37 minute read
FOOD & WINE
AORAKI SALMON
and wine pairings
Champagne Billecart-Salmon
Champagne is a classic match for coldsmoked salmon, and the appropriately named BillecartSalmon Brut is the perfect match for this member of the Aorangi portfolio. The name is a fortuitous coincidence – the house was established in 1818 by Nicolas François Billecart and Elisabeth Salmon – but the wine they created works particularly well with the fish because it contains a high proportion (40%) of Pinot Meunier, the lesserknown member of Champagne’s vinous trio. Blended with 30% each of Pinot Noir and Chardonnay, it adds a stylishly acidic edge that cuts the richness of the salmon while the rounded fruitiness of its fellow grapes plays nicely with the fish’s mouthfilling texture and savoury flavour. Particularly good with the hand rolls.
COLD-SMOKED SALMON SLICES
Cold-smoked salmon’s gentle smokiness and whisper of sweetness are nicely accentuated by white wines with well-rounded fruit edged by lively but not-too-assertive acids. This trio fits the bill nicely.
Aoraki Cold Smoked Salmon Tournedos
Serves 4 as appetisers
Tournedos usually refers to wrapping a beef fillet cut in bacon. Many species of fish are excellent to grill but lack a little depth in their taste. Wrapping small fish fillet steaks, in Aoraki cold smoked salmon, adds a subtle smoked, salty sweet flavour.
Ingredients
• 200g Aoraki Original Artisan
Cold Smoked Slices • Thick fillet of fish (monkfish, ling or elephant fish) • Cherry tomatoes • Salt & pepper to taste • Olive oil • Skewer or toothpicks
Method
1. Cut steaks about 1 inch thick through the fillet. (It’s important not to cut them too thick as it will take longer to cook, which would overcook the smoked salmon). 2. Lay a fair amount of cold smoked salmon out in a strip. 3. Roll the salmon around the edge of the steak tightly. 4. Secure the ends of the strip of salmon with a skewer or toothpicks. 5. Season and grill in a hot pan or
BBQ carefully turning each side twice until cooked. 6. Remove skewers and serve with cherry tomatoes that have been blanched and partially peeled.
Season with salt and pepper, drizzle with olive oil.
Helpful hint: It is possible to increase the size of small steaks by placing two back to back and wrapping them together with the cold smoked salmon strips. Skewer together and grill.
Aoraki Smoked Salmon Hand Roll
Serves 4 as appetisers
Ingredients
• 100 grams of Aoraki Hot or Cold Smoked Salmon • 4 half sheets of nori • 2 cups of cooked sushi rice • Slices of avocado and cucumber • Sprouts and any other vegetables • 1 tbsp Japanese style mayonnaise ‘Kewpie’
Helpful hint: Once you’ve made a roll, use a pinch of rice to glue the loose end of the nori sheet down.
Method
1. Place 1/2 a sheet of nori shiny side down diagonally in your nondominant hand. 2. Spread a ping pong sized ball of cooked sushi rice onto the third of the nori closest to you. Do this in the shape of an upside-down triangle. 3. Add the smoked salmon and selected garnish evenly in a line along the center of the rice triangle. 4. With your free hand, fold the bottom corner of nori closest to you snuggly over the rice and roll into a cone. You can serve with a soy sauce (we recommend a citrus soy like Ponzu).
FOXES ISLAND BY JOHN BELSHAM LA LAPINE 2013
It’s Sauvignon Blanc but, as the vintage suggests, not as we know it. Made from hand-harvested grapes, it is fermented with wild yeasts and matured for 10 months in French oak barrels before being put aside to rest for a few years before release. Sauvignon Blanc can be a good match for cold-smoked salmon, but the ubiquitous youthful, upfront styles can often be too aggressive for the velvety texture of the fish. It is the spicy, faintly charred notes of the oak that make the difference here, echoing the smokiness on the plate. It’s easy to find dried flower and orange rind characters on the nose, both of them contributing nicely to the match. The taste combination is equally successful. The wine’s well-rounded texture meets the salmon point-for-point, but it retains enough lively acidity to keep everything nicely refreshing. It works well with either of the suggested recipes, but combined with the sort of meaty fish species suggested for the tournedos, it’s a standout. FORREST ESTATE MARLBOROUGH ALBARINO 2020
Albarino, the ‘great white’ of Spain’s Galicia region, is beginning to make a name for itself in New Zealand, and Forrest Estate is one of the variety’s local pioneers. Once again, it is the notes of dried orange peel in the bouquet that begins the link with the fish. Sliced peach and apricot impressions are content to loiter in the background. Lively acids on the front palate put an edge on the salmon’s rounded texture, while the well-rounded fruit flavours accentuate its savoury richness. A great match for either recipe, or for the salmon on its own, on grainy toast or as part of a green leaf salad.
MUDDY WATER CHARDONNAY 2018
From Canterbury’s Waipara subregion and the winner of several awards, this no-holds barred Chardonnay has the power to match the equally uninhibited flavours of hot smoked salmon, even in combination with spinach, potato and onion ingredients in the hash. Impressions of pan-roasted hazelnuts, grilled peaches and browned butter on the nose are followed by creamy characters that sit perfectly with the runny egg yolk and mascarpone in the dish.
CLASSIC HOT-SMOKED SALMON
With power-packed savoury notes, mouth-filling texture and a tempting melange of flavours, hot-smoked salmon has enough versatility to partner a wide range of white or, unusually for fish, red wines. Go forth and have fun!
Aoraki Smoked Salmon Antipasto
Serves 4-6 as appetisers
The warm months of summer call for hot climate flavours. Fortunately, New Zealand grows some amazing Mediterranean style vegetables with intense flavours. In this dish, slow roasting condenses these flavours and provides a perfect pairing for the sweet, smoky taste of Aoraki Smoked Salmon.
Ingredients
• 2-3 packs of assorted of Aoraki
Smoked Salmon (Hot or cold smoked) • 1 punnet of cherry tomatoes • 1 x capsicum cut into 6 • A dozen or so quality olives (pits in) • 1x small eggplant cut lengthwise • 1 x head of garlic top 1 cm cut off to expose the cloves • 1 x small onion, skin on, cut into quarters • Some Mediterranean herbs, basil, thyme etc • 1/2 cup good quality olive oil • 1 heaped tablespoon mascarpone cheese • Sea salt and cracked pepper
Method
1. Preheat the oven to 175° C 2. Toss the tomatoes, capsicum, onion, olives, eggplant and garlic in a tablespoon of olive oil. Season with sea salt and cracked pepper. 3. Spread out on a tray and place into the oven. Cook for approximately 45 minutes or until soft 4. Choosing a long platter, place the mascarpone in the middle.
Create a divot in it and fill with olive oil. 5. Arrange the roasted vegetables and Aoraki Smoked Salmon around the mascarpone and serve with crusty bread slices. 6. For the bread, squeeze the garlic out of each clove to create a creamy spread.
GETTING THE MOST OUT OF LIFE
IT can be frustrating when we experience health niggles that get in our way. At NZ Natural Formulas we developed the CARE range using a natural, gentle approach to support you to stay as physically active, pain-free and as alert as possible. Together with sensible, healthy eating, staying hydrated and, if possible, getting fresh air everyday, our CARE range has been there to support you when needed over the last 25 years.
The C.A.R.E Range
• CrampStop: Do you get painful, unexpected muscle spasms at any time? If you are woken in the night with painful muscle spasms, having a bottle of
CrampStop on the bedside table gives fast relief and gets you back to sleep quickly. It’s good to have something you can use as a preventer for those painful cramps too. If you are likely to get muscle cramps after a round of golf, a long walk or bike ride - a couple of squirts of
CrampStop can help prevent the onset of cramps. Make sure you drink enough water during and after exercise. A side effect of some medicines can be a muscle cramp, and you can use
CrampStop with confidence that it won’t interfere with the action of your medication. • Anti Jetlag: Get the most out of your trips away. Although we are not flying much at the moment, this formula not only helps with travel nausea, circulation and the stress of being in cabin pressure for hours, it also helps settle an over-tired body and mind so you can rest more easily.
We also find it helps people at home who are kept awake in the night with a Busy Brain. Taking a few doses of Anti Jetlag can
quieten the chatter so you can get back to sleep. It is also useful for motion sickness in the car or on the water. • Revive: Our fatigue formula supports both mental and physical fatigue. Ideal for daily use to restore vitality if you suffer from fatigue after not sleeping well, having been unwell for a period of time (eg post-viral fatigue), long days of driving in your motorhome or overdoing it physically. It can help lift that heavy-headed fatigued feeling so you can focus on the job at hand. • Endurance: This is our formula to help with muscle function while you are actively out and about.
When used a few times during an activity, it helps lessen sore achy muscles. Finish that game of golf, cycle ride, long walk or gardening with less pain and muscle fatigue. Endurance may help any type of muscle pain, including sprains and strains.
All our natural products can be used daily or every now and then as needed. They can be used alongside any other medication or supplement.
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‘LOVE YOUR EARS’ FOR A HAPPIER LIFE
MARCH is World Hearing Month, an annual campaign to promote ear and hearing care worldwide. With a 2022 theme of ‘To hear for life, listen with care,’ this global initiative from the World Health Organisation provides a reminder to get your hearing checked – wherever you are in the world.
However, according to new research1 commissioned by Audika, Kiwis are not leading the pack when it comes to looking after their ears. 53 per cent of New Zealanders believe they have some degree of hearing loss – yet only one in four intend to book a hearing test.
The primary health concerns for Kiwis are memory loss and dementia (68 percent of participants) – yet 85 percent are unaware of the associated risk between hearing loss and dementia. According to a landmark 2020 study in The Lancet, treating hearing loss early – before or during midlife – is one of 12 modifiable risk factors for dementia.
The research also examined the health and happiness of those who wear hearing aids compared to those who don’t, pre-and-post testing. 41 percent of New Zealanders with hearing aids saying they now live a happier life, nearly one in three also reported improved relationships, and one in four said it had made a ‘life-changing’ difference.
“The results indicate that those who sought help for their hearing reported feeling happier, leading more satisfying lives, and having more fulfilling relationships,” said trained audiologist and Audika’s senior regional sales and operations manager, Michael Severn. “By contrast, The Lancet study highlights the risks associated with hearing loss on one’s cognitive health.”
While many Kiwis pretend to hear better than they could (37 percent),
since treating their hearing loss, more than half (51 percent) now enjoy better conversations. And over a third of respondents say they now feel more connected to their family and there is less stress in their relationship.
In recognition of World Hearing Day, Audika’s audiologists are encouraging all New Zealanders to ‘love their ears’ and take a free online hearing check.
“As Kiwis, we all need to take hearing loss more seriously” says Severn. “Having a free hearing check and wearing hearing aids can help you listen better, feel more connected and improve your quality of life. ‘Loving your ears’ could change your life.”
1. YOUGOV ANALYSIS INSTITUTE SURVEY, 2021: A TOTAL OF 24,041 PEOPLE AGED 18+ ACROSS 14 COUNTRIES WERE INTERVIEWED FROM DECEMBER 2 TO 28, 2021, INCLUDING 1703 NEW ZEALANDERS.
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If you're over 18, book a free hearing check. 0800 003 880 or Audika.co.nz I .Audika
SIT BACK AND RELAX WITH A RECLINER
These days most of us are spending more time at home. Because of this, there’s never been a better time to make sure you are making the most of the home you have. Turning your space into a sanctuary where you can feel your most comfortable is more important than ever. One way to add that extra comfort element is to add a recliner to your home.
RECLINERS come in all shapes, sizes and styles. Choose a recliner that suits your home, from the traditional, yet classic fabric recliner chairs, to more modern and sleek leather recliner suites. Recliners also vary in their functionality - there are your standard manual recliners, but there are also some more advanced recliners that are equipped with powered controls ensuring that you have ultimate comfort in all seating positions with just the push of a button.
No matter what recliner you opt for, a recliner allows you to correct your posture through multiple seating positions. You can put your feet up and recline to read a book or watch TV, then when you get tired, you can lie back with your legs up and have a rest without moving from your seat at all.
Recliners feature a quiet, smooth and easy operation, making some of life’s more difficult tasks, simple and easy. Some modern designs also combine extra features such as USB ports, cup holders and adjustable headrests, meaning you can create the ultimate lounging experience in your own home.
Explore an extensive range of recliner sofas and chairs at your local Harvey Norman Store today. The team at Harvey Norman can assess your needs and help you select the perfect recliner so you can start living life with ease.
Shop in-store at one of our 27 Furniture and Bedding stores nationwide or head online to harveynorman.co.nz
ADJUSTABLE BEDS – EASE AND COMFORT AT THE TOUCH OF A BUTTON
Buying a new bed is an important decision and not one that should be rushed. These days there are so many options, it can be hard to decide on just one. An adjustable bed, is a great solution. With an adjustable bed you can move the bed to your desired sleeping position and there’s added benefits such as being able to raise your head to read. When you buy an adjustable bed, you’re buying a bed that can be altered to exactly what you want.
Features and Benefits
• Being able to adjust your bed can help with health issues such as poor circulation, heart burn and breathing problems. • If you and your partner prefer to sleep in different positions, you can choose a split model. With a split bed base, each side of the bed can be independently moved – one person can have the bed laid flat to sleep while the other can lift the back up and read in bed at the same time. • Another advantage of a split bed is that you and your partner can each select the mattress comfort you desire – even if one person prefers super firm and the other likes their mattress soft, there’s no compromise needed. • The base can be paired with different customisable headboard styles to suit your bedroom décor. Select from upholstered headboards or beautifully crafted timber designs.
As well as having movement features, upgraded models have additional functions such as vibrating massage settings, speakers, Bluetooth capability and under bed lighting.
You deserve a rejuvenating, restful sleep every night, so head into your local Harvey Norman and let our sleep experts help find the perfect bed for you - an adjustable bed might be just what you’re looking for.
Shop in-store at one of our 27 Furniture and Bedding stores nationwide or head online to harveynorman.co.nz
STRETCHING yourRETIREMENT MONEY
MANY new retirees literally have a ‘wealth’ of options as they gain access to the funds they have built up over a lifetime. There are many choices to make on how to manage it.
The stakes are high, since no one draws down their money more than once, or gets any practice runs before cracking open a nest egg. No pressure, but it will be hard to recover your funds or build them up again if anything goes wrong.
The other important thing to know is that people don’t typically spend consistently throughout retirement. There are usually higher expenses early on (as we tick off the bucket list). Spending generally then falls during the middle stage before picking up later in life due to increasing health costs.
So, studying our options, planning and getting quality advice become more important than ever.
HOW MUCH RETIREMENT MONEY SHOULD YOU USE AT A TIME?
The retirement calculator shows just one way to draw down savings, using a rule of thumb called the ‘life expectancy rule’. This means stretching savings for as long as you estimate you’ll live. It’s not the only one, however.
The New Zealand Society of Actuaries have offered four rules of thumb that can help us make decisions on how to draw down our funds in different situations:
The Life Expectancy Rule:
Each year, take out the current value of your savings divided by your average life expectancy at that time. This is for those who want as much income as possible during retirement and are not focused on leaving an inheritance.
The 6% Rule:
good for those who want to spend more at the start of retirement, when they are more active, and who are not focused on leaving an inheritance.
The Inflated 4% Rule:
Take 4% of the starting value of your savings, then increase that amount each year with inflation. This works well for people worried about running out of money, or those who want to leave a legacy.
The Fixed Date Rule:
Run down your savings to a set date. Each year, take out the current value of your savings divided by the number of years until that date. This is good for those who are okay with living off of NZ Super after their chosen date.
KEEP YOUR RETIREMENT MONEY IN THREE BUCKETS
During retirement, there are three challenges to overcome with the money you have: • Liquidity: For the short term (0–3 years), you need money to live on and cash on hand in case of an emergency. • Income: For the medium term
(4–9 years), you need money invested that can spin off a regular income for when you’ll need it. • Inflation: For the long term (10 years plus), you need money invested that can keep up with inflation. Money loses its buying power over time, so in the long term it can’t be just stuffed under a mattress – by the time you’re ready to spend it, it will have lost much of its value.
The solution to these three challenges is to have your savings in three buckets: • The short-term one can hold cash. • The medium-term bucket can be filled with income-producing investments such as bonds. • The third long-term one can hold growth assets such as shares or property.
Spreading funds across all three buckets help prepare for decades of retirement. It all comes down to when you will need to spend the money – and you can invest accordingly to match your needs.
You’ll need to review your situation each year and move money from long term to medium term, and from medium to short. This helps to make sure your savings will be there when you’ll need them.
Budgeting for retirement
Getting close to retirement? It might be a good time to work out a detailed budget. Everyone can benefit from having a budget – a plan of what money you expect to receive and how you expect to spend it. A budget is one of your best tools for managing your money, whatever your age.
Think about what future weekly expenses might be in today’s money. You may head into
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retirement with costs such as rent or mortgage payments. These can take up a large portion of retirement budgets. Take basics into account too such as insurance, maintaining the house and car, or replacing a major appliance.
Build in some funds for the unexpected, such as dental care. Think about the big things that might need to be paid for later on as well – like a new car, new roof or repainting the house.
You can make your retirement budget with our budgeting tool: https://sorted.org.nz/tool/ budgeting-tool#/welcome
EXTRA SUPPORT IN RETIREMENT
Day-to-day expenses
The SuperGold Card is a discounts and concessions card available free to all New Zealanders who are aged 65 years or over, and those under 65 years receiving NZ Super (as a non-qualifying spouse or partner) or the Veteran’s Pension. Using it regularly can help save money on day-to-day expenses.
The SuperGold website has up-to-date listings of all discounts available with the card.
For more information visit www.supergold.govt.nz or Contact the SuperGold Card Centre on 0800 25 45 65 Healthcare costs
A Community Services Card can help with the cost of healthcare. If you qualify, you’ll pay less on some health services and prescriptions.
If you’re eligible for a Community Services Card, this will be indicated on the back of your SuperGold Card. For more information, or to apply for a Community Services Card, call Senior Services on 0800 999 999 or visit a Senior Services centre.
Get in touch with your local experts
0800 870 3260
midlandsfundsmanagement.co.nz
WHY INVEST WITH MIDLANDS FUNDS MANAGEMENT?
FIRST and foremost, our team of specialists have you at the heart of everything we do! We have the opportunity to be close to each and every one of our investors.
Midlands has nearly 800 investors and over $100 million in funds under management.
As an investor your funds are pooled with other investors in the Midlands Income Fund. The Fund provides investors with quarterly cash income which can be added to your investment OR assist in topping up your income. The Fund targets (but doesn’t assure) a pretax return of 2.5% to 3.0% above New Zealand registered bank 1-year term deposit rates (for the quarter ended 31 March our annualised pre-tax return was 4.80%(1)).
Our experienced team of professionals ensure that your investment is carefully, responsibly and expertly managed. This diligence is reflected in our consistent returns and low default rate. Many of our directors, shareholders and staff are invested alongside you in our funds. Where is your investment placed?
The Fund invests in a quality diversified loan portfolio secured by first ranking mortgages over residential, commercial, and rural land and buildings spread throughout New Zealand.
A balanced portfolio is maintained across sectors, mortgage types, Loan to Value Ratios (LVRs), servicing capability, exit strategies, interest rates, maturity dates and locations. The Investment Committee adjusts the strategy depending on our market view, sector preferences and risk-reward dynamics. As at 31 March the portfolio had a weighted average LVR of 47% with no sector’s weighted average LVR above 50%. Most of our loans are on a floating rate basis.
What is the investment approach?
Our investment strategy is deliberately conservative to enable us to weather market volatility and focus on capital protection whilst providing consistent and reliable rates of return.The Midlands Income Fund has a Risk Indicator of 1 (low) (2). Your money is not invested for a fixed term (unless invested in our Wholesale Fund) and whilst we suggest that you should hold the investment for a minimum of 2-years, unlike bank term investments which cannot always be broken without cost, we normally only require five days’ notice of intent to withdraw.
Established in 2004, Midlands Funds Management Limited is licensed by the Financial Markets Authority as a manager of registered schemes that invest in loans secured by first mortgages and overseen by an independent supervisor, Trustees Executors Limited.
Why do borrowers come to Midlands?
Borrowers come to Midlands when they don’t quite fit bank lending criteria. This can be for a variety of reasons, including being a new business owner or self-employed with no PAYE income, the borrower’s age, or having assets but no cash flow over a short period of time. Borrowers are sometimes also looking for bridging finance or to release equity value in their current property for investment purposes. Typically repayment is by way of selling an asset or refinancing to main bank.
Email: sandy@mmt.net.nz 0800 870 326 or 0276 244 554 midlandsfundmanagement.co.nz
MIDLANDS FUNDS MANAGEMENT LIMITED, THE ISSUER OF THE MIDLANDS INCOME FUND, IS NOT A REGISTERED BANK. THE PRODUCT DISCLOSURE STATEMENT FOR THE MIDLANDS INCOME FUND IS AVAILABLE FROM OUR WEBSITE MIDLANDSFUNDSMANAGEMENT.CO.NZ. (1) ANNUALISED PRE-TAX CASH RETURN FOR
THE FUND, PAID QUARTERLY. RETURNS
ARE NOT GUARANTEED AND PAST
PERFORMANCE IS NOT A RELIABLE
INDICATOR OF FUTURE PERFORMANCE. (2) A RISK INDICATOR OF 1 DOES NOT
INDICATE A RISK FREE INVESTMENT. FOR
MORE INFORMATION, PLEASE REFER TO THE
FUND’S PRODUCT DISCLOSURE STATEMENT.
RETIREMENT VILLAGE INDUSTRY INVESTMENT
The thriving senior living sector continues to enjoy sustained growth driven by significant demand from the baby boomer generation. It’s a trend that’s showing no signs of slowing down as life expectancy also increases. And one which offers a long-proven record of generating attractive income for Kiwi investors.
THE key target population for retirement villages is those aged 75+. According to Statistics New Zealand, in 2020 there were estimated to be almost 332,000 residents in this bracket. This key demographic is forecast to increase greatly – creating a shift in the structure of the population that will continue to drive increasing demand for the retirement sector.
Since 2008, the percentage of New Zealanders aged 75+ living in villages has risen from 8% to 14%. The retirement village industry is New Zealand’s largest supplier of new dwellings and contributes significantly to easing the shortage of new housing.
John Jackson is the Executive Director of Senior Trust Retirement Village Income Generator and has been involved in investment in the sector for 22 years. He believes the current surge in demand reflects the concerns of many senior New Zealanders about social isolation, security, and a desire for a good quality of life in their golden years.
Currently in New Zealand, 422 villages provide a total of 36,500 dwellings - the six largest retirement village operators are Ryman, MetLife Care, Oceania, Summerset, BUPA and Arvida. These key players compete for market share with large scale retirement villages in major cities.
Expected growth will put the total retirement village population at just over 81,000. Significant development activity is forecast to match this growth. Unlike many other industries, senior living development and investment opportunities have proven to be unaffected by the pandemic.
A significant trend is the growing demand in the regions and welllocated urban areas for boutique, independent villages with a less corporate, more intimate, and more innovative experience and service. Many independent operators offer elevated levels of facilities and services in stunning locations – defined as naturally occurring retirement communities (NORC). Their climate and recreational opportunities attract a high proportion of retirees.
Senior Trust focuses on this segment of the retirement industry by supporting and funding experienced, capable retirement village operators who deliver high quality retirement villages at the premium end of the market. It focuses on loaning to villages in NORC locations which are becoming increasingly popular with discerning seniors seeking the best for their retirement.
Senior Trust builds wealth and wellbeing, by investing in premium, retirement assets that deliver attractive, solid returns for investors, while creating quality places to live. To help Kiwis live more comfortable lives.
DARE TO ADVENTURE IN THE SUZUKI IGNIS EXPLORE
WITH oodles of space inside its vibrant modern design, the Suzuki Ignis Explore is the perfect mix of urban and adventure. A super-compact, five-door hatch SUV that is spacious, nimble and fuel efficient - but don’t let its diminutive exterior fool you. The Explore is just as comfortable cruising on the open road as it is darting around town. Its matt black alloys, rugged side body moulds, bonnet protector, and streamlined roof racks set you up for exploring this great wide world and getting into adventures both big and small.
You can forget worrying about tight supermarket parking with the Explore and its 4.7 metre turning circle, while the thought of navigating narrow inner-city streets will no longer result in a cold sweat. The Explore’s TECT (Total Effective Control Technology) high-tensile steel frame is as light as Sunday sponge cake, resulting in even greater manoeuvrability and outstanding cornering ability.
Say goodbye to struggling in and out of a low car, as the Explore’s high seating position not only provides easy entry/exit of your vehicle but also offers excellent visibility. Once you sit inside and gaze out the steep windscreen, your head untouched by the high ceiling, you’ll be pleasantly surprised at just how spacious it is. Oh, and did we mention the boot is rather generous? More than enough room for your groceries with the rear seats up, while when down, the boot opens to ample space for your prized haul from the local weekend market.
Rising fuel prices will be less of a concern in the Explore, powered by its 1.2 litre DualJet engine, as the 5-speed manual gets 4.7 litres per 100 km and the auto 4.9 litres per 100 km*. Not only is the Explore hyper fuel efficient, from 1 April 2022 it will also qualify for the Government’s Clean Car Discount, meaning you can claim $2,490.34 back on a manual and $2,129.48 back on an auto.
You’ll feel safe as houses all day long in your Explore, no matter in a bustling city or joyriding the open road. With a host of safety features – including Anti-locking Braking System (ABS) with electronic brakeforce distribution (EBD), Electronic Stability Programme (ESP), six airbags, side impact beams, and cruise control – you can rest easy that the Explore will get you to your next adventure safely. The standard reverse camera will also help ensure your rear bumper is protected from that mystery parking bollard hiding from your side mirrors.
Wherever you go, you’ll have a wealth of options inside to help you along your way. The 9-inch touchscreen infotainment system is the hub for all your driving needs, with smartphone connectivity you’ll be able to call, navigate, and play your essential driving soundtrack.
With an unbeatable combination of style, safety, fuel efficiency and comfort, the Ignis Explore is a deal and a steal at $23,990 manual or $25,500 auto plus on roads. Like all Suzuki cars and SUVs – it comes with a 5-year warranty and 5 years of Suzuki roadside assistance. Find out more on the stunning Ignis Explore at www.suzuki.co.nz.
*ADR 81/02 RESULTS FOR COMBINED CYCLE. FUEL CONSUMPTION WILL VARY DUE TO FACTORS SUCH AS VEHICLE CONDITION, DRIVING STYLE AND TRAFFIC CONDITIONS.
RVA CONCLUDES RESIDENT CONSULTATION FORUMS
THE Retirement Villages Association (RVA) has recently completed a national programme of meetings with retirement village residents to share its Blueprint for the Future.
The blueprint, which was launched last year, includes providing residents with a stronger voice, strengthening the complaints process and working with the Te Ara Ahunga Ora – Retirement Commission (formerly the Commission for Financial Capability) to monitor re-licensing times so best practice standards can be developed.
The forums in Tauranga, Wellington, Christchurch and Auckland were chaired by former Seniors Minister and MP the Hon Tracey Martin, who has recently stepped down as an independent member of the RVA’s Executive Committee.
RVA Executive Director John Collyns said the meetings were extremely positive and excellent progress was being made with the industry collaborative approach aimed at addressing residents’ concerns and issues.
“We understand that a review of any legislation as proposed by the Retirement Commission is appropriate at some time but we have always felt that more pressing issues currently exist for government,” said Mr Collyns.
“The growth of our sector, the fact more than 100 Kiwis are choosing to move into a retirement village every week and the overwhelming satisfaction levels among residents clearly demonstrates we have struck the right balance between robust regulatory oversight and effective self-governance.
“However, we accept there is always room for improvement and refinement around certain practices as our sector and our offering evolves. The blueprint sets out the tangible and definitive steps
we will be taking to achieve that goal.”
The Blueprint for Change addresses weekly fees (fixed or a predictable increase, ceasing when a unit is vacated), commits to making sure operators re-licence vacant units as quickly as possible, pledges to ensure the terms around transfers to care are transparent, and addresses any perceived or real “unfair” clauses in Occupation Right Agreements (ORAs).
Mr Collyns and RVA president Graham Wilkinson attended all forums to give presentations and answer questions.
A frequent question was around the role of Statutory Supervisors – who monitor the financial position of a village and the security of residents’ interests.
“There appears to be a lack of clear understanding over the legislative role of the Supervisor and the RVA will explore how we can improve awareness and understanding of this,” said Mr Collyns.
Other points included the use of ‘re-licensing gains’, transparency around the business income and outgoings and greater ability to negotiate terms of ORAs.
Mr Collyns and Mr Wilkinson addressed all points, providing details wherever possible on where residents could access the information they required.
“We agree there is a role for continuously educating operators and residents about the re-licensing process and to encourage best practice including dealing with potential drawn-out re-licensing times,” said Mr Collyns.
Ms Martin said the RVA has committed to exploring what more could be done to support a more streamlined transfer to care both inside the sector and where they could with the Ministry of Health and Ministry of Social Development.
“The retirement villages sector agrees that the move to care should be transparent. The RVA is identifying where improvements can be made, and will work with operators and regulators to ensure the process around the move is as transparent as possible.
“It was also acknowledged by both the RVA and residents at the meeting that there could be some more clarity on wording in the ORAs around “intentions” to provide care facilities.”
Ms Martin said that following each forum she enjoyed informal discussions with residents.
“There were very few who were not happy with their village and none who wished to leave their village.
“At the Auckland forum, a member of the residents spontaneously asked all those residents who felt that their village had kept them safe during Covid to raise their hands. Almost the entire room raised their hands. Residents attending again and again verbalised how happy they were in their villages.”
The RVA recently commissioned research into retirement village residents’ degree of vulnerability.
“The research covered almost 1,700 residents across 105 member villages. It showed that there was a very small minority of residents who might be considered vulnerable,” said Ms Martin.
“Nevertheless, the RVA is launching a trial with Fairway Resolution across 11 Auckland villages with a confidential service to allow residents to discuss any problems no matter how small, with a skilled person.” Due to other commitments, Ms Martin is stepping down from her RVA role with former MP and former Senior Citizens Minister Hon Jo Goodhew taking on the position.
FORMER SENIORS MINISTER AND MP THE HON TRACEY MARTIN,
For more information please contact John Collyns, RVA Executive Director, on 021 952 945 or john@retirementvillages.org.nz
FINDING THE BEST LEGAL AND FINANCIAL FIRMS
WHEN you are organising a will, selling or buying houses, or moving into a retirement village, you need legal and financial firms who understand your situation and offer great advice. Knowing about the various retirement or investment options, and having a plan are a vital part to helping ensure you are able to have the best lifestyle you can.
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Not all lawyers and financial advisers are the same and we would like your help to know what you think!
This year AgedAdvisor New Zealand launches it’s legal and financial services platform for hints, great tips and user-led assistance in finding the legal/financial firms that others like you have been happy with.
Aged Advisor Founder, Nigel Matthews, says the site’s growing success is thanks to the thousands of reviewers that take the time to share their experience. “We’re implementing a new programme to recognise and reward our ‘reviewer’ critics better. Starting in May 2022, the more reviews people place, the more chances they will have in winning our reviewer prize draws as well as earning critic reward points.”
You can rate and review retirement villages, care homes, legal firms, financial services and more at www.agedadvisor.nz
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