Plus Living + Otago / Central Otago Issue #3

Stress out

Why you shouldn’t worry about worrying

Making the most of every day

8 tips which involve doing surprisingly little

An essential mindset to help you navigate modern life

Bang for your buck

Getting more out of your money

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Mercy Hospital is proud to have been providing ‘exceptional care that makes a difference’ to the people of Otago and Southland for 87 years.

Situated in a tranquil, parkland setting in central Dunedin, Mercy’s campus encompasses a surgical hospital, day surgery facility Manaaki, as well as joint ventures Mercy Cancer Care and Mercy Heart Centre. In addition, a full range of medical specialists consult on site at Mercy Care East and Marinoto Clinic; conveniently located alongside a Southern Community Laboratories collection centre and Pacific Radiology. Free car parking and a popular café are also onsite.

Mercy’s story began with the Sisters of Mercy and their arrival in Dunedin in 1897. Soon after, the Sisters began fund raising for a second hospital to serve the city. This goal was realised with the opening of Mercy Hospital in 1936. Since then, the organisation’s mission has remained the same: delivery of exceptional health care.

As a not for profit organisation, Mercy proudly continues the legacy of its founders through charitable outreach. Every year, Mercy invests substantially in community organisations to assist them in delivering their programmes to those most in need. Mercy also offers surgical fees relief for patients who are unlikely to receive timely surgical intervention in the public sector and have no other means of accessing the care they need.

Mercy Hospital Dunedin hosts eight operating theatres, a state of the art intensive care unit and three inpatient wards. Patients are cared for in a supportive environment served by professional, highly skilled and dedicated staff.

Mercy continues to grow its services, most recently with the opening of a third inpatient ward, Callaghan Ward in 2021 and a redeveloped and expanded intensive care unit in 2022. Plans are underway for a ninth operating theatre to ensure that Mercy remains equipped to serve the future health needs of the Otago and Southland community.

For more information about any of Mercy’s services, visit www.mercyhospital.org.nz. To have surgery at Mercy Hospital, please speak to your GP, who can refer you to one of our specialists.

The freedom a little organisation offers

This issue of Plusliving takes a practical look at how impactful even a modicum of self-organisation can be.

The good news is getting more organised doesn’t need to be difficult. The piece ‘Making the most of every day’ includes productivity tips which involve doing surprisingly little, and ‘Keeping time on your side’ has simple ideas to help you stay on track time-wise.

We also look at how to make better decisions, delve into the benefits of being financially organised, and even if you’re concerned that you’re chronically unorganised, talk about why you shouldn’t really worry about it.

No matter how well planned your days may or may not be, our lead story ‘The power of gratitude’ can benefit anyone by reminding us all of an essential mindset perhaps needed now more than ever.

Enjoy.

EditorJonathonTaylor

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Publisher: The Job Agency Ltd T|A Markat

38 Lowe Street, Addington, Christchurch 8011

Managing Director: Gary Collins

GM of Operations: Kylie Palermo

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(03) 961 5184 | sales@markat.co.nz

Editor: Jonathon Taylor

(03) 961 5098 | editor@markat.co.nz

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(03) 961 5088 | jarred@markat.co.nz

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WELL AND AGEING GRACEFULLY IN A MODERN SOCIETY

– the magazine dedicated to living well and ageing gracefully in modern society. Aimed at the 50+ age group, you’ll

Welcome

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. 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.

Making the most of every day

Eight productivity tips which involve little

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It’s easy to assume that doing as much as possible and filling every hour of the day is the best way to be productive. In fact, sometimes the opposite is true.

Robert Half New Zealand general manager Megan Alexander says “It’s not always about pushing ourselves to do more and more. Rather, global perceptions of productivity are changing to favour more flexible and people-centred work styles.

By encouraging rest periods and more flexible work options, people actually focused their attention more effectively. “They could produce just as much, often to a higher quality, and were more loyal to the organisations that gave them the flexibility to care about life outside of work.”

Finding yourself in a productivity rut? Megan shares eight productivity tips that everyone can adopt which involve doing surprisingly little.

1. A tired brain is a useless brain

When considering how to be productive, think about how you can boost your energy levels. Rest plays a key part in this.

To give your brain a chance to recharge and avoid burnout and fatigue,

try some age-old resting techniques. Some people love daytime naps (which may be restricted to weekends, depending on how progressive your workplace is), and others practice guided meditation on a daily basis.

2. Make switching off part of your daily routine

Switching off from the online world sounds impossible these days, but it’s worth considering – at least in short bursts. We consume more information now than ever before simply because it’s right at our fingertips. However, this can mess with our brains.

Set some time aside at night to deliberately wind down and switch off, perhaps starting with a technology-free hour before bed. This has been proven to increase the quality of sleep and reduce insomnia, which in turn will do wonders for your productivity during the workday.

3. Manage email overkill

That familiar pinging sound goes off and you feel the tension rise. You can no longer concentrate on the task at hand, instead you feel the pressure to reply to every email that’s beeped at you – and quickly. It’s time to manage your email program (and its incessant notifications), but if you think lessening your email time sounds unrealistic or unproductive, then think again.

In today’s fast-paced world, everyone appears to be action-orientated and being “busy” is

like a badge of honour.

When thinking about time management tips and improving productivity, research has shown that establishing boundaries between emails, concentrating on other work and work-free time is a lesson in how to be productive.

Then you can set designated time to respond to emails when you’re in the right frame of mind, making better use of your time and creating more considered replies.

4. Hold off on making rush decisions

At times it may feel like you are under pressure to make an immediate decision, like giving feedback on a piece of work or responding to a colleague about an internal situation.

Taking a bit of extra time to think about the solution and next steps can prevent a lot of back and forth in the long run. Assess the urgency of a situation and then decide appropriately.

5. Step back from technology frustration

Technology is great when it works, yet there’s nothing more frustrating than a computer that’s frozen up or a software system that refuses to behave itself. Let alone someone suggesting that you “try turning it off and on again”.

Instead of getting wound up, try taking a few minutes to think calmly through a solution and take some deep breaths. It can save time and energy in the long run.

6. Don’t let emotions get the better of you

It’s easy to act defensively when you receive an inquisitive email or when a colleague seems to be coming across offensively. Instead of reacting immediately, it’s wiser to step back and cool off. You’ll come back to it with a clearer and calmer head, which will only have a positive effect on your productivity levels.

7. Take advantage of the wealth of fantastic apps now available

While technology can be a huge distraction during the day, it can help boost your productivity. It’s worth trying some productivity-boosting apps.

A couple of the most popular include Wunderlist (a new take on the old-fashioned to-do list) and Pomodoro (a timer to help you focus on one task at a time). And in keeping with the meditation suggestion, Headspace is a great resource to use to help make this a daily practice.

8. Use designated breaks to get out and exercise

Getting angry, frustrated or overwhelmed by work or colleagues? It’s time to run or walk it out. Even half an hour of exercise a day, which can be done before or after work or during your lunch break, is great for your mind and motivation.

Getting outside is the best option if you can: fresh air boosts your mood and energy levels, which can be a great productivity boost during your workday.

“Doing nothing might sound like the fast track to wasting time, but it could be the answer to getting through that ever-growing to-do list. It’s worth a shot. After all, it won’t take much effort,” Megan says.

By Timmi Aplin-Barrett

Lifestyles

Formation Wedge Speaker

From Bowers and Wilkins comes an immersive home wireless sound system with room-filling audio from one stylishly shaped and finished speaker. A graceful shape angles the array of two teeters, two midrange drivers plus a subwoofer to form a perfect stereo image. This sleek speaker is compatible with pretty much anything and comes in black and white.

Roomba j7

The j7 Roomba is iRobot’s latest smart vacuum. With 10 times more suction than a previous model and unique intelligence to avoid cords and pet waste, this robot vacuum takes all the hassle out of keeping your home clean. It will learn to anticipate your needs such as when you’re home or at work, pet moulting season and when your area has a high pollen count.

RRP: $1,399.90 www.shopirobot.co.nz

Collezióne Tibetan Lamb Throw

This luxurious lamb throw will bring the elegant beauty of the wild into your home. The carefully sourced Tibetan fur is warm, soft and durable. This natural piece will add a sumptuous feel and timeless style to your living space.

RRP: $1,995

www.luxurylinen.co.nz

Melt Stand Chandelier Gold

Combining art and technology, this floor lamp brings lighting to a whole new level. Designer Tom Dixon has experimented with the technologically advanced field of vacuum metallisation to create an eye-catching piece. The melt is also available as pendants, table, floor and surface lights and has seven gold shades available.

RRP: From $15,155 www.ecc.co.nz

RRP: $2,499

www.soundlab.co.nz

Goccia Coffee Table

This New Zealand made coffee table is a modern twist on an old classic. It features a tempered glass top and the bases are available in rimu, ash with a white washed stain finish and oak with a natural stain finish. The glass top and broad legs make this artistic coffee table child-safe.

RRP: $1,439 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.

CELEBRATING 30 YEARS

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Let me answer your questions and show you around Rosebank. Our friendly community is just what you have been waiting for.

Sue Prowse, General Manager

Keeping ontimeyour side

Let messages wait

Keeping a constant vigil on your email and voicemail can distract you from more demanding tasks and can end up occupying lots of time. Schedule times throughout the day when you focus exclusively on messages. You’ll cut down on ongoing anxiety while making your responses less hasty and more useful.

Both work and home life are easily derailed by time-eaters such as meetings, ad hoc requests and the distractions enabled by technology – including email and mobile phones.

Having difficulty meeting goals is a common problem both professionally and personally.

The situation can be greatly improved however, by making some simple adjustments.

The real secret to time management – and accomplishing objectives – is better self-management. Here are six tips that can help you take control of your day.

Analyse your schedule

Where does your time really go? For the next week, make a point to write down what you do and when during either the work day, or when you have a lot of errands to run.

Examining how you spend a typical day will help you to identify when you are most productive and in what ways (or by whom) you are most often interrupted or distracted.

Create ‘time windows’

After you’ve determined what can be changed in your current schedule, develop an action plan.

Think about setting aside “time windows” for specific tasks, such as reviewing emails, making and returning phone calls, or doing those daily things the just need to be done.

Also, create a regular schedule that takes advantage of your body clock – if you are sharpest before lunchtime, schedule more difficult tasks for completion in the morning hours.

Rediscover single-tasking

You can’t solve a technical challenge while talking on the phone, filing paperwork or planning for an upcoming event.

When you’re occupied with something important, give the issue at hand your undivided attention so you do it right the first time. Fight the urge to multitask, which often impedes your ability to get already started tasks finished.

Give yourself permission to ‘check out’

This is a good one for work, be it at an office or working from home. If unnecessary interruptions tend to prevent you from completing important tasks, don’t be afraid to close the door, or advise your colleagues that you are off limits for the next few hours, so you can focus on your work.

Reward yourself

Keeping to a schedule, no matter how personalised or flexible, is challenging because it takes discipline.

Give yourself credit for adhering to your agenda and accomplishing all “must-do-today” items.

Be realistic too – some days you will be more productive than others, so don’t worry if you get off track temporarily.

Ensure you also create a balanced schedule that makes the most effective use of your time while allowing you to do things for yourself.

Most people have experienced “time regret” – that feeling of frustration over yet another day passing by without having made a significant dent in the ‘to do’ list.

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Stress out

Why you shouldn’t worry about worrying

History is full of poets, philosophers and sages espousing the benefits of a positive disposition.

But it seems scientists disagree. Why? Because it pays to worry a little bit - literally.

A study published in the Journal of Behavioural Decision Making in 2012 monitored 213 people’s behaviour in relation to a simulated gambling game.

The study found participants in a sad or worrisome mood were more likely to make logical bets they knew had a higher likelihood of winning, even after a series of losses.

Whereas positive, happy bettors were quicker and more likely to play what they knew was a riskier move. Their jovial outlook influenced them to make unpredictable decisions on gut feelings, despite the opportunity to play a logical bet.

The study shows you are more likely to make winning decisions while you are in an anxious, worried state of mind.

But these findings don’t just apply to gambling.

The positive effect of this negative feeling can impact all aspects of your life and in moderation, worry can work wonders.

Sometimes a negative attitude is actually beneficial trait to have because it allows you to look at a situation in a more realistic light.

Feeling worried means you are more likely to make a logical decision with a higher outcome of success, compared with your cheerful counterpart in the same situation.

Worry can be the side effect of a strong desire to achieve perfection. And in the pursuit of perfection worry can prompt you to double check and even triple check your work.

Without worry there is a risk you can become complacent, a little too relaxed and more likely to make a mistake.

Under a moderate amount of worry you are capable of learning and remembering new information more effectively.

This is because the primary stress hormone, cortisol, improves learning and memory at moderate concentrations compared to low or high concentrations.

People who are more susceptible to worry consequently exhibit the following personality traits:

Pros

• More attentive to detail

• More motivated to work

• More polite and attentive to others

• Vigilant for risks and threats.

Cons

• Overcautious

• Less creative

• At risk of becoming too stressed

• More closed minded.

In comparison, worry-free people exhibit these contrasting behaviours:

Pros

• More creative

• Form better relationships

• Healthier

• Willing to explore.

Cons

• Prone to overlooking threats and dangers

• Open to unwise risks

• More gullible

• Lacking appropriate embarrassment or guilt.

Leave no spot unchecked with a Full Body MoleMap

Worried you’ve spent too much time in the sun? Or concerned about a new or changing mole? Give your skin its best chance with an expert skin cancer check by MoleMap.

Melanoma is fast growing and can quickly become deadly.

1. Around 4,000 New Zealanders will be diagnosed with it this year alone.

2. Approximately 70% of those cases will be in people aged 50 years and older.

3. However, the good news is that melanoma is almost always preventable if it’s detected early enough.

That’s why MoleMap uses specialist technology that’s designed to look deep inside a mole’s structure to detect any early signs of potential skin cancer early. And why our proven skin-mapping system

combines a head-to-toe skin check and total body photography by Melanographer nurses with expert diagnosis of any suspicious moles by specialist Dermatologists.

When it comes to detecting melanoma early, it’s your skin’s best chance.

MoleMap appointments are available in Dunedin weekly Mon to Fri. Clinics are also held regularly in Balclutha, Gore, Invercargill, Queenstown, Clyde, Wanaka, Oamaru, Timaru, Fairlie, Twizel and Ashburton.

SuperGold cardholders get $50 off a Full Body MoleMap.

Simply book online at molemap.co.nz or call 0800 665 362 and use the promo code ‘GOLD50’.

References:

1. https://www.melanoma.org.nz/early-detection

2,3. https://www.melanoma.org.nz/facts-risk-factors

Are you at risk of melanoma?

Did you know that New Zealand has the highest rate of melanoma in the world?

Every day, around 7 New Zealanders are diagnosed with melanoma - it’s the most serious form of skin cancer and it can quickly become deadly. 1,2

That’s why MoleMap’s proven skin-mapping system is designed to detect skin cancers such as melanoma early – when it’s most treatable. 3

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Know that your skin is in check with 15% off all MoleMap services for SuperGold cardholders – simply book online at molemap.co.nz or call 0800 665 362 and use the promo code ‘GOLD15’

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References: 1. Health Promotion Agency and the Melanoma Network of New Zealand (MelNet) 2017: New Zealand Skin Cancer Primary Prevention and Early Detection Strategy 2017 to 2022. 2. https://www.melanoma.org.nz/facts-risk-factors 3. https://www.melanoma.org.nz/early-detection

How to make better decisions

Consider both costs and benefits

One factor we often forget is the 'opportunity cost'. When we do one thing, we can't be doing something else at the same time. It’s either or. When you watch TV, the benefits are relaxation and enjoyment – but the cost is that you can't use that same time to read a business book. Therefore, force yourself to list the pros and cons.

Justify yourself

When we think someone will check up on us, we make more mental effort, leading to better decision-making. Imagine you have to justify your decision to someone else. Would you still make that decision?

Distance yourself from the issue

Our brains are influenced by our current emotions, which can impair rationality. Big decisions are better made after a good night's sleep. Step back and consider the likely chain of events. What are the future implications of this decision?

Don't believe the hype

It's easy to be persuaded by vivid stories and ignore scientific evidence. Look carefully at the information source and sample size – are you being manipulated?

Make fewer decisions

Peter Drucker said effective executives do not make many decisions, they concentrate on making a few important ones. Make the big strategic decisions, rather than try to solve lots of little problems.

Do not make fast decisions. Make the right decisions that have the biggest impact.

What would Spock do?

Just reminding ourselves to think rationally helps us make better decisions. Consciously trying to think rationally will also help activate all the other techniques described here.

High-quality aluminium joinery

As part of the Fairview Group, we are known as the one-stop shop having access to in-house extrusions, hardware and our own double-glazing supply.

Based on our reputation and experience, we are enjoying the return of third-generation clients who are now looking to utilise our knowledge to fulfil their joinery dreams

Our company started out as Hylight Aluminium in 2010 and then was renamed South Otago Windows and Doors, which reflected our extended area of operations.

Since we rebranded to Fairview South Otago in 2015, we have been providing homeowners and builders across Otago and Southland with high-quality aluminium joinery for over 25 years. Our company is all about providing exceptional windows and doors.

Peter Gray, our sales manager has a wealth of knowledge having come from the building supply sector. He would love to hear from you if you are thinking about new or replacement joinery.

Our range of top-quality aluminium comprises entry-level through to bespoke architecture for the discerning residential market.

Feel free to check out our website for more information about us, see our windows and doors, brochures and other information for our clients, photos of our work, a glossary, testimonials from previous clients, a FAQ, and our contact details here: www.fairviewsouthotago.co.nz

If you want supportive, experienced advice and customer-focused service, call our team first at (03) 417 8264. For any other enquiries, head to our store located at 46 Tokoiti Road, Milton, South Otago, or alternatively email: peter@sowd.co.nz

Our store is open from Monday to Friday from 8am until 5pm.

Our friendly team looks forward to hearing your enquiry!

Commercial & Residential Windows, Doors and Conservatories

We’ve been providing home owners and builders across Otago and Southland with high quality aluminium joinery for over 25 years.

If you want helpful, experienced advice and customer focused service, call us first.

Proudly owned and operated by Laurence and Paula McLeod, Fairview South Otago is a family business that was established in 1994 by Laurence’s parents Brian and Joan McLeod.

The power of gratitude

Everyone has their own memories of getting through that first Level four Lockdown and for so many it marked a period of terrible change, even an end of an era.

While we never want to belittle the myriad challenges people around the globe have faced since, we are forever aware of the large body of scientific research demonstrating the psychological benefits of gratitude.

Tuning into what’s still good in our world (cognitive reappraisal) is a foundational skill for resilience.

Multiple studies have demonstrated the psychological benefits of noticing positive events, gratitude, mindful awareness, positive reappraisal, the use of personal strengths and acts of kindness during times of significant stress, and suggested the importance of these strategies for supporting people through the ongoing challenges of the pandemic (Waters et al, 2021).

Gratitude is just one positive emotion that serves to buffer and bolster mental health in times of adversity and stress, aiding recovery from loss and trauma via widening perceptual field and allowing people to see the big picture (Vernon et al., 2009).

Kim Tay, director of online training from the New Zealand Institute of Wellbeing and Resilience says, “There’s no doubt the past year has been tough, and we don’t want to diminish that, but wherever you are on the spectrum of how the pandemic has impacted you, taking a moment to notice what’s still good in your world, and particularly who you are

grateful for, is such a powerful way of broadening our perspective and enabling us to cope in the face of uncertainty, challenge and change.

“The benefits of a grateful mindset and grateful orientation toward life would appear to be especially valuable in the midst of uncontrollable stress, such as that engendered by the coronavirus crisis,” reports Professor Lea Waters and colleagues from around the world in their paper on psychological strategies for ‘buffering, bolstering and building’ psychological health.

And so, we encourage you, your colleagues, your teams, families, whānau and communities to make an intentional effort to tune into the good at this time.

To pause and reflect, for a moment, on the magnificent job done by all the people involved with delivering essential services, on the extraordinary ways families coped with homeschooling, and the businesses and organisations of all shapes and sizes doing their utmost to keep going.

Consider all those behind-the-scenes legends who keep New Zealand moving through adversity, never seeking the limelight or praise, and the massive contribution they make every day of the year.

We encourage you to take a moment to ponder, who is essential to you and your way of life?

It could be anyone involved in keeping your whānau safe and healthy, the food flowing, the power on, the rubbish collected. Or simply someone you can’t imagine facing the tough times without.

Questions you can ask yourself:

• Who are you grateful for?

• Who wouldn’t you want to live without?

• Who stood up for you last year – at work or home?

• Who are you most proud of?

• Have you ever thought of thanking the people behind the essential services in some way?

A year and a half ago, the whole of Aotearoa (and indeed the wider world) stepped up for the first big Covid lockdown.

Together our nation united to face the largest health challenge facing the country since the First World War.

An essential mindset to help you navigate modern life

Experience Te Anau with Aden Motel

Nestled beside one of New Zealand’s largest lakes and surrounded by magnificent scenery, Te Anau is the one true gateway to the Fiordland National Park.

Conveniently located on Quintin Drive, situated in the beautiful township, your hosts, Irene Benfell & David Herron, welcome you to the Aden Motel.

“I would stay here again without hesitation.”

This comment is just one of the many rave-reviews their motel has received online from its visitors.

Indeed, with a 12-unit, ground-floor complex consisting of seven studio units, three one-bedroom units and two, two-bedroom units –Aden Motel offers a range of quality accommodation options with all the facilities a guest could possibly ask for.

The rooms are decorated with a Kiwiana theme, and are wellequipped with kitchen facilities, comfortable lounge areas and bathroom facilities, as well as free wireless internet in all rooms.

Plus, the Aden Motel also now offer a three-bedroom cottage, which sleeps up to eight people right next to the Motel called Heron’s Cottage.

Ample parking with off street boat parking, guest laundry, playground, car and luggage storage and a BBQ for those lovely summer nights is also available.

With easy access to the nearby Fiordland National Park, it provides a convenient base camp to those who wish to catch a glimpse of the glacier-carved fiord of Doubtful and Milford sounds, or explore the many other magnificent sights and sounds that the area has on offer.

Let the team help you organise day trips to experience the glowworm caves, horse trekking, jet-boating, and many more activities Te Anau offers.

With super friendly staff, superb services and great prices, Aden Motel ticks all the boxes for location, attractions and services and is the ideal place to stay while you’re experiencing this magical part of New Zealand.

Book your getaway with them today at adenmotel.co.nz

•

•

•

• Fishing (Fly & Boat)

Just an example of what else you can do so come stay and enjoy our lovely town.

Keeping your will up to date

Your will should not be a document which you write once and never look at again. As life changes, your will may need to reflect this.

Wills should be reviewed every three to four years, so that you ensure you have included, or in some instances excluded, benefactors.

For instance, if a spouse dies or more grandchildren have been born, these are times to take another look at your will to make sure it is a true reflection of the legacy you want to leave.

Remember, that your last will and testament is the legal document that has your final wishes. It is the instructions that will be left for your executor to carry out and really needs to accurately reflect what you have and who you want to leave it to.

There have been instances where an ex-spouse has forgotten to remove their former husband or wife from the will. This has resulted in shock and anger from children at an already stressful time and lengthy and costly court battles to rectify the situation.

If you have inherited money or assets, gone into or sold a business or your financial situation has drastically changed, these are times when you should review your will.

You may have inherited heirlooms from a family member since writing your original will and you may want to make sure you leave those precious family keepsakes are passed on to a member of your family.

It can also include such things as funeral arrangements including burial wishes, so it is important to get them on the will so there is no confusion.

A living will

The Public Trust website also advises that if your medical situation changes then it is a good time to consider a living will.

“A living will, also called an “advance directive”, states what medical care you should be given if you become physically or mentally unable to decide. You might want to make a living will saying you should or shouldn’t be resuscitated or that you want life support turned off in certain circumstances.

“Medical professionals can’t ignore an advance directive unless there are reasonable grounds to doubt its validity.”

It is relatively easy to update your will. Your lawyer or a Public Trust representative can assist you with this process.

Times when you should update your will

• Change of marital status

• When your financial situation changes

• Your partner or spouse dies

• Your health changes

• Already-named benefactors have passed away

• The birth or adoption of a family member

• The acquisition or sale of a significant asset

• Children reach 18 years

• If you have come into an inheritance.

Bang for your buck Getting more out of your money

Should you live for today or for tomorrow? Should you take a holiday on a Pacific Island or pay off the car loan?

When it comes to managing your money, it is hard to find the right balance and there is no absolutely right or wrong answer. The right answer for you depends primarily on what your priorities are.

Most people earn between $1 million and $2 million in their lifetime, but manage to save very little of what they earn. The problem is not our income, it’s what we spend.

So how can we make the most of what we earn?

Five key principles to stick to:

• Take control of your money and control your life

• Spend less than you earn

• Set aside a percentage of every dollar of your income and live off the rest

• Let time and compound interest work for you

• Invest in yourself — especially your skills and qualifications.

In practice, this means paying off debt and focusing on saving.

According to the IFA, this includes joining a subsidised superannuation scheme such as KiwiSaver, paying off high-cost short term debt, creating

an emergency cash fund, paying off your home mortgage as soon as possible and establishing a long-term savings plan.

That may sound difficult right now, but the best way to start managing your money is to draw up a budget. Your budget will consist of your income, your expenses including fixed and variable costs, and discretionary spending.

Remember that in the long run even the fixed costs like your house and car are choices that you make and if they cost too much, you can change that. How much you spend on the discretionary items is also your choice, which means that how much you have left over for saving is entirely your decision.

Money management tips:

• Watch your cash expenses — cash from ATMs can add up very quickly

• Beware of luxuries dressed as necessities

• How much you buy is a choice; e.g., clothing

• Aim to spend no more than 90 percent of your income

– this allows you to pay for some of the big-ticket items

• Beware of spending creep as your income rises

• Give yourself a credit card haircut

• Never spend more than $100 on anything without taking 48 hours to think about it.

Recognising online scams

– what to watch out for

According to the 2019 Annual Report from Netsafe, nearly $23 million was reported as lost to scammers.

There were 16,355 scam reports with 2,343 scams involving financial losses. The best way to protect yourself is to be aware that scams exist and understand the common tactics used to open up your wallet and spill your information.

What are some of the most common types of scams on the internet? You may have encountered some without even realising it.

Phishing scams

Phishing, or the fraudulent practice of posing as a reputable company to obtain personal information like passwords and credit card numbers, can happen to anyone. It can be someone posing as your bank, your Netflix account, or even an alternative email of yours.

Example: You open your emails to see your bank requesting you log in to check on suspicious activity on your account. The log in page looks exactly like it does on your online banking app!

However, when you click on the email sender, the email looks a little bit strange. When you look at the domain name (the part of the email address after the @ symbol), it misspelled the name of the bank. If this is the case, contact your bank independently from details on the back of your card or from an independent search you can trust.

Romance scams

Through dating websites, apps, and even social media, dating scammers reach out pretending to be prospective partners. They take advantage of people using emotions to lure you in to giving them money, gifts or personal details.

A lot of romance scammers catfish people, or use fake pictures and details, and make up online profiles to lull people into a false sense of security.

The scammer will go to great lengths to gain their victim’s trust and to keep them romantically interested, from professing their love and even

sending gifts. A lot of times they can take months to establish this trust and may even pretend to book flights to come visit but don’t actually come because of some excuse or another.

Example: One of the most common romance scams is pretending to have a personal emergency that requires a lot of money, like an ill family member or that the scammer is stranded somewhere without credit cards. They’ll then ask for money (or even manipulate the victim into offering it).

Shopping scams

A lot of online sellers are legitimate, but some scammers set up fake websites to rip off shoppers trying to find the best bargains.

These websites can use modern layouts and designs, even having a “.co. nz” domain name to make it seem like an actual New Zealand business.

Other times, the business even advertises on your Facebook or Instagram page, giving it an extra air of legitimacy.

Often, the fake website’s biggest draw are really discounted prices. The victim can either receive a knock off item or no item will ever come through the mail.

One of the biggest giveaways of a shopping scam website is they ask the customer to pay via money order or wire transfer. Legitimate companies will offer a secure payment option like credit/debit card, PayPal, and POLi payments.

Cafe & Chalets

Escape to Central Otago

Come to Central Otago to explore the Teviot Valley and stay at Benger Garden café and chalets.

You will be blown away by the wide range of flowers and trees that surround the café and chalets.

The café has a beautiful, massive outdoor seating area with magnificent birds and gardens.

The Benger Garden Chalets were built at the end of 2021 and are stunning and comfortable to stay in.

The chalets have a scenic garden landscape and a busy café right next door for you to eat meals and have drinks while exploring this gorgeous

area located in Ettrick, close to Millers Flat and Roxburgh.

The team is very flexible and can accommodate you with any of your requirements and desires.

Stay at the award-winning chalets, so you can go biking, walking, viewing the history, swimming at the local pool or at the famous Pinders Pond.

Come for a special treat to enjoy the pet-friendly, new accommodation with homemade goods and amazing views.

The cafe next door provides an excellent carrier of food from 7:30am to 5pm, seven days a week. It’s also open for catering in-house or out.

bengergardencafe.co.nz

Wall to wall choices

There are many ways to fill these vertical spaces, but before you pick out your photos and wall décor, how are you going to surface the walls?

The first instinct for many of us in New Zealand is to reach for the white paint. Using the same white paint throughout a rental property is expected, but it’s a bit drab when a house is absentmindedly doused in it. It says: ‘yeah, this place is just one rung on my way up the property ladder’. Even if it’s true, that doesn’t really translate to ‘home sweet home’ does it?

Plus, it’s a shame to leave so much potential untapped. Sometimes we go for the safe choice because we don’t want to have to think about all of the possibilities.

Brainstorming, however, is half the fun. With new technologies available to us the options are practically endless. Of course, it doesn't stop with paint, there’s wallpaper too.

Playing with paint

A bucket of paint is a portal to colours galore. Paint can be altered to match or complement the statement piece in your room, whether it’s a bold, hot pink couch or the intricate pattern of a family heirloom, faded with time.

Paint doesn’t have to be applied in any one way either. Different techniques, patterns and finishes can add visual interest as well.

On the flip side, it’s important to remember that painting is a process. There’s the prep work, primer and dry times to consider before applying your new paint colour.

Overenthusiastic and eager to get their colour choices on the wall, DIYers often have their bubbles burst when their paint job doesn’t turn out the way they’d hoped after skipping necessary preparations.

Wondering about wallpaper

Gone are the days of pasting wallpaper onto the wall. Nowadays DIYers have the choice between pasting wallpaper or adhesive wallpapers. Also, homeowners can further personalise their wallpaper choice with high resolution photos which can be blown up to fit the wall space. Patterns and textures are easily integrated into a space with wallpaper available in a variety of colours and materials like paper, vinyl, fabric and more.

Nevertheless, whether pasting or adhering wallpaper, wrinkles and misalignment show up easily. Also, hanging photos and wall décor is a bigger decision since holes aren’t patched in the same way as paint. Also, wallpaper, like paint, requires proper preparation before application.

Decisions, decisions

It’s not so much about which one is superior, but which is right for the space you’re creating. Both have their pros and cons, but who said you had to choose one or the other?

With the use of paint and wallpaper samples, you can really make a statement by using a bold wallpaper for a feature wall and then paint the other walls with a colour found in the wallpaper to create a cohesive look.

For many homeowners, the different walls that make up their homes are blank canvases used to create a sense of familiarity.

A healthier you

While the world around us has changed an awful lot, the one thing that hasn’t is our passion for improving the lives of our clients as well as their families.

The satisfaction from improving a customer’s health never gets old, and at Health 2000 Oamaru, we take immense pride in knowing we are assisting individuals in their pursuit to lead a healthier and happier life. Making use of quality products sourced from mother nature, we endeavour to help customers live a healthy life – whether that be through helping with illness, or by helping you be proactive and understand that prevention is better than cure.

The mission at Health 2000 Oamaru is simple and easy – to ensure that our clients leave Health 2000 content, and with a complete solution for their needs. To accomplish this, we listen to you and ask key questions to determine the best solution for your individual requirements. Our team are what makes Health 2000 Oamaru distinct and unique. Conveniently located on Thames Street, next door to Lagonda Tea Rooms come see us for all your natural health needs.

Services offered in store:

• Hair follicle scanning

• Free blood pressure testing

• Zinc testing

Disability resources

Since 1989, the team at Livingwell have provided free disability information, advice and access to resources that support independent living.

We are here for people with disability, older people, their whanau and the Otago community. With easy access on the ground floor and accessible carparks close by, Livingwell is much more visible and accessible to the community.

We offer several services

• Assessments for Total Mobility, the half price taxi scheme

• A Mobile Service covering the Otago region, providing a unique guest speaker experience

• Specialist ‘access’ advice if you are looking in improve

physical access in and around your home or community

• Disability responsiveness training/education

• Assistive products for sale and hire.

Livingwell are the sole retailer of the Merits Range of Mobility Scooters and Goldfern Electric Uplift Chairs in the region.

Livingwell Disability Resource Centre 0800 115 891 info@livingwellcentre.nz

Ground floor, Burns House, 10 George Street, Dunedin

Here at Health 2000 Oamaru, we understand that your health is your most significant asset.

Green with envy

If you haven’t begun preparing your lawn for the warmer months, now is the time to start. The experts from Kennards Hire have produced 10 handy tips to make sure that your lawn leaves your neighbours green with envy.

1. Do a good scan of your yard and remove any sticks. Rake up any leftover autumn leaves so that your lawn is receiving maximum sunlight and oxygen.

2. Make sure all of your lawn care equipment is in good working order.

3. Aerating your lawn will reduce soil compaction and increase air circulation. A well aerated lawn will become more efficient in absorbing rain and irrigation water, instead of it just running off the surface.

4. Testing your lawn’s pH levels will establish how acidic or alkaline your soil is. This will help you to determine the condition of your soil, and what your soil may require to nourish and sustain a healthy lawn.

5. If your lawn is suffering from any dead patches or is a bit sparse in some areas, this is the perfect time to sow some new seed for spring. Remove dead grass and fill with loose soil, then sow your seed. Make sure you use the same seed as the rest of your lawn.

6. Until spring really starts to kick in, keep your cutting height high and begin evening the length out. Make sure that you don’t cut

your lawn more than one third of its height, as this may expose your lawn to disease and the lingering weather extremes of winter.

7. Grass clippings are a form of organic fertiliser and a great way to keep your lawn healthy. By using a mulching mower and returning the grass clippings to your lawn you are essentially retuning 15 percent more nutrients back into your soil.

8. The key to a healthy lawn in summer is a deep root system. To create a deep lawn root system, you need to train the grass roots of the lawn to search deeper for water. This is done by reducing the time between watering, and increasing the duration that you irrigate.

9. There is nothing worse than a patchy lawn that is riddled with weeds. Hire a spray unit and use a Bindii and broad leaf herbicide to apply directly to the weeds.

10. Grass grows fastest in the warmer months, so decreasing your cutting height down to 2.5cm won’t affect it too much. During cooler months, grass grows much slower so it’s a good idea to raise your cutting height a little so as not to damage it.

Let’s wine about it

A South Island vineyard guide breaking down one of New Zealand’s biggest export industries

2020.

It’s still competitive with our English-speaking counterparts, though –for example, our neighbour and closest ally, Australia has an estimated retail market of $NZ834 million compared to our $655 million.

Within the New Zealand wine scene, the South Island is full of powerhouse regions and wineries that rival some of the best in the world, boasting some of the largest and most notable wine regions in the country.

Marlborough

Home to 90 percent of New Zealand’s Sauvignon Blanc plantings, the Marlborough region accounts for, by far and by large, the highest producing vineyard area, as well as total wine production throughout the country. This is the flagship region that put New Zealand wine on the international stage.

For the total of 39,935 hectares of vineyards across New Zealand, Marlborough alone takes up 27,808 producing hectares – Sauvignon Blanc accounts for 25,160 hectares of all the country’s plantings. That’s 63 percent of all of our wine in just Sauvignon Blanc.

It’s no wonder when you hear about New Zealand wines abroad, the first image some people think of is a cheeky Sav on a blazing hot day.

Wineries that typically spring to mind are Cloudy Bay, Villa Maria, and Wither Hills. Oyster Bay also does well internationally, with its Pinot Gris and Pinot Noir taking home medals in both the United States and the UK.

Nelson

While Nelson’s wineries only account for three percent of New Zealand’s total wine production, the region has high quality wines that aren’t beholden to any variety. From Pinot Noir to Chardonnay, Sauvignon Blanc to Aromatics, Nelson also has a funky mix of other varieties on offer.

If you wanted to experience the full spectrum of a Nelson’s wineries in one day, the region’s compressed size (the vineyards have a total of 1,102 producing hectares) gives you the ability to visit most of Nelson’s wineries in a day.

Himmelsfield Vineyard in particular has a rich history that echoes much of Nelson’s – the region’s vines have been cultivated by German settlers since the mid-1800s, and Himmelsfield Vineyard founder, Beth Eggers is the fifth-generation German descendant of immigrants who landed in Upper Moutere nearly 150 years ago.

North Canterbury

One of New Zealand’s newer wine regions with its first production established in 1978, the North Canterbury region still turns heads with wines regularly achieving critical acclaim.

A change from the top of the south’s Sauvignon dominance, North Canterbury’s largest variety is Pinot Noir – 423 hectares worth – closely followed behind by Sauvignon Blanc at 394 hectares, among other varieties that make up a total of 1,369 producing hectares at two percent of total NZ wine production.

Fiddler’s Green Vineyard & Bistro in particular, located in Waipara, is known not only for its fine wines but also for its high-class food and dining experience. Its namesake refers to 19th century maritime folklore about an afterlife for sailors with a fiddle that never stops playing and wine that never stops flowing.

When talking about North Canterbury wines, establishments such as Black Estate and Sherwood Estate are also often brought up.

Compared to the rest of the world, the wine industry in New Zealand is small but mighty. Accounting for one percent of total world wine production by volume, the industry export value is $1.8 billion as of

North Otago

A subregion of the Waitaki Valley, North Otago still catches a lot of attention for its tiny size and young age. Only with 59 producing hectares and less than one percent of New Zealand’s total wine production, a handful of passionate and inventive producers have put it on the scene, its first plantings done in 2001.

Much like its neighbour in Central Otago, the subregion’s largest producing variety is Pinot Noir, but there’s also a good mixture of Pinot Gris, Riesling and Gewürztraminer produced, among other white varieties.

Central Otago

Queen of the Pinot Noir, Central Otago is New Zealand’s third largest producing vineyard area at 1,930 hectares. Its flagship variety accounts for over 75 percent of its plantings; Pinot Noir takes up a total of 1,555 producing hectares.

Beyond some of the world’s best Pinot Noir, Central Otago also comes up with plenty of vivid white wines, such as Pinot Gris.

It’s the lowest point in the world that is hospitable to growing grapes – beyond it, you can’t grow anything. There are plenty of subregions within the Central Otago area to cater to this fact, from Bannockburn to Cromwell, from Wanaka to Alexandra.

Each subregion has its own distinctive style and flair within it, with Gibbston producing wines typically light yet intense while Cromwell is known for its silky and rich wines.

One of the most famous wineries in the region is Two Paddocks, in no small part due to the fact that its owned by award-winning actor Sam Neill. Other well known wineries include Mt Difficulty and Valli Gibbston.

The figures referred to in this article come from New Zealand Wine’s textbook and annual reports. To view more data about New Zealand’s vineyards, vintages and more, visit www.nzwine.com

will stand the test of time

Life is a highway

Take a road trip through Selwyn District and take in the sights along the way.

For those who want to step away from the hustle and bustle of the cities, cruising through Selwyn is a recipe for success.

It’s the perfect time for a road trip as summer is in full swing without the usual thrum of international tourists buzzing about.

The Great Alpine Highway

The Great Alpine Highway, or SH73, takes you from Christchurch to the West Coast on a three-and-a-half-hour scenic tour of Selwyn’s splendour – towering alpine vistas, the Canterbury Plains, past takes and rivers into Arthur’s Pass National Park.

On top of Arthur’s Pass, Selwyn District’s most well-known views are Kura Tāwhiti /Castle Hill.

Whether you want to go for a hike or a bike ride, there are camping areas to stay the night. There are also cheeky keas hanging around the campsite trying to convince you for a nibble.

Whether by road or train, the scenic views are endless and varied as you move across the plains and into the foothills and mountains.

When leaving Christchurch, you can stop by the wineries in West Melton and Burnham to taste some locally produced wine.

With wineries like Melton Estate, which is known for its modern winery overlooking its Pinot Noir wines, you can also experience a boutique wine experience.

State Highway 73 is also the gateway to Selwyn’s six ski fields, boasting slopes available for beginner to advance skiers, with the season ramping up around June and ending in October.

With the expansive landscape available, there is also plenty of room for paragliding and taking in the breath-taking views from above.

If you wanted to experience views closer to the ground, horse trekking is available in the high country.

The Inland Scenic Route

The Inland Scenic Route, also known as SH72, travels both ways – south to north or vice versa.

This drive through New Zealand’s heartland will give you views in four distinct districts that include Selwyn. The farmlands of Hororata transform into the Southern Alps.

From the Rakaia River to the Waimakariri River, the family-owned farms and small towns dot the region in a way that enhances the landscape.

The Rakaia Gorge, with its wide shingle beds that resemble the Waimakariri River until it squeezes through a narrow cavern in the Canterbury Plains, is one of the best places to camp in the South Island.

The Rakaia Gorge camp ground sits on a plateau directly above the Rakaia River at the Gorge bridges – the campground is run by the Rakaia Gorge Society as a non-profit with 58 permanent sites for casual stayers and tourists alike.

Within the Selwyn District, there’s so much to see and do – historic buildings and unique landscapes, such as the Homer Simpson donut in the town of Springfield, short walks and long hikes, and similar activities for the ultimate outdoorsperson.

Boutique cafes and eateries, like the famous Sheffield Pies along the Great Alpine Highway, bring people far and wide for a taste.

Grab your keys and hop on the road for the full swing of summer in Selwyn. Visit www.selwyn.nz for tips on what to do, where to stay, and what’s on during your trip to the Selwyn District.

Pictured Top - The dramatic scenery in Arthur’s Pass National Park Bottom - Bridges over Rakaia River, Rakaia Gorge.

A community hub

Club Waimea began with 35 people attending a meeting in the Richmond Town Hall. They wanted a place where they could be around like-minded people; friendly, sociable and community based that was more than just a pub.

Now, they offer members, affiliates and their guests the use of top-quality amenities. These include a house bar with regular entertainment, a gaming room featuring 18 machines, a caravan parked equipped with ablutions block and a functions hall with full bar facilities as well as rooms for functions, a restaurant, sporting sections, an allyear-round outdoor bowling green and squash courts.

The caravan park is centrally located opposite the Richmond Park Raceway and costs $25 per adult per night or $40 for two adults per night. Bookings are essential and there are also weekly rates available. Semi-permanent living arrangements are also available.

The park features a communal kitchen, communal laundry, ablution block and dump station.

Activities on offer include cards, darts, fishing, golf, bowls, pool, snooker, squash, Sioux line dancing and much more.

Club Waimea offer excellent facilities for functions. There is a large main hall that can hold up to 350 people, two function rooms able to contain 50 people and a large dining room that can hold up to 100 people. The Hall Room costs $230 for members and $500 for non-members while the meeting rooms cost $85 for members and $120 for non-members.

Club Waimea is always looking for active members so fill out an application form today. Office hours are 9am to 4pm, Monday to Friday. For a single person, the membership fee is $46 while a couple’s fee is $81.

Located at 345 Queen Street, Richmond, Nelson, Club Waimea is central to the Nelson and Richmond areas. For more information, please contact Club Waimea on 03 543 9179 or flick them an email at reception@clubwaimea.co.nz

FRIENDLY, SOCIABLE AND COMMUNITY MINDED SPIRIT

HOKITIKA AIRPORT

Your gateway to the West Coast

Destination Westland

LET ’ S FIND YOUR

Find the words in the grid and cross out from the list below.

Words go horzintaly and vertically (not diagonally) they may intersect .

Dont ‘s : no bending, overlapping or going backwards

Note: Ignore spaces, dashes and diacritics, if any. There will be no unused letters left on the grid at upon completion

Word Search

Satay chicken wrap

tasty

Ingredients

• 1 wholegrain or natural wrap

• 50g shredded chicken

• ¼ carrot, grated

• ½ courgette, grated

Satay sauce

3/4 TBSP peanut butter

1/2 tsp chilli sauce

• ¼ capsicum diced

• ¼ red onion, diced

• 1 handful baby spinach

Method

1. Mix together the chicken, carrot, courgette, capsicum, red onion and baby spinach, plus any other desired vegetables.

2. In a pot, gently heat the satay sauce ingredients until combined, adding water as needed.

3. Allow the sauce to cool and then mix into the chicken and vegetables.

4. Place down the middle of the wrap. Fold the bottom of the wrap then the sides and eat fresh or for lunch the next day.

Nutritional value

One serving contains: Calories: 228, Protein: 24g, Fat: 9g, Carbohydrates: 13g, Fibre: 2g, Sugar: 6g

1/2 tsp honey, 1/2 tsp reduced salt soy sauce, 1/2 tsp sesame oil

Allergies: Gluten, Sesame, Peanut, Nuts.

Study shows these hobbies can increase IQ

Not only does reading improve vocabulary range, but it can also develop analytical and critical thinking as the constant stimulation trains the brain to problem-solve. Moreover, participants in the study commented that they felt more relaxed after a few weeks.

In second place, knitting improved participants’ IQ by 9.68 percent. Exercising and reading rank third and fourth respectively. However, volunteers in the category ‘joining an online gaming group’ commenced with the highest average IQ (104 to 109).

IQ tests are a tool to measure a range of cognitive reasoning skills such as problem-solving and logic. According to VeryWellMind, an average IQ test score is around 100, with different countries around the world varying between 59 and 108.

In first place is learning a new instrument with an IQ score increase of 9.71% with volunteers’ IQ before the study averaging 103 and averaging 113 after the study.

DIYS.com reveals that the most popular instrument to pick up was the guitar with 31 percent of participants favouring it.

Knitting takes second place with an increase of 9.68 percent with average IQ scores of 93 before and 102 after the six-month period. Not only is knitting a stress-reducing activity but it also engages cognitive stimulation.

Exercising ranks third with an IQ amelioration of 7.37 percent (95-102). Playing sports and exercising is a popular activity to increase happiness via the release of chemicals known as endorphins, in addition to dopamine, norepinephrine, and serotonin.

According to Harvard Medical School, people who exercise have a larger brain volume in the memory and control-thinking areas.

Following in fourth place is reading as volunteers responded to a 7.07 percent IQ score increase. Participants were asked to read a new book every week and subsequently showed an average IQ increase score from 99 to 106.

Meditating takes fifth place with an IQ improvement of 6.38 percent (94100). Pilates (23 percent), yoga (21 percent) and mindful breathing (17 percent) were the most popular practices.

With constant distractions, meditation exercises our attention spans with evidence suggesting that long-term meditators are shown to have faster reaction times.

The following activities are ranked according to their average IQ increase after volunteers completed the activity:

Learning a new instrument - 9.71 percent

Knitting - 9.68 percent

Exercising - 7.37 percent

Reading - 7.07 percent

Practising meditation - 6.38 percent

Learning a new language - 5.88 percent

Gardening - 5.10 percent

Joining an online video game group - 4.81 percent

Making and editing videos - 4.26 percent

Trying new recipes every week - 4.17 percent

Starting to write/blog - 4.12 percent

Colouring in an art book - 3.96 percent

Daily journaling - 3.26 percent

Playing a new board game - 2.00 percent

Sewing - 1.03 percent.

Of the hobbies studied, learning a new instrument proves to be the hobby which increases IQ the most.

Super

and a great source of protein, fibre and vegetables.

accounting services

Central Accounting is a small firm offering quality accounting services for individuals and small businesses in New Zealand.

Director Simon Clouston is a very knowledgeable accountant with accounting and business experience in commercial and primary areas. He offers financial statements, tax returns, wages, GST and bookkeeping, tax and business tips, budgeting, and property tax advice.

Simon was brought up on a sheep and beef farm (3,500su) in Omakau, which he then owned and operated with his dad for six years after coming back from the University of Otago. When the farm was sold, he decided to grow a small business. He understands the stress entrepreneurs and farmers experience and wants to help make things easier.

Simon is exceptional at what he does. He has over 16 years of experience in accounting and lots of experience with owning and running a business, so clients can be rest assured knowing they’re in good hands.

What makes Central Accounting stand out is its low costs, which has 20-40 percent lower fees than most accounting firms. Central Accounting can offer reduced fixed costs because they are a home-based business without the huge buy-in cost, and it’s based in the beautiful Alexandra, Otago. An accounting practice that prides itself on attention to detail on tax laws and friendly service, growing a solid client base from good work ethic and affordable pricing.

Clients include small to medium business owners and farmers, sole traders and partnerships, various companies and trusts throughout the country.

Those interested can contact Simon if they’re wanting to decrease their accounting expenses or look at individual tax returns for rental properties and land sales/purchases. Simon can even advise on making choices on property purchases, business setups, or wind-up to help clients with their tax planning and future financial stability.

For more information check out  www.centralaccounting.nz

Super savings with SuperGold

SuperGold helps you stretch your money further, offering instant discounts, special offers on everyday essentials and more. Explore the many ways you could save locally and nationwide.

What is the SuperGold Card?

SuperGold - or the ‘gold card’ as some people know it - gives you golden opportunities to stretch your money further. There are thousands of instant discounts and special offers. You will find all sorts of ways to make instant savings every day near you across New Zealand and in Australia.

The card gives you:

• Instant savings on everyday essentials like electricity, insurance, food and healthcare

• Discounts on entertainment, travel and in retail stores

• High value special offers

• Free off-peak public transport.

Getting the SuperGold Card Getting an automatic SuperGold Card

Once your New Zealand Superannuation or Veteran’s Pension has been granted, the Ministry of Social Development (MSD) will automatically send your SuperGold Card in the mail. This usually only takes a few weeks, but you may have to wait a month or two if you apply for New Zealand Superannuation prior to your 65th birthday.

SuperGold is one way the New Zealand government and business communities can say ‘thank you’ or ‘tēnā rawa atu koe’ to older New Zealanders for the work they have done raising families, supporting communities and contributing to Aotearoa.

Applying for a SuperGold Card

If you do not receive or are not eligible to receive New Zealand Superannuation, you can still apply for a SuperGold Card. You must be 65+ years old and be a New Zealand resident. Simply fill in the SuperGold Card application and return it to us.

Call: 0800 25 45 65 (Monday – Friday, 8am-5pm)

Email: information@supergold.govt.nz

SuperGold Centre

PO Box 5054

Wellington 6145

www.supergold.govt.nz

Veteran SuperGold

Veteran SuperGold is a specially branded SuperGold Card to recognise service to our country in the Armed Forces.

Once your Veteran’s Pension has been granted, the Ministry of Social Development (MSD) will automatically send your SuperGold Card in the mail. This usually only takes a few weeks, but you may have to wait a month or two if you apply for New Zealand Superannuation prior to your 65th birthday.

Get the SuperGold app

The fast and easy way to find discounts and offers when you’re out and about is to use the SuperGold app. If you have a smartphone or tablet, download the SuperGold app from the Apple Store or Google Play.

Office for Seniors

The Office for Seniors is working to improve the lives of older people across New Zealand. Their website and regular email newsletter provide helpful information, news, and stories for older people.

Visit: www.officeforseniors.govt.nz

Call: 0800 25 45 65 (Mon-Fri, 8am-5pm)

Email: information@supergold.govt.nz

Frequently asked questions about SuperGold

Can I use my SuperGold Card to travel free on public transport?

Yes. Most areas off-peak is usually 9am to 3pm and from 6.30pm to the end of service on weekdays, and any time on weekends and public holidays. In most areas you will also need a smart card from the Regional Council to access free off-peak travel.

How do I order a replacement card?

If your SuperGold Card is lost, stolen, damaged or if you change your name, call or email us to order a replacement card. You will need to let us know your full name, date of birth, current residential and postal address and SuperGold Card client number if you have one (found on the back of your SuperGold Card). You should receive a replacement card within three weeks – free of charge.

When will I receive my SuperGold Card?

You will be automatically issued a SuperGold Card when you’re granted New Zealand Superannuation or a Veteran’s Pension or a main benefit at age 65 or over.

Your New Zealand Superannuation will need to be approved at least three weeks before turning age 65 if you wish to receive your SuperGold Card by your 65th birthday.

Is SuperGold connected to my New Zealand Superannuation?

Once your New Zealand Superannuation or Veteran’s Pension has been granted, the Ministry of Social Development (MSD) will automatically send your SuperGold Card in the mail.

If you do not receive or are not eligible to receive New Zealand Superannuation, you can still apply for a SuperGold Card.

What if I am already receiving a main benefit?

If you are turning 65 and receiving a main benefit from the Ministry of Social Development, your SuperGold Card will arrive at least three weeks after you are granted New Zealand Superannuation on your 65th birthday.

If you are not applying for New Zealand Superannuation then you will need to call or email us to advise you have turned 65 so the MSD can send you a new SuperGold Card.

How does the Community Services Card work with SuperGold?

If you have a current Community Services Card at the time you are granted New Zealand Superannuation, and you may continue to qualify for a Community Services Card, you will need to complete a Community Services Card application form to get a new SuperGold/Community Services Combo Card. It will have the initials CSC on the back and an expiry date.

Your new combo card’ replaces your Community Services Card. You can use this card for both health subsidies and SuperGold discounts.

Does my SuperGold Card have an expiry date?

Since May 2010, the only SuperGold cards with an expiry date are those which double as both a Community Services Card and SuperGold Card. These ‘combo cards’ have an expiry date because entitlement to a Community Services Card can change over time.

If the back of your card includes an expiry date (EXP) and this date has expired, call 0800 25 45 65 or email information@ supergold.govt.nz to arrange a replacement card.

Can I still get SuperGold if I am not a resident?

If you are not normally a resident in New Zealand and do not intend to stay here, you will not qualify to receive a SuperGold Card.

Living life at Enliven

Our Enliven care homes, villages and community programmes are places where you can be yourself while being part of a caring community.

A life-long passion for gardening is one of the things Hazel has brought with her to Ranui care home in Alexandra.

Originally from Southland, Hazel moved into Ranui in 2018, a�ter many years in Clyde, where she and her husband raised their family and established a beautiful garden, complete with an apple orchard out the back.

Colourful photos of her Clyde garden adorn Hazel’s walls at Ranui, as a wonderful link to those earlier years. The warm and friendly Ranui community is a place where Hazel says she really enjoys chatting with other

residents and our Enliven sta�f. “I also really love the Central Otago climate – it ’s so pleasant and healthy”.

Our Enliven care homes are all about people – where their unique personalities, experiences and preferences are respected, encouraged and celebrated.

Presbyterian Support Otago’s vision is that ever y person is valued and grows in a safe and strong community Our Enliven homes are diverse and caring communities where older people live with dignity, joy and passion. Hazel says “what I like best here is that I feel safe and looked a�ter ” .

Hazel and Rachel at Ranui care home in Alexandra. (Inset, Hazel’s amazing garden in Clyde)

Enliven ser vices are operated by Presbyterian Support Otago, a charitable organisation founded in 1906.

Our vision is that ever y person is valued and grows in a safe and strong community.

Enliven values :

Resp ect

Honouring the personal rights and dignity of people

Relationships

Connections with family and friends

Security

A feeling of safety, being well supported and a feeling of belonging

Choice

E xpressing your own style, opinions and culture

Contribution

Participation in day to day activities of the home and community

Activity

Participating in a way that is meaningful for theindividual and focuses on what people can do

Enliven Ser vices Otago

Enliven o�fers you choice. Whether you are looking for retirement living options, activities in your community or supported living facilities, Enliven is here to bring your plan to life.

about Enliven services in Otago: call 03 477 7115

email enliven@psotago.org.nz web www.psotago.org.nz/enliven

Qualitycraftsmen

Brook Carr Building is a family founded and owned business in Cromwell, Central Otago.

Founder, Brook Carr, grew up in Otago on a dairy farm and gained his pre-trade experience in Invercargill. He completed his apprenticeship in Balclutha before moving to Cromwell. He now has over 17 years of experience so you know you’re in safe hands. Brook Carr Building offers high quality workmanship in new builds, renovations, repairs, alterations and additions.

From the floor plans to the landscaping, Brook Carr Building takes care of everything in a new build journey. They specialise in family homes, new home and old builds. There is no job too big or small. Not only does Brook Carr Building specialise in building homes, they also take care of those annoying repairs. Anything from general, everyday repairs to bigger structure fixes, the team can handle

the job. Their skills in renovation are just as good and they can help renovate your house to look brand new, to your specifications.

Brook Carr Building is big on family and with living in a close and growing community in Central Otago, they understand the importance of creating a comfortable, stylish and functional family home. As Cromwell and towns within Central Otago grow, Brook Carr Building want to make sure that your home stands out from the rest.

But don’t just take their word for it! Courtney Burgess says the team did an amazing job. “We couldn’t be happier with the service and workmanship provided. The boys take great pride in their work and go above and beyond to get a great end result.”

You can book a free consultation with Brook Carr Building on their website, www.brookcarrbuilding.com . Or, give them a call on 027 227 9337 . Alternatively, you can flick them an email at brookcarrbuilding@gmail.com

New technology increases burn time

New technology increases burn time

New technology increases burn time

time

Acosy home is a happy home and a blazing wood fire that lasts all night can make all the differ ence.

Acosy home is a happy home and a blazing wood fire that lasts all night can make all the difference.

Acosy home is a happy home and a blazing wood fire that lasts all night can make all the difference.

Acosy home is a happy home and a blazing wood fire that lasts all night can make all the difference.

Blaze King fires from Hotspot Installations in Southland and Central Otago do just that with new catalytic technology enabling the fire to produce controlled, even heat all day and night long.

air technology that raises the temperature of the smoke to burning point.

air technology that raises the temperature of the smoke to burning point.

air technology that raises the temperature of the smoke to burning point.

Blaze King fires from Hotspot Installations in Southland and Central Otago do just that with new catalytic technology enabling the fire to produce controlled, even heat all day and night long.

Blaze King fires from Hotspot Installations in Southland and Central Otago do just that with new catalytic technology enabling the fire to produce controlled, even heat all day and night long.

“People really enjoy waking up to a warm home without worrying about the fire going out during the night. They can then add more wood to the fire when they get up, turn up the heat and they’re in a cosy home no matter what the time of the day is,” says Hotspot Installations co-owner Laura Tily

Blaze King fires from Hotspot Installations in Southland and Central Otago do just that with new catalytic technology enabling the fire to produce controlled, even heat all day and night long.

“People really enjoy waking up to a warm home without worrying about the fire going out during the night. They can then add more wood to the fire when they get up, turn up the heat and they’re in a cosy home no matter what the time of the day is,” says Hotspot Installations co-owner Laura Tily

“People really enjoy waking up to a warm home without worrying about the fire going out during the night. They can then add more wood to the fire when they get up, turn up the heat and they’re in a cosy home no matter what the time of the day is,” says Hotspot Installations co-owner Laura Tily

“People really enjoy waking up to a warm home without worrying about the fire going out during the night. They can then add more wood to the fire when they get up, turn up the heat and they’re in a cosy home no matter what the time of the day is,” says Hotspot Installations co-owner Laura Tily

“Being able to generate heat from otherwise wasted energy in smoke allows for a much cleaner burn, easily meeting and raising the bar for log burners available in New Zealand and Environment Canterbury’s ultra low emission burner (ULEB) standards.”

New Zealand and Environment Canterbury’s ultra low emission burner (ULEB) standards.”

“Being able to generate heat from otherwise wasted energy in smoke allows for a much cleaner burn, easily meeting and raising the bar for log burners available in New Zealand and Environment Canterbury’s ultra low emission burner (ULEB) standards.”

“Being able to generate heat from otherwise wasted energy in smoke allows for a much cleaner burn, easily meeting and raising the bar for log burners available in New Zealand and Environment Canterbury’s ultra low emission burner (ULEB) standards.”

Customer feedback has been phenomenal with customers saying that they never had a fire that heats the whole home and keeps going all night. Even those who live in rural areas and don’t need to meet the low emission standards buy Blaze Kings.

Customer feedback has been phenomenal with customers saying that they never had a fire that heats the whole home and keeps going all night. Even those who live in rural areas and don’t need to meet the low emission standards buy Blaze Kings.

Blaze King log burners can last 12 or more hours without having to be stoked up and work by using a clean

Blaze King log burners can last 12 or more hours without having to be stoked up and work by using a clean

Blaze King log burners can last 12 or more hours without having to be stoked up and work by using a clean

Blaze King log burners can last 12 or more hours without having to be stoked up and work by using a clean

lytic wood fires, mainly to heat homes in the freezing Canadian winter. To ensure fires are positioned correctly and the right type for the customer’s needs, Hotspot Installations provides detailed onsite consultations and full installation services.

lytic wood fires, mainly to heat homes in the freezing Canadian winter. To ensure fires are positioned correctly and the right type for the customer’s needs, Hotspot Installations provides detailed onsite consultations and full installation services.

Canadian winter. To ensure fires are positioned correctly and the right type for the customer’s needs, Hotspot Installations provides detailed onsite consultations and full installation services.

They are also very energy efficient burning about 30 per cent less wood than a conventional fire.

They are also very energy efficient burning about 30 per cent less wood than a conventional fire.

Blaze King has a 40 year history of making wood fires and a 30 year award winning history of making cata-

Customer feedback has been phenomenal with customers saying that they never had a fire that heats the whole home and keeps going all night. Even those who live in rural areas and don’t need to meet the low emission standards buy Blaze Kings.

Customer feedback has been phenomenal with customers saying that they never had a fire that heats the whole home and keeps going all night. Even those who live in rural areas and don’t need to meet the low emission standards buy Blaze Kings.

Hotspot Installations Southland showroom is located at 96 Kelvin Street, Invercargill and their Central Otago showroom is located at 1/17 Chardonnay Street, Cromwell. Combined they have over 20 different types of log and pellet burners on display and the team are happy to provide their expert knowledge to ensure you make the right choice for your home and lifestyle. Give them a call on 03 218 8802 (Southland) & 03 428 3197 (Central Otago) or visit their website at www.hotspotinstallations.co.nz

Blaze King has a 40 year history of making wood fires and a 30 year award winning history of making cata-

They are also very energy efficient burning about 30 per cent less wood than a conventional fire.

They are also very energy efficient burning about 30 per cent less wood than a conventional fire.

Blaze King has a 40 year history of making wood fires and a 30 year award winning history of making cata-

Blaze King has a 40 year history of making wood fires and a 30 year award winning history of making cata-

Hotspot Installations Southland showroom is located at 96 Kelvin Street, Invercargill and their Central Otago showroom is located at 1/17 Chardonnay Street, Cromwell. Combined they have over 20 different types of log and pellet burners on display and the team are happy to provide their expert knowledge to ensure you make the right choice for your home and lifestyle. Give them a call on 03 218 8802 (Southland) & 03 428 3197 (Central Otago) or visit their website at www.hotspotinstallations.co.nz

P: 03 218 8802 E: invercargill@hotspotinstallations.co.nz

SOUTHLAND 1/17 Chardonnay Street, Cromwell P: 03 428 3197 E: cromwell@hotspotinstallations.co.nz

CENTRAL OTAGO

Hotspot Installations Southland showroom is located at 96 Kelvin Street, Invercargill and their Central Otago showroom is located at 1/17 Chardonnay Street, Cromwell. Combined they have over 20 different types of log and pellet burners on display and the team are happy to provide their expert knowledge to ensure you make the right choice for your home and lifestyle. Give them a call on 03 218 8802 (Southland) & 03 428 3197 (Central Otago) or visit their website at www.hotspotinstallations.co.nz

- Supplied

- Supplied

Hotspot Installations Southland showroom is located at 96 Kelvin Street, Invercargill and their Central Otago showroom is located at 1/17 Chardonnay Street, Cromwell. Combined they have over 20 different types of log and pellet burners on display and the team are happy to provide their expert knowledge to ensure you make the right choice for your home and lifestyle. Give them a call on 03 218 8802 (Southland) & 03 428 3197 (Central Otago) or visit their website at www.hotspotinstallations.co.nz

- Supplied

Revivebeauty

Wanaka’s stylish and contemporary beauty salon, Revive, is renowned for its highly qualified beauty therapists.

It’s their mission to welcome their clients with an exceptionally high standard of service that exceeds expectations and offer results that deliver. All of this is in a relaxing, honest and loving environment. Revives’ beauty therapists care about each and every client.

“We all want beautiful skin, it’s only natural. Yet few people understand how to truly achieve healthy glowing skin and lasting beauty,” Wendy says.

At Revive, we understand what it takes.  Our clients love our individualise skin treatments, botanical skincare, holistic skin therapists, skin nutrition support programs and our devotion to skin wellness. Come in and discover the secret for yourself.

All of the company’s treatments are carried out using products with the highest quality natural ingredients – revitalising, rebalancing and rejuvenating the skin, mind, body and soul. Revive offers a wide range of facials and other skin care treatments. From dry skin to acne, the team can rejuvenate, detoxify and deep cleanse using their high quality, active products. Or, if it’s relaxation a client is needing, Revive can gently soothe and hydrate the skin, mind and soul.

Revives Mini Facial costs $88 and is done in under an hour. It’s a skin refresher great for people with little time to spare. Their Relaxation Facial is an hour of total skin pampering and costs $140. Meanwhile, the Deluxe Facial will not only pamper the skin,

it’ll completely relax the mind and body as well. The Deluxe Facial costs $199. Revive also offers dermal blading, dermal needling, LED light treatments, IPL Skin Rejuvenation and more.

Revive also offers the original Green Peel. This treatment is a medically developed, biologically based method with natural plant ingredients which has been successfully proven worldwide over the last 50 years. It has helped many women suffering from impure or damaged skin. The basis is a mixture of herbs containing enzymes, minerals and vitamins which are massaged into the skin. Contrary to other peeling methods, the Green Peel contains no chemical, its herbal peeling ingredient combination will stimulate cell turnover by loosening the upper layers of the skin, increase circulation and provide a comedolytic effect for impure skin. The Green Peel works to hydrate and plump the skin whilst encouraging collagen synthesis, it renews the skin while reducing wrinkles, lines, sagging skin, acne, scarring, sun spots and even stretch marks on the body.

The team can also take care of removing unwanted hairs, enhancing eyelashes and eyebrows, manicures, pedicures, reflexology, microblading, waxing, spray tans, exfoliating treatments, relaxation massages and more! Revives team can nurture and guide clients to take the first step to lasting beauty with one of their fabulous treatments or packages.  Revive have it all covered.

We’ve been making bathrooms beautiful for more than 100 years.

oakleysplumbing.co.nz

GreatGarage Doors

Dunedin Garage Doors are a family-run owned and operated run business for installing and servicing garage doors across Dunedin and Otago.

Operated by an experienced team with over 40 years combined experience, no project is too big or too small for the business. They are passionate about everything garage doors and are able to provide you with any assistance you may require.

Ranging from residential instalations through to complex commercial installs and servicing, the team can help you with whatever you need.

Their services range from garage door instalation where the team work alongside trusted supliers to meet your needs. They have a range of high quality garage doors which can be expertly installed to stand the test of time.

If your door is in need of replacement the team at Dunedin Garage Doors can also provide onsite reccomendations to support the style of your home or suit the specific space. They will also install a quality new automatic garage door opener at the same time.

The have a range of sectional garage doors, roller garage doors or commercial garage doors, depending on your space.

They also offer a range of retrofitting and automation for new or old garage doors. The team are well eqipped and understand no two properties are the same.

When you need your garage door to be checked for general maintenance or repairs, Dunedin Garage Doors are a suitable and reliable service to keep your door functioning.

Make sure to get in touch with the team for a free quote now on 03 453 0028. The team will be in touch within 24 hours with more information regarding istallation and garage door costs.

Dunedin Garage Doors

264 Kaikorai Valley Road, Dunedin, Otago 03 453 0028

admin@dunedingaragedoors.co.nz dunedingaragedoors.co.nz

The roofing services we provide range from maintenance, repairs and replacements to the building and installation of brand-new roofs. Our hardworking team completes all jobs to a high standard and within the timeframe given, no matter how big or small the job. While also working on site with the team, Courtney, the director, keeps very detailed records of each job and always knows where things are at. With quotes issued before commencement of the work, progress invoicing throughout the jobs and a high level of communication, our clients are constantly in the loop and do not get any unpleasant surprises. Courtney himself lives in Cromwell with his two boys and is well established in the roofing industry.

Phone. 027 716 9212 Email. courtney@atdroofing.co.nz

Primevue provide expert Construction and Project Management services in the Queenstown area for projects big and small.

From residential renovations and extensions to complete home construction, the team has the experience to ensure your project runs smoothly, to budget and on time.

Primevue is a family owned and run business by a young kiwi couple, Blair and Jess who are excited about the future of the building industry in Queenstown. As well as being a director, Blair works alongside his team on the tools and is a licensed building practitioner (LBP) as well as a registered Masterbuilder.

Sourcing alternative and sustainable materials such as using saveBoard instead of gib is important to the business and has accelerated recent projects by avoiding any delays due to material shortages. The team at Primevue are always looking for ways to challenge the status quo by consistently exceeding standards and expectations in the construction industry.

BUILDERS

354 1754

027 354 1754

• From the initial design through to the complete working drawings.

• From the initial design through to the complete working drawings.

•

• Building consent through your local council.

• From the initial design through to the complete working drawings.

• From the initial design through to the complete working drawings.

•

• Building consent through your local council.

• Building consent through your local council.

• Building consent through your local council.

• and managing sub-contractors.

• Building and managing sub-contractors.

• All backed by a Master Builders guarantee.

• Building and managing sub-contractors.

• Building and managing sub-contractors.

• All backed by a Master Builders guarantee.

•

• All backed by a

• All backed by a Master Builders guarantee.

The company is a member of Registered Master Builders and was established by Jeffrey Dennison in 2016.

“Palmerston has been our base for the business, but we are expanding into the wider Otago region. We employ staff in surrounding towns and cities,” Jeff says.

The company specialises in the construction and renovation of residential and commercial projects and its client testimonies point to the high standard of work and project management provided.

As a smaller business, JDBuilders is “very flexible” in dealing with client requirements without the corporate overhead of larger companies.

“We have the skills and experience necessary to address any technically challenging aspects of a project, combined with the attention to detail and high level of interior finishes required on residential and commercial fit-out projects. To us, every construction project is unique, we build with passion.”

A team is created for each new project, which includes JDBuilders, the clients consultants, supply chains, and authorities to ensure the best outcome.

The business has experienced consistent growth since it was established, with word-of-mouth referrals from satisfied clients being a common way of gaining new business.

The company has developed a range of pre-designed new home plans that are great for inspiration and ideas. They can be customised to suit individual needs and situations, or a design and build service can be provided for entirely bespoke builds for a broad demographic.

“We are in a growing area and because we’ve have the advantage of the coastal proximity, we can cater for people who are looking for a retirement home, holiday accommodation or first home buyers.”

JDBuilders recently started a large commercial renovation on East Otago High School, which won through a Ministry of Education tender process.

The project covers two blocks comprising a total of 16 classrooms and involves future- proofing the exterior by the addition of weatherboards, replacing the windows on one block with double glazed aluminium joinery, replacing the trusses, and a reroof along with exterior alterations.

Interior work includes replacing ceiling panels and removing skylights.

The classrooms have been weatherproofed by a full temporary canopy to streamline the work and to eliminate weather delays.

Highlighting the scope of work JDBuilders can tackle, the company has completed an impressive renovation on a beautiful two-storey rural lifestyle home clad in Oamaru stone in Herbert.

A key aspect of the renovation was to replace its roof.

“New roofing was required and initially the client had opted for slate, however, this was not possible due to the pre-existing trusses/framing in place, which had been designed for a lighter roof.

“Fortunately, we were able to suggest a product with the aesthetics of slate but much lighter weightwise.”

The project also involved cleaning the Oamaru stone, fitting doubleglazed windows, the addition of barge boards, and the installation largeformat frost resistant synthetic porcelain tiles, which replaced the original paving outside the front entrance.

“Our clients were so happy with the result that we have been invited back at a later time to complete some interior upgrades.”

If you would like to find out more about JDBuilders and the services they provide, please ring Jeff on 027 354 1754 or visit their website JDBuilders.nz

Superior window solutions

With over 20 years in operation, the team at E13 Windows are the experts in their field.

Their systems are modern in design and meet and exceed all New Zealand standards for windows and doors. Whether you are building a state of the art luxury home or you want to improve the energy efficiency of your current home, E13 Performance Windows provides products and systems that enable the team to tailor a solution for you.

They offer highly energy efficient windows and doors that are better for you and your home. Their advanced triple glazed windows, with pioneering air tight performance, stand up to the energy efficiency requirements and harsh environments of the South Island, especially the Otago region, but they are also able to deliver comfort in the contrast of the warmer climate experienced in the North Island, all while retaining sophistication and style.

They are passionate about providing leading design solutions that look great and perform even better. Sliding or hinged doors, awnings or speciality windows, the team is on hand to find the product that meets the needs of your projects. E13 Performance Windows believes you shouldn’t have to compromise aesthetics for function with the Vistalite solutions.

E13 Performance Windows utilises a range of systems with proven versatility to meet project needs, whether they be for residential or commercial. Their suites are capable of coping with extreme wind, providing optimal efficiency and have watertight and airtight seals as well as versatile glazing options, from single through to triple glazing.

E13 Performance Windows know that doors need to do more than just open. They need to provide a sense of safety, be welcoming and have a bit of character, as well as function well. From discrete and traditional to modern wow-factor, there’s something for everyone.

For more information and to start your journey today, visit www.e13windows.co.nz

Whether you are building an architectural home or wanting greater thermal performance we’ve got the experience and expertise to deliver superior window solutions throughout New Zealand.

www.e13windows.co.nz

Your experts for

• Air Tightness

• Recessed Windows

• Triple Glazing

The renovation specialists

Shaun Teahan is the founder and everyday operator of Shaun Teahan Builders Dunedin.

As the name suggests, Shaun is the main person dedicated to the excellence of his work. He surrounds himself with talented individuals that add the necessary teamwork that is needed to deliver on small projects, large projects or more challenging projects.

When you call Shaun Teahan Builders Dunedin, you are speaking directly to the man who is the perfect fit for your next project.

Shaun’s qualifications to be one of New Zealand’s finest builders begun in High School when Shaun excelled in Workshop Tech and Maths. Shaun believes to this day; this knowledge has given him an edge when looking for a point of difference to his competition. After High School, Shaun attended Otago Polytechnic specializing in Carpentry. During his time studying the foundation of how to be a great kiwi builder, Otago Polytechnic was renowned to be the best in New Zealand at producing great Builders.

When you work with Shaun Teahan Builders Dunedin, you get a true Kiwi Company working for you and your family. Shaun

continues to deliver great work for his clients which makes him one of New Zealand’s finest Master Builders.

Shaun is fully qualified for any project size and is a Licensed Building Practitioner which means you are working with someone who is always up to date with regulations in New Zealand.

Being a Master Builder, you know every job Shaun Teahan and his team do is of the highest quality and workmanship. Shaun Teahan Builders Dunedin have always had a massive passion for villa restorations.

life.

From the design stage, the consent process and through to building, Shaun Teahan Builders Dunedin can offer you a seamless service tailored to your specific needs.

Take

There is nothing better than giving something so beautiful a new lease on

Covering all your electrical needs

For almost 10 years, Waitaki Electrical Limited has been servicing the North Otago region, providing domestic electrical solutions.

The talented team, based in Oamaru, can manage a wide range of needs – from dairy and irrigation to breakdowns and industrial electrical issues.

With 24/7 service and a commitment to providing the best in electrical solutions, the team at Waitaki Electrical have got you covered. They are qualified and experienced electricians who are part of the Master Electricians organisation, ensuring they’re quality assured, trusted experts and carry a workmanship guarantee.

They do a lot of rural work – sorting out pesky electrical problems on the farm. From fixing niggly jobs around the cowshed or pump shed before the milking season swings into action, or sorting out

that tired mains box, no job is too big or small. They’re even able to sort out irrigation needs.

Waitaki Electrical have worked on a range of projects. In 2022, they helped complete Oamaru’s first cocktail bar; Victoria Lounge and Eatery. Back in 2021, Waitaki Electrical installed practical and aesthetic feature lighting for Triton Hearing Oamaru.

The team are always ready for action – whether it be a few new lights, fixing broken conduits or sorting out a tangled mess on the farm, Waitaki Electrical can handle it. They can also help with solar systems. Whether it be a straight forward set up or using a renewable energy source to be more self-sufficient, the team have all the information and knowledge to help.

For whatever you need, from rewiring old systems to putting together something new, Waitaki Electrical are the team for the job. With nearly 15 years of experience as electricians in the North Otago region, Waitaki Electrical are excited to be able to provide a quality electrical service. For more information, call 027 728 8002 or email waitakielectrical@outlook.com

Looking to list your property? Here’s how to get started

By Jen Baird, chief executive of the Real Estate Institute of New Zealand (REINZ).

Typically, spring is seen as an ideal time to bring a property to market — particularly as many people look to make their buying plans this side of Christmas. Here’s what to think about as you look to list your property. Once winter's out of the way and we head into the warmer months, the market cycle tends to see more listings and an increase in buyer demand.

It is important to find a real estate professional who can deliver a standout marketing campaign, advise you on key steps for getting your property ready to list, and who will tell you what you need to know throughout the selling process.

Research is key

Using a real estate salesperson can result in a more effective sale than selling privately. They will handle the details of the marketing and sales process, the cut and thrust of the negotiation or auction, and you can rest assured that you’re protected throughout the process by their expertise and requirements under the Real Estate Agents Act.

To find the right person for you, ask around; talk to family, friends and neighbours and see if they have any recommendations on real estate salespeople they have previously used and whom they had a good experience with.

It’s also fundamental to understand where the market is today before you head into the selling process. Doing some of your own research is vital however, you can rely on your salesperson to bring expertise.

Salespeople have the time, access to the latest data and market information, and to advise on exactly what is happening in your market for your type of property. Having honest conversations with your real estate salesperson will enable you to understand the current market and the best approach for selling your home.

Honesty is the best policy

A real estate professional will help to manage your price expectations with the latest statistics, their knowledge of the current market, the local area, what properties are attracting the most attention and why, the current levels of attendance at open homes, and more.

They should also explain what they will do behind the scenes to ensure the best possible outcome for you.

They can advise you on the best way to present your property for sale including aspects such as required maintenance, tidying up of gardens, decluttering, or home-staging.

With these factors come costs, and your real estate professional should ensure you are aware of the aspects you may need to invest in when selling

your home so there are no surprises, and so you can factor this into your budget.

Look for a salesperson who can demonstrate knowledge of your local area and community, ideally with a network of potential buyers, as this can help ensure your property is best positioned and marketed to the right people. Make sure you understand what a salesperson’s commission fee is. While fees do vary by agency, our advice is that choosing a salesperson on commission alone could lead to losing a significant amount of money by achieving a lower price for the property.

The Real Estate of Institute of New Zealand (REINZ) is a champion for a world-class real estate profession delivering the best possible real estate services to New Zealanders.

Choosing a REINZ real estate professional member means you are choosing someone who is supported to excel in the profession, and are trusted, skilled professionals, supported by high-quality education, advice, and uphold the best standards of practice.

It’s been a market of supply outweighing demand for several months, but activity is expected to pick up — including the usual spring flurry of listings.

We have worked with Judy for the sale of two of our homes and the purchase of one over the last 6 years. Judy has a great knowledge of the market and provides a great insight into the market performance. We asked for advice in an uncertain time in the property market and she provided an incredibly honest and realistic response and we could make an informed decision about our next move. As usual, Judy worked really hard for us and her original prediction was ver y accurate. She has never put us wrong, and her advice is always reliable. She is fair to buyers and vendors and always comes to a good conclusion for ever yone. Would recommend her ever y time.

Judy is inherently reliable, supportive and hard-working, and she's known for her commitment to the bigger picture in the lives of the people she works with. Personal integrity and a resolute willingness to go the extra mile have helped generate an impressive track record: many happy clients eagerly turn to her as their only choice when they come to buy or sell again.

An assured understanding of her obligations and responsibilities as a real estate professional puts people at ease as Judy leaves no stone unturned in her sales process. She is a consummate professional and a prime representative of the Harcourts brand. She truly embodies the fantastic ser vice Harcourts clients expect and she operates with complete confidence and expertise in our systems and processes.

JUDY LUDEMANN 027 459 9361 judy.ludemann@harcourts.co.nz

Judy is extremely thoughtful and understanding. She knows her job and how to achieve the goals required. I am able to put my trust in her.

Property Brokers Kate Croy

As a real estate agent, I understand that buying or selling a property can feel like a daunting process, and that is why I am here. It can be emotional, and that’s why I approach every client with empathy and understanding.

I believe that every client has unique needs and preferences, and I am committed to listening carefully to each client’s goals and concerns. Whether you are looking to sell or purchase a property, I am here to offer my expertise and knowledge to guide you through the process with ease.

It would be my pleasure to meet with you, have a cuppa and let you tell me what your plans are for the future.

With 14 years of experience in the real estate industry, I have developed superior marketing and negotiating skills, which enable me to achieve the best possible outcomes for my clients. I have a great working knowledge of all of Dunedin’s suburbs and sell properties in all areas.

The key to obtaining top financial results is ensuring that the marketing of your property is done with precision and captures

a large audience, not just the local buyers. It's very much like throwing out a single fishing line versus a net! Marketing is the first key to capturing that large audience. With my marketing packages carefully designed, managed and updated according to every situation, I can give you my assurance that at the onset of the launch of a property, we are one step ahead of everyone else.

To ensure I am always at the top of my game, it is absolutely imperative that I keep up-to-date with what is influencing our local market. International and national events and trends, economic changes and banks changing lending criteria, all give me the information to ensure I can give you my best advice and know that we are on a clear path forward.

I absolutely love my career. Real estate isn’t a job for me - it is my passion. The pleasure I get out of helping you achieve your goals, dreams and entering your next chapter, is second to none.

If you are looking for a trusted and experienced agent to help you buy or sell a property in Dunedin, then please feel free to contact me anytime. I am here to help you move forward with confidence through the next stage of your real estate journey. My appraisals are free as is my time for you.

Housing stocks returning to normal levels

Century 21 New Zealand owner Tim Kearins says

Auckland floods and Cyclone Gabrielle.

However, one ray of sunshine is the opportunity to successfully purchase a property.

REINZ’s recent nationwide real estate numbers showed the overall number of houses available for sale has returned to more normal levels, with sales transactions lifting in February.

“This winter will be a good time to first-home buyers to purchase, if they can stump up a deposit and secure adequate finance,” Tim says.

“As well as finding a good mortgage broker, now’s the time to check out the government support schemes for many first-home buyers, as well as consider a flatmate or border to help with debt serviceability,” he says.

The Century 21 leader says while the Reserve Bank’s decisions impact debt affordability, the government can change things to help tenants – such as bringing back tax deductibility on interest costs.

Once 100 percent of interest could be claimed as an expense by residential landlords, but that is now being incrementally phased out. That moved to 50 percent on April 1, will move to 25 percent on April 1, 2024, and to zero on April 1, 2025.

“It’s a tough time for tenants, and for vendors it’s taking longer to sell properties. However, this environment also throws up opportunities for those considering a residential investment property, as well more choice for those looking to buy their first or next home,” Tim says.

He says tenants sick of paying sky-high rents should do their sums on a mortgage calculator and then visit a broker to see what’s possible. They might be surprised.

“It might take some help from ‘The bank of mum and dad’ to cobble together a deposit, and you may have to rent out your spare bedroom to satisfy your banker or broker.

“Nonetheless, homeownership has proven time and time again, a great way for Kiwis to improve their standard of living and retire more comfortably.

“Now’s the best time in recent years for many to secure their future,” he says.

the pressure on rental stocks have only grown this year, not helped by the

With you every step of the way

buying and selling process to ensure you have all the information necessary to help you make your decision with confidence!

With experience in varied businesses and markets, Carol and Brenda are upfront and honest, and have a great work ethic with a willingness to go that extra mile to succeed for their clients.

There is so much more than just putting a sign out the front of a property. Communication is key for us. Our promise to you is to keep you informed throughout the buying and selling process, to guide and provide you with the most up-to-date information to enable you to make your decision with confidence.

Carol and Brenda are committed to offering their clients an honest and transparent transaction.  They guide you through the

“We are proud to work alongside the team at Property Brokers and the wider Property Brokers community. Our Property Brokers family is now over 850 strong, with over 90 locations across the country. Still doing business with a handshake, we sell thousands of properties a year, combining our local knowledge and passion with market-leading expertise and reach – both nationwide and across the globe”.

Dedication to their clients and always prepared to go “the extra mile” - their attitude is a winning combination.

“ Why not ” engage Stafford and Griffin as  YOUR  local Real Estate Agents

Call

Kim Strawbridge Property Brokers

My aim is to provide the best customer service and achieve the best possible results for my clients.

I have been involved in many aspects of farming life, coming from the Waikato where I grew up on a dairy farm, then being part of a large-scale sharemilking operation, and working full-time as an Agribusiness Manager for Bank of New Zealand. After being in banking for 20 years, I spent 8 years with Fonterra, initially as an Area Manager, then as the South Island Regional Manager, then spending seven years with Farmlands Balclutha.

All through this time customer service and its delivery have been a priority to ensuring I maintain and form good strong relationships, and have an understanding of my client’s goals and what they want to achieve.

A change of direction for me two years ago, it just made sense that it was into Real Estate, as I have always been passionate over the

years on what the property market is doing. I live in Stirling, north of Balclutha with my partner and son. John runs a sheep and beef farm in the Owaka Valley, with a finishing block on the Taieri.

At Property Brokers I have a great support network, and I’m looking forward to helping you and your family with anything Real Estate.

Proud to be here, Proud to be Property Brokers.

“Kim Strawbridge was fantastic to deal with, Kim was honest & supportive of me during the stressful purchase process which unfortunately occurred over the festive season, which complicated my purchase even more. Kim was easy to deal with and had great communication skills, no question was too silly & Kim came back to me with answers to my queries as they arose. I would be happy to recommend Kim Strawbridge to any future purchasers or sellers. “

-Vikki Hewson

Choosing your team

Professionals Real Estate are experts in buying and selling property.

A fundamental part of the sales process is choosing your team. Your property is most likely your biggest asset, so it’s essential to surround yourself with a team of highly skilled experts who will get you the best price possible and help each step go smoothly.

method, showing your home to potential buyers, presenting offers, negotiating and ensuring sale conditions are met.

When selling your home, your agent will walk you through the whole sales process from well before the ‘For Sale’ sign goes up, right through until after the ‘Sold’ sticker is triumphantly placed on your sign. From the outset they can provide a good understanding of what your house may be worth and advise you of all costs associated with selling a property. Other roles of the agent include, preparing the marketing plan for your home, helping you with the sale price and

When buying a new home, there are several ways of buying property including, auction, sale by tender, sale by advertised price and by negotiation. A Professionals Real Estate agent helps you navigate the often confusing world of buying a home. Auction is the sale of a property by a bidding process on a given day. Tender involves potential purchasers placing confidential bids for a property by a specific date. Sale by advertised price is a property that is advertised with a set price. This method of sale still allows the buyer to negotiate on price. Sale by negotiation is where a buyer makes an offer based on what they believe a property is worth. The seller can then negotiate with you on price through the agent.

Contact the Professionals Real Estate team today for all your buying and selling needs. Visit their website at www.professionals.co.nz.

BUYING AND SELLING PROPERTY IN NEW ZEALAND

www.professionals.co.nz/offices/otago/north-otago

A Professionals Real Estate agent helps you navigate the often confusing world of buying a home.

There’s an ocean of opinions when it comes to buying or selling your house, which can make it seem like a daunting prospect but it doesn’t have to be.

We’re here to help you make sense of it all and work out the best course of action for you.

Umbrella Group

Abby’s got you covered

Deciphering insurance, policy documents, what you’re covered for and how to navigate a claim can be an overwhelming task and experience.

Having an Insurance Adviser can really help with ensuring you are covered correctly and having a “go-to” person when a claim arises. It’s important to have a relationship with an Adviser because you know they have your best interests at heart and will support you through reviewing different cover options and assisting you through processes, like setting up policies and claims.

Abby Esler has been an Insurance Adviser for 3 years but has a long history with insurance and a clear love for her job. After working as a Claims Case Manager and then a Team Leader in Superannuation Insurance for a large super fund in Melbourne for 8 years, Abby has a wealth of knowledge from the claims perspective and knows the importance of having the right covers in place when things go wrong.

However, the call for home was strong and Abby had the opportunity to work with her father who has been working as an Insurance Adviser for over 40 years. Growing up with her dad meant she has heard about insurance all her life and saw the industry as a not only a great career choice but also because it meant she got to work with people, helping them when they were in need.

Abby is passionate about people having the right covers in place to ensure that when bad things happen, her clients will be looked after, and money is one less thing to worry about.

If you are wanting to review your current insurance covers or discuss taking out insurance cover, give Abby a call.

Dunedin's go-to plumbing company

McNab Plumbing is Dunedin’s go-to plumbing company. For all your plumbing needs make sure to contact the team to get free advice and quotes.

McNab Plumbing pride themselves on being efficient and on time for every job. They will complete the task at hand to the highest quality to ensure every customer is satisfied with their work.

The business specialises in multiple areas such as plumbing repairs in renovations or new builds, ranging from small problems to large projects. They can do everything from fixing a dripping tap to full management of new kitchens and bathrooms.

The team can help you with all your drain laying needs such as repairs, unblocking’s and any emergency called outs. They know that dealing with blocked drains is never any fun so they take care of it for you quickly and with less mess.

The team says, “We count ourselves lucky because we get to take the time to make sure that every job we do gets done to the best standards".

Maybe that’s why our customers come back time and time again

Solid communication between the team and their clients is important to the business, placing value on ensuring their customers are kept up-to-date throughout the process of the installation.

The team believes plumbing is more than just showing up and doing the job. McNab Plumbing has earned themselves their reputation through providing the highest quality service without expensive price tags. If something isn’t quite to their client’s satisfaction, they’ll go back and make it right.

“Every job, whether it be big or small, deserves our attention.”

To find out more make sure to visit their website mcnabplumbing.co.nz or give the team a call on 03 455 0899 to find out more.

McNab Plumbing

2 Bellevue Street, Belleknowes, Dunedin 03 455 0899 blair@mcnabplumbing.co.nz Mcnabplumbing.co.nz

The trusted decorating specialists

Guthrie Bowron Oamaru is your locally owned one-stop shop for all your decorating requirements.

We supply Dulux and Cabot’s paint, selected wallpaper brands, curtains, blinds, awnings, shutters, and a wide variety of cushions, homeware, and furniture.

We originally were branded as a Colourplus store and in December 2016 we purchased the Guthrie Bowron store from the North End of Oamaru and amalgamated the two stores into one at the Colourplus site being on the corner of Reed and Eden Streets by the roundabout. We are centrally located and we take pride in offering top service and a wide variety of products.

We offer a free in-home measure and quote for curtains and blinds. The team is made up of two interior design consultants who have a wealth of experience in curtains, blinds, shutters, and awnings. We have an experienced sewer and a central South Island workroom who do alterations and making of our window treatments, along with quality suppliers of tracks and blinds.

We have an onsite installer who installs all our drapery department products. The remainder of our team is in store for your paint, accessories, wallpaper, homeware, and giftware requirements.

The owner/manager does the administration and window consultations.

We also offer services such as homecall appointments, so if you’re struggling to decorate your place and need help, our team can help with whatever needs to be done in your home. We advise you about colour, design and materials, and provide a free measure and quote for curtains, blinds and homeware/giftware.

Want to join our Loyalty Club for special offers? Our GB-inspired club gives you access to exclusive offers and discounts for the whole year. Examples of discounts include five percent off paint and woodcare, 15 percent off wallpaper, and 10 percent off decorating accessories. Sign up to get discounts off the recommended retail price, which excludes already discounted products. Discounts can be subject to change, so check with our team first.

Read our blog to motivate you to get your house looking as stunning as possible. Our experts are here to help you find the right paint, wallpaper, homeware/giftware, and fabric samples to make your dreams come true!

We invite you to come visit us and experience a friendly face when you come into our store.

Check our website to find more information about the company, contact details, Loyalty Club details, homecall appointments, and more about what products, services, guides and advice, and blog posts we have regarding the kind of work we offer: https://www.guthriebowron.co.nz/

Get in contact with us today by contacting our Oamaru manager Joanne McGaughey via email: shop@gboamaru.co.nz, via phone at: (03) 434 865, or head to the street address on 38 Reed Street, Oamaru.

Store hours are open from Monday-Friday (7:30am until 5pm) and Saturday from 9am until 12:30pm. The store is closed on most public holidays but head to our website to double-check which dates.

We look forward to providing you with top service and advice on all your home decorating needs!

Unlocking Build to Rent housing

Property Council New Zealand chief executive, Leonie Freeman, says the initiative could mark a key turning point towards unlocking the potential of Build to Rent.

“Our members share the government’s view that enabling Build to Rent will provide warm, dry rental homes that offer Kiwis long-term security of tenure.

“It is encouraging to see that the government has listened to our sector and acknowledged Build to Rent as a unique property asset class.

“The government’s announcement is a major step towards boosting New Zealand’s emerging Build to Rent sector.

“Build to Rent will transform the experience of renting in New Zealand.

“Property Council research shows that our members stand poised to deliver over 25,000 Build to Rent homes in the next decade, with the right policy settings.

“Build to Rent refers to multi-unit residential developments, typically located in city centres within walking distance of key transport links.

“These developments are professionally managed, with brilliant amenities available onsite, offering residents bespoke lifestyle options for as long as they want to stay.

“By enabling Build to Rent, the property sector will be able to deliver thousands of new high-quality, high-density rental houses, supporting New Zealand’s urban intensification and climate ambitions.

“Kiwis will hopefully soon have many choices to access to a warm, dry and climate friendly Build to Rent home.

“Over the past 18 months, the Property Council has been working closely with the government to highlight the untapped potential of Build to Rent and explain the legislative actions required to enable it.

“As part of this, we have collaboratively resolved the unintended consequences of last year’s interest deductibility changes.

“While the announcement has been a fantastic step in the right direction, there are a few remaining speedbumps to truly unlock the concept.

“For Build to Rent to flourish, access to large institutional investment via the overseas investment act and commercial depreciation is also required.

“The Property Council looks forward to continuing our engagement with the government to support the roll out of the world’s fastest growing residential sector in Aotearoa.”

The Property Council, whose members are some of New Zealand’s largest property developers, owners and investors, has come out in support of the government’s Build to Rent tax exemption boost.

Managing your property

The Essential Property Management team aims to provide exceptional property management services to their clients.

When it comes to people using their own finances for property investment, getting a property manager is the smart choice. The Essential Property Management team can manage their client’s property management business for them, ensuring everything goes smoothly.

Annabel and her team look after their client’s interests. The tenants’ evaluation process is essential in property management and the key part of a successful renting experience. The Essential Property Management team uses various evaluation ways to ensure the applicant is the right tenant for the property.

Their service includes regular and comprehensive inspections and procedure property condition reports (PCR). You aren’t just hiring a property manager; you’re employing a property management team. Essential Property Management believes in teamwork and works hard, so clients can be assured they’re in good hands.

Annabel and Heather both come from a background in hospitality. Annabel is your go-to with anything to do with the Tenancy

Act, while Heather is the key point person. Having to manage properties yourself can be stressful so why not get some expert advice to take the weight off your shoulders?

For

Essential Property Management believes in teamwork and works hard, so clients can be assured they’re in good hands.

Ban on interest deductibility hits rental market

Century 21 New Zealand owner

His comments follow a survey, commissioned by the Ministry of Housing and Urban Development, which found that a quarter of landlords put up rents in the six months before May 2022, and one of the big reasons for this was increased costs lumped on by the government.

“A key factor is landlords now not being able to claim their full interest costs as an expense. Alarmingly, that’s only going to get worse as interest rates increase and the policy rolls out to completion,” Tim says.

Once 100 percent of interest could be claimed by residential landlords, but that is now being

incrementally phased out. That moved to 50 percent on April 1, will move to 25 percent on April 1, 2024, and to zero on April 1, 2025.

“Banning interest deductibility really seems to be both hurting and deterring ‘mum and dad’ landlords. Many of these people once viewed a rental property as a good investment.

“Now many of our ‘mum and dad’ investors are now either getting out of the residential rental market, or not considering it in the first place,” he says.

The Century 21 leader says the ongoing costs on landlords is seeing them direct their money and focus towards the likes of commercial property syndications, the share market, or even bank term deposits given the rising returns.

“Not only do extra costs see Kiwi landlords fleeing the residential rental market, but it’s flowing through to rents, with overall rents reportedly up $150 in the past five years, only adding to our country’s cost-of-living crisis.”

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

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.

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. 0800

Tim Kearins says the loss of tax deductibility on interest costs is having a negative impact on the rental market and that “A future government of any stripe must bring it back as soon as possible”.

FATWEB | www.fatweb.co.nz

How do we measure success?

The Healthy Homes Standards were introduced in 2019 to lift the standard of rental properties throughout New Zealand. The Healthy Homes Standards cover five areas of the property: ventilation, draughts, drainage, insulation, and heating.

The regulation is about providing a better standard of living, which everyone supports. It doesn’t matter who you are; you should live in a warm, dry home. And, the chances are good that tenants would stay in a warm, dry home for longer.

The idea of regulation and innovation sometimes don’t go hand in hand. At Property Brokers, we see regulation as an opportunity to provide innovative solutions.

Across Property Brokers the average length of a tenancy is now close to 36 months.

As properties continue to become more expensive, the average tenancy period continues to increase, which is absolutely fine but to underpin that change, you need to ensure that they’re getting treated fairly and renting good properties.

Rather than just going with a one-stroke solution, Property Brokers provides an evidence-based answer. Compliance is not something you can dodge; either you’re in the confines of the law, or you’re outside the confines of the law.

History has shown that the goalposts move, and this is why we use innovative solutions to take back a bit more control and do not outsource the assessment of these properties. We can go through a property, use some intelligent solutions to assess it, look at the five HHS areas and provide a certificate or a report of things that need to be done.

We go through properties every three months to do routine inspections. The majority of insurance companies require quarterly inspections. Why would we not tack on the assessment while we’re going there to do it? Fifty percent of the working week for any agency is spent inspecting properties.

We add value. If you go to a good accountant, their fee is offset because they will save you that amount of money. If you come to a good property manager, a management fee should be offset for that year because we’ve helped you to make good decisions. That’s our goal, and that won’t change.

Do you know if your property meets all the standards?

If you’re uncertain, it’s worth talking to a professional property manager. With a wealth of knowledge in both the local market and the new regulations, we can provide you with valuable insights to ensure your rental ticks all the right boxes.

Talk to our award-winning property management team; we offer free rental appraisals to landlords who want to check the health of their rental and specialise in finding new ways to maximise its return.

0800 367 5263 | pb.co.nz/rent

We stand by our service guarantee, with no rent arrears, guaranteed tenancy, and great service every time, or we’ll pay.

We’ll save you time and money, so you can make the most of yours.

For provincial property management, talk to us today

0800 367 5263 | pb.co.nz/rent

With guaranteed rent, we’re keeping Julie and her investment property on course.

Are you seeking a secure, caring Rest Home or Dementia facility in Otago? Experience Ashlea Grove’s boutique home, embracing kiwi values. Join our family today for high-standard care, personalized activities, and a warm, friendly atmosphere. Our 17-bed secure Dementia unit and 20-bed Rest Home offer peace of mind. Open disclosure and open door policy. Visit anytime and ask us anything. Enjoy personalized activities and a safe, welcoming environment. Family is important to us. Come, have a cup of tea with Angie-Lee and Ricky. We’re here to assist you.

I don’t want a fuss

By Gillian Boyes, Funeral Directors Association CEO.

Shortly after I began in this role I spoke to my parents about their wishes for a funeral.

“I don’t want a fuss,” said my mum. “And it’s so expensive,” dad added.

It’s a common refrain and as a newcomer to the industry was one I was initially challenged to respond to. But over the last few months I’ve come to understand why some kind of farewell is essential to those of us left behind.

Some of the early healing can help when you’re preparing for a funeral

Going through old photos and reminiscing and sharing stories can be a powerful way to remember the significance of the life of your loved one. There will be laughter as well as tears and it can be an important bonding time for your family.

An ‘event’ helps a family move through the grief process

The funeral ‘event’ can help you begin to acknowledge the reality that someone in your life has died. Grief is a biological reaction, and it can be externalised though the event –something that will help with your immediate and future mental wellbeing.

Funerals help us recall and remember – and even learn about a loved one

How many times have you sat through a funeral eulogy and realised you didn’t know a certain fact about someone? Sharing unique memories and stories helps provide support to all those who attend.

They can involve people near and far

Many funeral homes now offer livestreaming of services reducing the cost and burden on physically attending.

Traditional, scripted services are no longer the norm

Modern funerals are personalised and can encompass whatever a family needs to help them farewell their loved one in a meaningful way. Venues these days, for instance, range from churches and chapels to sports clubs, theatres, or the local club. And families are encouraged to add their own touches and tributes – both to save money but to also make it meaningful for them.

Your needs are just as important as those of the person who died

Finally, people often think they must ‘respect a person’s wishes’. But what about your own? You’re the one left behind so it’s important for you and your own wellbeing that you get that chance to say goodbye, and to have support around you.

If you genuinely fear disrespecting their wishes, have ‘that’ conversation. It doesn’t have to be morbid or difficult – after all you’ll be talking to the person you love most, and they’ll understand you will need help to carry on without them.

Luckily, my parents were already planning to use a Funeral Directors Association member so I don’t have to have that conversation. But with my new found knowledge I’ve also been able to talk to them about what I need from the funeral itself. And at least a little bit of fuss is what’s right for me.

Services designed to suit you

For over 30 years, Leishman Funeral Services (formerly Doug Nesbit Funeral Services) have been providing professional, thoughtful and relaxed funeral services to the Balclutha and the wider South Otago Community.

Owners/operators Stan and Bronwyn Leishman purchased the business back in August 2021, continuing with the same caring, approachable, thoughtful team with over 20 years experience in the funeral industry.

The team continues to provide commitment to assist grieving families, to listen and take care of them throughout the planning and funeral process to ensure the farewell service is a full, respectful, appropriate and financially affordable funeral service with attention to detail, thinking outside the box if required. The team can guide you through all options available.

These days funeral services can be arranged in many forms - traditional or untraditional - we can provide a service for all budgets. We can discuss with you the WINZ funeral grant application. We can discuss with you our direct cremation package option - just ring our office to discuss options that would best fit you and your family. Anything is achievable once all the options are discussed.

Keeping up-to-date with new technologies, our team can provide links to livestream funeral services for those not able to attend in person.

Personalised caskets, service sheets, photo slideshows, video recordings, in-house or outside catering can also be arranged. Families tell us what they would like and we endeavour to make it happen.

Prepaid or pre arranged funerals are something we can discuss with families that wish to plan ahead. Today more and more people are realising it makes sense to make provision for a prepaid funeral.

Individuals are legally entitled to put away up to $10,000 into a pre paid funeral trust. Leishman Funeral Services can arrange this on your behalf in a Trust with Trustees Executors. Here funds remain safely invested, collecting accured interest until required. Any funds left over after payment of the funeral account will be refunded to the Estate - all managed by Trustees Executors. No matter where you go in NZ, on death, your estate will always have access to these funds.

If you have any questions or wish to discuss any of these options further, we would love to hear from you. Give us a call and one of our team members will talk you through any queries you may have. Answering questions regarding a funeral service is our passion so give us a call on 03 418 2814 or email us at office@leishmanfunerals.co.nz Go to our website at www.leishmanfunerals.co.nz for more information about our services.

The importance of a funeral

A funeral has real purpose in starting the grief process. It creates an opportunity to celebrate the life of your loved one and say farewell to them in an appropriate and individual way. A funeral may take many shapes or forms depending on what is important to the person who has died, their beliefs, cultural needs, and many other personal preferences.

A funeral service can help us to:

• Acknowledge that someone has died and the reality of death

• Allow loved ones, friends and family, social groups and the larger community to come together to say goodbye

• Gives us support through coming together with those we love to support us

• Allows us to remember a life well lived, or a life cut short

• Gives us a time to reflect on the meaning of life and death

• The ceremony helps us to ‘do’, at a time when we often feel we don’t know what to do

• Allows us to express grief consistent with the person’s values, culture, faith and beliefs.

With warmth, sincerity, and sympathy the Affinity Funerals team will walk through each stage of the funeral with you, ensuring that a lasting and unique memory of your loved one is created.

With a caring and sympathetic approach, the team at Affinity has information and services available to support families through this grieving process. We take care of the administration while family and friends concentrate on responding to this loss in their own way.

Affinity Funerals is proud to operate one of Central Otago’s finest funeral venues but can assist you organising a service anywhere you wish. Your choice of funeral venue should reflect the needs of your family, as well as your beliefs and personal traditions.

Our Alexandra premises, located at 143a Centennial Avenue, is a modern, spacious venue with many options for layout and seating to cater for all sizes of funeral services.

We have an on-site, commercial grade kitchen, capable of providing a tasteful, light afternoon tea or something more substantial - whatever suits your loved one’s service.

We assist families throughout the Central Otago and Lakes District and our service is available 24 hours a day, 7 days a week. From the first consultation through to the final hour of resting we will be there for you offering a genuine approach with warmth and understanding.

Online resources are available at affinityfunerals.nz or call to speak to one of the Affinity Funerals team on 03 448 8405 .

At Affinity Funerals, we understand that the funeral ritual is far more important than just a gathering of people, followed by a cup of tea and cake.

Every funeral is different because every family and every person is different. The stories they’ve got to tell, the life that they have led is unique

- Affinity Funeral Director, Janice Millis.

Oamaru Funeral Services are a small, privatelyowned New Zealand company to support you with funeral service needs.

They approach serving families with a simple and professional approach. Oamaru Funeral Services believe they should serve families as they themselves would like to be served in times of grief.

The team can meet with you to pre-plan for your funeral or instead, fill out a form so your family knows what you would like.

They pride themselves on their caring and professional approach, as well as offering advice and assistance throughout the process.

Oamaru Funeral Services understands it can be a particularly stressful time for family members so always try to help ease your burden during this time.

They are not only professional but can support people with personal care, as well as aspects such as preparation and delivery services of the funeral.

Providing you with as much or as little guidance as you need, while most importantly providing you with a funeral at a most reasonable cost, Oamaru Funeral Services take the pressure out of organising.

They can tend to a multitude of tasks for you including the arrangement of; clergy or celebrants, service sheets, venues, clothing and jewellery, flowers, donations, caskets, pallbearers, newspaper notices, death registrations, music or hymns, visual presentations and death certificate.

The team wants to make sure you understand they are here to support you during this difficult time.

With many years of experience in the industry, the team is here to help guide you through the entire process. Helping families and friends honour their loved ones if what they do best.

To find out more information contact Oamaru Funeral Services on 03 434 8266 or visit their website oamarufuneralservices.co.nz.

Oamaru Funeral Services 49 Humber Street Oamaru 9400 03 434 8266 admin@oamarufuneralservices.co.nz oamarufuneralservices.co.nz

A positive difference

Wakefield Homestead aims to make a positive difference in people's every day lives with their rest home care.

With a great team of caregivers and a pool of volunteers, you can rest assured residents are well looked after. Residents are encouraged to personalise their rooms with furniture and ornaments or pictures. There’s also a happy hour every Thursday.

With around 22 beds, Wakefield Homestead creates a friendly atmosphere. There’s one large family lounge as well as a quiet lounge so people can get away from the main part of the home. This room has a lovely sunny aspect. There are two smaller sitting areas in the foyer area of the home. Outside, there are several areas to enjoy the gardens or look out to the park.

Wakefield Homestead has a van outing once a week so residents can get out and about. Because the homestead is so close to the village, residents can also walk to the shops, park or local green whenever they want.

Interests and activities include (but aren’t limited to) aromatherapy, art, big print books, board games, bowls, breakfast in bed, craft, chapel, classical music, concerts, cooking, dancing, flower arranging, gardening and so much more.

A nurse is available 24/7 and healthy, nutritious, home cooked meals are provided. There’s access to a dietician and all menus have been scrutinised by the dietician. A hair dresser visits every Monday (and as required) and a physiotherapist is available through the local Health Centre, which is next door to the homestead.

Other services include

• Palliative Care

• Wound Care

• Diabetic Care

• Meals on Wheels

• Respite

• Day Stay.

For more information, visit the homestead at 10 Edward Street, Wakefield or visit the website at www.eldernet.co.nz .

CUSTOMISED SIGHTSEEING TOURS FOR GROUPS OF ALL SIZES.

Our tours range from one hour to several days and are tailored to your interests.

To get the most out of your day, you need a driver with local knowledge, and no-one knows Queenstown and its surroundings like our Queenstown Taxi drivers.

With our impressive range of vehicles, including cars and vans, we are well-equipped to get you and your group wherever you want to go.

An example of some of our tours:

• Queenstown Highlights 2-4 Hours

• Wanaka Half Day

• Mount Cook Day Tour

• Milford Sound Day Tour

• Doubtful Sound Tour

• Glenorchy And Paradise Tour

• Winery Tours

Book A Taxi

At all times we endeavour to arrive promptly for all passengers. During demand periods eg, extreme weather conditions, major sports events, prebooking a taxi does not guarantee the taxi arrival time.

If you require a van please be advised we do not guarantee a van will be available for the booking time. However, we are happy to accept the booking if you are prepared to accept and pay for normal cars to accommodate the number of passengers travelling if a van is not available.

Your original Taxi Company in Queenstown with the Biggest Fleet in Queenstown.

Annabel Palatchie

Licensed Salesperson with Professionals North Otago and the Owner Operator of Essential Property Management.

Annabel started her Real Estate journey January 2015 as an office administrator. Over the last 7 years she’s adapted and grown in her role covering as Property Manager, working as a Personal Assistant and Business Manager before finally getting her salesperson licence in May 2022.

When things were changing for Professionals North Otago in August 2022, Annabel took on ownership of Essential Property Management.

021 146 6961