#home insurance NZ

[fintradetecsolution]

Best IFM Service provider | I Smart Facitech Pvt Ltd

Fintrade, as an Insurance Broker and Financial Advisor, is dedicated to helping clients reach their financial, insurance, and coverage goals.

[so-much-for-subtlety]

I just made a will and healthcare proxy thing online, I just need to get witnesses and a notary to sign.

[madhatterbri]

Word Of Mouth | D.P.

Summary: Damian having to deal with his obnoxious girlfriend when she's coming out of anesthesia from a small procedure 🤣😭 maybe she had a tooth removed or something lol so she'd be all full of gauze trying to hit on Damian, or saying inappropriate things about him lol and her jaw drops and the gauze falls out when he tells her they're already together 🤣

Requested by: @eringobragh420

Damian Priest Masterlist

WWE Masterlist

Taglist: @theworldofotps @smallestsnarkestgirl @mrsarcherofinfamy @terrortwinunicorn @brideofinfamy @miss-kuki-nz @hotwheels1108 @new-zealand-chic @magicalbuttertarts @eringobragh420 @missbmc94 @surdelcielo @hodgepodge-musings

"She's a.... she's still feeling the anesthesia,"

Damian had no idea what that meant until he saw his girlfriend. She was giggling while stumbling down the hallway. They decided to help her after she spent a few minutes talking to a parrot in the dentist's office.

"I'm so sorry. She is not normally like this," Damian apologized yet chuckled. He was definitely going to use this against her later.

"Not a problem. We've had people be combative. She just kept asking our poor bird if Polly wanted a cracker," the nurse informed him.

Damian laughed, then coughed to hide his laughter. There was no way his love was ever going to hear the end of this. The kind nurse told the patient that Damian would be taking her home.

She looked Damian up and down. A smile popped up on her pretty face. Her mouth filled with gauze to stop the bleeding from some work on her teeth. "Is this going to cost my insurance extra? I don't mind paying it,"

Damian shook his head and wrapped an arm around her. He helped her to the car. After he fastened her seat belt, he placed a sweet kiss on her forehead.

"I have a boyfriend," she told him.

"And he is very lucky to have you," Damian assured her.

The caring boyfriend sat in the driver seat. He turned on the car and started to drive back to their place.

"Are we in a rocket ship?" She asked and looked around the car's dashboard. "This feels like a rocket ship,"

"Nope, we are still on planet Earth.... Well, some of us are," he added.

"My boyfriend makes me feel out of this world," she gushed. Her head rested against the window as she stared at the road in a dreamlike state.

The ride was quiet then. Damian was touched. Even in her blitzed out state, she was still so madly in love with him. Y/N perked her head up when she noticed the houses around them.

"Hey, you know where I live? You must be psychic," she giggled.

"I know where you live because we are dating, mi amor. We have for about a year now,"

His words took a moment to connect to her brain. She opened her mouth in shock. The bloody gauze fell on to her lap.

"A year? We've been in space for a year?"

[xclowniex]

I’m really glad to see some mild deradicalization spreading through the left on tumblr. In many cases it’s true that a radical perspective is necessary, but in many cases, the radical position just is not materially the most helpful for the people it seeks to help and claims to represent. I like in the US and for years I desired radical revolution to completely overthrow and restructure the government. And yeah our government is horrible. The system sucks. But many of the people who would benefit most from a violent revolution wouldn’t make it through one. This has deradicalized me a ton. I don’t know what the answer is to fix the system, but I can no longer stand behind the extreme perspective. The way people are celebrating the LA fires encapsulates this perfectly

Literally this.

The violent revolution people are calling for will just make it harder for underserved groups.

What needs to happen is legislation changes, which does not work due to violence in a two party landscape which is the US.

Like here in NZ, protests work because if one of the two major parties doesn't pander to any side, then people vote for the minor parties and the major party is forced into a coalition government with two minor parties, which often will block certain policies the major party wants.

Like fuck NZ first, but they stopped the reversal of the foreign buyer ban thay national wants. The policy prevents people from overseas buying homes they don't intend to live in if they aren't a citizen. This is because a lot of people from overseas were buying houses and either leaving them empty or renting them out for far more than market rate

And conversely, national shut down the transgender bathroom bill, which would force trans folk to use the bathroom of our assigned sex at birth, which is a bill nz first wanted.

Like yes, protesting is still important in the US, but if you don't have a petition or aren't lobbying the government in tangent, nothing is going to change, especially under trump.

A violent revolution will just be shut down by military police.

And to give an example of how it would negatively affect underserved groups, well use insurance as an example since it's a hot topic.

Hospitals won't stop significantly overcharging during a violent revolution with insurance. You'll just have a bunch of people, but disproportionately disabled folk, having to pay their medical costs with no insurance.

And this is one of my main gripes with the left as a leftist myself. People are so focused on "sticking it to the man" that they'll step on their neighbors back.

Instead of building community which is what leftism is about, people are so individualistic that it starts to actively harm those they claim to be wanting to help

[iampikachuhearmeroar]

"nObOdY wAnTs To WoRk AnYmOrE!!!!" well, here's some snippets of the apparent numbers of applicants on seek, for jobs that i've applied to in the last few months, up to just this week:

to be an HR advisor officer in a call centre in sydney (i received the rejection email for this yesterday (23/8/24) morning like considering i applied 2 weeks late, yeah that's fair lol):

to be an HR coordinator, (employee experience) for another company in sydney:

to be a hub concierge at my local area's homelessness specialist services hub (i only applied for this to get ONE of my qualifications to ACTUALLY be useful- ie my certificate IV in housing):

a customer support and sales position at a local branch of a multinational logistics company:

a client administrator/coordinator role at a local aged care provider:

an HR admin position at some type of tech or finance firm where i am:

an admin support position for a local job provider program or something:

being a housing officer/community housing worker, again in sydney (and to use my cert IV in housing):

a scheduling and rostering position at a local aged care service:

being a support coordinator trainee at a local NDIS (aussie national disability insurance scheme) provider:

being a receptionist + administration assistant at a local real estate agent:

most of these i just got a "unlikely to progress" through seek, or outright ghosted. some of them did give me the auto reject email or an email from a person for rejection. but with these numbers..... how the fuck do you think people are ACTUALLY GETTING jobs????

and mind you, this is ONLY seek (which is a big job board in australia and NZ). I have NO idea the amount of applications these places ALSO HAVE across other platforms such as indeed, jora, adzuna, ethicaljobs (for the NGO/charity etc sectors for the jobs in housing or disability support jobs etc), the dreaded linkedin AND all the other job sites.... and actual employer sites that I've applied on directly. (except for the dept of communities and justice (dcj) housing officer job that I had an info session for just on wednesday this last week.... where there were 120 other applicants in there with me, but STATEWIDE [bc it's the new south wales gov housing dept homes nsw]). but yeah. fuck off with the "nobody wants to work anymore" bs.

[mediawhorefics]

I was just wondering how you are doing? Are you still in New Zealand?

how am i doing lmao ... that's a complicated question anon, but thank you for asking it. i appreciate that <3

under a read more cos a lot has been going on and idk how interested people are ?

so, i'm actually not in nz anymore. it's kind of a long story, but i had some health issues while i was there. which tbh made the experience quite challenging. as much as i loved the place (and ESP the people), dealing with all of that on my own over there was really difficult...

but yeah, basically i have a pre-existing eye condition that we thought was stable and that wasn't covered by my insurance and pretty much from the moment i got there .... it just started getting worse and worse and worse. which, yk. was stressful and expensive. and it got to the point where i need to get surgery for it. and it wouldn't have been covered over there so i had to fly back. and if i want to be covered in canada, i have to stay in canada. at least for a while.

so yeah, that sucked. and it's been extremely stressful. and painful too yk. it really feels like it took me a long time to settle there and start really loving it and really loving my job. and just when i was starting to feel settled/good about things, it was taken from me. so yeah, i miss it. i miss what it could have been. i feel really sad about it all. and anxious about the surgery ofc. and about not knowing WHEN i'll have the surgery yet and what kind of surgery it will be etc. and how much my sight is gonna worsen in the meantime.... and tbh im also dealing with a fair bit of pain associated with it too so that sucks. but then, a part of me is also kind of relieved to be back home cause dealing with all of that by myself was..... a struggle and at least now im with family.

so yeah.... it's just been a lot lately and i'm kind of exhausted and just.... trying to distract myself and not like...... worry about stuff too much? and try not to worry about what i'm gonna do after the surgery cos right now i just feel........ like an aimless failure with zero prospect who failed at this big project i spent soooo long planning and it is not fun rip.

so yeah, things have been complicated.

the one silver lining is that i was able to plan a beautiful last minute trip for myself before i left nz so i still go to visit a lot of the places i was dying to see. i did have to compromise, but yk. im glad i was able to give myself that before i left.

[thedeviousdevilxx]

Just some personal musings underneath lol

I'm not a deeply insecure person but neither am I a very confident person but I am very aware of how my living situation, and over all "life", and decor choices really doesn't paint me as a typical "adult". What do I mean by that? Well for one, I still live at ~home~. My parents are divorced and my mom got the house, and I've continued living here. I pay rent, even while I was in university, I continued to contribute to the household expenses, since my mom owns the house, basically towards taxes, insurance, utilities, as well as towards groceries. Besides that, I pay and buy everything else myself. Most adults however do tend to move out around 18 or sometime later, but eventually do move out at some point. And to be honest, I never felt the need to. (excluding when I lived in NZ with my sister for two years)

For a single women like me, my choices even if I wanted to move out would be, spend a significant amount on rent to live alone, in a tiny apartment, live with a roommate, stranger or friend, or live with a romantic partner. I don't date, never had in the traditional sense, I'm not inclined to people like that? People exhaust me but that's another story. The idea of living with someone I don't know freaks me the fuck out, and a friend doesn't seem ideal either as I worry it would ruin the friendship, and my friend's I do have, I've seen the way they live and yeah no, it'd be a disaster.

The insecure part of me worries how I'm perceived, more so by friends and family, as I've somehow failed attaining adulthood in the way Western culture views adulthood. I'm single, never seriously dated, I live at home, and another aspect of adulthood in how one decorates their home/apartment/bedroom etc. And my bedroom personally looks like a teen from the 80s, music and movie posters galore!

When you look at most "adult" rooms, the decor is cohesive, or at least with minimal decor on the walls, a painting, or family photos, or some other kind of photography, basically like an Ikea room setup or what you find in decor magazines. There might even be a color scheme! Not a bunch of rock stars on the wall.

There are parts of adulthood in the traditional sense I have achieved, I've worked since I was 13, starting with babysitting, then getting my first official job at 16 and been employed full and part time since then, only going unemployed for a few months and that's when I first moved to NZ and was just traveling, then after leaving NZ back to Canada during COVID and trying to find work (took me three terrible months and over 40 applications to get work!). I've graduated university. I pretty much do everything on my own for the most part, and am self sufficient, only relying on my mom occasionally. Perhaps we can co-dependent in some ways, but in this capitalistic hellscape, truly relying on oneself for everything is a struggle, which I don't wish on anyone but I do know some people do not have any support, or enough. Being single in this world is fucking expensive, so the more confident side of me realizes that as mother and daughter living together suits both of us quite fine, and it beneficial in many ways. She doesn't struggle financially and has semi-retired from work, and I sometimes get home cooked meals, and has a tolerable roommate, and my own full space that is my own.

And yet I feel given what is standard and fairly normal for people my age 30+, to be married, having kids or have kids, engaged, dating, living on their own, or with their partner, that I am somehow a very defective adult. That I'm lingering in some space between teenagehood and adulthood, that I'm not actually mature because I have not achieved these milestones of "standard adulthood".

I do however interrogate these feelings, and realize, that there is a lot of variety to what being an adult means, that there is no one way to BE an adult, and yet a lot do follow this path of adulthood, many because of how they are raised, what they want out of life(marrige & kids), some have no choice (getting booted from the home at 18 is something I learned happens a lot), or have a horrid home life that leaving is the best option for them to thrive. And also I know a lot has to do with economics. Recently there has been more attention paid to adults moving back home with their parents, or multi-general households becoming a thing now (I know it's common elsewhere in the world, but Canada, not so much at least not over the past 40+ years, and we're probably seeing this too due to immigration from countries where grandparents, parents and kids all live together is the norm) because cost of living has skyrocketed, along with unemployment, stagnating wages etc has made households struggle financially.

Anways there is no point to this post, other than I struggle between being quite content with my life, and living situation, and feeling insecure about it given how far outside the norm of adulthood I find myself in. I feel because I neither desire marriage, kids, or owning a home, that I am not fully an adult in the American/Canadian sense of adulthood. As a cis women, that also brings a whole slew of expectations, and yet my family has never ever pressured me into any of these roles which I am thankful and why I can live the way I want to.

[commercial-electrician-services]

Commercial Electrician Services in Australia

From bustling city centres to sprawling industrial parks, businesses across Australia rely on a safe and efficient electrical infrastructure. This is where the expertise of commercial electrician services becomes crucial. Unlike residential electricians who focus on homes, commercial electricians are specialists trained to handle the complex electrical systems found in businesses, offices, retail spaces, and industrial facilities. This blog post explores the vital role these professionals play in keeping Australian businesses powered.

What Sets Commercial Electricians Apart?

The electrical demands of a commercial property are vastly different from those of a residential home. Commercial electricians are equipped to handle:

High-Voltage Systems: Businesses often require higher voltage power than homes, demanding specialized knowledge and safety protocols.

Complex Wiring and Circuitry: Large-scale wiring, three-phase power, and intricate circuitry are common in commercial settings.

Specialized Equipment: Commercial electricians are trained to install and maintain equipment like transformers, switchboards, and generators.

Compliance and Regulations: Commercial electrical work is subject to strict Australian Standards and regulations, requiring meticulous adherence to safety and compliance codes.

This specialized training and experience distinguish commercial electrician services from their residential counterparts.

Essential Commercial Electrician Services

A range of services fall under the umbrella of commercial electrical work, including:

Electrical Installations: This includes installing wiring, lighting, power outlets, and other electrical components in new constructions or renovations.

Electrical Maintenance: Regular maintenance is crucial to prevent electrical faults, ensure safety, and prolong the lifespan of electrical systems. This may involve inspections, testing, and repairs.

Electrical Repairs: Addressing electrical issues promptly is essential to minimize downtime and prevent safety hazards. Commercial electricians are skilled in diagnosing and repairing a wide range of electrical problems.

Emergency Services: Electrical emergencies, such as power outages or electrical fires, require immediate attention. Many commercial electricians offer 24/7 emergency services to address these critical situations.

Testing and Tagging: This involves inspecting and testing portable electrical appliances to ensure they are safe for use. Regular testing and tagging is a legal requirement for many businesses.

Data and Communication Cabling: Modern businesses rely heavily on data and communication networks. Commercial electricians can install and maintain the necessary cabling infrastructure.

Lighting Design and Installation: Efficient and effective lighting is crucial for both functionality and aesthetics in commercial spaces. Commercial electricians can design and install lighting systems that meet specific business needs.

Prioritizing Safety and Compliance

Safety is paramount in any electrical work, but it takes on even greater importance in commercial settings due to the scale and complexity of the systems involved. Commercial electrician services in Australia operate under strict regulations and must adhere to Australian Standards (AS/NZS 3000) to ensure the safety of employees, customers, and the public. These regulations cover everything from wiring methods to safety testing procedures.

Choosing the Right Commercial Electrician

Selecting a qualified and experienced commercial electrician is crucial for any business. Consider these factors when making your choice:

Licensing and Insurance: Ensure the electrician holds the necessary licenses and insurance to operate in your state or territory.

Experience: Look for an electrician with a proven track record in commercial electrical work.

References and Reviews: Check online reviews and ask for references from previous clients.

Certifications and Training: Look for electricians with relevant certifications and ongoing training in the latest technologies and safety practices.

By understanding the importance of specialized commercial electrician services in Australia and taking the time to choose a qualified professional, businesses can ensure the safety, efficiency, and reliability of their electrical systems. This is an investment that pays dividends in the long run, minimizing disruptions and maximizing productivity.

[terina1]

TPD Insurance in NZ: How It Works and Why You Might Need It

Generally, we people like to focus on health or medical insurance to cover minor and major health problems. But we never think of curing or getting rid of permanent health issues. Here we are talking about "Total and Permanent Disability (TPD)." If you are a citizen of New Zealand then, you might be well aware of TPD. That provides financial support if you're permanently unable to work due to a disability.

In addition, with TPD insurance, you will be supported to cover all expenses and living costs which you can feel carefree and financially secure. However, if you still have some other query, then you would be able to clarify much stuff with this downward information also. So, it could be considered a good smart choice and a precious investment for the future also.

What is TPD Insurance?

You can best understand TPD insurance as a policy that helps you go through your lifetime. So, if permanent disability prevents you from working, a lump sum is received by availing of this policy. Secondly, in New Zealand, this is available as a stand-alone or as an add-on to life insurance.

In addition, if you depend on your income to make up for certain expenses, you should regard this as a good choice. Some of the expenses that fall into this category are mortgage repayments, the general cost of living, and support of long-term family dependents.

Types of TPD Insurance

There are majorly two types of TPD insurance in New Zealand you must take note of. These include:

Own Occupation TPD Insurance: First of all, if you are suffering from a permanent disability then "Own Occupation TPD Insurance" might help you. Owning it helps you in preventing you from performing the specific duties of your trained and experienced occupation.

Any Occupation TPD Insurance: The next we have is "Any Occupation TPD Insurance" which pays only when you are incapable of doing any job suitable to your training and experience. Also, it is usually less expensive than Own Occupation coverage but difficult to claim.

Remember, all policies offer different benefits, so over there you need to understand the variations. That can help you select the appropriate coverage according to your profession, lifestyle, and financial goals.

How Does TPD Insurance Work?

There are some significant factors that you need to consider in case you want to find out the working efficiency of TPD Insurance. These comprise:

It covers you and gives you a lump sum payment in case you are permanently disabled.

It helps you achieve financial security that may meet a requirement such as rehabilitation, doctors, or a change of lifestyle which is quite unavoidable.

Claim Process for TPD Insurance

For the TPD insurance claim process, medical proof of permanent disability along with reasons for the effect of the disorder on working capabilities.

Also, a qualified adviser can help streamline the claims process and help get a fair settlement.

Customizable Policies

Most NZ insurers usually allow policy customization.

Options include adding riders for extra coverage or reducing premiums by excluding non-relevant conditions.

Why TPD Insurance Might Be Essential

Here's why you should put it in your financial plan just like most New Zealanders. So, let's, without wasting time, pass over these TPD Insurance financial protection points:

Protection Against Financial Hardship

Permanent disability could hinder your ability to generate income and add further burdens to your pockets.

With total and permanent disability insurance, there are lump-sum payouts that address the essentials, including mortgage repayments, daycare, and living costs.

Covers Medical and Rehabilitation Expenses

Disabilities often have a high cost of medical care, specialized equipment, or home modifications.

TPD insurance can alleviate this burden, allowing you to maintain a stable standard of living.

Long-Term Family Security

If you have dependents, TPD insurance provides peace of mind knowing that they will be financially supported if you are unable to work.

The lump sum can ensure your family's future, offsetting educational costs and helping them adapt to new situations.

Flexibility in the Use of Funds

TPD insurance is paid as a single, lump sum payment. This way you may use the funds for immediate needs or to ensure long-term financial security if you need it.

Who Should Consider TPD Insurance?

There is no doubt that TPD Insurance will be very helpful for lots of people, but there are some target groups for whom it has been created especially for people facing permanent disability. Let's go into further details and learn more about them below:

Professionals with Specialized Skills

If a disability limits your ability to work in your specific field? Then, TPD insurance provides financial support to cover the income gap.

Primary Income Earners

As the main provider, TPD insurance ensures your family has financial support if you’re unable to work.

Homeowners with Mortgages

TPD insurance offers a lump sum to help pay off or reduce your mortgage, providing added security for your home.

Assessing Your TPD Coverage Needs

You need to know your finances, lifestyle, and savings before you make the right choice of TPD cover. Ideally, you need to have an amount that will cover your debts, future goals, and potential medical costs.

Choosing the Right TPD Insurance Provider

Research Provider Reputation

Choose providers with good customer service and a fair claims process. Online reviews, testimonials, and industry rankings can help you understand their reliability.

Compare Policy Options

Review coverage terms, exclusions, and premiums across providers. Read the fine print to avoid surprises when making a claim.

Consult an Insurance Adviser

An experienced adviser can help clarify policy details and recommend a TPD plan that fits your needs.

Working with an Insurance Adviser

If you do not want to get yourself into trouble, either while or before processing further, then the best for you would be to work with an insurance adviser. An insurance advisor can guide you through the application and claims process. That ensures you understand your policy and helps you find the best coverage for your situation.

How to Apply for TPD Insurance in NZ

Before applying for TPD insurance you must know that it usually involves assessing your financial needs. Besides, completing an application, and having a medical evaluation. Follow the below straightforward points to grab more information about the process:

Initial Consultation

The very first thing you have to do is consult an advisor to assess your financial needs and determine the right coverage. Doing so will save you from getting into any trouble in the future.

Application and Medical Assessment

After the initial conversation, you have to move ahead by filling up the application. And don't forget to undergo any medical tests, if necessary.

Policy Finalization

Finally, to conclude the process review and finalize your policy. Thus, you can ensure whether it fully aligns with your needs or not.

Securing Your Future with NZ Insurance

For NZ Insurances, we can offer you the most comprehensive and informed guidance in acquiring the correct coverage. From picking up the right policy to providing help through claims, our advisers take care of all that. Contact us now and get insured against your financial insecurity.

[housevaluewhatsmy]

How to Determine How Much You’re House Is Worth in New Zealand: A Comprehensive Guide

When it comes to selling or buying property, understanding the value of a house is crucial. For homeowners in New Zealand, knowing how much their property is worth can help them make informed decisions whether they are looking to sell, refinance, or simply want to track their investment’s growth. One of the most reliable ways to determine property value is through professional Auckland property valuations, but there are also several tools and methods available for those who are curious about the value of their home. This article will explore how to find out "how much is my house worth NZ" and why Auckland property valuations are essential.

Understanding the Basics of Property Valuations

A property valuation is the process of determining the market value of a property at a given point in time. Several factors influence property valuations, including the size of the home, the location, the condition of the property, and recent sales of similar homes in the area. For homeowners in New Zealand, property valuations are an essential part of the real estate market. Whether you’re a buyer, seller, or investor, having an accurate estimate of your property’s value is key.

Valuations are often used in various real estate activities such as:

Buying or selling a property

Refinance or mortgage purposes

Insuring the property

Investment analysis

Taxation purposes

How to Find Out "How Much Is My House Worth NZ?"

In New Zealand, there are several ways to assess how much your house is worth. The following methods are commonly used by homeowners, buyers, and sellers alike.

1. Online Property Valuation Tools

One of the easiest ways to get an estimate of your home's value is by using online property valuation tools. Websites like "Whatsmy Housevalue" offer free or low-cost valuations based on recent sales data and other relevant property details. These tools provide an instant estimate, giving you a rough idea of your home’s market worth. However, these estimates are not always 100% accurate since they rely on available data, and they do not take into account the unique characteristics of your property.

2. Real Estate Agent Appraisal

Another method for determining how much your house is worth in NZ is through a real estate agent’s appraisal. An agent can visit your property, take into account its condition, features, and other important factors, and compare it with similar properties in the area that have recently sold. This approach often provides a more accurate estimate than online tools since real estate agents have an in-depth understanding of the local market. Many agents offer free property appraisals, making it a valuable option for homeowners looking to sell their properties.

3. Hire a Professional Valuer

For a more formal and comprehensive valuation, homeowners can hire a professional valuer. A registered property valuer will assess the property in person, consider all relevant factors, and provide a written report detailing their findings. These valuations are more accurate and reliable for those needing precise figures for legal, financial, or investment purposes. A professional valuer will consider factors such as the property’s size, condition, location, and any recent renovations or changes to the property.

4. Check Recent Sales in Your Area

Another way to gauge the value of your home is by reviewing recent sales of similar properties in your area. This is particularly useful in determining the current market trends. You can access this information through real estate websites or through the New Zealand Property Report. Understanding the prices of homes that are similar to yours, in terms of size, features, and location, will help you estimate how much your property is worth.

5. Use Automated Valuation Models (AVMs)

Automated Valuation Models (AVMs) are computer-generated property valuation tools that analyze massive amounts of data to estimate property values. These models typically use publicly available data, including recent sales, property tax assessments, and other market conditions. While AVMs can be convenient, it is important to note that they may not always take into account specific conditions of your home, such as recent renovations or unique features.

Auckland Property Valuations: Why They Matter

Auckland, being the largest city in New Zealand, has a highly dynamic property market. If you live in Auckland, understanding the importance of property valuations in this area is essential. The Auckland property market is influenced by factors such as:

High demand for housing due to population growth

The availability of land for new developments

Economic factors such as interest rates and employment

Local government policies and infrastructure investments

Due to the unique nature of the Auckland property market, obtaining a professional Auckland property valuation is often recommended. A registered valuer with local expertise can assess the property’s value in the context of these market dynamics.

How Auckland Property Valuations Are Conducted

An Auckland property valuation typically involves a detailed inspection of your home and an analysis of factors such as:

Location: Auckland’s property market is divided into various suburbs, each with its own unique characteristics and price trends. A property in the central business district (CBD) will generally have a higher value than one in more suburban or rural areas.

Size and Layout: The size of the land and the house itself, as well as the layout, play an important role in determining the value. Larger homes with more bedrooms and bathrooms often fetch higher prices.

Condition: The overall condition of the property, including the age of the building, the state of repairs, and any recent renovations, can significantly influence the valuation.

Market Trends: Valuers will also take into account current market trends in Auckland. This includes looking at recent sales in the area and understanding if the market is trending upward or downward.

Benefits of Accurate Property Valuations

Knowing the precise value of your property can help you make informed decisions about selling, buying, or investing in property. Here are some of the key benefits of accurate property valuations:

1. Informed Decision Making

An accurate property valuation helps you make decisions based on the current market value rather than assumptions or guesswork. Whether you're considering selling your property, refinancing, or making improvements, a valuation can give you the confidence to take the next step.

2. Price Expectations for Selling

If you’re looking to sell your property, an accurate valuation will help you set a realistic asking price. Overpricing a property can result in it sitting on the market for too long, while underpricing can mean leaving money on the table. A valuation helps you strike the right balance.

3. Negotiation Leverage

Having a clear understanding of your property's value gives you an edge in negotiations. Whether you're negotiating a sale or refinancing with a bank, being armed with a professional valuation will ensure you’re not taken advantage of.

4. Financial Planning

For property investors, a proper valuation provides insights into whether a property is a good investment. It allows investors to assess capital growth potential, rental yield, and the overall return on investment.

Conclusion

In New Zealand, knowing how much your house is worth is an essential aspect of property ownership. Whether you're looking to sell, buy, or simply get a better understanding of your investment, the methods outlined in this article offer valuable insights. From using online tools like "Whatsmy Housevalue" to obtaining professional Auckland property valuations, there are several options to explore. Remember that while online tools provide a quick estimate, hiring a professional valuer or working with a real estate agent will give you a more accurate and reliable assessment.

No matter which approach you choose, understanding the value of your property is crucial for making sound decisions in the ever-changing New Zealand real estate market.

[elitetilernz]

Essential Guide to Choosing the Right Tilers in Ruakaka

When embarking on a tiling project, whether it's renovating a bathroom, kitchen, or laying a new floor, the skill of the tiler is just as important as the quality of the materials used. In Ruakaka, finding the right tiler can be the difference between a seamlessly stunning finish and a problematic installation that requires constant upkeep. This guide aims to navigate you through the process of selecting the best tiler for your needs, focusing on what makes Elite Tiler NZ Limited the preferred choice among "Tilers in Ruakaka."

Understanding the Importance of Professional Tiling

Tiling is not just about sticking tiles to a wall or floor; it's an art form that requires precision and expertise. A professional tiler understands the intricacies of pattern, texture, and material suitability, which are crucial for achieving a durable and aesthetically pleasing outcome. They ensure that the tiles are perfectly aligned, adequately sealed, and finished to high standards, which enhances the durability and appearance of the tiled area.

What to Look for in Tilers in Ruakaka

Experience and Specialization

Experience is a significant indicator of a tiler’s ability to handle various projects. Tilers with extensive experience, like those at Elite Tiler NZ Limited, are likely to have encountered and overcome numerous challenges, which means they can handle unexpected issues that may arise during your project. Additionally, check if they specialize in the type of tiling work you require, whether it’s floors, walls, indoors, or outdoors.

Reputation and Reviews

Reputation is everything in the tiling industry. A good reputation usually means the tiler consistently meets or exceeds customer expectations. For Elite Tiler NZ Limited, client testimonials and reviews reflect a track record of reliability and quality craftsmanship. Research online, ask for references, and look at past project photos to gauge the quality of work.

Professionalism and Reliability

Professionalism should be evident from your first interaction. Reliable tilers in Ruakaka, like Elite Tiler NZ Limited, respond promptly to inquiries, offer clear and detailed quotes, and maintain a tidy workspace. They respect your time and property, ensuring minimal disruption during the project.

Licensing and Insurance

Always choose a licensed and insured tiler. This protects you from liability in case of accidents and ensures the tiler adheres to industry standards. Elite Tiler NZ Limited is fully licensed and insured, giving you peace of mind that you’re dealing with professionals who are serious about their craft and customer protection.

Pricing Transparency

Cost is a crucial factor in any home improvement project. While it’s tempting to choose the cheapest quote, it’s essential to consider what the quote includes. Elite Tiler NZ Limited provides transparent pricing without hidden fees, ensuring you understand exactly what you’re paying for. Competitive pricing combined with high-quality service offers real value for money.

Why Choose Elite Tiler NZ Limited

Commitment to Quality

At Elite Tiler NZ Limited, the commitment to quality is evident in every aspect of our work. We use only the best materials and the latest techniques to ensure your tiling not only looks great but lasts long. Our tilers in Ruakaka take pride in their work, paying close attention to detail and ensuring every tile is perfectly placed.

Customized Solutions

Every space is unique, and so are your tiling needs. Elite Tiler NZ Limited offers customized tiling solutions tailored to meet your specific requirements and aesthetic goals. We consult with you to understand your vision and provide recommendations based on functionality, style, and budget.

Aftercare Service

Our service doesn’t end with the installation. We provide excellent aftercare advice and support to help maintain the beauty and durability of your tiles. Whether it’s tips on cleaning or minor repairs, Elite Tiler NZ Limited is just a call away.

Local Expertise

Being based in Ruakaka gives us an advantage in understanding local styles, conditions, and the specific needs of our community. This local expertise allows us to provide services that are perfectly tailored to our clients in the area.

Conclusion

Choosing the right tiler is crucial for ensuring that your tiling project is completed to the highest standards. In Ruakaka, Elite Tiler NZ Limited stands out as a leader among tilers for our professionalism, quality workmanship, and customer-focused service. When considering tilers in Ruakaka, remember that with Elite Tiler NZ Limited, you are not just hiring a tiler; you're investing in peace of mind and lasting quality. Get in touch with us today to discuss your next tiling project and see how we can transform your space with precision and style.

Contact Us:

Elite Tiler NZ Limited

George Point Road, Onerahi, Whangārei 0110, New Zealand

- +64 22 037 5020

elitetilernz@gmail.com

[thejordanbelford]

Expert Tips for a Seamless Moving Experience

Whether near or far, a move can turn into a nightmare without proper preparation and expert advice. But, if you are prepared well and receive good expertise, your move will be very smooth and free of stress. If you plan to move to Hamilton, here are some steps you'll take to ensure everything goes off without a hitch. However, we are going to give you expert tips on a smooth moving experience, including the best movers Hamilton, why you may need specialized services like single item movers Hamilton, and why you mustn't scrimp on professional furniture movers Hamilton NZ.

Plan in Advance and Start Early

The biggest mistake most people make when it comes to relocation, probably, is waiting until the last minute. Preparing for a move usually proves to be very demanding of one's schedule, so start planning at least 4-6 weeks before the actual move. Then, break down a moving checklist into weeks; this would help you keep track of things you need to do. With advance preparation, you will have a calmer mind and less likelihood of forgetting something when you are in a mad rush.

Choose the Best Movers in Hamilton

Experience and reliability are the most important things to consider when you are choosing the right moving company. When selecting your Hamilton best movers, it becomes essential to choose a service that can suit your needs, whether it's from one state to another or around your own. So do not hesitate to dig into the internet for reviews and ask your friends and family for recommended moving companies. You will receive a reputable and trusted company that has the appropriate equipment, trained personnel, and previous history of providing excellent services.

Consider using specialized moving services

However, you may not require a full-service moving company for everything. Like for example, if you have only one high-value or oversized item-be it a piano or an antique-you could seek out the services of a single item mover Hamilton. These are specialized ones designed to move fragile and oversized items, so you do not have to go through the bother of a full move. They give you customized solutions, so your most prized possessions get their due respect.

Hiring furniture movers Hamilton NZ will be the best option if you have oversized or heavy furniture that deserve special care. Experts in dismantling and assembling their inventory means furniture is properly protected from damage during transportation using special equipment. This way, if you have delicate or expensive furniture pieces, it may save you from further efforts and efforts that you would put in while moving, as well as damage costs.

Declutter Before You Move

Decluttering

Moving is a good chance to declutter one's house. Take time and go through each room, making judgments on what to keep, donate, sell, or toss. This will help you cut down the number of kilograms that need to be moved-in the long term. De-cluttering may save you money for moving, but you will have to pay for fuel, etc. In addition, decluttering will make the process of unpacking much easier.

Packing Supplies

Proportionate packing should be the most important measure to a move that has been done well. Larger pieces of furniture can be protected by furniture moving blankets against scratches and dents. Most moving companies in Hamilton offer packing services so if you find yourself not prepared, ask about professional packing.

Label Everything

Keep your boxes clear with what is inside and its room for the smooth unpacking process. It will save you a lot of time during unloading and unpacking. If you have engaged full house moving services, you need to label even more as the movers put them in the rooms at a later stage. Keeping a detailed inventory list will also help you track everything while moving, so nothing gets lost or left at home.

Know Your Moving Insurance Options

Accidents can occur with the best of them. While moving companies in Hamilton take numerous precautions to ensure your items are not damaged, it's always a good idea to ask them about moving insurance. Coverage is commonly available at a number of levels, depending on your item's value and how much you might need it protected from damage. As such, make sure you discuss all your options and opt for the best coverage to be at ease.

Update Utilities and Inform Changes

Move with the change of address with the post office and utility companies you are leaving behind. Turn the utilities like water, gas, and electricity so that they are on when you come to the new home.You can also transfer or cancel some other services like internet and cable prior to the actual relocation day and make it easy and hassle-free.

Prepare for Moving Day

On the moving date, ensure that all your packed boxes to be removed are ready, and you will also pack an essentials box containing toiletries, clothes, and important documents for any eventuality that may occur on the move date. If you have opted for full house moving services, reconfirm your booking with your movers the day before and ensure to oversee the loading and unloading of your item. Clean up the interior of your house so that it will be easy for the movers to navigate through large pieces of furniture.

Conclusion

It doesn't have to be stressful at all when you do the right things and plan a few things well in advance. Best movers Hamilton- specialized services such as single item movers Hamilton and professional furniture movers Hamilton NZ ensure safe and efficient transportation of all your belongings, whether it's about moving just a few items or an entire home. Some advice from the experts would really make your moving process smoother. Happy moving!

[so-much-for-subtlety]

The thing that gets me so worked up about universal healthcare is how people say that it will be so expensive for the tax payer.

This is long rant warning so I added a break lol.

The TLDR is that even in a low tax state like Florida, someone making 50k a year will have an effective rate of of 32% (for taxes, healthcare, costs for an undergraduate degree).

Someone making 50k a year in a 'high tax' country like New Zealand has an effective rate of 21% (for taxes, healthcare, costs for an undergraduate degree).

For an American and a Kiwi with the same salary of $50k, if they have the same disposable income, the Kiwi will be able to save an extra $75,000 over 10 years that they can use for a downpayment on a home to further build wealth.

Low tax states just have the costs shuffled to other places, you end up paying a LOT more for the same services.

Here's a comparison of someone who makes $50,000 a year in New Zealand and Florida (I chose Florida as an extreme example because they have 0% state tax rate) and each person makes $15,000 worth of purchases that are taxable.

New Zealand

$7,658 in combined income taxes and levies

$2,250 in taxes on $15k of purchases (15% sales tax)

Total of $9,908 - an effective total rate of 19.8% paid to taxes and purchases and healthcare

Florida

$7,945 in combined taxes (federal taxes, social security, medicaid etc)

$1,050 in taxes on $15k of purchases (7% sales tax)

$1,700 average annual health insurance premium for Florida

$2,060 average annual health insurance deductible for Florida

Total of $12,755 - an effective total rate of 25.5% paid to taxes and purchases and healthcare

Even in a low tax state, you're already have less take-home income than someone with the same salary in New Zealand.

But

... in New Zealand with your taxes you're also getting public education. It's not completely free, but costs are fixed, and you get one year of your undergraduate free, so for example a Bachelor of Arts would cost a total of $13,548 (USD $8,347)

If you can't pay that upfront, you can get a 0% loan from the government, which you don't need to start paying off until you earn at least $23k per year. For someone making $50k that would be an extra 6.5% deducted from your income ($270/month) until the loan is paid off (which would be 2 years and 8 months).

In Florida the average student loan debt is 25k and if you're making the same payments as someone in NZ ($270/month) then you'll be paying that off for 11 years. [Note: I believe that some private loan interest rates go as high as 15%].

Bachelor of Arts in NZ $13,548, paid off over ~2.7 years.

Bachelor of Arts in Florida $35,539, paid off over ~11 years.

So lets look at effective payments over 11 years (for simplicity salary stays at 50k).

New Zealand works out to be 21% effective rate over 11 years (including taxes, healthcare, and undergraduate degree).

Florida works out to be 32% effective rate over 11 years (including taxes, healthcare, and an undergraduate degree) - you're paying 52% more!

That means someone with the same income will effectively be able to save an additional $5,000 per year over 11 years, if they invest that extra amount and get a 5% return, the New Zealander will have savings of about $75k which they can use for downpayment for a home etc.

In conclusion, even though it may seem like you're getting a good deal in a low tax state like Florida, you end up paying soooo much more in healthcare and education costs compared to a country where taxes are a little higher, but you get public healthcare and education.

Why is the U.S. so expensive? Well once place to look is defense, intelligence, and police. In the United States this costs on average $3,700 per person. New Zealand spends $1,600 per person (USD ~1,000).

[diyinstallationrisks]

DIY Installation Risks: Why Professional Services Are Essential for Private Power Pole Installations

As the popularity of do-it-yourself (DIY) projects increases, many people are looking to handle various tasks themselves. However, when it comes to private power pole installations in Perth, a DIY approach carries considerable risks. Private power poles are crucial components in a property’s electrical setup, connecting it to the main electrical grid securely. Attempting these installations or repairs without professional expertise can lead to severe safety hazards, legal complications, and unexpected costs.

Key Safety Hazards in DIY Power Pole Installations

Handling private power pole installations involves working with high-voltage electricity, which presents far greater risks than typical home projects. Specialised knowledge of both electrical systems and structural requirements is essential to ensure a secure installation. Below are the primary safety hazards associated with DIY installations:

Risk of Electrocution: Working with live electrical connections without proper training can lead to severe electric shocks, potentially causing serious injuries such as burns or cardiac issues. Professionals use specialised equipment and rigorous safety practices to avoid these hazards, making DIY installations unnecessarily dangerous.

Structural Instability: The stability of private power poles is essential for safe operation. Installing poles without correctly anchoring them or assessing soil suitability can result in poles that may loosen over time. Unsecured poles can become unstable in adverse weather, posing a risk to nearby structures, vehicles, or people. Certified installers account for soil conditions and wind loads to ensure a secure installation.

Fire Hazards: DIY attempts often lack the proper grounding and wiring expertise required, leading to electrical faults that could spark or overheat. Common issues like poor-quality materials or incorrect connections can cause short circuits, increasing the fire risk. Licensed professionals use high-quality materials and thorough safety testing to ensure installations meet safety standards.

Legal Concerns of DIY Installations

In Perth, private power pole installations are regulated under strict standards to ensure public safety. Undertaking this work without professional assistance often results in non-compliance with these regulations, leading to potential legal repercussions:

Non-Compliance with Australian Standards: The Australian Wiring Rules (AS/NZS 3000) enforce strict standards for all electrical installations, covering safety checks and approved methods. DIY installations seldom meet these standards, often leading to regulatory fines or mandates to correct unsafe installations by licensed professionals.

Insurance Risks: Many home insurance policies require that all electrical work be completed by licensed professionals. DIY installations typically void insurance coverage, leaving property owners financially responsible for any damage or accidents related to the power pole.

Permitting Requirements: Perth councils and regulatory authorities mandate specific permits for private power pole installations. Skipping this step or attempting unapproved DIY work can lead to fines, enforcement actions, and even forced removal of the pole for professional reinstallation. Failing to comply with permitting requirements can create lasting legal issues for the property.

Why Professional Services Are the Right Choice

Engaging a professional service for private power pole installations in Perth guarantees compliance, enhances safety, and provides property owners with peace of mind. Here’s why professional expertise is indispensable:

Specialised Knowledge: Certified electricians assess site-specific factors such as soil conditions and terrain to ensure a securely anchored installation. They bring expertise in electrical connections, minimising the risks associated with high-voltage work.

Adherence to Safety Standards: Professional installers follow established safety protocols, significantly reducing accident risks. Their installations include thorough post-installation checks to ensure the power pole’s safe operation.

Cost Efficiency Over Time: While DIY installations may appear cost-effective initially, potential errors can lead to expensive repairs. Professional services, although higher in upfront cost, offer long-term savings by avoiding costly rework.

Conclusion

Though DIY projects are rewarding in many areas, private power pole installations in Perth should always be handled by certified professionals. The substantial safety risks, legal requirements, and complexities involved make this task unsuitable for untrained individuals. By choosing professional services, property owners secure a safe, compliant, and long-lasting power pole installation, protecting both their property and the community.

[cityclean610]

The Importance of Professional Cleaning Services

1. Health Benefits

A clean environment significantly contributes to the health and well-being of its occupants. Dust, allergens, and germs can accumulate quickly, leading to respiratory issues and other health problems. By hiring commercial cleaning services in Auckland, you ensure that your space is regularly cleaned and sanitized, creating a healthier atmosphere for everyone.

2. Time-Saving

Cleaning can be time-consuming, especially for busy professionals and families. By utilizing Auckland Cleaning Services, you free up valuable time that can be better spent on work, family, or leisure activities. Professional cleaners are trained to efficiently tackle all cleaning tasks, allowing you to focus on what matters most.

3. Professional Results

When it comes to cleaning, expertise matters. The best cleaning services in Auckland employ trained professionals who use high-quality products and techniques to deliver exceptional results. Their attention to detail ensures that every corner is spotless, leaving your space looking immaculate.

Types of Cleaning Services Offered

1. Residential Cleaning

Residential cleaning services cater to homes of all sizes. Whether you need a one-time deep clean, regular maintenance, or assistance with moving in or out, these services can be customized to meet your needs. Imagine coming home to a fresh, clean space without having to lift a finger!

2. Commercial Cleaning

3. Specialized Cleaning

Some cleaning tasks require specialized knowledge and equipment. Many cleaning companies offer services such as carpet cleaning, window washing, and upholstery cleaning. These services can breathe new life into your furnishings and surfaces, providing a level of cleanliness that regular cleaning may not achieve.

Choosing the Best Cleaning Services in Auckland

1. Check Reviews and Recommendations

When searching for the best cleaning services in Auckland, take the time to read reviews and ask for recommendations from friends or colleagues. Personal experiences can give you valuable insights into the reliability and quality of different cleaning companies.

2. Verify Credentials

Ensure that the cleaning service you choose is licensed and insured. This protects you from any liability in case of accidents or damages during the cleaning process. Reputable companies will have no problem providing proof of their credentials.

3. Inquire About Services Offered

Not all cleaning companies offer the same services. Be clear about your needs and ask potential cleaners if they provide the specific services you require. Whether you need routine cleaning or specialized services, finding a company that meets your needs is essential.

4. Get Quotes

Before making a decision, obtain quotes from multiple cleaning services. This will give you a clear understanding of pricing and help you compare the value offered by different companies. Remember, the cheapest option isn’t always the best; focus on the overall value and quality of service.

Conclusion

Auckland is a vibrant city, and keeping your home or business clean is vital for creating a welcoming atmosphere. With a variety of Auckland Cleaning Services available, you can find the perfect solution to meet your cleaning needs. By investing in professional cleaning, you’ll enjoy a healthier environment, save time, and experience the satisfaction of a spotless space.

Whether you’re looking for residential assistance or need commercial cleaning services in Auckland, take the time to research and choose a service that fits your requirements. With the right cleaning partner, you can ensure your space remains clean, inviting, and ready for whatever life throws your way!

[asp1990]

Day 13: Wednesday 2nd October, 2024 [Wellington]

Breakfast: A buffet breakfast! Poached eggs, bacon, hash brown, coffee, juice, muesli, pastries! Lunch: NA Dinner: Asian Street Food from Master Kong

Today was our last full day in Aotearoa NZ and we had a half day tour booked. We went down to breakfast at 8.30am in the hotel restaurant and enjoyed the buffet. Our guide, Brian, picked us up at 9.20am and our fellow passengers Tony & Tina, from Adelaide, were already in the van. We stopped one more time to pick up Joy and Dawn, from Christchurch, in the city but Brian side-swiped a taxi as he was parking, so it was a frazzled start to the day. 

Our first stop was the top of Mt Victoria, which was incredibly windy but very beautiful. Brian told us on the drive up that the cable car industry was actually quite lucrative in Wellington as lots of the properties on Mt Victoria had their own private cable cars from the road to their property. Wild! We could see Wellington airport from the peak and found out that pilots had to be specially trained to land into Wellington due to the extreme winds and shortened landing strip. This means that only domestic and Australian flights land in Wellington and all other flights land in Auckland. 

Next we wound our way back down the mountain to the other side of the city that we hadn’t visited yet. We drove past Lyall Bay surf beach and the back end of the airport before stopping briefly to see Breaker Bay where NZ’s biggest maritime disaster occurred in 1968 when a ferry hit the rocks and 52 people died. Brian told us about the tsunami ‘higher ground’ signs and that when earthquakes and flooding happen that all the beachfront properties get damaged and are no longer eligible for home insurance due to their location. Beautiful but risky properties. 

We made our way back inland to Miramar where NZ’s movie district and all the production companies are. We stopped briefly at the Weta workshop but could only visit the gift shop and bathrooms, which was a shame. Brian was a great guide, but everything felt a wee bit rushed. Despite this, I bought some more LOTR souvenirs that I’d passed up in Hobbiton but had been regretting not purchasing. We then visited the Wellington Cable Car (which Amara and I had been to a few days before) where Brian dropped us off at the base and drove to meet us at the top. We all stopped to get a coffee at the cafe before getting back in the van. Again, we were a bit rushed. Each drive to a new location was a great excuse to chat to our tour buddies who were really lovely. Tony was a school principal in Adelaide, Tina was a retired aged care nurse and Joy & Dawn were in their 70’s and were friends because their daughters made friends in dance school when they were five. 

Back in the city we visited the National War Memorial where the tomb of the unknown soldier was kept. We didn’t get out of the car, but it was also very windy and cold, so we just observed through the window. We then visited Parliament House, coloquially known as ‘The Beehive’ and the archive library. Brian told us that Parliament House was originally a wooden building and the library was stone so the documents didn’t burn down but then Parliament House burnt down so they rebuilt in stone and this was some kind of architectural breakthrough. Sounds like something that 3 Little Pigs had figured out though..

Our final stop was Old St Paul’s Church: a non-denominational church built in 1866. It was decommissioned when the new church was built, but it’s now owned by the government so anyone can marry there. Queer, any faith etc. The American Navy have a connection with this church as they used it during the war. They have their flags hanging inside and the American embassy hold their Memorial Day service there each year, which a lot of American tourists love to hear.  

After we left the church, Brian dropped us all back at our respective hotels and Amara and I spent the afternoon in our room: her napping, me reading. We went down to Chocolate Hour at 4pm then came back up to our room to get ready for our last outing in the city.

At 5.30pm, in our nice dresses and heels that we’d packed and not yet had a reason to wear, we got an Uber into town to have dinner at Master Kong with Jo, who was also attending the World of Wearable Art (WOW) performance. We enjoyed a delicious feast of edamame, king pao chicken, green salad, corn ribs & popcorn prawns. Everything was cooked and seasoned perfectly. At 6.45pm we walked over to the TSB Arena for the show. 

The World of Wearable Art was absolutely iconic. Our friend had described it as “a fashion show mixed with Cirque Du Soleil” and she couldn’t have been more accurate. The performance showcased extravagant fashion outfits made out of any material that were submitted by a range of fashion designers from around the world. The costumes, lighting, soundtrack, staging and production value were breathtaking. I am so glad that Amara booked us tickets at the last minute as it was the perfect way to end our trip. The overall winner was an American artist who had made everything out of roadwork materials - orange honeycomb fencing, traffic cones and hi-vis. It was gorgeous! My favourite piece though was what I named ‘the sexy prawn’. 

After the show we walked up the street, away from the crowds, and a group of older women started talking to us about the show and gave us there programme when they found out it was our first time seeing WoW, which was lovely. We then booked an Uber as we couldn’t face walking up the steep hill in heels and our Uber driver laughed at us when we said this. 

Back in the hotel Amara showered, I wrote my diary and then we packed a wee bit before hitting the hay. One more sleep until I get to see Morgan and MJ!