Could the new Highlanders jersey end up looking similar to this All Blacks training strip?
Good Day Wayne ,
This is a personal email directed to you and I request that it should
be treated as such.
I am the Personal account officer to the late Eng.Randolf
Grimsey,hereinafter referred to as 'my client' who worked as an
independent oil magnate in my country (England) and unfortunately died
in a car crash with his immediate family on the 4th of Oct,2005.
Since the death of my client in 4th of Oct, 2005, I have written
several letters to the embassy with an intent to locate any of his
extended relatives whom shall be claimants/beneficiaries of his
abandoned personal estate and all such efforts have been to no avail.
More so, I have received official letters from our bank in the last
few weeks suggesting a likely proceeding for confiscation of his
abandoned personal assets in line with existing laws by the bank in
which my client deposited the sum of US$8.5 million Dollars.
On this note I decided to search for a credible person and finding
that you and my client bear similar last name, I was urged to contact
you, that I may, with your consent, present you to the "trustee" bank
as my late client's surviving family member so as to enable you put up
a claim to the bank in that capacity as a next of kin of my client.
I find this possible for the fuller reasons that you bear a similar
last name with my client making it a lot easier for you to put up a
claim in that capacity. I propose that 35% of the net sum will accrue
to you at the conclusion of this deal in so far as I do not incur
further expenses.
Therefore, to facilitate the immediate transfer of this fund, you
need, first to contact me via this email signifying your interest and
as soon as I obtain your confidence, I will immediately appraise you
with the complete details as well as fax you the documents, with which
you are to proceed and i shall direct on how to put up an
applicationto the bank.
However, you will have to accent to an express agreement which I will
forward to you in order to bind us in this transaction.
Upon the receipt of your reply, I will send you by fax or E-mail the
next step to take. I will not fail to bring to your notice that this
proposal is hitch-free and that you should not entertain any fears as
the required arrangements have been made for the completion of this
transfer. Like I said, I require only a sole confidentiality on this.
I guarantee that this will be executed under a legitimate arrangement
that will protect you from any breach of the law.For quick and cordial
communication I will appreciate you to forward your personal telephone
number and fax.
Best regards,
Mr.Allen Mark.
Note that this email plays on my surname. How original, same story different words.
Don't ever be fooled by this nonsense.
They want to rob you of your hard earned cash.
Low incomes put buying a home out of the reach of many.
New Zealand houses are among the world's most expensive when incomes are taken into account - and Auckland and Tauranga homes are less affordable than those in New York, says a major survey released today.
Low incomes and high house prices are leaving Kiwis badly off and preventing many from climbing onto the housing ladder.
The seventh annual Demographia International Housing Affordability Survey of 325 cities and regions has given us the thumbs down, putting New Zealand alongside Australia, Britain, the United States, Canada and Ireland as among the world's worst housing markets.
Four of the eight New Zealand markets surveyed - Auckland, Tauranga, Christchurch and Wellington - were classed "severely unaffordable". The other four - Hamilton, Napier-Hastings, Palmerston North, and Dunedin - were "seriously unaffordable".
Despite three years of a depressed economy, housing remains out of many Kiwis' reach. The situation has worsened because house prices fell only marginally yet job security lessened and wage rises dried up.
Reserve Bank and Real Estate Institute data were used to measure affordability by taking median house prices and dividing those by gross annual median household income. This gave the house price-income median multiple measure.
The ideal income-to-loan ratio is around three times an annual salary. But in New Zealand it takes 5.3 times the average annual salary to pay for a house. In Tauranga it takes 6.5 times the average annual salary and in Auckland 6.4 times. In New York, it's 6.1.
Survey co-author Hugh Pavletich, of Christchurch, called for more land to be made available for housing.
"The Government needs to recognise the importance of dealing with the housing supply issues with urgency, so that New Zealand is more affordable and competitive than Australia. This will encourage young New Zealanders to stay in their own country and contribute to its development.
"There is much work to do so that New Zealanders do not have to pay any more than three times their annual household income to house themselves. New Zealanders are paying twice what they should be for housing and construction costs are currently twice per square metre what they should be, due to urban planning degrading the performance of the residential construction sector over recent decades," Mr Pavletich said.
Tauranga is our least affordable city, followed by Auckland, Christchurch, Wellington, Dunedin, Hamilton, Napier-Hastings and Palmerston North.
The survey has been criticised by some as pushing right-wing free-market theories and developers' interests. But Brendan O'Donovan, Westpac's chief economist, praised it as useful and said three possible solutions to high house prices included relaxing urban land limits, cutting building compliance costs and imposing a tax on under-used land to discourage developers from hoarding property.
"The Australian and New Zealand housing markets are so stretched, whichever way you cut it compared to most of the rest of the world. A lot of us are saying if you are trying to get more affordable housing, it's not done by first-home buyer grants but more flexible supply-side measures."
This month, Westpac senior economist Dominick Stephens warned home buyers that present below-average fixed term mortgage rates could start rising rapidly.
Atlanta is the most affordable major city and Hong Kong is the least affordable. Sydney has become less affordable than Vancouver.
The Knight Frank Global House Price Index out late last year showed New Zealand had one of the world's smallest price falls.
