How Sharesies is paving the way for inclusive investing
Odeon Mediterranean and Middle Eastern flavours in downtown Christchurch
Finance special Tips, tricks, books, and data on the evolving world of finance
Your investor identity
Why your risk profile matters
Politicians weigh in David Seymour, Matt Doocey and more ONLINE
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14 Levelling the playing field
It all began in 2016 during casual conversations and serious discussions about millennials, homeownership, and the notorious avocado toast. That’s when Sonya Williams, one of three CEOs, and her future co-founders saw a gap in the investment landscape of New Zealand.
Viewpoints
10 Red tape and regulation
David Seymour on national growth
11 Energising innovation
Simon Watts on climate strategy
11 Events diary
What’s on in Canterbury
12 Empowering industries
Barbara Edmonds on future Canterbury
13 No longer taboo
Matt Doocey on mental health
This issue of Canterbury Today focuses on finance, featuring tips, tricks, books and data on the evolving world of finance.
The cover story ‘Levelling the playing field’ is an interview with the brains behind Sharesies, who talk about how they’re paving the way for inclusive investing.
We look at what an investor identity is, discussing why your risk profile matters and how understanding it can lead to smarter investment choices.
You’ll find practical advice about how to budget effectively, how to start a business with limited finances, and ways to reduce your tax bill.
There’s an investing jargon cheat sheet - a quickfire dictionary of investing terms you should know – plus a hit list of 26 reads to help you make smarter money moves.
We also talk about the art and craft of expecting the unexpected, which gives practical advice about anticipating consequences and preparing for them, plus lots more.
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8 Tech trends
The latest gadgets to improve your office
14 Levelling the playing field
38 Easy ways to save
How to reduce your tax bill
39 How To:
Tips on budgeting effectively
Developing extensive knowledge during years of recruitment and sales, both in the UK and New Zealand, we wanted to bring this platform and provide a service to help and develop your recruitment needs.
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With over 700,000 users, Sharesies are paving the way for a more accessible and inclusive approach to investing. Jamie Quinn sits down with the 3EOs behind the groundbreaking platform.
20 Odeon
Cosy, warm Mediterranean dining in downtown Christchurch
24 Investing jargon cheat sheet
A quickfire dictionary of investing terms you should know
26 Books to sharpen up your finances
Reads to help you make smarter money moves
28 Investor identities
How your risk profile impacts your investment choices
34 The global giants
A dive into the Big Four accounting firms
36 Breaking the finance bro mould
Ditching the stereotype and leading with ethics
44
Optimism amid uncertainty
How SMEs are keeping their heads high
45 Starting a business on a low income
How to start up on a limited budget
48 The cost of living globally
And how Kiwis fare as financial pressure as costs rise
50 Taxi
The start-up unlocking funding with smart tech
54 Tackling e-waste
How over half of Kiwi small businesses are hindered
60 Who are the richest Kiwis?
The NBR Rich List tells all
64 Oamaru
A region of adventure, heritage, and hospitality awaits
70 North Canterbury
District discusses new projects and its financial future
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By Ben O’Connell
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David Seymour Leader of ACT Party New Zealand and Minister for Regulation
New Zealand needs regulatory reform, now. The OECD Product Market Regulation Indicators shows the quality of regulation in New Zealand is in freefall.
From being ranked 2nd in 1998, we are 20th in this year’s survey. Data shows several key categories of market regulation governing Kiwis are well off the OECD average, hindering competition and growth. It’s no coincidence that New Zealand experienced strong productivity growth in the 1990s but has fallen behind since. The Government needs to get out of the way and let people get on with things.
It might seem ironic for a politician to be writing this, but it goes right back to the ACT Party’s reason for being. As written in the Party’s constitution “(ACT) exists to promote and implement better policy for all New Zealanders, particularly through reducing the role of government and increasing the role of free markets.”
Most of New Zealand’s problems can be traced to poor productivity, and poor productivity can be traced to poor regulations.
Addressing New Zealand’s decadeslong productivity problem is needed to make it easier for businesses to innovate and grow. It doesn’t mean turning industries into the wild west, but if the compliance burden caused by a regulation outweighs the benefits, then it shouldn’t be in place.
On the 1st of March 2024, I set up the Ministry for Regulation with three tasks. One, to cut existing red tape with sector reviews. Two, to improve the scrutiny of new laws. Three, to improve the capability of the regulatory workforce.
The Ministry is focused on lifting quality across all regulatory systems and supporting agencies with regulatory responsibilities to align with good regulatory practice.
Bringing our regulatory system up to speed requires reformation of existing inefficient and over burdensome regulations, ‘red tape.’ The Ministry has been and will continue to target these areas with sector reviews. They’ve started off with the Early Childhood Sector. Issues with affordability and availability of early childhood education, and the complexity of its regulation, led to urgent calls from the sector to conduct a review.
We heard reports from centres around the country where teachers and carers are spending their time dealing with regulators and writing reports and plans on absurd things like the risk of apples falling from a tree in the playground.
In the agriculture and horticulture sector, we heard that red tape stops farmers and growers from accessing products approved by other OECD countries. The Ministry is also progressing a review of the red tape that prevents access to these products. It can take nine years and wrangling government agencies to get approval for some products that other OECD countries are already using.
The Ministry is focused on lifting quality across all regulatory systems and supporting agencies with regulatory responsibilities to align with good regulatory practice.
Over time a regulatory system should produce a greater stream of benefits or positive outcomes than costs or negative outcomes. Regulation should only be imposed or increased when the Government is satisfied that it will deliver net benefits.
I am currently working on developing a regulatory standards bill, which will assure high quality regulatory decision making across all of Government. The bill will be to regulation what the Public Finance Act is to public expenditure. If passed, it will put in statute the principles that Government must
adhere to when making regulations. We’re introducing a principle that the regulated party should be the centre of impact analysis. Officials will need to ask themselves - will this rule make the boat go faster or is it just another barnacle on the ship? Our job is to restore public trust and confidence in the New Zealand regulatory system by being a voice for high quality regulation within the Government, lifting the quality of regulation, circulating good practice quickly, and raising the capability of regulators. CT
Hon Simon Watts Minister for Climate Change and MP for North Shore, National Party
New Zealand continues to see extreme weather events damaging infrastructure, communities and disrupting supply chains.
Over the last year, our country has experienced vast flooding, landslides, and heavy rain with state of emergencies declared across the country. It is clear we need to lessen the effects of climate change to protect our way of life and what we value most – our communities, industries, climate, and homes.
The good news is that the Government has a plan to do precisely that. The Government’s Climate Strategy outlines what levers we will use to reduce emissions and what this means for New Zealanders, their businesses, and the economy.
Due to New Zealand’s abundance of opportunities, we can meet our climate targets without shutting down sectors or lowering production. Our plan shows that growing the economy and meeting our climate targets are not mutually exclusive.
Having a credible Emissions Trading Scheme means businesses have the long-term certainty they need to innovate and invest in cleaner technologies, therefore reducing emissions.
We are working with the energy sector to double New Zealand’s renewable energy as we want households to heat their homes with clean energy, people able to charge their electric vehicles nationwide, and businesses to have confidence
Coca-Cola Christmas in the Park
30 November, Hagley Park
in our energy security to grow their operations. To do this, we are investing and making it easier to build renewable infrastructure. That’s the focus of this Government’s Electrify New Zealand policy, and we recently announced that 22 additional renewable energy sources are being fast-tracked. That is three gigawatts or almost 30% increase in New Zealand’s electricity generation capacity.
New Zealand, including Canterbury, has some of the best innovators creating world-leading climate technology. We are backing our innovators and removing the barriers stopping them from growing, including ending the ban on gene editing and genetic modification, so we can unlock technology that will reduce emissions while boosting the economy.
New Zealand can reap the benefits of its unique nature to address climate change. Conserving our existing natural habitats, such as the Hauraki Gulf, and restoring degraded ones enhances their ability to remove emissions from the atmosphere. We want to explore new ways to harness nature to not only conserve and protect our unique landscape but also reduce emissions. Read the full article on the Canterbury Today website: www.canterburytoday.co.nz
Ho ho ho! Enjoy the magic of New Zealand’s biggest free annual entertainment spectacular, Coca-Cola Christmas in the Park, celebrating 30 years! It’s a night of festive entertainment with live music, dance performances, and a grand firework display.
www.christmasinthepark.coke.co.nz/christmas-in-the-park
Canterbury Game Dev and Creative Tech Day 7 December, EPIC Innovation
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www.canterburytech.nz/event/canterbury-game-dev-and-creative-tech-day/
T20 Black Clash
18 January, Hagley Oval
Hot Spring Spas T20 Christchurch Black Clash, in association with Wolfbrook, pits some of New Zealand’s biggest stars against each other. Be there to catch all the action live as Team Cricket goes head-tohead against Team Rugby in the greatest New Zealand cross-code rivalry of all time.
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NZ-Hi Tech Awards Launch
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Electric Avenue
21 – 22 February, Hagley Park
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www.electricavenuefestival.co.nz
Edmonds
Barbara Edmonds
Labour’s finance spokesperson and MP for Mana, Labour Party
Canterbury’s future isn’t just about maintaining what we have—it’s about building on the success of innovation and delivering a stronger, more resilient economy for tomorrow.
As Labour’s spokesperson for finance and infrastructure, I take pride in the work our government did to support Canterbury’s vibrant business community. We laid a foundation for growth that embraced innovation, futurefocused industries, and long-term sustainability. Now in opposition, Labour remains committed to advocating for policies that continue to strengthen Canterbury’s economy, even as we see concerning signals from the current government.
During our time in office, we prioritised supporting small and medium-sized enterprises (SMEs), ensuring they had access to the resources and infrastructure needed to grow. We focused on policies that encouraged investment in research and development, created pathways for technological innovation, and provided education and free training to prepare the workforce for the jobs of tomorrow. I am particularly proud of the work we started with the Industry Transformation Plans. These plans looked towards capitalising on the benefits of partnerships between businesses, iwi and the Government. These efforts were critical to ensuring that Canterbury businesses, particularly
in technology, manufacturing, and sustainability, could thrive in an increasingly global economy.
Unfortunately, the current government has shifted away from these priorities, reducing its focus on innovation-driven growth and putting key sectors at risk. In Canterbury, this change in direction is deeply concerning. Without a forward-thinking government that is willing to invest in emerging industries, Canterbury’s economic growth could slow, and opportunities for businesses to expand could diminish.
One of Labour’s proudest regional achievements was our investment in Canterbury’s aerospace industry. While in government, we supported $5.4 million to the development of the Canterbury Aerospace Runway, which aims to position the region as a leader in aerospace technology. This initiative was about much more than infrastructure; it was a commitment to creating high-paying jobs, fostering innovation, and attracting global investment. But most importantly it aims to support engineering students in Canterbury to be well equipped to drive innovation for the future. The project itself is predicted to deliver 1,300 highly skilled, high-paying jobs and up to $2.4 billion in economic benefits. The aerospace sector has the potential to drive significant economic growth, but it relies on continued government support to maintain momentum.
Unfortunately, the current government has not demonstrated
Canterbury’s aerospace industry needs continued reassurance that the government will stand behind it, which needs bipartisan support to offer strategic support necessary to compete globally.
the same level of commitment to supporting vital sectors. Without sustained investment, the progress we made in areas like aerospace could falter, and the businesses involved may face an uncertain future.
Canterbury’s aerospace industry needs continued reassurance that the government will stand behind it, which needs bipartisan support to offer strategic support necessary to compete globally.
Labour believes that to ensure the future prosperity of Canterbury, we must continue to invest in the industries of the future. From aerospace to advanced manufacturing and renewable energy, Labour will advocate for policies that drive innovation and create sustainable jobs.
We also believe in building the infrastructure—both physical and digital—that connects Canterbury businesses to international markets and attracts investment.
In opposition, Labour will continue to push for an economic vision that supports innovation, creates jobs, and drives long-term growth. Canterbury deserves a government that looks to the future, invests in it, and ensures that this region remains a hub of creativity, resilience, and opportunity. Labour is committed to that vision, and we will hold the government accountable for ensuring Canterbury’s businesses have the support they need to thrive. CT
Matt Doocey
Minister for Mental Health and MP for Waimakariri, National Party
Growing up in Canterbury 30-odd years ago, much like the rest of New Zealand, you never heard about mental health. It was a taboo subject and one that if you admitted struggling with, meant you were in some way weaker than those around you.
Even when I suffered significant head injuries in a car crash in my late teens, no-one in the medical profession or my friends and family thought to mention the possibility of mental health issues arising – they were just focused on fixing my physical health.
It wasn’t until I began to recognise signs of anxiety and depression that I finally reached out for help, and in doing so I discovered what I really wanted to do as a career, which was to help others in a similar position.
I never at that stage anticipated I would become New Zealand’s first ever mental health Minister but I am extremely humbled and privileged to find myself in that position today.
Mental health has always been a poor second cousin to physical health so the establishment of the role of dedicated Mental Health Minister is a very clear indication that we are prioritising mental health more, as a Government but also as a society in general. People are much more attuned to their mental health and wellbeing, and our younger
generations in particular have really broken down the stigma of having an open dialogue about mental health, for which I applaud them.
Other countries around the world have, to a greater or lesser degree, already introduced
Mental health has always been a poor second cousin to physical health so the establishment of the role of dedicated
Mental Health Minister is
a very clear indication that we are prioritising mental health more, as a Government but also as a society in general.
mental health into their governing system, with some going as far as creating their own mental health ministries. I preferred the Australian model, which has proven to be successful, where they introduced a standalone Minister of Mental Health.
This makes a lot of sense to me as mental health spans all aspects
of our lives, from education and work to recreation and families. As a standalone minister I can look at how mental health outcomes can be improved in our schools, workplaces, for the unemployed, in the justice system…the list goes on. There is no point in trying to separate mental health from education, employment or social development when it is intrinsically linked to everything we do.
I’m also keen to start a workstream that can last the distance. Even as far back as 2018, as National’s first ever Spokesperson for Mental Health, I wrote to every political party in Parliament to invite them to join a cross-party approach to mental health that would focus on
developing solutions and policy over a longer period than the Parliamentary three-year term. If we can continue to take a bipartisan approach to mental health, I believe we could break down some of the barriers to progress to improve mental health outcomes in New Zealand.
Mental health is one of the most complicated challenges facing our society, whether it be among young people, the elderly, rural communities or inner city, no-one is immune from it. It is what we do about it that makes the difference, and we need to ensure all New Zealanders have access to timely support - whoever, and wherever they are. CT
How Sharesies is paving the way for inclusive investing
By Jamie Quinn
It all began in 2016 during casual conversations and serious discussions about millennials, homeownership, and the notorious avocado toast. That’s when Sonya Williams, one of three CEOs, and her future co-founders saw a gap in the investment landscape of New Zealand.
Sonya reflects on those early days with a touch of humour: “At the time, the media was just filled with millennials not buying houses because they spent all their money on smashed avocado on toast. Classic, you know, the reality of the situation.”
This stereotype prompted Sonya to think differently about investment opportunities for young people, leading to the creation of a platform that was inclusive regardless of financial status. “One day, I just had the idea that I would really love to be able to invest online in a really fun way, no matter how much I had. I started talking about that with some friends and family members and got connected with this amazing bunch of people from all different walks of life and different backgrounds. The six of us got together, and this was our founding team: Brooke, Leighton, Richard, Martin, Ben
and myself. Our vision was to give someone with five dollars and five million dollars the same money opportunities,” Sonya shares.
What started as a small initiative to level the financial playing field has since grown into a comprehensive wealth app that embraces everything from KiwiSaver to car insurance, transforming the financial futures of over 700,000 users across Aotearoa and Australia.
Sharesies introduced a ground-breaking approach to investment, making it accessible to demographics traditionally overlooked by the financial industry. Leighton Roberts, two of three CEOs, explains the dual strategy that established their disruption: “Firstly by way of communication; by choosing an audience that others hadn’t communicated with. So, we chose to talk to people
who previously would have felt locked out. A big focus on that. And secondly, by taking a ground-up approach to the barriers around investing.
“There was an anti-marketing thing, so it was almost like people didn’t want you to invest. You had to invest quite a lot of money upfront, and the fees were quite high, and just by nature of that alone, a dollar value meant that heaps of people couldn’t access it.”
Beyond this, Sharesies innovated by introducing fractional investingallowing investments as small as a piece of a share, levelling access to the financial markets for everyone.
“It’s the ability to, instead of having to have enough money to buy a complete share, just buy a piece of a share,” Sonya notes. What sets Sharesies apart is not just its platform but its philosophy of creating a community where anyone can grow their wealth. “We’re a wealth app, and we’re there to help support people in developing their wealth,” Leighton says. This community aspect is supported by a commitment to education and engagement. The Sharesies website offers a library of resources for
“It’s the ability to, instead of having to have enough money to buy a complete share, you can just buy a piece of a share.”
investors, guiding users through the basics of investing and advancing to more complex concepts at a comfortable pace.
As for growth, Sharesies has thrived on word-of-mouth and strategic partnerships. Brooke Roberts, the third CEO, shares, “Word of mouth was a massive part of our growth and is still a massive part of it today. A newer way that we’re also growing is through partnering with businesses. One thing we really care about is that staff get shares in the companies they work in and that they get access to part of the wealth that they’re creating.
“Just remind yourself that you don’t need to know it all on day one. We really created Sharesies with the idea that you can learn by doing and that you can kind of learn more as you go.”
So, we partner with around 700 companies to either help them with their staff share schemes or help them with their shareholder communication and management so that we can really help them ensure that their stakeholders are wellinformed and that more people are able to generate wealth.”
On the topic of cost, Brooke clarifies their approach by explaining the practical comparison tool available on their website. This tool is designed to help users visually compare Sharesies’ fee structures against other investment platforms, providing a clear and concise breakdown of costs, reinforcing the platform’s commitment to transparency.
Sharesies has implemented a unique fee structure that includes capped
brokerage fees. This means that investors are not penalised for larger transactions, making it easier and more cost-effective for anyone to invest, regardless of the amount. Brooke elaborates on this aspect, stating, “We have a brokerage fee, which is 1.9%, but it has a cap. So, there’s a max you’ll pay if you’re trading New Zealand, US or buying or selling Australian shares.”
In addition to these features, Sharesies offers subscription pricing, which allows investors to choose a plan that best suits their investment habits and financial situation. “We also have subscription pricing, so people can pay three, seven or fifteen dollars a month for certain amounts of investing,” Brooke explains. This tiered subscription model gives
users the flexibility to select a service level that matches their investing activity, ensuring they’re not overpaying for services they don’t need.
For those new to the investment world, the path laid out by Sharesies is designed to ease fears and simplify the entry process. The advice is simple, “Yeah, I’d say just get started,” says Sonya. “Just remind yourself that you don’t need to know it all on day one. We really created Sharesies with the idea that you can learn by doing and that you can kind of learn more as you go,” emphasising that the journey to financial empowerment begins with taking that first step, no matter how small.
Brooke adds, “It’s about the habit,” highlighting the importance of regular investment habits over the amount invested. This perspective shifts the focus from the often intimidating aspect of large sums of money to the more approachable idea of regular, smaller contributions. “It doesn’t matter how much. The most valuable aspect of money is time. Ultimately, those habits compound over time due to compounding returns.” The method leverages the power of
compounding returns, where even small, consistent investments can grow significantly over time.
The emphasis on habit also helps create a discipline of saving, which is essential for creating a healthy financial future.
Long-term investments are key themes, along with managing risk through diversification. Sonya advises, “It’s one of those investing cliches around not putting all your eggs in one basket.” She stresses the importance of spreading investments across various assets to mitigate risks. “What that actually means is when you are investing, you’re investing in a company or a fund, and they’re exposed to risks.
Diversification is important because it’s spreading your risk across different companies. And it means that all your money’s not riding on one particular company or fund. And there can be different types of diversification. One can be across different companies, or can be across different industries as well as different countries.”
Sharesies, a B Corp, integrates ethical and sustainable choices into its platform, offering investors the
ability to align their portfolios with their values. “This is something that is a core part of our DNA,” says Sonya. “Then, we manage that for our investors by making sure that they have choices and information.
“I think if you asked every person, they would give you a different answer about how that manifested for them. So, it’s really about how do we give people a choice? It’s the information and making sure people can filter those things and select the investment portfolios that align with their ethics, values, and the things they deem to be responsible.”
Sharesies’ journey from a spark of an idea to a major investment platform wasn’t without its challenges, but the team’s perspective on tackling obstacles has been key to their success. Leighton offers a valuable piece of advice that’s guided him throughout his career: “All big problems are just lots of little problems. Every time I look at something complex, I just think, what’s the tiniest bit of this problem that I can solve, and that starts gathering momentum.”
Sonya shares a personal piece of wisdom that resonates with her
For those new to the investment world, the path laid out by Sharesies is designed to ease fears and simplify the entry process.
approach to building something meaningful: “I once heard this quote—’ If someone doesn’t enjoy cooking, you can taste it in the food.’ And that really sticks with me about the experiences you’re trying to create. We’re trying to create something lovable. If we’re not having fun doing it, that’s going to reflect on the people using it or working alongside you.”
If you’ve been waiting for the right time to start investing, now might just be it. Whether you’re just getting started or looking to expand your portfolio, the Sharesies approach is simple: take that first step and build from there. As the 3EOs highlight, you don’t need to be an expert on day one—just start small, stay consistent, and let time do the rest. CT
By Jamie Quinn
“We started off slowly since there weren’t many tourists around after Covid, but now we have regulars. They’re coming with their kids, they’re coming with their friends, people are loving it,”
Just around the corner from New Regent Street sits Odeon, a stylish gem that’s quickly becoming a new favourite of mine. It blends the laid-back warmth of Mediterranean dining with the lively atmosphere of downtown Christchurch. Here, it’s all about shared plates and great wine in a cosy setting that feels more like a friend’s dining room than a restaurant. That is if your friend has a very nice dining room.
I recently sat down with Shafeeq, the owner of Odeon, who also runs the restaurant next door called Story. He explained how Odeon came to be, right after the world started to open up again in mid-2022. “I had my eye on this spot for a while because it was vacant and right next to New Regent Street,” he said. His idea was to create a space that wasn’t just for special occasions, but somewhere people could drop by any time.
The idea behind Odeon’s shared plates is to create a sense of nostalgia and adventure, something that’s clearly working because it’s become quite the hotspot. “We started off slowly since there weren’t many tourists around after Covid, but now we have regulars. They’re coming with their kids, they’re coming with their friends, people are loving it,” he added with a smile.
When I asked about the different vibes between Story and Odeon,
Shafeeq’s answer reflected his global culinary background. “I spent about six years working in the Middle East, and I quite like the style of the food. That inspired me,” he explained. This influence is noticeable in Odeon’s warm, welcoming decor, which he described as inspired by places like Morocco. “I told my friend, Matt, look, this is what I want. Make it as warm and natural as possible so people feel welcome. Not too much like silver service. They should just feel comfortable. I believe hospitality has to be very comfortable from the moment you step through the door,” he told me.
Shafeeq’s philosophy is all about making everyone feel at home, which you can feel the moment you walk in. It’s about simple, good food that people actually want to eat. “I tell my chefs, if you’d enjoy eating it, then it should be on the menu. That will always be my philosophy. Keep it simple, tasty, and healthy,” he remarked.
Beef and Manchego Empanada
“The most important part is the pastry that we make in-house. It’s a combination of butter and olive oil, and it’s been rolled over twice. So, it’s kind of in between pie pastry and choux. We decided first to bake it. But I find, personally, that when you bake it, it goes dry. So, we fry it, and it keeps the moisture and juiciness.
“Then we stuff it with potatoes, meat, paprika, a bit of oregano, garlic, nduja and Manchego cheese. The sauce is house-made aioli, and we top it with paprika, oil and Aleppo chilli to give it a bit of a kick.”
Wagyu Beef Adana
“We buy whole pieces of meat and mince it ourselves. Step by step, in small batches, we add capsicum, garlic, and onion. And then, we shape the kabab by hand, and only one person does this so they all look the same. For the binding, we use our leftover house-made focaccia; we don’t like using egg.
“The kebabs get cooked on charcoal, which is not easy. The heat has to be very specific otherwise the fat will turn and it starts falling off the skewer. The key elements for this one, I would say, are red pepper, garlic, and fat. Combined with the condiments, which cuts into the fat, and the sumac on top gives it a little bit of tartness.”
Basil Ice Cream
“So, this is like a custard, a pastry cream with nutmeg, and it has a nice strong nutmeg flavour. And then kataifi with lots of butter in it, we bake it and shred it then top it with cardamom icing sugar. We have the Turkish delight, which is quite fudgy and fragrant, and then the basil ice cream. I think the basil ice cream cuts through the richness and the perfume of the Turkish delight and balances it out.
“Key elements are the kataifi pastry and the ice cream, which we make out of basil and yoghurt, a bit of of mint, a bit of lemon zest. Customers are surprised when they try it. When they read the menu, they can’t imagine the flavours, but they trust us. It’s beautiful all together.
“I believe when we do dessert, we don’t want to leave our mouths feeling too sweet. It should be a clean palate, not too heavy.”
Visiting Odeon is like a mini escape to the Mediterranean, right here in Christchurch. It’s a place where you can unwind, enjoy a good meal, and just soak in the laid-back atmosphere any day of the week. Take a sneak peek at the menu on their website, www.odeon.o.nz , before visiting them at 165 Gloucester Street for one of the best meals you’ll ever have. CT
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To ensure your bin gets emptied and to avoid contamination of recycling:
Keep items loose
Don’t squash bottles, tins or cans
Put all lids in the rubbish
Make sure everything is clean
Plastic numbered 3, 4, 6 & 7
No containers larger than 3L or smaller than 150ml
Soft plastics or any plastic you can scrunch into a ball
Takeaway cups and liquid cartons
Paper smaller than an envelope
Compostable items
Clothes and toys
Nappies
Polystyrene
Pans and foils
Window glass, crokery & light bulbs
Batteries
General rubbish or food.
Repeated contamination may result in withdrawal of your kerbside collection service.
Your RECYCLING bin is only for the following CLEAN items...
Ever come across financial terms that left you scratching your head? This quick guide breaks down some of the most common terms to make investing a bit more approachable.
Bond: A debt security issued by a corporation or government promising to pay back the principal amount plus interest over a specified period.
Compound interest: Interest earned on both the principal amount and the accumulated interest over time.
Diversification: Spreading investments across different asset classes or industries to reduce risk.
Dividend: A payment made by a company to its shareholders, typically from its profits.
ETFs (Exchange Traded Funds): A type of investment fund that trades
on a stock exchange like a stock. ETFs give you a way to buy and sell a basket of assets without having to buy all the components separately.
Hedge: Strategically using financial instruments or market strategies to offset the risk of any adverse price movements.
Investment horizon: The length of time an investor expects to hold an investment.
IPO (Initial Public Offering): The first sale of stock by a private company to the public.
Liabilities: Debts or obligations owed by a company or individual.
Liquidity: How quickly and easily assets can be converted into cash without significant loss in value.
Passive/active management: Passive management involves tracking a market index, while
active management involves selecting individual securities based on analysis.
Portfolio: The accumulation of stocks that you have as an investor.
Rebalancing: The process of adjusting the proportions of shares in a portfolio to maintain an original or desired level of asset allocation or risk.
Return on investment: The profit or loss from an investment, expressed as a percentage.
Risk tolerance: A person’s willingness or ability to accept different levels of risk.
S&P 500: Standard & Poor 500 is an that tracks the 500 largest companies listed on US stock markets.
Stock market: A marketplace where stocks are bought and sold.
Shares/stocks: Units of ownership in a company. CT
By Jamie Quinn
Whether you’re looking to build personal wealth, understand complex financial systems, or simply make smarter financial decisions, there’s a book out there to guide you. This selection explores a range of financial topics, from practical money management advice to thought-provoking analyses of market trends. Discover timeless knowledge, cutting-edge strategies, and real-world stories that will empower you to take control of your financial future.
New Zealand’s leading financial expert, Mary Holm, offers practical advice on navigating various life stages with your money. Through real-life examples, this book helps readers make informed financial decisions and achieve long-term financial well-being.
The Barefoot Investor provides a comprehensive financial plan that can be managed in just 10 minutes a week. Using real-life examples, it outlines strategies for saving, investing, and retiring early, aiming to arm readers with the knowledge to achieve financial freedom.
Sharesies has made investing accessible to everyone by offering low fees and small investment options, but many still feel overwhelmed. The Sharesies Guide to Investing simplifies complex investment information and shares real-life stories to empower readers to start their investing journey.
Journalist Frances Cook shares practical advice on managing money, from budgeting and saving to investing and negotiating pay rises, based on her personal experience of overcoming financial struggles.
By Jamie Quinn
So, you’re about to dive into the world of investing, but before you do, it’s important that you figure out just how much risk you are comfortable taking.
Think of it like deciding how spicy you want your dinner to be. Not everyone can handle a fiery hot sauce, and not every investor can stomach high risks. This is where understanding your investor risk profile comes into play.
What exactly is an investor risk profile? It’s essentially a personal snapshot of your willingness and ability to handle risks when you’re looking to invest. It’s about knowing your financial goals, how long you’re planning to invest, your
life circumstances, and how you feel about the possibility of losing money. It’s crucial because it helps you avoid investments that might keep you up at night, worrying about your money.
Why does this matter so much?
Well, your risk profile is like a guidebook for building your investment portfolio. It ensures that your investment choices align with your comfort level and financial goals, which is vital for keeping you calm when the market gets choppy.
It’s all about investing in a way that lets you sleep soundly, no matter what the stock market is doing.
Investors typically fit into one of three broad categories: conservative, moderate, or aggressive. Let’s walk through what each of these looks like in real life:
Conservative investors are the type who prefer to play it safe. They like to keep their money secure, so they gravitate towards investments that are less likely to lose value. If you’re close to retirement or just don’t like the idea of your balance going up and down, this might be you. You’d probably lean towards things like bonds or fixed deposits—places where your money grows slowly but surely. Moderate investors are the middle ground. They’re okay with taking some risks for better returns, but they also like a safety net. Think of it as a balanced diet of stocks and bonds. You want your investments to grow, but not at the cost of losing a significant chunk
overnight. This profile fits a lot of people who have specific, medium-term financial goals.
Aggressive investors are in it for the thrill and the potential big gains. They’re typically younger or those who have a long time until they need their money. They’ll pack their portfolios with stocks, including high-growth and international options, chasing those higher returns. Yes, their investments might jump around a lot in value, but they’re playing the long game.
It’s important to note that your risk profile isn’t set in stone. Life changes—like getting married, having kids, or moving closer to retirement—can all influence your approach to risk. That’s why it’s a good idea to take a fresh look at your risk profile whenever you hit a major life milestone.
Additionally, understanding different investment risks helps clarify why certain risk profiles make sense for certain people. For instance, aggressive investors might not
flinch at market dips and dives because they’re not planning to withdraw their money anytime soon. On the flip side, conservative folks might steer clear of these ups and downs by sticking to more stable investments, even though they could face other risks like low returns if interest rates rise.
In a nutshell, understanding your investor risk profile is key to a successful investment journey.
Whether you’re the type to avoid risks or the kind who seeks them out for greater rewards, understanding your comfort level with risk can help guide your investment decisions and make the whole process a lot less daunting. So, take some time to think about what feels right for you, and let that knowledge lead the way to a portfolio that truly fits your needs. CT
The Collingwood Tavern is located in one of the South Island’s most beautiful places, sunny Golden Bay.
Collingwood Tavern is built on a peninsula with the Aorere River estuary as a back boundary, it has stupendous views out over Golden Bay and to the mountains in the south. This is the place for relaxed living by day and glorious sunsets most evenings.
With a spacious main bar, two garden-bar areas, and a restaurant with indoor and outdoor dining areas, Collingwood Tavern is well positioned to capture much of the passing tourist trade. Enjoy exquisite views from their sunset balcony and two beer gardens. The dining
area seats about 100 people and has folding doors that open right out to give an inside-outside eating experience. Specialities include delicious seafood and tasty roasts, and they also have vegetarian meals available. The tavern has a main bar and it has a separate gaming room with pokies, a garden bar and kitchen services. The garden bar is covered with canvas in the summer for sun protection. There is a second garden area close to the estuary for those who want to sit in the sun.
With the Golden Bay being a popular tourist destination, year round, it is known as a famous departure point for tours to Farewell Spit, and for trampers walking the Heaphy Track. This means the Collingwood Tavern opens early until late with indoor and outdoor dining available, and takeaway available.
Enjoy exquisite views from their sunset balcony and two beer gardens.
If you’re after a drink at the bar and/or a delicious feed, hit up the Collingwood Tavern today! You can find the tavern on Tasman street in Golden Bay, or to book in advance call the team now on 036 524 8160. Check out their menus online at www.tinkystavern.co.nz.
Founded in 2008 by Barbara and Craig, Focus Labour Solutions has become a cornerstone of the viticulture and horticulture industries in Marlborough. Our mission is to provide an extensive range of labour hire services, including both casual and permanent staffing solutions.
Renowned for our commitment to excellence, we deliver highly skilled, well-trained personnel who embody professionalism and are dedicated to every task, ensuring that our clients receive the best possible tailored to their specific needs.
Why choose us?
At Focus Labour Solutions, we pride ourselves on our adherence to the highest standards of quality, safety, honesty, and integrity. We are fully compliant with all relevant regulations, ensuring a safe and efficient work environment for our employees. Our robust workforce of up to 160 personnel, spanning both permanent and casual staff, is well-equipped to meet diverse labour demands across local councils, wineries, factories, and private farms, making us a versatile and dependable partner in the industry.
Our services
We go beyond merely filling positions; we strive to provide comprehensive labour solutions that encompass vineyard management,
pest and disease monitoring, irrigation maintenance, and general labour hire. Each staff member is carefully selected and undergoes a thorough induction process designed to ensure they are not only prepared but excel in their roles. This meticulous approach to training and development, combined with our strict compliance with Recognised Seasonal Employer (RSE) standards, underlines our commitment to maintaining high standards and delivering superior labour solutions.
Our awards and recognition
Our dedication to operational excellence and quality service provision was recognised in 2015 when we received three prestigious awards at the Westpac Marlborough Chamber of Commerce Business Awards, including the Supreme Award. These achievements are not just awards but a reflection of our unwavering commitment to investing in our people and skills, solidifying our reputation as a
leading provider in the viticulture and horticulture sectors.
Our promise to you
Focus Labour Solutions is committed to exceeding client expectations. Our proactive approach to client relationships ensures that all projects are managed efficiently, completed on time, within budget, and to the highest standards. We offer a flexible workforce that seamlessly adapts to the dynamic needs of our clients, thereby reducing liabilities and enhancing operational efficiency.
As we look to the future, Focus Labour Solutions is dedicated to
continual growth and improvement. We are actively exploring innovative technologies and developing advanced training programs to enhance the capabilities of our workforce. Our goal is to prepare our team not just for today’s market demands but also for the future challenges and opportunities that lie ahead.
Join us
If you’re looking for reliable labour solutions or a rewarding career in the viticulture sector, Focus Labour Solutions is your ideal partner. Contact us today to learn how we can support your operations with our top-tier labour services. Let’s work together to achieve excellence in every vineyard and beyond.
Hours between Monday to Friday, 7am to 7pm
New client enquiries & casual job enquiries – Brendon, 021 548 243 or brendon@flsltd.co.nz
Hours between Monday to Friday, 8.30am to 5pm
Admin/account enquiries –Barbara, 021 2772 449 or barbara@flsltd.co.nz PO Box 389, Blenheim 7240
www.focuslaboursolutions.co.nz
At Focus Labour Solutions we value diversity and employ great peope with great attitudes. We take great care in our work and do whatever it takes to get the job done.
SERVICES
• Viticulture Labour Hire
• Horticulture Labour Hire
• Vineyard Management Services
• Pest & Disease Monitoring
• Irrigation Maintenance
• Hand Harvesting
• General Labour Hire
m 021 548 243
k brendon@flsltd.co.nz
E Focus Labour Solutions
o 26 Hutcheson Street, Blenheim
We aren’t just limited to the viticultural and horticulture industries, we also work with regional councils, local authorities, wineries, factories and farmers. www.focuslaboursolutions.co.nz
The “Big Four” accounting firms – Deloitte, PricewaterhouseCoopers (PwC), Ernest & Young (EY), and KPMG – are globally recognised as being the best of the best in professional services, encompassing auditing, tax advisory, consulting and risk management.
Prior to being the Big Four, there was the Big Eight—the original Eight, based in the U.K. and the U.S., were Arthur Andersen, Arthur Young, Coopers & Lybrand, Deloitte Haskin & Sells, Ernest & Whinney, Peat Marwick Mitchell, Price Waterhouse, and Touche Ross.
While Deloitte Haskin & Sells combined with Touche Ross, Arthur Young joined forces with Ernst & Whinney. Coopers & Lybrand, and Price Waterhouse combined their operations. The five became four after Arthur Andersen’s collapse because of its involvement in the Enron scandal. For some of the biggest public corporations, the Big Four handles the majority of the auditing work.
These firms represent the ideal career destinations for university graduates as well as individuals at various stages of their professional careers, offering unrivalled
opportunities for advancement and personal growth.
Career opportunities at the Big Four
1. Professional Development: The Big Four are known for their internship programs and challenging work environments that build massive professional growth. Employees benefit from exposure to the latest industry methodologies and technologies, which is essential for preparing for advanced certifications.
2. Diverse opportunities: By serving a range of industries globally, these firms provide employees with the unique opportunity to engage with various sectors. This broad exposure not only amplifies professional versatility but also opens up multiple pathways for career progression within the firm and in external roles.
3. National and international networks: Operating in a number of different cities and countries across the world, the Big Four firms offer their employees extensive opportunities to build a global professional network. This national and international presence is ideal for those seeking career opportunities across diverse cultural and business environments, providing insights into the global market landscape.
4. Prestige and impact: Employment at a Big Four firm carries significant prestige. The impactful work performed here influences major businesses and shapes policies worldwide, enhancing an employee’s professional standing and marketability.
Challenges of working at the Big Four
1. Work-life balance: The intensity of work can be demanding, particularly during peak audit and tax seasons, when long hours can intrude on personal time and potentially have an impact on overall well-being.
2. High-pressure environment: These firms are characterised by high-stakes environments where there is an ongoing demand for top-quality work. This can create a pressure cooker situation that may be stressful, especially for newcomers or those unaccustomed to such meticulous demands.
3. Demanding learning curve: The learning opportunities at the Big Four are immense, but they come with the expectation of rapidly mastering new skills and adapting to complex professional situations. This fastpaced growth is not for everyone and requires a high level of dedication and resilience.
A career at one of the Big Four accounting firms offers extensive opportunities for professional development and a window into global business practices. However, these opportunities demand a high level of commitment and resilience for their employees. For those willing to embrace these challenges, a career at the Big Four provides a powerful platform for personal and professional development. CT
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Hours: 7:30am – 5:30am (Mon - Fri) Get Your Glass & Glazing Quote Today
info@morganglass.co.nz • 0800 MGLASS (0800 645 277) www.morganglass.co.nz
Finance bros are typically defined as young, ambitious professionals in the finance sector who are known for their aggressive and competitive demeanour and are often stereotyped for their high-energy, quarter zip sweaters and profit-driven approach.
When most people hear the term ‘finance bros,’ many may associate it with the 2013 film “The Wolf of Wall Street” and think of the lifestyle portrayed: flashy displays of wealth, networking, and a work-hard-playharder attitude of long hours and high risks.
But, as the finance industry continues to evolve, there is a
growing push to move away from this mostly unrealistic stereotype, and move towards a more sustainable, responsible, and balanced business environment.
Businessmen have a unique opportunity to refine what it means to be successful in finance by breaking away from the mould. Here is how they can do it:
The first step towards breaking the finance bro stereotype is to emphasise ethical practices and transparency. New Zealand’s financial sector has an opportunity to lead by example, showcasing a commitment to honesty and integrity in all transactions. This involves clear communication with clients, avoiding jargon to ensure understanding, and prioritising ethical decision-making over quick profits.
Diversity is more than just a buzzword; it’s a chance for innovative solutions and a broader perspective on the market. By fostering a more inclusive environment, businessmen can dismantle the ‘old boys club’ mentality often associated with finance. This means actively recruiting and supporting talents from various backgrounds, genders, and ethnicities and creating policies that support a diverse workforce.
Sustainability is no longer optional but a critical component of modern business practices. By focusing on investments that offer environmental, social, and governance benefits, businessmen can challenge the finance bro image of short-term gains at any cost. Sustainable investing not only appeals to a broader range of investors but also contributes positively to the world, aligning profit with purpose.
The finance bro stereotype often includes a work-till-you-drop culture. However, a healthy work-life balance is essential for long-term success and well-being. Businesses can lead by creating policies that encourage flexible working hours, remote work options, and sufficient vacation time. Promoting a balance between work and personal life not only increases employee satisfaction and retention but also appeals to a wider talent pool.
The first step towards breaking the finance bro stereotype is to emphasise ethical practices and transparency. New Zealand’s financial sector has an opportunity to lead by example, showcasing a commitment to honesty and integrity in all transactions.
The financial sector is ripe for disruption. Businessmen can step away from traditional models and embrace technology and innovation. This could mean investing in tech startups, using big data to improve client services, or adopting new technologies that streamline operations to enhance customer experience. Innovation not only breaks the mould but also positions businesses as leaders in a competitive market.
Engage with the community Community engagement is a powerful tool for breaking the finance bro stereotype. By actively
participating in community projects and supporting local initiatives, businesses demonstrate a commitment to the social good. This can range from financial literacy programs to sponsoring local events. Engagement like this not only improves the company’s image but also builds meaningful connections within the community. In order to break the mould, the path ahead involves more than just a shift in business practices; it requires a transformation to inspire a new generation of professionals. CT
Many of the business expenses you face can be deducted from your income when calculating your tax bill.
Your tax bill is calculated on your net profit. You can reduce your tax bill by claiming as many valid business expenses as you can.
You’ll need to keep good records, such as receipts and log books, and hold onto them for seven years and Inland Revenue will need to see these records if you’re audited. Consider hiring a tax agent as their knowledge could save you time and money.
File and pay on time
This avoids any risk of having to pay interest or penalties.
If you’re worried you may miss a payment date, call Inland Revenue on 0800 377 772 to discuss what support might be available.
Paying by online banking is quickest and easiest.
In your first year of business, you might get a discount if you voluntarily pay tax before the end of the tax year.
Visit Inland Revenue’s website to apply for an instalment arrangement if you’re unable to pay.
What not to do
Do not pay tax late. Penalties might be more than what you owe.
Do not overpay tax. Refunds include interest, but at a lower rate than you’ll get in a savings account.
Claiming expenses
Expenses are the costs you incur in the day-to-day running of your business. At tax time, your total profit (the amount you need to pay tax on) is your taxable income minus the expenses you can claim — so the more you can claim, the less tax you have to pay.
At tax time, your total profit (the amount you need to pay tax on) is your income minus the expenses you can claim — so the more you can claim, the less tax you have to pay.
At tax time, your total profit (the amount you need to pay tax on) is your income minus the expenses you can claim — so the more you can claim, the less tax you have to pay.
Many of the costs involved in running a business can be claimed. You might be able to claim some household expenses if you work from home.
What to do
Keep all expense receipts and invoices you receive.
Try to pay for anything that could be a claimable business expense through your business account, so you’ve got a paper (and electronic) trail.
Keep records of all your expenses — you have to keep these records for seven years.
Entertainment expenses can be 50% or 100% deductible, so check with Inland Revenue.
You’ll claim your expenses as part of your tax return by entering totals into the relevant boxes. You don’t need to provide the receipts with your return, but you need them on hand if Inland Revenue wants to see them.
What not to do
Do not claim full travel costs if your trip mixes work and personal time. Only claim the business portion.
Information sourced from: www.business.govt.nz CT
Budgeting isn’t about restricting spending –it’s about encouraging yourself to make conscious decisions with your money, making sure that every dollar serves a purpose towards achieving your financial goals.
1. Start with your goals: Begin by defining clear, realistic financial goals. Whether you’re saving for a down payment on a home, planning a trip, or just aiming to enhance your emergency fund, your goals will guide how you allocate your funds. Goals not only motivate, but they also provide a framework that shapes your budgeting strategy.
2. Track your income and expenses: Understanding where your money comes from and
where it goes is important. For one month, keep a detailed record of all your income and expenses. This includes fixed expenses (like rent or mortgage payments) and variable expenses (like groceries and entertainment) in order to identify your spending patterns.
3. Categorise and prioritise: Once you have a clear picture of your monthly cash flow, categorise your expenses into ‘needs’ (essential expenses), ‘wants’ (non-essential expenses), and savings/debt repayment. Prioritising your needs ensures that the most critical aspects of your life are funded first while still setting aside money for savings and paying down debts.
4. Set spending limits: For variable expenses, set specific limits. These limits should be realistic, based on your spending history and
financial goals. Staying within these boundaries will help prevent overspending and ensure that you are saving adequately.
5. Monitor and adjust:
A budget is not static; it’s a plan that should evolve as your financial situation changes. Regularly review your budget –monthly or quarterly – to ensure
it still fits your needs and move around when needed.
Effective budgeting is not so much about restriction but more about making informed financial decisions that assist on the path to long-term stability and success. By following these steps, you can create a budget that helps you manage your financial landscape. CT
The Hornby Green is home to some of Christchurch’s favourite shopping destinations including the Warehouse, Briscoes, Rebel Sport, Baby Factory, Bed Bath & Beyond, Anytime Fitness, Toyworld and Coffee Club.
Expanded in 2016 from the original Warehouse and Briscoes development, the stores offer a service to the Hornby community and beyond.
“Located over 13 acres and with more than 600 car parks, it is an amazing shopping and dining destination for the local community.”
The development was the brainchild of the Hornby Club board and management team, who saw value in replacing their bowling green, which hosted the commonwealth games in the 1970s, with a large-scale retail complex to complement the existing Warehouse and Briscoes building developed in 1990, as well as the adjacent Hub Hornby.
Tim Mathews, General Manager of Hornby Club says the development continues to be an incredible success for the Club and its tenants.
“Located over 13 acres and with more than 600 car parks, it is an amazing shopping and dining destination for the local community. It works in harmony with the Hub Hornby to offer Hornby, Rolleston, Prebbleton, West Melton, Wigram and other nearby neighbourhoods a space to shop, dine and be entertained”.
The Hornby Club has a strong presence on the site, more so since the launch of its new multi-milliondollar redevelopment. It is a modern, welcoming and architecturally
impressive building with a family restaurant, sports bar, café and events venue.
“The Hornby Club has a strong presence on the site, more so since the launch of its new multi-million-dollar redevelopment.”
“The Hornby Green is a fantastic complimentary offering for our community and members of our
Club. Being part of the Hornby community is core to the Clubs ethos and being able to provide a facility with such strong and in demand businesses is one of Hornby Clubs key points of difference as a Not-for-Profit Community entity. We enjoy being so close to incredible businesses like Toy World, Bed Bath and Beyond, The Baby Factory, Briscoes, Anytime Fitness, Rebel Sport, The Warehouse and The Coffee Club,” shares Tim.
The Hornby Green is open Monday to Sunday and is located on at 19 and 35 Chalmers Street, off Carmen Road, beside the Hub Hornby.
Simply Raw is your go-to destination for premium fresh and frozen pet food, dedicated to providing the best nutrition for your furry companions at an affordable price. With convenient in-store and online shopping options, we make accessing high-quality meals for your pets easy. Alongside our food range, we offer a variety of tasty treats and essential health supplements to keep your pets happy and healthy.
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New Zealand’s small and medium enterprises (SMEs) are experiencing a notable shift in economic expectations and financial health, according to MYOB’s Annual Business Monitor released earlier in the year.
The survey of more than 1,000 SME owners revealed that 37% anticipate economic improvement in the next year, a significant change from 2023’s survey, where 69%
expected a decline. In contrast, 40% still predict a downturn, while only 22% expect stability. This contrasts sharply with Australia, where 52% of SMEs foresee worsening economic conditions.
Despite this newfound optimism, persistent cost pressures remain a major concern for business owners. Factors such as inflation, rising interest rates, and increasing fuel and transport costs continue to weigh heavily on business confidence.
Many SMEs have faced challenging conditions. Notably, 82% of
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While many SMEs remain cautious about the future, a significant percentage express ambitions for growth and development.
surveyed SMEs reported increased overhead costs, averaging an additional $1,490 per month. Compliance costs have also risen significantly, particularly for smaller businesses with 1-5 employees.
In response to these financial pressures, 54% of SMEs plan to raise prices in the coming year, with the construction, manufacturing, and retail sectors indicating the highest likelihood of price hikes.
Revenue growth has been modest, with 25% of SMEs reporting increases, while 33% experienced declines. The construction industry has been particularly hard hit, with 39% of businesses reporting revenue drops due to high costs and numerous halted projects.
Profitability has tightened across the board; only 22% of SMEs noted increased profits over the past three months, while 41% experienced declines. However, the overall
financial health of local SMEs appears to be stabilising, with 43% describing their cash flow as ‘good’ to ‘very good,’ an increase from 35% last year. This suggests that many businesses are finding ways to adapt despite ongoing challenges.
Looking ahead, 29% of SMEs said they expect revenue growth over the next year, although 47% anticipate stability and 21% predict declines. While many SMEs remain cautious about the future, a significant percentage express ambitions for growth and development.
Overall, while challenges persist in the current economic climate, cautious optimism is emerging among New Zealand’s SMEs as they navigate the complexities of the business landscape, suggesting potential for resilience and recovery in 2025. CT
Starting a business can be an exciting and rewarding venture for anyone, regardless of income. However, many aspiring entrepreneurs may be discouraged by the financial constraints they face. If you’re faced with a limited budget, don’t lose heart. Here are some tips on how to start a business on a low income.
Step one:
Choose the right business idea
The first step in starting a business is to choose a viable and costeffective idea. Look for business models that don’t require significant capital investments, like servicebased businesses or online ventures. For example, you could offer freelance writing, graphic design, or consulting services.
Step two:
Create a lean business plan
A solid business plan is essential for any entrepreneur, but it’s especially important when starting with limited
resources. Focus on creating a lean plan that outlines your target market, value proposition, operations plan, and financial projections. This will help you understand your business model better and allow you to make informed decisions as you grow.
Step three: Prioritise your spending
When working with a tight budget, it’s crucial to prioritise where your money goes. Create a list of essential expenses, such as licences and permits, website development and marketing efforts, and find ways to minimise costs wherever possible.
Step four: Find free or inexpensive resources
Utilise free or low-cost resources available for aspiring entrepreneurs. This could include networking groups, online forums and communities, or organisations that offer free mentorship programs and workshops.
Step five:
Use social media for marketing
One of the most cost-effective ways to market your business is through social media platforms
Create a list of essential expenses, such as licences and permits, website development and marketing efforts, and find ways to minimise costs wherever possible.
Step seven:
Collaborate with others
Collaborations can help you share resources and cut costs when starting a business on a low income. Seek partnerships or bartering arrangements where you offer your services or products in exchange for theirs. This could help secure office space, marketing support, or even product development assistance.
Step eight:
Keep learning and adapting
like Facebook, Instagram and TikTok. Posting regularly about your products or services can help build brand awareness and attract followers without breaking the bank.
Step six: Bootstrap your finances
Bootstrap funding refers to the process of using personal savings or revenue to finance your startup instead of outside investments. Be prepared to make sacrifices, such as cutting back on personal expenses or taking on part-time work, to fund your venture.
Running a lean operation requires constant learning and adapting to new market circumstances or challenges. Stay informed about industry trends and best practices, and be open to adjusting your strategies as your business grows.
Starting a business on a low income is undeniably challenging, but with the right mindset, resourcefulness and determination, it’s possible to turn your entrepreneurial dream into reality. By choosing the right idea, creating a lean business plan, prioritising spending, and taking advantage of free resources, you can establish your venture while keeping costs down. So go ahead, pursue that dream and see where it takes you! CT
At Jennian Homes we pride ourselves on delivering the home you’ve always wanted. We’ll work with you to create a home that reflects your personality and suits your lifestyle.
We’re New Zealand’s most awarded Master Builders Brand in the Registered Master Builders House of the Year Awards. We complete all of our homes to the same award-winning standard and are committed to building dreams which exceed expectations, creating everlasting value for our clients.
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Earlier this year Ipsos released its Cost of Living Monitor, a 32-country survey which tracks how people around the world feel about their finances.
A quarter of New Zealanders are finding it difficult to manage financially with expectations that unemployment and housing costs will rise.
The survey reveals 24% of New Zealanders find it difficult to manage their finances, a figure that has remained stable during the past year. This marks an increase from 20% in May 2022 and 26% in February 2023.
Interestingly, the global average for financial difficulty stands at 26%. In contrast, nearly half (45%) of New Zealanders report living comfortably or doing alright, compared to a global average of 39%.
Looking ahead, 25% of New Zealanders believe their standard of living will decline over the next year, slightly above the global average
of 23%. Concerns about inflation persist, with 56% expecting prices to rise further, although this is a decrease from 82% in 2022 and 71% in early 2023.
New Zealanders also anticipate rising unemployment, with 66% expecting joblessness to increase, compared to a global average of 55%.
Housing costs are a particular concern; nearly half (48%) of New Zealanders expect their rent or mortgage expenses to rise in the next six months, significantly higher than the global average of 39%.
Additionally, many anticipate increases in essential expenses: 73% expect food prices to rise, 71% foresee higher utility bills, and 70% predict increased household shopping costs. Two-thirds (66%) also expect fuel prices to climb.
New Zealanders are among the most likely globally to feel their disposable income will decrease in the coming year, with 38% sharing this sentiment compared to the 29% global average.
Housing costs are a particular concern; nearly half (48%) of New Zealanders expect their rent or mortgage expenses to rise in the next six months, significantly higher than the global average of 39%.
Ipsos New Zealand managing director Carin Hercock emphasised that more than half of Kiwis cannot foresee an end to high inflation over the next year. Despite the drop from previous years, the impacts of inflation remain a pressing concern. Job losses in the public sector are likely fueling the expectation of rising unemployment and increasing housing costs.
Contributing factors to the rising cost of living, as identified by respondents, include the global economy (79%), New Zealand’s interest rates (79%), government policies (70%), and excessive profits by businesses (69%). These concerns reflect a broader consensus seen across the 32 countries surveyed.
Ipsos New Zealand research director Amanda Dudding noted that many citizens are closely watching the upcoming budget in light of their cost-of-living concerns. With rising daily expenses viewed as the top issue facing the nation, New Zealanders are not optimistic about their financial futures, with many already struggling.
This study is part of Ipsos’s Cost of Living Monitor, which aims to gauge global sentiment on financial well-being. The survey included over 24,000 participants from 32 countries, including 1,000 individuals aged 18 and older in New Zealand. CT
Transform your property with PPS – Painting & Plastering Solutions, where quality meets craftsmanship.
Specialising in thorough painting and plastering services for both residential and commercial projects, PPS ensures that every brushstroke and finish reflects perfection. Whether it’s a fresh coat of paint for your home, a sophisticated plastering job for your office, or a specialised finish like Venetian plastering, our team of dedicated professionals is committed to delivering top-tier results.
We pride ourselves on meticulous attention to detail and an unwavering commitment to quality. From initial consultation
to the final touches, our skilled professionals work closely with you to bring your vision to life, ensuring every project meets our high standards and your expectations. Beyond traditional services, we also offer GIB stopping to a level 5 finish and expert wallpapering to transform any space into a stunning showcase of style and professionalism.
Choose PPS – Painting & Plastering Solutions for a flawless finish that elevates your space. Get in touch with Lisa today to discuss your project needs and discover how we can make your aesthetic ambitions come true.
Experience the PPS difference and call Lisa today at 021 216 4484 or visit www.ppsolutions.co.nz.
Transform your home into a sanctuary of style with Guthrie Bowron, New Zealand’s trusted leader in home decorating.
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New locally-owned FinTech start-up, Taxi, is giving Kiwi businesses access to a new form of funding at half the cost of big bank overdrafts – a game-changer for small businesses who, on average, experience negative cash flow for four months of the year.
Powered by IRD-approved intermediary Tax Traders, Taxi utilises smart technology to unlock funding supported by the billions of underutilised pre-paid provisional tax paid by over 250,000 Kiwi businesses.
NZIER principal economist Michael Bealing has calculated that the more accessible cash and lower borrowing costs provided by Taxi will have a measurable impact on both individual business productivity and the economy as a whole.
“It’s widely accepted that small-tomedium-sized businesses (SMEs) make a significant contribution to the New Zealand economy. On average, SMEs experience negative cashflow for four months a year, which prevents growth and entrepreneurialism.
“Having improved access to funds, and at significantly reduced costs, makes it easier for businesses to smooth out fluctuations in cashflow, invest in productivity improvements, and support innovation. Taxi has the potential to make a tangible difference to individual businesses that could in the long run stimulate the economy as a whole,” Michael says.
Taxi has achieved this by developing software to provide access to key benefits of the New Zealand tax system that have, until now, only been available to large corporates with expert taxation, legal and financial specialists.
For Taxi co-founders Nicola Taylor and Josh Taylor, this has been more than a decade-long journey.
“In our experience at Tax Traders, only a small number of large businesses with significant resources have been accessing funding using New Zealand’s unique tax framework in this way. We’re a team of accountants and tax experts on a mission to change that and unlock these benefits for all Kiwi businesses.
“We understand how important it is for businesses to have enough capital to grow, and the Auckland lockdowns showed us first-hand
that successful businesses still need access to cash to help ride out the tough times. It was in the lockdown of 2021 that we knew we needed to develop Taxi to help more Kiwi businesses.
“The result is that Taxi currently offers a 7.09% per annum rate on any money borrowed and charges a monthly access fee that is also lower than most bank overdraft fees. Taxi backs SMEs; we understand their world, and we’re in their corner.
“We are here to provide businesses with real options to grow and expand, and access funding with dignity. We built Taxi to provide a meaningful alternative to a big bank overdraft, one that is easy and affordable,” Nicola says.
NZIER calculations show that savings on overdraft costs alone could easily exceed $50 million annually and that is money that will stay in New Zealand.
For more information on how Taxi works, visit: www.gotaxi.co.nz CT
With more than 50 years’ experience in the construction sector we are well aware of the needs of the industry. This means we realise how important the safety of your best asset – your staff – is to you and your company’s future.
So, as a local company servicing Cantabrians in the re-build of Christchurch, we are committed to the safety of your staff.
And when you deal with us you’re dealing with the owner, which means you receive a superior and speedy service – every time.
Our extensive construction knowledge ensures we understand local compliance issues and we realise
how critical your deadlines are and we guarantee to be on time – check out our Secureguarantee.
By using Securescaffold you can rest assured that your objectives of safety, cost and meeting deadlines are of paramount importance.
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Judy went above and beyond to help us sort everything. As we are not from the south island, Judy sorted all our builders reports for us and looked after our house until we arrived. I wouldn’t go to anyone else, Judy is the person you want if you want results.
Judy Ludemann- You have been simply the best.
any of our questions and was such a calming voice to us during the stressful time of relocating! She was never pushy, but always guiding us with her years of knowledge and backing it up with the current market data.
Judy is inherently reliable, supportive and hard-working, and she's known for her commitment to the bigger picture in the lives of the people she works with. Personal integrity and a resolute willingness to go the extra mile have helped generate an impressive track record: many happy clients eagerly turn to her as their only choice when they come to buy or sell again. An assured understanding of her obligations and responsibilities as a real estate professional puts people at ease as Judy leaves no stone unturned in her sales process. She is a consummate professional and a prime representative of the Harcourts brand. She truly embodies the fantastic service Harcourts clients expect and she operates with complete confidence and expertise in our systems and processes.
More than half (61%) of Kiwi businesses admit they haven’t properly disposed of electronic waste (e-waste) in the last year.
When asked why they didn’t recycle or dispose of their e-waste, 45% of business owners said they simply didn’t know what to do with their devices, while 35% said they don’t have the time to dispose of e-waste properly.
These figures have arrived courtesy of a survey commission by e-waste recycling organisation Echo. Echo CEO Patrick Moynahan says the results reflect the unsustainable habits of Kiwi business owners.
“With so many businesses saying they haven’t properly recycled their e-waste over the last year, this signals a huge number of items potentially ending up in landfill rather than being disposed of responsibly,” Patrick says.
“Clearly, there is an emerging awareness and desire to properly dispose of e-waste across Kiwi businesses, but some clear challenges have emerged, and this makes it hard for people to know what the options are.”
Additionally, half of all businesses (52%) believe they should be doing more to recycle their e-waste properly in the current climate of sustainability.
Despite this, only one in four Kiwi businesses have any formal policies around how to properly dispose of e-waste products, while nearly half (44% have no corporate social responsibility or sustainability policies in place at all.
“This paints a stark picture of the state of e-waste disposal across the country and indicates Aotearoa is becoming a digital dumpsite for electronic waste,” Patrick says.
“With approximately 98,000 tonnes of e-waste every year in Aotearoa,
this highlights a major opportunity for sustainability improvement across the country.
“Kiwi business owners play a pivotal part in this, placing them firmly in the driver’s seat to consciously dispose of e-waste and contribute to Aotearoa New Zealand’s circular economy.”
According to the World Health Organisation, e-waste is the fastest growing solid waste stream in the world, with 53.6 million tonnes produced globally in 2019.
In Aotearoa, 19.2kg of e-waste is generated per capita—above the OECD average of 17.1kg and more than 2.5 times higher than the world average of 7.3kg. Only 2% of this e-waste is diverted from landfills and recycled properly.
“Policy-wise, there’s the opportunity for New Zealand business leaders to embrace change and make a difference in their own practices, and we encourage anyone interested
• 61% of businesses have not disposed of e-waste properly with a recycler in the last year
• 45% of business owners say they don’t know what to do with their electronic waste
• 52% of business owners say they should be doing more to recycle their electronic waste
• Only 25% of businesses say they have formal policies around properly recycling e-waste
• 44% of businesses say they have no corporate social responsibility or sustainable policies at all.
in improving their sustainability practices to consider how they dispose of e-waste,” Patrick concludes. CT
Pakawau is found at the Northern end of Golden Bay just 14km’s from Collingwood. Pakawau Beach Camp sits on the sea front enabling you to enjoy the sounds of waves meeting the shore, to amazing sunrise and sunsets over the ocean.
Come and pitch your tent, park your camper van or stay in one of our beach front cabins. Less than a 20-minute drive from Pakawau you will discover an abundance of stunning scenery including, Cape Farewell, Farewell Spit, Puponga Farm and Wharariki Beach.
The nationwide company has been manufacturing innovative and stylish metal roofing and cladding products for the residential and commercial markets since the 1950s.
Today the company operates 12 branches throughout the country and has firmly established itself as New Zealand’s largest and
most-established privately owned building product rollformer and installer, offering an extensive range of longrun roofing profiles, light-weight metal tiles and rainwater system solutions.
Metalcraft Roofing offers a wide range of metal roofing and cladding options, which are all backed by solid manufacturing and installation warrantees. Its roofing and rainwater systems are manufactured from New Zealand Steel, Colorsteel®.
Metalcraft’s primary niche product is its Espan® profile, which has been designed for style and performance
and features high ribs, creating defined shadow lines and providing superior weather performance.
Metalcraft are excited to announce our new 100mm and 150mm downpipe. Both are manufactured locally in Christchurch using New Zealand Steel Colorsteel, ideally suited for both residential and commercial projects.
They also manufacture the Metalcraft Fencing system which is a high quality, attractive and cost-effective fencing solution suitable for domestic, rural and industrial applications. Metal fencing is virtually maintenance free and does away with the need to repaint.
Gates are available to compliment the Metalcraft Fencing system.
Metalcraft fencing is designed for easy assembly and installation which makes it perfect for the home DIY handyman.
For more information check out their website www.metalcraftgroup.co.nz or ring 03 349 7350 and speak with one of the team who love to talk about their products.
Metalcraft Roofing manufactures and installs a range of high-quality products, including:
• Metal roofing and cladding
• Metal tiles
• Metal guttering and spouting
• Steel purlins, girts and tophats
• Metal fencing
• Metal insulated panels.
Christchurch is the right place to plan a funeral because the company is “simply respectful and simply affordable.”
The team likes to help people honour the lives of loved ones and bring family, friends, and communities together to say goodbye on the client’s terms. Having to go through the process of setting up a funeral brings a lot of emotions, but Simplicity Funerals Christchurch makes it easier for clients to feel like they’re not alone.
Services include financial assistance, caskets and urns, hearses and vehicles, repatriation, sending a tribute, keepsakes jewellery, and more funeral options.
The team provides comfort, respect, and compassion and can provide a funeral in any venue the client chooses. They have a lot of experience in being there for people and helping them find the right venue is important. The choice is the client’s – a funeral could be held in the Canterbury or Harewood Crematorium Chapels, the client’s home, church, graveside service at the cemetery, somewhere personal, or family gatherings can be held in the Simplicity Funeral’s Memories Lounge for a small group, including a cup of tea.
The company has been working with Canterbury families for over 145 years but was originally known as G Barrell & Sons in Christchurch. Jamie Harvey has over ten years of experience in New Zealand funeral service and leads a team of experienced funeral directors.
For more information on how to plan a funeral, services provided, FAQs, pricing, more about the company and contact details check the website www.christchurch.simplicity.co.nz
The team offers free information and funeral planning and is always
happy to answer any queries. They offer a 24-hour service every day. Enquire online by filling out a form, contact (03) 379 0196, or head to their office located at, Corner of Gasson and Coleridge Streets, Sydenham, Christchurch.
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By Ben O’Connell
In June, the National Business Review’s (NBR) 2024 Rich List estimated the Mowbray family were worth $20 billion, making them New Zealand’s wealthiest by far. What was once a humble toy company operating from a Cambridge garage more than two decades ago, the Zuru Group has grown into a business on track to hit $3 billion in revenue in 2024.
Zuru is wholly owned by brothers Mat and Nick Mowbray and now spans three divisions – toys, consumer goods, and construction, with over 5000 employees and 30 locations worldwide.
The Mowbray family displaces packaging, property and investment magnate Graeme Hart on the list, who has been the country’s
wealthiest person for just over 20 years and is valued at an estimated $12.1 billion.
“Zuru describes itself as a robotics and automation company with a relentless focus on continuous improvement, which sees it automate at least one new process a week, resulting in some of the most efficient factories in the world,” NBR Rich List editor Hamish McNicol says.
“This has resulted in the group being highly profitable and debt-free, and Zuru must now surely be considered one of New Zealand’s most remarkable business successes.”
The wealthiest ten Kiwis are all billionaires, with a collective fortune of over $50 billion. Among them are tech entrepreneur and former Xero CEO Rod Drury, property investor and former politician Sir Bob Jones, and businessman and philanthropist Sir Michael Friedlander.
The most famous rich listers are, of course, the award-winning film producers and screenwriters Sir Peter Jackson and Dame Fran
“The concern I think the wealthy have is that the government will squander it, and so there’s a certain resentment about paying more than you should. If we had a good enough government, they could get away with it, and it could become part of the deal.”
Walsh. Known widely for their work on The Lord of the Rings and The Hobbit film series, their success has had a lasting impact on the nation’s film industry and tourism.
With an estimated $1.3 billion, Bruce Plested, the billionaire cofounder of Mainfreight, also made NBR’s list. He recently told RNZ that he supports the idea of a wealth tax to help address concerns about societal inequities.
“The concern I think the wealthy have is that the government will squander it, and so there’s a certain resentment about paying more than
you should,” he told RNZ’s Corin Dann. “If we had a good enough government, they could get away with it, and it could become part of the deal.”
New Zealand is one of the few OECD countries without a capital gains tax. In 2023, the then-Labour government surveyed the nation’s richest 311 families, finding that they paid an effective tax rate of 9.4%, less than half of the 20.2% that the average Kiwi paid. A longstanding political issue, time will tell whether Aotearoa follows suit and sees its richest pay up. CT
Developing extensive knowledge during years of recruitment and sales, both in the UK and New Zealand, we wanted to bring this platform and provide a service to help and develop your recruitment needs.
NZ Recruit is offering services to help reach and fill your current vacancies by advertising your current jobs on Seek , Trademe and Myjobspace, also by expanding your reach through social media. Not only can NZ Recruit offer advertising services, we will ensure applicants are contacted accordingly. Communication is key. We can help write your advert, screen and prepare for interviews. What takes your time and puts pressure on you; we can help manage.
Building long-term working relationships is essential to us both, understanding your business and your recruitment needs.
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OUR GOAL IS TO PROVIDE A SERVICE THAT HELPS YOUR BUSINESS WITH RECRUITMENT AND TAKES THE PRESSURE OFF YOU. “ “
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The Waitaki District Council’s Governance Team endorsed the continuation of the Transformation Programme.
A paper outlining the aims and progress of the programme so far was presented to councillors by Deputy Chief Executive and Director of Customer Experience and Engagement, Lisa Baillie.
Chief Executive Alex Parmley said, “It’s important to recognise that we are not looking to copy other councils, but are creating something bespoke for Waitaki.
“This has been driven by Council staff engaging in the programme. We’re aware that other councils are watching how we’re approaching transforming, with interest in the innovative ways we are meeting the challenges facing every council in the country.”
The paper explained the two previous stages undertaken in the Transformation Programme, and updated councillors on the critical steps in Implementation, which they approved in November 2023.
This included the new organisation design, changing how our teams
operate and bringing services together which will be operational in 2025.
It also includes the new approach to customers, which will see one team of customer service operating across all Council services, and ease of over-the-counter and online access to services.
The council will be using digital technology to improve access to services and automate some processes to improve service and efficiency. This will involve improved digital services and digitising and automating as many of Council’s forms as possible – while also retaining paper versions for those in the community that use them.
It also includes a Customer Experience team to help our customers with more complex requests, such as applications, to provide an easier-to-use and seamless service with one main point of contact.
Internally, the Organisational Performance Management Framework (OPMF) will set new standards for how the council as an organisation and council staff deliver and are held accountable for delivering for the community. It will also support the Council to continuously improve services.
“It’s important to recognise that we are not looking to copy other councils, but are creating something bespoke for Waitaki.”
Ultimately, this will be about ‘Changing the way we Waitaki’ by changing the way the council works for Waitaki. It all comes back to delivery of the key outcomes established earlier in the Transformation Programme:
• A great customer experience – our community view Council as helpful; they want to interact, engage and are proud of their council. We are customer focused and effective in the way we deliver
• Value for money – we deliver more to the community than we take. We focus on priorities and ensure we are efficient in using ratepayer and community resources
• Flexible and fit for purpose – our organisation is able to thrive with change. We are able to innovate, adapt, and deliver new ways of doing things
• Focused on the communities’ needs – we are focused on how we can improve quality of life and wellbeing with our communities
• An employer of choice – People want to work for Council and are proud to say they do. We are regarded as a leader in local government. We can retain and attract the people and skills we need to deliver well for our district and community
• Partnering with and enabling our community – Council is part of the community, not the government system. We are an anchor institution, place maker and convenor – making sure our communities needs are met by those best placed to meet them. We enable local ideas and support localism and the ability of our local communities to decide and act on what is important. CT
Falling between Aoraki Mount Cook and Moeraki, Waitaki is a region where adventure, heritage, and award-winning hospitality await. Whether it’s a family trip or an escape for two, there’s something for every wanderer.
First, take the scenic route off State Highway 1 to the historic coastal town of Ōamaru. Allow plenty of time aside to explore this unique area on the South Island’s East Coast, only an hour and a half from Dunedin or an easy 3-hour drive from Christchurch.
Discover award-winning restaurants and laid-back cafes surrounding the Victorian precinct. Take a stroll down Harbour Street and wander in and out of galleries and boutiques, or dive deep into history at the Waitaki Museum or Whitestone City.
For a slice of nature and wildlife, check out the world’s smallest penguins at the Ōamaru Blue Penguin Colony. See the little blue penguins in their natural environment supported by a team of researchers who pride themselves on their conservation efforts. Learn about their lifestyles from the resident penguin experts and watch the little blue’s return home at dusk after a long day fishing at sea.
If you’re on a road trip, park your motorhome or caravan at the Ōamaru Top 10 Holiday Park located opposite the Ōamaru Public Gardens. If the mountains are calling, drive inland to the Waitaki Valley, and let the outdoor adventure truly begin.
Spanning 7,214 square kilometres, Waitaki is home to New Zealand’s first Waitaki Whitestone UNESCO Global Geopark, a landscape full of geological wonders that vary from limestone cliffs to larger-than-life rocks and fossils.
If you are after a hidden gem and a photo opportunity, take a break at
With six tranquil lakeside campsites to choose from, wake up to birdsong and a stove-top coffee or pick up a baristamade cup at a local favourite, Waitaki Braids cafe.
Anatini. Explore the limestone caves and location of Aslan’s camp in the movie The Chronicles of Narnia: The
Lion, the Witch and The Wardrobe, before driving a few minutes down the road to nature’s playground, Elephant Rocks. Dig for fossils at Vanished World Centre or take a walk across wetlands and hilltops. Stop in at cosy pubs or historic hotels, chic boutiques and local wine bars, before settling in for the night at a Waitaki Lakes camp site. With six tranquil lakeside campsites to choose from, wake up to birdsong and a stove-top coffee or pick up a barista-made cup at a local favourite, Waitaki Braids cafe.
Continue on towards Ōmarama and the Mackenzie District, or if you’re up for it, try New Zealand’s longest cycle trail, Alps 2 Ocean. A once-in-a-lifetime experience for the active adventurer, don’t miss it – whether you cycle the whole trail or just a section of it, you’re sure to pass through stunning views and cute small towns.
Book a trip for Otago Anniversary Weekend and get down to boogie at the Harbour Street Jazz and Blues Festival. With a diverse line-up of talented local and international musicians, the festival’s popularity is growing every year and has become a must-do event in New Zealand’s social calendar. While the town will welcome you with open arms, it is prudent to book accommodation well in advance!
What are you waiting for?
Plan your autumn adventure at www.waitakinz.com
– the world’s smallest little blue penguins
Book now at penguins.co.nz
Your visit supports our long-term conservation and research programs. Come and meet the charming little locals of Ōamaru. With viewings and tours available daily and at dusk, come and watch as the penguins return home. /oamarubluepenguincolony
Welcome to Waitaki, a place of geological wonder, steeped in rich culture and heritage and surrounded by striking landscapes. Home to New Zealand’s first UNESCO Global Geopark, the Waitaki Whitestone UNESCO Global Geopark covers ground from mountains to sea and is home to inland routes and coastal towns.
Spanning 7,214 square kilometres, Waitaki stretches from Ōmarama, across the Waitaki Valley to Kurow and Duntroon, before reaching the heart of the region, Ōamaru. From there, you’re invited to take the coastal route, driving through Hampden and Moeraki, before reaching the town of Palmerston. Only a 3-hour drive from Christchurch, or 90 minutes from Dunedin, the region is smack bang in the middle of Mackenzie Country and Central Otago. With mountainous terrain, cliffs of limestone, elephantsized rocks, and the rugged Pacific Ocean, this region is like nowhere else in Aotearoa New Zealand.
Live
Wherever you reside in Waitaki, you’re only a hop, skip, and jump from the mountains, lakes, braided rivers, or the sea. From blue penguin colonies to limestone architecture, steampunk, jazz and blues, and a celebration of the Victorian era, nature meets culture in the most populated town, Ōamaru.
Attracting people from all walks of life and from across the world, Waitaki inspires the dreamers and
Enjoy a playground as nature intended.
From skiing to horsetrekking, jetboating to mountain biking, fit it all in one day then come back and do it again.
doers. Tucked away from the hustle and bustle of big city life, people are rich in space where they are free to live and supported to create. Some of the most fascinating operators and artists led colourful lives across the globe before falling in love with the region’s charm and character. In a place where everyone is encouraged to be themselves, borne one-of-a-kind restaurants, bars,
award-winning wine, unique art, breweries, sculpture and more.
Waitaki is not only a great place to live, but a great place to hold business. Visit the region for a work conference or trip, or book in a team wellness retreat. With a handful of Qualmark Gold accommodation, and stylish hotels and apartments, there’s something to suit every budget. For a corporate trip, stay at Poshtel, Mariner Suites, Northstar, or the Brydone Hotel, before hosting an event, conference, or social gathering at the award-winning and multifunctional space, The Business Hive. For a touch of luxury, try Casa Nova House, Pen-y-bryn, or a glamping retreat in the Waitaki Valley.
Enjoy a playground as nature intended. From skiing to horsetrekking, jetboating to mountain biking, fit it all in one day then come back and do it again. Discover geological wonders at Anatini and Elephant Rocks, dig for fossils at the Vanished World Centre, then sample a drop in the wine region of Kurow. Cycle New Zealand’s longest cycle trail, the Alps 2 Ocean, or try a section of it and alternate with a breathtaking hike across peninsulas and wetlands. For a slice of nature and wildlife, check out the world’s smallest penguins at the Ōamaru Blue Penguin Colony, or take a stroll down Harbour Street and step back in time to the Victorian era and the world of steampunk.
From the mountains to the sea, Waitaki offers endless adventures you’ll never forget.
Put your foot to the pedal and cycle New Zealand’s longest cycle trail with Alps 2 Ocean. Take a jet boat down the Waitaki River, horse-trek across the Lindis Pass, or glide with a view of the mighty Southern Alps – the options are endless with hikes and fishing spots around every corner.
For those who want to relax and unwind from the stresses of everyday life, Waitaki is the perfect escape. Indulge in a little luxury or treat yourself to some pampering as your worries melt away.
Wine and dine, relax in a hot tub, then rest your head at a five-star hotel or luxury glamping experience.
Be captivated by the world’s smallest korarā (little penguins) at the Ōamaru Blue Penguin Colony.
See them in their natural environment from a special day viewing area or watch them waddle ashore at dusk after a day fishing at sea.
All proceeds go towards ongoing research and conservation.
Plan your trip at waitakiwanderer.nz
Cost efficiency, value for money, and a focus on core services were key themes during the Waimakariri District Council’s discussion on the Draft Annual Plan for the upcoming year in October.
Mayor Dan Gordon initiated the workshop by noting the Council’s alignment with Central Government directives emphasising quality local infrastructure, core services, and responsible rate management. The Draft Annual Plan represents Year 2 of the recently adopted Long Term Plan (LTP), which proposes a 4.8% rate increase for the next year.
“I am dedicated to ensuring we fulfil our commitments outlined in the LTP. This workshop serves as a platform to explore and identify methods
for enhancing value and meeting community service expectations,” Mayor Gordon stated.
Chief Executive Jeff Millward highlighted the economic challenges facing both the community and the council.
“As anticipated, there haven’t been major changes since last year. Staff have been tasked with reviewing their programs to enhance value while maintaining consistent service levels,” Jeff explained.
“The community continues to experience cost-of-living pressures, with the consumer price index remaining elevated over the past year. Although mortgage rates are decreasing, they are still high. The same cost challenges impacting households are also being felt by the Council, contributing to budgetary pressures for the upcoming year, complicating efforts to stay within the projected 4.8% increase.”
These challenges include:
• Increased asset values (roads, reserves, water treatment facilities, etc.), leading to higher depreciation costs (funds allocated for maintenance and replacement of assets)
• Significant hikes in costs for electricity and insurance
• A reduction in Government funding for roading infrastructure, resulting in a $13.5 million shortfall due to lower-than-expected NZ Transport Agency contributions.
The Council also reviewed its financial standing at a macro level. Revenue is approximately $150
million annually, with debt around $200 million, creating a debt-toincome ratio of 1.3:1—well below the Government’s threshold for growth councils. This is supported by community-owned assets (roads, reserves, water treatment facilities, etc.) valued at roughly $200 billion.
For context, New Zealand’s mortgage borrowing limit is capped at a 6:1 debt-to-income ratio for owner-occupiers, many of whom consider their home as their primary asset. This common ratio is 2.4 times higher than the Council’s selfimposed cap and 4.5 times higher than its current debt levels.
The Council’s financials undergo annual audits by Audit NZ, and credit rating agency Standard & Poor’s has reaffirmed its AA longterm and A-1+ short-term credit ratings with a stable outlook. For comparison, New Zealand banks ANZ and BNZ hold a Standard & Poor’s rating of AA-.
“The upcoming Annual Plan takes into account anticipated changes to the Local Government Act, emphasizing quality local infrastructure and core services, as well as proposed revenue caps for non-core activities,” Mayor Gordon noted.
“Our Council operates with financial prudence, as demonstrated by our history of minimal rate increases compared to other councils in the Greater Christchurch area.
“We have maintained this restraint throughout the COVID-19 pandemic and its aftermath, prioritizing community impact above all else. We have achieved this while maintaining our appeal as a high-
growth area, ensuring resident satisfaction with Council services.
“To remain close to our targeted 4.8% increase, all budget items are subject to review.”
Budget meetings, during which Councillors will evaluate each activity line-by-line, are scheduled for late January. The Draft Annual Plan will be available for public input in March 2025. CT
Information courtesy of the Waimakariri District Council: www.waimakariri.govt.nz
In October, the Government announced details about the Fast-Track Approvals Bill,along with a schedule of 149projects across thecountry. Four projects in Waimakariri have been included in this Fast-Track schedule:
• Gressons Road Development: This initiative will facilitate the subdivision and development of around 1,500 homes, accompanied by community features such as public transport connections, green spaces, and essential infrastructure, situated next to existing residential and commercial areas
• Ohoka Residential Subdivision: This project will consist of 850 houses, a mixed-use commercial center, and potentially a school or retirement village
• West Rangiora Residential Development: This staged project will involve subdividing
approximately 40 hectares of land to create between 700 and 780 residential units, with 400 to 480 units in the first stage and an additional 300 in the second, alongside necessary road and service areas
• State Highway 1 North Canterbury – Woodend Bypass Project (Belfast to Pegasus): This project aims to extend the SH1 Christchurch Northern Corridor by constructing 4 km of motorway or expressway to bypass the Woodend township, enhancing safety and efficiency with improved travel times.
The Fast-track Approvals Bill is currently under review by the Environment Select Committee, which is expected to report back to Parliament by October 18. The Bill is slated for its second reading in November and is anticipated to be passed into law before year-end.
The residential developments are being evaluated as part of the Council’s District Plan Review.
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Earlier this year, the Council submitted recommendations regarding the Bill, emphasising the importance of local knowledge and suggesting that projects not aligned with the District Plan should be disqualified.
Mayor Dan Gordon expressed his support for the Woodend Bypass but emphasised the need to address community concerns regarding the residential proposals. “We are glad to see the Woodend Bypass fast-tracked, but we will advocate for the community’s voice regarding residential projects to ensure thorough due process,” he stated.
“While growth and development are essential, it’s crucial that this growth is sustainable and integrates seamlessly with the District. The community has raised strong objections to the Ōhoka proposal, which was rejected by the Commissioners late last year.”
The Council, along with the OxfordOhoka Community Board, has actively supported community
opposition to Plan Change 31 at Ohoka, voicing concerns over drainage, transport issues, and the significant impact on the area’s rural character.
“Although the proposal is under appeal and will undergo further scrutiny with submissions on the Proposed District Plan, it’s vital that fast-tracked projects receive community backing and align with our District Plan,” he added.
While these projects are now on the schedule, their approval is not guaranteed. Once the Bill is enacted, projects must apply to the Environmental Protection Authority, where an expert panel “will evaluate them and impose relevant conditions.
The Government has confirmed that these panels will retain the authority to deny approvals, although this power may be limited due to the Bill’s provisions. CT
Information courtesy of the Waimakariri District Council: www.waimakariri.govt.nz
The Waimakariri District Council has announced that Ignite Architects, a prestigious full-service design firm, will handle the design for the new Pegasus Community Centre. Ignite Architects is known for its award-winning projects, including the Wellington Children’s Hospital and the Aotea Centre in Auckland.
Chris Brown, general manager of community and recreation, noted that the quality of proposals received was exceptional, but Ignite was ultimately selected. “We’re eager to meet with the project team in the coming weeks to learn more about their proposal,” Chris stated.
Community members may notice contractors conducting geotechnical testing on-site as early as this week. “Our immediate priority is to ensure that we accurately define the functional
requirements for the centre so it can serve the growing community for many years to come,” he added.
The proposed 400 m² multi-use facility will feature a parking area, potential for future expansion, and a designated passive youth space, with a completion target set for 2026. Chris expects a detailed design to be finalised by mid-next year.
“We have several steps to navigate in the next nine months before we can officially enter the construction phase, but this is a thrilling milestone in realising this vision,” he said.
In October 2023, the Council consulted on two possible sites for the new community centre before finalising the purchase of the lakeside land in July, following
strong community support. Funding for the project was allocated in the 2021-31 Long-Term Plan.
Information courtesy of the Waimakariri District Council: www.waimakariri.govt.nz CT
Switched On Building Solutions has been a cornerstone of excellence in facilities maintenance and commercial fit-outs in Canterbury for over 40 years. Their legacy in maintenance mahi has established a solid foundation for delivering both planned and reactive maintenance programmes that meet the high standards expected by their clients.
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Did you know that New Zealand has the highest rate of melanoma in the world? Every day, around 7 New Zealanders are diagnosed with melanoma - it’s the most serious form of skin cancer and it can quickly become deadly.1,2
That’s why MoleMap’s proven skin-mapping system is designed to detect skin cancers such as melanoma early – when it’s most treatable.3
We check.
And double-check.
With MoleMap you get two sets of expert eyes examining any moles of concern: a trained Melanographer and an experienced specialist Dermatologist.
Fewer scars. Fewer scares.
Because MoleMap can more accurately identify melanoma, there is less need to surgically remove benign (harmless) moles.1
Early detection makes a difference.
Early melanoma detection offers a up to 95% chance of survival within 5 years. That’s why it’s always worth checking.
Clinics held weekly in Rangiora, Ashburton and Timaru