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	<title>Avalon&#039;s Guide: Emigrate to New Zealand &#187; Banks</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>The 47 Rules of money</title>
		<link>http://www.avalonsguide.com/anab/2012/01/the-47-rules-of-money/</link>
		<comments>http://www.avalonsguide.com/anab/2012/01/the-47-rules-of-money/#comments</comments>
		<pubDate>Sun, 01 Jan 2012 17:00:23 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Avalon's Money Thread]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Interest Rates, Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[Agile Property Services]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Investing in general]]></category>
		<category><![CDATA[Money saving]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Sanity Allowance]]></category>
		<category><![CDATA[shopping]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=4786</guid>
		<description><![CDATA[This appeared in the Herald on New Years Eve, written by Diana Clement. I really like her articles about personal finance, and shes well worth a read. Unlike Mary Holm, she writes about general finance and makes an awful lot of sense, rather than just bleating on about how wonderful Kiwisaver is and how bad [...]


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/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/2011/06/paying-off-debt-still-too-hard-for-most-people/' rel='bookmark' title='Paying off debt &#8211; still too hard for most people :('>Paying off debt &#8211; still too hard for most people :(</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2012/01/the-47-rules-of-money/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Zealand interest rates coming down.</title>
		<link>http://www.avalonsguide.com/anab/2011/11/new-zealand-interest-rates-coming-down/</link>
		<comments>http://www.avalonsguide.com/anab/2011/11/new-zealand-interest-rates-coming-down/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 04:00:23 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[Economics]]></category>
		<category><![CDATA[Interest Rates, Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[asb]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[New Zealand banks]]></category>
		<category><![CDATA[Reserve Bank of New Zealand]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=4559</guid>
		<description><![CDATA[Last week the Reserve bank held the base rate steady &#8211; and this week, some of the main banks have cut thier mortgage rates. It means that Fixed Rates are coming down towards the floating rates &#8211; though the long term fixed rates are still way too high for me! Im using ASB rates for [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2009/08/asb-interest-rate-changes-humph/' rel='bookmark' title='ASB Interest rate changes &#8211; humph!'>ASB Interest rate changes &#8211; humph!</a></li>
<li><a href='http://www.avalonsguide.com/anab/2011/09/new-zealand-interest-rate-changes/' rel='bookmark' title='New Zealand Interest Rate changes'>New Zealand Interest Rate changes</a></li>
<li><a href='http://www.avalonsguide.com/anab/2010/10/nz-interests-rate-holds-at-3/' rel='bookmark' title='NZ interests rate holds at 3%'>NZ interests rate holds at 3%</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2011/11/new-zealand-interest-rates-coming-down/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Zealand Interest Rate changes</title>
		<link>http://www.avalonsguide.com/anab/2011/09/new-zealand-interest-rate-changes/</link>
		<comments>http://www.avalonsguide.com/anab/2011/09/new-zealand-interest-rate-changes/#comments</comments>
		<pubDate>Thu, 15 Sep 2011 02:09:06 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Economics]]></category>
		<category><![CDATA[Interest Rates, Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Reserve Bank of New Zealand]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=4276</guid>
		<description><![CDATA[The reserve bank has held our base interest rate &#8211; and now it seems most of the &#8220;experts&#8221; how claimed the rate would be rising by the end of this year have changed their minds and now claim it will be march next year. Apparently they will have to go but then some say they [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2009/08/asb-interest-rate-changes-humph/' rel='bookmark' title='ASB Interest rate changes &#8211; humph!'>ASB Interest rate changes &#8211; humph!</a></li>
<li><a href='http://www.avalonsguide.com/anab/2010/10/nz-interests-rate-holds-at-3/' rel='bookmark' title='NZ interests rate holds at 3%'>NZ interests rate holds at 3%</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/01/interest-rate-break-fees-%e2%80%93-labour-is-kicking-up-a-stink/' rel='bookmark' title='Interest rate break fees – Labour is kicking up a stink.'>Interest rate break fees – Labour is kicking up a stink.</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2011/09/new-zealand-interest-rate-changes/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Overcharging &#8211; it&#8217;s not just rugby shirts.</title>
		<link>http://www.avalonsguide.com/anab/2011/08/overcharging-its-not-just-rugby-shirts/</link>
		<comments>http://www.avalonsguide.com/anab/2011/08/overcharging-its-not-just-rugby-shirts/#comments</comments>
		<pubDate>Thu, 18 Aug 2011 03:30:56 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[Exchannge Rate & Currency Transfers]]></category>
		<category><![CDATA[Life in New Zealand]]></category>
		<category><![CDATA[Only in New Zealand]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Money saving]]></category>
		<category><![CDATA[Rugby World Cup]]></category>
		<category><![CDATA[RWC]]></category>
		<category><![CDATA[shopping]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=4154</guid>
		<description><![CDATA[So Adidas hae been given one helluva kicking over here for charging about $220 for a new All Blacks jersey, when they charge less than half that overseas. The people of New Zealand have (rightly in my opinion) expressed utter disgust at being blatantly ripped off. The jerseys are manufactured like most things- in China [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2010/12/update-on-vodafone-nz-overcharging/' rel='bookmark' title='Update on Vodafone NZ Overcharging'>Update on Vodafone NZ Overcharging</a></li>
<li><a href='http://www.avalonsguide.com/anab/2011/10/when-0-02-1/' rel='bookmark' title='When 0.02% &gt; 1%'>When 0.02% > 1%</a></li>
<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>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2011/08/overcharging-its-not-just-rugby-shirts/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
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		<title>The New Zealand Art Show Wellington</title>
		<link>http://www.avalonsguide.com/anab/2011/07/the-new-zealand-art-show-wellington/</link>
		<comments>http://www.avalonsguide.com/anab/2011/07/the-new-zealand-art-show-wellington/#comments</comments>
		<pubDate>Thu, 28 Jul 2011 23:33:13 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Things to do]]></category>
		<category><![CDATA[asb]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Wellington]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=4038</guid>
		<description><![CDATA[Last night we popped along to the opening of the NZ Art Show in Wellington. Now this isn&#8217;t usually &#8220;our thing&#8221;. Neither of us are particularly &#8220;arty&#8221;, and I have a tendency to think of things like this as a little pretentious. Though I do quite love painting an drawing myself. But in this case [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2010/08/the-gluten-free-and-allergy-show-in-wellington/' rel='bookmark' title='The Gluten free and allergy show in Wellington.'>The Gluten free and allergy show in Wellington.</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/02/should-wellington-be-pedestrianised/' rel='bookmark' title='Should Wellington be Pedestrianised?'>Should Wellington be Pedestrianised?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2011/08/a-moment-of-perfect-beauty-in-wellington-city/' rel='bookmark' title='A moment of perfect beauty in Wellington city.'>A moment of perfect beauty in Wellington city.</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Paying off debt &#8211; still too hard for most people :(</title>
		<link>http://www.avalonsguide.com/anab/2011/06/paying-off-debt-still-too-hard-for-most-people/</link>
		<comments>http://www.avalonsguide.com/anab/2011/06/paying-off-debt-still-too-hard-for-most-people/#comments</comments>
		<pubDate>Sun, 05 Jun 2011 23:17:23 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Interest Rates, Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Money saving]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=3791</guid>
		<description><![CDATA[According to a piece on the herald today, Kiwi consumer debt (that doesn&#8217;t include mortgages on property) still stands at a whopping $11.96 billion. That&#8217;s $11,960,000,000.  Now the Stats NZ population clock stands at over 4.4 million, but census information says there are 895,000 people here under the age of 15. Which leaves an &#8220;adult(ish) [...]


Related posts:<ol><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/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/2009/06/taking-on-more-debt/' rel='bookmark' title='Taking on more debt is not the way to deal with debt problems.'>Taking on more debt is not the way to deal with debt problems.</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2011/06/paying-off-debt-still-too-hard-for-most-people/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Would you apply for a mortgage for someone else&#8230;</title>
		<link>http://www.avalonsguide.com/anab/2011/05/would-you-apply-for-a-mortgage-for-someone-else/</link>
		<comments>http://www.avalonsguide.com/anab/2011/05/would-you-apply-for-a-mortgage-for-someone-else/#comments</comments>
		<pubDate>Sat, 14 May 2011 04:17:39 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Economics]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Interest Rates, Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[Property & General Investing]]></category>
		<category><![CDATA[Getting to New Zealand]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Money saving]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=3739</guid>
		<description><![CDATA[and then complain when you realise that you were scammed and the mortgage broker lied to you when they told you it was to help a British couple out whose money was locked up in the UK??? Much as I would like to help people make the move to New Zealand &#8211; the answer for [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2009/07/beating-the-banks-with-the-mortgage/' rel='bookmark' title='Beating the banks with the Mortgage.'>Beating the banks with the Mortgage.</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/09/avalons-money-thread-can-i-get-a-decent-affordable-mortgage/' rel='bookmark' title='Avalon&#8217;s Money Thread: Can I get a decent affordable mortgage?'>Avalon&#8217;s Money Thread: Can I get a decent affordable mortgage?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2010/09/why-you-shouldnt-get-a-mortgage-from-westpac/' rel='bookmark' title='Why you shouldn&#8217;t get a mortgage from WestPac'>Why you shouldn&#8217;t get a mortgage from WestPac</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I&#8217;m a credit card tart and proud of it!</title>
		<link>http://www.avalonsguide.com/anab/2011/04/im-a-credit-card-tart-and-proud-of-it/</link>
		<comments>http://www.avalonsguide.com/anab/2011/04/im-a-credit-card-tart-and-proud-of-it/#comments</comments>
		<pubDate>Wed, 06 Apr 2011 03:08:44 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Interest Rates, Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[credit card charges]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[kiwibank]]></category>
		<category><![CDATA[New Zealand banks]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=3606</guid>
		<description><![CDATA[A credit card tart is someone who swaps the balance of their credit card to another card in order to take advantage of special low introductory rates on balance transfers. This was hugely popular in the UK in the years before we emigrated, where it was not unusual to get several offers in the post [...]


Related posts:<ol><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/2010/06/arghhh-having-to-pay-interest-on-the-credit-card/' rel='bookmark' title='Arghhh – having to pay interest on the credit card!'>Arghhh – having to pay interest on the credit card!</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>
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		<slash:comments>0</slash:comments>
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