Mortgage News November 16, 2018
Bike Use Around the World

When it comes to cycling culture and infrastructure, some countries have a much better approach than others. While there are more than one billion bicycles in the world, the distribution curve is far from equal. Some cities embrace bikes with open arms, and others seem reticent to set up bike-friendly infrastructure. If adopted, bike use is more than just a way to get around your favourite city, it also has the ability to improve your health and reduce your carbon footprint. Let's take a look at the most bicycle friendly destinations on Earth and how they differ from the struggling bike culture in Australia and New Zealand.


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The Real State of House Sales

Property sales activity is down across New Zealand, with low listings and stagnant prices also pointing towards a market slowdown. According to data from the Real Estate Institute of New Zealand (REINZ), September saw the fewest number of sales recorded nationally since January. Over the last 12 months, sales activity has dropped 3.3 percent outside Auckland and 2.1 percent in Auckland, bringing the nationwide decrease to 3.0 percent over the year.


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How to Improve Your Memory

As the years roll by and the wrinkles start to develop, we have more to look back on but less faculty for doing so. While decreasing memory as we get older might seem like one of life's tricks, there are lots of things we can do to improve our recall and upgrade our state of mind. Memory is a complicated process that’s made up of numerous brain activities, which means this task can be tackled in a few different ways.


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How Low Will the Kiwi Dollar Go?

The Kiwi dollar dropped to a significant 2.5 year low last week against the greenback, sinking to 64.26 US cents on the back of rising US interest rates and weak domestic data. While the dollar has seen a spirited rise since then, coming back to its mid-September levels, many experts are forecasting the Kiwi to fall even further in the weeks and months ahead. How low the Kiwi goes will depend on US-China trade tensions, the health of the domestic economy, and whether or not the market has fully priced in the Federal Reserve's tightening cycle.


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Spring Cleaning that Counts

Spring is well and truly here, with more light in the day both increasing the warmth of your home and highlighting the dust in its corners. More than just a bridge between winter and summer, spring is a time to start fresh, a time to hit the reset button on everything that has been and lay the foundations for a better tomorrow. Spring cleaning is well-established across much of the world, with this practical and effective ritual helping you to take stock and get your home ready for the summer ahead.


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World's Most Expensive Art

The world of fine art is shrouded in mystery, especially when it comes to the top end of the market. While most of the world's famous masterpieces are owned by museums in Europe and rarely sold, there is an active private auction market for some high profile works. In order to determine the value of a piece of art, it's important to differentiate between museum paintings and those owned by private collectors. While old master works in museums are valued extremely high, most of them will never be available for private sale.


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> In This Issue...
1. Bike Use Around the World
2. The Real State of House Sales
3. How to Improve Your Memory
4. How Low Will the Kiwi Dollar Go?
5. Spring Cleaning that Counts
6. World's Most Expensive Art

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