Why you shouldn’t worry about worrying
Making the most of every day
8 tips which involve doing surprisingly little
An essential mindset to help you navigate modern life
Getting more out of your money
SCAN QR CODE FOR HANDS-FREE READING
No investment property is ever the same, as our clients’ situations and needs are all different. At Harcourts Cooper & Co, we like to get to know you, to find out what is important to you and what you are hoping to achieve We will listen and work in partnership with you to design a strategic plan that is most suitable to your needs and is applicable to the current market you will be renting your investment property in.
Cooper and Co's Property Management team are consistently recognised as being among the best in the business. At our core, we believe in providing world class, best practice service to assist our clients on their investment journey
#1 PROUD TO BE A NUMBER ONE
Franchise for Harcourts for 12 years running!
At Harcourts Cooper & Co we specialise in providing exceptional residential management solutions to property owners like yourself. With a team of over 100 years combined experience in the industry, we have developed a strong reputation for delivering tailored and efficient management services that maximise property value and tenant satisfaction Our team of dedicated professionals understands the unique challenges and opportunities associated with residential property management. We are committed to providing personalised solutions that align with your specific needs and objectives
Our commitment to excellence and our client-centric approach set us apart. We strive to exceed expectations and deliver exceptional service every step of the way By entrusting us with the management of your residential property, you can focus on other aspects of your life or business while enjoying peace of mind.
Our comprehensive range of services includes, but is not limited to:
Property Marketing and Tenant acquisition
Rent Collection and Financial Management
Property Maintenance and Repairs
Lease and Legal Compliance
Tenant Relations and Conflict Resolution
Regular Property Inspections
thisissue An essential mindset to help you navigate modern life Making the most of every day 8 tips which involve doing surprisingly little
LIVING FREE SCANQRCODEFOR HANDS-FREE READING
WELL AND AGEING GRACEFULLY IN A MODERN SOCIETY Stress out Why you shouldn’t worry about worrying Bang for your buck Getting more out of your money
The freedom a little organisation offers
This issue of Plusliving takes a practical look at how impactful even a modicum of self-organisation can be.
Enjoy.
EditorJonathonTaylor
Quaterly distribution: FREE distribution maximises readership
Publisher: The Job Agency Ltd T|A Markat
38 Lowe Street, Addington, Christchurch 8011
Managing Director: Gary CollinsGM of Operations: Kylie Palermo
Sales: Angela Elley
(03) 961 5184 | sales@markat.co.nz
Editor: Jonathon Taylor
(03) 961 5098 | editor@markat.co.nz
Art Director: Jarred Shakespeare
(03) 961 5088 | jarred@markat.co.nz
Production: Amber Mundy
(03) 961 5075 | amber@markat.co.nz
Accounts: Jo Pritchard
(03) 961 5161 | accounts@markat.co.nz
Making the most of every day Keeping time on your side 6 10 Why you shouldn’t worry about worrying 12 The power of gratitude 16 How to make better decisions 14 Recognising online scams Mind Games 20 22 Getting more out of your money 19 Sustainable bathroom products 26 Mind Games 22
Welcome to Plusliving – the magazine dedicated to living well and ageing gracefully in modern society. Aimed at the 50+ age group, you’ll find articles covering all aspects of contemporary life, including physical health and wellbeing, mental health and acuity, home life, working life and finances, technology, travel, self-improvement and more. Our aim is to provide information anyone can use, on any given day, so you can get more out of life.
Please contact us to discuss getting your business in print
Providing world-class healthcare is our priority Te Whanganui-a-Tara.
- Wakefield Hospital
- Bowen Hospital
- Bowen Icon
Cancer Centre
- Proactive
Physiotherapy
- Proactive Workplace Health
We pride ourselves on the exceptional outcomes we deliver to everyone in our care. evolutioncare.com
try some age-old resting techniques. Some people love daytime naps (which may be restricted to weekends, depending on how progressive your workplace is), and others practice guided meditation on a daily basis.
It’s easy to assume that doing as much as possible and filling every hour of the day is the best way to be productive. In fact, sometimes the opposite is true.
Robert Half New Zealand general manager Megan Alexander says “It’s not always about pushing ourselves to do more and more. Rather, global perceptions of productivity are changing to favour more flexible and people-centred work styles.
By encouraging rest periods and more flexible work options, people actually focused their attention more effectively. “They could produce just as much, often to a higher quality, and were more loyal to the organisations that gave them the flexibility to care about life outside of work.”
Finding yourself in a productivity rut? Megan shares eight productivity tips that everyone can adopt which involve doing surprisingly little.
When considering how to be productive, think about how you can boost your energy levels. Rest plays a key part in this.
To give your brain a chance to recharge and avoid burnout and fatigue,
Switching off from the online world sounds impossible these days, but it’s worth considering – at least in short bursts. We consume more information now than ever before simply because it’s right at our fingertips. However, this can mess with our brains.
Set some time aside at night to deliberately wind down and switch off, perhaps starting with a technology-free hour before bed. This has been proven to increase the quality of sleep and reduce insomnia, which in turn will do wonders for your productivity during the workday.
That familiar pinging sound goes off and you feel the tension rise. You can no longer concentrate on the task at hand, instead you feel the pressure to reply to every email that’s beeped at you – and quickly. It’s time to manage your email program (and its incessant notifications), but if you think lessening your email time sounds unrealistic or unproductive, then think again.
In today’s fast-paced world, everyone appears to be action-orientated and being “busy” is worn like a badge of honour.
When thinking about time management tips and improving productivity, research has shown that establishing boundaries between emails, concentrating on other work and work-free time is a lesson in how to be productive.
Then you can set designated time to respond to emails when you’re in the right frame of mind, making better use of your time and creating more considered replies.
At times it may feel like you are under pressure to make an immediate decision, like giving feedback on a piece of work or responding to a colleague about an internal situation.
Taking a bit of extra time to think about the solution and next steps can prevent a lot of back and forth in the long run. Assess the urgency of a situation and then decide appropriately.
Technology is great when it works, yet there’s nothing more frustrating than a computer that’s frozen up or a software system that refuses to behave itself. Let alone someone suggesting that you “try turning it off and on again”.
Instead of getting wound up, try taking a few minutes to think calmly through a solution and take some deep breaths. It can save time and energy in the long run.
It’s easy to act defensively when you receive an inquisitive email or when a colleague seems to be coming across offensively. Instead of reacting immediately, it’s wiser to step back and cool off. You’ll come back to it with a clearer and calmer head, which will only have a positive effect on your productivity levels.
While technology can be a huge distraction during the day, it can help boost your productivity. It’s worth trying some productivity-boosting apps.
A couple of the most popular include Wunderlist (a new take on the old-fashioned to-do list) and Pomodoro (a timer to help you focus on one task at a time). And in keeping with the meditation suggestion, Headspace is a great resource to use to help make this a daily practice.
Getting angry, frustrated or overwhelmed by work or colleagues? It’s time to run or walk it out. Even half an hour of exercise a day, which can be done before or after work or during your lunch break, is great for your mind and motivation.
Getting outside is the best option if you can: fresh air boosts your mood and energy levels, which can be a great productivity boost during your workday.
“Doing nothing might sound like the fast track to wasting time, but it could be the answer to getting through that ever-growing to-do list. It’s worth a shot. After all, it won’t take much effort,” Megan says.
Riverside Dental takes pride in performing dentistry to the highest standards as they put a strong focus on safety and quality. The team tailors every patient’s treatment recommendations to best suit their specific needs and budget.
They are committed to updating the skills and knowledge of their team through regular training and education seminars, providing you with the best possible care. The team are passionate about what they do and make sure patients leave with a big smile, as they know they’re in good hands.
With the help of the latest technology like intra-oral cameras, and digital imaging systems, scanners to name a few ,the practice have the ability to capture clear and detailed images of most problematic areas. This is a major step in helping identify and prevent issues that may not be visible through a basic examination.
Dr Seena graduated in 2004. She takes pride in providing Dentistry at the highest standard in a comfortable and caring environment. Although Dr Seena enjoys every aspect of dentistry, she has a special interest in cosmetic dentistry.
She takes great care in providing preventative treatments and techniques to help reduce the incidence of decay and gum disease. Through this, she aims to provide knowledge of what you can do to help retain a beautiful smile.
The friendly and experienced team will go out of their way to communicate well, provide affordable services and give the best advice to ensure patients are well taken care of.
Services include but aren’t limited to:
• Dental exam and X-rays
• Restorations – white fillings
• Dental implants
• Emergency treatments
• Preventative dentistry
• General extractions
• Root canal treatments
• Invisalign
• Crowns and bridges
• Hygienist treatments
• Teeth whitening
• Dentures
Keeping a constant vigil on your email and voicemail can distract you from more demanding tasks and can end up occupying lots of time. Schedule times throughout the day when you focus exclusively on messages. You’ll cut down on ongoing anxiety while making your responses less hasty and more useful.
Both work and home life are easily derailed by time-eaters such as meetings, ad hoc requests and the distractions enabled by technology – including email and mobile phones.
Having difficulty meeting goals is a common problem both professionally and personally.
The situation can be greatly improved however, by making some simple adjustments.
The real secret to time management – and accomplishing objectives – is better self-management. Here are six tips that can help you take control of your day.
Where does your time really go? For the next week, make a point to write down what you do and when during either the work day, or when you have a lot of errands to run.
Examining how you spend a typical day will help you to identify when you are most productive and in what ways (or by whom) you are most often interrupted or distracted.
After you’ve determined what can be changed in your current schedule, develop an action plan.
Think about setting aside “time windows” for specific tasks, such as reviewing emails, making and returning phone calls, or doing those daily things the just need to be done.
Also, create a regular schedule that takes advantage of your body clock – if you are sharpest before lunchtime, schedule more difficult tasks for completion in the morning hours.
You can’t solve a technical challenge while talking on the phone, filing paperwork or planning for an upcoming event.
When you’re occupied with something important, give the issue at hand your undivided attention so you do it right the first time. Fight the urge to multitask, which often impedes your ability to get already started tasks finished.
This is a good one for work, be it at an office or working from home. If unnecessary interruptions tend to prevent you from completing important tasks, don’t be afraid to close the door, or advise your colleagues that you are off limits for the next few hours, so you can focus on your work.
Keeping to a schedule, no matter how personalised or flexible, is challenging because it takes discipline.
Give yourself credit for adhering to your agenda and accomplishing all “must-do-today” items.
Be realistic too – some days you will be more productive than others, so don’t worry if you get off track temporarily.
Ensure you also create a balanced schedule that makes the most effective use of your time while allowing you to do things for yourself.
Most people have experienced “time regret” – that feeling of frustration over yet another day passing by without having made a significant dent in the ‘to do’ list.1. 2. 3. 4. 5. 6.
If you’ve ever been curious about village life, now’s the time to get in touch to see the lifestyle that our wonderful village, Summerset Falls in Warkworth has to offer.
Situated in a beautiful environment alongside the tranquil Mahurangi River, Summerset Falls in Warkworth is a vibrant village that offers the ultimate peaceful and rural lifestyle. We have a stunning range of homes available now including villas, townhouses and serviced apartments.
Plus, with six months to sell your home, help with your legal fees, a complimentary moving package and no weekly fees for six months – it’s never been easier to make the move.*
Visit us today and take a look around, or get in touch with our Sales Manager, Leanne Gabriel to find out more.
But it seems scientists disagree. Why? Because it pays to worry a little bit - literally.
A study published in the Journal of Behavioural Decision Making in 2012 monitored 213 people’s behaviour in relation to a simulated gambling game.
The study found participants in a sad or worrisome mood were more likely to make logical bets they knew had a higher likelihood of winning, even after a series of losses.
Whereas positive, happy bettors were quicker and more likely to play what they knew was a riskier move. Their jovial outlook influenced them to make unpredictable decisions on gut feelings, despite the opportunity to play a logical bet.
The study shows you are more likely to make winning decisions while you are in an anxious, worried state of mind.
But these findings don’t just apply to gambling.
The positive effect of this negative feeling can impact all aspects of your life and in moderation, worry can work wonders.
Sometimes a negative attitude is actually beneficial trait to have because it allows you to look at a situation in a more realistic light.
Feeling worried means you are more likely to make a logical decision with a higher outcome of success, compared with your cheerful counterpart in the same situation.
Worry can be the side effect of a strong desire to achieve perfection. And in the pursuit of perfection worry can prompt you to double check and even triple check your work.
Without worry there is a risk you can become complacent, a little too relaxed and more likely to make a mistake.
Under a moderate amount of worry you are capable of learning and remembering new information more effectively.
This is because the primary stress hormone, cortisol, improves learning and memory at moderate concentrations compared to low or high concentrations.
Pros
• More attentive to detail
• More motivated to work
• More polite and attentive to others
• Vigilant for risks and threats.
Cons
• Overcautious
• Less creative
• At risk of becoming too stressed
• More closed minded.
Pros
• More creative
• Form better relationships
• Healthier
• Willing to explore.
Cons
• Prone to overlooking threats and dangers
• Open to unwise risks
• More gullible
• Lacking appropriate embarrassment or guilt.
Our Stadium and Rooftop Tours give you the opportunity to explore the venue, delve into its legendary past and immerse yourself in its vibrant present. Or you could book one of our Staydium Glamping domes which overlook the world-famous playing field for a luxury night away and a tour of the Park.
Our Stadium tours take you behind the scenes and onto the hallowed No. 1 turf where sporting heroes have triumphed. Feel the tension of the players’ tunnel, the sense of excitement of the changing rooms, and take the hot seat in the coaching box. Our expert tour guides, who are well-versed in the stadium’s history, will share captivating stories and behind-the-scenes anecdotes, and reveal fascinating insights into the legacy of Eden Park.
Or, if you want a different view of the Park and Tāmaki Makaurau Auckland, our Sky Sport Rooftop tour is an experience you don’t want to miss.
As you wander around Eden Park, you’ll walk in the footsteps of sporting idols, tracing their legendary journeys. Marvel at the meticulously maintained No 1 turf, soak in the electrifying atmosphere of the stands, and envision the roaring crowds that fill the venue. It’s a truly immersive experience that will reignite your passion for live sports and entertainment.
Our stadium tour at Eden Park ensures that everyone can fully participate. Whether you require wheelchair accessibility or personalised assistance, our team will be there to cater to your needs, ensuring a seamless and enjoyable experience for everyone.
You can book your Eden Park experience online at www.edenpark.co.nz/experience
One factor we often forget is the 'opportunity cost'. When we do one thing, we can't be doing something else at the same time. It’s either or. When you watch TV, the benefits are relaxation and enjoyment – but the cost is that you can't use that same time to read a business book. Therefore, force yourself to list the pros and cons.
When we think someone will check up on us, we make more mental effort, leading to better decision-making. Imagine you have to justify your decision to someone else. Would you still make that decision?
Our brains are influenced by our current emotions, which can impair rationality. Big decisions are better made after a good night's sleep. Step back and consider the likely chain of events. What are the future implications of this decision?
It's easy to be persuaded by vivid stories and ignore scientific evidence. Look carefully at the information source and sample size – are you being manipulated?
Peter Drucker said effective executives do not make many decisions, they concentrate on making a few important ones. Make the big strategic decisions, rather than try to solve lots of little problems. Do not make fast decisions. Make the right decisions that have the biggest impact.
Just reminding ourselves to think rationally helps us make better decisions. Consciously trying to think rationally will also help activate all the other techniques described here.
Milford Eye Clinic Ltd was founded in 1978 and now offers the services of six Ophthalmologists from clinics in Milford, Orewa and Warkworth.
We are a boutique practice providing comprehensive eye care and pride ourselves on ensuring that our patients’ interests are always held paramount in the advice we offer.
Cataract Surgery
Glaucoma
Oculoplastic and Reconstructive Surgery
Vitreoretinal Problems
Children’s Eye Problems
Corneal Disorders
Pterygium Surgery
Macular Degeneration Treatment
Retinal Vein Occlusions
Diabetic Eye Disease
Strabismus Problems
For example, who have you appointed as your trustee and executor? Are they still alive or capable of administering your estate? Have any of your beneficiaries in your will predeceased you? It is a good idea to spend a little bit of time reviewing what your current will says particularly if you have not looked at it for several years and in some cases even decades. Do you need to update instructions about burial and/or cremation? Have you thought about family and friends who have provided you with assistance and in your estate, you would want to give them a reward and/or a gift? A will provides clear instructions for your executor and can be of great benefit to them when tasked with dealing with your estate. A very clear and concise will can also significantly reduce the cost of administration.
An enduring power of attorney is a document which allows you to be looked after should for any reason you lose capacity. The decision about whether you have lost capacity is one that is made by a medical practitioner and not by your attorney.
The most important thing to remember is that without such a document in place in relation to your property and personal care and welfare your family could be faced with considerable cost in having
to go to the Family Court to have managers appointed in respect of both roles. Those appointments remain in effect for three years and must be renewed. The applications must be filed and considered by a family court judge and with the reappointment of a lawyer to act for you. The property manager must annually prepare a report which is audited by Public Trust at some cost. All of which could have been avoided if you had come to speak to us about your Enduring Power of Attorney.
Everyone has their own memories of getting through that first Level four Lockdown and for so many it marked a period of terrible change, even an end of an era.
While we never want to belittle the myriad of challenges people around the globe have faced since, we are forever aware of the large body of scientific research demonstrating the psychological benefits of gratitude.
Tuning into what’s still good in our world (cognitive reappraisal) is a foundational skill for resilience.
Multiple studies have demonstrated the psychological benefits of noticing positive events, gratitude, mindful awareness, positive reappraisal, the use of personal strengths and acts of kindness during times of significant stress, and suggested the importance of these strategies for supporting people through the ongoing challenges of the pandemic (Waters et al, 2021).
Gratitude is just one positive emotion that serves to buffer and bolster mental health in times of adversity and stress, aiding recovery from loss and trauma via widening perceptual field and allowing people to see the big picture (Vernon et al., 2009).
Kim Tay, director of online training from the New Zealand Institute of Wellbeing and Resilience says, “There’s no doubt the past year has been tough, and we don’t want to diminish that, but wherever you are on the spectrum of how the pandemic has impacted you, taking a moment to notice what’s still good in your world, and particularly who you are grateful for, is such a powerful way of broadening our perspective and enabling us to cope in the face of uncertainty, challenge and change.
“The benefits of a grateful mindset and grateful orientation toward life would appear to be especially valuable in the midst of uncontrollable stress, such as that engendered by the coronavirus crisis,” reports Professor Lea Waters and colleagues from around the world in their paper on psychological strategies for ‘buffering, bolstering and building’ psychological health.
And so, we encourage you, your colleagues, your teams, families, whānau and communities to make an intentional effort to tune into the good at this time.
To pause and reflect, for a moment, on the magnificent job done by all the people involved with delivering essential services, on the extraordinary ways families coped with homeschooling, and the businesses and organisations of all shapes and sizes doing their utmost to keep going.
Consider all those behind-the-scenes legends who keep New Zealand moving through adversity, never seeking the limelight or praise, and the massive contribution they make every day of the year.
We encourage you to take a moment to ponder, who is essential to you and your way of life?
It could be anyone involved in keeping your whānau safe and healthy, the food flowing, the power on, the rubbish collected. Or simply someone you can’t imagine facing the tough times without.
• Who are you grateful for?
• Who wouldn’t you want to live without?
• Who stood up for you last year – at work or home?
• Who are you most proud of?
• Have you ever thought of thanking the people behind the essential services in some way?
Three years ago, the whole of Aotearoa (and indeed the wider world) stepped up for the first big Covid lockdown.
Together our nation united to face the largest health challenge facing the country since the First World War.
She believes her job is truly rewarding as she can make a real difference in people’s lives. Today she shares her story and some memorable moments as a caregiver.
“For me, I always knew that I wanted to help others. I’d been cleaning houses and caring for children for around 11 years when I decided I needed more of a challenge. I always had a passion to work with those suffering from health-related issues in more of a caring role.”
Stephanie says her job has been inspiring knowing that every day she can make a positive impact on the life of her clients and their families. “You discover there are always people struggling with larger problems than yourself. I’ve learnt to focus on what’s important in life and developed a real appreciation for good health and preventative action.”
Stephanie started at Care On Call as a caregiver in 2016. Her clients came from all walks of life with a range of health-related conditions, but were always happy to see her.
For Stephanie, joining Care On Call was one of the best decisions she’s made, and working for them only makes her want to keep going. “They actively encourage you to study, offering free courses to give you a broader range of skills to suit higher needs clients as you progress.”
In 2017 Stephanie transferred into the office as a care coordinator. “I work with a great team and we have some amazing caregivers. I’m still able to keep in touch with my clients, and I have a strong understanding of what the caregivers go through.”
Stephanie says the role is certainly busy and has its challenges, but that only makes it more fulfilling and worthwhile.
Your will should not be a document which you write once and never look at again. As life changes, your will may need to reflect this.
Wills should be reviewed every three to four years, so that you ensure you have included, or in some instances excluded, benefactors.
For instance, if a spouse dies or more grandchildren have been born, these are times to take another look at your will to make sure it is a true reflection of the legacy you want to leave.
Remember that your last will and testament is the legal document that has your final wishes. Your will is the instructions that will be left for your executor to carry out and really needs to accurately reflect what you have and who you want to leave it to.
There have been instances where an ex-spouse has forgotten to remove their former husband or wife from the will. This has resulted in shock and anger from children at an already stressful time and lengthy and costly court battles to rectify the situation.
If you have inherited money or assets, gone into or sold a business or your financial situation has drastically changed, these are times when you should review your will.
You may have inherited heirlooms from a family member since writing your original will and you may want to make sure those precious family keepsakes are passed on to a member of your family.
It can also include such things as funeral arrangements including burial wishes, so it is important to get them in your will so there is no confusion.
The Public Trust website also advises that if your medical situation changes then it is a good time to consider a living will.
“A living will, also called an “advance directive”, states what medical care you should be given if you become physically or mentally unable to decide. You might want to make a living will saying you should or shouldn’t be resuscitated or that you want life support turned off in certain circumstances. “Medical professionals can’t ignore an advance directive unless there are reasonable grounds to doubt its validity.”
It is relatively easy to update your will. Your lawyer or a Public Trust representative can assist you with this process.
• Change of marital status
• When your financial situation changes
• Your partner or spouse dies
• Your health changes
• Already-named benefactors have passed away
• The birth or adoption of a family member
• The acquisition or sale of a significant asset
• Children reach 18 years
• If you have come into an inheritance.
When it comes to managing your money, it is hard to find the right balance and there is absolutely no right or wrong answer. The best fit for you depends primarily on what your priorities are.
Most people earn between $1 million and $2 million in their lifetime, but manage to save very little of what they earn. The problem is not our income, it’s what we spend.
So how can we make the most of what we earn?
• Take control of your money and control your life
• Spend less than you earn
• Set aside a percentage of every dollar of your income and live off the rest
• Let time and compound interest work for you
• Invest in yourself — especially your skills and qualifications.
In practice, this means paying off debt and focusing on saving.
According to the IFA, this includes joining a subsidised superannuation scheme such as KiwiSaver, paying off high-cost short term debt, creating
an emergency cash fund, paying off your home mortgage as soon as possible and establishing a long-term savings plan.
That may sound difficult right now, but the best way to start managing your money is to draw up a budget. Your budget will consist of your income, your expenses including fixed and variable costs, and discretionary spending.
Remember that in the long run even the fixed costs like your house and car are choices that you make and if they cost too much, you can change that. How much you spend on the discretionary items is also your choice, which means that how much you have left over for saving is entirely your decision.
• Watch your cash expenses — cash from ATMs can add up very quickly
• Beware of luxuries dressed as necessities
• How much you buy is a choice
• Aim to spend no more than 90 percent of your income – this allows you to pay for some of the big-ticket items
• Beware of spending creep as your income rises
• Give yourself a credit card haircut
• Never spend more than $100 on anything without taking 48 hours to think about it.
Let us help! Our computer support services are specifically designed for people who may feel overwhelmed by technology. Our patient and knowledgeable technicians can assist you with everything from setting up email to troubleshooting issues. We’ll work with you at your own pace, ensuring you feel confident using your computer, phone tablets and printers. Don’t let technology hold you back, contact us today and discover how easy it can be to stay connected!
There were 16,355 scam reports with 2,343 scams involving financial losses. The best way to protect yourself is to be aware that scams exist and understand the common tactics used to open up your wallet and spill your information.
What are some of the most common types of scams on the internet? You may have encountered some without even realising it.
Phishing, or the fraudulent practice of posing as a reputable company to obtain personal information like passwords and credit card numbers, can happen to anyone. It can be someone posing as your bank, your Netflix account, or even an alternative email of yours.
Example: You open your emails to see your bank requesting you log in to check on suspicious activity on your account. The log in page looks exactly like it does on your online banking app!
However, when you click on the email sender, the email looks a little bit strange. When you look at the domain name (the part of the email address after the @ symbol), it misspelled the name of the bank. If this is the case, contact your bank independently from details on the back of your card or from an independent search you can trust.
Through dating websites, apps, and even social media, dating scammers reach out pretending to be prospective partners. They take advantage of people using emotions to lure you in to giving them money, gifts or personal details.
A lot of romance scammers catfish people, or use fake pictures and details, and make up online profiles to lull people into a false sense of security.
The scammer will go to great lengths to gain their victim’s trust and to keep them romantically interested, from professing their love and even
sending gifts. A lot of times they can take months to establish this trust and may even pretend to book flights to come visit but don’t actually come because of some excuse or another.
Example: One of the most common romance scams is pretending to have a personal emergency that requires a lot of money, like an ill family member or that the scammer is stranded somewhere without credit cards. They’ll then ask for money (or manipulate the victim into offering it).
A lot of online sellers are legitimate, but some scammers set up fake websites to rip off shoppers trying to find the best bargains.
These websites can use modern layouts and designs, even having a “.co. nz” domain name to make it seem like an actual New Zealand business.
Other times, the business even advertises on your Facebook or Instagram page, giving it an extra air of legitimacy.
Often, the fake website’s biggest draw are highly discounted prices. The victim can either receive a knock off item or no item will ever come through the mail.
One of the biggest giveaways of a shopping scam website is they ask the customer to pay via money order or wire transfer. Legitimate companies will offer a secure payment option like credit/debit card, PayPal, and POLi payments.
Originally called the North Shore Emergency Medical Service, Shorecare was established by 32 of the local general practitioners. Initially only providing after-hours care on the weekend out of rooms in Anzac Street, Takapuna, Shorecare has grown in size and reputation, becoming a trusted urgent care provider with two purpose-built facilities in two convenient locations.
Shorecare Smales Farm is open 24 hours a day, while Shorecare Northcross is open between 8 am and 8 pm, 365 days a year. Both clinics offer onsite X-ray and ultrasound facilities and have a pharmacy conveniently located next door. The highly experienced team at Shorecare understands that accidents and illnesses can occur at any time and are committed to providing timely and high-quality medical care. In particular, Shorecare specialises in treating sudden illnesses that are not life-threatening but can not wait until the next day, such as changes in your breathing or abdominal pain, as well as injuries such as sprains, fractures, and wounds.
The board of directors and management team at Shorecare would like to say a huge thank you to the community for their continued support over the past five decades. Looking to the future, Shorecare remains committed to its mission of providing high-quality urgent care to the North Shore and Rodney community and is poised to continue its legacy for generations to come. The next time you are injured or unwell and cannot visit your general practitioner, come and see the expert team at Shorecare. With a comprehensive range of services and a highly skilled team, you can be confident that you will receive the care you need.
0800 shorecare
www.shorecare.co.nz
Find the words in the grid and cross out from the list below.
Words go horzintaly and vertically (not diagonally) they may intersect .
Dont ‘s : no bending, overlapping or going backwards
Note: Ignore spaces, dashes and diacritics, if any. There will be no unused letters left on the grid at upon completion
• 1 wholegrain or natural wrap
• 50g shredded chicken
• ¼ carrot, grated
• ½ courgette, grated
Satay sauce
3/4 TBSP peanut butter
1/2 tsp chilli sauce
• ¼ capsicum diced
• ¼ red onion, diced
• 1 handful baby spinach
1. Mix together the chicken, carrot, courgette, capsicum, red onion and baby spinach, plus any other desired vegetables.
2. In a pot, gently heat the satay sauce ingredients until combined, adding water as needed.
3. Allow the sauce to cool and then mix into the chicken and vegetables.
4. Place down the middle of the wrap. Fold the bottom of the wrap then the sides and eat fresh or for lunch the next day.
One serving contains: Calories: 228, Protein: 24g, Fat: 9g, Carbohydrates: 13g, Fibre: 2g, Sugar: 6g
1/2 tsp honey, 1/2 tsp reduced salt soy sauce, 1/2 tsp sesame oil
Allergies: Gluten, Sesame, Peanut, Nuts.
Not only does reading improve vocabulary range, but it can also develop analytical and critical thinking as the constant stimulation trains the brain to problem-solve. Moreover, participants in the study commented that they felt more relaxed after a few weeks.
In second place, knitting improved participants’ IQ by 9.68 percent. Exercising and reading rank third and fourth respectively. However, volunteers in the category ‘joining an online gaming group’ commenced with the highest average IQ (104 to 109).
IQ tests are a tool to measure a range of cognitive reasoning skills such as problem-solving and logic. According to VeryWellMind, an average IQ test score is around 100, with different countries around the world varying between 59 and 108.
In first place is learning a new instrument with an IQ score increase of 9.71% with volunteers’ IQ before the study averaging 103 and averaging 113 after the study.
DIYS.com reveals that the most popular instrument to pick up was the guitar with 31 percent of participants favouring it.
Knitting takes second place with an increase of 9.68 percent with average IQ scores of 93 before and 102 after the six-month period. Not only is knitting a stress-reducing activity but it also engages cognitive stimulation.
Exercising ranks third with an IQ amelioration of 7.37 percent (95-102). Playing sports and exercising is a popular activity to increase happiness via the release of chemicals known as endorphins, in addition to dopamine, norepinephrine, and serotonin.
According to Harvard Medical School, people who exercise have a larger brain volume in the memory and control-thinking areas.
Following in fourth place is reading as volunteers responded to a 7.07 percent IQ score increase. Participants were asked to read a new book every week and subsequently showed an average IQ increase score from 99 to 106.
Meditating takes fifth place with an IQ improvement of 6.38 percent (94100). Pilates (23 percent), yoga (21 percent) and mindful breathing (17 percent) were the most popular practices.
With constant distractions, meditation exercises our attention spans with evidence suggesting that long-term meditators are shown to have faster reaction times.
The following activities are ranked according to their average IQ increase after volunteers completed the activity:
Learning a new instrument - 9.71 percent
Knitting - 9.68 percent
Exercising - 7.37 percent
Reading - 7.07 percent
Practising meditation - 6.38 percent
Learning a new language - 5.88 percent
Gardening - 5.10 percent
Joining an online video game group - 4.81 percent
Making and editing videos - 4.26 percent
Trying new recipes every week - 4.17 percent
Starting to write/blog - 4.12 percent
Colouring in an art book - 3.96 percent
Daily journaling - 3.26 percent
Playing a new board game - 2.00 percent
Sewing - 1.03 percent.
Of the hobbies studied, learning a new instrument proves to be the hobby which increases IQ the most.
and a great source of protein, fibre and vegetables.
There are many ways to fill these vertical spaces, but before you pick out your photos and wall décor, how are you going to surface the walls?
The first instinct for many of us in New Zealand is to reach for the white paint. Using the same white paint throughout a rental property is expected, but it’s a bit drab when a house is absentmindedly doused in it.
It says: ‘yeah, this place is just one rung on my way up the property ladder’. Even if it’s true, that doesn’t really translate to ‘home sweet home’ does it?
Plus, it’s a shame to leave so much potential untapped. Sometimes we go for the safe choice because we don’t want to have to think about all of the possibilities.
Brainstorming, however, is half the fun. With new technologies available to us the options are practically endless. Of course, it doesn't stop with paint, there’s wallpaper too.
A bucket of paint is a portal to colours galore. Paint can be altered to match or complement the statement piece in your room, whether it’s a bold, hot pink couch or the intricate pattern of a family heirloom, faded with time.
Paint doesn’t have to be applied in any one way either. Different techniques, patterns and finishes can add visual interest as well.
On the flip side, it’s important to remember that painting is a process. There’s the prep work, primer and dry times to consider before applying your new paint colour.
Overenthusiastic and eager to get their colour choices on the wall, DIYers often have their bubbles burst when their paint job doesn’t turn out the way they’d hoped after skipping necessary preparations.
Gone are the days of pasting wallpaper onto the wall. Nowadays DIYers have the choice between pasting wallpaper or adhesive wallpapers. Also, homeowners can further personalise their wallpaper choice with high resolution photos which can be blown up to fit the wall space.
Patterns and textures are easily integrated into a space with wallpaper available in a variety of colours and materials like paper, vinyl, fabric and more.
Nevertheless, whether pasting or adhering wallpaper, wrinkles and misalignment show up easily. Also, hanging photos and wall décor is a bigger decision since holes aren’t patched in the same way as paint. Also, wallpaper, like paint, requires proper preparation before application.
It’s not so much about which one is superior, but which is right for the space you’re creating. Both have their pros and cons, but who said you had to choose one or the other?
With the use of paint and wallpaper samples, you can really make a statement by using a bold wallpaper for a feature wall and then paint the other walls with a colour found in the wallpaper to create a cohesive look.
For many homeowners, the different walls that make up their homes are blank canvases used to create a sense of familiarity.Linen Wildflower wallpaper by Carol Robinson at Wallsauce. Photo by Wallsauce.com.
Alan is a certified carpet layer and salesperson, Melissa has worked in commercial and residential flooring for the last 18 years.
There is not much they don’t know about the range of carpets, vinyls and wood flooring they sell and over the years have seen changes in the kind of materials we like to put on the floor.
One thing you will notice in store is the days of green, pastels, bold patterns and bright colours are over, the carpets these days are all shades of Grey, brown and beige. The Flooring People have one of the largest showrooms in the district and supply flooring from Belgotex, Godfrey Hirst, Feltex, Victoria Carpets, Polyflor, Floorscape, Robert Malcolm, Jacobson’s, Signature Floors, and Dunlop.
Melissa and Alan hope that locals will tap into their considerable experience. They have a big focus on establishing The Flooring People as your local flooring store.
“Being locals, we feel strongly about keeping jobs on the coast,” Melissa and Alan say. They spend the extra time with each customer to make sure they are choosing the correct flooring for their home.
They support local clubs, Red Beach Surf Club, Orewa Surf Club, Manly Tennis club, North Harbour Hockey and Hibiscus Coast Boating Club, and service areas from the Harbour Bridge to Ruakaka.
The effort to reduce plastic waste has brought a wave of people “ditching the bottle”. Instead of buying shampoo and conditioner in plastic bottles, you can switch to a bar which is essentially like a bar of soap but for your hair. Ethique offer some excellent hair care products and ship them to you in sustainable packaging. www.ethiqueworld.com
Bamboo handled toothbrushes are a great alternative and are around the same price as many plastic ones. Grin offer a great bamboo toothbrush with charcoal infused bristles. The handle is 100 percent biodegradable, so you can throw it in the organics bin and they also offer a recycling service for the bristles. www.grin.co.nz
Disposable razors are another big contributor to plastic waste. Eco friendly, reusable razors are becoming more common place and with many companies offering free postage to return used blades and purchase new ones, it’s an excellent way to reduce your overall plastic waste. The metal handle can last a lifetime and the blades are extremely cheap.
www.caliwoods.co.nz
DESIGN • DELIVER • INSTALL
We offer a wide variety of professional cabinetry design and supply services. Kitchens, wardrobes, laundry’s, bench tops, splash-backs, shop fittings, custom made cabinets & installation
FREE 3D DESIGN & QUOTE
VISIT OUR MANGAWHAI SHOWROOM: 8A/7 WOOD STREET, MANGAWHAI HEADS
p: 022 490 6407 e: info@intechsalesnz.com w: intechkitchens.com
delivering
scaffolding requirements.
COMMERCIAL RESIDENTIAL INDUSTRIAL EQUIPMENT HIRE/SALES PROPPING & SHORE LOADING
Auckland: www.summitscaffolding.co.nz Waikato: www.summitscaffoldingwaikato.co.nz
and gardening can be daunting and stressful. It does not have to be this way. Efficient, professional, and fun, TLR Landscaping offer a service as full of life as your future garden.
The team at TLR Landscaping have been transforming Auckland properties with expert landscaping and garden maintenance services for over 26 years. Big or small, residential or commercial, TLR Landscaping have the expertise to perfect your outdoor project.
From fences to fish ponds, TLR Landscaping are there to help. Hard landscaping services such as excavation, fencing, decking, and building retaining walls and outdoor steps are no problem for TLR Landscaping. They also provide soft landscaping services like contouring, lawn mowing, and general garden maintenance. Bring life and colour to any outdoor space thanks to the trustworthy TLR team.
For a garden makeover, look no further than TLR Landscaping. They have both ready lawn and seed grass options available, and supply plants and shrubs to perfectly compliment your outdoor space. TLR Landscaping even have a garden bag service, so you can rest easy knowing your green waste will be reliably collected and disposed of.
TLR Landscaping is your all-in-one landscaping service.
TLR Landscaping takes pride in providing tidy, quality landscaping, and their extensive portfolio of client testimonials proves it. Specialist workmanship meets a passion for gardens to bring you the best landscaping service possible.
TLR Landscaping are masters in building, tree work, irrigation, and lawn care. Whether it’s your backyard or your business that needs a little love, TLR Landscaping will get the job done right. The friendly, reliable team at TLR Landscaping would love to hear from you. Give them a ring at 027 220 6022 or head to their website – tlrlandscaping.co.nz – for more information.
With over 26 years’ experience throughout Auckland, TLR Landscaping has the expertise to transform your property with both hard and soft landscaping.
Mob: 027 220 6022
• E: andrew@tlrlandscaping.co.nz
www.tlrlandscaping.co.nz
Their philosophy is that tooth structure is precious and should be preserved whenever possible. They provide a wide range of dental treatments including family dental care, orthodontic teeth straightening, aesthetic solutions and comprehensive rebuilds.
Millwater Dental knows your smile is your statement. Subtle changes can be the difference between a nice smile and a great smile. Everything they do reflects those details, from the colour, size, shape and alignment of the teeth to the framing of the teeth by the gums, lips and face. The team use the latest dental technology and techniques to give
Millwater Dental offer several care packages. Their Comprehensive Care Experience is a one-hour appointment with the dentist, usually on your first visit, where they look at the condition of your mouth, teeth and gums.
Using a holistic approach, they thoroughly assess your oral health for oral cancer, gum disease and jaw function and then advise you of any health risks. X-rays, digital scans of your teeth and jawbones, photos, study models of your teeth and NIRI (near infra-red imaging) to scan the internal structure of the teeth may also be used to help diagnose your oral condition. This is used to create a personalised dental plan for you.
Because Millwater Dental values family, they offer free routine dental treatment for high school teenagers, year 9, up to 18 years of age while attending an education facility. This is yet another way Millwater Dental cares about their clients.
you a smile with care, compassion and utmost respect. They seek to understand your dental problems and create smiles by carefully considering your dental needs.
Here at Millwater Dental we aim to provide a relaxing environment where the whole family can enjoy their time without the anxiety that can sometimes accompany a trip to the dentist.
We use the latest in digital technology to help minimise discomfort and bring you the best possible treatment outcomes.
Please contact us to make an appointment, or ask our friendly team any questions you might have.
09 972 1518
Suite
For more information, visit www.millwaterdental.com or call 09 972 1518. You can pop in and see the team at Suite 21, 175 Millwater Parkway, Silverdale, Auckland.
The team at Millwater Dental are committed to ensuring their clients get the best care possible.
The team use the latest dental technology and techniques to give you a smile with care, compassion and utmost respect.
With over 15 years of professional trade experience and expertise, Auckland Roofing and Construction cater to all of your long run metal roofing and cladding requirements. They can also help you out with any building works required to ensure your roofing job runs seamlessly and is completed to New Zealand standards.
Auckland Roofing & Construction is committed to providing the best materials and expertise for your job. They are also committed to delivering a topquality service that will enable their customers to fully leverage the benefits of engaging the team to install their roof to whatever extent required, be it new, re-roof or repair.
The team have been building their experience since 2003. They’re 100% New Zealand owned and operated – installing long run metal from reputable New Zealand suppliers. They work in residential, commercial and architectural roof profiles and exterior cladding.
For more information, give the team a call on 021 441 451 or email them on sam@aklroofing.co.nz. You can also visit their website for more details at www.aklroofing.co.nz.
office – Kiwilaw’s online services make the paperwork less expensive and easily accessible.
Cheryl started developing this online legal solution as it was the natural next step. She had a lifetime of interest in computers, the law, and communication, and wanted to help ordinary people with paperwork. It came after years of challenges in the legal system and the desire to do better. It came from a belief that legal fees shouldn’t be exorbitant and should be transparent.
Kiwilaw takes the hassle out of accessing essential legal services after a loved one dies. Families don’t need to visit a lawyer’s
Instead of paying perhaps $2000 or more, most families can get the High Court approval they need for less than $1000 (including the $200 High Court fee), or even less with a valid will. Then they can use Kiwilaw’s online resources to choose whether to pay professionals for the rest of the estate work, or do it themselves.
For accurate help at a confusing and difficult time, visit www. kiwilaw.co.nz. Online enquiries are preferred and you can reach Cheryl at probate@kiwilaw.co.nz.
there to help you at a difficult time
• Probate documents to you directly (usually $490) or to your lawyer (usually $390)
• Get a free copy of the 40-page Kiwilaw Guide to Estate Administration with your SuperGold card when you get probate through kiwilaw (usually $49)
Since 1970, Auckland Cranes has built a reputation for safe and efficient complete lift and shift solutions. We provide mobile crane hire services to a wide range of industries and businesses from our two locations – Auckland and Hamilton. You can trust our team is committed to delivering any lift, anywhere, any time for our clients – no matter how complex or challenging.
is an online legal solution aimed at providing services that are accurate, excellent, and affordable.
Your gateway to the West Coast
It is important to find a real estate professional who can deliver a standout marketing campaign, advise you on key steps for getting your property ready to list, and who will tell you what you need to know throughout the selling process.
Using a real estate salesperson can result in a more effective sale than selling privately. They will handle the details of the marketing and sales process, the cut and thrust of the negotiation or auction, and you can rest assured that you’re protected throughout the process by their expertise and requirements under the Real Estate Agents Act.
To find the right person for you, ask around; talk to family, friends and neighbours and see if they have any recommendations on real estate salespeople they have previously used and whom they had a good experience with.
It’s also fundamental to understand where the market is today before you head into the selling process. Doing some of your own research is vital, however, you can rely on your salesperson to bring expertise.
Salespeople have the time, access to the latest data and market information, and advise on exactly what is happening in your market for your type of property. Having honest conversations with your real estate salesperson will enable you to understand the current market and the best approach for selling your home.
A real estate professional will help to manage your price expectations with the latest statistics, their knowledge of the current market, the local area, what properties are attracting the most attention and why, the current levels of attendance at open homes, and more.
They should also explain what they will do behind the scenes to ensure the best possible outcome for you.
They can advise you on the best way to present your property for sale including aspects such as required maintenance, tidying up of gardens, de-cluttering, or home-staging.
With these factors come costs, and your real estate professional should ensure you are aware of the aspects you may need to invest in when selling
your home so there are no surprises, and so you can factor this into your budget.
Look for a salesperson who can demonstrate knowledge of your local area and community, ideally with a network of potential buyers, as this can help ensure your property is best positioned and marketed to the right people. Make sure you understand what a salesperson’s commission fee is. While fees do vary by agency, our advice is that choosing a salesperson on commission alone could lead to losing a significant amount of money by achieving a lower price for the property.
The Real Estate Institute of New Zealand (REINZ) is a champion for the world-class real estate profession delivering the best possible real estate services to New Zealanders.
Choosing a REINZ real estate professional member means you are choosing someone who is supported to excel in the profession, and are trusted, skilled professionals, supported by high-quality education, advice, and uphold the best standards of practice.
It’s been a market of supply outweighing demand for several months, but activity is expected to pick up.
Jacqui, a highly recommended and top performing real estate consultant, is fully committed to delivering an exceptional experience throughout every aspect of your property transaction. With Jacqui, experience comes at no additional cost.
Experience costs you nothing more
Engaging the services of a seasoned real estate agent when selling your home is a logical choice. Selling a property requires unwavering energy, a genuine passion for representing the home and its unique qualities, meticulous preparation with comprehensive information to guide potential buyers towards confident decisions, whilst establishing effective communication channels. Jacqui incorporates all of these elements while exercising a healthy dose of patience, resulting in a successful selling strategy.
Creating & styling a targeted marketing campaign
Jacqui excels in creating and styling targeted marketing campaigns that effectively showcase your home and generate enthusiasm in the
market. At Harcourts, we possess a diverse range of mediums that can be employed to maximize the impact of your property’s exposure.
Renowned for her expertise in negotiation, Jacqui can effortlessly distinguish between serious buyers and casual observers when prospective purchasers visit your property. This pivotal stage of the process calls upon Jacqui’s extensive experience to orchestrate negotiations, ensuring optimal outcomes. Each deal presents a unique set of circumstances to achieve the absolute best result for you.
Aligning oneself with a top-tier real estate company in the modern marketplace is a prudent choice, offering a high-profile presence, extensive market share, and far-reaching capabilities. At Harcourts Cooper & Co, we check all those boxes, and the Milford office, where Jacqui is based, stands as a high-performing hub boasting a diverse team. Our prominent standing in the industry works in your favour.
If you are contemplating a move, let's meet to either formulate a comprehensive plan or to maintain an ongoing relationship.
Established in the property industry for over 13 years, Kathryn sells throughout the North Shore, specialising in the Takapuna to Devonport peninsula. She is experienced, and well-networked.
A straight talker, she applies her in-depth knowledge of the Real Estate Act practically and clearly, enjoying an open communication style and ethical business model. Kathryn works hard for her clients and customers, driven by a sense of duty to provide a high level of service.
“I have had the pleasure of working with Kathryn on a previous transaction. I was delighted with her unquestionable integrity and trustworthiness throughout. She was insightful and agile in trying to navigate difficult issues and was totally solution focused. I was impressed with her commercial acumen and her very high service levels. She understands that value can be lost with time and the importance to close things as fast as possible. She is very driven but this drive is balanced with a unique ability to bring parties together and build a relationship through the process. A hugely talented real estate professional. I would not hesitate to recommend Kathryn.”
J Biddles+64 21 490 480 | +64 9 489 1999
kathryn.robertson@bayleys.co.nz
In New Zealand, property has proven to be a great investment opportunity with it rarely decreasing in value. Over time, some people have even amassed a portfolio of properties providing a steady income stream that is especially welcome during retirement years.
However, management of properties and dealing with repairs can prove daunting. Not dealing with maintenance issues can lead to depreciation and problems can compound. Is it time for you to consider a property manager?
In essence the role is meant to protect your property, reduce and eliminate any potential liability and secure the most income possible from your property that the market will support. Your property manager would handle all of the day-to-day management and maintenance on your behalf. They also answer tenants’ queries, oversee maintenance quotes and manage tradespeople. When you have the right company and person looking after your investment, the experience should be worry-free. Handling any uncomfortable situations such as evictions and non-payment of rent is a major benefit. They also market your property and ensure that you are receiving the most rental revenue possible. Most importantly, they vet tenants, checking their ability to meet bond and rent requirements.
Not all companies offer the same services, but a typical package should look like the following:
• All costs related to finding the ideal tenant. This includes signage, print and digital advertising, and also the letting fee.
• Online listings on the most high traffic sites in the industry such as realestate.co.nz, Barfoot.co.nz and Trademe.co.nz
• Tenant selection and vetting processes including interviews, reference and credit checks
• Regular routine inspections with a full report including photos
• Monthly and annual financial reports
• All Department of Building and Housing documentation and legislative compliance guidance
• Representation at Tribunal hearings, if required
• Regular rent reviews and consultation.
It may surprise most people to know that the property management business is unregulated in New Zealand. This means that anyone can set up shop and begin to solicit clients to care for their properties. This often happens without the expertise and knowledge necessary to properly protect a landlord’s precious investment. It can also leave tenants with inadequate service and without even basic maintenance. It is clear that without proper vetting and regular inspections, the wrong tenants can damage your investment. It is critically important that the company you choose is one with a proven track record and a commitment to best practice. Ask for references and for information about their property portfolio so you can be sure that they are already handling comparable properties. Get a list of services and ask about their reporting schedule. Good communication will give you peace of mind.
Barfoot & Thompson is the industry leader in the Auckland and Northland regions and now Tauranga for property management, with over 18,000 properties in our portfolio. We have an impeccable reputation and operate with the principles of honesty and transparency. Call us today for more information and for an obligation-free chat about all that we offer.
You can also visit Barfoot.co.nz/propertymanagement to find out more
Monique has always been passionate about real estate and people.
With experience in Interior design and owning her own business for over 15 years, as well as working with property development projects, Monique brings a fresh and unique approach to real estate.
Combining her skills and experience, Monique maintains a high level of attention to detail when showcasing property, creating seamless and beautiful bespoke marketing campaigns, as well as performing at a highly professional level delivering a unique five-star service to her clients.
Her top priorities are emphasised on high-quality client and customer satisfaction, elite result-driven property marketing, the importance of understanding the needs of clients and maintaining superior results through communication between the parties involved for a smooth, stress-free real estate transaction.
Glenise is
Forrest Hill on the North Shore in Auckland, New Zealand. The office has various experienced and knowledgeable salespeople that help clients with their needs.
Glenise Charles is a licensed salesperson proudly representing Team Winnie at Ray White Forrest Hill.
She always brings with her a positive attitude, confidence and care for others. She’s got a lot of adventurous life experiences as well. She makes a great salesperson as she maintains close relationships with her clients, helps them pay affordable prices and communicates with her clients the whole time to make the real estate process smooth sailing.
In this competitive industry, a lot of long hours and commitment go into real estate and Glenise is a salesperson who is determined to help her clients buy or sell to the best of her ability. These skills and
characteristics have been put to good use for over 28 years of working in real estate.
In her downtime, she loves to be outside, by the bush or near the sea. She has been involved in the Auckland commercial fishing industry for 30-plus years and in target shooting competitions and owning her own coffee lounge before she started her career in real estate, which defines who she is today – a hard-working person.
Glenise offers exceptional expert knowledge and advice and ensures her clients get the best possible outcome. She is passionate about real estate as she enjoys feeling like she’s accomplished her and her client’s goals. Whether it’s a successful sale or purchasing a dream home, she’s there to help her clients get what they desire.
Check the website to find out more about Glenise, read positive feedback from previous clients, see her listings, and contact details here: raywhite.co.nz/glenise-charles/11607 Do
We have a disciplined, conservative investment approach with a proven track record – in our 27 years no FMT investor has ever lost a cent of capital.*
We focus on what we know is important to our clients - consistent returns and steady income-focused funds that are accessible when they’re needed.
• Regular income – each quarter we distribute returns, or you can choose to have them reinvested
• Mortgage-backed investment - risk is one of the highest concerns for investors. Our funds are backed by first mortgages with
relatively conservative loan to valuation ratios that can help provide peace of mind investing
• Proven consistent returns - our conversative approach means we’ve been able to provide investors with consistent returns for 27 years.
• Flexibility – start with a minimum investment of $500 and after that you can make further contributions at any time that suits you
• Accessibility - your investment is not fixed term - although we do encourage you to invest for medium to long-term growth outcomes.
If you are looking for an investment offering consistent returns, or want to learn more about investing with First Mortgage Trust, contact our friendly team on 0800 321 113 or visit fmt.co.nz
* Past performance is not a reliable indicator of future performance.
Since 1996 First Mortgage Trust have been helping New Zealanders protect their nest egg and grow their wealth.
Property Council New Zealand chief executive, Leonie Freeman, says the initiative could mark a key turning point towards unlocking the potential of Build to Rent.
“Our members share the government’s view that enabling Build to Rent will provide warm, dry rental homes that offer Kiwis long-term security of tenure.
“It is encouraging to see that the government has listened to our sector and acknowledged Build to Rent as a unique property asset class.
“The government’s announcement is a major step towards boosting New Zealand’s emerging Build to Rent sector.
“Build to Rent will transform the experience of renting in New Zealand.
“Property Council research shows that our members stand poised to deliver over 25,000 Build to Rent homes in the next decade, with the right policy settings.”
Build to Rent refers to multi-unit residential developments, typically located in city centres within walking distance of key transport links.
“These developments are professionally managed, with brilliant amenities available onsite, offering residents bespoke lifestyle options for as long as they want to stay.
“By enabling Build to Rent, the property sector will be able to deliver thousands of new high-quality, high-density rental houses, supporting New Zealand’s urban intensification and climate ambitions.
“Kiwis will hopefully soon have many choices to access to a warm, dry and climate friendly Build to Rent home.
“Over the past 18 months, the Property Council has been working closely with the government to highlight the untapped potential of Build to Rent and explain the legislative actions required to enable it.
“As part of this, we have collaboratively resolved the unintended consequences of last year’s interest deductibility changes.
“While the announcement has been a fantastic step in the right direction, there are a few remaining speedbumps to truly unlock the concept.
“For Build to Rent to flourish, access to large institutional investment via the overseas investment act and commercial depreciation is also required.
“The Property Council looks forward to continuing our engagement with the government to support the roll out of the world’s fastest growing residential sector in Aotearoa.”
The Property Council, whose members are some of New Zealand’s largest property developers, owners and investors, has come out in support of the government’s Build to Rent tax exemption boost.
Rental Experts, the go-to experts in property management in Whangarei, Northland. We are here to help landlords and investors get the best from one of the most reliable investments there is: Your rental investment.
Our accredited staff bring knowledge in all aspects of property management, including maintenance, liaison with tenants, managing portfolios of property, commercial property and development, in house rental appraisals and an outstanding knowledge of the Residential Tenancy Act 1986.
Phone 09 459 7139
Email us at info@rentalexperts.co.nz
9-11 Reyburn Street, Whangarei
www.rentalexperts.co.nz
Rodney Surgical Centre is a day stay hospital in Warkworth, where you can see surgeons for oral & maxillofacial, plastic, cosmetic, skin, orthopaedics, gynaecology, urology, general and eye surgery.
Nearly all of our surgeons also work for public and/or private hospitals, so they have vast experience in their respective fields. You can have your consultation, procedure and follow up done locally at Rodney Surgical Centre avoiding costly and time-consuming travel.
Our world class, light-filled modern facilities are designed to provide you with the ultimate comfort and high-quality health outcomes. There is convenient, free parking for our patients onsite.
As the only private hospital between Albany and Whangarei we have been making positive and sustainable difference to our local community for over 15 years.
Local residents are realising they can have day surgery done by Auckland’s top surgeons without having to travel to the city. Based in Warkworth, we provide the very best of modern medical care with plenty of convenient, free parking, so you can avoid traffic queues and waiting times.
Ask
When it comes to caring for your s enses, you want to know you are in good hands So, when you, or your loved ones start to have problems with your ears or your hearing, there is a team of passionate professionals who will give you the very best service.
Hear Again
their bright, purpose made clinic at the Coast Plaza, for the past 9 years
In New Zealand, one in six people have some degree of hearing
world’s leading manufacturers, the team are happy to help.
NZAS Audiometrists Steve Foster, Alison Vau er and Daniel Johnson have over 60 years combined experience of expertly overcoming hearing
control on the TV, frequently asking family and friends to repeat themselves, or accusing people of mumbling when they speak With
studies throughout the world, these early signs are not to be ignored
manner of hearing and hearing aid problems Our Clinicians are never
Our friendly Clinicians can also professionally remove ear wax and any other blockages you may have in your ears Over the years we have removed all manner of surprising objects from our clients ’ ears ranging
Hear Again are the highest rated hearing clinic in the Hibiscus Coast, FREE
can be quickly and professionally checked for you at the Coast Plaza, Whangaparaoa
09
SuperGold helps you stretch your money further, offering instant discounts, special offers on everyday essentials and more. Explore the many ways you could save locally and nationwide.
SuperGold - or the ‘gold card’ as some people know it - gives you golden opportunities to stretch your money further. There are thousands of instant discounts and special offers. You will find all sorts of ways to make instant savings every day near you across New Zealand and in Australia.
The card gives you:
• Instant savings on everyday essentials like electricity, insurance, food and healthcare
• Discounts on entertainment, travel and in retail stores
• High value special offers
• Free off-peak public transport.
Once your New Zealand Superannuation or Veteran’s Pension has been granted, the Ministry of Social Development (MSD) will automatically send your SuperGold Card in the mail. This usually only takes a few weeks, but you may have to wait a month or two if you apply for New Zealand Superannuation prior to your 65th birthday.
SuperGold is one way the New Zealand government and business communities can say ‘thank you’ or ‘tēnā rawa atu koe’ to older New Zealanders for the work they have done raising families, supporting communities and contributing to Aotearoa.
If you do not receive or are not eligible to receive New Zealand Superannuation, you can still apply for a SuperGold Card. You must be 65+ years old and be a New Zealand resident. Simply fill in the SuperGold Card application and return it to us.
Call: 0800 25 45 65 (Monday – Friday, 8am-5pm)
Email: information@supergold.govt.nz
SuperGold Centre
PO Box 5054
Wellington 6145
www.supergold.govt.nz
Veteran SuperGold is a specially branded SuperGold Card to recognise service to our country in the Armed Forces.
Once your Veteran’s Pension has been granted, the Ministry of Social Development (MSD) will automatically send your SuperGold Card in the mail. This usually only takes a few weeks, but you may have to wait a month or two if you apply for New Zealand Superannuation prior to your 65th birthday.
The fast and easy way to find discounts and offers when you’re out and about is to use the SuperGold app. If you have a smartphone or tablet, download the SuperGold app from the Apple Store or Google Play.
The Office for Seniors is working to improve the lives of older people across New Zealand. Their website and regular email newsletter provide helpful information, news, and stories for older people.
Visit: www.officeforseniors.govt.nz
Call: 0800 25 45 65 (Mon-Fri, 8am-5pm)
Email: information@supergold.govt.nz
Can I use my SuperGold Card to travel free on public transport?
Yes. Most areas off-peak is usually 9am to 3pm and from 6.30pm to the end of service on weekdays, and any time on weekends and public holidays. In most areas you will also need a smart card from the Regional Council to access free off-peak travel.
How do I order a replacement card?
If your SuperGold Card is lost, stolen, damaged or if you change your name, call or email us to order a replacement card. You will need to let us know your full name, date of birth, current residential and postal address and SuperGold Card client number if you have one (found on the back of your SuperGold Card). You should receive a replacement card within three weeks – free of charge.
When will I receive my SuperGold Card?
You will be automatically issued a SuperGold Card when you’re granted New Zealand Superannuation or a Veteran’s Pension or a main benefit at age 65 or over.
Your New Zealand Superannuation will need to be approved at least three weeks before turning age 65 if you wish to receive your SuperGold Card by your 65th birthday.
Is SuperGold connected to my New Zealand Superannuation?
Once your New Zealand Superannuation or Veteran’s Pension has been granted, the Ministry of Social Development (MSD) will automatically send your SuperGold Card in the mail.
If you do not receive or are not eligible to receive New Zealand Superannuation, you can still apply for a SuperGold Card.
If you are turning 65 and receiving a main benefit from the Ministry of Social Development, your SuperGold Card will arrive at least three weeks after you are granted New Zealand Superannuation on your 65th birthday.
If you are not applying for New Zealand Superannuation then you will need to call or email us to advise you have turned 65 so the MSD can send you a new SuperGold Card.
If you have a current Community Services Card at the time you are granted New Zealand Superannuation, and you may continue to qualify for a Community Services Card, you will need to complete a Community Services Card application form to get a new SuperGold/Community Services Combo Card. It will have the initials CSC on the back and an expiry date.
Your new combo card’ replaces your Community Services Card. You can use this card for both health subsidies and SuperGold discounts.
Since May 2010, the only SuperGold cards with an expiry date are those which double as both a Community Services Card and SuperGold Card. These ‘combo cards’ have an expiry date because entitlement to a Community Services Card can change over time.
If the back of your card includes an expiry date (EXP) and this date has expired, call 0800 25 45 65 or email information@ supergold.govt.nz to arrange a replacement card.
If you are not normally a resident in New Zealand and do not intend to stay here, you will not qualify to receive a SuperGold Card.
Whether you’re trying to pay off a debt or build your savings, sometimes saving money is simply about changing your mindset and bad habits to achieve financial freedom in the long term.
Coffee/lunch - $4.50 for a latte or $8.50 for a Panini may not sound like much, but if you’re buying them everyday the total weekly cost is fairly significant. Times this by four and then by 12 and the yearly expenditure comes to around $3,000! Treat yourself every now and again, but think about where you’re better off spending your money
Dining out - Sometimes we tell ourselves that we deserve a treat and say this at the end of every week just because it’s Friday. Eating out can be a fine thing, and eating at home takes effort and planning, but at least you know exactly what’s going into your food. And your bank balance will thank you for it
Not checking what you spend - Many of us probably don’t bother to check receipts and often leave them to decay at the bottom of our bags until we find them a month later and discard them accordingly. If you can’t be fussed handling a draw full of receipts, at least check your bank account online to keep an eye on exactly what you’re spending. If money is leaving your account and you don’t even recognise where it’s gone, be mindful when you spend from now on
Don’t be influenced - Will Smith said “We spend money that we do not have, on things we do not need, to impress people who do not care”. Just because your friend bought the latest flat screen TV doesn’t mean you have to follow suit. Don’t be a sheep and follow your own path.
Funerals provide the opportunity to gather, remember and celebrate the life we've lost. But how we do that and how much it might cost are almost limitless.
If your budget is tight, remember even a modest farewell can still convey your love and respect and provide you with the grief support you need. Here are some ways to reduce costs:
Burials are typically more expensive unless you have access to an urupa or other private burial ground. Costs vary depending on what your local council charges – a burial plot may be as little as just over $1,100 in Taupo to more than $6,000 - $8,000 in places like New Plymouth and Auckland.
Cremation costs including ash interment plots on the other hand will range from $600 - $1,000. In addition, cremations require a cremation certificate that may cost another $120 - $200.
Some kind of casket or a shroud and board is required even for cremation so the person can be placed respectfully into the cremator.
The most elaborate caskets may cost $10,000 or more, but there are a range of options, including sustainable wood options in the $1,000 - $2,500 range. Some cities also offer coffin clubs where you can make your own casket.
Some 99 percent of New Zealanders use a funeral director for at least the death registration process.
In addition, a funeral director will attend to other paperwork, manage booking all the suppliers and venue for the funeral, arrange service sheets and photo slide shows, will transport your loved one from their place of death (a 24/7 service), will arrange viewings and much more.
The cost associated with this work will be captured in a ‘professional services fee’ which will vary significantly depending on the type of funeral you are having, and, to an extent, the part of the country you are in (funeral homes in expensive cities may cost more to run and part of the fee covers the cost of running the funeral home).
Typically, you might expect something in the region of $4,500 to $6,500. Some funeral directors offer funeral packages for very simple services that might have a reduced professional services component.
There are many other ways you can reduce costs to make a funeral more affordable. Consider these:
• Providing your own venue for the funeral or reception
• Choosing not to have a photo slide show or choosing not to live stream the service
• Limiting numbers at the reception to reduce catering costs. Or don’t have a reception at all. Instead meet at a local café where those attending pay their own way
• A single rose or a spray from your garden on the casket rather than a florist’s cost
• A confident (and organised) family member or friend in place of a paid celebrant
• Placing funeral notices online rather than large newspaper notices.
Funeral Directors Association members commit to always offering an estimate before a funeral. This enables you to make choices that are right for you and your family – and your budget.
To find out more about the assurance of a meaningful farewell that working with a Funeral Directors Association firm offers visit: www.funeraldirectors.co.nz.
offer two Chapels, one in Glen Road, Browns Bay and the other in Riverside Road, Orewa, both of which have been completely refurbished providing a warm, inviting and restful space.
It is only when you have lost a loved one yourself that you fully understand the loss others are going through. Forrest’s truly understand how difficult this time can be, so trust, respect, and openness are paramount.
When Forrest’s take your loved one into their care, they become part of the family, cared for in the way family do. Every funeral is of the highest standard in care and respect, with our private chapels always available for family and friends to say their goodbyes in private.
Part of the North Shore and Hibiscus Coast communities for over four decades, Forrest Funeral Services has gained a reputation for caring and professional staff and service, whether it be the Funeral Directors Graeme Rodgers and Leanne Little, or their experienced support staff. Forrest’s
Forrest’s prioritize choice, flexibility and access to information, to ensure the decisions you and your family make are the right ones that lead to a funeral that is both meaningful and immensely personal to each and every family and extended family member. It’s very normal to need time to think when someone dies, therefore Forrest’s give you the time to think, without rushing, to plan a funeral. Once you’re ready, they sit with you and gently discuss what matters to you, taking you through choices like cremation or burial, as well as asking about things you may not have thought about, like who will carry the coffin, or the tone of the celebrant. Whatever the questions, or uncertainty, Forrest’s provides the answers or options with the utmost consideration and care.
An important task Forrest’s take on is taking care of all the components that go into a funeral, both large and small,
taking the time to listen carefully and exploring which choices are right for you. This means talking through things like registering of the death, choosing a casket or help with writing a eulogy and planning the driving route to the service. Forrest’s purpose is to provide any service or manage any issue so you don’t have to, to ensure you have the best possible farewell of your loved one, that will be warmly remembered for years to come.
Some people want a simple, no fuss affair. Others, something more colourful and unique. There’s no right or wrong. Forrest’s understand that people are different and their wishes are too. The most important thing is that the funeral is right for you and your family.
The Forrest Funeral Services team understand their community because they’re part of it. They live in the East Coast Bays and Hibiscus Coast communities and have done for over 40 years. They are immensely proud of the professional, caring services they provide to their community.
8 Glen Road, Browns Bay 09 479 5967
39 Riverside Road, Orewa 09 426 7950
Originally, these words were spoken by Mahatma Gandi but they could easily be used to describe the inner workings of the Forrest Funeral Services here on the North Shore.
Planning your own funeral is never an easy thing to do. However, almost everyone says that once they’ve taken care of these essential arrangements, a weight has been taken off their shoulders. With premises in Browns Bay and Orewa, we’ve been part of the North Shore community for over 40 years now. Whatever your choices, whatever your traditions, whatever your budget, at Forrest’s we’re here to help you celebrate the life you lived, your way.
Next Level Construct was founded in 2010 by Brendon Sowerby. 10 years and over 100 completed projects later, Next Level Construct is a full service construction company working all over Auckland.
We aim for our clients to find working with us refreshing. Next Level Construct’s focus is always on working collaboratively with our clients. We believe that a successful project is the result of a great partnership and is a mixture of passion, effective results, and personalisation. We engage with the best in the construction industry to create an amazing client-focused building process. In an ever-changing industry, we have been and will always be about providing the best possible service and options to our clients without compromising on quality.