Harmoney

**Saamee** · 18-05-2017, 06:21 PM

Originally Posted by 777

They are slow in getting out the March tax statements as well.

Coming out on Friday ( tomorrow! )

**777** · 18-05-2017, 06:23 PM

Originally Posted by Saamee

Coming out on Friday ( tomorrow! )

Thanks. It's delay is holding up a big refund due.

**permutation** · 18-05-2017, 08:14 PM

Originally Posted by Saamee

Coming out on Friday ( tomorrow! )

Let's hope so! The IRD deadline for institutions to issue an IR15 tax certificate is 20 May.

**alistar_mid** · 19-05-2017, 12:45 PM

Originally Posted by 777

Thanks. It's delay is holding up a big refund due.

this

was expecting to wake up to an email from Harmoney saying I could get my tax certificate..

midday now... where is it Harmoney????

**777** · 19-05-2017, 02:31 PM

Originally Posted by alistar_mid

this

was expecting to wake up to an email from Harmoney saying I could get my tax certificate..

midday now... where is it Harmoney????

They are there now.

**Saamee** · 19-05-2017, 02:35 PM

Originally Posted by 777

They are there now.

Sure are

**RMJH** · 19-05-2017, 03:43 PM

Originally Posted by Saamee

Sure are

But what the heck do all those Payment Protect numbers mean!

**Fisherking** · 19-05-2017, 06:29 PM

Originally Posted by whitt

Auto withdrawal suggestion:

Today I emailed Harmoney the following suggestion to add for Auto withdrawal existing feature.

Suggestion 1:
Minimum account funds available level
Proposed- The $25 level is adjustable in $5 increments and works as a minimum level you want left in account.

Suggestion 2:
Customer can choose between A or B

A- As per existing where funds are withdrawn completely ( although now only down to minimum level set above)
or
B- An option to remove a fixed amount each week which would leave rest available to invest if required

These suggestions enhance existing Harmoney feature but allow quite a bit of flexibility for investors. example: Some one who wants to retire and say have $300 per week to live off can do so whilst remaining money stays in funds available being reinvested by auto lend.

Simpler if they just paid interest on $ not yet applied, direct to your account. Shouldn't be that hard

**scottwalshnz** · 19-05-2017, 06:48 PM

Originally Posted by RMJH

But what the heck do all those Payment Protect numbers mean!

The link at the bottom has a good summary the tax implications. However I feel it has a gap on the treatment of the Management Fee Rebated and Protect Borrower Fee Rebated, and I'm attempting to work out how to apply a BPA based on the data provided....