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	<title>Avalon&#039;s Guide: Emigrate to New Zealand &#187; Avalon&#8217;s Money Thread</title>
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	<link>http://www.avalonsguide.com/anab</link>
	<description>There is no &#34;One True Path&#34; to emigrating.</description>
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		<title>HiFX vs ASB on Exchange rates.</title>
		<link>http://www.avalonsguide.com/anab/2012/01/hifx-vs-asb-on-exchange-rates/</link>
		<comments>http://www.avalonsguide.com/anab/2012/01/hifx-vs-asb-on-exchange-rates/#comments</comments>
		<pubDate>Wed, 18 Jan 2012 03:44:38 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Avalon's Money Thread]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[Exchannge Rate & Currency Transfers]]></category>
		<category><![CDATA[asb]]></category>
		<category><![CDATA[currency transfer]]></category>
		<category><![CDATA[Hifx]]></category>
		<category><![CDATA[money transfer]]></category>
		<category><![CDATA[US]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=4843</guid>
		<description><![CDATA[So, having opened up our US$ account, we needed to put US$10,000 into it. For the past week, I have been watching the exchange rate, and using HiFX&#8217;s online system to check how much in NZ$ it would cost me to buy US$10,000. I decided this morning after an overnight rise to make the move. [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2009/04/watching-the-exchange-rates-like-a-hawk/' rel='bookmark' title='Watching the exchange rates like a hawk.'>Watching the exchange rates like a hawk.</a></li>
<li><a href='http://www.avalonsguide.com/anab/2011/10/unimpressed-with-hifx/' rel='bookmark' title='Unimpressed with HiFX'>Unimpressed with HiFX</a></li>
<li><a href='http://www.avalonsguide.com/anab/2010/08/whats-happening-with-nz-interest-rates/' rel='bookmark' title='What&#8217;s happening with NZ interest rates?'>What&#8217;s happening with NZ interest rates?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2012/01/hifx-vs-asb-on-exchange-rates/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Opening a US$ account at ASB</title>
		<link>http://www.avalonsguide.com/anab/2012/01/opening-a-us-account-at-asb/</link>
		<comments>http://www.avalonsguide.com/anab/2012/01/opening-a-us-account-at-asb/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 20:30:50 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Avalon's Money Thread]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[Exchannge Rate & Currency Transfers]]></category>
		<category><![CDATA[asb]]></category>
		<category><![CDATA[currency transfer]]></category>
		<category><![CDATA[New Zealand banks]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=4840</guid>
		<description><![CDATA[We have decided to open up a US$ account here in New Zealand. While our original UK accounts are still active, and based in the  UK, we really don&#8217;t need a UK£ account here. But the issue we have at the moment is that the shares we hold in IBM are in US$. And while [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2009/09/avalons-money-thread-revolving-credit-mortgages/' rel='bookmark' title='Avalon&#8217;s Money Thread: Revolving Credit Mortgages.'>Avalon&#8217;s Money Thread: Revolving Credit Mortgages.</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/10/avalon-money-thread-moving-your-money-to-new-zealand/' rel='bookmark' title='Avalon&#8217;s Money Thread: Moving your money to New Zealand'>Avalon&#8217;s Money Thread: Moving your money to New Zealand</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/10/avalons-money-thread-am-i-a-big-spender/' rel='bookmark' title='Avalon&#8217;s Money Thread: Am I a Big Spender?'>Avalon&#8217;s Money Thread: Am I a Big Spender?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2012/01/opening-a-us-account-at-asb/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Where to save some money.</title>
		<link>http://www.avalonsguide.com/anab/2011/08/where-to-save-some-money/</link>
		<comments>http://www.avalonsguide.com/anab/2011/08/where-to-save-some-money/#comments</comments>
		<pubDate>Tue, 30 Aug 2011 10:19:32 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Avalon's Money Thread]]></category>
		<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[Coffee]]></category>
		<category><![CDATA[electricty]]></category>
		<category><![CDATA[Money saving]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Powerswitch]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=4204</guid>
		<description><![CDATA[2 things have happened in the last month which have actually changed the way I need to handle our money &#8211; after  6 years of doing the same thing: We have a small issue this month with a new contract which pays on a different day to normal &#8211; so our income projections and bank [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2009/10/avalons-money-thread-am-i-a-big-spender/' rel='bookmark' title='Avalon&#8217;s Money Thread: Am I a Big Spender?'>Avalon&#8217;s Money Thread: Am I a Big Spender?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/10/avalons-money-thread-how-do-i-start-budgeting/' rel='bookmark' title='Avalon&#8217;s Money Thread: How do I start budgeting?'>Avalon&#8217;s Money Thread: How do I start budgeting?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2011/12/how-far-would-you-go-to-save-money/' rel='bookmark' title='How far would you go to save money?'>How far would you go to save money?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2011/08/where-to-save-some-money/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Avalon&#8217;s Guide is on Sale :)</title>
		<link>http://www.avalonsguide.com/anab/2011/06/avalons-guide-is-on-sale/</link>
		<comments>http://www.avalonsguide.com/anab/2011/06/avalons-guide-is-on-sale/#comments</comments>
		<pubDate>Sun, 19 Jun 2011 00:55:25 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Avalon's Money Thread]]></category>
		<category><![CDATA[The Book and Website]]></category>
		<category><![CDATA[Avalon's Guide]]></category>
		<category><![CDATA[Avalon's Guide E-Book]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=3830</guid>
		<description><![CDATA[I am down to my last few copies of Avalon&#8217;s Guide, and at this stage am not planning to do another reprint due to the costs involved. So to clear the shelves of the last remaining books &#8211; I have decided to drop the price &#8211; which also helps with the crummy exchange rate. So [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2009/01/avalon%e2%80%99s-guide-is-now-on-sale/' rel='bookmark' title='Avalon’s Guide is now on sale'>Avalon’s Guide is now on sale</a></li>
<li><a href='http://www.avalonsguide.com/anab/2010/01/you-can-now-review-avalons-guide-on-amazon/' rel='bookmark' title='You can now review Avalon&#8217;s Guide on Amazon.'>You can now review Avalon&#8217;s Guide on Amazon.</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/02/avalons-guide-the-ebook-is-almost-ready/' rel='bookmark' title='Avalon&#8217;s Guide The eBook is almost ready.'>Avalon&#8217;s Guide The eBook is almost ready.</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2011/06/avalons-guide-is-on-sale/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should you be forced to save?</title>
		<link>http://www.avalonsguide.com/anab/2010/08/should-you-be-forced-to-save/</link>
		<comments>http://www.avalonsguide.com/anab/2010/08/should-you-be-forced-to-save/#comments</comments>
		<pubDate>Tue, 17 Aug 2010 21:19:03 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[Economics]]></category>
		<category><![CDATA[Property & General Investing]]></category>
		<category><![CDATA[Retirement, Pensions and Kiwisaver]]></category>
		<category><![CDATA[Avalon's Money Thread]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Investing in general]]></category>
		<category><![CDATA[pensions]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[supera]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=2644</guid>
		<description><![CDATA[Forced savings &#8211; in the form of compulsory superannuation (or &#8211; shudders &#8211; compulsory Kiwisaver) is back on the agenda in new Zealand. Because apparently, not enough of us are doing as we are told and opening up Kiwisaver accounts. So we need to be made to do it. This comes out of the Tax [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2011/02/you-dont-save-when-you-have-debts-to-pay/' rel='bookmark' title='You don&#8217;t save when you have debts to pay.'>You don&#8217;t save when you have debts to pay.</a></li>
<li><a href='http://www.avalonsguide.com/anab/2010/02/kiwisaver-problems-keep-your-eye-on-your-provider/' rel='bookmark' title='Kiwisaver Problems: keep your eye on your provider.'>Kiwisaver Problems: keep your eye on your provider.</a></li>
<li><a href='http://www.avalonsguide.com/anab/2010/03/mixing-investing-and-immigration-%e2%80%93is-it-sensible/' rel='bookmark' title='Mixing investing and immigration – is it sensible?'>Mixing investing and immigration – is it sensible?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2010/08/should-you-be-forced-to-save/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Grabbed One.</title>
		<link>http://www.avalonsguide.com/anab/2010/08/grabbed-one/</link>
		<comments>http://www.avalonsguide.com/anab/2010/08/grabbed-one/#comments</comments>
		<pubDate>Mon, 16 Aug 2010 00:46:24 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Avalon's Money Thread]]></category>
		<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[Money saving]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=2634</guid>
		<description><![CDATA[Theres a new (ish if you are in Auckland) money saving website thats come to New Zealand, and so far &#8211; looks good. Its called Grab One, and I found it via Facebook (fount of all things time wasting) via some friends. So what&#8217;s the deal? Well, you sign up to Grab One, and then [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2009/11/argghhh%e2%80%93why-all-these-extra-charges/' rel='bookmark' title='Argghhh – why all these &#8220;extra&#8221; charges???'>Argghhh – why all these &#8220;extra&#8221; charges???</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/05/no-sign-of-recession-in-sydney/' rel='bookmark' title='No sign of recession in Sydney.'>No sign of recession in Sydney.</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/10/avalons-money-thread-how-do-i-start-budgeting/' rel='bookmark' title='Avalon&#8217;s Money Thread: How do I start budgeting?'>Avalon&#8217;s Money Thread: How do I start budgeting?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2010/08/grabbed-one/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Briscoes: You&#8217;ll never buy better?</title>
		<link>http://www.avalonsguide.com/anab/2010/07/briscoes-youll-never-buy-better/</link>
		<comments>http://www.avalonsguide.com/anab/2010/07/briscoes-youll-never-buy-better/#comments</comments>
		<pubDate>Thu, 01 Jul 2010 06:07:54 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Avalon's Money Thread]]></category>
		<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[Money saving]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=2510</guid>
		<description><![CDATA[It&#8217;s a really annoying jingle and an even more annoying tagline &#8211; more so becuase it&#8217;s highly dishonest. Briscoes is a chain of homeware stores across New Zealand known for its permanent sales (advertised as &#8220;get in quick &#8211; 2 days sale&#8221;). The thing with Briscoes is that from what I have seen &#8211; the [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2010/11/attempting-to-use-the-whitcoulls-sale/' rel='bookmark' title='Attempting to use the Whitcoulls &#8220;sale&#8221;'>Attempting to use the Whitcoulls &#8220;sale&#8221;</a></li>
<li><a href='http://www.avalonsguide.com/anab/2010/05/what-is-swedish-rounding/' rel='bookmark' title='What is Swedish Rounding?'>What is Swedish Rounding?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2010/04/what-does-your-credit-card-bill-say-about-you/' rel='bookmark' title='What does your credit card bill say about you?'>What does your credit card bill say about you?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2010/07/briscoes-youll-never-buy-better/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Arghhh – having to pay interest on the credit card!</title>
		<link>http://www.avalonsguide.com/anab/2010/06/arghhh-having-to-pay-interest-on-the-credit-card/</link>
		<comments>http://www.avalonsguide.com/anab/2010/06/arghhh-having-to-pay-interest-on-the-credit-card/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 07:11:11 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Avalon's Money Thread]]></category>
		<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[Interest Rates, Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Emergency Fund]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Money saving]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Redundancy]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=2497</guid>
		<description><![CDATA[Well, for the first time in five and half years &#8211; I cannot pay off the whole balance on our credit cards, and we will be paying interest. This is quite depressing. I guess I should be happy that its only likely to be a few months where we have to pay, and that we [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2011/04/im-a-credit-card-tart-and-proud-of-it/' rel='bookmark' title='I&#8217;m a credit card tart and proud of it!'>I&#8217;m a credit card tart and proud of it!</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/02/why-are-credit-cards-still-charging-such-high-interest-rates-in-new-zealand/' rel='bookmark' title='Why are Credit Cards still charging such high interest rates in New Zealand?'>Why are Credit Cards still charging such high interest rates in New Zealand?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/07/getting-out-of-credit-card-hell/' rel='bookmark' title='Getting out of Credit Card Hell'>Getting out of Credit Card Hell</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2010/06/arghhh-having-to-pay-interest-on-the-credit-card/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>What is Swedish Rounding?</title>
		<link>http://www.avalonsguide.com/anab/2010/05/what-is-swedish-rounding/</link>
		<comments>http://www.avalonsguide.com/anab/2010/05/what-is-swedish-rounding/#comments</comments>
		<pubDate>Wed, 05 May 2010 05:32:44 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Avalon's Money Thread]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[Money saving]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=2382</guid>
		<description><![CDATA[In new Zealand our smallest coin is now the 10c piece. Which means if you want to buy something with a price of say $1.99 you can&#8217;t get change and effectively get overcharged. Swedish Rounding basically says that if it&#8217;s 5 or under at the end the shop will round down and it&#8217;s over 5 [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2009/10/avalons-money-thread-am-i-a-big-spender/' rel='bookmark' title='Avalon&#8217;s Money Thread: Am I a Big Spender?'>Avalon&#8217;s Money Thread: Am I a Big Spender?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/07/when-does-interest-free-mean-175-interest/' rel='bookmark' title='When does &#8220;interest free&#8221; mean 17.5% interest.'>When does &#8220;interest free&#8221; mean 17.5% interest.</a></li>
<li><a href='http://www.avalonsguide.com/anab/2010/07/briscoes-youll-never-buy-better/' rel='bookmark' title='Briscoes: You&#8217;ll never buy better?'>Briscoes: You&#8217;ll never buy better?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2010/05/what-is-swedish-rounding/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What does your credit card bill say about you?</title>
		<link>http://www.avalonsguide.com/anab/2010/04/what-does-your-credit-card-bill-say-about-you/</link>
		<comments>http://www.avalonsguide.com/anab/2010/04/what-does-your-credit-card-bill-say-about-you/#comments</comments>
		<pubDate>Mon, 12 Apr 2010 16:00:10 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Life in New Zealand]]></category>
		<category><![CDATA[Avalon's Money Thread]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=2276</guid>
		<description><![CDATA[For some bizarre reason this morning, hubby had a flick through the credit card bill that arrived yesterday, and noticed that there seemed to be a marked preference for spending in a certain type of shop. So for you amusement – here are the types of items you can see on our credit card statement. [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2011/08/what-my-credit-card-says-about-me/' rel='bookmark' title='What my credit card says about me.'>What my credit card says about me.</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/07/getting-out-of-credit-card-hell/' rel='bookmark' title='Getting out of Credit Card Hell'>Getting out of Credit Card Hell</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/11/applying-for-a-new-credit-card/' rel='bookmark' title='Applying for a new credit card.'>Applying for a new credit card.</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2010/04/what-does-your-credit-card-bill-say-about-you/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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