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This Magazine Is Produced by the Waiau Pa & Clarks Beach Business November 2019 The Greenie This magazine is produced by the Waiau Pa & Clarks Beach Business Association Inc. www.theGreenie.co.nz 1 Waiau Pa & Clarks Beach Business Association The Greenie • Keeping our community informed • Photos and stories about local people and events • Business updates Become a member for $50 and enjoy the benefits • Free monthly listing • Discounted advertising rate • One-off business profile • Permanent profile on the website To join the Business Association go to the website: www.theGreenie.co.nz and fill out the online member application form. Submit this and you will be contacted by a committee member to explain the benefits of membership. Deadline for the December 2019 issue by 20th November Contact: [email protected] Free notices for “non-profit” community groups Personalised adverts 50 cents a word, maximum 20 words 2019 Business Association Committee Chairman: Graham Guy 027 477 1176 Secretary: Michele Mathieson 0274863 738 Treasurer: Felicity Reber 09 232 1881 Greenie: Megan Allan 027 279 1128 Website: Kimberley Cameron 021 201 0001 Technical Advisor John Williams 021 679 949 Community Liaison Kim-Maree Osborne 027 491 9205 In this issue Halloween in Clarks Beach - page 4 David Greenfield on GST, Overseas suppliers, Kiwisaver and more - page 5 Increased share of lending for home buyers - page 6 Indoor bowls season windup - pages 8 & 9 Animal management report from Auckland Council - page 12 Thanks as always to our regular contributors Upcoming Events Waiau Pa Hockey Centennial Celebrations - 8th & 9th November Coffee with a Cop - 12th November Waiauku Christmas Market - 23rd November Business Association Christmas at the CB Yacht Club - 6th December CB Playgroup Christmas - 11th December Kids Tryathalon - 21st February 2020 2 You are invited . to join the Business Association Committee at the Clarks Beach Yacht Club Friday 6th December at 6pm for our annual Christmas party. This year the invitation is open to both members and non-members - come along, have a drink with friends & a barbecue. Members - free Non-members $20.00 p/p for bbq. Plans for the proposed floating pontoon at Clarks Beach will be re- vealed during the evening. You are welcome to ask questions of the “pontoon committee”. We look forward to seeing you there! COFFEE WITH A COP Do you have concerns about issues of law and order in our local community? Now is your chance to discuss them with the local police in a relaxed and friendly environment. Pop in to Cafe SoLe Seaway Road, Clarks Beach on Tuesday 12th November between 10.30 and 11.30am. Share a cuppa with Community Constable Kelly Cochrane and air your concerns. Any worry you have - big or little - is a concern to the police if it is a concern to you, (No need to make a booking). Letter to the Editor I am concerned about the speed that motorists drive in the 50km zones coming into the Waiau Pa village and out especially from Clarks Beach. This morning a car driven by some young female school students passed another car almost as they went around the corner into MacKenzie Road from Clarks Beach. It was unbelievable. We walk our dogs daily and find that most of the traffic takes no notice of speed limits on these roads. Considering there is a school, kindergarten and the village shops etc in this busy area it is absolutely appalling. I note that a few weeks ago a police car spent some time around the area but he was in a marked car, he said there had been complaints about the driving. Concerned resident 3 HALLOWEEN 2019 IN CLARKS BEACH 4 Advice from local accountant David Greenfield David Greenfield Business Solutions GST trap for Air B&Bs If you have an those whose sales to this country are less than Air B&B and have to register for GST. (Rental $60,000 per year. $60,000 or more) then if you sell to a non- KiwiSaver change The KiwiSaver scheme GST registered person, such as someone who is to be changed to allow those with congenital wants to use the house as a home, you will be life-shortening illnesses to withdraw their required to pay GST on the amount you sell money from KiwiSaver early. It is proposed for. Your GST claim basis will be limited to that the applicant may choose the date of 100% of what you paid for the house. withdrawal and the amount. Once a withdrawal House sells for $750,000. GST on this is is made, the scheme will be considered to have $97,826. It cost you $300,000 to buy the ceased and the Government will not make any house. You can claim the GST more contributions to KiwiSaver on this figure - $39,130. When and neither will the employer be you first registered for GST, expected to contribute. you would have made a GST No more cheques for claim based on the expected IRD will not be accepting business use of the house - say IRD cheques from 1 March 2020. If 60% = $23,478. Assuming this you prefer to use cheques, start estimate had not changed, you preparing to change the way you can now claim the difference pay your tax. If online banking being ($39130 - $23,478) = worries you because of the risk $15652. So pay Inland Revenue of a hacker stealing your money, ($97,826-$15,652) = $82,174. you could have a special bank You might have been registered account and put your tax money in it only when for GST for only a few months! Ow! Very nice you are ready to pay it. Inland Revenue has for the IRD though. advised us the payment options will be: If you deal with Overseas suppliers myIR: Direct debit and card payments can be overseas suppliers, be sure to let them made from myIR. know you are GST registered before GST Online banking: One-off or scheduled recurring on low value imports comes into effect on payments can be made using online banking. 1 December 2019. For business to business Money transfer: Your clients based overseas transactions, an overseas supplier can zero can pay us using a money transfer service. rate your purchase. If you are charged GST in Search for “Make a payment” on our website error, you have two options: Get the GST back for more information. from the supplier. Get the supplier to send Credit or debit card via our website: you a tax invoice so you can claim the GST Payments can be made by credit or debit card back. Any item costing $1000 or less will be a through our secure payment website. Go to our low value import and the GST will be collected website and search for “Make a payment” and by the supplier, provided the total supplies select “Pay using credit or debit card”. to this country amount to $60,000 or more Westpac: EFTPOS or cash payments can be per annum. There will, of course, be suppliers made at any Westpac branch or Smart ATM. If who are not registered for GST, particularly you need some help, call us. 5 Ian Little from Bayleys Research Increased share of lending for first home buyers When it comes to approaching a financial They are also more able to bid and buy with pre-ap- institution for home purchase funding, who proved finance. They have no problems purchasing gets the biggest bite of the cherry? up to the medium house price in Auckland of Loan to value restrictions have been in place for $840,000.” some time, although they have been amended The last thing that has surprised us is from time to time. “Generally what it means the value. There is speculation that the Reserve is that investors are required to pay a higher Bank will signal a further easing in the LVRs deposit than owner occupiers” says Ian Little from (loan to value ratio), probably when they release Bayleys Research. their next financial stability report, in November. As a result of that the share of lending Investors will be looking at whether requirements to first home buyers has increased. Investors on them for deposits are eased. The Reserve Bank, have been required to pay a higher deposit than in conjunction with the lending banks, is looking at owner occupiers. Statistics show that in 2015 first forcing those banks to hold more capital. As a re- home buyers made up 10% of new home loans – in sult of that we’ll see the more money banks have to the latest figures it is about 18%. That is now hold on their books, the less they will have available pretty well even with where the investors are - at to lend. a high of 35% in 2016. Little suggests we might see a small A larger part of the pie is being taken increase in interest rates but as that is from by owner occupiers. They are also increasing the these historically low levels it shouldn’t have much amount they are borrowing. “Last year it was impact. The other consequence of that is that with about 11.1 billion in new mortgages, up from 9.5 less money to lend the banks will look more closely billion over a year ago” Little says. “It is clear that at the risk structure of their loans. first home buyers are becoming more active in The good news for home buyers par- the market. ticularly is people who are looking to move up or “Out at the coal face there are more first home downsize are viewed as relatively low risk in terms buyers attending open homes.
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