Rodney Times : January 28th 2014
14 RODNEY TIMES, JANUARY 28, 2014 Public Notices Section 18(4), 41(4), 64(4), 16(2), 39(2), 62(2) Public Notices OREWAGYMNASTICSCLUBINC. Enrolment Night Monday 3 February 7pm, Orewa Community Hall Classes start Monday 10 February 9 and over Girls&Boys 6-7.30pm Term 1 fees to be paid on Enrolment. 5-6yrs Girls&Boys 4-5pm 7-8yrs Girls&Boys 5-6pm Christine Didsbury, 52 Kauri EnviroWaste Bins and Yellow Bags will be collected one day later ie Thursday the 6th February will be collected on Friday the 7th February and Friday the 7th February will be collected on Saturday the 8th February. If you have any questions please contact us on 0800 240 120 or www.envirowaste.co.nz 5870281AA Warkworth, Managing Director has made application to the District Licensing Agency at Auckland Council for the renewel of an On/Off Licence in respect of the premises situated at Arabella lane, Snells Beach and known as Brick Bay Wines -The Glass House. The general nature of the business to be conducted under the licence is Wine Sales/ Tasting / Cafe. The days on which and the hours during which liquor is sold under the licence are: Monday - Sunday 10am - 9pm The application may be inspected during ordinary offices hours at the office of the Auckland Council District Licensing Agency at Orewa Any person who is entitled to object and who wishes to object to the grant of the application may, not later than 15 working days after the date of the first publication of this notice, file a notice in writing of the objection with the Secretary of the District Licensing Agency, Auckland Council - Orewa This is the first publication of this notice. Drive, Rd2, Sale of Liquor Act1989 NEWS www.rodneytimes.co.nz Dinner’s served: A table of diners tuck into a two-course meal and a glass of wine which Jim and Christine Duncan treat them to every month. The Rodney Times on January 14 featured Jim and Christine and incorrectly called the Totara Park Retirement Village a rest home and also said the meal was a shared lunch when it is a shared dinner. Send digital images to email@example.com, send hard copy photos to Milestones, Rodney Times, PO Box 79, Orewa, or deliver to the office on the corner of Alice and Florence avenues in Orewa. We also need a full name, address and phone number with full name and address of the person(s) photographed. Can’t wait to read the paper? Have you missed your delivery? 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Leaving it to the grandkids MONEY’$ Leaving inheritances to wealthy grown-up children can be a funny thing in this day and age. If the kids have grown into selfsufficient, relatively well-monied adults there can be a temptation for older folks to think about having the wealth they leave skip a generation. In other words, leaving the money to the grandkids. I generally hear about this in cases where older people’s offspring have prospered, especially those who have ridden the property boom. They just don’t seem to need the money all that badly and the grandkids, facing user-pays costs for education and ridiculous house prices, look like they do. Grandparents worry about their grandkids affording homes. They worry about them ending up with a big debt after their education. But for those deciding to leave the money, or part of it, to the grandchildren, there are some things to bear in mind. The first is to consider very carefully how you leave the money, often the proceeds of a house sale. Some professional organis- ations would have people set up trusts to hold the assets for the grandkids until they reach an age of financial responsibility, say 25, with the professionals as the trustees. They will ensure that it is spent on the things you want it spent on, whether it be a house deposit or university fees and living expenses. The problem with this arrange- ment is that professionals can turn out to be quite unprofessional and have a tendency to ➤GOLDENRULES ■ Have a will ■ Do your wills research ■ Make sure you get advice. as a house deposit. It is understandable to wish to control your grandchildren’s use of the money you leave them. Cash is easily spent, particu- larly by people who haven’t had to earn it. But exerting control from Rob Stock charge high fees. They are also a presence in your grandchild’s life, standing in judgment as to whether to release money for a payment. If you trust your children (your grandkids’ parents) to do the right thing with the money, it’s OK to leave it in trust with them as the sole trustees. A lawyer can help you do that by naming them in the will as trustees and leaving instructions as to what the money is for. It doesn’t require anybody actu- ally formally arranging a trust. Only if they (your kids) can’t be trusted then another trustee is required and only when you understand the true costs of the professional trustee (and its ability to lift its fees in the future) should you consider the professional. If your grandkids are old enough, and you trust them, there is no reason why you cannot leave them the money on condition it is spent on something specific, such beyond the grave may be going too far. It also tends to add complexity, cost and, quite frankly, may not work. If leaving money to grandkids in such situations, I also suggest talking to your kids about what you are planning and get the balance right. Don’t simply cut out the middle generation. That can be a short road to your estate being challenged in court. Of course, many parents in a healthy financial position will respond well to money being available to help their kids buy homes or pay education debts. Legal advice is always sensible in arranging your will but research your options first. Consult friends. Buy wills books. Consult the lessons of the internet. Knowing what you want to do before you seek advice reduces the chance of an unneccesarily high bill or being sold a scheme that enriches the professionals at the expense of the grandchildren. Rob Stock is a senior journalist in the Fairfax Business Bureau and money editor of the Sunday StarTimes. Contact him at rob.stock@ fairfaxmedia.co.nz.
January 23rd 2014
January 30th 2014