Why you need a Will

So you’ve made a Will and you’re feeling organised.  You put a copy of your Will into a drawer or folder with other personal papers and you move on. However, your Will needs to be reviewed if your circumstances change.  Many people don’t realise that your Will is invalid if you marry after making it, […]

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What are LVR Restrictions and how could they affect you?

Betty and Arnold want to buy a new property to live in.  They have a deposit of $80,000.  The property has been valued at $800,000.  Betty and Arnold’s Bank has declined to loan them the balance to buy the new property because of LVR restrictions.  What does this mean? LVR means “Loan-to-Value Ratio”.  LVR restrictions […]

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Key things you need to know about LIM reports

Obtaining a Land Information Memorandum (LIM) report can be a crucial step in purchasing a property. LIM reports are provided by the local Council. You can find out how to apply for a LIM report by visiting the local Council website. Some Councils have an online application and payment process available. Things to look out […]

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debt recovery

Gallie Miles Debt Recovery Tips

Cash flow is the lifeblood of any business.  A slow down in cash flow caused by clients not paying their accounts can have a serious impact  on your business.   Here are our top 10 debt recovery tips: Terms of Trade – if you supply goods or services on credit then you need good terms of trade […]

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Is your casual employee truly casual?

Many employers employ people who they consider to be “casual employees”. However, there can be a fine line between permanent and casual employment. It is very common for an employee to start work on a casual basis but for that work to morph over time to being more permanent. It is important that employers and […]

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Is Having A Trust Worth It?

We are often asked whether it is worthwhile having a trust.  Whether a trust will be of use to you will depend very much on your own personal circumstances and what you want to achieve. However, a recent court decision is a good illustration of when a trust could have prevented a challenge to a […]

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Team Member Focus: Valerie Mackay

Valerie Mackay is a Director of Gallie Miles and has been practising law in Te Awamutu for over 28 years. Valerie has expertise in residential, rural and commercial property transactions, business advice, subdivisions, trusts, asset protection and estate planning. We sat down with Valerie and asked her a few usual and less-than- usual questions: What […]

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Team Member Focus: Linda Miles

Linda Miles is a founding partner of Gallie Miles and has been practising law in Te Awamutu for over 30 years. Linda has a thriving property practice with expertise in residential, rural and commercial property transactions extending to business and commercial advice. Linda is also experienced in trusts, asset protection and estate planning. She also […]

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