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211 votes
Accepted

Someone wants me to use my credit card at a card-only gas/petrol pump in return for cash

Plenty of people don't have credit/debit cards, if they had cash in hand they were probably just one of those people. Cash first, fuel 2nd with you pumping, not much risk to you in that scenario. ...
Hart CO's user avatar
  • 70.5k
113 votes

Someone wants me to use my credit card at a card-only gas/petrol pump in return for cash

In my experience scammers are actually trying to get cash, not goods, so it's possible, but I don't see an obvious play. Some possibilities that come to mind: She takes off before giving you the cash ...
D Stanley's user avatar
  • 137k
52 votes

Someone wants me to use my credit card at a card-only gas/petrol pump in return for cash

There's a small chance this was a scam, or a distraction for some third person to come and steal things from your car. Could also have been an attempt to pass counterfeit notes to an unsuspecting ...
Criggie's user avatar
  • 790
46 votes
Accepted

Is it legal to mortgage a property twice or more?

It depends on how much equity you have in your home. Scenario 1: Your home is worth $100K, and your current mortgage is for $100K (or more which means you are underwater.) In this case you can't get ...
TTT's user avatar
  • 47.2k
44 votes

Someone wants me to use my credit card at a card-only gas/petrol pump in return for cash

Since the cash option wasn't available at that time, I think Occam's Razor probably applies. Sure a scam is possible, but IMHO that would more likely have involved someone with no money and no wallet ...
TTT's user avatar
  • 47.2k
35 votes

Is it legal to mortgage a property twice or more?

It's legal. That's what a home equity loan is, for example. More generally, what you're talking about is a "second mortgage". It has no effect on the primary mortgage that you've already made to your ...
Pete Becker's user avatar
  • 5,502
13 votes

Is it legal to mortgage a property twice or more?

A mortgage will show as a lien on your property. Say your home is worth 400,000 (money units) but you only owe 200,000. A lender may be willing to be second in line, lending you another 100,000.
JTP - Apologise to Monica's user avatar
8 votes

Is it legal to mortgage a property twice or more?

In addition to all the other answers, here is a New Zealand Herald article from earlier this year about second mortgages, confirming that it is both legal and common in New Zealand. Whether or not ...
Ben Miller's user avatar
  • 116k
8 votes

Someone wants me to use my credit card at a card-only gas/petrol pump in return for cash

If she never touches your card it is really just you selling her a gallon of fuel, not that big a deal. If she wants to buy a full tank then check the security features on the currency. If there is ...
KalleMP's user avatar
  • 181
8 votes

Should employer gym reimbursement be taxed?

I think you've got this backwards. If you pay for something that your employer then reimburses you for, the amount you've paid in the end is 0. So you would owe tax on the full value of the benefit. ...
GS - Apologise to Monica's user avatar
7 votes

Someone wants me to use my credit card at a card-only gas/petrol pump in return for cash

Some people don't have or carry credit cards, for various reasons... so this could be legit. But there are ways of using this situation to take advantage of someone. One way it could be a scam is ...
Aubreal's user avatar
  • 1,052
7 votes

Someone wants me to use my credit card at a card-only gas/petrol pump in return for cash

To offer a different perspective here. We had an issue here in the states where someone would do something similar. They get you to run your card, or they prevent the pump from properly hanging up ...
DotNetRussell's user avatar
5 votes

Working two jobs (one remotely to NZ). What should I do about taxes?

First of all, make sure whether your current employer may fire you if you work for another employer. Not sure about the UK, but in Germany, you always have to file it with your employer, who may ...
Alexander's user avatar
  • 291
5 votes

Why do I need to specify exactly what a personal loan is for?

Yes, even for an unsecured loan the purpose of the loan is valuable to underwriters. Asking for price quotes seems excessive, I'd probably try a different bank. But "some not great" reasons for the ...
quid's user avatar
  • 49k
5 votes

Someone wants me to use my credit card at a card-only gas/petrol pump in return for cash

I'm hopefully not too opinion-based here. If someone hands you $XYZ to fill up the same exact amount in their vehicle, with you there during the entire transaction, I cannot understand how that could ...
Mikey's user avatar
  • 409
4 votes
Accepted

How to start buying shares with small amount of money?

Before anything else, read up on the basics of economics. What is supply and demand? What are funds? What are and how do stocks work? etc. After that, there a few things you need to ask yourself ...
reaper_unique's user avatar
4 votes

Under offer on land based on previous sale price

The risk in throwing out a low-ball offer in any negotiation is that it may indicate that you aren't serious / aren't aware of the true value of what you're trying to buy. If you went into a car ...
Grade 'Eh' Bacon's user avatar
4 votes

Working two jobs (one remotely to NZ). What should I do about taxes?

You will need to create some form of legal entity through which you will account this job. If this is as simple as you describe - just working for someone else in different country then sole trader ...
Aida Paul's user avatar
  • 231
3 votes
Accepted

Why GST carries weight in property price?

Apparently GST can only apply to properties used for commercial purposes (and not where the vendor uses it as a principal place of residence). Whether or not GST applies also depends on the ...
Highly Irregular's user avatar
3 votes
Accepted

Lease term is described as additions instead of a sum

A 15/5/5/5 lease is an initial 15 year lease with three 5 year options (meaning the tenant can leave without penalty, or without significant penalty, after 15, 20, or 25 years). This is common in ...
Joe's user avatar
  • 35.8k
3 votes

Will I have to pay taxes for Australia if I have an Australian bank account?

After reviewing the tax treaty between New Zealand and Australia, I think the issue is whether or not you have an interest in a "permanent establishment" in Australia where you do business. The bank ...
mikeford's user avatar
  • 303
3 votes

Will I have to pay taxes for Australia if I have an Australian bank account?

Because you actually reside in New Zealand, your income taxes will be paid in New Zealand. However, as a non-resident of Australia you will have tax withholding on all of the interest you earn in an ...
NL - Apologize to Monica's user avatar
2 votes

Do personal bank loans affect credit score more than collection notices?

Based on the clarification in the comments, it sounds like you are on the verge of accumulating some late payments and/or collections, and are considering taking out a loan to prevent that from ...
TTT's user avatar
  • 47.2k
2 votes
Accepted

what are the benefits of setting up an education trust fund for children?

Well, first off, if your children are NZ citizens, they can borrow money at 0% interest for tertiary education and I don't see any benefit to not taking free money. A saving account is your money, ...
Rupert Morrish's user avatar
2 votes

How can you mortgage a house owned by a family trust?

The asset protection part of a trust is to protect your assets from creditors who have no security in your personal assets However a Mortgage from your bank on a house owned by a trust, is still ...
Nick Roberts's user avatar
2 votes

How should I think about salaries in New Zealand relative to the United States?

It's not moving to New Zealand that's a bad idea, it's taking a pay cut. Move for a job paying NZD150K and there's no problem. You'd have exactly the same issue if you were taking a job in the US ...
Mike Scott's user avatar
  • 23.5k
2 votes

Investing tax (savings)

You'd want the money to be "liquid" and ready for you to use when tax time comes around. You also don't want to lose "principal", i.e. if you put it into stocks and have the value of what you put in ...
Miklos's user avatar
  • 21
2 votes

Someone wants me to use my credit card at a card-only gas/petrol pump in return for cash

I would be wary of giving someone my credit card in hands in this ocasion, since she might write down (or take a picture of, or memorize(!)) my card number and CVV and later make a fraudulent online ...
Marc.2377's user avatar
  • 121
2 votes

Should employer gym reimbursement be taxed?

In your case, it's simple: your employer is giving you $60 to reimburse your membership, so that's essentially $60 in additional, taxable income. The wording in the employer guide is to cover ...
chepner's user avatar
  • 4,466
1 vote

Someone wants me to use my credit card at a card-only gas/petrol pump in return for cash

The cash could have been counterfeit. It very well could have been a scam.
James's user avatar
  • 19

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