he joined up. What do you like about KiwiSaver Jerry? It’s a no brainer for someone my age – I join, put in my $20 a week and the government matches it! By the time I retire I’ve worked out that I could have at least $11,000. That’s going to be my holiday to Europe! Discuss your Kiwisaver options with Thorners. Click here to email Thorners or Call Us on (04) 528 8088 Click here to view our disclosure statement.
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Monitored security alarms
Category: Fire and General Insurance
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The holiday season looms upon us again with both Easter and the May school holidays interlinking.
Many Kiwi families will be going on holiday so remember to ensure your home is safe and secure.
The use of monitored security alarms is a great tool and at Thorners we can also offer you a discount on your home and contents insurance policy for having this at your home. One of our alarm contacts is also offering to upgrade all of their monitored alarm clients alarms to include a monitored smoke detector. Contact us soon if you are interested in adding smoke detection to your monitored alarm system or just want a quote to see the difference in premiums that it can make. This discount is over and above the discounts we offer Gold Super Card holders. Click here to email Thorners or Call Us on (04) 528 8088
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KiwiSaver Statistics January 2010
Category: KiwiSaver
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KiwiSaver continues to gain momentum. At the end of January 2010 there were 1,305,127 members with potentially 491,330 being in default funds. There are benefits from choosing your own provider and fund so let’s talk about your options if you have gone to a default provider. If you are still sitting on the fence over whether to join or not, contact us soon to see if KiwiSaver fits your personal situation. The ability to transfer Australian Super into KiwiSaver is still not in place and this is expected mid year – watch our website for developments. Members continue to be amazed with the speed with which their funds are accumulating. If your provider doesn’t offer online access, give us a call and we can discuss options to make this facility available 24/7. We welcome your call or email to ask about KiwiSaver and look forward to hearing from you soon. Click here to view our disclosure statement. Click here to email Thorners or Call Us on (04) 528 8088
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