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This issue of Plus Living opens up looking at the sticky issue of personal finances, discussing why it’s never too late to start investing.
We also look at the beauty of slow travel, bucking the trend of ticking off a checklist of destinations and attractions and embracing the chance to take things at a more relaxed pace and actually enjoy the journey.
The next issue of the rank is urban egalitarianism, delving into ways to improve our cities for older people, and you’ll also find articles on the world of exotic pets, saying goodbye to dye and embracing the grey, plus long-distance running made simple.
You can also find recent good reads, great recipes, brain games and much more.
and more. Our aim is to provide information anyone can use, on any given day, so you can get more out of life.
Contents Copyright 2020 by The Job Agency
General Manager of Operations
Lifestyles
By Jamie Quinn
Darby Armchair
Upgrade your living room with this mid-century modern chair. Its sleek silhouette, subtle curves, and tapered wooden legs add a touch of chic sophistication while creating a light and airy feel in your space.
RRP $1099.00 www.targetfurniture.co.nz
Design Republique Sophia Ribbed Faux Fur Throw
Elevate your interior design with the luxurious Sophia Ribbed Faux Fur Throw in chocolate brown. This cosy blanket is the perfect accent piece to add a touch of elegance and warmth to your living room.
RRP $149.90
www.bedbathandbeyond.co.nz
Hadley Spiced Berry Check Cushion
Breathe new life into your living space with the Hadley Check Cushion. This fun accent piece is the perfect pick-me-up for any sofa or armchair in need of a refresh. This beautifully crafted pillow features a classic tufted check pattern and a colour palette that blends seamlessly with most décor.
RRP $99.99 www.adairs.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 T|A Markat assumes no liability or responsibility for any inaccurate, delayed or incomplete information, nor for any actions taken in reliance thereon.
Tabatha Table Lamp
This sleek and stylish lamp features a contemporary design that will instantly elevate the ambience of any room. Its soft, diffused light creates a warm and inviting atmosphere, perfect for illuminating your favourite reading nook or casting a gentle glow over your living space.
RRP $42.00 www.kmart.co.nz
Wavy Floor Mirror
This full-length mirror features a unique, wavy design that adds a quirky personality to any room. The soft curves of the mirror frame contrast beautifully with straight lines, creating a visually interesting look. Featuring a plush velvet frame in rich chocolate brown, this mirror is sure to be a conversation starter!
RRP $199.99 www.onceit.co.nz
Dollars and sense
By Jamie Quinn
Why it’s not too late to start investing
Investing isn’t only for the young. There are plenty of reasons why kicking off your investment journey later in life can not only be a good idea but actually quite a smart move.
Even though it might feel like you're late to the game, there are strategic ways to still benefit from investing.
You’re probably earning more than ever
Statistically, people in their 40s and 50s tend to earn more than they did in their 20s. Stats NZ highlights that while people in their 20s typically earn around $900 weekly, those in their 40s can make close to $1,400 per week. This increase is directly due to advanced skills, qualifications, and career progression over the years.
The extra income you earn during these years provides a perfect opportunity to expand your investment portfolio. Using your extra income for investments rather than increasing your lifestyle spending can have serious long-term benefits.
You’ve got time
One of the most common myths about investing later in life is that there isn't enough time to see real growth in your investments. You might be surprised to hear this, but your investment horizon might be longer than you think. Thanks to better healthcare and healthier lifestyles, life expectancy is on the rise. Starting to invest at 50 could give you a good 20-30 years to grow your investments. That’s plenty of time to ride out the ups and downs of the market and see substantial returns.
Just think, if you’ve got 20 or 30 years, that’s a lot of compounding cycles. For example, a $10,000 investment at an average annual return of 7% would grow to nearly $40,000 in 30 years without you having to lift a finger after your initial investment.
You’ve got life experience
By the time you hit 50 or 60, you’ve gathered valuable life and financial experience. Over the years, you've likely encountered a variety of financial situations—from managing credit and debt to handling mortgages and other significant investments like buying property. Each of these experiences has taught you valuable
lessons about risk assessment, the importance of due diligence, and the need for strategic planning.
Every financial decision you've made, every risk you've taken, and every planning strategy you've implemented has provided lessons that are directly transferable to investing. This could be anything from the importance of diversification to understanding the value of a good advisor.
Plus, if you’re done with major expenses like paying off your house or funding your kids’ education, you might have freed up your resources, allowing you to focus on growing your wealth.
Retirement is costly
With the rising cost of living and longer life expectancies, the amount needed for a comfortable retirement is growing. Investments made in your 50s and 60s can significantly boost your retirement savings. The power of compounding interest means that even investments made later in life can grow substantially, providing necessary funds for later years and reducing the risk of outliving your savings.
Investing wisely also involves planning how you will withdraw your funds in retirement to ensure your savings last. This might involve setting up a systematic withdrawal plan that adjusts for market conditions and your personal spending needs. The right strategy helps minimise the risk of going through your funds too early and can provide financial security throughout your retirement years.
Not all investments are risky
If the thought of jumping into the investment world in your later years makes you a bit nervous, especially about the potential risks, you're not alone. Many people share these concerns, particularly those who are considering investing later in life. However, it's important to remember that not all investments are created equal when it comes to risk.
There are plenty of safer investments, like bonds and dividend stocks, that can provide steady income without too much risk. These are great for maintaining and slowly growing your capital as you age.
Opportunity to leave a legacy
Investing can also be about leaving a legacy for your children or grandchildren. By growing your wealth through investments, you can ensure that your loved ones are financially secure after you're gone. This might involve setting up educational funds for grandchildren or ensuring that your children receive a solid inheritance, which can provide them with financial stability and opportunities for growth.
Know your risk tolerance
It’s important to tailor your investment strategy to your personal risk tolerance and financial goals. Risk tolerance is essentially how comfortable you are with the possibility of losing money in exchange for the potential of higher returns. It's influenced by several factors, including your current financial situation, your investment goals, your time horizon, and your, not least, your personal comfort with uncertainty.
If the idea of stock market volatility keeps you up at night, consider a more conservative approach, focusing on investments that provide steady, albeit potentially lower, returns. Balancing your portfolio with a mix of risk and safety can help manage potential downturns while still providing growth opportunities.
Seek professional advice
Investing can get complex, and there’s no shame in seeking some help. Financial advisors take the time to understand your specific financial situation, your risk tolerance, your retirement timelines, and your long-term financial goals.
They can also explain the ins and outs of different investment options and can be a steady hand when the market gets a bit wild.
Starting your investment journey in your 50s or 60s might seem daunting, but it’s far from impossible. In fact, with higher income, decades of financial experience, and a realistic look at your future needs, you’re in a good position to make informed and beneficial investment decisions. Remember, when it comes to investing, it’s definitely a case of better late than never. As the old Chinese proverb goes, “The best time to plant a tree was 20 years ago. The second best time is now.”
Even though it might feel like you're late to the game, there are strategic ways to still benefit from investing.
The beauty of slow travel
By Jamie Quinn
It feels like travel has become a checklist of destinations and tourist attractions.
But slow travel offers something different: a chance to take things at a more relaxed pace and really enjoy the journey.
For retirees, this style of travel can be particularly appealing. After years of busy schedules and commitments, there’s something special about taking your time to explore and experience new places without the pressure to tick every single sight off the list.
Slow travel is all about staying longer in one place and fully soaking in what it has to offer. It’s less about ticking off major attractions and more about enjoying the little moments that make a trip memorable. Instead of rushing from one tourist trap to the next, you might spend a week in a small village, wandering through local markets, chatting with locals, and finding the best coffee in town.
The benefits go beyond just having extra time. Slow travel is less stressful because you’re not constantly on the go. There’s time to rest, enjoy, and move at your own pace, which is so important for staying healthy and happy. There’s no need to wake up at the crack of dawn to catch a bus or fit three sightseeing tours into one day. Instead, you can plan your days around what brings you joy. It’s about focusing on the quality of your experience, not the quantity. This way, travel becomes less about rushing and more about rejuvenating. That flexibility means you can focus on your health, take time to relax, and truly enjoy the experience, meaning you arrive home refreshed and not burnt out.
Another advantage of slow travel is that it can be more affordable and sustainable, making it a win-win for your wallet and the planet. Staying in one place for a longer time can save money on accommodation and transport, giving you a chance to stretch your budget further. You might find a charming local rental for
a fraction of what you’d pay in a tourist-heavy area; plus, by cutting down on flights or long drives, you’re reducing your carbon footprint.
There’s also something rewarding about getting to know a place well. Spending more time in one location makes you feel like part of the community. You’ll have time to explore beyond the tourist spots and find hidden gems that most visitors miss. It might be a quiet park, a friendly local cat, or a scenic walking trail that becomes the highlight of your trip. These experiences create a deeper connection to the places you visit and leave you with memories that feel personal.
For retirees, slow travel is a reminder that life doesn’t have to be rushed. It offers the chance to rediscover the joy of exploring at your own pace, creating experiences that are as much about connection and relaxation as they are about adventure. So why not take the scenic route and see where it leads? You might just find it’s the most rewarding journey yet.
Slow travel is all about staying longer inone place and fully soaking in what it has to offer.
The scenic West Coast of New Zealand is famous for its stunning scenery, and you can experience it at the Greymouth Kiwi Holiday Park and Motels. Situated at South Beach, Greymouth, adjacent to the beautiful, rugged West Coast beach and the West Coast Wilderness Trail, you can stroll along the beach, admire the snow-capped mountains and in the evening experience the beautiful sunsets.
Don’t leave home without it
Travelling provides us with incredible new experiences, inspires us, and helps us create lifelong memories – but it can also be a little stressful, especially if you’ve got an existing medical condition that may impact your trip.
Travel insurance provides coverage for unexpected things that arise when you are travelling overseas or in New Zealand.
Travel insurance for pre-existing medical conditions can be a bit more complicated than standard travel insurance, but it is an essential option for travellers with health conditions.
What is a pre-existing medical condition?
A pre-existing medical condition is any health issue or illness that you have been diagnosed with or treated for before purchasing travel
THE AVENUE
insurance. This could include chronic conditions like diabetes, asthma, heart disease, or even mental health conditions such as anxiety or depression.
Why
is
travel insurance for pre-existing conditions important?
Standard travel insurance typically excludes coverage for pre-existing conditions. If you experience a medical emergency related to an existing condition while travelling, you may not be covered under a
The Avenue is within easy reach of the Whanganui River and Virginia Lake.
standard policy. This could lead to significant out-of-pocket costs for medical treatment, which could be financially burdensome and even dangerous, depending on the severity of the issue.
Types of coverage for pre-existing conditions
• Emergency Medical Treatment: This typically covers unexpected medical emergencies that are related to a pre-existing condition while you are abroad.
• Emergency Medical Evacuation: If you require evacuation due to a medical emergency linked to a pre-existing condition, this coverage can help.
• Trip Cancellation or Interruption: Some policies offer protection if you need to cancel or interrupt your trip due to a health issue related to your pre-existing condition.
Things to consider
Stability Clause: Insurers may require that your pre-existing condition is "stable" for a certain period before coverage applies. Stability usually means no changes in symptoms, treatments, or medications within the specified time frame.
Exclusions: Even with specialised coverage, certain severe or highrisk conditions may still be excluded. It's important to read the policy details carefully to understand what is and isn’t covered.
NZ made Sports Equipment Built to Last
Costs: Travel insurance for pre-existing conditions may come at a higher premium because of the added risk. The cost of the policy will vary based on factors like your age, health condition, destination, and the duration of your trip.
Specialised Providers: Some insurers specialise in offering travel insurance for travellers with pre-existing conditions, so it can be worth researching options tailored to your needs.
Tips for purchasing travel insurance for pre-existing conditions
• Declare all conditions: Always be upfront about your health status when purchasing insurance. Failing to disclose a condition may result in a denied claim.
• Compare policies: Different insurers may offer varying levels of coverage, exclusions, and costs, so it's essential to compare policies.
• Check the stability requirement: Be sure to verify the insurer’s stability clause to ensure that your condition is covered.
• Consult your doctor: Before purchasing, it's a good idea to consult with your doctor to make sure your condition is well-managed and stable for travel.
Urban spaces for all
Improving our cities for older people
By Ben O’Connell
The number of people aged 65 and older is expected to increase from 790,000 to 1.4 million in 2048, so around 24% of New Zealanders. Let’s face it; most of us will grow old in cities.
It was once assumed that seniors who could afford to would move to the suburbs, live in a gated community, or spend their days laxing at a beachfront summerhouse. For many of us today, this is too expensive. Staying in cities might also mean staying close to family and friends, and where we grew up or raised children.
Most of us don’t want to move around in old age. Those who downsize are more likely to move to a smaller home within that same community. Some cannot move because of a lack of options, which plays its part in the housing crisis.
Since the turn of the century, most OECD countries have committed to reducing the number of people living in traditional institutional care in favour of ‘ageing in place’. New Zealand policies from the 2000s reflect this, where integrated health and disability support and home-based services championed senior independence and freedom.
Perhaps we’re stuck in the 2000s, though. Urban centres live the widening gap between the super-rich and poor. Retirees with financial security can access personalised care and upgraded housing, but those without it face challenges like long wait times for publicly funded support and below standard housing.
Generally, our urban spaces are not designed to meet the needs of older people, a growing issue as our population ages. Our cities often don’t enable older people to participate or be included in public life.
Ageing with dignity in cities (and beyond) takes more than just policy; it demands infrastructure. The entire community benefits when we design public places, land use, and spatial planning that are comfortable for older people and intentionally include them.
Our ageing cities
In 2022, the Office for Seniors released an age-friendly urban places guide outlining the city design practices that benefit older people. Director of the Office for Seniors Diane Turner says that making a community age-friendly doesn’t just help older people; it helps everyone.
“It means that as people age, they can continue to live the lives they want and stay connected to the people and things that matter to them,” she said.
The guide comes as part of the United Nation’s Decade of Healthy Ageing. Launched at the end of 2020, the collaborative plan is led by the World Health Organisation (WHO) and aims to accelerate global efforts to address the needs of our ageing populations.
The WHO says that population ageing and urbanisation are two of the biggest social transformations of the 21st century.
Hamilton, New Plymouth, and Auckland are some of the New Zealand cities that have joined the WHO’s global network for agefriendly cities.
Yet cities and communities rarely tackle these two changes at once by considering the older population in design processes, whether it’s accessible transport, public seating, or barrier-free buildings, to name just a few age-friendly features. How great is a city to live in if people cannot comfortably grow old there?
The ’15-minute city’ is one where someone can fulfil most of their daily life in a 15-minute radius of where they live. From Portland to Melbourne (with its 20-minutes neighbourhoods), these centres have strong local economies, more equitable and inclusive community spaces, lower transport emissions, better air quality, better health and wellbeing outcomes, the list goes on.
It’s a list that mirrors the changes needed to support urban seniors. They feature accessible transport, barrier-free buildings, public seating, and facilities to ensure safety and convenience. They encourage active living, social connection and culture. To create truly age-friendly cities is to address the systemic social issues of urbanisation.
The ’15-minute city’ is one where someone can fulfil most of their daily life in a 15-minute radius of where they live. From Portland to Melbourne (with its 20-minutes neighbourhoods), these centres have strong local economies, more equitable and inclusive community spaces, lower transport emissions, better air quality, better health and wellbeing outcomes, the list goes on.
The Case of Toyama City
Japan is the world’s leading ageing society. This year nearly one third of its population will be aged over 65.
Since the 2000s, Toyama City has made an effort to be age-friendly. Its Compact City Strategy focusing on age-friendly developed public transport, senior activities, and subsidised housing within a 500-metre radius of train stations to encourage city density.
Innovation is a key value for Toyama City. Known as the ‘City of Medicine’ since the Edo Period (1603-1868) its long been the centre for traditional medicine in Japan. Its age-friendly urban strategy sees this longstanding history for improving its citizens’ wellbeing enter a modern era.
Toyama is a global exemplar for senior urban spaces. City mayor Masashi Mori says the compact city plan approach is “all carrots, no sticks” where residents are encouraged to move around and get involved in their community, but aren’t punished for their inertia. Over 65s have travel passes that cut public transport costs, and many city museums and attractions offer free entry to grandparents with their grandchildren, as two examples.
Mori looks at many metrics, and is encouraged by statistics like the proportion of over 65s in the city, which has steadily grown and remains above the national average. The proportion of Toyama requiring primary nursing care has also stayed flat at about 18.5%, a key figure for Mori that proves critics wrong.
Scrapbooking
By Jamie Quinn
Do you have shoeboxes full of photos and family memories collecting dust in the garage? Scrapbooking could be your answer to free up storage space and beautifully preserve your precious memories.
It’s
a fun and creative way to combine crafts and memory-keeping.
Here’s a step-by-step guide to help you get started.
Step 1: Gather your supplies
Scrapbook album: Choose an album size that suits your project, the most common sizes are 12x12 inches or 8.5x11 inches. Albums with protective sleeves will help preserve your work.
Paper: Stock up on acid-free papers to avoid damaging your photos over time. These come in countless colours and patterns.
Adhesives: Use photo-safe adhesives like glue dots, double-sided tape, or photo corners to secure your items without damaging them.
Scissors and trimmers: Precision cutting tools are essential for shaping and sizing your materials.
Pens and markers: Acid-free pens or markers are perfect for adding handwritten notes or embellishments.
Embellishments: These can include stickers, buttons, ribbons, stamps, and more to decorate your pages.
Step 2: Organise your photos and memorabilia
Gather the photos and items you want to include in your scrapbook. It helps to organise them chronologically or thematically, depending on your chosen theme. Remember, not every photo needs to be included—select those that best tell your story.
Step 3: Plan your layouts
Before you start glueing things down, lay out your pages loosely to get a feel for the design. Arrange your photos and embellishments
on the page without adhering them to experiment with different layouts. Think about balance and composition and how you can use papers and decorations to frame and highlight your photos.
Step 4: Create your pages
Once you’re happy with a layout, start glueing down your elements. Work one page at a time to maintain focus and coherence. Add decorative papers as backgrounds, then layer photos and embellishments. Use pens to add captions, dates, or anecdotes that give more context to your photos.
Step 5: Add embellishments
This is where you can really personalise your scrapbook. Use embellishments sparingly to enhance your story without overwhelming your photos. Stickers, die-cuts, ribbons, and other decorative items can add texture and interest to your pages.
Helpful tips:
Keep it simple: Especially when you're starting, it's easy to get overwhelmed by the possibilities. Focus on the basics and expand your techniques as you grow more comfortable.
Document the details: Don’t forget to write down the stories behind the photos. These annotations will be invaluable to anyone looking through the scrapbooks later on.
Enjoy the process: Scrapbooking is not just about the end product but also about enjoying the creative process.
Take your time and savour the act of preserving your memories!
Good reads
Looking for your next great read?
Check out this selection of 2024’s best-sellers.
By Jamie Quinn
The Women by
Kristin Hannah
The Women is a poignant novel that follows a group of female nurses serving in the Vietnam War. The story centres on Frances "Frankie" McGrath, who enlists after her brother's death. It explores the challenges, sacrifices, and enduring bonds formed by these women as they navigate the horrors of war and societal indifference upon their return.
The Housemaid by Freida McFadden
This suspenseful thriller follows a young woman named Greta, who accepts a nanny position in a wealthy family's isolated mansion. As she settles into her new life, Greta begins to uncover disturbing secrets about the family and their past. With a growing sense of unease, she realises that she may be trapped in a dangerous game where trust is fragile, and everyone has something to hide.
First Lie Wins by Ashley Elston
In this gripping thriller, a woman named Emily becomes entangled in a dangerous game of deception and blackmail. After witnessing a murder, Emily finds herself caught between the powerful individuals involved and must navigate a web of lies and secrets to protect herself and her loved ones.
Then She Was Gone by Lisa Jewell
Then She Was Gone follows the disappearance of Laurel. As the investigation unfolds, the lives of her family and friends are turned upside down. The novel explores the complexities of grief, the dark secrets that can be hidden within a seemingly perfect community, and the lengths people will go to protect their loved ones.
Safe Enough by Lee Child
In the latest Jack Reacher adventure, Reacher finds himself in a small town where a mysterious disappearance has left the locals shaken. As he delves deeper into the case, Reacher uncovers a web of corruption and danger that threatens to engulf the entire community.
Theworld of exotic pets Fur, feathers, and fins
If an animal doesn’t naturally occur in New Zealand, it’s exotic.
Having an exotic pet is an interesting and unique choice, and some common exotic species have very long lifespans and are space-efficient (unless you pick the wrong species of tortoise).
New Zealand household pet ownership is among the highest in the world. Having an exotic pet has its pros and cons, and understanding what you’re getting into is crucial.
A 2019 report found that one-quarter of exotic pet owners did no research before acquiring their animal. Polling commissioned by World Animal Protection found that more than half of New Zealand exotic pet owners didn’t realise their pet is exotic. If you plan on caring for an exotic pet, do your research! This article should be just the beginning.
There are some animals that New Zealanders legally may not own as pets, and lions, tigers, and bears, oh my, all make that list. In fact, you cannot have many exotic pets. It’s all thanks to the HSNO Act, the Hazardous Substances and New Organisms Act. The Act regulates the ownership of exotic pets, restricting any organism not recorded in the country before July 1, 1997, as a "New Organism."
Importing or creating such organisms, including genetically modified ones, requires government approval through the Ministry for Primary Industries (MPI), along with strict physical containment and safety measures. Zoos can keep exotic animals because they are approved containment areas and must secure individual approvals and undergo rigorous audits.
For private ownership, only exotic species present before 1997 and not classified as endangered are generally allowed. However, owning more unique or exotic animals like sloths or foxes is prohibited. So then, what options do Kiwis have? Well, Kiwis are certainly not one of them. Native species such as tuatara, kiwi, or kakapo cannot be kept as pets under any circumstances.
Cats, dogs, rabbits, and guinea pigs are common pets in New Zealand, but what about the exotics? Rodents such as mice, rats,
and hamsters are options, provided the right care is given to them, and they remain pets, not pests. Birds such as budgies, canaries, and some parrot species are also options.
Examples of more exotic pets you might choose to care for are axolotls (Mexican salamanders), turtles (such as a red-eared slider, eastern snakeneck, or Reeve's turtle), tortoises (take the Greek spur-thighed tortoise or Hermann's tortoise as examples), bearded dragons, leopard geckos, skinks, and newts. Most ornamental fish species are allowed, but you cannot keep invasive species or those that pose an ecological risk.
If you have the space, you may keep chickens, ducks, goats, sheep, cows, and alpaca; Kiwis are farmers, after all. Exotic mammals like ferrets, hedgehogs, and squirrels are prohibited. Most exotic birds and reptiles require permits for import or ownership. And dangerous or invasive species are banned, so no snakes!
Life on the wild side
Having an exotic pet has its challenges and can be a major undertaking. Exotic pets often have specific needs for diet, lighting, humidity, and enclosure size. Some veterinarians may lack knowledge; specialised vets may not be readily available or affordable. Legal restrictions and costs are further limitations.
The New Zealand Herpetological Society Incorporated (NZHS) promotes awareness and interest in amphibians and reptiles, which are common exotic pets. They say it’s important that exotic reptiles and amphibians aren’t released into the wild and that any species that isn’t naturally found in the country can have a devastating impact on native species and ecosystems.
New Zealanders embrace nature, and protecting our ecosystem is a key concern; exotic pets can threaten the environment we meticulously safeguard. To ensure you comply with New Zealand's biosecurity laws and protect its unique biodiversity, check with your local council and MPI to understand the rules and regulations.
Say bye to the dye
Embracing your grey hair can feel like a bold and intimidating move, but it’s also incredibly freeing.
For many, ditching the hair dye is so much more than a simple beauty choice. It’s also about self-acceptance, confidence and embracing your natural beauty. Grey hair can be stunning and elegant, but the process of transitioning can be scary without guidance.
Making the shift from dyed hair to natural grey starts with a mindset change. Society’s outdated views on beauty often link grey hair with being old, but that small-minded perception is changing. After all, grey hair is simply science. Our hair starts to turn grey due to a natural process where the pigment-producing cells in hair follicles, called melanocytes, gradually decrease their production of melanin. Melanin is responsible for the colour of your hair, and as its levels decline, hair turns grey or white.
Genetics play a significant role in determining when this change begins, and for some, this can be as early as their 20s. However, other factors like stress, health conditions, and nutritional deficiencies can also influence the process.
Once you’ve decided to embrace the grey, planning the transition is important. Some people choose to stop dyeing their hair altogether. This method requires patience since the line between dyed and natural hair can be quite noticeable. Regular trims can help reduce this contrast by gradually removing the dyed ends. If you’re feeling bold, cutting your hair short can accelerate the process and minimise the difference between the two shades.
For those who prefer a more gradual transformation, blending techniques can be highly effective. Adding highlights or lowlights can create a softer look. Hairstylists often use techniques such as balayage to seamlessly blend the colours, making the regrowth appear more natural and less dramatic.
Caring for your grey hair is essential during and after the transition. Grey can sometimes be prone to dryness and may develop a yellow tint due to environmental factors. Using a purple or silver shampoo can help neutralise those brassy tones, keeping your grey vibrant and bright. Deep conditioning treatments and nourishing hair oils will also help keep your hair soft, shiny, and manageable throughout the process.
Beyond the physical aspects, embracing grey hair involves an emotional transformation. It’s about letting go of societal pressures and redefining personal beauty standards. Social media has played a big role in this shift, with people proudly sharing their grey hair journeys.
Confidence is everything when transitioning to grey. Surround yourself with supportive friends, family and communities who celebrate natural beauty. Remind yourself why you made this choice, whether it’s for personal empowerment, freedom from constant maintenance, or simply embracing your authentic self.
'Every year, bereaved New Zealand families are paying lawyers millions more than they need to, for basic paperwork, after a loved one dies' - says Kiwilaw lawyer, Cheryl Simes.
Spurred by a local client who needed letters of administration, Cheryl has developed a nationwide online service for bereaved families who need High Court approval ('probate') before they can uplift their loved one's financial assets or deal with their loved one's land. Although now based in North Canterbury, Cheryl's service is available anywhere in New Zealand or indeed overseas.
Probate is usually needed even if there is a valid will.
You do not have to use the lawyer who holds the will
'Bereavement is hard. But before agreeing to anything, ask your lawyer for a specific probate estimate.
'Most lawyers charge from $1,000 to $3,000 just for probate, not counting the rest of the estate administration.'
Check the fee, before you agree.
Why use Kiwilaw?
It really is straightforward. An initial no-obligation online screening checks the will and any complications. If extra fees are required, you are told at that point. To go ahead, you answer questions in a simple online interview. Court-ready documents then arrive at your door, complete with instructions on what needs to be signed, how, where, and by whom, and how to send everything to the High Court for processing.
Where there's a valid will, Kiwilaw's fee is usually just $490 and you pay the $260 High Court fee direct.
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Our proudly family-owned and operated business brings a tradition of over 50 years of excellence and expertise of innovation to every product we design and manufacture.
With the understanding that each client has unique needs and requirements, Gyro-EV expertly pioneers customisation, design and manufacturing services for our clients and their vision from the initial concept to the final product.
Our team works closely with suppliers and clients to develop solutions that not only meet but exceed expectations.
We are equipped to assist with bespoke and unique solutions, we also offer a ready made range of EV installation products suitable to dot the l's and cross the T's for any chosen EV Charger for a dedicated Electric vehicle parking facility whether it is for one off, upgrade or a larger scale EV charging infrastructure.
Sustainability is a commitment at the forefront of our business and factored into our processes in manufacturing products which brought GYRO-cycle into fruition.
GYRO-cycled is an in-house recycling initiative across our range of products to commit to zero waste and provide a circular economy where we receive our old, damaged and end of life products that we wash and granulate in house and have made make into powder that is reused in some of our products.
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Stay on track
How to plan for a successful year ahead
By Paige O’Brien
Still being fresh into 2025, now is the perfect time to reflect, reset, and plan for the rest of the year ahead. Effective planning can help you stay organised and motivated and achieve your goals with clarity.
Reflect on the past year
Define clear goals
Before setting new goals, it is important to look back on the past year. What accomplishments are you proud of? What challenges did you face, and how did you overcome them? Identify patterns of success and areas for growth. Self-reflection can give you valuable insights into what strategies work best for you and where you may need to change.
Set specific, measurable, achievable, relevant, and time-bound goals for this year. Break your goals down into categories such as health, personal growth, relationships, and finances. Clear goals give you direction and a sense of purpose. For example, instead of saying, “I want to get fit,” set a goal like “I will work out three times a week for 45 minutes.”
ATMS knows that safety is measured by the reduction of risk through careful planning, preparation, highly trained staff, using state of the art plant and equipment, effective management and clear communication.
Mind Games
The old saying ‘use it or lose it’ applies as equally to mental acuity as it does to physical wellbeing, and more so as we age. With people progressively living longer lives, it is increasingly important to look after our mental health. So here are some activities for the mind… brain food for improving your state of mind.
ANSWERS:
RULES: Sudoku rules are simple. A 9×9 square must be filled in with numbers from 1-9 with no repeated numbers in each line, horizontally or vertically.
To challenge you more, there are 3×3 squares marked out in the grid, and each of these squares can't have any repeat numbers either.
Asbestos Specialists in Wellington, NZ
Are you planning a demo or renovation project?
We work on a variety of jobs from high-end fit-outs to full site demolition. We assist you throughout the process, from the initial asbestos survey, sampling, and asbestos management, to the final removal clearance report. With a focus on quality surveying, communication, and our knowledge of the New Zealand asbestos industry, we are the company for your next project.
Long-distance running made simple
How to get started and keep going
By Paige O’Brien
Long-distance running can be a fulfilling and empowering hobby to take up for those looking to maintain health and energy later in life. It is a wonderful way to stay active, build endurance, and enjoy the outdoors.
The benefits of long-distance running
Running longer distances brings a number of health advantages, including improved cardiovascular health, enhanced stamina, and better joint mobility. Regular long runs can also help with healthy weight management, boost energy levels, and help maintain muscle mass and bone density.
Mental health benefits are equally significant. Running has been linked to reduced stress, anxiety, and depression while also aiding mental clarity and emotional balance.
Getting started with long-distance running
Starting a long-distance running hobby later in life does need a thoughtful approach. Set realistic goals and gradually increase your distance. Consistency is essential – start with shorter runs and allow your body to adapt before increasing further.
Proper footwear is ideal to avoid discomfort and reduce injury risk. Visiting a speciality running store for a gait analysis can help you find supportive shoes tailored to your stride. Comfortable, moisturewicking clothing will also make your running experience more enjoyable by keeping you dry and preventing chafing.
Building a sustainable routine
Creating a manageable running routine involves balance and recovery. Include low-impact activities like swimming, cycling, or
yoga to support overall fitness and allow your muscles to recover. Rest days are essential to prevent injury and burnout.
Warm-ups and cool-downs are equally as important. Gentle dynamics before running prepare your body for movement, while post-run stretching helps with flexibility and muscle recovery.
Avoiding injury and staying motivated
Paying attention to your body’s signals is key to avoiding injury. Persistent discomfort may indicate the need to adjust your training intensity or seek professional advice. Incorporating regular rest periods and rotating different training surfaces can also minimise strain on your joints.
Staying motivated can be a lot easier when connected with others. Joining a local running club, participating in virtual challenges via apps, or finding a running partner can provide social support and accountability. Sharing experiences, setting new goals, and even participating in friendly competitions can keep your passion going.
Celebrating personal milestones, whether it’s completing a 5k, a half marathon, or mastering a new route, can also keep you inspired.
The joy of long-distance events
Taking part in long-distance events like half marathons, 10ks, or charity runs can be incredibly rewarding. These events can create a sense of community and achievement while giving you a chance to challenge yourself. Training for an event adds structure to your routine, making the experience more purposeful and motivating.
Long-distance running is about personal growth, improved health, and enjoying the journey. Lace-up your running shoes, embrace the challenge, and find out how far you can go.
The heart f the matter
By Ben O’Connell
180,000 people currently live with heart disease nationwide.
That’s more than one in 23 adults. Almost one in three deaths in New Zealand are caused by cardiovascular disease. February is Heart Health Awareness Month in New Zealand, a time to raise awareness of our country’s single biggest killer.
The general term ‘heart disease’ describes any type of disorder that affects the heart. Heart disease remains the number one cause of death and a major cause of disability and other health problems in New Zealand. A New Zealander dies from heart disease every 90 minutes and many of these deaths are premature and preventable.
The Heart Foundation is New Zealand’s heart charity. They say a heart-healthy lifestyle involves healthy eating, maintaining a normal body weight, enjoying regular physical activity, and not smoking.
Healthy eating includes a diet rich in fruits, vegetables, whole grains, lean protein, and healthy fats, low in salt, sugar, and processed foods.
“Making healthy choices can reduce the risks of developing heart disease,” says Dr Anna Skinner, the Ministry of Health’s chief clinical advisor in primary care.
She says that though there are some factors you can’t change that may impact your risk of getting heart disease, including family history, age, sex and ethnicity, the risks of heart disease are reduced in the long term by making healthy choices.
“It’s a no-brainer that we want our hearts to continue pumping properly. Being aware of the risk factors, and how to reduce them, is key to good health,” she says.
Knowing the warning signs of a possible heart attack is crucial. Dr Gerry says the signs are sometimes subtle.
If someone is short of breath, feeling off colour, fatigued and has a sore arm, chest or upper back, they may shrug it off or try to push through it.
Urgent work that saves lives
Heart Foundation medical director Dr Gerry Devlin says their work has never been more urgent. “Outcomes for those affected by heart attacks and other heart conditions have greatly improved thanks to Heart Foundation-funded work, but there is still much to be done.
“Funds raised help us to make a big difference whether it is supporting research that results in improved treatments and medications or investing in overseas training for our young cardiologists so we can offer world-class care in New Zealand.”
Gerry says significant gaps remain in research, diagnosis and care of women with heart disease. “It is an area we are investing in, on a national and international scale, and we hope this research will make a major impact on women’s cardiovascular health.”
The Big Heart Appeal on Friday 21 and Saturday 22 February 2025 will see volunteers take to the streets and raise life-saving funds for vital heart research. The Heart Foundation has invested $95 million into heart research since 1968. Donating is one way to make a difference.
Knowing the warning signs of a possible heart attack is crucial. Dr Gerry says the signs are sometimes subtle. “If someone is short of breath, feeling off colour, fatigued and has a sore arm, chest or upper back, they may shrug it off or try to push through it,” he says.
The Heart Foundation provides an indicative free online heart health assessment. Visit myheartcheck.org.nz to receive an estimate of your heart age and tips to help improve your heart health.
Serves 10
Simply deicious
By Jamie Quinn
Air fryer chicken rissoles
Chicken rissoles made in the air fryer are crispy on the outside, tender inside, and lower in fat—plus, they’re delicious.
With hidden zucchini and cheesy flavour, they’re sure to become a family favourite, perfect for days when pan-frying feels like a chore.
Ingredients
• 500g chicken mince
• ½ cup Panko breadcrumbs
• ½ cup grated parmesan
• 3 shallots, finely chopped
• 2 garlic cloves, minced
• 1 egg, beaten
• 1 zucchini, grated
• Honey mustard sauce for serving
Broccoli slaw
Serves 4
This vibrant broccoli slaw combines crisp veggies, crunchy almonds, and sweet cranberries for a deliciously fresh side dish.
Method
1. Combine mince, breadcrumbs, parmesan, shallot, garlic and egg in a large bowl. Squeeze excess liquid from the zucchini and add to the bowl. Season with salt and pepper to taste, and mix until well combined.
2. Shape 1/4c of the mixture into ten balls. Place them on a lightly oiled tray and gently press them into rounds.
3. Spray the rissoles and air fryer basket with oil. Cook at 180°C for 10 minutes or until golden and cooked through.
Serving suggestion: Serve with honey mustard sauce and sides of your choice. Enjoy!
Ingredients
• 3 cups broccoli stems, julienned
• 2 cups broccoli florets
• 1 cup carrots, julienned
• 1 cup red cabbage, thinly sliced
• ¼ cup red onion, thinly sliced
• ½ cup toasted sliced almonds
• 1/3 cup dried cranberries
• 1 cup coleslaw dressing
Method
1. In a large bowl, mix the broccoli stems, florets, carrots, cabbage, onion, almonds, and cranberries.
2. Drizzle with ¾ of the dressing and toss until evenly coated, adding more dressing if needed.
Serving suggestion: Top with more almonds and cranberries, then serve. Enjoy!
Mushroom risotto
This creamy mushroom risotto is a comforting, flavourful dish made with savoury mushrooms and a touch of Parmesan.
Simple yet elegant, it’s the perfect recipe for a cosy dinner or a special occasion.
Ingredients
• 8 cups chicken or vegetable broth
• 1 tbsp extra virgin olive oil
• 1 onion, chopped
• 2 garlic cloves, minced
• 500g white mushrooms, sliced
• 1 tsp fresh thyme
• 2 cups arborio rice
• ½ cup white wine
• 1 cup parmesan, grated
• 2 tbsp fresh parsley, chopped
Method
1. In a medium saucepan, bring chicken broth to a simmer over medium heat, then reduce to low.
2. In a large pot, heat oil over medium heat. Sauté the onion, stirring often, until translucent. Add one tablespoon of butter garlic, mushrooms, and thyme. Cook until mushrooms are soft and golden; season with salt and pepper to taste. Remove the mixture from the pot.
3. Melt the remaining tablespoon of butter in the pot and add the arborio rice, stirring quickly to coat. Cook for about 2 minutes until the rice smells slightly toasty, then stir in the wine and cook until mostly absorbed.
4. Add 1 cup of hot broth with a ladle, stirring often until the liquid is mostly absorbed. Continue adding the broth, 1 cup at a time, allowing the rice to absorb each addition before adding more. Stir frequently, cooking until the risotto is creamy and al dente (you may not need all the broth).
5. Return the mushroom mixture to the pot with the risotto.
6. Stir in parmesan cheese, then garnish with parsley.
Serving suggestion: Serve hot
Enjoy!
Microwave mug cake
This quick and easy microwave mug cake is the perfect single-serve treat for chocolate lovers.
Ready in just minutes, it’s rich, fluffy, and delicious!
Ingredients
• 4 tbsp self-raising flour
• 4 tbsp caster sugar
• 2 tbsp cocoa powder
• 1 egg
• 3 tbsp Milk
• 3 tbsp vegetable oil
• ¼ tsp vanilla essence
• 2 tbsp chocolate chips
Method
1. Combine self-raising flour, caster sugar, and cocoa powder in a large mug to prevent overflowing in the microwave. Mix well.
2. Add the egg and mix in as well as possible.
3. Add milk, oil and vanilla essence, mix until smooth, then fold in chocolate chips.
4. Place the mug in the centre of the microwave and cook on high for 1½–2 minutes, or until the cake has risen and feels firm to the touch.
Serving suggestion:
Allow to cool for a minute before adding your favourite toppings (optional). Enjoy! Serves 4
Electrified pedalling
The pros of e-bikes
E-bikes (electric bikes) offer a range of benefits that can be particularly advantageous for older individuals.
As we age, maintaining physical activity and independence becomes crucial, and e-bikes provide a safe, fun, and effective way for older adults to stay active while overcoming some of the challenges that may come with ageing.
Here are several reasons why e-bikes can be beneficial for older people:
Improved mobility and independence
E-bikes allow older adults to maintain or regain their mobility, offering a reliable mode of transportation for errands, social outings, and outdoor activities. The electric motor assists with pedalling, making it easier to tackle hills, long distances, or challenging terrain.
Low impact on joints and muscles
Unlike high-impact exercises like running, cycling—especially with the added boost of an electric motor—is gentle on the joints. The electric assist helps reduce the strain on knees, hips, and ankles, allowing for a smoother, less painful ride.
Cardiovascular and physical health benefits
While the electric motor assists with pedalling, e-bikes still provide cardiovascular exercise. The rider can choose the level of assistance which allows for a moderate workout that improves heart health, endurance, and overall fitness. Regular cycling on an e-bike can help maintain muscle strength, improve balance, and increase stamina without putting too much strain on the body.
Customisable assistance levels
One of the best features of an e-bike is the ability to adjust the level of assistance provided by the motor. Riders can opt for a higher level of power when they need it (e.g., on an incline) or lower the assistance to get more of a workout when on flat terrain.
As we age, maintaining physical activity and independence becomes crucial, and e-bikes provide a safe, fun, and effective way for older adults to stay active while overcoming some of the challenges that may come with ageing.
Increased confidence and safety
The motor assistance on an e-bike can help older riders feel more confident, particularly when navigating hilly areas, against the wind, or when travelling longer distances. With less effort required for pedalling, the risk of fatigue is reduced, which can help prevent falls or accidents due to exhaustion.
Mental health benefits
Physical activity, including cycling, has been linked to improved mental health by reducing symptoms of anxiety, depression, and stress. E-bikes provide a way for older adults to enjoy outdoor exercise with less effort, which can boost mood, improve cognitive function, and promote better sleep. Spending time outdoors and being active in nature can also reduce feelings of isolation and enhance overall well-being.
Easy to learn and use
E-bikes are generally easy to operate, making them accessible even for those who may not have cycled in years or have limited biking experience. The motor assist helps make the learning curve less steep, and the intuitive controls make it simple to manage speed and power assistance.
Reduced risk of overexertion
For older individuals, there’s always the concern of overexerting themselves during physical activity. E-bikes alleviate this concern by providing the option to adjust the level of assistance, ensuring that riders can control their effort and avoid pushing themselves too hard.
ROSIES FURNITURE REMOVALS
Whether you are moving house or moving office, you are going to need removers that will get the job done properly and safely. Here at Rosie's Furniture Removals Ltd, we can do just that.
Our team are dedicated, hard-working & will move your items with care.
CK and Co Property Management provides a boutique style property management service which caters to a range of clients. Our friendly, experience and supportive team believes there is no “one size fits all”, so talk to us about designing a property management package to fit with your needs. We aim to keep it simple.
We know the process of managing a property can be stressful, so we are here to ensure that our clients are stress-free and in the right hands.
We pride ourselves on being trustworthy, knowledgeable, professional and we care about our clients. We strive to make our clients lives much easier managing all requirements, with regular communication and property inspection reports.
We have a detailed screening process, so our clients can rest assured that we will find the best tenant for the property. We offer in-depth knowledge of healthy homes standards, urgent maintenance, rent arrears and management, inspections and competitive fees.
Full Property Management services include:
Tenant Selection
We complete a full reference and credit check of suitable tenants.
Property Inspections
We complete a full inspection of our clients property before any tenancy starts. This includes photographing the pre-tenancy condition and a full report alongside the photos.
Daily Rent and Arrears Monitoring
We check rent and arrears every day. If tenants are in arrears we will sort this out and send warnings if needed.
Cost
We have various packages available depending on our clients needs. Please contact us for a quote.
Why Choose Us?
When you sign up with the CK & Co Family, you don’t just get one person working for you - you get the whole team. We can offer an exclusive service to both our tenants and our landlords to ensure all needs are going to be met on time.
Jack Ross 027 283 3352 | jack@ckandcopm.nz
Leanne Devos 027 566 0757 | office@ckandcopm.nz
Unlocking build-to-rent housing
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.
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.”
our team of professionals provides top-notch services, property appraisal, marketing, and legal processes tailored to meet our client’s unique needs and preferences.
What to look for in a real estate agent
By
Your home is often your largest personal asset, so selling it can be both exciting and stressful at the same time.
That’s why having an agent that you can trust to help you achieve the best price and conditions possible for your home – all while being transparent and ensuring all parties are comfortable and aware of the processes, will make a big difference.
Certain attributes differentiate a great agent from a good agent. We recommend that you look for agents who demonstrate a great deal of professionalism, local knowledge and have a good reputation.
Look for someone who understands the kind of people who will be interested in your home. This will help with the marketing of your home and communicating the benefits of your property to potential buyers.
Local agents often have a network of potential buyers that they have been working with or regularly communicate with, who are ready and able to provide the best price for your home.
Great real estate agents are well connected, therefore asking family and friends if they know an agent they would recommend is a great start; referrals are often the best way to find an agent with a proven track-record, and not just someone who knows how to say the right things at the right time.
When asking for recommendations, remember to ask what factors their recommendation is based on. Did they get the level of communication they wanted? Did they think the agent used the marketing spend effectively? Did they manage any challenges through the process well?
Great real estate agents are well connected, therefore asking family and friends if they know an agent they would recommend is a great start; referrals are often the best way to find an agent with a proven track-record, and not just someone who knows how to say the right things at the right time.
Agents are usually more than happy to come to your property, share their knowledge and talk you through your options for selling. We recommend meeting a few agents before you choose who to work with.
Try visiting open homes they are hosting to understand how they present their vendor’s property. This will help you get a feel for how they will work to get the best for your property.
Take a look online and see how agents are using social media and digital marketing to increase coverage for the properties they are selling, and therefore see what you could expect for your home. Many agents will also use advanced technology to help market and sell your home, which can often reach a broader audience, for example:
• Virtual Reality tours or 3D walkthroughs are one of the options that increase the accessibility of an open home to a wider range of potential purchasers in the first instance, particularly out of town buyers
• Augmented Reality is another option that can help potential purchasers rework the layout of furniture in the home, so they can better picture themselves and their belongings in the home.
Try not to select an agent based solely on their commission fee, but it is important to understand what the fees are. While these do vary by agency, our advice is to choose an agent you trust and whose previous work gives you confidence.
Great agents can achieve a better price for your property by understanding the best strategies according to different market conditions.
At the end of the day, the person you choose is going to be a big part of your life while you sell your home, so it is important that you feel comfortable with them and that you can trust them to get the job done.
Jen Baird, chief executive of the Real Estate Institute of New Zealand
We know what you’re thinking - boutique means small, right? Well, sometimes. But for us, it’s so much more than that. It’s quality service, quality marketing, and importantly, it’s one-to-one service throughout the journey.
When you choose CK & Co, you don’t just get one agent; you get a strong collaborative team striving to deliver results beyond expectations. Our award winning salespeople were previously some of the highest performing for Lower Hutt’s largest real estate agency. You can call any one of us and know that you are getting the best. Whether you’re buying, selling, or just want some friendly advice – we are more than happy to chat.
Your sales consultant in Lower Hutt
Anna, with her deep-rooted passion for the Hutt Valley and a background rich in business development and client relations, offers a distinctive blend of professionalism and personal touch.
Her comprehensive skill set in marketing, sales negotiation, and client service, combined with Tall Poppy’s innovative marketing technology, ensures your property journey is both successful and stress-free. Known for going the extra mile, Anna’s dedication to service and fair fees makes her your ideal real estate guide.
Anna brings a wealth of experience and a genuine love for the Hutt Valley to her role at Tall Poppy. Respected within the community for her networking prowess and determination to achieve client goals, Anna’s professional background empowers her to offer unmatched service in real estate. Her commitment to excellence, coupled with a friendly, empathetic approach, ensures clients feel supported through every step of their property journey. With Anna, expect a seamless experience, underscored by her dedication to reducing stress and maximising outcomes. Her enthusiasm and her commitment in always achieving the best results for her clients matters to her a great deal. Anna will communicate every step of the way with you.
Anna loves the Tall Poppy principles of being big on service and offering fairer fee structures to vendors.
Anna enjoys the lifestyle in the Hutt Valley and what it offers families and people of any age. In her spare time Anna likes walking, gardening, cooking, spending time with family and friends, travelling and teaching Italian. She supports The Hutt Art Society, Te Omanga Hospice, Greenstone Doors Charitable Trust and Rotary Hutt City. Anna is married with two grown-up daughters and a cavoodle dog called Toffee.
Call Anna and let her be the person that looks after you through this important process.
Your Community Property Specialist
NORTHERN SUBURBS FROM WELLINGTON CITY TO TAWA
Immerse yourself in a real estate experience with a motivated and passionate sales professional. I understand the significance and impact in the decision of selling your home, and moving on to the next chapter. Its exciting, but you need someone to guide you, and that is what I do, with patience, empathy and a smile. I take great pride in ensuring that your experience surpasses expectations and is truly exceptional.
Come visit me at one my open homes and say hi!
Hardworking with great communication
I found Layne excellent to deal with. From the outset she was approachable, helpful and honest. We had a tricky settlement and tight timeframes, which required her to go above and beyond; she did an exemplary job. I highly recommend Layne.
– Scott R - Buyer
Best agent in Wellington City
We couldn't have asked for a better partnership with Layne, she worked so hard for us, keeping us informed and involved at every step of the sale process. We trusted her implicitly. If we have the opportunity again we would use Layne in a heartbeat
– Victoria and Dean - Seller
Layne
VICKY WEBSTER
m 027 728 8997 k vicky@oneagencyselect.co.nz
For me, the true reward of the Real Estate profession lies in delivering exceptional results for my clients and I look forward to bringing that dedication to your property journey.
One Agency’s innovative, modern approach to Real Estate immediately caught my attention during my search for a new professional home. Their philosophy strongly resonated with me and I was validated with the outcome I sought.
I am recognised as an outgoing, dedicated, and hardworking individual, approaching every task with unwavering commitment. My strengths lie in meticulous attention to detail, adept organisation and effective communication. Thriving on working with people, and adhering to the golden rule of treating others as I would like to be treated, I will ensure your property receives the most appropriate marketing, leaving no stone unturned to reach potential buyers. When entrusted with your property, I am committed to keeping you fully informed at every stage of the journey as I understand how stressful selling your home can be.
As a lifelong Upper Hutt local, I have deep roots in the community, actively participating in my children’s schooling and sports, including Cricket, Rugby, Football, and Squash. My passion for Squash has seen me serve on the committee of the Squash Club and perform the role of President for the last 6 years during my 30 year membership. Giving back to the community I love is important to me and I am involved in Keep Hutt Valley Beautiful and regularly collect for various charities.
Take the time to talk – about your funeral
By Gillian Boyes, Chief Executive, Funeral Directors Association of New Zealand
At many funerals these days, you’ll see a photo tribute or hear specially chosen music that reflects the person who has died.
But have you ever thought about the photos or music you’d want, or want for a loved one? Preparing these details can be a gentle way of beginning the planning for a final farewell and has the added bonus of helping you re-live many happy memories as you begin the sorting process.
If you’ve been wondering how to start here’s some more ideas to talk about with your family.
Think about where you’d like your funeral to take place - Chapels and churches are still popular but increasingly people are opting for highly personalised approaches.
Has a certain sport or interest been a big part of your life? Perhaps your funeral could be at your sports club or the club rooms of your interest group.
Love your garden, the beach, your local park? You could have a special ceremony there (your funeral director will let you know of any local council requirements). Your cultural traditions may dictate the venue. Funeral directors can work within those requirements too.
Your venue might dictate whether you have a funeral (with the body present) or a memorial (with ashes). Both options offer the opportunity for your family and friends to gather and remember which is a key part of their grieving process.
Consider whether you prefer burial or cremation
- While there are other options too such as burial at sea or donating your body to science, burial on land and cremation remain the most popular choices for most New Zealanders.
If you prefer a burial, some councils allow you to pre-purchase a burial plot which can help you avoid ever increasing cemetery charges.
Consider your casket choice - Caskets these days come in the widest possible varieties. Prefer something simple? An MDF, or plain casket your family can decorate themselves might be you.
Want to think sustainably? Solid wood options are for you, or consider a felted wool or wicket casket which might also reflect a love of nature. Shrouds are another option particularly for natural burials. Casket makers can also offer bespoke options including beautifully carved coffins and couches, or special wraps with your favourite image or colour. Yes we’ve even seen a donut themed casket. Learn what happens at a funeral home
Many people find it reassuring to know a deceased body is treated with the highest respect and care at a funeral home. You might have other questions you’d love to ask, so look out for local open days at funeral homes. People find these absolutely fascinating and taking away some of the mysteries about what goes on can also take away the fear.
Get your paperwork in order - A really important gift you can give to your family is having your paperwork in one place. This includes your will but also details that’ll help them close off bank accounts, utilities and even social media. Make sure that if you’ve organised a funeral pre-payment that details of that are included with that paperwork. We’ve sometimes had to follow-up and refund families who had no idea mum or dad had already paid.
A final paperwork tip is to make sure your immediate next-ofkin details are included with your important papers – these are important for death registration.
Talk with your family about what’s important for them - Remember that while you might not want a fuss, your funeral is a time for your family and friends to grieve for you. Coming together, hugging, looking at those wonderful photos or listening to the songs you loved will help them as they come to terms with living without you.
Writing down what you decide, or asking your local funeral home to capture the details in their system so they don’t get mislaid will mean that when the time comes, your special people are left with peace, not decisions.
Your Choice, Your Legacy
Crafted for individuality, Windsor caskets are designed to reflect unique lives.
Windsor Industries offers a stunning range of NZ made caskets crafted with care and designed to reflect individuality. From traditional solid timber to intricate carvings and custom colours, the choice is yours. Simply ask for a Windsor casket at your local funeral home.
Scan to view more!
Discover your casket options at www.windsorindustries.co.nz or speak to your local funeral home for more information.
The Buckingham - Perfect for those who have led a life of luxury and grace, this casket
choice, this pine casket reflects a life of sustainability, with natural materials and a commitment to the environment.
The Dorset Macrocarpa - For those who appreciate the natural beauty and strength of New Zealand, this casket embodies warmth
spirit was as free and graceful as the Piwakawaka (fantail), this casket captures a lively and natural beauty.
The Dorset Kowhaiwhai - A fitting tribute for a life rich in cultural heritage, this rimu casket with paua inlays reflects deep connection and tradition.
The Somerset Pearl Blue - For those who embraced individuality and colour, this metallic blue casket celebrates a unique life, full of vibrancy and artistic flair.
The Waka Moenga - A choice for those whose lives were shaped by their heritage, this beautiful hand carved Maori casket honours cultural significance and strength.
The Somerset Lavender - An ideal casket for someone whose life was defined by tranquility and gentleness, with a serene lavender painted finish that evokes peace.
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