Winner are grinners

does that look like in terms of actual dollar savings? scenario above, if you fixed the entire $500,000 for 1 year at 6.50% over a 30 year loan term the would be around $3,160 per month.

structured it to include an like this: fixed for 1 year @ 6.50% with payments at $2,844/m. $50,000 offset facility the $50,000 sitting in your savings and everyday Payments on this at $350/m. So total payments at 7.50% floating rate on the $50,000 owing on the loan is money in your linked accounts; meaning that you interest on that $50,000 loan provided you have $50,000 linked accounts. And that means that every dollar of the you pay is paying down the principal. $350/m payment is based on a 30 year repayment period, you pay no interest thanks to the offsetting, you off the loan in 12 years – even with the payment set This would save nearly $76,000 in interest charges a normal loan repaid over 30 years. really put your money to work by not only linking your accounts but your children's and even your parents accounts with the same bank and if you ask them nicely. have full access to their own accounts; all you are using the current balances to reduce the amount of interest pay. tend to have savings on hand and keep cash in your a day to day basis you should definitely consider offset mortgage as part of your overall mortgage use the funds to reduce the interest but have the that they are there for whenever you need them. only three banks that currently have an offset product. If you are not currently with a bank that offers then now would be the time to get you properly one that does so you can truly put your money to work Wood brett.wood@loanmarket.co.nz

TheRhyder Cup, played between the top USA and European golfing teams on a biennial basis, has been adopted by the Raglan Golf Club to create some fun golfing moments for its members!

Played last Saturday, local golfers teed up to compete in this annual Raglan Golf Club off the tee... Pete Aim within the industry as well as with customers. You’re able to create a forum for feedback about your products and services, and organically increase word of mouth. Within your industry, a community can provide connections that can come back as referrals, share your experiences and pool your resources together.

Rhyder Cup, played between an International and National team.

Competed over 18 holes of match play, challenges were set, the stakes were high with the end result being a win to the Internationals.

The grins say it all.

It can feel isolating being a business owner. While we are seemingly more connected than ever thanks to social media, our focus has become increasingly targeted towards increasing the number of connections we have as opposed to the quality of the connections we make. Couple that with the intense pressures of running a business around the clock, it can feel like you are burning out all alone. This is where belonging to a community comes in.

TheRaglan Business Chamber board has been working quietly behind the scenes and is delighted to say that through close work with Waikato District Council and local businesses our community managed to obtain government relief funding offered for businesses affected by the Auckland Anniversary Weekend floods and Cyclone Gabrielle.

This has helped locals who have been directly affected and out of pocket due to the adverse weather.

Overall the Chamber has been pretty quiet this year in terms of events and training we have offered our members. We want to add value to our membership - and by extension the local community - but we feel that the webinars, members' meetings and training we have been offering in the past have not been what members need at the moment. This has been made clear by limited attendance at our training, events and functions.

Community is the joining of like-minded individuals who can provide a system of support and a sense of belonging. Joining a community is vital to not only our business lives but our personal ones as well. Communities can provide sanctuary in a way that our personal relationships might not be able to. Read on as we give four reasons why having a community is important to your business success.

1. Provides a system of support: Having a team around you that motivates and encourages you is vital to the success of an individual or organisation. A well put together community surrounds you with likeminded people who are not only driven, but excited for your goals. Whether this community is directly impacted by your business or not, your success becomes their success. You also have the support of people who understand exactly what you’re going through. They understand the challenges that you face, but also, the passion and joy that happens when you achieve something that you have dreamed about.

Fundamentally we are a member based organisation that is here to support a thriving, innovative business community. We want to add value not just to our members, but by extension to the community at large.

3. Gives feedback from different perspectives. It can be difficult when you are faced with a challenge or situation to know how to solve it by yourself. A community can provide feedback on how to handle an issue with a perspective that might be different from your own. When someone can look at something with a fresh set of eyes, you might find solutions you wouldn’t have initially thought of; being able to hear the perspectives of those who might have dealt with a similar issue, and how they were able to overcome the problem. Most importantly, you get feedback without fear of judgment. Being able to bounce new ideas or approaches off each other can be invaluable.

However, to support our community we need to know what businesses need - we need to hear what the challenges are, and where we could help. The chamber board is about to head into a strategic planning session and we need input from members and the community on how we can make your business thrive, and not just survive. We know there are challenges on the horizon for businesses and we want to offer valid and valuable training and resources to help people through.

4. Connects different industries together: Your community doesn’t have to be limited to those just within your industry. Communities can be formed by branching multiple industries together. Through these partnerships, you can gain specialised knowledge that you might not have had access to before. You can then use this knowledge to your advantage.

2. Builds rapport and trust with others: A community can help establish credibility and trust

Raglan is known to be innovative, creative and solution oriented and we want to support this by strengthening community connections and relationships to encourage positive economic growth. We have one of the highest ratios of membership per capita in NZ in the Chamber network, but we know our members need to see us supporting them.

The key to community is being able to identify it as a group that is supportive of the success of each other. We invite you to reach out to Chamber board members about how to expand your community. Contact details on www.raglanchamber.nz

We will continue to work with Waikato District Council to learn what else is available for members to grow their business and their team’s capability, but we need to hear what else will help people at the moment, and how we can help your business and your team grow.

If you can think of any way that the chamber can assist with your business please reach out with your ideas, suggestions and comments to Lisa at lisapembertonjames@gmail.com. We are keen to hear from members and non-members alike to support growth and innovation in Raglan.

New Listing

RAGLAN 49B Mangakino Road

Privacy in Rolling Hills pggwre.co.nz/HAM38106

Set proud overlooking lush farm land this threebedroom brick home offers an enviable lifestyle opportunity. Moved to this section about three years ago, this home has been reclad with new bricks, new piles and a new deck.

A generously sized double garage is accessed via concreted area adjoining the gentle sloped driveway. The grounds have been nicely landscaped with fruit trees established, raised vegetable plots and a mature blueberry orchard under cover. Paddocks are fenced with water for stock. For more information or to arrange a viewing outside of open home times contact Richard today.

3 1 2

$995,000

GST Inclusive

VIEW

12.00-12.45pm, Saturday 29 July & 5 August

Richard Thomson

M 027 294 8625

E richard.thomson@pggwrightson.co.nz

Open Home

RAGLAN 105 Greenslade Road

Harbourside Haven pggwre.co.nz/HAM37718

This stylish, modernized home ticks all the boxes, from its prestigious Greenslade Road, Raglan address with its extensive Northerly harbour views, to its low maintenance private setting, ensuring your piece of paradise.

4 3 1

PRICE BY NEGOTIATION

GST Inclusive

VIEW 1.00-1.45pm, Saturday 29 July

Richard Thomson

M 027 294 8625

E richard.thomson@pggwrightson.co.nz

RAGLAN 154 Hills Road

Prepare to be Impressed pggwre.co.nz/HAM37806

This 10.8ha block (more or less) of flat to rolling contour has a long road frontage and multiple breath-taking possible building sites all with impressive rural and ocean views. This property's location, size and setting is a cut above the usual lifestyle blocks or sections in the ever popular Raglan area.

PRICE BY NEGOTIATION Plus GST (if any)

VIEW By Appointment Only

Richard Thomson

M 027 294 8625

E richard.thomson@pggwrightson.co.nz

WAITETUNA 11 Parker Access Road

Access Granted pggwre.co.nz/HAM37630

11 Parker Access is an exciting opportunity for those looking for a newly built home in a friendly quiet neighbourhood. Situated on an elevated sunny north facing rise, this quality built and thoughtfully laid out three bedroom home has a huge kitchen, dining and living areas which all flow to a deck built for entertaining.

3 2 2

$1.4M

GST Inclusive

VIEW By Appointment Only

Richard Thomson

M 027 294 8625

E richard.thomson@pggwrightson.co.nz

RAGLAN 646 Te Mata Road

Simply Stunning- 3 Titles pggwre.co.nz/HAM37843

Here's your chance to secure 15.0492ha (more or less) of fertile land close to Raglan. The area offers a warm and friendly community, excellent primary school and favourable rainfall for healthy pasture and crops. There are 3 titles here each with a taste of native bush, flat to easy contour, quality soils and amazing views of Mt Karioi.

$1.2M Plus GST (if any)

VIEW By Appointment Only

Richard Thomson

M 027 294 8625

E richard.thomson@pggwrightson.co.nz

WAITETUNA 12B Bush View Drive

Solitude, Serenity and Space pggwre.co.nz/HAM36981

Great views, elevation and a sunny lifestyle on an approximately 2.41ha (more or less) section imbued with nature await you here, up a quiet lane mere minutes (3km) from the Waitetuna community. The 302m2 modern, open plan home has strong architectural lines, making a statement with its full height windows and sunken living areas at the heart of the home.

4 2 2

PRICE BY NEGOTIATION

GST Inclusive

VIEW By Appointment Only

Richard Thomson

M 027 294 8625

E richard.thomson@pggwrightson.co.nz

WAITETUNA 881b Old Mountain Road

Spectacular Lifestyle pggwre.co.nz/HAM37379

Lifestyle properties of this quality don't come along everyday. This modern, comfortable family home on 1.235ha (more or less) had a lot of thought go into it - the layout works exceptionally well with multiple inside and outside areas to enjoy time alone or with family and guests.

4 2 2

$1.45M

GST Inclusive

VIEW By Appointment Only

Richard Thomson

M 027 294 8625

E richard.thomson@pggwrightson.co.nz