Plus Living+ Magazine, North Auckland Issue #2 by Markat

FREE NORTH AUCKLAND

EDITION: 2 | 2022

Life is what you make it

A diet to desire Eating to stay healthy

A guide to ageing well

A healthy headspace

Maintaining your motivation

Embracing life at any age

Taking tangible steps towards what you want

Sizing you up 8 things people use to judge you

10 easy ways to boost your mood

Battling ageism

The slow march towards egalitarianism

SCAN QR CODE FOR

HANDS-FREE

READING

Looking for peace of mind for your investment property? Let Vertigro Property Management take the stress out of managing your rental property with a professional, personalised service that cares about you and your investment. You’re busy. We get it. Managing your investment property and keeping up with new tenancy regulations demands your attention and suddenly, it’s taking up more of your time than you’d planned for. That’s where we come in. Vertigro Property Management is focused solely on looking after your property. We care for every home as if it’s our own, and it’s our job to keep abreast of any regulatory changes so you don’t have to.

• • • • • • • • •

Call Vertigro today and get back to enjoying your life! 021 646 686 | megan@vertigro.co.nz www.vertigro.co.nz

“Megan and her team have been looking after our rental properties for over 3 years. She has been absolutely fantastic and very professional to deal with, finding excellent tenants with virtually no loss of income between tenancies. Very organised and “onto it”. Highly recommended.” A Ford

Maximum rental return Rents paid monthly The right tenant in the quickest possible time Zero tolerance for rent arrears Detailed property inspections Regular and transparent communication Single point of contact Professionalism 90-day money-back guarantee

Stress-free owners happy, valued tenants Property management is not just about collecting rent and charging a fee, there are so many more things that we do and ways we make your life easier. Below tells you a little about why Vertigro is the property manager of choice for so many property owners across the Hibiscus Coast and North Shore. Take the pressure off managing your rental property, with a team known for their proactive service, professionalism, and personal touch. With over 18 years of experience managing properties across the Hibiscus Coast and North Shore, Vertigro Property Management has developed a strong, trusted reputation within the community. We are committed to deepening our education through elite national and international training and keeping up to date with legislation changes so we can assist in gaining the highest rental return for you and your investment. Our success is marked by happy, stress-free owners and happy, valued tenants, which leads to cherished well-kept properties. We’re so confident that you’ll love our services and systems that we offer a 90-day money-back guarantee to all new clients - if you’re not satisfied with our property management services for any reason in your first 90 days, simply let us know, and if the problem can’t be resolved - we’ll refund any management fee spent with us to date.

Here’s why we think you’ll love working with Vertigro Property Management: Our tenants pay on time. We have a zero-tolerance policy for late rent payments, which tenants sign acknowledgement of as part of their tenancy agreement. Vertigro Properties have phenomenally low late payment rates (1.5%) with 98% of our tenants paying their rent on time.

Compare this to the industry standard, where 60% of agents have more than 3% of their tenants over 7 days late in rent. A reliable tenant database. Our membership to Tenancy Practice Services (TPS), a leading New Zealand tenancy training and legal database company, allows us to access both national and international background checks. They also provide weekly training on tenancy law to keep our team up to date. We use the national credit agencies Centrix and Equifax to ensure that we protect you against tenants that may try to slip through the system. So, if they’ve had bad history or left a property damaged, we’re notified prior to their approval.

Our success is marked by happy, stress-free owners and happy, valued tenants, which leads to cherished, well-kept properties.

High property occupancy rates. Each week your property sits vacant, you are losing approximately 2% of your annual rental income. We have a very low vacancy rate (1%) that consistently sits under the regional average of 3.5%. We achieve this by having our team keep track of all tenant enquiries and inspections via online booking systems, and by utilising a tenancy database system to stay up to date with pre-approved tenants who are ready to move into suitable properties. Our detailed routine inspections provide you with a detailed written report that includes photos and professional recommendations that can help achieve a higher return and updated rental market opinion. We do a touch-base inspection with new tenants at 1 month, followed by a full inspection at 12 weeks, and then every 12-14 weeks throughout the tenancy. If you would like to attend one of these routine inspections for your property, just let us know. Efficient application and leasing procedures Vertigro leases an average of 5 properties every month. How? Our streamlined online application and booking processes are designed to make it easier for prospective tenants to find and apply for properties while making efficient use of our property owner’s time.

Contents

Inside

this issue

REF#P22A1 NORTH AUCKLAND E DITION: 2 | 2022

LIVING WELL AND AGEING GRACEFULLY IN A MODERN SOCIETY

Mind over matter It seems as if there are a million sayings along the lines of ‘life is what you make it’ and every one of them falls under the guise of ‘easier said than done’. While that’s undoubtedly true when it comes to navigating the myriad of obstacles physical existence throws our way, it might not be quite as watertight when it comes to our interpretation of those things. With that in mind, this issue of Plusliving kicks off with articles about attitude – namely yours. We start with a guide to aging well entitled, funnily enough, ‘Life is what you make it’ and move onto pieces about maintaining a healthy mind, how to stay motivated, ways to boost your mood, things people use to judge you, and the ongoing battle with ageism. There’s also guides to healthy eating, self-discipline and being wise with money, plus much more. Enjoy.

Jonathantaylor

Maintaining a healthy mind

Staying motivated for life

A guide to ageing well

Easy ways to boost your mood

Battling ageism Editor

Publisher: The Job Agency T|A Markat 38 Lowe Street, Addington, Christchurch 8011 Managing Director: Gary Collins GM of Operations: Kylie Palermo Sales: Angela Elley (03) 961 5184 | sales@markat.co.nz Editor: Jonathon Taylor (03) 961 5098 | editor@markat.co.nz Art Director: Jarred Shakespeare (03) 961 5088 | jarred@markat.co.nz Production: Amber Mundy (03) 961 5075 | amber@markat.co.nz Accounts: Jo Pritchard (03) 961 5161 | accounts@markat.co.nz

4 | Plusliving+ www.plusliving.co.nz

Eating to stay healthy

Being wise with money

Eight things people use to judge you

Creating a home office that works for you

Welcome to Plusliving – the magazine dedicated to living well and ageing gracefully in modern society. Aimed at the 50+ age group, you’ll find articles covering all aspects of contemporary life, including physical health and wellbeing, mental health and acuity, home life, working life and finances, technology, travel, self-improvement and more. Our aim is to provide information anyone can use, on any given day, so you can get more out of life.

Does your company have any information or products you would like to feature in an upcoming edition of Plusliving+? Please contact us to discuss getting your business in print Disclaimer This publication is provided on the basis that The Job Agency Ltd is not responsible for the results of any actions taken on the basis of information in these articles, nor for any error or omission from these articles and that the firm is not hereby engaged in rendering advice or services. The Job Agency Ltd expressly disclaim all and any liability and responsibility to any person in respect of anything and of the consequences of anything done, or omitted to be done, by any such a person in reliance, whether wholly or partially upon the whole or any part of the contents of this publication. Advertising feature articles are classified as advertising content and as such, information contained in them is subject to the Advertising Standards Authority Codes of Practice. Contents Copyright 2020 by The Job Agency Ltd. All rights reserved. No article or advertisement may be reproduced without written permission.

???

Rodney Surgical Centre Rodney Surgical Centre is a day stay hospital in Warkworth, where you can see surgeons for oral & maxillofacial, plastic, cosmetic, skin, orthopaedics, gynaecology, urology, general and eye surgery. Nearly all of our surgeons also work for public and/or private hospitals, so they have vast experience in their respective fields. You can have your consultation, procedure and follow up done locally at Rodney Surgical Centre avoiding costly and time-consuming travel. Our world class, light-filled modern facilities are designed to provide you with the ultimate comfort and high-quality health outcomes. There is convenient, free parking for our patients onsite. As the only private hospital between Albany and Whangarei we have been making positive and sustainable difference to our local community for over 14 years. Visit our website www.rodneysurgicalcentre.co.nz or our Facebook page www.facebook.com/rodneysurgical for

patients’ testimonials, latest services offered, read about our surgeons their extensive experiences and meet our friendly professional and caring staff.

Our world class, light-filled modern facilities are designed to provide you with the ultimate comfort and high-quality health outcomes. You can email us, ring us directly, or when you are visiting your GP and you require specialist referral ask if you can have your referral sent to Rodney Surgical Centre to one of our experienced specialists. We look forward to welcoming you!

MODERN • PROFESSIONAL • LOCAL

Local residents are realising they can have day surgery done by Auckland’s top surgeons without having to travel to the city. Based in Warkworth, we provide the very best of modern medical care with plenty of convenient, free parking, so you can avoid traffic queues and waiting times.

Ask your GP if you can have it done at Rodney Surgical or call us direct. 09 425 1190 or 0800 425 007 www.rodneysurgicalcentre.co.nz • referrals@rodneysurgicalcentre.co.nz www.plusliving.co.nz Plusliving+ | 5

Dr Mutu-Grigg has been performing hip and knee replacements for over a decade. He was trained in New Zealand and received fellowship from the world-renowned University of Western Ontario in Canada. He has a specific interest in total hip replacements and uses the Mathys hip replacement, which is the ultimate in Swiss engineering. For his knee replacements he uses 3rd generation computer navigation system during surgery to make sure your knee is placed within 0.5 degrees of perfect. If you have pain in your hip or your knee, don’t continue to suffer, make an appointment to get your life back on track today!

Dr John Mutu-Grigg BHB, MBChB, FRACS Orthopaedic Hip and Knee Replacement Surgeon

POSITIONS HELD •

New Zealand Orthopaedic Association (NZOA) Council

•

NZOA Speciality Orthopaedic Training Board

•

NZOA Education Committee

•

Ngā Rata Kōiwi (Māori Orthopaedic Surgeons) Chair

•

Royal Australasian College of Surgeons - Indigenous Health Committee

•

Royal Australasian College of Surgeons - Māori Health Advisory Group - Chair

•

Australia New Zealand Jour nal of Surgery Specialty Editor

Call Auckland Orthopaedic Surgeons: 09 280 3344 or Email: amanda@aklorthopaedics.co.nz 6 | Plusliving+ www.plusliving.co.nz

New and pre-loved caravans and motorhomes for sale. 2,000m2 retail shop stocking over 5,000 parts and accessories. On-site, 24 bay, workshop for professional renovations, alterations and installation of accessories. www.rvshop.co.nz for online parts and accessories purchases.

0800 278 479 | www.rvmega.co.nz Open 7 days | 101 Hewletts Rd, Mount Maunganui

www.plusliving.co.nz Plusliving+ | 7

Wellbeing

– a guide to ageing well Through our daily exposure to today’s array of information and communication, we are inundated with messages about the merits of ageing well and the processes we can follow to ensure we realise our potential at any age. The concept of ageing well can be perceived in a cosmetic sense, conjuring up images of anti-wrinkle remedies and the revolutionary youth serums which purportedly stall the physical metamorphosis we undergo as part of our evolutionary existence. It’s a lucrative industry selling youth; one which has no expiration date, because the ‘youth in a bottle’ market and everything it encompasses will have life for as long as humans walk the earth and their desire for a life of longevity exists. But ageing well in life cannot be taken at face value alone. Because while the restorative properties of age reversal potions and practises may bring skindeep satisfaction to our lives, ageing well in a holistic sense is what fulfils us in mind, body and soul.

Wise up We have heard the supposition ‘wisdom comes with age,’ time and time again. It is a proclamation that suggests our wisdom well is fuller when our eyes, minds and hearts have absorbed a lifetime worth of knowledge and are more in tune with the way of the world.

8 | Plusliving+ www.plusliving.co.nz

There is much to be said for and learned from the valuable hindsight that belongs to those who have experienced life, although it is important to utilise what intellectual capacity we have now to create a plan to age well. For life’s greatest pearls of wisdom may well be reserved for a moment in time beyond our immediate reach, but making age well plans requires the application of today’s wisdom while the wisdom of tomorrow still belongs to the future.

A plan to age well We spend our lives planning. Plans are personal maps for life which we formulate to help us reach milestones, fulfil ambitions and complete tasks effectively. And while a life plan may not grant us immunity from the serendipitous way of the world, the protection, security and direction afforded to us by having a strategic plan, can only contribute to a life of longevity. There is no dictionary definition for ageing well, no textbook manual open for our consultation. Ageing well cannot be mimicked or even learned from others because while peers and family may be able to offer suggestive guidance, our unique genetic blueprint means how we define ageing well and go about it, will require a personal touch. Therefore, a definitive list of steps for entering elder-hood and working towards a life of longevity cannot be given, but recommendations for areas of focus can be provided to help you on your journey.

Wellbeing And like adventure at any age, your physical, emotional and spiritual values should be your guiding intuition.

Sleep is also as important to our health as diet and exercise – without it we cannot function properly and may even become ill.

Physical health

We know when we sleep, our bodies rest – conserving energy and decreasing blood pressure, heart rate, breathing and body temperature, but our brains remain active – laying down memory, restoring daytime mental function and carrying out tasks that lead to physical growth.

We can all remember the physical liberation attached to being young and ailment free. And while it becomes harder to reverse or right the physical wrongs we have committed as the years pass us by, if we are consistent throughout life and honour a balanced and physical lifestyle, we can continue to experience the physical autonomy gifted in youth.

The physical benefits of a balanced diet are also well documented, which is directly associated with healthy ageing.

The saying, “you are only as old as you feel” is applicable to the exercise equation because beyond the aesthetic merits of staying active, physical exercise is also an elixir for staying young in mind and spirit.

When entering any era in which our life profoundly changes, we need to get emotional – in an intuitive sense.

As a combatant for what ails you, the positive effects of a physical lifestyle are further increased with the adoption of other physical practises. In order to beat stress effectively you need to have a grab-bag of antistressing tools that you use often and proactively before your body’s stress response fully kicks in. The more anti-stressing tools you can learn the better.

Emotional health

As we get older and life presents us with new emotional challenges, understanding our emotional needs and feelings and catering to these, is as importance to our wellbeing as maintaining physical health. Ageing well emotionally is like a quality of life initiative; the different realms of quality of life include physical, mental, social and spiritual factors. Instead of reinventing the wheel, ageing well can be about maintaining what is working now for you and what has worked before in those specific domains and then adapting those to the appropriate age context. Looking after mental health is incredibly important during our latter years in life and older age is most commonly the time in which people reach out to mental health workers or a social network. Grief, dementia and physical, mental or social loss can be the catalyst for seeking out the support and assistance of others and it is in the process of seeking this assistance that people find renewed strength and direction. In conjunction with seeking advice and emotional support from social networks and support systems, following a plan for ageing well emotionally can also involve taking a psychotherapeutic approach through cognitive behavioral therapy. Getting out and about, staying active, having good hygiene and fitness as well as following regular sleeping patterns are all related to this. Asking the existential questions in life, such as: “Who am I? Where am I going? What do I want from my life?” also benefits people’s emotional health and understanding of themselves, as does seeking out the guidance of spiritualists who are open to different denominations and people.

In conclusion Life is what you make it. Plan for tomorrow, live for today and seek out the support of any of the following organisations to guide you as you age well physically, emotionally and spiritually throughout life.

www.plusliving.co.nz Plusliving+ | 9

Wellbeing

A healthyheadspace It is a topic that remained dormant in our society for many years. Silent whispers were exchanged behind closed doors, but the taboo stigma of the subject meant cries for help were ignored or never voiced. Today, thankfully, the subject of mental health is embraced by society. Campaigns, organisations and the media seek to educate and create public awareness and understanding about the importance of maintaining mental health.

What is mental health and how do we define it? The World Health Organisation says, “Mental Health refers to a broad array of activities directly or indirectly related to the mental wellbeing component and includes – a state of complete physical, mental and social wellbeing, and not merely the absence of disease”.

Embracing life at any age For older citizens, mental health can still be a difficult subject to broach as old fears or memories attached to dated mental health care and stigmas resurface, making it difficult for them to express their concern. But with people progressively living longer in life, it is becoming increasingly important to look after our mental health because we are seeing retirees living for another 20 or 30 years after they cross the retirement threshold. Mental health care starts with keeping in touch with those who provide our physical health care. Be ready to say to your doctor you would like to spend more than the usual 10 minutes allotted so you can address any emotional issues with them. Simple strategies like taking notice of what is around you, learning new things, being physically and mentally active and even smiling are all important for mental health. Nutrition and exercise also contribute to healthy bodies and general practitioners can suggest where to get advice on healthy eating.

As we grow older, our mental health may be something we become more consciously aware of.

Maintaining dental care and having regular hearing and vision checks is also important as well as attending podiatry consultations.

Life’s little distractions, in the form of domestic duties, employment and an active social calendar may no longer demand as much of our time and therefore we are left to ponder a new direction.

A significant part of being mentally well is also about nourishing our spirit.

And while this is not always the case, the transition into retirement can mark the beginning of a new era, in which we are offered back the independence we exchanged earlier on in life for the responsibilities attached to family and work.

Whether or not this is associated with a religious order, it is another factor that can make us less vulnerable to depression. Music, painting, poetry and other forms of art fill a need in many people’s lives. For some, there is a feeling of peace and happiness in working in a garden or walking on a deserted beach.

The liberties attached to this recovered freedom can open new doors and present fresh opportunities, but they can also leave us feeling somewhat lost and overwhelmed.

We do not stop growing as we age and it is up to us to recognise and seek out the people and activities that help us grow more vigorously and with greater joy.

It is at these times that our mental health may potentially suffer and we need to look at ways in which we can mitigate such feelings of loss or uncertainty.

Social support from friends, family and medical experts can all provide a buffer against mental illnesses like depression and having a support system in place can offer a sense of security and belonging.

10 | Plusliving+ www.plusliving.co.nz

Life & Style

Lifestyles

Colony Pendant Designed by Alex Buckman in Wellington, the Colony Pendant is made out of CNC machined aluminium surrounding an LED component. This award-winning 3D-printed shade, consisting of geometric shapes, will wow whether it’s lit or dormant.

Zig Zag 120 Wall Storage

RRP: $390

The Zig Zag wall unit is a modern storage solution to anything you’d like to showcase in your home – books, plants or whatever your heart desires. Made out of white and natural oak and created right here in New Zealand, the Zig Zag shelf and wall storage is available in Danske Mobler stores late September.

www.alexbuckman.com

DeLonghi La Specialista Manual Coffee Machine in Red The La Specialista brings barista quality coffee to your kitchen. The sleek and modern design packs a powerhouse punch, with sensor grinding technology and active temperature control so your coffee is made to perfection for the best extraction. The advanced latte system lets you choose between hot milk or frothy milk.

RRP: $2,249 www.danskemobler.co.nz

RRP: $929.99

Mexican Matrimonial Hammock

www.delonghi.com

This two-person, handwoven net hammock uses a traditional Mexican weave for a supportive and comfortable experience. Woven in Yucatán, Mexico, the open net ensures airflow, especially when lounging during sweltering hot days. RRP: FROM $139.95 www.hammockshop.co.nz

Oakly Hall Table This new contemporary table from Danske Mobler released post-lockdown is made from solid and veneer oak with a clear lacquer finish and matte black legs. This stylish rendition of a hall table comes from the Oakley line, where it was made here in New Zealand at Danske Mobler’s Mt Eden factory. RRP: $2,099 www.danskemobler.co.nz

DISCLAIMER: Please note prices listed here are recommended retail pricing. Prices are subject to change at the discretion of the seller. The information on this page is for information purposes only. The Job Agency Ltd T|A Markat assumes no liability or responsibility for any inaccurate, delayed or incomplete information, nor for any actions taken in reliance thereon.

www.plusliving.co.nz Plusliving+ | 11

Self-Improvement

Maintaining your motivation

Staying motivated in your daily life can be tough even when you’re having a good time. Balancing work, relationships and social obligations, as well as your personal goals can be a daunting task. Combine that with the wonders of the internet and Netflix at your fingers, and it’s a wonder that anything gets done. Before delving into how to stay motivated and focused, it’s important to note that you as a person are not defined by your productivity or how well you accomplish your personal goals.

Everyone is worthy of existing and taking a break. Breathing room and giving yourself rest and recreation is one way to stay your most motivated. At the end of the day when you close your eyes, where do you want to be? What do you want to do with your time here? These questions are hard to think about, but keeping them near the front of your mind will help guide you in the direction of how you want to live your life. Whether you want to further your career or you want to dive headfirst into your hobby, you want to make sure you’re not filled with regret when you near life’s finish line.

Base goals on what you want, not on what you think you should want Often times, our loved ones pressure you into goals that aren’t necessarily what we want. You have to make sure that the goal that you set for yourself is one that you want to attain. Just because your grandad always wanted you to be a doctor doesn’t mean you have to be. If you’re going to spend all this energy going after something, make sure it’s something you want, that’ll make you fulfilled and happy.

Break down your goal into manageable tasks When you look at what you want to accomplish, sometimes the whole idea can seem insurmountable. However, nothing is ever built overnight. Breaking down what you want to do into smaller tasks with deadlines will help you accomplish them since they won’t feel so unachievable.

12 | Plusliving+ www.plusliving.co.nz

For example, if you want to start playing the piano, start out with the goal that you’ll learn a few chords to start with. That way they can add up, and when you look back, you’ll see you actually accomplished a lot.

Share your goal with others Share what you’re doing with a few loved ones to keep yourself accountable. Telling them you’re starting your novel is one way to make it a tangible thing – by saying you’re going to do something, you have already put the wheels into motion. That way, they can also check in with you and keep you motivated. Positive reinforcement always trumps negative reinforcement.

Look to others that do what you love Seeing the skill and artistry others have accomplished is a great way to stay hungry for your goal and give you something to strive for. For example, if you want to start roller skating, viewing YouTube videos of people doing different styles of roller skating you’re interested in – jam skating, skate park skating or roller derby – can motivate you to work harder. Be careful not to compare yourself to others. Everyone works at their own pace, and just because you’re not at someone else’s level yet doesn’t mean you’re bad at what you do. Keep at it! At the end of the day, we all want to live a life we can be proud of. Taking tangible steps, even small ones, towards the life we want is a sure-fire way to be more satisfied with our place on earth.

Wellbeing

Seven ways to improve your self-discipline

Finding success – be it professionally or personally – requires discipline. This is the actual personal disciplines of self-control, correctness, values, ethics, courage, character and purpose. Personal discipline is the path to improving our own performance. Self-discipline develops self-control and character, resulting in an orderly and efficient work and home life. It is discipline, not just desire, which determines success. Discipline is necessary to set and achieve goals. If we have the discipline to do, to act, to listen and to constantly seek ways to improve, we will achieve far greater success in our lives. Focused goal setting on results you really want to achieve is the key. Achieving your clarified and specific goals through being disciplined will give you a more orderly, confident and stress-free work life. As a bonus, productivity will improve and you will also demonstrate a positive impact on others. Attitudes are caught, not taught!

BikeMe

BikeMe is a bicycle and adult scooter shop in Orewa, on Auckland’s Hibiscus Coast.

We carry a number of well known bicycle brands such as Avanti, Scott, Merida, Marin, Norco, Calkhoff, Focus, Cannondale and GT Bicycles. We cater for all tastes, from road and mountain bikes to BMX and kid’s bikes.We also stock a wide range of bicycle accessories such as bike components, saddles, stems and seat posts, helmets, gloves, lights, chains, pedals, tyres and locks, from top manufacturers like Shimano, SRAM, Campagnolo, Ritchey, Easton, Topeak, Giro and Bell.

No one should be without a bike as cycling is a great way to experience all New Zealand offers. We have a range of bicycles to cater for everyone’s enjoyment and we’ll endeavour to meet all your needs.

7 steps to developing discipline in your work life 1

Determine and prioritise your work goals. Know what you want to achieve. Write it down. Be specific, measurable, achievable, relevant, and timely.

List your reasons for the goal. What am I doing and why am I doing this? What will I possibly gain from achieving this goal? Why is it important?

Identify any issues or obstacles. Anticipate road blocks that might work against you.

Develop new behaviours. Put in place new behaviours such as using your Outlook as a contact planner. Drink plenty of water every day. Practise reflection.

Have courage – courage to commit to the goals and their achievement.

Be ethical. Treat others as you want to be treated. Use strength based language. Praise publicly and criticise privately.

Stay focussed. Read and review your goals daily. Don’t be despondent if you miss one or two. Just reset them and refocus. Don’t give up! Be persistent and diligent.

The price of discipline is always less than the pain of regret.

Latest Rims • Heaps of Accessories Huge range of Bikes • Stylish Helmets Funky Scooters • Fully equipped Services

We provide professional bicycle service and upgrades. We service all model bikes: road bikes, mountain bikes, BMX or kids bikes and have a fully functioning workshop on our premises to carry out any kind of bicycle repair. You can also rent a bike from us to enjoy Orewa Beach, one of New Zealand’s finest. Come on in and browse our huge range of bikes and accessories. We are always ready and willing to help you with any advice you may need.

292 Hibiscus Coast Highway, Orewa

P: 421 1200 M: 021 369 059 E: bikemeorewa@gmail.com www.bikeme.co.nz www.plusliving.co.nz Plusliving+ | 13

Stephanie’s Journey at

Care On Call

Stephanie has been with Care On Call for six years, starting off as a caregiver and now working as a care coordinator. She believes her job is truly rewarding as she can make a real difference in people’s lives. Today she shares her story and some memorable moments as a caregiver. “For me, I always knew that I wanted to help others. I’d been cleaning houses and caring for children for around 11 years when I decided I needed more of a challenge. I always had a passion to work with those suffering from health-related issues in more of a caring role.” Stephanie says her job has been inspiring knowing that every day she can make a positive impact on the life of her clients and their families. “You discover there are always people struggling with larger problems than yourself. I’ve learnt to focus on what’s important in life and developed a real appreciation for good health and preventative action.” Stephanie started at Care On Call as a caregiver in 2016. Her clients came from all walks of life with a range of health-related conditions, but were always happy to see her.

I’ve learnt to focus on what’s important in life and developed a real appreciation for good health and preventative action.

“A memory that will stick with me forever is when I visited one of my elderly clients on a rainy day. I was cleaning the bathroom and she approached me, tapping my shoulder. She was unable to speak, making hand movements pointing to her neck and head. I knew something wasn’t right so I ushered her into the lounge, assisted her to the ground and put her on her side. Within seconds, she began having a seizure. I called an ambulance immediately and stayed by her side until it arrived. Once she was in safe hands, I called the office to let them know what had happened. The coordinators were amazing – they gave me the rest of the day off and offered counselling, before calling back in the afternoon to

14 | Plusliving+ www.plusliving.co.nz

They actively encourage you to study, offering free courses to give you a broader range of skills to suit higher needs clients as you progress

check in on me. My client had epilepsy and had forgotten to take her medication on that particular day. Had I not been there, who knows what would’ve happened. She spent a night in hospital and returned home the next day, extremely grateful for my help. I’m so glad I was there when she really needed it.” For Stephanie, joining Care On Call was one of the best decisions she’s made, and working for them only makes her want to keep going. “They actively encourage you to study, offering free courses to give you a broader range of skills to suit higher needs clients as you progress.” In 2017, Stephanie transferred into the office as a care coordinator. “I work with a great team and we have some amazing caregivers. I’m still able to keep in touch with my clients, and I have a strong understanding of what the caregivers go through.” Stephanie says the role is certainly busy and has its challenges, but that only makes it more fulfilling and worthwhile.

Care On Call provide a range of tailored in-home care services for people of all ages, 24 hours a day, 365 days a year, throughout New Zealand. We support you to maximise your quality of life within your own familiar surroundings.

Care On Call provides: Home help & companionship Personal Care Overnight & 24-hour care Respite Care Serious Injury Support Dementia Care Palliative Care

Self-Improvement

easy ways to boost your mood

Even the most optimistic people can use a mood boost every once in a while. Taking an extra moment for yourself will make your day brighter and give you a healthier outlook on life. Here are 10 simple ways you can bring a little happiness into your life right now: 1 Go for a walk Just a little bit of exercise can boost your mood and give you a fresh perspective on problems that have been bothering you.

Give it a rest

Ditch late-night screen time and head to bed earlier. Increasing your amount of sleep can reduce your stress level and leave you feeling energised to tackle your day when you wake up.

Thank someone

Acknowledge something that someone has done for you and send a note or a small bouquet of flowers. You’ll put a smile on their face and yours.

Compliment a stranger

Tell someone that you like something that they have and you’re guaranteed to brighten their day. Seeing good things in others will help you start to see good things in yourself.

16 | Plusliving+ www.plusliving.co.nz

Plan a vacation

Getting bogged down with our daily routines can send us into a rut, causing us to look at things negatively. Booking a trip near or far away will give you something to look forward to, and the break from your normal routine will help you to see your life a little more clearly.

Buy something silly

After all, laughter is the best medicine. Pick up something that makes you laugh like a funny picture, book, magazine, or a movie. Giving yourself time to laugh boosts feel-good endorphins.

Get a massage

Your neck and back will thank you and you’ll feel relaxed the rest of the day – and then some.

Wear your favourite colour

Have a passion for red? Love cool blues? Wear your favourite colour and you’ll walk a little taller and smile throughout the day.

Tackle a problem

Boost your confidence by completing a particularly hard crossword or Sudoku puzzle. Maximizing your brain power and doing something challenging will help you to have a more confident outlook on life.

10 Model behaviour Take a photo of yourself doing something you enjoy, like roller skating, skiing, swimming, playing an instrument, or being with friends and family. Place the picture on your desk to remind yourself that you lead an amazing life and have lots to be happy about.

We’re all about revitalising the ageing experience, so that you can live your best life every step of the way. Learn more at arvida.co.nz

www.plusliving.co.nz Plusliving+ | 17

Healthy Living

A diet to desire

– Eating to stay healthy

An apple a day keeps the doctor away – it’s an old saying, but there is more than a hint of truth in it. What you eat has a huge impact on your ability to fight off bugs and infections during the winter months. Older people and children need to pay special attention to what they eat during the winter, as they are particularly vulnerable. However, quality, availability and variety of fresh food can be an issue in winter. In cold weather, people can be less inclined to eat salads or raw fruit, but there are some cheap and simple steps you can take to make sure you keep your vitamin and mineral uptake up even during these months.

Start the day with breakfast To get your energy levels up in the morning it is vital to have a good breakfast. Great ideas for warming winter breakfasts include baked beans or a poached egg on toast, a simple veggie omelette, or porridge with fresh, dried, stewed or canned fruit. If using canned fruit, try to buy fruit in its own juice rather than syrup, and try to keep additional sugar to a minimum if you stew your own fruit.

Keep eating vegetables and fruit The recommended intake for vegetables and fruit is five servings a day (three vegetables and two fruit). These vital foods provide us with heaps of vitamins and fibre, as well as antioxidants and phytochemicals which have anti-viral and anti-bacterial properties. To keep your meals affordable, look for vegetables that are in season. Great winter vegetables include carrots, cabbage, cauliflower, pumpkin, yams, kumara and broccoli. Frozen and canned vegetables and fruit can also be great alternatives to fresh food during the winter, so keep plenty on hand. Look for those with no added sugar or salt where possible.

Cook comforting winter casseroles Casseroles are fantastic for keeping you warm during winter and are great for feeding a family on a budget. Look to invest in a slow cooker – cheaper cuts of meat work well when cooked slowly and there is nothing to rival the smell of a home cooked casserole as you walk through the door at the end of the day. You can put almost anything in a casserole, but try to add lots of root vegetables and tinned tomatoes and keep the extra fat used to a minimum. Mustard and Worcestershire sauce can give a real flavour kick and canned kidney beans or chick peas added near the end of cooking add great texture and taste to a dish.

18 | Plusliving+ www.plusliving.co.nz

Soup, soup, soup! Soup is the ultimate ‘meal in a bowl’. Choose a favourite recipe and make a big batch over the weekend, then freeze individual portions for lunches during the week. Look to spice up traditional recipes by adding lentils, small pasta or pearl barley – they will give great texture and flavour to your dish, as well as making it go further. Pureed or textured, there is nothing more comforting than a steaming bowl of soup served with crusty bread, pita bread or toast.

Curried Kumara Soup 1 tsp oil 2 medium onions, peeled and chopped 1 tsp minced garlic 1 tbsp curry powder or red curry paste 2 medium orange kumara, peeled and chopped 4 cups chicken stock 2/3 cup evaporated milk Heat the oil in a large saucepan. Add onion and garlic and stir over a medium heat until the onion softens. Add curry powder or red curry paste and cook for a further 1-2 minutes. Add kumara and chicken stock and simmer for 10 minutes or until the kumara is soft. Puree the mixture, add evaporated milk and heat through without bringing to the boil. Adjust the seasonings to taste. Serving suggestion: serve sprinkled with chopped fresh coriander or parsley.

Easy Minestrone Soup ¾ cup (135g) pasta spirals or shells 1 large onion, peeled and chopped 6 cups chicken stock 1 x 500ml jar tomato pasta sauce ½ tsp dried oregano 1 tbsp sugar 1 cup pumpkin, peeled and chopped 1 large potato, peeled and chopped 1 large carrot, scrubbed and chopped 1 cup frozen peas, thawed 1 x 425g 4 bean mix, or red kidney beans (drained) 2 tbsp fresh parsley, chopped Combine pasta, onion, chicken stock, pasta sauce, oregano, sugar, pumpkin, potato and carrot in a saucepan. Boil uncovered for 15 minutes. Add peas and 4 bean mix and cook uncovered for 10 minutes. Add parsley, stir until hot. Serving suggestion: serve sprinkled with parmesan or grated tasty cheese and bread.

Experts in natural looking smiles...

We offer a complete range of denture services: Full/complete dentures Acrylic and metal partial dentures Same day reline and repairs Tooth additions and professional denture cleaning Call us now for a FREE no obligation consultation

09-479-2220

thedenturecentre@outlook.co.nz

45 Clyde Road, Browns Bay, North Shore, Auckland 0630 www.plusliving.co.nz Plusliving+ | 19

Updating your wills and do you have enduring powers of attorney ? It is important to look at your wills and to consider whether they need updating. For example, who have you appointed as your trustee and executor? Are they still alive or capable of administering your estate? Have any of your beneficiaries in your will predeceased you? It is a good idea to spend a little bit of time reviewing what your current will says particularly if you have not looked at it for several years and in some cases even decades. Do you need to update instructions about burial and/or cremation? Have you thought about family and friends who have provided you with assistance and made provision for them in your estate, by giving them a reward and/or a gift? A will provides clear instructions for your executor and can be of great benefit to them when tasked with dealing with your estate. A very clear and concise will can also significantly reduce the cost of administration. We can certainly help you if this is something that you may wish to discuss and get some advice on.

A will provides clear instructions for your executor and can be of great benefit to them when tasked with dealing with your estate. A very clear and concise will can also significantly reduce the cost of administration.

An enduring power of attorney is a document which allows you to be looked after should for any reason you lose capacity. The decision about whether you have lost capacity is one that is made by a medical practitioner and not by your attorney. You can provide very clear instructions for your attorney and in the document provide them with guidance and assistance if you believe it is necessary. In respect of property, you can have two people and in respect of care and welfare only one. It is important to think about appointing substitute attorneys, should you outlive your first choice.

20 | Plusliving+ www.plusliving.co.nz

But the most important thing to remember is that without such a document in place in relation to your property and personal care and welfare your family could be faced with considerable cost in having to go to the Family Court to have managers appointed in respect of both roles. Those appointments remain in effect for three years and must be renewed. The applications must be filed and considered by a Family Court Judge and with the appointment of a lawyer to act for you. The property manager must annually prepare a report which is audited by Public Trust at some cost. And all of which could have been avoided if you had gone and spoken to us about drawing up an Enduring Power of Attorney. The cost of which is considerably less than what would be paid if an application were required. Again, we are more than happy to discuss with you up and draw up the documents which will give you and your family peace of mind.

PRACTICAL, PRAGMATIC & PROFESSIONAL

Trusted

Committed to unparalleled service and client satisfaction Whether you are a private individual, small business, or corporate organisation; we have significant specialist experience and strong backgrounds in various areas of the law, to be able to assist you.

LEGAL SERVICES ASSET PROTECTION • CIVIL LITIGATION CONVEYANCING • FAMILY LAW ELDERLY LAW • RELATIONSHIP PROPERTY LAW

www.kennellylaw.co.nz kennelly@kennellylaw.co.nz

CALL NOW 09 426 8301

LEVEL 1 / 12 TAMARIKI AVENUE, OREWA, HIBISCUS COAST, AUCKLAND 0931 www.plusliving.co.nz Plusliving+ | 21

Behaviour

Sizing you up

Eight things people use to judge you The human brain is hardwired to judge. This survival mechanism makes it very hard to meet someone without evaluating and interpreting their behaviour.

While we tend to think that our judgments are based on the content of conversations and other obvious behaviours, the research says otherwise. In fact, the majority of our judgments are focused on smaller, subtler things, such as handshakes and body language. We often form complete opinions about people based solely on these behaviours.

in you is a strong personality indicator. People who only talk about themselves tend to be loud, self-absorbed ‘takers’. People who only ask questions and share little about themselves are usually quiet, humble ‘givers’. Those who strike a nice balance of give-and-take are reciprocators and good conversationalists.

Your handshake - It’s common for people to associate a weak

How you treat others - How you treat others, especially support

handshake with a lack of confidence and an overall lackadaisical attitude. A firm handshake is associated with being less shy, less neurotic and more extroverted.

How often you check your phone - There’s nothing more

Tardiness - Showing up late leads people to think that you lack

and service people, is so indicative of your makeup that it has become a widely used way to assess someone’s personality.

frustrating than someone pulling out their phone mid-conversation. Doing so conveys a lack of respect, attention, listening skills, and willpower.

respect and tend to procrastinate, as well as being lazy or disinterested.

Repetitive, nervous habits - Touching your nails or face or

to relate your handwriting to your personality. Bottom line – the research is inconclusive at best when it comes to handwriting and personality.

picking at your skin typically indicates that you’re nervous, overwhelmed, and not in control. Research suggests these nervous habits are indicative of a perfectionistic personality, and that perfectionists are more likely to engage in these habits when they’re frustrated or bored.

How long you take to ask questions - Ever had a

conversation with someone where they talked about themselves the entire time? The amount of time someone allows to pass before they take an interest

22 | Plusliving+ www.plusliving.co.nz

Handwriting - There are all manner of false stereotypes attempting

Eye contact - The key to eye contact is balance. While it’s important to

maintain eye contact, doing so 100 percent of the time is perceived as aggressive and creepy. At the same time, if you only maintain eye contact for a small portion of the conversation, you’ll come across as disinterested, shy, or embarrassed. Maintaining eye contact for roughly 60 percent of a conversation strikes the right balance and makes you come across as interested, friendly, and trustworthy.

KEEP IT CLEAN THE ECO WAY. We clean Ovens, BBQs, Rangehoods and cooktops (if you can cook on it we can clean it)

• No mess, No fuss, No fumes • No harsh caustic and toxic chemicals • No need to leave your home • Use your clean oven right away • No huge expense All our technicians are thoroughly trained and security checked and take pride in their work.

K www.loven.co.nz | k info@loven.co.nz

FREEPHONE 0800 683 626 OR 021 904 882 LOVEN SERVICE IS AUCKLAND WIDE, HAMILTON, TE AWAMUTU, CAMBRIDGE AND SURROUNDING AREAS, TAURANGA, AND CHRISTCHURCH WIDE. www.plusliving.co.nz Plusliving+ | 23

???

Simpson Western

Simpson Western acknowledges the stress families go through when a loved one loses capacity and is no longer able to manage their own personal and property affairs.

Enduring Powers of Attorney (EPA) What is an EPA? An EPA is a legal document under which you may appoint a specific person or persons (attorney) to manage your affairs and make decisions for you if you lose your capacity.

Can an EPA be contested? Yes. If the appointed attorney(s) is not acting in the best interests of the donor, then the concerned party can apply to the Family Court to have the attorney(s) appointment reviewed/discharged. What if there are no EPAs? In the event your loved one loses capacity and has not appointed an attorney, this will result in the need for applications to the Family Court (under the Protection of Personal and Property Rights Act 1988 (PPPR)). Someone (or people) can be appointed by the Court to manage their personal and/or property affairs.

Who should have an EPA? Everyone over 18 years old.

Are your obligations different as a EPA as opposed to those under a PPPR Order? Yes.

Loss of capacity includes age-related illness such as dementia as well as temporary incapacity, for example an accident resulting in a coma. EPAs can only be signed while the donor is mentally capable, so must be signed before they are needed. Without an EPA, your spouse or next of kin cannot automatically make decisions for you if you lose capacity.

Those who are appointed as a property manager pursuant to PPPR Orders will have an obligation to complete financial reports for the Court on an annual basis (at least). EPAs can include conditions requiring your attorney to report to or consult with any other person(s) you name in your EPA, but these conditions are optional.

What decisions can my attorney make for me? There are two types of EPA: Property and Personal Care and Welfare. Decisions regarding your property could include: • accessing cash held in your bank accounts; • buying or selling any houses or real property you own; • dealing with third party companies to arrange bill payments. Unless your EPA states otherwise, your attorney cannot use your property to benefit themselves or any other person unless specifically authorised by you. Decisions regarding your personal care and welfare could include: • a permanent change to where you live; • entering into residential care; • consenting to a major medical procedure. It is important that you trust whoever you appoint as your attorney implicitly, at all times your attorney must keep your best interests as their paramount consideration in whatever they do.

24 | Plusliving+ www.plusliving.co.nz

PPPR Orders are reviewed by the Court every three years initially. EPAs are not reviewed by the Court. How much does this cost? Preparing EPAs is the significantly cheaper and simpler option. Going to Court to have PPPR Applications decided is a much more expensive (financially, timely and emotionally) process. However, when this is required, we work hard to be as cost effective and efficient as possible.

We’re here to help We regularly assist our clients by: • Giving clients initial advice regarding EPA and PPPR related matters • Preparing EPAs • Preparing court documents • Guiding you through the Family Court processes • Negotiating settlements We endeavour to make the process as smooth and efficient as possible.

??? simpsonwestern.co.nz

Our lawyers will help you weather the storm and are just a call, email or stroll away. TAKAPUNA Level 3, Takapuna Finance Centre, 159 Hurstmere Road. Tel. 09 486 3058 SILVERDALE Cnr Millwater Parkway & Polarity Rise. Tel. 09 421 0559 hello@simpsonwestern.co.nz

www.plusliving.co.nz Plusliving+ | 25

Society

Battling ageism While we are progressively moving towards being a more engaging and accepting society, the existence of certain prejudices within our communities continues to threaten social equality and stifle the opportunity for an egalitarian environment. Discrimination towards marginalised groups, subcultures and identities within society is not new. And while social acceptance is growing and playing its role as a social moderator in New Zealand, as a collective and united body of people we are yet to address and defeat an age-old discrimination.

An age-old issue Ageism, or prejudice towards the elderly is detrimental to our living history; those who represent the wise and courageous individuals who fought for our liberation and voted for our own equality. In the workplace, on the street or in our social institutions, ageism is ubiquitous. In the most obvious sense, ostracising someone because of their age is a breach of the basic rights which should be afforded to all members of a democratic society, the environments in which ageism is manifested, are a catalyst for further inequality. Ageism can manifest itself in many ways. Sometimes its direct and other times its through ignorance and throwaway comments. Intentional or not, such comments can be hurtful. However, New Zealanders can address this issue, stop it in its tracks, and uphold the rights of the elderly – this must be everyone’s central concern.

Intentional or not, such comments can be hurtful. However, New Zealanders can address this issue, stop it in its tracks, and uphold the rights of the elderly – this must be everyone’s central concern.

Studying society There have been various studies conducted to address and measure the presence of ageist attitudes within society. A 2006 research report commissioned by the New Zealand Rights Commission was undertaken by University of Auckland business school professor Marie Wilson and student Jordan Kan. Wilson and Kan attested that age-based stereotypes distort employment markets and affect perception about the employability, skills and competency of older works. To legitimise the validity of this admission, Wilson and Kan conducted a field experiment where simulation and interviews were used to “assess the selection process from multiple perspectives and enable a thorough consideration of both the process and outcome of recruitment and selection decisions”. Young and older candidates were included in this study and the subsequent results were summarised in a report, Barriers to entry for the older worker. This report confirmed that younger workers were perceived by employers as being more suitable candidates for employment opportunities although older people had a plethora of unique skills to offer. “Age-based discrimination undermines both personal and national productivity and limits the growth and productive capacity of firms... The assumptions behind age-based discrimination are largely false as well; older workers are not less adaptable, often possess rare and complex intellectual capital, provide longer and more reliable service to their employers and have fewer accidents, injuries and occasion fewer workplaces losses than their younger and often more expensive colleagues.”

Addressing ageism While ageism is on the social issues radar, prevalence is hard to determine as victims of age-based discrimination may not articulate their concerns; meaning it is difficult to develop a definitive understanding about the scale of the issue. When people are committing ageism, many of these offences can be readily identified by listening to general conversation as they are often quite overt acts. Once identified, ageism can be dealt with through education. Victims of ageism can also seek out support on their own accord through organisations like Age Concern. Age Concern focuses on advancing positive ageing and the wellbeing of older people. The organisation endeavours to assist older people who are subjected to ageist attitudes. Addressing and eradicating ageist ideologies is not just about reducing inequality. The wealth of experience and skills possessed by the elderly often go unrecognised although they are invaluable to the betterment of society. It is on the moral conscience of our nation to address this problem through understanding and support. If you or anyone you know is a victim of ageism you can contact Age Concern by logging on to www.ageconcern.org.nz. This website contains a list of regional office numbers you can ring. Alternatively, talk to a friend or family member who can help you address this issue.

26 | Plusliving+ www.plusliving.co.nz

Who cancan you tryou ust with your hearing? Who trust with your hearing? It seems that these days, you can buy hearing aids in lots of places: before long they will be on the shelves in supermarkets! There is also lots of hype about buying top-of-the-range hearing aid technology at bargain prices. However, most people will agree that in this life, you get what you pay for; and hearing healthcare very much follows this mantra.

Hear Again have over 35 years experience of helping people overcome their hearing difficulties. From a simple check to see if your ears are blocked with wax, to the provision and fine tuning of the very latest hearing devices from the worlds leading hearing aid manufacturers; the Kiwi owned, friendly team are here to help, even if you need to be seen on a weekend.

Overcoming a hearing loss is not simply a matter of

We believe in giving you options. As we are 100% fully

It seems that these days, you can buy difference in overall quality. These aids can to many different hearing aid brands and buying aids some hearing aids.before Thelong very best hearing aids we have manyimpartial different hearing hearing in lots of places: be life changing if theyindependent, are suited to your canaccess give youto honest, advice. The they will be on thegive shelves in supermarkets! hearing lossset andup set upaid optimally. provide impartial you with advice. are not available can a terrible result if they are not brands and cansolutions give youwehonest, There is also of or hypeare about buying locked oryou exclusive us, so youlocked are ableor to correctly forlots you unsuitable for your needs. The solutions we provide withtoare not top-of-the-range hearing aid technology The one factor that does massively have them serviced anywhere in the world, These days, for most people, you do not necessarily exclusive to us, so you are able to have them serviced at bargain prices. However, most people determine the improvement in your quality should this be needed. need to buy top of the range technology hearing aids to in the world, should this be needed. will agree that in this life, you get what you of life through hearinganywhere aids is the person get for; a great improvement invery yourmuch hearing. pay and hearing healthcare who provides your hearing healthcare. If you have had a quote for hearing aids, follows this mantra. Patiently assessing your hearing wants be thisfor large, or small, we will to If you have had a quote hearing aids, be be thishappy large, and needs, taking the time to get to know give you a free impartial second opinion Conversely, buying lower cost hearing devices does or small, we will be happy to give you a free impartial Overcoming a hearing loss is not simply you and giving you the space to ensure and check if there are any better solutions not mean they will be poor quality. In most cases, lower second opinion and check if there are any better a matter of buying some hearing aids. the hearing solution is the best long term available for you. We take the time to cost hearing aids are made by the same manufacturers solutions available for you. the time to listen The very best hearing aids available can solution for you is absolutely key. listen and We do take everything at your pace: as the most advanced ones, and do everything overcoming at your pace: overcoming give a terrible result if they are so notthere set is no difference in hearing loss is not a hearing sprint; it up correctly for you or areaids unsuitable forlife changing Hear Again if have over 35 years steady journey! There isThere a reason overall quality. These can be they loss is experience not a sprint; itisisa long, a long, steady journey! is your needs. These days, for most people, of helping people overcome their hearing we have so many 5 star reviews on Google. are suited to your hearing loss and set up optimally. a reason we have so many 5 star reviews on Google. you do not necessarily need to buy top of difficulties. From a simple check to see the range technology hearing aids to get a if your ears are blocked with wax, to the Come to chat with us at the Coast Shopping The improvement one factor inthat does massivelyprovision determine thetuning Come chat us atWhangaparaoa the Coast (upper Shopping Mall, great and fine of the to very latestwith Mall, floor, top of your hearing. in your quality of life through hearing devices from the worlds leading (upper the escalators) from to Saturday. improvement hearing aids Whangaparaoa floor, top ofMonday the escalators) hearing aid manufacturers; the Kiwi If you already have hearinghave aids from any is the person who provides your hearing healthcare. from Monday to Saturday. If you already hearing Conversely, buying lower cost hearing owned, friendly team are here to help, manufacturer, we can give them a FREE Patiently assessing your hearing wants and needs, aids from any manufacturer, we can give them a FREE devices does not mean they will be poor even if you need to be seen on a weekend. clean and check to ensure they are in tip taking the time to get to know you and giving you the clean and check to ensure they are in Call: tip top condition. quality. In most cases, lower cost hearing top condition. Local 09 4246035 or space ensure solution is best long youLocal Call: 09are 4246035 email: info@hearagain.co.nz aids are to made by the the samehearing manufacturers Wethe believe in giving options. As we email:orinfo@hearagain.co.nz to start your as the solution most advanced ones, so there is no have access to rejoin the conversation. term for you is absolutely key. 100% fully independent, to we start your journeyjourney to rejoin the conversation.

We don’t do eyes,

For all the care your ears need

just ears

09 424 6035

www.hearagain.co.nz

www.plusliving.co.nz Plusliving+ | 27

Order Boxes Box Delivery & Collection We deliver the Plastic Moving Boxes, Wardrobe Boxes, Packing Materials, Labels, Cable Ties and a Dolly You Pack, Move & Unpack

Ecomove can Pack, Move & Unpack

Including the Moving Boxes, Wardrobe Boxes, Packing Materials, Labels & Cable Ties

Auckland Wide, 50km from the CBD P: 09 215 5755 M: 021 326 683

www.ecomove.co.nz

28 | Plusliving+ www.plusliving.co.nz

PREMIUM VILLAS AVAILABLE NOW FROM $1,070,000*

Final stage of homes available now a brand-new, modern home in a lively and well established village. Each home comes equipped with a contemporary kitchen, large bathroom and laundry, spacious outdoor living area, single garage with internal access and much more. Plus for a limited time, they will also come with a range of quality kitchen appliances including a fridge, microwave, built in oven, ceramic cooktop and single dish drawer*.

Visit our show homes Summerset at Monterey Park 1 Squadron Drive, Hobsonville 09 951 8922

They are such spacious homes, we comfortably had 20 family members over the day after we moved in. The modern design reduces a lot of noise, makes them easy to clean and the ranch slider gives perfect access for grandkids to play outside. Our neighbours are so friendly and joining activity groups in the village really helped settling in. This home fits our lifestyle perfectly! Peter and Jill, residents of Summerset.

For more information, visit us today and take a look through our incredible show homes, or get in touch with our Sales Manager, Nicola Redmond.

09 951 8922 | summerset.co.nz/hobsonville *Licence to occupy. Terms and conditions apply.

www.plusliving.co.nz Plusliving+ | 29

Your local Warkworth Solicitor John has been a local solicitor and identity for over 40 years. He has overseen the legal aspects of many land developments within every Council district north of Auckland and continues to do so. However, he has now turned to specialising in the legal needs of the elderly whether it be dealing with retirement villages, Wills, Enduring Powers of Attorney or administering deceased estates. All of these seem to dovetail and are a necessary aspect to small town legal practice. Outside of the office, John is an honorary solicitor of many community associations and clubs, specifically significant amounts of pro bono work, as well as being a member of the Warkworth Rotary for more than 20 years, including being the president of the club in the year 2000-2001. Furthermore, John was actively and administratively involved in a number of local sporting clubs over that time.

John is an honorary solicitor of many community associations and clubs, specifically significant amounts of pro bono work, as well as being a member of the Warkworth Rotary for more than 20 years

After travelling overseas, John returned to New Zealand where he worked in the South Auckland community for some years, actively appearing daily in the local criminal and family Courts and also running the conveyancing and business practice for the firm. A career move saw John move to Takapuna, leading to a partnership of Auckland’s second oldest law firm, seeing him develop the firm from part-time to full-time practice. Just to concentrate on one area for a moment and not forgetting the vital importance of having a valid Will is the need for Enduring Powers of Attorney. One type of power of attorney deals with your personal care and welfare and in setting that up you are permitted only one attorney but you may appoint a number of successor attorneys in order of preference.

30 | Plusliving+ www.plusliving.co.nz

John is conversant in all aspects of retirement village issues from purchase to complaints processes to sales and protecting sale proceeds in a blended family situation.

The power in respect to personal care and welfare covers your accommodation, health and other physical needs. You must be certified by a medical practitioner as mentally incapable before your attorney may activate the power. The other Enduring Power of Attorney is in respect to your property which is your assets i.e., land and buildings, cash, investments, and anything else that you own and can turn into money. Unlike the personal care and welfare power you may appoint as many attorneys as you wish but like the other power you can also appoint successors. The power in respect to your property differs also in that you may have the power operable immediately and not cancel automatically when you become mentally incapable. Both types of power are not valid unless you are advised before you sign by a lawyer and that lawyer signs a certificate to the effect that he/she explained all legal aspects of the powers to you as well as any possible conditions that you may impose on those powers. John is conversant in all aspects of retirement village issues from purchase to complaints processes to sales and protecting sale proceeds in a blended family situation.

We specialise in: • • • • •

Elder Law Wills, Trusts and Estates Land Development General Property (Residential, Commercial, Farm) Business – Sale / Purchase / Lease

www.plusliving.co.nz Plusliving+ | 31

Phone: 021 125 3846 | Email: info@vived.co.nz | www.vived.co.nz

VIVED Construction are passionate about building and renovating Auckland’s highest performing passive and sustainable homes while creating well-designed, beautiful spaces, that are always comfortable regardless of the climate. Too many buildings in New Zealand are energy inefficient and unliveable. We’re on a mission to change that! To achieve this we build using: • Cutting edge, high-performing materials that won’t harm you or the planet • Quality construction methods to ensure your home lasts generations • Innovative thinking and time tested systems • Time-tested passive design principles

We consider your build site, orientation, and local climate during the design phase. This ensures that your home has natural light year round, a cooling breeze during summer, shading elements when the sun is too intense - and much more. Quality

�

Service

�

Workmanship

�

Communication

�

Results

�

Health & Safety

Delivering quality workmanship Top Shelf Electrical was established in 2015 with a single vision; to provide quality workmanship while keeping people and integrity at its core. After returning from a European O.E., founder Dean Bieshaar felt compelled to start his own electrical business. As a qualified electrician, Dean had seen the corners some companies were willing to cut; the subpar materials and tools some electricians would use to cut costs and how some companies forget that their tradies are their biggest asset. “In the years leading up to my decision to go out on my own, I bounced between a lot of these companies. I believe both client satisfaction and a healthy working environment can be achieved without sacrificing quality workmanship.” Since the beginning, Dean has kept his vision in mind. The team at Top Shelf Electrical are client-focused and energetic while ensuring each job is completed to the highest standard. From dealing with the client at the start of a job, right down to the clean up afterwards, Dean (and his clients) will tell you the team from Top Shelf Electrical are electricians you can depend on.

The Top Shelf Electrical promise is to: • • • • • •

Uphold honesty and transparency within their pricing Provide a team of skilled and experienced electricians Turn up to site on time Deliver quality workmanship Maintain strong attention to detail Clean up once the job is complete

When dealing with Top Shelf Electrical, Dean hopes clients will see how integrity comes first. Dean knows integrity is key to the success of any business and enjoys building strong, trusting relationships with his clients – whether the client is a homeowner, business owner or another tradie.

Dean and his team at Top Shelf Electrical can help you with: • • • • • •

Electrical Maintenance - Residential and Commercial Electrical Repairs - Residential and Commercial Electrical Installation – Residential and Commercial AV and Alarm Installation Data Wiring Air Conditioning

If you are looking for an electrical company who will provide quality workmanship with great customer service, contact Dean at Top Shelf Electrical; 021 027 04610 or dean@topshelfelectrical.co.nz.

Providing the best possible quality of workmanship and service for any of your electrical needs.

Electrical • Data / WIFI LED Lighting • Maintenance Security • Air Conditioning

021 027 04610 dean@topshelfelectrical.co.nz

www.topshelfelectrical.nz 34 | Plusliving+ www.plusliving.co.nz

Have your power prices gone up recently? Time to check us out. frankenergy.co.nz

www.plusliving.co.nz Plusliving+ | 35

Money Matters

Being wise with money At some stage in our lives, we have each experienced the pitfalls of living outside our financial means.

PROVIDING A SOLUTION FOR EVERY POOL WITH CUSTOM POOL COVERS

Are you happy with your drinking water? Drink Healthy, Stay Healthy Do you know for sure that it’s an acceptable quality? Does it taste good? The water we put into our bodies determines our health to a large extent. The average adult human is made up of 60% water so it better be good!

Auto Slat Cover | Above Ground Slattered Coverstar | Bar Cover | Bubble Cover Thermal Cover

Ph: 09 426 0625 Mob: 021 663 854 E: sales@autopoolcovers.co.nz

www.covers4pools.co.nz 36 | Plusliving+ www.plusliving.co.nz

Pure goodness, Better health Free phone: 03 925 8392 | Mobile: 021 276 5700 Email: richard@filtrationcanterbury.co.nz Alford Forest, RD 1 Ashburton 7771

www.ﬁltrationcanterbury.co.nz

Money Matters Material desire, impulsive indulgence and a lack of ability to differentiate between ‘want’ and ‘need’ can blind our better judgement. Or, quite simply, unexpected bills and expenses can blow the budget.

retirement age manage their money well and that most report living a satisfied life in retirement, there are still important factors to consider when being wise with money.

As we get older, budgeting and saving for our future is imperative as is a regular renegotiation of financial priorities and preparation for potential losses of income.

Many elderly people in retirement have no chance of increasing their income and cannot be sure of how long they are going to live or what might happen in between.

It’s about investing in the future you.

Get Sorted

The value of wisdom While money is the universal form of currency, wisdom is of equal value, because being rich in savings is inconsequential to the security of your future if you are not rich in the financial wisdom you require to ration those savings.

Establishing relevant financial boundaries is about formulating strategies for protecting yourself and your money. Recognising the importance of a legitimate and age-appropriate investment is also imperative to avoid financial downfall.

Financial fortune, like life, is subject to change and forgetting that this change is an inevitable part of human existence, can set you up for a financial fall you may not recover from.

For example, if you rely heavily on your superannuation or a small investment, the more conservative you need to be. Generally, if something is high interest it is generally high risk.

We only need to look at the pandemic and its effects on the global economy to realise the unpredictable nature of finance, savings and investment.

In the ‘life stages’ section of the Retirement Commission’s online initiative the Sorted website outlines the following goals for 60 plus citizens:

Finance at every age In acknowledgement of the average retirement age in New Zealand, we generally classify the elderly as 65 and older. But in fact, there are three generations within the 65 to 95-plus demographic. Being wise with money involves recognising which generation of this wider category you fall into and what respective financial needs or obligations you may have. While many elder targeted surveys in New Zealand suggest that those of

• Make some quiet time to set your goals • Be specific and write your goals down • Review goals every six months or annually • When you achieve your goal, celebrate and then set a new one. Sorted also offers mutiple checklists, suggestions and common assumptions for your consideration as well as updated information on equity release, retirement villages and how best to spend your savings. For further information on how to be wise with money, visit: www.sorted.org.nz.

Our decades of experience, combined with our wealth of plant and resources, give us the technical knowledge and skills to provide a wide range of construction services.

good work

Our vision and purpose is to be a successful and enduring infrastructure company being in, connecting with and caring for communities. It’s what we strive to achieve each day through the good work we do.

8000+ STAFF

100+

LOCATIONS

YEARS OF EXPERIENCE

www.plusliving.co.nz Plusliving+ | 37

Home Life

Creating a home office that works for you As working from home is a viable and realistic option for many of us, it makes sense to include a home office or home-based workspace as part of your building, renovation or home upgrade plan. It’s not really all that long ago as computers started to infiltrate our home lives, you might have created your ‘office’ in what was perceived as otherwise ‘wasted’ space under stairs or in cupboards.

Light fittings - The trend for light fittings these days tends to be downlights, however they are not always positioned in the best place for computer screens. If you are planning to install these, see if you can get LEDs with a wide angle and have one positioned above where you are planning to put your desk, so that light goes onto your screen, not into it. Otherwise, you may need to take up space on your desk and use a desk lamp.

Colour schemes - Walls which are painted a dark colour make a room feel smaller and like they are soaking up the light; this makes the room feels dark, which is not ideal for working in, and if the room has a lot of sunlight, lighter colours can make it feel too bright.

These spaces were fine if all you needed to do was check a few emails (possibly via dial-up!) or briefly logon to look up some information, but they were definitely Head for something which is neutral, warm and feels good to you. You can always not designed for you to be at your desks for long periods of time. increase the colour feel in your workspace with art work. Usually cramped and deliberately tucked ‘out of the way’ so that you could close the door on ugly computer ware and printers, they were less than ideal for setting Furniture - Many built-in desks in new or newly renovated homes (often up an efficient workstation. seen as a space saver) are frequently built-in too high, and don’t allow for any flexibility of positioning. As long as we’ve got decent internet access, we can easily work from home - so realistically, with real work to be done, you don’t want to be tucked under the Some beautiful old desks - used as computer desks - are usually designed for stairs or stuck out on the landing! writing, not typing. There are quite a few things to consider when creating a study or home office Buy a specific computer desk, and if it’s within your budget, preferably one that’s though, and it is well worthwhile doing some planning with your builder/ electrically height adjustable so you can work both sitting and standing. architect, to optimise this space. A decent office chair is also important and these days, can blend in nicely with the rest of your decor. Look for a chair with good padding, adjustable height and back Things to consider include: angle, and one which is easy to adjust.

Location - Consider which room to use for your office, particularly in terms of the lighting. For instance, to reduce glare and heat from the sun at different times of the day, a room with windows which faces east, north or west will need good light control. The size of the window as well as aspect should be considered.

Computer cabling - Make sure that you’ve allowed for appropriate cabling, particularly if you are likely to have high computer use, or more than one computer in your workspace, either now or in the future.

38 | Plusliving+ www.plusliving.co.nz

In conclusion - Finally, if you’re building a home office, even if you only use it occasionally, make sure to create a space you enjoy being in. Not only will it look great and function well, getting elements such as the lighting, furniture type and placement right, means that you will also be more productive in what is your very own work space. It’s your home, and it’s about living, so with a little bit of thought and planning, you can make your office work for you!

P: 0210 901 6584 E: jason@installright.co.nz www.plusliving.co.nz Plusliving+ | 39

“In an age of distraction, nothing can feel more luxurious than paying attention.” - Pico Iyer, Novelist & Travel Writer And attention is a magnetic essential when it comes to marketing your home. Tailoring bespoke property campaigns involves an astute knowledge of the nuances of the industry, exceptional communication skills, cutting-edge technology, aesthetic flair and a relentless drive to deliver artistic and imaginative campaigns. When this skill set is complemented by passionate and well-connected agents, you can relax in the knowledge that one of your greatest assets is in highlyexperienced hands.

40 | Plusliving+ www.plusliving.co.nz

Our difference is in the detail

Get in contact and see for yourself why we always put specific focus on the detail of your home to make sure that it stands out in the market place.

Caleb Paterson Director/Sales Consultant

022 631 7786

SCAN HERE TO GET AN APRAISSAL OF YOUR HOME

www.plusliving.co.nz Plusliving+ | 41

Home Life

Heat friendly home design Homes can be designed to be naturally warm in winter and cool in summer, if they’re built using passive heating concepts. The idea behind passive heating is to maximise a home’s ability to absorb and retain the sun’s natural heat to create a more comfortable home and minimise energy bills. Its aim is to control the temperature and ventilation of a home without the use of appliances that consume energy. Embrace these simple concepts when you build for a much more comfortable and energy efficient home.

Good passive design includes:

House orientation - Your home should ideally be positioned as far as possible away from neighbouring buildings that might block north sun. Note that in winter, objects cast shadows up to three times their height, blocking out sun light. It is also important to decide which rooms you want to be the sunniest, typically living spaces are chosen. Shade protection - Wide eaves are a useful feature to help shade from the harsh sun in summer and provide increased weather protection in winter. Insulation - Well insulated homes are capable of using the heat from the sun more effectively to retain heat and also slow the flow of heat loss. Plus it maintains a more constant internal temperature to reduce the need for heating. Window placement - Larger windows should face the sun to capture the warmth while south-facing windows, which receive minimal sun, should be small to avoid heat loss. All windows should be double glazed as a minimum standard. Colour consideration - If you live in a cooler environment use dark coloured roofing material to absorb heat, and likewise if you live in a warmer environment use light coloured roofing to reflect the suns rays. Ventilation - Use window joinery with security catches which allow windows to remain partially open to help ventilate the home and remove condensation. Draughts - Once a house is well-insulated and appropriately glazed, the biggest potential heat loss is through draughts around windows and doors. Use weather-stripping and high-quality sealants to reduce air leakage.

Smart storage solutions Stairs - Ever thought of storing items in the stair risers? Or place drawers inside the steps so you can pull them out when you need something? It’s a great way to hide items and a bonus that it adds visual interest to your home.

Furniture - Ottomans, window seats with a lid, sofas with drawers in the bottom, beds with in-built storage, and trunks. These furniture pieces not only work as storage but it adds character.

Find storage in the stairway wall and under the stairway by adding shelves or a shelving unit that can be pulled out from under the stairs.

Closets - Build rows of shelves inside the closet and additionally, add rows of hooks to hold handbags or jewellery on the inside of the door. Hang an overthe-door rack or hook to keep things organised and out of sight.

Ceilings - Overhead storage is not always the most obvious place you would look to store items, but it’s surprisingly suitable. Narrow hallways are ideal and if you don’t mind a bit of DIY, attach shelving onto the ceiling to make the most out of your ceiling space. Under floor storage - If you’re not looking up, look down. Find storage under the floor boards where you can store everything from precious possessions to jewellery and clothes.

42 | Plusliving+ www.plusliving.co.nz

Walls - Fringe your hallway with shelves or cabinets, particularly if you have a wide hallway. For something creative, add character with a wall decal. Want to store some books on a shelf? Apply a tree wall decal and attach the shelves high up in the tree. Remember: look up, look down, look inside and look behind for unused storage solutions around your home.

Napier i-SITE Is it time to start planning your next Kiwi holiday? Could you use a helping hand – one which won’t cost you a thing? Some people seem to take as much pleasure researching and booking trips as they do with their destination – but if you’re not one of them, it may be time for you to get in touch with the friendly and well-informed staff at Napier’s i-SITE. They have many years of experience in the industry and knowledge between them, says manager Jane Libby, and they

With all this first hand knowledge about places to go and things to do, you can trust the advice you’re being offered is sound.

have visited almost every corner of Aotearoa. With all this first hand knowledge about places to go and things to do, you can trust the advice you’re being offered is sound. As specialists, they can tailor your bookings just for you, book any activity, tour or accommodation nationwide – all with no booking or credit card fees. They can cater for every need, whether you’re travelling as an individual, a duo, a family unit or in a group. They are definitely in the know when it comes to special deals, including combos and multitour booking discounts.

For your convenience the i-SITE, located on Marine Parade, is open 7 days a week, 9am to 5pm. Or give them a call on 834 1911, or email info@napiernz.com

“Apart from flights, we can help you whatever your needs – if you’re curious about a farm stay or a particular rail trail, prefer luxury or no frills, easygoing or thrillseeking adventures,” says Jane. “Once you’ve told us a little about what you like, or prefer, we may also be able to suggest some hidden gems, the ones that are well worth checking out but for whatever reason tend to fly under the radar.”

Our local experts will have your next NZ getaway sorted! Looking after our local community and domestic travellers is a top priority, says Jane.

From the top of the north to the bottom of the south - we’ve been there, done that, plus some more.

Our local experts will have your next NZ getaway sorted! From the top of the north to the

Meet Marion. Meet Manette. Let her book you She can plan a trip bottom of New the south for - we’ve there, on a Great you to been the Bay Zealand Walk. of Islands, including the best scenic Meet Richard. Meet Manette. photo He loves She canlocations. plan a exploring and trip for you to any specialises in destination in New accommodation. Zealand, including the best scenic photo locations.

Give us us ! call aGive a call!

done that, plus some more.

100 Marine Parade 100 Marine Parade 0800 84 74 88 0800 84 74 88 napiernz.com napiernz.com

www.plusliving.co.nz Plusliving+ | 43

In the Garden

Flower power

Planting allergy-free gardens

Wouldn’t it be just wonderful to enjoy the sweet outdoors this summer without having to involuntary sneeze or pat down your runny nose and red watery eyes?

Of course, it can be difficult to rid of plants you enjoy having in your garden, so if these happen to be high-allergy plants place them far away from the house and downwind if possible. Don’t plant high-allergy plants near bedroom windows, next to patio areas, walkways or by the front or back door.

Allergies are the bane of many allergy sufferers’ lives when it comes to this time of year. And for some it can be so severe that it sucks the joy out of everything they want to do in the great outdoors, even just sitting in their own garden.

If you have a tree or hedge that has high-allergy potential keep it trimmed or clipped so that it flowers less.

The good news is that it doesn’t always have to be this way. No, I’m not talking about getting yourself down to the pharmacy to stack up on a shed load of hay fever tablets. I’m talking about heading into your garden and eradicating plants which trigger allergies. Instead, you can enjoy your outdoor spaces by opting for bee-pollinated trees and shrubs. Trees and shrubs which have small, pale or insignificant flowers should be avoided as these plants use wind to spread pollen. Trees to avoid at all costs include wattles, ashes, elms, oaks, maples, pine, privet, willow and the large growing poplar or cottonwood. Flowers that are large, scented and brightly coloured attract bees with its colour and scent. The pollen is heavy and sticky and so is not as irritating to humans. Mow your lawn early before the dew has dried to reduce the pollen which rises up to a metre above the lawn. If you think you can live without a lawn, replace it with paving or decking. But if you can’t, choose groundcovers such as thyme or mercury bay weed.

44 | Plusliving+ www.plusliving.co.nz

Information sourced from www.greenurbanliving.co.nz

The bad

The good

Aste Pussy willow Calendula Bamboo Daisies Ash Chrysanthemums Acacia Grasses Olive Walnut Privet Primula Plane Cupressus Ivy

Rhododendron Camellia Viburnum opulus Snapdragon Citrus Bay laurel Phlox Plum Apricot Hawthorn Pomegranate Cabbage trees Cherries Eucalyptus Gardenia Escallonia Cotoneaster Salvias

Landscaping

Backyard bliss

Is your yard ready for this summer’s lineup of barbecues? When compared to the rest of the home, outdoor spaces are often after thoughts even though they host much of the summer fun at home.

One reason why some homeowners put off addressing any landscape design issues is because they don’t consider themselves gardeners and find yard maintenance intimidating. However, when asked if you have to be a great gardener to have a great yard, One Square Rate managing director, Karl Odell says you don’t have to be a great gardener to have a great yard.

We use dripper tube a lot, which just drips water under the surface and keeps plants watered. Having a system that’s attached to a timer is very important because the watering occurs at a time of the day which can be used most efficiently - One Square Rate managing director Karl Odell

This is where a landscape designer is helpful and can provide guidance. If you’re not known for having a green thumb, your yard can be designed with properly placed, hardy plants so that your yard doesn’t need a lot of maintenance. “An actual fact: while people think gardens are a lot of hard work, if they’re designed properly, they’re a lot less work than a big lawn which requires a large amount of maintenance.”

Preparing for summer Karl likes to think of outdoor spaces as an extension of the home. A popular trend in new homes includes decking that attach to the lounge or dining areas of the home. Nevertheless, decking is just one way to create that desirable, indoor-outdoor flow. In addition, Karl likes to bring attention to vertical aspects of landscape design including pergolas and similar structures that shelter from rain and walls and fences for wind protection. Altogether, they give a spatial, “outdoor room” feel to the space. A properly watered yard makes the perfect backdrop for any summer activity. To keep your outdoor living space looking as fresh as possible, a well-designed irrigation system is a must.

An actual fact: while people think gardens are a lot of hard work, if they’re designed properly, they’re a lot less work than a big lawn which requires a large amount of maintenance. - One Square Rate managing director Karl Odell

Along with lifestyle, there are environmental factors that can influence the design of your outdoor space including the orientation of the house, the direction the sun comes from in relation to the yard and whether there is protection from the wind, sun and rain.

“We use dripper tube a lot, which just drips water under the surface and keeps plants watered. Having a system that’s attached to a timer is very important because the watering occurs at a time of the day which can be used most efficiently,” says Karl.

Karl says, “I think if you can design your house with some consideration to the outside, you’ll end up with a much better landscape and something you will use all year round.”

With water conservation in mind, Karl says its best to water early in the morning when there’s not so much wind or heat. That way, water is less likely to evaporate and you can make the most of every drop.

www.plusliving.co.nz Plusliving+ | 45

Destinations

The 10 most expensive countries to get sick in

Kiwis love to travel, but far-flung and exotic destination hopping isn’t all beer and skittles, because when things go wrong when you’re travelling, they can go very wrong and be very expensive – particularly when medical costs are involved.

The top 10 most expensive countries are: 1. USA 2. Australia 3. Italy 4. Israel

Southern Cross Travel Insurance has revealed the 10 most expensive countries to which New Zealand travellers go, measured by the cost of medical-related insurance claims.

5. United Kingdom

USA, Australia and Italy top the list for the highest claim costs, with Israel, the UK and China following close behind. Indonesia, Canada, Spain and Thailand round out the list, according to data collected.

7. Indonesia

The largest claim was for $370,000 by an insured customer who fell ill on a cruise ship in the USA and had to be transferred to hospital. The 77-year-old was diagnosed with congestive heart failure and underwent surgery to replace an aortic valve. Southern Cross Travel Insurance chief executive, Chris White, says that while no traveller expects to be the one who gets sick overseas and needs extensive medical treatment, the reality is that this can happen to anyone, regardless of how fit and healthy they are. “Medical incidents occurring on holidays are extremely stressful due to the compounding factors of being away from a familiar home environment, not speaking the language, and not knowing the local healthcare system. “We know that when we take away the worry of managing hospital arrangements, medical costs and payment uncertainty, it can really help to reduce stress for travellers and their families.” It is important that customers disclosed any pre-existing conditions and if they were unsure, to contact their travel insurer for advice, Chris says.

46 | Plusliving+ www.markat.co.nz www.plusliving.co.nz

6. China 8. Canada 9. Spain 10. Thailand

“Travel claims are rarely isolated to the costs associated with being ill and receiving treatment. Some of the highest claims we receive are for tourists requiring extended accommodation for recovery, or medically-assisted travel back home. “The knowledge that these extra costs can be covered by travel insurance is a huge relief to travellers suffering away from home.” In another case, a 68-year-old New Zealander was flown home from Australia after treatment for a spinal abscess, which resulted in a total claim for $14,670. Meanwhile, in Italy, a 70-year-old cruise ship passenger made a claim for $123,764 after falling ill and being transferred to hospital for bowel surgery.

Five Star Automotive Services 2016 ltd A team of fully qualified, & MTA approved mechanics Their combined experience covers every major vehicle brand – European, Japanese, Korean, UK, American and Australian. With a reputation for excellence, honesty and value for money, Five Star Automotive Services put their customers first and gets the job done right. Warrant of Fitness Five Star Automotive is offering affordability with low Warrant of Fitness prices we also offer FREE Warrant of Fitness with every Full 45 PT Service, call us today check out our different WoF and Service prices. Services Five Star Automotive has a variety of services packages available to suit your needs. Service packages options include a 25-point service, a 35-point service and a 45-point service, with the 45 PT including a free Warrant of Fitness. Package Deals Full 45 PT Service with a FREE Warrant of Fitness. Mechanical Repairs On top of full, comprehensive service packages, they also offer: • Mechanical repairs • Warrant of Fitness Repairs • Clutch & cambelts/Timing belts – Water pump

• Brakes & shock absorbers • Warrant of Fitness. • Full 45 PT Service & FREE Warrant of Fitness • Diesel Services • Tyres & Wheel alignment Book in our Courtesy Car The team at Fivestar realises that everyone has a busy daily schedule day and to be without a car for a day can be inconvenient. That’s why Fivestar offers free courtesy cars ready so you can go about your daily life as normal. Meet the Team Expert vehicle Mechanics, have been serving The North Shore community for Over 20 Years, with a highly recommended reputation With three Warrant of Fitness Mechanics and MTA approved. Testimonials ”The team at Fivestar really know their stuff when it comes to Audi. My Audi A4 had a blown thermostat which is a real mission to get to. They had my car back on the road within a day”. - Mark W, (Audi A4) “Fivestar have been servicing my VW GTi for the past 2 years. Their service is second to none and their pricing is very competitive. Highly recommend Paul and his team”. - Jane B, (VW GTi) “I could take my car to a Holden dealership but in all honesty Fivestar know what they are doing when comes to servicing my Monaro and the price is right”. – Jonathan R, (Monaro)

Not running right?

We’ll fix it.

Ph: 09 486 5015

We have the expertise and skill to keep you on the road. For the best automotive experience, we fix all makes and models. 28 Barrys Point Road, Takapuna 09 486 5015 fivestarauto.co.nz

www.plusliving.co.nz Plusliving+ | 47

???

Thornton Auctions Thornton Auctions are the leaders of live-stream general goods auctions. With two auctions held every week and other online options too, we include make an offer, buy now and timed auctions. Our experienced team can help you with an all-encompassing one stop solution to your auction needs, including surplus stock, deceased estates, liquidation, company close down, buy outs and valuations for everything from fine jewellery to heavy machinery.

Onsite auctions Auctions held onsite tend to attract more potential buyers and better returns and also reduces the costs to the vendor with little to no transport costs and no auctioneer overheads to be covered. Our experienced team can also quickly set up an auction in nearly any location. From one hundred lots to one thousand, we can set up our cost-effective and professional services in your backyard, wool shed or paddock.

Online tenders Present your items with full description and photos to the public with a set price or guide without all of the paperwork or forms to be sent back. If the offer is to low it will be automatically rejected, if the price is right the item will sell. Ideal for larger one-off items, businesses or bulk stock sales.

Valuations Valuations are based on our previous sales history of over 3,500,000 items, information gathered from recent sales, along with manufacturers and suppliers. We are also able to provide a simple over the phone desktop valuation or full written report for finance, solicitors, insurance or sale of assets and have in-depth information available to provide you with current and accurate information. We look forward to continuing the work done before us and invite you to come in for a chat to see what we have on offer; buy at a price you like and to walk away with a great bargain. The team at Thornton Auctions look forward to seeing you soon!

0800 4 AUCTION enquiries@thorntons.net.nz

www.thorntons.net.nz

One stop solution to your auction needs.

• Onsite Auctions

• Stock Disposal

Including Surplus stock, Deceased estates, Liquidation, Company close down and Buy outs. Valuations for everything from fine jewellery to heavy machinery - we do it all!

• Online Auctions

• Valuations

• Online Tenders

• IT Cleaning

• Online Property Sales

8 Tiri Place, Mt. Wellington | Open 9am - 4pm weekdays | LIVE auctions held 6pm Monday & Thursday nights

48 | Plusliving+ www.plusliving.co.nz

Peace of mind investing Since 1996 First Mortgage Trust have been helping New Zealanders protect their nest egg and grow their wealth. We have a disciplined, conservative investment approach with a proven track record – in our 25 years we have never lost any investor capital.* We focus on what we know is important to our clients - consistent returns and steady income-focused funds that are accessible when they’re needed.

What we offer investors: • Regular income – each quarter we distribute returns, or you can choose to have them reinvested. • Mortgage-backed investment - risk is one of the highest concerns for investors. Our funds are backed by first mortgages with relatively conservative loan to valuation ratios that can help provide peace of mind investing. • Proven consistent returns - our conversative approach means we’ve been able to provide investors with consistent returns for over 25 years. • Flexibility – start with a minimum investment of $500 and after that you can make further contributions at any time that suits you. • Accessibility - your investment is not fixed term - although we do encourage you to invest for medium to long-term growth outcomes. We’re here to help you grow your wealth If you are looking for an investment offering consistent returns, or want to learn more about investing with First Mortgage Trust, contact our friendly team on 0800 321 113 or visit fmt.co.nz * Past performance is not a reliable indicator of future performance.

www.plusliving.co.nz Plusliving+ | 49

Real Estate

What to look for in a real estate agent By Jen Baird, chief executive of the Real Estate Institute of New Zealand

Your home is often your largest personal asset, so selling it can be both exciting and stressful at the same time. That’s why having an agent that you can trust to help you achieve the best price and conditions possible for your home – all while being transparent and ensuring all parties are comfortable and aware of the processes, will make a big difference. Certain attributes differentiate a great agent from a good agent. We recommend that you look for agents who demonstrate a great deal of professionalism, local knowledge and have a good reputation. Look for someone who understands the kind of people who will be interested in your home. This will help with the marketing of your home and communicating the benefits of your property to potential buyers. Local agents often have a network of potential buyers that they have been working with or regularly communicate with, who are ready and able to provide the best price for your home.

Surface Tiling Ltd. TILING & WATERPROOFING SERVICES

SERVICES Proud to be East Auckland’s most referred tiler.

Call us now! 021 935 699 50 | Plusliving+ www.plusliving.co.nz

www.surfacetiling.co.nz | tony@surfacetiling.co.nz PO Box 82264, Highland Park, Auckland, 2020

Real Estate Great real estate agents are well connected, therefore asking family and friends if they know an agent they would recommend is a great start; referrals are often the best way to find an agent with a proven track-record, and not just someone who knows how to say the right things at the right time. When asking for recommendations, remember to ask what factors their recommendation is based on. Did they get the level of communication they wanted? Did they think the agent used the marketing spend effectively? Did they manage any challenges through the process well? Agents are usually more than happy to come to your property, share their knowledge and talk you through your options for selling. We recommend meeting a few agents before you choose who to work with. Try visiting open homes they are hosting to understand how they present their vendor’s property. This will help you get a feel for how they will work to get the best for your property. Take a look online and see how agents are using social media and digital marketing to increase coverage for the properties they are selling, and therefore see what you could expect for your home. Many agents will also use advanced technology to help market and sell your home, which can often reach a broader audience, for example: • Virtual Reality tours or 3D walkthroughs are one of the options that increase the accessibility of an open home to a wider range of potential purchasers in the first instance, particularly out of town buyers • Augmented Reality is another option that can help potential purchasers rework the layout of furniture in the home, so they can better picture themselves and their belongings in the home. Try not to select an agent based solely on their commission fee, but it is important to understand what the fees are. While these do vary by agency,

our advice is to choose an agent you trust and whose previous work gives you confidence. Great agents can achieve a better price for your property by understanding the best strategies according to different market conditions. At the end of the day, the person you choose is going to be a big part of your life while you sell your home, so it is important that you feel comfortable with them and that you can trust them to get the job done.

RECEIVE

15% OFF

AN ANNUAL MEMBERSHIP USING THE CODE ONLINE

“MJS15”

MYJOBSPACE.CO.NZ

www.plusliving.co.nz Plusliving+ | 51

Real Estate

Delivering great results for their clients With an exceptional track record of delivering results for their clients, Anita Dobson and Kieran Barakat are among the most recognisable and trusted real estate agents on the Hibiscus Coast.

There was no looking back - I worked hard to get out of debt and have just kept going since.” As a long time local, Anita kicked off her real estate career in earnest on the Hibiscus Coast. “It is such a great place to raise a family. I love the community and the beaches, and it is a beautiful part of New Zealand,” she says.

The Harcourts agents don’t just sell homes – they make people’s dreams come true.

Kieran was also born and raised in the industry with his parents owning a real estate company and his mother being one of the top agents throughout New Zealand. Being surrounded by and having a passion for real estate growing up, he was always destined to pursue a career in the industry.

As second generation agents, both Anita and Kieran live and breathe real estate. You’d think life was handed to them on a silver platter, but on the contrary they have worked their way up the ladder in a variety of roles, including Personal Assistant, Sales Manager, Auctioneer and Sales Consultant. Plus, having lived on the Coast for over 20 years, they are both active members of the community and have a thorough, first-hand understanding of the local market and the people who live here. Consequently, every facet of the real estate transaction is first class.

Over the past few years, Anita and Kieran have built a great team of sales agents and support staff who are passionate about people and property. Their clients say, “We found Anita, Kieran and team professional and alive with a serious focus on delivering. Through all the stages of the selling cycle we felt confident and looked after. What made the experience less hassle was they had just the right people on their team in the right jobs! This is a rarity to find such a dynamic team that has obviously been fine-tuned over many years of sales.”

The industry is primarily about people rather than property. We love people’s stories and being able to be part of that by helping them get to where they want to be.

There are two key things Anita and Kieran say they enjoy about being in real estate. “The industry is primarily about people rather than property. We love people’s stories and being able to be part of that by helping them get to where they want to be. Secondly, a lot of people come into real estate because of the flexibility with hours, however we are very structured with our business and that works well for us.”

Anita has been a licensed salesperson since 2013 but had worked in real estate on and off since her early teenage years. When she was in her late teens, Anita’s dad owned Ray White Northcote, and she worked for him as the Office Manager. She ended up having children quite young and by her mid 20s was single again, had $50,000 in debt, renting, working full time and doing bookkeeping part time. “At that point, dad asked me to come and work with him.

52 | Plusliving+ www.plusliving.co.nz

Real Estate

Getting people SOLD is what we do and our results speak for themselves. Scan the QR code to read what our clients have to say

Anita 021 337 093 Kieran 021 949 108 Cooper & Co Limited, Licensed Agent REA 2008

Cooper & Co

YOUR #1 CHOICE FOR REAL ESTATE ON THE

Hibiscus Coast www.plusliving.co.nz Plusliving+ | 53

Real Estate

Recognising that successful business relationships are paramount to achieving winning results, Claire chooses to focus on transparent communication. Employing a direct approach to the facts ensures that clients are well-informed and can take confidence that their property is in the hands of someone who is passionate, caring and committed. Blending sharp customer service and administration skills together with a profound knowledge of the property market on the Hibiscus Coast, Claire is determined to maximise the value of her client’s assets. Claire loves the beach lifestyle and can often be found walking her dogs on one of the many beaches that this area has to offer or cruising around the Hauraki Gulf with her family. Claire has a vested interest in the local Whangaparaoa community, with both her boys attending local colleges. Focused, well-informed and highly skilled, Claire Gallagher is certainly a salesperson you want on your side, for an appraisal on your property, or to discuss the market further, she welcomes your call!

CLAIRE GALLAGHER Sales & Marketing Consultant

Cooper & Co Real Estate Ltd Licensed REAA 2008

m 021 0243 7685

k claire.gallagher@harcourts.co.nz

54 | Plusliving+ www.plusliving.co.nz

Cooper & Co

???

Providing a high level of service Established in the property industry for over 12 years, Kathryn is experienced and well-networked. A straight talker, she applies her in-depth knowledge of the Real Estate Act practically and clearly, enjoying an open communication style and ethical business model. Kathryn works hard for her clients and customers, driven by a sense of duty to provide a high level of service. Prior to property, Kathryn learnt about people, psychology and how to negotiate effectively, from years spent frontline policing in South Auckland. Her attention to detail stems from her time working within a legal office, and her quiet resolve and determination from the joys of parenting! Her previous industry experience spans the property spectrum and includes residential sales, commercial real estate (sales and leasing) investment property portfolios, residential apartment development projects,

and client management. A large portion of Kathryn’s work is repeat and referral business (evidence of the sound long-term advice she gives), and she is a regular sponsor and donator to local charities, schools and sports clubs. Trusted and well-liked in the industry, her biggest asset is her ability to listen. Kathryn works closely with a team of professionals able to assist in the ‘going to market’ stage, enabling vendors to step back and trust in the process, or even navigate a sale or purchase remotely. Partnering with the Bayleys’ brand allows for access to total property services across the residential and commercial spectrum. Having lived in various North Shore locations since primary school age, Kathryn now calls Hauraki home. Her two teenagers attend Takapuna Grammar School, and the family (including French Bulldog Vinnie), are huge fans of the local community, in particular the amazing North Shore beaches! Happy to talk real estate any time, call Kathryn on 021 490 480 or email, kathryn.robertson@bayleys.co.nz.

ALTOGETHER DELIVERING BETTER

“Kathryn has been a pleasure to deal with, she is extremely competent and knows the market really well. She communicates well and was always available whenever I had a question or a doubt. She has a wonderful positive attitude, she is warm, open, generous in sharing her thoughts and knowledge, and she has this ability to make you feel confident in your decisions. She is the ultimate professional and trustworthy, I felt well supported and in good hands. A real attribute to your company. A real gem, thank you Kathryn.”

- J Montaner-Hopkins

Residential / Commercial / Rural / Property Services www.plusliving.co.nz Plusliving+ | 55

We are a Marketing & Negotiation agency that specialises in Real Estate

Caleb Paterson Owner

The Telos advantage

Point of difference done faster and better. With over $310,833,152 of property SOLD or LEASED , we sure have made waves in the market,

interested in buying.

combined with solid numbers against our competitors and We want it to be easy to list your property for sale. That’s why

backed by the expertise of our tribe!

we’ve taken a lot of care to make marketing with Telos as easy as possible!

We have tailored a customisable set of Marketing Tools to

Our marketing expertise brings to the table the most cutting

exposure of your property no matter the conditions of the

edge concepts to get your property in front of more buyers and

actual market.

maximize every touch point with buyers and assure optimal

tailored to suit your home and your expectations.

Interested in selling with us? let’s start the conversation.

56 | Plusliving+ www.plusliving.co.nz

Modernising our rental laws By Jen Baird, chief executive of the Real Estate Institute of New Zealand

The Residential Tenancies Act (RTA) was introduced in 1986 when the world was a very different place. Most people owned their own homes and only a relatively small proportion of people rented. Fast forward nearly 20 years and more people rent than ever before (around 35%), which is why the Government announced a number of changes via the Residential Tenancies Amendment Act 2020, most of which came into effect on February 11, 2021. The amendments introduced a number of positive changes for those renting, including a ban on rental bidding, limiting rent increases to once every 12 months, and making rental properties safer and more liveable for tenants. This has given tenants more certainty than they had in the past.

Property Management The removal of the 90-day no-cause termination notice will influence landlords and property managers’ decisions around choosing tenants, including tenants who have caused only minor issues in past tenancies. In the vast majority of circumstances, landlords used “no-cause” termination notices as a way of bringing a tenancy to an end for serious issues. Competent landlords always prefer to have a property tenanted, and would prefer to fix problems raised by tenants and work through issues proactively, so in the past they would have only used the 90-day notice when absolutely required. The changes will have already caused huge administrative costs for property managers/landlords over the last several months, plus the time it takes to completely understand the changes, has likely meant that some landlords have been deterred from leasing properties at all. REINZ considers a better approach would have been to provide higher exemplary damages, to penalise landlords who abused the no-cause terminations. The other key change causing concern among industry professionals is the automatic conversion of fixed-term tenancies to periodic tenancies. Under this change, tenants have up until 28 days before the end of a fixed-term lease to let the landlord or property manager know whether or not they are wanting to stay in the property and convert to a period agreement.

However, as can be the case with new legislation, there are some changes which have caused concern.

Essentially, this decision is up to the tenant; the landlord no longer has the automatic right to end the tenancy at the end of the fixed term agreement – this can now only be done via the same processes that one would go through to terminate a periodic tenancy.

The most significant and controversial proposal was the recommendation to end the no-cause 90-day notice. For many landlords, the 90-day notice was only used as a last resort when there was antisocial, aggressive or threatening behaviour by a tenant (or those they associate with). Often that behaviour has a detrimental impact on others living in the neighbourhood.

REINZ continues to provide feedback on the implications of the changes to the Ministry of Business, Innovation and Employment, and the Ministry of Housing and Urban Development, and will continue to work with the appropriate government agencies to help streamline the transition and provide clear messaging on the changes.

We have many success stories where people have thought marketing is a waste of money, but have finally found something that gives them a transparent Return on Investment. If you would like to be our next success story, please email: enquiries@fatweb.co.nz We have offices throughout New Zealand and can discuss your needs over the phone or by Skype. Don’t let another year go by without truly discovering what digital marketing can do for your business. With years’ of experience and having delivered outstanding results, we have some of the best digital experts in the business.

form of advertising you can measure, then increase or decrease, so you can manage your workflow accordingly! You’ve probably heard people talk about digital marketing, Google AdWords, online traffic, SEO and social media. Then on top of all that, you need to have a lead generating web presence with good traffic etc. This can sound complicated – but it doesn’t have to if you talk to the right people.

Let’s start with the basics

We are so confident, that if you aren’t 100% happy after the first month, you won’t pay a cent for the management fee. And if you mention this ad, set-up is free – a service other companies charge up to $3,000 for. FREE call tracking, which means you can actually hear recordings of the phone calls coming into your business to see if your staff are doing things correctly or if they need more training. This tool can make a massive difference to the FAT on your bottom line. Available to the first 25 people who book a consultation.

With 15 years’ experience - we know what we’re doing. Call 0800 FATWEB, or email enquiries@fatweb.co.nz to book a FREE consultation.

Right now there are people looking for a business just like yours. However, if you don’t have AdWords, there’s a very good chance they’ve just clicked one of your competitors’ websites. Most businesses would benefit from Google AdWords. It’s simple to set up, it’s fast, you set the monthly budget, and you can see the results immediately. Included is a complimentary call tracking service to measure daily results, plus you get a monthly report that’s explained in as much detail as you like.

0800 FATWEB | www.fatweb.co.nz

www.plusliving.co.nz Plusliving+ | 57

Property Management

Is it time for you to get a property manager for your investment? In New Zealand, property has proven to be a great investment opportunity with it rarely decreasing in value. Over time, some people have even amassed a portfolio of properties providing a steady income stream that is especially welcome during retirement years. However, management of properties and dealing with repairs can prove daunting. Not dealing with maintenance issues can lead to depreciation and problems can compound. Is it time for you to consider a property manager?

What exactly does a property manager do? In essence the role is meant to protect your property, reduce and eliminate any potential liability and secure the most income possible from your property that the market will support. Your property manager would handle all of the day-to-day management and maintenance on your behalf. They also answer tenants’ queries, oversee maintenance quotes and manage tradespeople. When you have the right company and person looking after your investment, the experience should be worry-free. Handling any uncomfortable situations such as evictions and non-payment of rent, is a major benefit. They also market your property and ensure that you are receiving the most rental revenue possible. Most importantly, they vet tenants checking their ability to meet bond and rent requirements.

What do the fees include? Not all companies offer the same services, but a typical package should look like the following: • All costs related to finding the ideal tenant. This includes signage, print and digital advertising and also the letting fee. • Online listings on the most high traffic sites in the industry such as realestate.co.nz, Barfoot.co.nz and Trademe.co.nz

58 | Plusliving+ www.plusliving.co.nz

• Tenant selection and vetting processes including interviews, reference and credit checks • Regular routine inspections with a full report including photos • Monthly and annual financial reports • All Department of Building and Housing documentation and legislative compliance guidance • Representation at Tribunal hearings, if required • Regular rent reviews and consultation.

Not all property management companies are created equal It may surprise most people to know that the property management business is unregulated in New Zealand. This means that anyone can set up shop and begin to solicit clients to care for their properties. This often happens without the expertise and knowledge necessary to properly protect a landlord’s precious investment. It can also leave tenants with inadequate service and without even basic maintenance. It is clear that without proper vetting and regular inspections, the wrong tenants can damage your investment. It is critically important that the company you choose is one with a proven track record and a commitment to best practice. Ask for references and for information about their property portfolio so you can be sure that they are already handling comparable properties. Get a list of services and ask about their reporting schedule. Good communication will give you peace of mind.

Want to know more? Barfoot & Thompson is the industry leader in the Auckland and Northland regions and now Tauranga for property management, with over 18,000 properties in our portfolio. We have an impeccable reputation and operate with the principles of honesty and transparency. Call us today for more information and for an obligation-free chat about all that we offer. You can also visit Barfoot.co.nz/propertymanagement to find out more

www.plusliving.co.nz Plusliving+ | 59

Property Management

Vertigro- More than just another landlord, independent property managers Care, courtesy, reliability, professionalism. Take the stress out of managing your rental property with a professional, personalised service that cares about you as well as your investment.

Your property is Our Priority You’re busy, we get it. Work can get on top of you, new tenancy regulations demand your attention, and this investment is suddenly taking up more of your time than you’d planned for, that’s where we come in. Vertigro Residential Property Management is focused solely on looking after your property. We care for every home as if it’s our own, and it’s our job to keep abreast of any regulatory changes so you don’t have to. Get back to enjoying life your way, with Vertigro as your property management partner.

If the problem cannot be resolved, or you’re unhappy with our services, we will refund your last three month’s rental management fee.

On-The-Ball Property Management Services Help! I need someone to manage my property for me. We understand this is a big ask and a scary one. But we’re owners of investment properties ourselves. We understand the things you worry about. As a team, we are constantly upskilling, training and networking with other property managers and legal experts to stay on top of the changes in the property sector, and to provide you with the best service possible.

Our Property Management Guarantee

We’re always keen to pick up the phone to discuss your property and will swiftly email with details of any work that needs to be done so you don’t get any surprises.

We’re so confident in the systems and procedures we have in place that we guarantee our property management services. If our services disappoint, simply tell us.

If you have any questions regarding your rental property, please email us or call our property management team today on 09 473 5891. We’re here to help.

Looking for peace of mind for your investment property? Let Vertigro Property Management take the stress out of managing your rental property with a professional, personalised service that cares about you and your investment. • Maximum rental return • The right tenant in the quickest possible time • Zero tolerance for rent arrears • Detailed property inspections

• Regular and transparent communication • 90-day money-back guarantee • Single point of contact

Call Vertigro today and get back to enjoying your life! 021 646 686 megan@vertigro.co.nz www.vertigro.co.nz

60 | Plusliving+ www.plusliving.co.nz

Calculating how much you need to retire An in-depth analysis of KiwiSaver accounts has confirmed personalised financial advice remains out of reach for the majority of members at, or close to, retirement age. A sub-committee of the NZ Society of Actuaries (NZSA) had found that the “modest” account balances of members aged 45 or older will make it too expensive to seek personalised financial advice when calculating an income drawdown in retirement. The NZSA paper concludes that, “Most retirees will rely on generalised guidance, which should be simple, readily available and consistent across multiple sources”. Ralph Stewart of the Lifetime Retirement Income says “Assisting KiwiSavers to make the transition from saving for retirement to spending in retirement is fundamental to the success of KiwiSaver. “The NZSA’s work is nothing new and a practical outtake of the challenges KiwiSaver faces as more and more members move into retirement.” Converting savings into a retirement income to last a lifetime need not be complicated or difficult.

Your Finances

There are two fundamental elements; • Everyone’s retirement is unique, not one size fits all • Calculating a retirement income is not a set and forget exercise, simple annual reviews ensure there are no surprises as people grow older. In the world we now live in, where information and calculators are readily available online, this process can and should be cost effective and simple for individuals to use. For example, Lifetime Retirement Income provide a free online calculator which allows individuals to consider their retirement income options without detailed financial advice.

The Lifetime Retirement Income Calculator does the math by considering; • The impact that gender has on aging • Individual expected mortality • Personalised Prescribed Investor Rate for tax • Expected investment returns.

Individuals can then consider different mortalities and spending levels to tailor the results to their individual retirement lifestyles. The Lifetime Calculator is constantly updated with the latest investment and mortality projections to allow retirees to check in every year or so to ensure their income remains on track to last their lifetime. The following is an example of a couple aged in their 60s where the Lifetime Calculator automatically recognises the youngest age to ensure the income estimate is calibrated to the partner who is most likely to survive the longest. Rob and Janice Smith are aged 67 and 65 respectively, their savings balance is $300k, they both have the same Prescribed Investor Rate of 17.5 percent and have chosen an average life expectancy and an annual inflation adjustment of two percent.

In the world we now live in, where information and calculators are readily available online, this process can and should be cost effective and simple for individuals to use. The calculator projects a tax-paid income of $461 per fortnight, growing to $685 by age 85 and $819 by age 94. The income will cease when Janice reaches age 95. Ralf Stewart says, “the NZSA’s work is helpful in continuing to raise the level of awareness for the importance of providing simple and effective tools to support KiwiSavers make the transition from saving for retirement to living in retirement.”

www.plusliving.co.nz Plusliving+ | 61

Your Finances

Retirement

expenditure guidelines

Achieving expectations and aspirations for retirement will be very challenging for the majority of New Zealanders unless they prepare and plan. That’s one of the main conclusions of the Retirement Expenditure Guidelines, produced by Massey’s NZ Fin-Ed Centre and supported by Financial Advice New Zealand and financial services specialist, Consilium. They say the average retired household continues to spend in excess of NZ Super, highlighting the importance of preparing for retirement. They suggest most Kiwis will need to make provision for supplementary retirement income, in addition to what NZ Super can provide. They calculate what retirees currently spend to maintain either a ‘no frills’ retirement, or a more fulfilling ‘choices’ lifestyle that includes some luxuries. Costs are calculated for one and two-person households in metropolitan and provincial areas. A two-person household in the main cities in 2021 would need to have saved $809,000 to fund a ‘choices’ lifestyle, while a couple living in the provinces would need to have saved $511,000. The lump sums required for a ‘choices’ lifestyle for a one-person household are $600,000 and $688,000 for metropolitan and provincial areas respectively. Only two-person provincial households living a ‘no frills’ lifestyle come close to being funded by NZ Super, though they would still need savings of $75,000. A metropolitan two-person household with a ‘no frills’ lifestyle would require $195,000 savings at retirement inaddition to NZ Super. The guidelines say the key inflationary drivers for superannuants for the 12 months ending 30 June 2022 were transport, and housing and household utilities. Consilium managing director, Scott Alman, says it’s clear people need to think carefully about planning for their retirement, and getting sound financial advice is the best way to start.

62 | Plusliving+ www.plusliving.co.nz

“It starts with budgeting and spending carefully and flows from there. Set a target, put a plan in place and chip away at it to ensure there is a good nest egg for when you retire. “It’s never too early to start planning.” Financial Advice chief executive, Katrina Shanks, welcomed the report, saying it is a further timely reminder about the need for people to plan for their retirement. “We need to drill home to people that they must start thinking seriously about saving for their retirement from an early age or they will struggle to live the lifestyle they want to once they stop work, and these guidelines clearly show what people need to aim for. “Other research conducted for Financial Advice NZ shows the majority of those who seek professional advice will be better off in their retirement than those who don’t, so planning early and seeking advice on just how to do that seems to be the best method for achieving top results.”

Funeral Directors

Mark Mortlock

Tracey Brown

www.plusliving.co.nz Plusliving+ | 63

Funeral Directors

What to look for when selecting a funeral director By Gillian Boyes, Funeral Directors Association CEO.

The death of someone close is a time of sadness when a range of emotions are experienced. Having a meaningful farewell allows your loved ones to gather, support one another, remember, and celebrate your life and begin the journey of saying goodbye. Funeral directors have a complex and vitally important event to organise and run for a family who are highly emotional with grief. Funerals are a one-off event and cannot be rerun if something is not right and what is more, we are only just beginning to discover the long-term harm of a poorly run funeral or indeed no funeral at all. Mental wellbeing is not something we fully understand, and grief is one of the most powerful emotions that can negatively impact on our mental well-being if it is not managed well. A meaningful farewell makes a positive contribution to our grieving and our mental well-being. We need to remember that a funeral is for the living. It is the start of the process where a family comes to terms with the sudden loss of a loved one and starts to understand how life will now be different with that person not being physically present as they were. One of our most precious gifts to our family when we go is a meaningful farewell to help them along that journey. So how can we avoid the scammers, the cowboys, and also make sure that we leave our loved ones with the precious gift of a meaningful farewell? We find someone who knows what they are doing and ask them to do it. So how do we find such a person and how do we know if they do know what they are doing?

1. Find a funeral director who is committed to a written set

of standards with ethical principles and ask for a copy. This provides the evidence that they know what they are doing because it is written down. As part of that also ask to see a copy of their contract for service. This sets out what they will deliver and what you or your estate will pay for. Finally ask for a written estimate so you know the cost before the event and not have it as a surprise afterwards.

64 | Plusliving+ www.plusliving.co.nz

2. Find a funeral director who is subject to a regular inspection process to make sure that they are complying with the standards they have.

3. Find a funeral director who is subject to an independent

complaints process. If something goes wrong or just isn’t quite right, you need someone you can go to, to get advice or help and who has the power to do something to make it right. That someone must be independent to make the process worthwhile and the funeral director must submit to that process.

4. Find a funeral director who is part of a national organisation

that provides training and professional development so that the funeral director keeps up to date with current legislation and the latest thinking on how to make a farewell meaningful. Quite frankly, there are no real surprises in this list, and it is what you should expert when dealing with any professional or trades person. You can find funeral directors who meet these four simple requirements and can be your assurance of a meaningful farewell. Make sure that precious gift is all you want it to be, and your family needs it to be. For your assurance of a meaningful farewell, visit www.funeraldirectors.co.nz, to find your local Funeral Directors Association member.

Funeral Directors

They showed you nothing but love. Let us help you show a little back. There are certain people in life who shape who you are. Special people who were always there to give you advice, support, comfort and love. When the time comes to bid them farewell, make sure to farewell them properly. Talk to us we’ll help you do exactly that.

31 Ocean View Road, Northcote 09 489 5737 | office@hmorris.co.nz

A Funeral Director walks into a nightclub (Trust us you haven’t heard this before). H Morris Funeral Services has a colourful past, in part due to the iconic Romaleigh building they are now situated in. Let us explain. H Morris Funeral Services was founded in 1933 by H and F Morris in Devonport. In 1994 they sold the business to Ray and Pat Jagger who moved the business to Northcote, and the Romaleigh building, in 1995. The winds of change It was quite a change. For many years, the Romaleigh building had been a nightclub where young folk jitterbugged

and boogie-woogied to Rock and Roll. Recently, a sprightly 94-year-old Northcote resident regaled the H Morris staff with stories of fun, love and dancing on the tables there back in the day. In fact, not only did she meet her man here, but she married him here too, as for a few years afterwards, the nightclub changed hands again and became a wedding reception venue.

And it’s been transformed again recently. Completely refurbished and refreshed. When you walk through the door, you’re welcomed by experienced staff who are committed to looking after you and your family. A team that is part of your community and love what they do. Who take the time to listen carefully and explore your choices. If you want rock and roll played at your funeral, they’ll understand. It’s your choice. The only thing that matters is that the funeral is right for you and your family.

If you feel inclined, you’re always welcome to drop in to learn more about the history of the magnificent Romaleigh Chapel, to see the new décor, or to meet the dedicated, happy team. 31 Ocean View Road Northcote Auckland 0627 (09) 489 5737 Hmorris.co.nz www.facebook.com/ MorrisFunerals

www.plusliving.co.nz Plusliving+ | 65

The best way to find yourself is to lose yourself in the service of others Originally, these words were spoken by Mahatma Gandi but they could easily be used to describe the inner workings of the Forrest Funeral Services here on the North Shore. It is only when you have lost a loved one yourself that you fully understand the loss others are going through. Forrest’s truly understand how difficult this time can be, so trust, respect, and openness are paramount. When Forrest’s take your loved one into their care, they become part of the family, cared for in the way family do. Every funeral is of the highest standard in care and respect, with our private chapels always available for family and friends to say their goodbyes in private. Part of the community Part of the North Shore and Hibiscus Coast communities for over four decades, Forrest Funeral Services has gained a reputation for caring and professional staff and service, whether it be the Funeral Directors Graeme Rodgers and Leanne Little, or their experienced support staff. Forrest’s

offer two Chapels, one in Glen Road, Browns Bay and the other in Riverside Road, Orewa, both of which have been completely refurbished providing a warm, inviting and restful space. Guiding Family and friends Forrest’s prioritize choice, flexibility and access to information, to ensure the decisions you and your family make are the right ones that lead to a funeral that is both meaningful and immensely personal to each and every family and extended family member. It’s very normal to need time to think when someone dies, therefore Forrest’s give you the time to think, without rushing, to plan a funeral. Once you’re ready, they sit with you and gently discuss what matters to you, taking you through choices like cremation or burial, as well as asking about things you may not have thought about, like who will carry the coffin, or the tone of the celebrant. Whatever the questions, or uncertainty, Forrest’s provides the answers or options with the utmost consideration and care. Organising the details An important task Forrest’s take on is taking care of all the components that go into a funeral, both large and small,

taking the time to listen carefully and exploring which choices are right for you. This means talking through things like registering of the death, choosing a casket or help with writing a eulogy and planning the driving route to the service. Forrest’s purpose is to provide any service or manage any issue so you don’t have to, to ensure you have the best possible farewell of your loved one, that will be warmly remembered for years to come. Tailored to your needs Some people want a simple, no fuss affair. Others, something more colourful and unique. There’s no right or wrong. Forrest’s understand that people are different and their wishes are too. The most important thing is that the funeral is right for you and your family. The Forrest Funeral Services team understand their community because they’re part of it. They live in the East Coast Bays and Hibiscus Coast communities and have done for over 40 years. They are immensely proud of the professional, caring services they provide to their community.

8 Glen Road, Browns Bay 09 479 5967 39 Riverside Road, Orewa 09 426 7950 www.forrests.co.nz 66 | Plusliving+ www.plusliving.co.nz

Plan your funeral. Then enjoy your life. Planning your own funeral is never an easy thing to do. However, almost everyone says that once they’ve taken care of these essential arrangements, a weight has been taken off their shoulders. With premises in Browns Bay and Orewa, we’ve been part of the North Shore community for over 40 years now. Whatever your choices, whatever your traditions, whatever your budget, at Forrest’s we’re here to help you celebrate the life you lived, your way.

8 Glen Road, Browns Bay 09 479 5956

39 Riverside Road, Orewa 09 426 7950

TIME TO SELL-EBRATE!

Scan the QR code to read our ‘Sold Stories’

Anita 021 337 093 Kieran 021 949 108 Cooper & Co Limited, Licensed Agent REA 2008

Cooper & Co

YOUR #1 CHOICE FOR REAL ESTATE ON THE

Hibiscus Coast