#new zealand residency by investment

[iclegalnz]

Government Plans to Revamp New Zealand's Migrant Investor Visa - Immigration Chambers

The New Zealand government is set to revamp the Migrant Investor Visa, making it easier for high-value investors to gain residency. With new simplified investment categories, this change aims to boost economic growth. Learn how these updates can benefit foreign investors!

[posttexasstressdisorder]

How Trump's billionaires are hijacking affordable housing

Thom Hartmann

October 24, 2024 8:52AM ET

Republican presidential nominee and former U.S. President Donald Trump attends the 79th annual Alfred E. Smith Memorial Foundation Dinner in New York City, U.S., October 17, 2024. REUTERS/Brendan McDermid

America’s morbidly rich billionaires are at it again, this time screwing the average family’s ability to have decent, affordable housing in their never-ending quest for more, more, more. Canada, New Zealand, Singapore, and Denmark have had enough and done something about it: we should, too.

There are a few things that are essential to “life, liberty, and the pursuit of happiness” that should never be purely left to the marketplace; these are the most important sectors where government intervention, regulation, and even subsidy are not just appropriate but essential. Housing is at the top of that list.

A few days ago I noted how, since the Reagan Revolution, the cost of housing has exploded in America, relative to working class income.

When my dad bought his home in the 1950s, for example, the median price of a single-family house was around 2.2 times the median American family income. Today the St. Louis Fed says the median house sells for $417,700 while the median American income is $40,480—a ratio of more than 10 to 1 between housing costs and annual income.

ALSO READ: He’s mentally ill:' NY laughs ahead of Trump's Madison Square Garden rally

In other words, housing is about five times more expensive (relative to income) than it was in the 1950s.

And now we’ve surged past a new tipping point, causing the homelessness that’s plagued America’s cities since George W. Bush’s deregulation-driven housing- and stock-market crash in 2008, exacerbated by Trump’s bungling America’s pandemic response.

And the principal cause of both that crash and today’s crisis of homelessness and housing affordability has one, single, primary cause: billionaires treating housing as an investment commodity.

A new report from Popular Democracy and the Institute for Policy Studies reveals how billionaire investors have become a major driver of the nationwide housing crisis. They summarize in their own words:

— Billionaire-backed private equity firms worm their way into different segments of the housing market to extract ever-increasing rents and value from multi-family rental, single-family homes, and mobile home park communities. — Global billionaires purchase billions in U.S. real estate to diversify their asset holdings, driving the creation of luxury housing that functions as “safety deposit boxes in the sky.” Estimates of hidden wealth are as high as $36 trillion globally, with billions parked in U.S. land and housing markets. — Wealthy investors are acquiring property and holding units vacant, so that in many communities the number of vacant units greatly exceeds the number of unhoused people. Nationwide there are 16 million vacant homes: that is, 28 vacant homes for every unhoused person. — Billionaire investors are buying up a large segment of the short-term rental market, preventing local residents from living in these homes, in order to cash in on tourism. These are not small owners with one unit, but corporate owners with multiple properties. — Billionaire investors and corporate landlords are targeting communities of color and low-income residents, in particular, with rent increases, high rates of eviction, and unhealthy living conditions. What’s more, billionaire-owned private equity firms are investing in subsidized housing, enjoying tax breaks and public benefits, while raising rents and evicting low-income tenants from housing they are only required to keep affordable, temporarily. (Emphasis theirs.)

It seems that everywhere you look in America you see the tragedy of the homelessness these billionaires are causing. Rarely, though, do you hear about the role of Wall Street and its billionaires in causing it.

The math, however, is irrefutable.

Thirty-two percent is the magic threshold, according to research funded by the real estate listing company Zillow. When neighborhoods hit rent rates in excess of 32 percent of neighborhood income, homelessness explodes. And we’re seeing it play out right in front of us in cities across America because a handful of Wall Street billionaires are making a killing.

As the Zillow study notes:

“Across the country, the rent burden already exceeds the 32 percent [of median income] threshold in 100 of the 386 markets included in this analysis….”

And wherever housing prices become more than three times annual income, homelessness stalks like the grim reaper. That Zillow-funded study laid it out:

“This research demonstrates that the homeless population climbs faster when rent affordability — the share of income people spend on rent — crosses certain thresholds. In many areas beyond those thresholds, even modest rent increases can push thousands more Americans into homelessness.”

This trend is massive.

As noted in a Wall Street Journal article titled “Meet Your New Landlord: Wall Street,” in just one suburb (Spring Hill) of Nashville:

��In all of Spring Hill, four firms … own nearly 700 houses … [which] amounts to about 5% of all the houses in town.”

This is the tiniest tip of the iceberg.

“On the first Tuesday of each month,” notes the Journal article about a similar phenomenon in Atlanta, investors “toted duffels stuffed with millions of dollars in cashier’s checks made out in various denominations so they wouldn’t have to interrupt their buying spree with trips to the bank…”

The same thing is happening in cities and suburbs all across America; agents for the billionaire investor goliaths use fine-tuned computer algorithms to sniff out houses they can turn into rental properties, making over-market and unbeatable cash bids often within minutes of a house hitting the market.

After stripping neighborhoods of homes young families can afford to buy, billionaires then begin raising rents to extract as much cash as they can from local working class communities.

In the Nashville suburb of Spring Hill, the vice-mayor, Bruce Hull, told the Journal you used to be able to rent “a three bedroom, two bath house for $1,000 a month.” Today, the Journal notes:

“The average rent for 148 single-family homes in Spring Hill owned by the big four [Wall Street billionaire investor] landlords was about $1,773 a month…”

As the Bank of International Settlements summarized in a 2014 retrospective study of the years since the Reagan/Gingrich changes in banking and finance:

“We describe a Pareto frontier along which different levels of risk-taking map into different levels of welfare for the two parties, pitting Main Street against Wall Street. … We also show that financial innovation, asymmetric compensation schemes, concentration in the banking system, and bailout expectations enable or encourage greater risk-taking and allocate greater surplus to Wall Street at the expense of Main Street.”

It’s a fancy way of saying that billionaire-owned big banks and hedge funds have made trillions on housing while you and your community are becoming destitute.

Ryan Dezember, in his book Underwater: How Our American Dream of Homeownership Became a Nightmare, describes the story of a family trying to buy a home in Phoenix. Every time they entered a bid, they were outbid instantly, the price rising over and over, until finally the family’s father threw in the towel.

“Jacobs was bewildered,” writes Dezember. “Who was this aggressive bidder?”

Turns out it was Blackstone Group, now the world’s largest real estate investor run by a major Trump supporter. At the time they were buying $150 million worth of American houses every week, trying to spend over $10 billion. And that’s just a drop in the overall bucket.

As that new study from Popular Democracy and the Institute for Policy Studies found:

“[Billionaire Stephen Schwarzman’s] Blackstone is the largest corporate landlord in the world, with a vast and diversified real estate portfolio. It owns more than 300,000 residential units across the U.S., has $1 trillion in global assets, and nearly doubled its profits in 2021. “Blackstone owns 149,000 multi-family apartment units; 63,000 single-family homes; 70 mobile home parks with 13,000 lots through their subsidiary Treehouse Communities; and student housing, through American Campus Communities (144,300 beds in 205 properties as of 2022). Blackstone recently acquired 95,000 units of subsidized housing.”

In 2018, corporations and the billionaires that own or run them bought 1 out of every 10 homes sold in America, according to Dezember, noting that:

“Between 2006 and 2016, when the homeownership rate fell to its lowest level in fifty years, the number of renters grew by about a quarter.”

And it’s gotten worse every year since then.

This all really took off around a decade ago following the Bush Crash, when Morgan Stanley published a 2011 report titled “The Rentership Society,” arguing that snapping up houses and renting them back to people who otherwise would have wanted to buy them could be the newest and hottest investment opportunity for Wall Street’s billionaires and their funds.

Turns out, Morgan Stanley was right. Warren Buffett, KKR, and The Carlyle Group have all jumped into residential real estate, along with hundreds of smaller investment groups, and the National Home Rental Council has emerged as the industry’s premiere lobbying group, working to block rent control legislation and other efforts to control the industry.

As John Husing, the owner of Economics and Politics Inc., told The Tennessean newspaper:

“What you have are neighborhoods that are essentially unregulated apartment houses. It could be disastrous for the city.”

As Zillow found:

“The areas that are most vulnerable to rising rents, unaffordability, and poverty hold 15 percent of the U.S. population — and 47 percent of people experiencing homelessness.”

The loss of affordable homes also locks otherwise middle class families out of the traditional way wealth is accumulated — through home ownership: over 61% of all American middle-income family wealth is their home’s equity.

And as families are priced out of ownership and forced to rent, they become more vulnerable to homelessness.

Housing is one of the primary essentials of life. Nobody in America should be without it, and for society to work, housing costs must track incomes in a way that makes housing both available and affordable.

Singapore, Denmark, New Zealand, and parts of Canada have all put limits on billionaire, corporate, and foreign investment in housing, recognizing families’ residences as essential to life rather than purely a commodity. Multiple other countries are having that debate or moving to take similar actions as you read these words.

America should, too.

ALSO READ: Not even ‘Fox and Friends’ can hide Trump’s dementia

[head-post]

NATO chief suggests EU pay for defence, learn Russian or go to New Zealand

NATO Secretary General Mark Rutte warned in his speech in the European Parliament on Monday that residents of the EU member states will be forced to learn Russian in a few years if they do not increase defence spending to the level of 10% of GDP.

Speaking in the European Parliament, Rutte pledged:

“We are safe now, but not in 4-5 years. So, if you don’t do it, get out your Russian language courses or go to New Zealand. Or decide now to spend more. I just want you to spend more money! I’ve not committed to a new number, just saying that 2% is not nearly enough.”

The NATO Secretary General urged the EU not to prevent companies from the member states of the North Atlantic Alliance, which are not members of the pan-European association, from investing in the development of the defence industry. According to Rutte, such restrictions are not only a barrier to increasing defence spending, but also complicate production and hinder the introduction of innovations.

Mark Rutte also noted that the alliance’s military capability targets may require countries to spend up to 3.7 per cent of GDP on defence. But this figure can be reduced through innovation and joint procurement, he continued.

Rutte added that US President-elect Donald Trump, who will take office on January 20, was “many times right” when he demanded higher defence spending within the North Atlantic Alliance.

Earlier, Rutte said that NATO should quintuple its defence spending to 10 per cent of GDP if the military bloc wants to operate outside its borders. In particular, he suggested that the military bloc could operate outside its area of responsibility to create a new alliance system.

Read more HERE

[citiesandtowns]

Last year, troubled by the seeming intractability of these problems, I began looking for solutions outside the United States. Could the answer be rent control, as in Berlin? It might have seemed that way a decade or so ago, before investors and new residents began pouring into the city, causing land values to quintuple; now, despite rent-stabilization laws, even the apartments that no one else wanted to buy 15 years ago are huge moneymakers. Many residents with affordable rental contracts are locked into them because it would be too expensive or competitive to move. Frustrated by the housing squeeze, tenant organizers recently put forth an “expropriation” measure, which called for landlords with more than 3,000 units to sell their holdings back to the government at below-market prices. In a 2021 referendum, 59 percent of Berliners voted in favor of it, but it’s not clear whether it will ever be implemented.

Could the answer be loosening zoning restrictions, as Tokyo did in 2002? That has certainly helped. In 2014, there was more home construction in the city than in all of England. Since then, home prices have stabilized. Tokyo is largely celebrated as a model by YIMBYs (members of the “yes, in my backyard” movement) because they like its market-driven approach to housing abundance. They often point out that the city builds five times as much housing per capita as California. But Japan is a very different market because of its earthquake risk: Because regulatory codes and mitigation technologies are ever improving, structures often fully depreciate within 35 years. Older homes are often undermaintained because there’s little expectation that any investment might be recaptured upon resale; they’re thought of like used clothing or cars — you resell at a loss.

Auckland, New Zealand, might seem like a more applicable example. In 2016, the city, which has one of the most expensive housing markets in the world, “upzoned” 75 percent of its residential land, increasing its legal capacity for housing by about 300 percent in an effort to encourage multifamily-housing construction and tamp down prices. In areas that were upzoned, the total number of building permits granted (a way of estimating new construction) more than quadrupled from 2016 to 2021. As intended, the relative value of underdeveloped land increased, because it could suddenly host more housing, and the relative value of units in densely developed areas decreased, tempering sky-high prices. But there are limits to what upzoning can do. Often the benefits of allowing greater density are captured by developers, who price the new units far above cost. It doesn’t offer renters security or directly create the type of housing most needed: affordable housing.

That’s what differentiates Vienna. Perhaps no other developed city has done more to protect residents from the commodification of housing. In Vienna, 43 percent of all housing is insulated from the market, meaning the rental prices reflect costs or rates set by law — not “what the market will bear��� or what a person with no other options will pay. The government subsidizes affordable units for a wide range of incomes. The mean gross household income in Vienna is 57,700 euros a year, but any person who makes under 70,000 euros qualifies for a Gemeindebau unit. Once in, you never have to leave. It doesn’t matter if you start earning more. The government never checks your salary again. Two-thirds of the city’s rental housing is covered by rent control, and all tenants have just-cause eviction protections. Such regulations, when coupled with adequate supply, give renters a level of stability comparable to American owners with fixed mortgages. As a result, 80 percent of all households in Vienna choose to rent.

The key difference is that Vienna prioritizes subsidizing construction, while the United States prioritizes subsidizing people, with things like housing vouchers. One model focuses on supply, the other on demand. Vienna’s choice illustrates a fundamental economic reality, which is that a large-enough supply of social housing offers a market alternative that improves housing for all.

[bisluthq]

https://www.tumblr.com/bisluthq/768944837460377600/httpswwwtumblrcombisluthq768929573796790272

Resident music history nerd again.

So yeah, those contracts usually suck and it goes back to what I said earlier with using the artist as a cash cow and then once they earn their spots, they can negotiate a better second deal. A lot of the tv talent show contracts suck, the very first winner of project runway, Jay Mccaroll caused quite a stir because he turned down the grand prize of a $100,000 mentorship program & spot at NYFW, because the show (or whatever entity was behind the prize) would be granted 10% of all future earnings as a designer.

Idol and those other shows are a bit of a blessing and a curse. Idol was an absolute sensation though, so they had a huge audience when they launched (at least in the countries’ versions I’m familiar with) and many had a good career, some have truly lasted like Kelly Clarkson. I believe it varied country to country, the winner in New Zealand wasn’t being signed to the big American team even if it was the same label, but contracts for the first few seasons were treated like other game show prizes - have it be a prize, but the budget is based on the predicted profits for the advertising the show would make. It was great for the record labels because they didn’t need to invest in developing the artists, and it was a popularity contest so there was significant less risk signing then over a new artist no one has heard of and wondering if they’ll have fans. They also had the next season of the show to promote the last winner/s. Kelly Clarkson notoriously had to fight the label though to get songs she wanted (she was getting the Disney star treatment of them saying what to record and she pushed back because it wasn’t her style) she also had to fight to be able to cowrite her songs and shape her message, both with the label and then dr Luke later on when she rewrote lyrics to one of his songs to make it fit her.

Anyway, idol was new and exciting and because it was a family show, the contestants often launched with a diverse audience and then shaped their audience later which for some was a blessing, others a curse - Adam lambert for example toned himself down and presented more as an emo adjacent glam rocker, which was a smart move to get a foot in the door. But the audience of dads who liked this guy who was meant to be the modern day answer to classic Bon jovi, kiss and poison, etc, were not all on board when he wanted to make dance pop with rock elements, and I can’t think of a sensitive way to say it but when he was more outwardly expressive of his sexuality, a lot of people turned on him. At the same time though, there was an audience who saw him on tv and knew and were waiting and so ready for him to do his thing. And now he’s the lead singer for Queen, so he has the audience of dads again going to see him live but not touching his new music - he’s a fascinating case study on society more than the music industry though.

Social media and streaming killed the talent show phenomenon though. It likely would’ve become boring on its own, but Sandi Thom was launched via MySpace - Taylor got a lot out of MySpace but it wasn’t her discovery method, Justin was found on YouTube all within 6 years of idol launching. This became direct competition for the talent shows, but wasn’t a huge issue until around 2013 when quite a few artists were discovered on YouTube. Now it’s a totally different landscape with TikTok and families not watching tv together in the same way - it’s more common for everyone to watch something different on their iPads than to gather around the tv and enjoy something together which was part of the magic of idol.

The americas got talent and the voice winners though, they were always at a disadvantage compared to X factor and idol because the shows are significantly shorter and never let people feel like they knew the singers. By the time they crowned a winner most of them hadn’t performed a full 30 minutes and only had their intro video and then short interviews before and after a performance. And the AGT people were competing with comedians, dancers, fire breathers… it wasn’t a good metric to see how they’d fair in the music industry and the prize was a performing contract, not a recording one. Idol was so big for a while they had a spin off show that was like big brother, showing what they got up to during the week in the share house!

I personally think the singers on the voice would’ve been better winning a money prize instead of a recording contract, because the contract just needed to be less than the advertising profit for the show. Of course the label wanted the next superstar, but they usually rushed an album out within a few months of winning and only seemed to support the artist in kind to how much the public rallied behind the album, instead of really giving them a chance.

Sorry, I’ve gone on a lot of tangents and can’t remember where I wanted to end up lol 😂

I guess the TLDR would be: tv show contracts were a game show prize. Some did really well, but if they didn’t do really well they were dropped and not given a chance. They could get away with shittiest contracts too because the artists usually had no industry experience or knowledge, and the contract was a three way between the label, tv show and artist.

Oh and then there are the sunset clauses and non compete clauses too, so even if you’re dropped from your label you might not be able to sign another deal for a few years even if someone wants you - just look at Kesha, Cher, and “the artist formerly known as Prince”.

I’m gonna stop writing now 🫣

see, I also think there are just too many of these shows and there have been too many for a long time. Like you say, people were into Idol and it did start a few great careers (and yes I think a lot of the early winners got suckered into shitty deals because they didn’t know better but also here was enough interest and good will for it to mostly work) but now there are just too many winners on too many shows for people to give a fuck (even if they do watch). Like you might enjoy watching The Voice because you like the coaches and the concept and the performances but not be invested to the point of streaming music. I also think your point on not knowing the artists long enough on most of these shows is a good point and imo (aside from the fact that a lot of the acts are shitty) why Eurovision doesn’t launch that many careers. It might be fun to watch but people don’t necessarily have the time or energy to get invested. Which also brings me to the news cycle being so fickle as a whole because the other thing is these days even blowing up on TikTok and having a trending sound for half a second really doesn’t equate to longevity or people actually giving a fuck. There’s just too much content. And I guess there was always a risk of blowing up with one or two songs and not really having the support or the know how to make that into a career and not getting label support and even being sabotaged by the label as you said to make you keep touring and keep churning shit out but these days because content is so accessible, one or two songs people like doesn’t even necessarily equate to people going to watch live shows. It’s tricky. You also obviously can monetize your own original content in a way that’s MORE empowering for artists these days because you can own all your TikToks and YouTube videos and shit and get paid by those and do pretty well but that also makes labels I think even less likely to spend money on promoting you unless they’re confident in your brand and that’s… tough.

[theangryjikooker]

I don't think JK leaves Korea for US. Of all the members, the one I could see doing it but not in the US is Tae , He talked about that not a long ago and maybe Yoongi, He likes LA.

What I notice is that Tae and JK are closer now than Tae and Jimin and JK and Jimin .That means They have a relationship ?no, They don't have It, but people pass for different phases in their lives and now It seems Tae and JK are in the same one

No one quote me on this, but I believe Jungkook has mentioned it a while back too, along with New Zealand as a possible location. That was years ago (assuming my memory hasn’t failed me), though, so his feelings could have changed since then.

Generally, though, if his professional trajectory takes him to LA more frequently, it might be a practical move for him even if he has no emotional investment in the city. We see this a lot in our industry. I don’t anticipate that he or any of the members would make a permanent move, but I see dual residency being a realistic option for any of them.

Jimin isn’t any less close to Jungkook, I’m not sure where you’re getting that impression. Their approach to life, personally and creatively, appear to be different, but that’s the extent of it. You could argue that this development means it wouldn’t be suitable for a relationship, if that’s what your angling for and it would be valid, but it’s certainly not a measurement of closeness.

Taehyung and Jungkook are closer these days, in the sense that their interests seem more aligned, which explains why they’d be getting closer as friends would. Taehyung has shut down Tkkrs (and probably all shippers, by extension) before, and given that he has, I don’t entertain ideas that he’s romantically interested in any of the BTS members and vice versa.

[globexaimmigration]

Best Countries for a Study Visa with Spouse

Countries with Spouse Visa

Many individuals looking to study abroad also want the option of bringing their spouse and family along. While Canada remains one of the most popular destinations for study visas with spouse work permits, many are exploring other countries that offer similar opportunities. This article provides an overview of countries where you can apply for a study visa and a spouse visa together, allowing you to travel with your family.

1.1 Canada

Canada is one of the most preferred destinations for international students, especially those who wish to bring their spouse and children. If you enroll in a master’s degree (two years) or a four-year bachelor’s program in fields like engineering, computer science, or education, your spouse is eligible for an open work permit. After completing your education, students get a Post-Graduation Work Permit (PGWP) of up to three years, providing ample time to apply for permanent residency (PR).

1.1.1 Financial Requirements:

One-year tuition fee: CAD 18,000 – CAD 19,000 (average)

GIC (Guaranteed Investment Certificate): CAD 21,000

Spouse: Additional CAD 5,000

Children: CAD 6,000 for the first child and CAD 7,000 for the second

Total required funds for a family of four: Approximately CAD 60,000

Canada also has multiple PR pathways such as the Rural and Northern Immigration Pilot (RNIP) and Ontario Master Graduate Stream, making it a strong choice for long-term settlement.

Even though many consultants may not recommend this, you should target or aspire for this that the entire family is getting a visa together. No matter which country you are going to, technically all the countries where spouse visa is possible allow you to apply for the spouse visa along with the study visa. It is legally allowed, and you should take control of your application and go for the entire family together.

1.2 Finland

For those preferring Europe, Finland is an excellent choice. The country allows international students to bring their spouse and family along. The financial requirement is lower than in Canada, and Finland offers post-study work permits, making it a viable immigration option.

1.2.1 Financial Requirements:

Tuition fees: EUR 8,000 – EUR 14,000 per year

Living expenses:

Student: EUR 10,000

Spouse: EUR 7,500

Child: EUR 7,500 (first), EUR 6,000 (second)

While the timeline for processing applications is longer than in some other countries, Finland provides a clear path to PR after staying for five years. However, learning the Finnish language is often necessary for better job opportunities and integration.

1.3 United Kingdom

The UK allows spouse visas only for students enrolled in research-based master’s degrees or Ph.D. programs. If you get admission to such a program, your spouse can accompany you on a dependent visa, which permits them to work full-time.

1.3.1 Challenges

Spouse visa eligibility is restricted to research programs

No clear PR pathways for international students

High competition for limited PR options

One more question people ask me is whether it is the right time to go to Canada. The answer is yes. Whenever there are fewer people going to a particular country, that’s the best time to go. It is like the stock market – when everyone is fearful, be greedy, and when everyone is greedy, be fearful.

1.4 New Zealand

New Zealand is a fantastic choice for study visas with spouse work permits. The country offers strong PR pathways for students who complete degrees in fields listed on its Green List.

1.4.1 Financial Requirements

Tuition fees: NZD 20,000 – NZD 30,000 per year

Living expenses:

Student: NZD 15,000

Spouse: NZD 7,500

Child: NZD 5,000

New Zealand has stricter financial documentation requirements, often needing funds to be shown as savings for at least three to six months. The country offers PR eligibility within 4-5 years for students in high-demand fields.

1.5 Australia

Australia offers study visas with spouse work permits, similar to New Zealand. However, its PR process can take longer, averaging 8-10 years. The country has strict financial scrutiny, requiring sources of funds to be documented thoroughly.

1.5.1 Financial Requirements

Tuition fees: AUD 20,000 – AUD 40,000 per year

Living expenses:

Student: AUD 21,041

Spouse: AUD 7,362

Child: AUD 3,152

If you are flexible for the job title and location, you can get PR within two years in some cases. But worst-case scenario, you may not even get your PR in five years. Canada is giving out approximately 400,000 PRs each year, and if you are unable to get it, it may be due to your own lack of flexibility.

 

1.6 Final Comparison & Recommendations

CountrySpouse Work PermitPR PathwayFinancial Requirement (Approx.)Language RequirementCanadaYesStrongCAD 60,000EnglishFinlandYesStrongEUR 25,000Finnish (for better jobs)UKLimitedWeakGBP 30,000EnglishNew ZealandYesModerateNZD 40,000EnglishAustraliaYesModerateAUD 50,000English

For those looking for a country with strong PR options, Canada and Finland are the best choices. If your primary goal is just studying abroad with your spouse, the UK, New Zealand, and Australia may also be considered. However, always plan your move with PR in mind to ensure long-term stability.

If you are searching for the best immigration consultant in Panipat, best immigration consultant near me, or top immigration consultant near me and India, we are here to help.

If you want to apply for your study visa with me and if you are married, then I mostly target married people who want to travel with family. People come to me confused about which country to move to and where they are eligible to go. This article provides clarity and allows you to make an informed decision.

If you need assistance with your study visa and spouse visa application, feel free to contact us!

[swldx]

RNZ Pacific 1311 9 Feb 2025

7390Khz 1259 9 FEB 2025 - RNZ PACIFIC (NEW ZEALAND) in ENGLISH from RANGITAIKI. SINPO = 54334. English, s/on w/bellbird int. until pips and news @1300z anchored by Vicki McKay. § The New Zealand government says the Cook Islands has failed to properly consult it on proposed agreements its Prime Minister Mark Brown will be signing in China this week. Brown has now left for China without further consultation, RNZ understands. In a statement this afternoon a spokesperson for foreign affairs minister Winston Peters said they could confirm that Brown and Peters spoke over the phone on Friday. During that conversation Peters impressed upon Brown what further information New Zealand required to assuage concerns about the lack of consultation regarding the proposed Comprehensive Strategic Partnership between Cook Islands and China. § The government is overhauling its so called 'golden visa' scheme to lure wealthy investors to New Zealand. The Active Investor Plus visa gives wealthy foreigners residency if they directly invest in local companies, rather than in shares or bonds. It's had relatively little uptake since it was overhauled by the former Labour government in July 2022. This afternoon, Prime Minister Christopher Luxon announced his government was making changes to modernise the visa settings and attract foreign investment. § A nautical company in Wellington closes as tourism has been down since covid. § Former French president Nicolas Sarkozy is to be fitted with en electronic tag for a year after being found guilty of corruption. Sarkozy will wear the ankle monitor from February 7 and will only be allowed out of his home at certain times. QRM=slight heterodyne from cochannel carrier. @1304z Standards and Complaints PSA. @1305z Weather Forecast: fine with cloudy periods and isolated showers some heavy by afternoon. @1306z "All Night Programme" anchored by Vicki McKay. music. Backyard gutter antenna w/MFJ-1020C active antenna (used as a preamplifier/preselector), JRC NRD-535D. 100kW, beamAz 35°, bearing 240°. Received at Plymouth, United States, 12912KM from transmitter at Rangitaiki. Local time: 0659.

[sravani12345]

Australia Partner Visa: Your Path to Love & Residency

Moving to Australia to be with your partner? The Australia Partner Visa might be your ticket to building a future together in one of the world’s most beautiful and opportunity-filled countries. Whether you’re dreaming of a better career, a great lifestyle, or simply being with your loved one, this visa helps you make that dream a reality.

What Is the Australia Partner Visa?

The Australia Partner Visa is designed for people in a committed relationship with an Australian citizen, permanent resident, or eligible New Zealand citizen. It allows you to live, work, and study in Australia while waiting for permanent residency.

This visa is granted in two stages:

Subclass 309 Visa (Temporary Partner Visa): This is the first step, granting you temporary residence in Australia while your application for permanent residency is processed.

Subclass 100 Visa (Permanent Partner Visa): If your relationship remains genuine and stable after a waiting period (usually two years), you may be eligible for permanent residency.

Who Is Eligible?

To apply for the Subclass 309 and 100 Visa, you must: 

✔️ Be in a genuine and ongoing relationship with an eligible Australian citizen, permanent resident, or New Zealand citizen. 

✔️ Be married or in a de facto relationship (at least 12 months unless you have special circumstances). ✔️ Meet health and character requirements. 

✔️ Have a sponsor (your Australian partner).

Step-By-Step Application Process

1. Gather Your Documents

Before applying, make sure you have:

Identity documents (passport, birth certificate, etc.).

Proof of relationship (joint finances, shared household, messages, photos, travel records, etc.).

Health and police checks (to meet Australian immigration requirements).

Sponsorship documents (from your partner confirming they support your visa application).

2. Submit Your Online Application

You can apply online via the Department of Home Affairs website. Your partner also needs to submit a sponsorship application.

3. Wait for Processing

The Subclass 309 Visa typically takes 12 to 24 months to process.

After holding the 309 Visa for about 2 years, you can apply for the Subclass 100 Visa, which grants permanent residency.

4. Provide Additional Documents (If Requested)

During processing, immigration officers might ask for more documents to verify your relationship.

5. Receive Your Visa and Move to Australia!

Once approved, you can pack your bags and start your new life in Australia with your partner!

How Much Does It Cost?

Applying for the Australia Partner Visa isn’t cheap, but it’s a long-term investment in your future.

The application fee starts at AUD 8,850 (as of 2024).

Additional costs may include health checks, police clearances, and document translations.

Why Is the Partner Visa Worth It?

✅ Live, work, and study in Australia while waiting for permanent residency. ✅ Access healthcare and social benefits as a temporary resident. ✅ Pathway to Australian citizenship if you choose to stay long-term. ✅ No long-distance struggles – you and your partner can finally be together!

Final Tips for a Smooth Application

💡 Be honest and thorough – Immigration officials take relationship fraud seriously. 💡 Keep a record of your relationship – Regularly save texts, emails, travel tickets, and financial documents. 💡 Seek professional advice – If you're unsure, an immigration lawyer or migration agent can help.

Ready to Apply?

While the process takes time, the reward is worth it – a life with your partner in a country full of opportunities. If you’re serious about making Australia your home, start preparing your Subclass 309 and 100 Visa application today!

Need more help? Check out the official Australian Government Home Affairs website or consult an expert for personalized advice.

[irenicinternational]

Immigration Company in Zirakpur

Introduction

Zirakpur has emerged as a significant hub for immigration services in India, catering to individuals aspiring to study, work, or settle abroad. With increasing global opportunities and the growing demand for professional immigration assistance, numerous immigration companies have established themselves in Zirakpur. These companies offer expert guidance, ensuring a seamless and hassle-free visa application process for their clients.

If you are looking for a reliable Immigration Company in Zirakpur, this article will provide you with comprehensive insights into the services offered, benefits of hiring an immigration consultant, and how to choose the best company for your needs.

Services Offered by Immigration Companies in Zirakpur

We provide a wide range of services tailored to different visa categories. Here are some of the key services we offer:

Study Visa Assistance: For students aspiring to study abroad, immigration companies assist in selecting the right country, university, and course. They help in preparing documentation, SOP (Statement of Purpose), and visa applications for countries like Canada, Australia, the UK, the USA, and New Zealand.

Permanent Residency (PR) Visa Services: Many professionals and skilled workers seek PR visas to settle in countries like Canada and Australia. Immigration firms in Zirakpur guide clients through point-based immigration programs such as Express Entry, PNP (Provincial Nominee Programs), and other pathways.

Tourist & Visitor Visa Services: If you wish to travel abroad for leisure, visiting family, or business meetings, immigration companies help in processing visitor visas efficiently. We assist with documentation, application submission, and interview preparation.

Work Visa & Job Assistance: Securing a work visa can be challenging due to strict regulations and employer requirements. We help clients find job opportunities, prepare job applications, and apply for work permits in various countries.

Spouse & Dependent Visa Services: Many people wish to reunite with their families living abroad. we assist in processing spouse, dependent, and family sponsorship visas.

Investor & Business Visa: Entrepreneurs looking to expand their business overseas can benefit from expert guidance in securing investor and business visas. These visas allow individuals to establish or invest in foreign businesses.

Common Challenges in Immigration & How Consultants Help

Visa Rejections:  Incomplete documents, financial insufficiency, or discrepancies in application.We help in rectifying errors and filing reapplications.

Delays in Processing: Backlog of applications or additional document requirements. Experts keep track of application status and provide follow-up assistance.

Difficulty in Meeting Language Requirements: Many firms offer IELTS and PTE coaching to improve language scores.

Lack of Awareness About the Right Immigration Pathway: We  provide proper assessment and suggest the most suitable visa program.

Conclusion

A professional Immigration Company in Zirakpur plays a crucial role in simplifying the complex visa application process. Whether you aim to study, work, or settle abroad, choosing the right immigration consultant can make all the difference. By considering factors like reputation, experience, transparency, and services offered, you can find the best immigration firm to guide you toward your global aspirations.

If you’re planning to start your immigration journey, research well, consult experts, and take the right step towards fulfilling your dream of settling abroad!

[ashadowofburnedoutstardust]

Apparently the government got called out for basically shoveling the entire country into a recession in order to force the hand of selling state-owned assets into private hands

Thus far with managed to stop a lot of their legislation, meanwhile they're attempting to bankrupt the entire country

I have a solution

We have so many billionaires that reside in this country that since they apparently live here and have citizenship they should be paying taxes in this country

It seems like the easiest solution for the next incoming government that's going to win by a landslide after the racist that the current government has been attempting to pull

I mean it does make you wonder if this American lobby that has been connected to the pedo party/National/Winnie the racist has some sort of connection to the republican party in the US who apparently want to buy Greenland?

I mean is that because they haven't managed to secure the mining rights in New Zealand yet?

I mean even if all of these companies end up buying permits and things it would take years of clearances to set up and then once the next government comes in they'd all get told to sod off, so I mean is it worth the business investment?

Seems easier to just tax the billionaires, or introduce a capital gains tax, while regulating both the rental market as well as investigating the retail sector

I wonder how much time will have passed by now because it doesn't really matter how long ago it was they still get prosecuted if they're able to find the evidence

I remember years ago when the head of like I think it was like Sony or Apple got his ass hauled into the prime ministers office for lying about online sales in this country when assurances were made that we weren't being ripped off and then the independent investigation found in fact that we were, that was nearly 20 years ago but that's probably the first time the USA as well as the entertainment industry majorly pissed off millennials in this country

It's why nearly all of us understand the process of how to pirate things lmfao

Yeah our watch dogs can be a little nasty that way

I wonder what they're working on right now

[iclegalnz]

The Future of Investing in New Zealand: Active Investor Plus Visa Explained - Immigration Chambers

Explore the Active Investor Plus Visa—a game-changing opportunity for investors seeking growth in New Zealand. Learn about eligibility, investment options, and why this visa is attracting global interest. Secure your place in one of the world’s most dynamic economies!

[kawaiikinghologram]

Armin Ordodary, FSM Smart, and Lau Global Services

In the era of CFDs and binary options, massive international forex operations arose. With the peak occurring in or around 2015, many of them began operating between 2010 and 2012. Legislators and regulators needed some time to recognize emerging trends and devise effective countermeasures. The beginning of 2014 saw regulators issue warnings about binary options, signaling the end of the FX gold rush. It took three more years for regulators to formally outlaw binary options. A few international forex operations impacted hundreds of thousands of retail investors between 2012 and 2017. One of the groups that created a wave of binary options, forex, and cryptocurrency trading methods is Lau Global Services Corp. Media has requested additional information to establish an EFRI funds recovery campaign.

The FSM Smart Broker Scheme by Armin Ordodary

The FSM Smart operation has been aggressively gaining clients through their Serbian boiler room Upmarket d.o.o., according to information provided to the media by whistleblowers. Benrich Holdings Ltd., a company based in Cyprus, is the only shareholder in this boiler room. Armin Ordodary, a resident of Cyprus, is a director of both companies. Upmarkt is only one of the Lau Global Services Corp operations' several boiler rooms. FinTelegrem has information that indicates FSM Smart and Armin Ordodary are involved in the “Lau Network.”

The “Lau Network” has only a few minor branches, including the Serbian Upmarkt d.o.o. Kiev, Ukraine, has served as something of an epicenter for additional boiler rooms that have already been discovered in other jurisdictions. For instance, call center addresses in Kiev were discovered by the Russian website Forex Analysis. Apart from E&G Bulgaria, Lau Global Services Corp is unquestionably one of the biggest broker enterprises on the planet. Even with so many offshore connections, this operation appears to be run out of Ukraine and the Balkans.

The Global Services Network of Lau

It is clear that there are connections between the operators of FSM Smart and other individuals, such as MTI Markets (www.mtimarkets.com). According to reports, Lau Global Services Corp., the company behind this unlawful broker, also ran the following other broker operations:

TradingMX (www.tradingmx.com)

LGS Corp www.lgs-corp.com

TradingBanks (www.tradingbanks.com)

Trade12 (https://www.trade12.com)

MTI Markets (mtimarkets.com)

Grizzly (www.grizzly-ltd.com)

The following companies have been linked to the Lau Global Services Group by the Media team:

Belize’s Lau Global Services Corp

Serbian Upmarkt d.o.o

Global Fin Services Ltd (UK), Exo Capital Markets Ltd (Marshall Islands), and MTI Investments LLC or MTI Markets Ltd (Marshall Islands)

Malta-based Grizzly Ltd

Cyprus-based R Capital Solutions Ltd

Cyprus-based Benrich Holdings Ltd

SIO Ltd (Cyprus)

Eyar Financial Corp Limited (Vanatu)

Regulators from many jurisdictions issued numerous warnings to the brands and businesses connected to Lau Global Services Corp.

August 2015: MXTrade and Lau Global Services were the targets of an investor alert by the Italian CONSOB.

September 2015: MXTrade and Lau Global Services were the targets of an investor alert from Cyprus agency CySec.

April 2016: The Belgian Financial Services Authority (FSMA) cautioned investors.

November 2016: The Australian regulator ASIC issued a warning to investors about MXTrade.

November 2016: The New Zealand regulator FMA issued a warning to investors about EXO Capital Markets Ltd. trading as Trade12.

November 2017: The Guernsey regulator issued a warning to investors about Exo Capital Markets Ltd. trading as Trade12.

Individuals Found in the Network

The individuals listed in the FSM Smart network include Mathew Bradley, Ali Mahmoudi, and Armin Ordodary, a resident of Cyprus who is purportedly a former Windsor Brokers employee. Born in January of 1991, Armin Ordodary has registered multiple forex trading domains during the years of 2013 and 2014. In addition, he serves as the director of Bythos Yachts Management OÜ in Estonia.

The well-established ties that Armin Ordodary

We are unable to determine at this time if Armin Ordodary was a lieutenant in Cyprus or one of the network’s leaders. In actuality, we have managed to determine his affiliation with businesses, endeavors, and undertakings within the brokering landscape. He has ties to both the Nepcore project and SIAO Ltd, a provider of services. Additionally, we are aware that he oversees the Upmarkt boiler room in Serbia, which provided services to FSM Smart. He offered marketing services for the Lau Network’s operations through Nepcore.

[carnivalofrust]

Armin Ordodary

In the era of CFDs and binary options, massive international arose. With the peak occurring in or around 2015, many of them began operating between 2010 and 2012. Legislators and regulators needed some time to recognize emerging trends and devise effective countermeasures. The beginning of 2014 saw regulators issue warnings about binary options, signaling the end of the FX gold rush. It took three more years for regulators to formally outlaw binary options. A few international forex scammers duped hundreds of thousands of retail investors between 2012 and 2017. One of the groups that created a wave of illicit binary options, and cryptocurrency trading methods is Corp. Media has requested additional information to establish an EFRI funds recovery campaign.

The FSM Smart by Armin Ordodary

The fraudulent FSM Smart (www.fsmsmart.com) has been aggressively gaining clients through their Serbian boiler room Upmarket d.o.o., according to information provided to the media by whistleblowers. Benrich Holdings Ltd., a company based in Cyprus, is the only shareholder in this boiler room. Armin Ordodary, a resident of Cyprus, is a director of both companies. Upmarkt is only one of the Lau Global Services Corp several boiler rooms.

The has only a few minor branches, including the Serbian Upmarkt d.o.o. Kiev, Ukraine, has served as something of an epicentre for additional boiler rooms that have already been discovered in other jurisdictions. For instance, call centre addresses in Kiev were discovered by the Russian website. Apart from E&G Bulgaria, Lau Global Services Corp is unquestionably one of the biggest illicit broker enterprises on the planet. Even with so many offshore connections, this operation appears to be run out of Ukraine and the Balkans.

However, let’s begin with FSM Smart and work our way up to the larger picture. Early in 2018, the illicit FSM Smart made its debut. Investor cautionary note regarding the current FSM Smart (www.fsmsmart.com) :

August 2018: In the summer of 2018, the Financial Markets Authority (FMA) of New Zealand issued a warning on FSM Smart.

In November 2018, the Canadian watchdog in Manitoba (MSC) issued an investor warning against FSM Smart, while the financial market regulatory organisation in Switzerland, 

FINMA issued a warning against the company. FSM Smart’s contact address is reportedly Hertensteinstrasse 51, 6004 Luzern in Switzerland.

The Global Services Network of Lau

It is clear that there are connections between the operators of the FSM Smart and other con artists, such as MTI Markets (www.mtimarkets.com). According to reports, Corp., the company behind this unlawful broker, also ran the following other illicit:

TradingMX

(http://www.tradingmx.com)

(www.lgs-corp.com) LGS Corp.

(www.tradingbanks.com) TradingBanks

Trade12: https://www.trade12.com

mtimarkets.com, the website of MTI Markets

(www.grizzly-ltd.com) Grizzly

The following companies have been linked to the Lau Global Services Group by the Media team:

Belize’s Lau Global Services Corp.

Serbian Upmarkt d.o.o.

Global Fin Services Ltd (UK), Exo Capital Markets Ltd (Marshall Islands), and MTI Investments LLC or MTI Markets Ltd (Marshall Islands)

Malta-based Grizzly Ltd.

Cyprus-based R Capital Solutions Ltd.

Cyprus-based Benrich Holdings Ltd.

SIO Ltd (Cyprus)

Eyar Financial Corp Limited (Vanatu)

Most of the businesses don’t have a website or aren’t active on social media. Armin Ordodary, a resident of Cyprus, appears to be involved. The last several months have seen the disappearance of all the websites and social media accounts he is directly related to going offline. Only to bring up his SIAO Ltd. The reason behind this is the question.

Regulators from many jurisdictions issued numerous warnings to the brands and businesses connected Corp.

August 2015: MXTrade and Lau Global Services were the targets of an investor alert by the Italian CONSOB;

September 2015: MXTrade and Lau Global Services were the targets of an investor alert from Cyprus agency CySec;

April 2016: The Belgian Financial Services Authority (FSMA) cautioned investors.

Nov. 2016 saw the Australian regulator ASIC issue a warning to investors about MXTrade; Nov. 2016 saw the New Zealand regulator FMA issue a warning to investors about EXO Capital Markets Ltd. trading as Trade12; 

Nov. 2017 saw the Guernsey regulator issue a warning to investors about Exo Capital Markets Ltd. trading as Trade12;

numerous other warnings regarding the various trading styles (domains/brands)

[miamorimachi]

Tips for Locating the Perfect Portable A/c Unit Online in New Zealand

When it relates to keeping cold in the course of the very hot summertime, having the best portable air conditioning system is important for comfort. Portable air conditioner units are a wonderful choice for people who desire versatility and performance without the need for permanent installation. Whether you're searching for an air conditioning system for your bedroom, residing room, or office, finding the ideal portable a/c unit NZ can make all the distinction in your comfort and energy expenses. Here are actually some useful recommendations to take into consideration when purchasing a portable air conditioning system online in New Zealand.

Understand Your Cooling Needs

Just before purchasing Haier AC, it is essential to analyze the cooling requirements of the area you plan to use it in. Portable ac system happened in different cooling abilities, and deciding on the correct one for your space size is key to making certain productivity and comfort. A small air conditioner unit are going to function effectively for a bed room or even smaller space, while bigger ac system are perfect for greater residing places or clearances. Inspect the unit's BTU (British Thermic Unit) rating, which are going to indicate its own cooling power. The greater the BTU, the much larger the space it can successfully cool down. Be sure to select the most ideal portable air conditioning system NZ that matches the size of the area where it are going to be used to steer clear of paying too much for a big unit or undercooling a much larger room.

Consider Energy Effectiveness

Energy efficiency is a best priority for many when selecting an air conditioning system NZ portable. Air conditioner units may consume a considerable amount of electric power, specifically in the course of the warm summer season when they are used widely. Look for portable air conditioning system along with high energy productivity ratings. Designs featuring energy-saving features, including rest modes or eco settings, can help in reducing your electrical power costs while still providing you with the air conditioning comfort you need. Lots of best brands like Daikin AC, Carrier AC, and Mitsubishi Heavy Industries AC provide energy-efficient choices that not just lower energy intake however additionally boost the overall performance of the unit. If you're concerned regarding energy expenses, think about investing in a portable a/c unit with enhanced inverter modern technology, which guarantees the unit utilizes power more effectively.

Try to find Portability and Convenience

One of the major conveniences of a portable ac unit is its mobility. Pick portable air con unit NZ that fits your way of living and could be easily moved in between areas, relying on where you need to have cooling a lot of. Take into consideration the body weight, dimension, and mobility of the unit, along with attributes like integrated tires or even takes care of, that make it less complicated to transport from space to area. If you consider to relocate your air conditioner unit from your bar to your room or maybe in between various floors, a light-weight and portable style will definitely deliver you along with the adaptability you need to have. Some air conditioners also feature easy-to-install home window packages that enable you to prepare all of them up in different areas swiftly. In addition, you might would like to check out whether the portable ac system possess a push-button control, therefore you can readjust the temperature level and fan settings from the comfort of your bedroom or even couch.

Research Study the most effective Brands and Models

When looking for portable ac system online in New Zealand, it is essential to decide on a reliable brand that gives premium, heavy duty, and successful units. Popular brands like Rinnai AC, Haier AC, Gree AC, and Panasonic AC have a tough credibility for creating portable central air conditioning units that are both reputable and dependable. If you are actually trying to find sophisticated attributes and premium efficiency, take into consideration buying a style from a depended on brand including Daikin AC or Mitsubishi Heavy Industries AC. Furthermore, examine product testimonials and rankings to see what various other consumers have to say about the efficiency, longevity, and ease of making use of of certain versions. While several versions are readily available at a variety of rate factors, acquiring a top-tier brand can provide you comfort, knowing your portable air conditioner NZ will certainly give consistent air conditioning as time go on.

Final Thoughts

Discovering the best portable air conditioning system online in New Zealand needs cautious factor to consider of your space dimension, cooling down necessities, and energy productivity. Whether you're looking for a small ac system or a more highly effective portable AC to cool your whole entire home, there's a broad variety readily available to fit your finances and requirements. Portable ac unit provide a convenient and cost-efficient technique to keep comfy year-round, particularly when coupled with NZ heat pumps that use both home heating and cooling solutions. Along with the right version, you can easily ensure comfort and productivity during the course of those hot summertime months while keeping your energy consumption in inspection.

Whether you decide on brands like Daikin AC, Carrier AC, or Hitachi AC, remember to try to find attributes that match your requirements and inclinations. Whether you're hunting for a small central air conditioning unit for a singular area or even a larger model to cool down an entire house, there's an alternative out there for you. Make sure to consider factors such as energy performance, transportability, and brand credibility and reputation when deciding on the most ideal portable air conditioner unit to satisfy your lifestyle in New Zealand.