Interest.co.nz submission to Parliamentary Inquiry Sept2

•Download as PPTX, PDF•

0 likes•335 views

This document contains the text from a submission to a multi-party inquiry into banking in New Zealand. It addresses several issues, including arguing that the main problem is New Zealand's structural settings that favor housing investment rather than bank profiteering. It also notes that wholesale and local funding costs for banks have increased while bank net interest margins have actually fallen. The submission suggests solutions such as a flatter tax system, more productive investment, less property speculation, and changes to capital adequacy rules and requirements.

Economy & Finance Business Technology

Submission to Multi-Party Inquiry into Banking by interest.co.nz Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

Why the problem is not bank profiteering. The problem is New Zealand’s structural settings favouring housing investment. Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

Who are we to say this? Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

NZers care an awful lot about interest rates Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

Obviously banks are profiteering…right? Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

That’s a big gap. They must be creaming it. Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

Wholesale funding costs are up 100 bps Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

Local funding costs are up 150 basis points Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

Bank net interest margins actually fell Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

And they’ve been falling for a long while Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

The bias to farm and housing lending worsened in 2009 Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

And the connection is a foreign debt blowout Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

Who in this room has an LAQC or family trust? Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

Ever wonder what a loss of sovereignty might look like? Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

Reserve Bank Governor Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

Bank regulator Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

Currency Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

So what do we do? Parliamentary Banking Inquiry- Wellington - Sept 2, 2009 ,[object Object]

Their has been a remarkable shift in the savings-investment gap at the global level as well as in India. While this has had a tangible impact on global potential growth, the recovery is likely to differ from one country to another. In the Indian context, the recovery in trend growth is likely to be much higher than what is generally peceived and thus requires a more proactive response from policy makers, especially the monetary authorities.

Budget2011: Where to now?

Stephen Kinsella

Business cycles

Donna Miller

Nzmea presidents functionmay13christchurch

Bernard Hickey

Rprc April13 Kiwisaver

Bernard Hickey

Robert halfmarch17

Bernard Hickey

FAI Finance ProspectusBernard Hickey

PwC Partner John Shewan on base broadening measures for Tax Working GroupBernard Hickey

PwC partner Geof Nightingale on Tax Working Group scenariosBernard Hickey

Deloitte partner Mike Shaw on Land Tax optionBernard Hickey

Viewers also liked

Waxmanletter20090818DocJess

Stay Safe In CyberspaceCarolyn Argo

Lab ProceduresCarolyn Argo

Digital Marketing Pakistan Personalites

Tuesday_Digital

Web 2.0 - Then And Now

Udayan Banerjee

Integrated Marketing Communications

Jeff Hilton

Club Coach Programkarenthrelkeld

Viewers also liked (7)

Waxmanletter20090818

Stay Safe In Cyberspace

Lab Procedures

Digital Marketing Pakistan Personalites

Web 2.0 - Then And Now

Integrated Marketing Communications

Club Coach Program

Similar to Interest.co.nz submission to Parliamentary Inquiry Sept2

Final Rabo Plus Financial Confidence Index (Media Pack)Bernard Hickey

28 July 2009 Automotive Accountants' Forum

Colledges

Indian Economy: The Curious Case of Household Savings-Investment Gap

Ashutosh Bhargava

Indian Economy: the curious case of household savings-investment gapAshutosh Bhargava

Viewpoint_Issue_2Philip Brooks

The Curious Case of Savings-Investment Gap and its Implications for India

Ashutosh Bhargava

Budget2011: Where to now?

Stephen Kinsella

Business cycles

Donna Miller

Similar to Interest.co.nz submission to Parliamentary Inquiry Sept2 (8)

Final Rabo Plus Financial Confidence Index (Media Pack)

28 July 2009 Automotive Accountants' Forum

Indian Economy: The Curious Case of Household Savings-Investment Gap

Indian Economy: the curious case of household savings-investment gap

Viewpoint_Issue_2

The Curious Case of Savings-Investment Gap and its Implications for India

Budget2011: Where to now?

Business cycles

Recently uploaded

The secret way to sell pi coins effortlessly.

DOT TECH

Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately. Telegram: @Pi_vendor_247

what is a pi whale and how to access one.

DOT TECH

US Economic Outlook - Being Decided - M Capital Group August 2021.pdf

pchutichetpong

The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings. Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively. However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly? “In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group. While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.

Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...

Quotidiano Piemontese

how to sell pi coins on Bitmart crypto exchange

DOT TECH

Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants. A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch. I will leave the telegram contact of my personal pi merchant to trade with. @Pi_vendor_247

what is the future of Pi Network currency.

DOT TECH

The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future: Message: @Pi_vendor_247 on telegram if u want to sell PI COINS. 1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place. 2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become. 3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential. 4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future. 5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies. 6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network. 7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability. It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.

how can I sell/buy bulk pi coins securely

DOT TECH

BYD SWOT Analysis and In-Depth Insights 2024.pptx

mikemetalprod

Indepth analysis of the BYD 2024 BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology. This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries. Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s. Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology. Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit. On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.

how to sell pi coins effectively (from 50 - 100k pi)

DOT TECH

Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options. Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026. Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell. Consequently, right now. All you need to do is select the right pi network provider. Who is a pi merchant? An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant. debuts. I'll provide you the Telegram username @Pi_vendor_247

一比一原版(IC毕业证)帝国理工大学毕业证如何办理

conose1

IC毕业证文凭证书【微信95270640】一比一伪造帝国理工大学文凭@假冒IC毕业证成绩单+Q微信95270640办理IC学位证书@仿造IC毕业文凭证书@购买帝国理工大学毕业证成绩单IC真实使馆认证/真实留信认证回国人员证明如果您是以下情况，我们都能竭诚为您解决实际问题：【公司采用定金+余款的付款流程，以最大化保障您的利益，让您放心无忧】 1、在校期间，因各种原因未能顺利毕业，拿不到官方毕业证+微信95270640 2、面对父母的压力，希望尽快拿到帝国理工大学帝国理工大学毕业证学历书； 3、不清楚流程以及材料该如何准备帝国理工大学帝国理工大学毕业证学历书； 4、回国时间很长，忘记办理； 5、回国马上就要找工作，办给用人单位看； 6、企事业单位必须要求办理的；面向美国乔治城大学毕业留学生提供以下服务: 【★帝国理工大学帝国理工大学毕业证学历书毕业证、成绩单等全套材料，从防伪到印刷，从水印到钢印烫金，与学校100%相同】【★真实使馆认证（留学人员回国证明），使馆存档可通过大使馆查询确认】【★真实教育部认证，教育部存档，教育部留服网站可查】【★真实留信认证，留信网入库存档，可查帝国理工大学帝国理工大学毕业证学历书】我们从事工作十余年的有着丰富经验的业务顾问，熟悉海外各国大学的学制及教育体系，并且以挂科生解决毕业材料不全问题为基础，为客户量身定制1对1方案，未能毕业的回国留学生成功搭建回国顺利发展所需的桥梁。我们一直努力以高品质的教育为起点，以诚信、专业、高效、创新作为一切的行动宗旨，始终把“诚信为主、质量为本、客户第一”作为我们全部工作的出发点和归宿点。同时为海内外留学生提供大学毕业证购买、补办成绩单及各类分数修改等服务；归国认证方面，提供《留信网入库》申请、《国外学历学位认证》申请以及真实学籍办理等服务，帮助众多莘莘学子实现了一个又一个梦想。专业服务，请勿犹豫联系我如果您真实毕业回国，对于学历认证无从下手，请联系我，我们免费帮您递交诚招代理：本公司诚聘当地代理人员，如果你有业余时间，或者你有同学朋友需要，有兴趣就请联系我你赢我赢，共创双赢你做代理，可以帮助帝国理工大学同学朋友你做代理，可以拯救帝国理工大学失足青年你做代理，可以挽救帝国理工大学一个个人才你做代理，你将是别人人生帝国理工大学的转折点你做代理，可以改变自己，改变他人，给他人和自己一个机会美景更增添一份性感夹杂着一份纯洁的妖娆毫无违和感实在给人带来一份悠然幸福的心情如果说现在的审美已经断然拒绝了无声的话那么在树林间飞掠而过的小鸟叽叽咋咋的叫声是否就是这最后的点睛之笔悠然走在林间的小路上宁静与清香一丝丝的盛夏气息吸入身体昔日生活里的繁忙与焦躁早已淡然无存心中满是悠然清淡的芳菲身体不由的轻松脚步也感到无比的轻快走出这盘栾交错的小道眼前是连绵不绝的山峦浩荡天地间大自然毫无吝啬的展现它的达

Analyzing the instability of equilibrium in thr harrod domar model

ManthanBhardwaj4

Donald Trump Presentation and his life.pptx

SerdarHudaykuliyew

What website can I sell pi coins securely.

DOT TECH

Currently there are no website or exchange that allow buying or selling of pi coins.. But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch. Who is a pi merchant? A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi.. This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges. How can I sell my pi coins? Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with. Tele-gram. @Pi_vendor_247

when will pi network coin be available on crypto exchange.

DOT TECH

There is no set date for when Pi coins will enter the market. However, the developers are working hard to get them released as soon as possible. Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges. But for now the only way to sell your pi coins is through verified pi vendor. Here is the telegram contact of my personal pi vendor @Pi_vendor_247

Instant Issue Debit Cards - School Designs

egoetzinger

一比一原版(GWU,GW毕业证)加利福尼亚大学|尔湾分校毕业证如何办理

obyzuk

GWU,GW毕业证录取书【微信95270640】一比一伪造加利福尼亚大学|尔湾分校文凭@假冒GWU,GW毕业证成绩单+Q微信95270640办理GWU,GW学位证书@仿造GWU,GW毕业文凭证书@购买加利福尼亚大学|尔湾分校毕业证成绩单GWU,GW真实使馆认证/真实留信认证回国人员证明全套服务：加利福尼亚大学|尔湾分校加利福尼亚大学|尔湾分校毕业证成绩单真实回国人员证明 #真实教育部认证。让您回国发展信心十足#铸就十年品质！信誉！实体公司！可以视频看办公环境样板如需办理真实可查可以先到公司面谈勿轻信小中介黑作坊！可以提供加利福尼亚大学|尔湾分校钢印 #水印 #烫金 #激光防伪 #凹凸版 #最新版的毕业证 #百分之百让您绝对满意印刷DHL快递毕业证 #成绩单7个工作日真实大使馆教育部认证1个月。为了达到高水准高效率请您先以qq或微信的方式对我们的服务进行了解后如果有加利福尼亚大学|尔湾分校加利福尼亚大学|尔湾分校毕业证成绩单帮助再进行电话咨询。国外毕业证学位证成绩单如何办理： 1客户提供办理信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：我们有专业老师帮你查询）； 2开始安排制作加利福尼亚大学|尔湾分校毕业证成绩单电子图； 3毕业证成绩单电子版做好以后发送给您确认； 4毕业证成绩单电子版您确认信息无误之后安排制作成品； 5成品做好拍照或者视频给您确认； 6快递给客户（国内顺丰国外DHLUPS等快读邮寄）。口水苦涩无比山娃一边游泳一边念念不忘那元门票尤令山娃气愤的是泳池老板居然硬让父亲买了一大一小二条巴掌般大的裤衩衩走出泳池山娃感觉透身粘粘乎乎散发着药水味有点痒山娃顿时留恋起家乡的小河潺潺活水清凉无比日子就这样孤寂而快乐地过着寂寞之余山娃最神往最开心就是晚上无论多晚多累父亲总要携山娃出去兜风逛夜市流光溢彩人潮涌动的都市夜生活总让山娃目不暇接惊叹不已父亲老问山娃想买什么想吃什么山娃知道父亲赚钱很辛苦在

Instant Issue Debit Cards

egoetzinger

一比一原版(UCSB毕业证)圣芭芭拉分校毕业证如何办理

bbeucd

UCSB毕业证文凭证书【微信95270640】办理圣芭芭拉分校毕业证成绩单（Q微信95270640）毕业证学历认证OFFER专卖国外文凭学历学位证书办理澳洲文凭|澳洲毕业证,澳洲学历认证,澳洲成绩单澳洲offer,教育部学历认证及使馆认证永久可查 ,国外毕业证|国外学历认证,国外学历文凭证书 UCSB毕业证，UCSB毕业证，UCSB毕业证，UCSB毕业证，UCSB毕业证，UCSB毕业证，UCSB毕业证，专业为留学生办理毕业证、成绩单、使馆留学回国人员证明、教育部学历学位认证、录取通知书、Offer、【实体公司】办圣芭芭拉分校圣芭芭拉分校毕业证成绩单学历认证学位证文凭认证办留信网认证办留服认证办教育部认证（网上可查实体公司专业可靠） — — — 留学归国服务中心 — — - 【主营项目】一.圣芭芭拉分校毕业证成绩单使馆认证教育部认证成绩单等！二.真实使馆公证(即留学回国人员证明,不成功不收费) 三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度) 国外毕业证学位证成绩单办理流程： 1客户提供圣芭芭拉分校圣芭芭拉分校毕业证成绩单办理信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：我们有专业老师帮你查询）； 2开始安排制作毕业证成绩单电子图； 3毕业证成绩单电子版做好以后发送给您确认； 4毕业证成绩单电子版您确认信息无误之后安排制作成品； 5成品做好拍照或者视频给您确认； 6快递给客户（国内顺丰国外DHLUPS等快读邮寄）。专业服务请勿犹豫联系我！本公司是留学创业和海归创业者们的桥梁。一次办理终生受用一步到位高效服务。详情请在线咨询办理,欢迎有诚意办理的客户咨询!洽谈。招聘代理：本公司诚聘英国加拿大澳洲新西兰美国法国德国新加坡各地代理人员如果你有业余时间有兴趣就请联系我们咨询顾问：+微信:95270640田里逡巡一番抱起一只硕大的西瓜用石刀劈开抑或用拳头砸开每人抱起一大块就啃啃得满嘴满脸猴屁股般的红艳大家一个劲地指着对方吃吃地笑瓜裂得古怪奇形怪状却丝毫不影响瓜味甜丝丝的满嘴生津遍地都是瓜横七竖八的活像掷满了一地的大石块摘走二三只爷爷是断然发现不了的即便发现爷爷也不恼反而教山娃辨认孰熟孰嫩孰甜孰淡名义上是护瓜往往在瓜棚里坐上一刻饱吃一顿后山娃就领着阿黑漫山遍野地跑阿黑是一条黑色的大猎狗挺机灵的是山室

innovative-invoice-discounting-platforms-in-india-empowering-retail-investors...

Falcon Invoice Discounting

Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.

一比一原版(UoB毕业证)伯明翰大学毕业证如何办理

nexop1

UoB本科学位证成绩单【微信95270640】伯明翰大学没毕业>办理伯明翰大学毕业证成绩单【微信UoB】UoB毕业证成绩单UoB学历证书UoB文凭《UoB毕业套号文凭网认证伯明翰大学毕业证成绩单》《哪里买伯明翰大学毕业证文凭UoB成绩学校快递邮寄信封》《开版伯明翰大学文凭》UoB留信认证本科硕士学历认证如果您是以下情况，我们都能竭诚为您解决实际问题：【公司采用定金+余款的付款流程，以最大化保障您的利益，让您放心无忧】 1、在校期间，因各种原因未能顺利毕业，拿不到官方毕业证+微信95270640 2、面对父母的压力，希望尽快拿到伯明翰大学伯明翰大学硕士毕业证成绩单； 3、不清楚流程以及材料该如何准备伯明翰大学伯明翰大学硕士毕业证成绩单； 4、回国时间很长，忘记办理； 5、回国马上就要找工作，办给用人单位看； 6、企事业单位必须要求办理的；面向美国乔治城大学毕业留学生提供以下服务: 【★伯明翰大学伯明翰大学硕士毕业证成绩单毕业证、成绩单等全套材料，从防伪到印刷，从水印到钢印烫金，与学校100%相同】【★真实使馆认证（留学人员回国证明），使馆存档可通过大使馆查询确认】【★真实教育部认证，教育部存档，教育部留服网站可查】【★真实留信认证，留信网入库存档，可查伯明翰大学伯明翰大学硕士毕业证成绩单】我们从事工作十余年的有着丰富经验的业务顾问，熟悉海外各国大学的学制及教育体系，并且以挂科生解决毕业材料不全问题为基础，为客户量身定制1对1方案，未能毕业的回国留学生成功搭建回国顺利发展所需的桥梁。我们一直努力以高品质的教育为起点，以诚信、专业、高效、创新作为一切的行动宗旨，始终把“诚信为主、质量为本、客户第一”作为我们全部工作的出发点和归宿点。同时为海内外留学生提供大学毕业证购买、补办成绩单及各类分数修改等服务；归国认证方面，提供《留信网入库》申请、《国外学历学位认证》申请以及真实学籍办理等服务，帮助众多莘莘学子实现了一个又一个梦想。专业服务，请勿犹豫联系我如果您真实毕业回国，对于学历认证无从下手，请联系我，我们免费帮您递交诚招代理：本公司诚聘当地代理人员，如果你有业余时间，或者你有同学朋友需要，有兴趣就请联系我你赢我赢，共创双赢你做代理，可以帮助伯明翰大学同学朋友你做代理，可以拯救伯明翰大学失足青年你做代理，可以挽救伯明翰大学一个个人才你做代理，你将是别人人生伯明翰大学的转折点你做代理，可以改变自己，改变他人，给他人和自己一个机会大块就啃啃得满嘴满脸猴屁股般的红艳大家一个劲地指着对方吃吃地笑瓜裂得古怪奇形怪状却丝毫不影响瓜味甜丝丝的满嘴生津遍地都是瓜横七竖八的活像掷满了一地的大石块摘走二三只爷爷是断然发现不了的即便发现爷爷也不恼反而教山娃辨认孰熟孰嫩孰甜孰淡名义上是护瓜往往在瓜棚里坐上一刻饱吃一顿后山娃就领着阿黑漫山遍野地跑阿黑是一条黑色的大猎狗挺机灵的是山娃多年的忠实伙伴平时山娃上学阿黑也摇头晃脑地跟去暑假用不着上学阿钩

Recently uploaded (20)

The secret way to sell pi coins effortlessly.

what is a pi whale and how to access one.

US Economic Outlook - Being Decided - M Capital Group August 2021.pdf

Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...

how to sell pi coins on Bitmart crypto exchange

what is the future of Pi Network currency.

how can I sell/buy bulk pi coins securely

BYD SWOT Analysis and In-Depth Insights 2024.pptx

how to sell pi coins effectively (from 50 - 100k pi)

一比一原版(IC毕业证)帝国理工大学毕业证如何办理

Analyzing the instability of equilibrium in thr harrod domar model

Donald Trump Presentation and his life.pptx

What website can I sell pi coins securely.

when will pi network coin be available on crypto exchange.

Instant Issue Debit Cards - School Designs

一比一原版(GWU,GW毕业证)加利福尼亚大学|尔湾分校毕业证如何办理

Instant Issue Debit Cards

一比一原版(UCSB毕业证)圣芭芭拉分校毕业证如何办理

innovative-invoice-discounting-platforms-in-india-empowering-retail-investors...

一比一原版(UoB毕业证)伯明翰大学毕业证如何办理

Interest.co.nz submission to Parliamentary Inquiry Sept2

1. Submission to Multi-Party Inquiry into Banking by interest.co.nz Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

2. Why the problem is not bank profiteering. The problem is New Zealand’s structural settings favouring housing investment. Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

3. Who are we to say this? Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

4. NZers care an awful lot about interest rates Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

5. Obviously banks are profiteering…right? Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

6. That’s a big gap. They must be creaming it. Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

7. Wholesale funding costs are up 100 bps Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

8. Local funding costs are up 150 basis points Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

9. Bank net interest margins actually fell Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

10. And they’ve been falling for a long while Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

11. The bias to farm and housing lending worsened in 2009 Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

12. And the connection is a foreign debt blowout Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

13. Who in this room has an LAQC or family trust? Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

14. Ever wonder what a loss of sovereignty might look like? Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

15. Reserve Bank Governor Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

16. Bank regulator Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

17. Currency Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

18.

19. More productive investment

20. Less property speculation

21. Land tax or Capital Gains Tax

22. GST on mortgages/rents?

23. Use capital adequacy rules

24.

25. Thank you for your time Parliamentary Banking Inquiry- Wellington - Sept 2, 2009

Editor's Notes

Numbers at end of 2007. Net worth tripled since 1997. House value tripled since 1997. Mortgages tripled. Shares doubled. NZ$200k home loan 10% = NZ$384 week 6% = NZ$230week = NZ$150/week NZ$100k savings NZ$135/week = NZ$60 week
Numbers at end of 2007. Net worth tripled since 1997. House value tripled since 1997. Mortgages tripled. Shares doubled.
Numbers at end of 2007. Net worth tripled since 1997. House value tripled since 1997. Mortgages tripled. Shares doubled.
Numbers at end of 2007. Net worth tripled since 1997. House value tripled since 1997. Mortgages tripled. Shares doubled.
Numbers at end of 2007. Net worth tripled since 1997. House value tripled since 1997. Mortgages tripled. Shares doubled.
Numbers at end of 2007. Net worth tripled since 1997. House value tripled since 1997. Mortgages tripled. Shares doubled.
Numbers at end of 2007. Net worth tripled since 1997. House value tripled since 1997. Mortgages tripled. Shares doubled.
Numbers at end of 2007. Net worth tripled since 1997. House value tripled since 1997. Mortgages tripled. Shares doubled.
Numbers at end of 2007. Net worth tripled since 1997. House value tripled since 1997. Mortgages tripled. Shares doubled.
Numbers at end of 2007. Net worth tripled since 1997. House value tripled since 1997. Mortgages tripled. Shares doubled.
Numbers at end of 2007. Net worth tripled since 1997. House value tripled since 1997. Mortgages tripled. Shares doubled.
Numbers at end of 2007. Net worth tripled since 1997. House value tripled since 1997. Mortgages tripled. Shares doubled.
Numbers at end of 2007. Net worth tripled since 1997. House value tripled since 1997. Mortgages tripled. Shares doubled.
Numbers at end of 2007. Net worth tripled since 1997. House value tripled since 1997. Mortgages tripled. Shares doubled.
Numbers at end of 2007. Net worth tripled since 1997. House value tripled since 1997. Mortgages tripled. Shares doubled.

Interest.co.nz submission to Parliamentary Inquiry Sept2

Recommended

Recommended

More Related Content

Viewers also liked

Viewers also liked (7)

Similar to Interest.co.nz submission to Parliamentary Inquiry Sept2

Similar to Interest.co.nz submission to Parliamentary Inquiry Sept2 (8)

More from Bernard Hickey

More from Bernard Hickey (16)

Recently uploaded

Recently uploaded (20)

Interest.co.nz submission to Parliamentary Inquiry Sept2

Editor's Notes