Grey Power March 2017

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16 NZ GREYPOWER MAGAZINE » MARCH 2017 FIRST MORTGAGE TRUST The Smart Investment If you are looking for an investment opportunity offering competitive returns and backed by a portfolio of loans secured by first mortgages, then First Mortgage Trust is the team you should be talking to. We have been in business for more than 20 years and are proud to have provided consistently higher returns to our investors. Returns currently exceed the average 12month term deposit rates of New Zealand trading banks by close to 2 percent. Investors can choose either to deposit a lump sum, make regular contributions by automatic payment, or make further investments at intervals that suit you, the investor. Investor income is paid quarterly and can be compounded or paid to your nominated New Zealand bank account - the choice is yours. Our term of investment is not fixed, although we do encourage investors to allow their investment to grow over the medium to long term. All loans are secured by registered first mortgages over selected residential, commercial and rural properties across New Zealand. We have no related party loans. The balance of investor funds are held in New Zealand bank deposits. First Mortgage Managers Limited manages the Trust on behalf of investors and is a licenced manager under the Financial Markets Conduct Act. Please contact us for a copy of our Product Disclosure Statement – Ph 0800 321 113 or visit our website - www.fmt.co.nz
NZ GREYPOWER MAGAZINE » MARCH 2017 17 Insulating for healthy homes A couple on the Kapiti coast say having their home insulated has made it much easier to heat. Laurie and Evelyn have lived in their home for more than 25 years and knew it was too cold. They became aware they might qualify for free ceiling and underfloor insulation through EECA, the Energy Efficiency and Conservation Authority. From July, the insulation is offered to tenants with a Community Services Card. The programme may also accept referrals from low-income households with health conditions related to cold, damp housing. Evelyn and Laurie Further details will be available by 1 July 2016. Check the Energywise website below. Laurie says getting the insulation installed was quick and easy and the house is much cosier. “The house is much warmer and retains heat at the end of the day.” If you are renting, visit www.energywise. govt.nz to find out if you qualify for the free insulation. Don’t be a victim - be aware of scams! Fraudsters use a victim’s emotions to create a sense of urgency, insisting that the victim send money using a money transfer service such as Western Union. For example, in perpetrating a tax scam, the fraudster may claim that the victim has outstanding taxes that need to be settled immediately to avoid arrest or having their assets frozen. The fraudster will ask the victim to send the amount to pay the taxes immediately via money transfer, direct to a bank account or even to purchase gift cards. To help protect yourself against fraud, Wayne Howarth, Western Union, regional fraud risk manager, Asia Pacific says: “Awareness is the best defence. These scams can be convincing, but it’s important to verify before sending any money.” Follow these tips to help avoid falling victim to a scam: • Never send money to an individual for the payment of tax charges or fees tax scam. • Never send money to an individual you have not met in person. • Never send money to claim a lottery, prize winnings or compensation payment. • Never send money for an employment opportunity. • Never send money for internet purchases. • Never send money to a grandchild, friend or family member for an emergency situation you have not personally confirmed. Detective Senior Sergeant Iain Chapman of Financial Crime Group New Zealand states: “Always verify situations before sending any money. “If it is too good to be true, it probably is - if in doubt, seek professional advice.” To learn more about common scams and how to protect yourself from fraud, visit our website at: https://www.westernunion.com/nz/en/fraud-awareness. html or visit www.scamwatch.govt.nz. For more tips against scams watch how the Advanced Fee/Prepayment Scam plays off people’s emotions at https://youtu.be/MVhhy_E1184. Useful scam prevention advice at https://www.youtube.com/ watch?v=kDt4SEvQZWk. Evelyn and Laurie Evelyn says she’s a fan of EECA tips: • Make sure you ventilate your home, even in winter, by opening doors or windows for about 20 minutes a day. Having lots of moisture in your home makes it harder to heat. • Dry washing outside or in the garage or carport. Drying them indoors or with a clothes dryer that is not ducted to the outside will increase the moisture in the air, making your home damper. • Unflued gas heaters are bad for your health as they release large amounts of moisture and toxic combustion gases into your house. They can also be a fire hazard. Never use them in a bedroom. A cheap electric heater costs less to run and won’t make your house damp. • Consider using a dehumidifier together with a heater. Having a warm room makes it easier for a dehumidifier to extract moisture. F ABSORBENT UNDERWEAR FOR BLADDER LEAKAGE PAD FREE & FULLY WASHABLE March 2017 0216CFX027C Our patented three layer textile technology rapidly transfers moisture away from your body, breathes then dries. Meaning you can wear it all day with confidence. Now available in selected pharmacies. Go to www.confitex.nz to find a store near you!
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