Plus Living + Waikato Issue #3

Stress out

Why you shouldn’t worry about worrying

An essential mindset to help you navigate modern life

Making the most of every day

8 tips which involve doing surprisingly little

Bang for your buck

Getting more out of your money

How to make better decisions

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Highfield Country Estate is a privately owned and operated retirement village developed by members of the Fladgate Family. The family has a long association with the Waikato region and have planned a fantastic village around their vision.

Our Vision: To provide the facilities and environment that allow you the freedom to live the lifestyle you enjoy we ensure you have the lifestyle you want, and the peace of mind you deserve.

facilities and environment that allow freedom to live the lifestyle you enjoy

Village layout has been given careful planning consideration in keeping with their vision for a quality retirement village development for Te Awamutu. Villa layouts are numerous and have been designed to maximise the sun into each unit. Our kitchens are positioned on the eastern side to receive the morning sun and living areas face towards the north. Landscaped grounds, including beautiful stonewalling and aesthetic planting enhance the quality brick and tile villas.

Each villa is fitted out with quality fittings and appliances. The modern interior decor features neutral toning throughout.

397 Swarbrick Drive, Te Awamutu

Peace of Mind for residents is provided for with security gates positioned at both Highfield entrances. 24 hour monitored emergency call buttons in each villa will render assistance to you if needed.

www.highfieldcountryestate.co.nz | manager@highfieldcountryestate.co.nz

Highfield has a total of 116 - two and three bedroom villas.

If you’re approaching retirement and considering your future options, or have already retired and are looking for a lifestyle that enables you to live your life to the full, then Highfield Country Estate will offer the choices and opportunity you are looking for.

We are excited to announce Highfield Country Estate is expanding – offering additional two- and threebedroom villas and serviced apartments. The new Restaurant/Café facility will further enhance village living for residents and give them so many new options.

We would appreciate the opportunity to discuss in more detail any information we have supplied. Feel free to give us a call and perhaps make an appointment to discuss how we may be able to assist you further.

We provide

07 871

www.highfieldcountryestate.co.nz

Our villas are designed to meet your needs today and into the future

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

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

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

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Publisher: The Job Agency Ltd T|A Markat

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Managing Director: Gary Collins

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

Editor: Jonathon Taylor

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

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IN A MODERN SOCIETY

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. Disclaimer

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

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

Making the most of every day

Eight productivity tips which involve little

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.

1. A tired brain is a useless brain

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

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

2. Make switching off part of your daily routine

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

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

3. Manage email overkill

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

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

4. Hold off on making rush decisions

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

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

5. Step back from technology frustration

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

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

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

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

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

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

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

8. Use designated breaks to get out and exercise

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

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

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

Lifestyles

Formation Wedge Speaker

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

Roomba j7

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

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

Collezióne Tibetan Lamb Throw

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

RRP: $1,995

www.luxurylinen.co.nz

Melt Stand Chandelier Gold

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

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

RRP: $2,499

www.soundlab.co.nz

Goccia Coffee Table

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

RRP: $1,439

www.danskemobler.co.nz

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

It’s Time to E xp erience Premium Indep endent Retirement L iv ing

Family owned and operated, Te Awamutu’s Highfield Countr y Estate was established in 2012 and is set in beautifully landscaped grounds.

o unprecedented demand, we are proud to announce the limited release of an additional 50+ villas with ear thwork construction starting soon Selec t from a variety of floorplans with the well-appointed two and three bedroom proper ties ing spacious, open plan living with quality fittings and appliances

ur Residents Enjoy the Benefits of :

• A family focused and dedicated Management Team

omprehensive programme of week ly social outings, events and ac tivities

• A safe and secure living environment

• Beautifully landscaped well- established and maintained grounds

• A vibrant community atmosphere and sense of belonging

• Maintenance free, lifestyle living

One of the best decisions we made was to move into Highfield, where we know, and our family knows, that we live in a safe, happy, and friendly environment where people look out for one another We love living here and if you are lucky enough to get the oppor tunity to purchase a villa, please come and join us and enjoy our retirement.”

learn more about the benefits of independent lifestyle living at Highfield and to organise a personalised tour of our facilities contac t General Manager Sher yl Brown - 07 871 2020 (Monday to Friday between the hours of 10am – 3pm) manager@highfieldcountr yestate.co.nz | 397 Swarbrick Drive, Te Awamutu

Keeping ontimeyour side

Let messages wait

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

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

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

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

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

Analyse your schedule

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

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

Create ‘time windows’

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

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

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

Rediscover single-tasking

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

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

Give yourself permission to ‘check out’

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

Reward yourself

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

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

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

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

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

Senior Driving

The Otorohanga District Council is committed to keeping locals safe on the roads. Part of that is ensuring everyone understands and can put into practice road rules.

Even incredibly experienced drivers can need a refresher every now and then. Senior drivers should also consider reminding themselves of the road code as well as any new or update rules.

For example, the council often receives requests for advice regarding safely traversing roundabouts. While there aren’t any roundabouts in Ōtorohanga, there is one in Te Awamutu. Waka Kotahi New Zealand Transport Agency says you must give way to vehicles already on the roundabout or entering the roundabout from a road to your right.

If you are driving straight through a roundabout, don’t signal before entering the roundabout. “Signal left when you pass the exit before the one you want,” Waka Kotahi says. When turning left on a roundabout, signal left before entering the roundabout and signal left before leaving the roundabout.

Turning right at a roundabout can sometimes throw people off. “Signal right before entering the roundabout. Signal right while

you ride around the roundabout,” says Waka Kotahi. “Signal left when you pass the exit before the one you want.”

The Ōtorohanga District Council understands many of their older drivers may require medication and want locals to be informed. According to Waka Kotahi, one in four prescription medications can cause impairment while driving. Medications such as strong painkillers, depression medication, heart medication and many more have the ability to cause impairment. Check with your doctor or health provider if the medication you’re on may cause driving impairment.

To ensure you’re driving safely and knowledgably on the road, you can take a Staying Safe course. Information around these can be found at your local Age Concern office. The Ōtorohanga District Council can also provide further information. Visit their website at www.otodc.govt.nz. Or, give them a call on 0800 734 000.

Stress out

Why you shouldn’t worry about worrying

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

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

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

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

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

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

But these findings don’t just apply to gambling.

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

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

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

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

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

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

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

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

Pros

• More attentive to detail

• More motivated to work

• More polite and attentive to others

• Vigilant for risks and threats.

Cons

• Overcautious

• Less creative

• At risk of becoming too stressed

• More closed minded.

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

Pros

• More creative

• Form better relationships

• Healthier

• Willing to explore.

Cons

• Prone to overlooking threats and dangers

• Open to unwise risks

• More gullible

• Lacking appropriate embarrassment or guilt.

Latest Improvements in Diabetes Treatment

Newly funded medications, digital technology and training innovations are behind recent big improvements in care for diabetes patients.

Te Awamutu Medical Centre diabetes specialist nurse, Cathy FraserReading, says “Diabetes management is now happening in a cohesive way that hasn’t been possible before.”

New game-changing medications

In 2021, PHARMAC began funding Trulicity (Dulaglutide) and Jardiamet/ Jardiance (Empagliflozin with and without metformin). Both diabetes medications are used widely overseas with great effectiveness, but were previously unfunded in New Zealand.

Now available and with equity funding for specific patients, the two medications are making a huge difference for eligible patients. The number of patients starting on insulin has dropped dramatically since the new medications became available.

“These medications work so well. They reduce risk of renal failure from diabetes and potentially improve our blindness and amputation rates. They both also reduce the risk of cardiovascular disease and death from heart attack and strokes,” says Cathy.

Better management of treatments

A new digital diabetes dashboard rolled out this year and used by medical centre staff has helped to increase uptake of the new medications from 25 percent to 50 percent.

“Using the dashboard, we can easily identify who is eligible for the new medications and get people in to review their diabetes management and treatment,” says Cathy. “It also helps to measure the outcomes and progress in the future.”

Motivated, informed and having effective conversations

Further support for improved diabetes management comes from a new, easily accessible education course run by Dr Ryan Paul, academic endocrinologist at Te Whatu Ora Waikato and the University of Waikato. GPs and nurses from Te Awamutu Medical Centre are currently enrolled in the first intake of the course.

Looking to the long-term benefits

The significant positive outcomes already being seen in patients create hope for longer-term health improvements in the future.

Diabetes management is now happening in a cohesive way that hasn’t been possible before.

How to make better decisions

Consider both costs and benefits

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

Justify yourself

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

Distance yourself from the issue

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

Don't believe the hype

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

Make fewer decisions

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

What would Spock do?

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

Expert advice & quality solutions

Showerwell is a privately owned New Zealand business who sells products such as showers, vanities, toilets, baths, tiles and much more.

The company started in the shower business over 35 years ago and now provides quality solutions for bathrooms, wardrobes and tiles.

They design their own products specifically for the NZ market. They use local materials where they can and manufacture many of their products in one of their two Auckland factories.

Showerwell offers expert advice on both practicality and design options. They also offer installation services, making your new project just that much easier!

Products that can be installed by the team for your next project are showers, mirrors, wardrobe doors and the fitting of shelving in wardrobes. Alongside installation, customers gain up to a five year warranty.

The company can provide products for your renovation or building needs, whether it be in your own home or business.

The team at Showerwell can provide expert advice or a free measure and quote. They can deliver on projects effectively and efficiently from a single wardrobe or shower to large construction projects.

If you need information on any of their products or about tile safety visit their website: www.showerwell.co.nz.

Showerwell Waikato is based in Hamilton and is open Monday to Wednesday from 8am till 5pm and Thursday to Friday from 7:30am till 4:30pm. Saturdays by appointment.

Area representatives of Waikato are ready to visit your site to provide advice, measure and quotations for your project.

Showerwell Waikato has a large team of dedicated installers as well as a project manager for each installation project.

For more information pop into Showerwell Waikato on Higgins Road in Hamilton or call them on 07 222 2783, or send them an email at waikato@showerwell.co.nz.

The power of gratitude

An essential mindset to help you navigate modern life

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

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

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

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

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

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

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

Kim Tay, director of online training from the New Zealand Institute of Wellbeing and Resilience says, “There’s no doubt the past year has been tough, and we don’t want to diminish that, but wherever you are on the spectrum of how the pandemic has impacted you, taking a moment to notice what’s still good in your world, and particularly who you are grateful for, is such a powerful way of broadening our perspective and enabling us to cope in the face of uncertainty, challenge and change.

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

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

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

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

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

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

Questions you can ask yourself:

• Who are you grateful for?

• Who wouldn’t you want to live without?

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

• Who are you most proud of?

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

Celebrating Life - Your Way

When a funeral is personalised, it creates a special space for sharing precious memories, telling stories, and simply being together with friends and family.

The team at Rosetown Funeral Home are dedicated to providing personalised and meaningful funeral services, and are happy to discuss new ideas, pre-planning and/or pre-paying for your funeral. We are here for you in your time of need, so please get in touch anytime to discuss your options.

Rosetown Funeral Home proudly serves the people of Te Awamutu, Ōtorohanga and the surrounding areas.

We believe that each funeral service should be as unique as the life you are celebrating.

Keeping your will up to date

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

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

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

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

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

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

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

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

A living will

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

“A living will, also called an “advance directive”, states what medical care you should be given if you become physically or mentally unable to decide. You might want to make a living will saying you should or shouldn’t be resuscitated or that you want life support turned off in certain circumstances. “Medical professionals can’t ignore an advance directive unless there are reasonable grounds to doubt its validity.”

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

Times when you should update your will

• Change of marital status

• When your financial situation changes

• Your partner or spouse dies

• Your health changes

• Already-named benefactors have passed away

• The birth or adoption of a family member

• The acquisition or sale of a significant asset

• Children reach 18 years

• If you have come into an inheritance.

Bang for your buck Getting more out of your money

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

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

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

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

Five key principles to stick to:

• Take control of your money and control your life

• Spend less than you earn

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

• Let time and compound interest work for you

• Invest in yourself — especially your skills and qualifications.

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

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

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

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

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

Money management tips:

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

• Beware of luxuries dressed as necessities

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

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

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

• Beware of spending creep as your income rises

• Give yourself a credit card haircut

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

Recognising online scams

– what to watch out for

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

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

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

Phishing scams

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

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

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

Romance scams

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

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

The scammer will go to great lengths to gain their victim’s trust and to keep them romantically interested, from professing their love and even sending gifts. A lot of times they can take months to establish this trust and may even pretend to book flights to come visit but don’t actually come because of some excuse or another.

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

Shopping scams

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

These websites can use modern layouts and designs, even having a “.co. nz” domain name to make it seem like an actual New Zealand business. Other times, the business even advertises on your Facebook or Instagram page, giving it an extra air of legitimacy.

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

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

Harmony Tech is a security and audio/visual company offering services in Hamilton, Waikato and beyond.

Have you got technology you don’t quite know how to use or comprehend? Harmony Tech gets it and they can help to make things easier for you.

The friendly and experienced team can provide a quote with no hidden costs, which you can get by filling out a contact form online: www.harmonytech.nz

The team is ready to help you with all your requirements for your new audio/visual system, security, or home control system at any time. The team stands out from the crowd because they have easyto-understand language and no confusing terminology. They have systems that give you what you need and want fast and efficiently, a personalised design to fit your house and needs and a system that is

made just for you. Finally, they have friendly and fast expert advice and installation with a wide range of reliable brands.

Harmony Tech aims to develop your space and give the highest quality audio/visual and security experience possible, providing the best system for you. You can rest assured knowing you’re in good hands, as the expert team has the experience and knowledge to take care of every aspect of your requirements. They guide you at each step to ensure you know what’s happening along the way and help you find a system that will satisfy your needs and make you feel happy and secure at home.

You will be put first to ensure you get what you want and deserve. Whether you want an easy-to-use system for your lounge or your whole house equipped, the team is there to help!

Get in contact with Jonathan today by emailing jonathan@harmonytech.nz or calling 027 489 6886.

He is happy and ready to help you with your enquiry!

Design specialists

SERVICES

Commercial Design

Maximise your commercial investment with smart design. Our team are experienced in multi-use commercial layout and can often bring ideas to the table you may not have considered.

Our team has extensive experience in both residential and commercial building designs, plus we can take care of preparing your project’s building consents for Council lodgement and Council liaison.

Diverse Design Ltd is a team of talented professionals who work alongside their clients every step of the way on each project. We apply artistic engineering and construction skills to design commercial buildings and bespoke residential homes.

Diverse Design is just that, diverse; We’re very open-minded to different styles, sustainable ideas and alternative building solutions. We understand that no two clients are the same, ideas and budgets vary and we treat each client and job individually. We take the time to establish what you want and deliver the best solution and style for you.

sustainable ideas and alternative building solutions.

Our goal is to provide the highest quality architectural design and drafting services. We’ve been involved in many multi-million dollar residential and commercial design projects and are proud to bring all this experience to your next project.

Under the guidance of our founder, James Cusiel, who has a reputation for providing quality work and a friendly and professional manner, the team have been given great opportunities to be involved in large-scale projects. This has allowed James to continue to grow the company’s portfolio.

The whole team welcome new clients and are ready to help make your dream project a reality with our clever designs.

Documentation Drafting

Documentation requirements can be confusing and can cost you more if you don’t understand the system. We can take care of all aspects of documentation required for council consents for you.

Residential Design

From multi dwelling residential complexes to bespoke holiday homes, our design process means we take your ideas and craft them into a clever concept.

Pre-Design

Assisting with the formulation of a brief, bulk and location, evaluation of properties, resource consent applications, arranging land surveys and geotechnical reports.

Bulk & Location

The main purpose of a Bulk & Location Study is to assess what can be achieved on-site.

Consent Documentation

Coordination of consultants; detailed construction documentation; comprehensive specifications; colour schemes; Material Specification; building consent applications.

Working Drawings

Full detailed drawings suitable for Council Building Consent submission.

Council Liaison

We can create and submit all of your consents to the council on your behalf, making required adjustments as required.

Construction

& Administration

Diverse Design, (also known as DDL Architecture) is an experienced team of architectural designers based in Hamilton, Waikato.

Diverse Design is just that, diverse; We’re very open-minded to different styles,

Diverse Design Ltd is a team of talented professionals who work alongside their clients every step of the way on each project. We apply artistic engineering and construction skills to design commercial buildings and bespoke residential homes.

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

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

Dont ‘s : no bending, overlapping or going backwards

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

Word Search

Satay chicken wrap

Ingredients

• 1 wholegrain or natural wrap

• 50g shredded chicken

• ¼ carrot, grated

• ½ courgette, grated

Satay sauce

3/4 TBSP peanut butter

1/2 tsp chilli sauce

• ¼ capsicum diced

• ¼ red onion, diced

• 1 handful baby spinach

Method

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

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

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

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

Nutritional value

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

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

Allergies: Gluten, Sesame, Peanut, Nuts.

Study shows these hobbies can increase IQ

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

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

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

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

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

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

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

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

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

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

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

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

Learning a new instrument - 9.71 percent

Knitting - 9.68 percent

Exercising - 7.37 percent

Reading - 7.07 percent

Practising meditation - 6.38 percent

Learning a new language - 5.88 percent

Gardening - 5.10 percent

Joining an online video game group - 4.81 percent

Making and editing videos - 4.26 percent

Trying new recipes every week - 4.17 percent

Starting to write/blog - 4.12 percent

Colouring in an art book - 3.96 percent

Daily journaling - 3.26 percent

Playing a new board game - 2.00 percent

Sewing - 1.03 percent.

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

Super tasty and a great source of protein, fibre and vegetables.

Give us our daily bread

with the family, have the grandchildren more, travel overseas or finally put the camper van through its paces on a tiki tour through NZ.

But that isn’t happening for most superannuitants. Even those who thought they had prepared well for retirement and had put aside the means to do so … comfortably.

Our current cost of living crisis is daily conversation in most households. From the price of eggs, milk or bread (once cheap staple items), looming winter energy bills and crippling rental and mortgage payment hikes, these discussions aren’t positive.

Even for me. And I’m always the person looking for the silver lining in everything.

In February, Statistics NZ announced the overall cost of living had risen by more than 8% in 2022 compared to 2021. Housing, food and transport were the main contributors across all households.

No surprises there, but worrying for all, especially for seniors.

I can remember the days when turning 65 meant that it was time to put your feet up after years of working.

To have the ability to do stuff you always wanted to do — hobbies, crafts, restore that classic car you had tucked away, enjoy extra time

Moreover, many 65+ year olds can’t retire. Some are working two or more jobs just to make the stretched ends meet.

A recent example was the 81-year-old mechanic who featured in the Rotorua Daily Post. He’s tried seven times to retire, but is driving trucks three days a week, because his pension isn’t enough to live on.

Others are working two or more jobs to try and make ends meet or featuring in news items because they living in their cars to get by. It makes for grim reading. While food prices soar at their fastest rate in 33 years, the Government isn’t addressing the underlying drivers of inflation in our economy.

As a three-term politician, the last two as a member of the Opposition, I have seen how it’s happened. While food prices soar at their fastest rate in 33 years, the Government isn’t addressing the underlying drivers of inflation in our economy.

National has announced a number of immediate priorities we would enact should we become the government after October 14.

But because I don’t have the space in this publication to explain them all, the detail of them can be found here on our website www.national.org.nz/priorities.

Addressing our cost of living crisis is at No 1.

I think many Kiwis would agree — we’ve been subjected to a government which has for the better part of six years, made plenty of announcements with little to nothing to show for them — apart from the colossal price tag.

Above all else, that staggering spending needs to stop — also a priority if National becomes the next Government.

If not, we will be needing divine intervention, to afford our daily bread.

You don’t need to turn on a radio, watch television or pick up a newspaper to know that most New Zealanders are under enormous financial pressure.

Wall to wall choices

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

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

The first instinct for many of us in New Zealand is to reach for the white paint. Using the same white paint throughout a rental property is expected, but it’s a bit drab when a house is absentmindedly doused in it.

It says: ‘yeah, this place is just one rung on my way up the property ladder’. Even if it’s true, that doesn’t really translate to ‘home sweet home’ does it?

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

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

Playing with paint

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

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

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

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

Wondering about wallpaper

Gone are the days of pasting wallpaper onto the wall. Nowadays DIYers have the choice between pasting wallpaper or adhesive wallpapers. Also, homeowners can further personalise their wallpaper choice with high resolution photos which can be blown up to fit the wall space.

Patterns and textures are easily integrated into a space with wallpaper available in a variety of colours and materials like paper, vinyl, fabric and more.

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

Decisions, decisions

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

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

Green with envy

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

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

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

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

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

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

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

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

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

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

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

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

We’ll put it right

PRODUCT & SERVICES

Ask us about:

• Sectional doors

• Tilta doors

Look no further than South Waikato Garage Doors Ltd; we will work with you to provide you with the best quality garage doors.

There are many different types of doors and auto openers out in the market place these days. Fortunately, we stock a wide range of garage door parts, and in most circumstances, we can supply parts or assist you to fulfil your requirements.

Our installation service is second to none. We also service and repair all makes and models of garage doors and automatic openers.

Here at South Waikato Garage Doors Ltd, we guarantee that your installation will be performed to the highest standard by trained and well qualified staff, sub-contractors and service personnel. Upon completion our experts will leave your premises as tidy, if not tidier, than how they found it. Our promise is if you should ever be dissatisfied with the quality of our workmanship, we’ll put it right.

No job is too important that it can’t be done safely. Our qualified professionals have been through several health and safety induction processes and are very familiar with the site safety requirements.

• Roller doors

• Commercial and industrial

• Rural

• Garage door parts

• We are also able to install our complete range of garage doors and also offer repair services.

• Our guarantee

We can provide you, our customer, with the following guarantees:

• Professional service

• Quality products

• Quality installation

• Tidy premises on completion

• Qualified staff

For safety, security and style think South Waikato Garage Doors Ltd. Call us in South Waikato on (07) 888 8715 to get started with a new garage door.

When your garage door won’t go, you need a local in the know.

Clean and green Sustainable bathroom products

Shampoo and conditioner bars

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. You can also purchase some in your local supermarket. www.ethiqueworld.com

Reusable razor

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. Cali offer a great blade return service.

www.caliwoods.co.nz

Electrical experts

Are you in need of reliable and professional electrical services for your home or business? Look no further than Connect Electrical.

With over 20 years of experience in the industry, their team of experienced electricians are equipped with the knowledge and skills to handle any electrical project.

The friendly team covers the Waikato region and specializes in residential, new homes, maintenance, renovations and commercial requirements. From installations and maintenance to extensions, renovations and new builds, Connect Electrical have got you covered.

Connect Electrical also know a thing or two about Healthy Homes as they are a trusted subcontractor for Kaianga Ora and work on their properties to bring them up to Healthy Home standards. They specialize in installing heat pumps, kitchen rangehoods and bathroom extractor fans, ensuring that rental properties meet the Healthy Homes standard which they must comply by 1 July 2025.

A family run business, they know how to look after their clients. Owned by husband and wife duo – Dan and Kylie Mischefski – they’re

your go-to residential & commercial electrical experts, dedicated to going the extra mile for all your electrical needs. Dan understands the importance of timely service and the team prides themselves on being flexible.

Dan will meet a customer at a time that’s convenient to them, complete a walk through of the job, give advice or solutions and provide a free quote. They’re also able to complete an electrical design using an electrical software tool for any plans you might have.

As Registered Master Electricians, Connect Electrical guarantees their work. They will also provide a Certificate of Compliance upon completion of the job. For reliable, honest and friendly electrical services in Waikato, look no further than Connect Electrical.

For more information, visit www.connectelectrical.co.nz or give the team a call on 027 696 3467.

Kitchen kit Tools to suit any chef

Here are tools for the modern kitchen that will elevate people’s chef skills, simply, yet efficiently.

The top New Zealand culinary masters have revealed their kitchen tools and which tools are the best to use when cooking at home in a new cookbook - Lodge Cast Iron New Zealand’s favourite recipes book. Tools include a Lodge cast iron.

According to Lodge Cast Iron New Zealand, Lodge Cast Iron has been making prime cookware and accessories since it was established in Tennessee, the US, in 1896, which has also been very popular in New Zealand.

The cookbook was written by Kiwis for Kiwis. It features the country’s most notable chefs and home cooks to show all the awesome recipes people can cook easily in their homes using the product.

A featured New Zealand chef, Sam Mannering, thinks people need only a few tools and the more adaptable it is, the better, so people can get a lot of use out of the product when they’re cooking.

Another featured New Zealand chef and Cazador delicatessen co-restaurateur, Dariush Lolaiy, also believes people only need a few kitchen tools to master their chef skills and create a wonderful dish.

“I don’t think a whole lot of cooking tools are necessary. If you’ve got good quality basics - a cast iron pan, a quality chef’s knife, and the digital probe thermometer, that’s pretty much all you need to master a good meal. Sometimes less is more if you’re using things properly.”

A modern kitchen tool Dariush recommends people use at home is a digital probe thermometer because it helps people cook meat to their liking, so they can “nail it every time”.

He says, “While actually a classic kitchen tool, a cast iron 30cm skillet is a must for any modern kitchen. It’s versatile for every

heat source and can be used for intense cooking at high temperatures, or for low gentle cookery - in either context, the heat is always even.

“I use my grandmother’s cast iron that was passed down to my mother who then passed it on to me and it’s still good as new, so that’s a sign of durability and reliability.”

Digital probe thermometers can be bought at most decent homeware stores, he says. “Look for an instant-read variety with a fine tip.”

He also believes these kitchen tools help people feel more confident in the kitchen because it’s simple to use and makes cooking feel like it can’t go wrong.

A cast iron works for hot and fast cooking and can work well with cooking slow dishes that people can leave in the oven for a while, “so it’s hard to really stuff it up!”

A tip Dariush recommends people do to make a great dish simple yet efficient is to cook a slow-cooked dish.

“Something that you can prep in the morning like a braised lamb shank dish. Brown everything off and put all your ingredients in the cast iron and leave it in a low oven while you concentrate on other things. It’s a fail-proof and delicious dish.”

The Lodge Favourite Recipes cookbook is available for free with Lodge Cast Iron that can be bought pre-seasoned at www. lodgecastiron.co.nz, and at participating stores during September and October this year.

Why not give these tools in the kitchen a go? And remember, less is better if it’s done right.

Taupo Central North Island

We make learning fun to improve results. A structured program using a mix of book work, hands on material and computer activities keeps the program varied and maintains engagement. Yr 11 and 12 students are well catered for too.

Top-notch service

conference. I am really proud to have received both awards, as they fit with our ethos. We want to do the best work possible, for the best people.

The basics like clear communication, turning up on time, honouring a quote, doing the job with integrity and treating each property and person we visit with respect, are all things that we strive for here at YourLocal House Wash & Pest Control Waikato.

Having joined the YourLocal franchise in 2019, my wife Jacina and I have had the privilege of servicing over 2,000 properties across the Waikato. Over that time, we have been named Franchise of the Year in 2020 and 2022, as well as receiving the 2021 Aspiring to Excellence award at our annual franchise

Our team is well trained, polite, effective, and efficient. I run the phone, emails, quotes and invoices, as well as getting stuck in on the tools. Our full time, on the tools crew are AJ and Yaamis. They are both great men to have on our team. My lovely wife does our monthly emails, amongst being a full time mum of three.

Our team love a yarn at the end of the job, readily share their knowledge and enjoy what they do. As a business, we are fully insured and offer a 100% money back guarantee on most services. We are confident that we can provide you with exceptional service.

Kip McGrath Hamilton

Hamilton has two Kip McGrath Centres that have been providing excellent, up to date and relevant tuition for over 20 years. They offer individual learning programmes tailored to the specific needs of each student as identified in the initial free assessment.

“Mathematics, English, spelling, reading, and writing are taught, including NCEA math, English and sciences. Programmes are modified as children achieve their goals,” says Paul Kelly, Kip McGrath Director. “Our goal is to help students succeed in class. We do this through weekly, 70-minute tutoring sessions that are personalized for every student and include one on one attention.”

Students work within a supportive, small group setting run by trained, qualified teachers. “They quickly develop a sense of achievement and discover learning is not only successful –

it’s enjoyable too,” says Paul. They also have several students who just work online. This has grown since the lockdown and will be a growth area for them.

The sessions feature a mix of books, worksheets and computer activities providing the variety that a student’s brain needs to keep engaged, motivated and learning. As the student gets older, they have more input into the content of the lesson. This tailors tutoring to their needs and increases engagement, ensuring the time with us is well used.

The centres cater for a wide range of students from duxes of schools to those who really struggle including dyslexic students.

Free assessments can be made online at Kipmcgrath.co.nz or by ringing Paul 07 848 2262 Help your child now.

As the owner of a small business, I understand how important it is to treat your customers well.

Celebrating Life - Your Way

We believe that each funeral service should be as unique as the life you are celebrating. Rosetown

Reliability, professionalism and performance

Delivering quality results has been our number one priority since 2005.

We are a local, family-owned painter & decorator servicing Otorohanga, Waipa, Waitomo and the surrounding districts.

Our team of professional painters treat each and every client like part of the family and take as much pride in their work as you do in your home or business.

Whether it’s a small residential job or a major commercial project, the Dave Rowe experience is the same. You’ll get attention to detail, a prompt and tidy service with a five-year guarantee on

all our work. We guarantee and stand behind all workmanship.

We never compromise on any aspect of the work and we take pride in tailoring packages designed to make life easier for all our clients. We’re proud of our reputation for reliability, professionalism and performance.

At Dave Rowe, we know your home is your castle and you want to be happy and comfortable in it. We can do exterior residential painting, interior residential painting, roof painting, house washing, new builds, wallpapering, plastering, colour consultation and more.

For more information, visit daverowe.co.nz. Get in touch with the team on 07 873 9104 or email decorator@daverowe.co.nz.

A team you can count on to deliver

We started as a small family business in the early 1970’s in Huntly, then traded as Beddis Electrical Ltd (in the 1990’s and early 2000’s).

We were invited to join the Laser Franchise in 2004 and for 10 years we traded as Laser Electrical Huntly, up until March 2014. As of April 1st, 2014 Jon & Sharon Beddis and Clint & Nardia Robinson were excited to announce the launch of Rivertown Electrical.

In July 2019, Clint and Nardia Robinson had taken over, and to this day are continuing to provide the great service and friendly faces you have come to expect from Rivertown Electrical Ltd.

We are a small/medium sized Electrical Contracting company based in Huntly, with friendly staff that are always willing to go the extra mile.

We are specialists in electrical installation, service and maintenance on a wide range of domestic, commercial, rural/agricultural and industrial sites.

RANGING FROM OVEN INSTALLATIONS TO FARM BREAKDOWNS AND EVERYTHING IN BETWEEN:

• Rewiring of buildings

• Lighting replacements or upgrades

• Upgrades to switchboards

• Hot water cylinder repairs

• Oven repairs or installation

• Extract fan installations

• Builder’s temporary supplies

• New electrical connections

• Water pump issues

• Mains cabling upgrades and installations

• Cow shed builds, retrofits and breakdowns: Including but not limited to - platform, backing gate or water supply problems

• Poultry farm builds, retrofits or maintenance: Including but not limited to – feedline issues, auger breakdowns or fan/ motor replacements

• Industrial machine breakdown service and maintenance.

We strive to give the best advice and service available in the most cost-effective way for our clients. With over 20 years’ experience and local knowledge, we are a team you can count on to deliver.

Rain, hail, or shine - we are available 24 hours a day/365 days a year with our after-hours breakdown emergency service only a phone call away.

Big brands, best value

Trowel Trade Supa Centre Hamilton have been in Hamilton now for 14 years. We are a specialist trade store and we cater to the needs of anyone that uses a trowel. In effect, we are their “home base” or “one stop shop”.

The Trowel Trade brand is a growing brand within New Zealand’s building supply industry, with a chain of branches throughout the north and south islands under franchise. So, you know you can depend on us being a local business that we are right there on your doorstep to help.

We have experienced owners across the franchises that search and source new innovative products internationally, so that we can keep our product offer as up to date as possible. With strong relationships with our suppliers, we can offer you great products and good prices (big brands, best value).

From brick and blocklayers, concreters, landscapers, plasterers, tilers, roofers, civil to specialist concrete repair, we pride ourselves heavily on not only our product offer, but also the knowledge that is the backbone of our advice we can offer. From compounds to trowels or tools to wheelbarrows and machinery – we have it all. No project is ever too big or too small!

Trades we supply include but aren’t limited to:

• Interior, drywall plasterers (gib stoppers)

• Exterior, solid plasterers

• Concrete and brick and blocklayers

• Tilers and waterproofers

• Painting and Decorators

Being locally owned and managed, we can move very quickly to bring a “new” product in for a client, rather than get hampered by the typical “head office policies” other businesses are frustrated by. At the end of the day, our view is that this frustration can then become the customers and that is not how we do business.

From brick and blocklayers, concreters, landscapers, plasterers, tilers, roofers, civil to specialist concrete repair, we pride ourselves heavily on not only our product offer, but also the knowledge that is the backbone of our advice we can offer.

We pride ourselves on our service promise to our customers, as we provide services with quick delivery - “you ring, we bring” and “we will because we can”.

So, whether your project is extensive to small, you can count on us to play our part in the supply of the right product.

Our Hamilton based team is friendly, communicates well, has a lot of knowledge and experience with all things that need a trowel, and has strong workmanship. We complete tasks to the best of our abilities.

Don’t feel afraid to ask us for help our team provides great service, quality products at great affordable prices that you’ll want to come back.

Trowel Trades Supa Centre Hamilton is located at 10 Karewa Place, Pukete, Hamilton, Waikato.

Opening hours are from Monday to Friday from 7am until 5pm. Saturday from 8am until 12pm. Sunday is closed.

Give the team a call at (07) 849 3659, head to the Facebook page: www.facebook.com/troweltradesnz or make an online enquiry on the website www.troweltrades.co.nz/trowel-trades-hamilton

Come and see the team, we are here for you!

Super savings with SuperGold

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

What is the SuperGold Card?

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

The card gives you:

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

• Discounts on entertainment, travel and in retail stores

• High value special offers

• Free off-peak public transport.

Getting the SuperGold Card Getting an automatic SuperGold Card

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

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

Applying for a SuperGold Card

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

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

Email: information@supergold.govt.nz

SuperGold Centre

PO Box 5054

Wellington 6145

www.supergold.govt.nz

Veteran SuperGold

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

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

Get the SuperGold app

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

Office for Seniors

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

Visit: www.officeforseniors.govt.nz

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

Email: information@supergold.govt.nz

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

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

How do I order a replacement card?

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

When will I receive my SuperGold Card?

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

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

Is SuperGold connected to my New Zealand Superannuation?

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

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

What if I am already receiving a main benefit?

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

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

How does the Community Services Card work with SuperGold?

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

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

Does my SuperGold Card have an expiry date?

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

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

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

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

What is the best way to sell your home ?

You know when you’re searching for property, what’s your reaction when you see, aucton, tender, by negotiation or deadline sale!

If you are serious and want to meet the market, list your home with a price.

Buyers tell us, they look first at properties in their price range, dismissing others. If it doesn’t have a price, how can you tell?

A price on a property helps the buyer to know if it’s within their budget, they make genuine enquiry and are more likely to make an offer. If you watch a property that is first listed without a price, what happens when the deadline passes? Some sell, some don’t and then the next step is to list with a price.

In a recent NZ Property report by Hannah Franklin*, she stated that display price listings overtook auctions as the most popular listing type. In April 32.9 % of properties were listed with a price as opposed to 19.2% for auctions.

Open homes or private viewing ?

Both of these options have merit, choosing either or a combination is really dependant on what best suits the property and the occupant.

Tenanted properties are usually best by open home or set times for viewing to be less disruptive to the tenant. Open homes do bring out buyers that think they aren’t puting anyone out by coming at a set time, they feel less pressure. Serious buyers want to be informed about your property.

Neighbours coming to open homes can be a bonus- they may not be in the market to buy, but they are sure to talk about your property to people they know and are interested in what happens. We like to invite them in.

Private viewings are a great opportunity to have discussions about the property feature and answer questions as they arise on a one-to-one basis.

When buyers enquire about one of our listings, we send an e-book with all the information we’ve collected about the property. So, when they view the property, they are well informed.

Whichever option you choose- what’s most important is that your salesperson is doing what is best for you and your property, not what fits their schedule. While you want a salesperson active in your market, you need one with time available to work best for you.

Working with other agencies- All salespeople should be sharing the listing with other agencies. Allowing other agencies to bring their buyers to your property is in your best interest and your salesperson has a fiduciary duty to work in your best interests. There is no extra cost to you as the vendor, but your salesperson will be sharing their commission. We’re happy to share any reciprocal arrangement.

Let us be your first choice in real estate, because “we put you first”

First National Te Awamutu opened its doors in 2017 wanting to provide the right amount of professionalism and care, because our clients don’t sell houses every day- it can be a very stressful process. As agents and salespeople, we have ongoing training to understand the Sale and Purchase documents and their implications. We study the market and sales statistics to understand house values.

Let our knowledge and understanding help you get the best outcome.

We

We pride ourselves on easing the process, being there for you from the first point of contact. It’s very important that our agency has the right culture of helping and supporting each other, so we can be best prepared to help and support you for a tailored real estate experience. We invest in our clients so you can focus on the next step.

Our values

• Respect and empathy

• Taking time to do it right

• Reducing the stress from the process

• Good old-fashioned honesty

• Providing the right Infor mation, so you can make an infor med decision. Let us be your first choice in real estate because we put

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

Here’s what to think about as you look to list your property.

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

Research is key

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

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

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

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

Honesty is the best policy

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

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

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

Delivering Exceptional Results

Living locally in the Hinuera Valley on their family dairy farm, Glenda and her husband Mark have loved the locality and raising their children within the area.

Glenda brings to her role many years of experience from living and working alongside her husband, Mark, as a dairy farmer, also having completed her National Certificate in Agribusiness Management during this time. Glenda has been selling lifestyle and residential properties for a few years and enjoys being of service to her community in her role at Bayleys Matamata.

Glenda was born and raised in South Africa and moved to Matamata in 1997. Her working

What ever your property needs, give

life has been varied, starting as a legal secretary doing conveyancing work, then working her way up to the role of a registrar within the Labor court system in South Africa. She then took up a position in an optometry firm, qualifying as a contact lens technician and subsequently as a dispensing optician, working in the optical field for 20 years.

Deciding on a change of career in 2006, qualifying as a real estate sales agent, and after a break away to raise her family, she re-licensed in real estate and joined the Bayleys brand. Her background as a Dispensing Optician and working experience as a registrar in the Labor court system enables her to approach her role with great empathy and attention to detail, delivering exceptional results to her vendors.

Stress-free finance

your preferred loan I’ll do the legwork to get it lodged, approved and settled.

I’m

I will be the bridge between you and the

I make the process of obtaining finance as smooth and stress-free as possible, by giving you the best advice, in language that’s simple and easy to understand.

I do the hard yards for you - the waiting, the data gathering, the calculating, the following up… I will be the bridge between you and the banks, finding the perfect solution that enables you to reach your goals and dreams. Once you’ve selected

I’ll be the trusted adviser you’ve always wished you’ve had on your team - not just once, but for a lifetime.

Together we’ll achieve things you never thought possible.

Unwavering drive

Meet Teri Ardern,

Teri Ardern brings a unique blend of skills and experience to the table. A mother of three from Hamilton, she not only understands the meaning of finding the perfect home to suit your lifestyle and family, but knows that might be getting that ‘feeling’, a school zone, great neighbours, or an era of home.

What sets Teri apart is her unwavering drive and focus honed through years in the fitness industry. Her determination translates seamlessly into her work as an agent, ensuring she goes above and beyond for her clients. Teri’s confidence is palpable, yet

she remains relatable, effortlessly connecting with her clients.

When working with Teri Ardern, you can trust her ability to connect and communicate effectively. An excellent listener who takes the time to understand your needs and preferences and is determined to make your real estate journey as seamless and stress-free as possible.

Her honesty and knowledge of the real estate market, sharp digital campaigns and extensive database enable her to provide you with sound advice and guide you toward making informed decisions to achieve results.

Not your ordinary agent, experience her exceptional service, strong work ethic, and genuine care for her clients. Contact Teri Ardern today and discover why she is the go-to real estate agent in Hamilton.

As a born and bred Hamiltonian, I live and breathe property and finance.

a busy mum to two boys with a business of helping people get into homes.

banks, finding the perfect solution that enables you to reach your goals and dreams.

passionate and driven-you can expect dedication, expertise and a personal touch that extends beyond the transaction.

Sher yl Hamilton

Experienced lifestyle and residential salesperson

outcome. That means the match between the seller, the salesperson and agency is incredibly critical.

She employs her excellent organisation, drive and multi-tasking skills to ensure she achieves her clients’ goals and surpasses their expectations. Sheryl combines a hard-working, honest and reliable approach with the powers of positivity and tenacity to go the extra mile and deliver exceptional results. Having lived in the Waikato for over 30 years, she can share with her clients all of the stunning lifestyle benefits the city and countryside offers.

As a seller, it’s important to understand what’s happening in terms of how buyers are shopping, what they’re buying, what stops them from making offers, what’s the best way to attract them to the front door and how an agent can coach both parties to a mutually successful

Your North Waikato Real Estate

With 16 years of industry experience working in the local market, you can trust Sheryl will guide you through the buying or selling process with skill and professionalism.

“Sheryl’s honesty, ease of communication and her willingness to help with any queries made the buying process easier.” (Buyer)

Get in touch with Sheryl to kick off your buying or selling journey today.

Sheryl Hamilton | EVES Huntly

027 270 2202

sheryl.hamilton@eves.co.nz

sherylhamilton.eves.co.nz

Eves invest heavily in time, energy and money into research and resources that provide their customers with a very tangible edge when they want to sell their property. They do that with 50 years of experience behind the team, great systems, vast networks employing high quality multimedia marketing mixes and great people, like Sheryl, who believe in good old-fashioned listening to their customers.

Eves started in the Bay of Plenty, and has been bringing clients the very best service since 1969. They’re dedicated to market-leading real estate and have the skills and expertise to get clients a successful result, whether that be in the buying or selling area.

For more information, flick Sheryl an email at sheryl.hamilton@eves.co.nz, or call her on 027 270 2202.

With branches across Whangarei, Waikato, Bay of Plenty and Tauranga, Eves Realty is there for you.

Eves Realty, North Waikato sales manager Sheryl, pours her vibrant passion and enthusiasm for life into helping every client reach their property potential.

Part of the community

Having had experience in both the ski and boating industry, which affords him a broad spectrum of contacts, Maurice set up Turangi Boat Storage in 1984 and still runs this business today.

His parents were one of the first milk vendors to service the Southern Lake Taupo area.

In 1974 Maurice’s father Jim started selling real estate and the Heappey name has been synonymous with real estate in the area since then.

Educated firstly in Turangi, Maurice is also a proud Old Boy of Huntley School, Marton and Palmerston North Boys’ High School. Maurice has retained and strengthened his relationships from this era and in fact, many of these families have owned holiday homes in the Southern Lake area.

Maurice is married, has an adult daughter and lives on an equestrian lifestyle property. An avid snow skier, road and mountain biker, he loves living in the Central Plateau as it is ideal to pursue these interests.

Maurice is brimming at the seams with solid advice, expert local knowledge and a sound understanding of all things property – from Commercial Investments through to Lifestyle Blocks and Businesses to Residential.

He looks forward to meeting existing and new customers and assisting them in the next stage of their real estate life.

www.ultimateproperties.co.nz/staff/jim-hasan

Jim comes from a strong sales background, and has been successfully selling Real Estate for the last 10 years, which has given him the confidence to deliver the best outcomes for his customers. He has a passion for helping people, building relationships, knowing the current market and achieving great results. Jim will provide you with the confidence you need to make your next real estate venture an outstanding success.

Licensed Real Estate Salesperson

Phone: 0800 735 550

Mobile: 022 480 7661

Email: jim@ultimateproperties.co.nz

Maurice’s family has been part of the Turangi Community since 1966.

Our whole team works for you

Invested in New Zealand

since 1996

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.

What we offer investors:

• Regular income – each quarter we distribute returns, or you can choose to have them reinvested.

• Mortgage-backed investment - risk is one of the highest concerns for investors. Our funds are backed by first mortgages with

relatively conservative loan to valuation ratios that can help provide peace of mind investing.

• Proven consistent returns - our conversative approach means we’ve been able to provide investors with consistent returns for 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.

Unlocking build-to-rent housing

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The property management specialists

Harcourts Hamilton Rentals was started in 2009 from a desire to change the way property management was done.

A focus on better communication and education for owners and work-life balance for the team were the key parts of the strategic direction of the business.

In the lowly regulated environment and with the kiwi DIY culture it was the norm for many property investors to self manage a contrast to the highly regulated Australian market of the time. So setting up a business that focused on getting the best returns for investors who chose to use professional services was key.

To do this the first focus had to be the team, making sure that the property to staff ratio was low, the team was taken care of and technology was used to streamline processes, freeing up staff time for the personal contact aspect of the job. People are the core of everything we do and people require time.

This is why we have two property managers per property so our owners, tenants and contractors always have someone to speak to who knows the property. With staff absences due to covid, this approach has proved its worth with an average arrears rate of under 0.2%, vacancy of under 1% and 2.4 days between tenancies over the last 2.5 years.

The Harcourts values of people first, doing the right thing, being courageous, fun and laughter are at the core of everything we do from dealing with owners, contractors and tenants. This has led to New Zealanders voting Harcourts as the most trusted real estate brand for the last 11 years.

Fast forward to now and we are working in a heavily legislated rental market No longer is the DIY approach going to work for people. You might get a good tenant and things run well but we see the other side when it didn’t go well and the person wasn’t equipped with the knowledge to deal with it.

We are now in an era where professional property management is a must if you want to get the return your investment property should be giving you, saving a few dollars a week to do it yourself could cost you thousands in the long run.

At Hamilton rentals, the team consistently focuses on being 1% better every day which has led to them winning the number one team in the Harcourts group for both regional and national awards. When service is your focus, everything else in the business must align to steer towards that goal.

To find out how you can maximise the return on your investment, contact our qualified team today.

you, saving a few dollars a week to do it yourself could cost you thousands in the long run.

We are now in an era where professional property management is a must if you want to get the return your investment property should be giving

MFT TAXIS

My Favorite Taxis Ltd

AVAILABLE TRAVEL

Local Services

Cab services to doctors, medical or health appointments, local shopping, super markets, banks, post office & more!

Rural Services

Taxis for town pickups and delivery. We will travel to Pirongia, Otorohanga, Waitomo, Cambridge, Hamilton, Morrinsville, Matamata & Rotorua . Hamilton or Auckland Airport also.

OPERATING HOURS

Mon 07:30 am – 10:00 pm

Tue 07:30 am – 10:00 pm

Wed 07:30 am – 01:00 am

Thu 07:30 am – 01:00 am

Fri 07:30 am – 03:30 am

Sat 10:00 am – 03:30 am

Sun By Appointment

Total Mobility Cards Accepted Eftpos Available Vendor for ACC

From 1 person up to 6 passengers, the fare remains the same. So travel economical, share the fare with friends.

admin@mftaxis.co.nz

07 870 1332

www.mftaxis.co.nz

ANY LIFT ANYWHERE ANY TIME

Waikato Cranes opened in 1970. With over 40 years’ experience, Waikato Cranes services the wider Waikato region including the Coromandel Peninsula. Providing responsive crane hire services to diverse clients in the region, Waikato Cranes has become the go-to crane hire provider for manufacturing, building and farming clients.

Guaranteed expertise

Kiwitown Electrical has been fortunate to be involved in several exciting projects, currently working as part of the exciting Otorohanga Kiwi House expansion project, as well as managing a refurb of the local bar, The Thirsty Weta. The growth over the region has meant we have been involved in many residential new builds and refurbs.

As a King Country based company, we work closely with our local farmers, priding ourselves on the reliability, responsiveness, and quality of work for new build sheds, rebuilds and workshops. Kiwitown Electrical offer competitive rates with discounts for Super Gold card holders and specials on lighting, wiring and more.

Our friendly staff love working in the community and are respectful of all covid protocols across all work areas.

A little-known fact about Kiwitown Electrical Services is the ‘maintenance check’ we can provide. If you’ve got tenants moving out of the rental property, new workers moving into the farm house, or just want to be sure that everything is working in commercial, dairy, workshops and residential, Kiwitown Electrical can provide a report on all things electrical, providing recommendations for maintenance, wiring checks, and tips for savings.

It’s easy to book a job in with Kiwitown Electrical, using your phone or tablet camera, scan the QR code and follow the link to book online. You will link to a simple online form and can carry on your day knowing that the team will be in touch to confirm the time. You’ll receive a confirmation text which is sent out for you to select the time and day of the appointment.

Daniel and the team at Kiwitown Electrical are proud to provide quality service, done once, done right in the Waikato region.

With over 30 years’ experience across commercial, residential, and rural, Kiwitown Electrical can provide all round knowledge and expertise for your residential, rural, project or commercial. As a Registered Master Electrician, we guarantee our work.

Celebrating Life - Your Way

We believe that each funeral service should be as unique as the life you are celebrating.

When a funeral is personalised, it creates a special space for sharing precious memories, telling stories, and simply being together with friends and family.

Grinter’s Funeral Home are dedicated to providing personalised and meaningful funeral services.

Grinter’s Funeral Home proudly serving the people of Cambridge, Hamilton, and the surrounding areas.

Making a final farewell affordable

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:

Cremation vs burial

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.

Casket choice

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.

Professional services fee

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.

Other places to reduce costs

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.

Ask for an estimate up front

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.

A beautiful, tranquil space

James R Hill Funeral Directors, a wellrespected funeral service provider in Hamilton, is making a significant move from its current premises in Claudelands to a newly refurbished former church building in Tuhikaramea Road, Dinsdale.

This new location will offer a beautiful, tranquil space for families to say their final farewells to their loved ones.

The former church building is being meticulously restored to create a warm and welcoming environment. The spacious chapel will accommodate larger gatherings, with state-of-the-art audio visual and livestreaming technology. The building’s multiple rooms will allow for flexibility in funeral arrangements, whether it be a traditional funeral service or a more contemporary approach.

The move will allow James R Hill Funeral Directors to expand their services, with the inclusion of extensive catering facilities,

arrangement lounges, and modern viewing rooms to allow families to spend time with their loved ones before the funeral.

The new location will provide ample parking and is conveniently situated close to public transport, ensuring accessibility for all. With nearly 60 years experience in providing compassionate funeral services for Hamilton families, James R Hill Funeral Directors’ commitment to excellence and care for their clients will continue in their new location.

Check out the website for more information regarding its services, arranging a funeral, preplanning, and more: jamesrhill.co.nz

Interested in getting in touch?

Contact James R Hill Funeral Directors any time either via phone at 07 855 5541, email staff@jamesrhill.co.nz, fill out an online enquiry, or alternatively, head to 717 Grey Street, Claudelands, Hamilton.

Phone calls are recorded for training purposes and to ensure quality service.

Stories from the past weave us into the bigger picture

Our unique experiences shape us into the people we are. Do your family and friends know the stories from your past? If not, when we die, these stories can be lost to the people who love us the most.

Taking the time to record your stories and your wishes for your funeral can really help your family during a painful time of loss.

Can I plan my own funeral?

Yes, this can really help your family when the time comes! You can download an information pack from our website to get some ideas and you can record your wishes here. Alternatively, you can phone one of funeral directors, they will talk you through all your options.

Why even have a funeral?

This is a question that we get asked a lot. A good funeral not only gives us the opportunity to express our love, our grief, our support and to share our memories, but also helps us begin to come to terms with our loss. While a funeral can be a very a sad occasion, it can also be a true celebration of a life well lived.

What makes Fountains Funerals special?

The high standard of service that Fountains is known for is down to our team of funeral directors. Wendy, Rav, Ross, Brett, and Ben bring their own unique experiences, personalities and expertise to their roles. While they are all dedicated, professional individuals, it is their compassion and care for families that make them so good at what they do. They care for people in the way they would like their own loved ones to be cared for.

At Fountains, we do not take a “one size fits all” approach to funerals, but help the families we care for to say goodbye to their loved one in a meaningful way. We are all unique individuals and each of our lives is like a tapestry into which the lives of the people we have touched are woven, so it makes sense to say goodbye in a way that is as special and unique as we are. Our team will really listen to you, give you the guidance and advice you need and take care of all the details.

Where should a funeral be held?

A funeral can be held anywhere - in a chapel or a church, in a private home or garden, on a beautiful beach, in clubrooms or a hall, anywhere, in fact, that has been a special part of a persons’ life. It doesn’t even have to be during daytime – a twilight ceremony with an array of glowing candles is amazing! We have a beautiful chapel with a capacity for 200 at our Papakura branch and our new-renovated classic bungalow in Pukekohe is perfect for more intimate farewells.

We are always happy to talk things through and answer any questions you may have, so give us a call at any time.

35 Wood Street, Papakura

Ph 09 298 2957

93 Edinburgh Street, Pukekohe

Ph 09 238 2221

www.fountainsfunerals.co.nz

We are all unique individuals and each of our lives is like a tapestry into which the lives of the people we have touched are woven, so it makes sense to say goodbye in a way that is as special and unique as we are.

Celebrate a life well lived

The team at Valley Funeral Services offer four packages to make the process simple:

• Direct Cremation

• Viewing before Direct Cremation

• Whanau Care

Funeral director Desmond has worked in the funeral profession on and off over the years in various capacities within the funeral industry. He advocates for a modern approach and encourages families to participate and be involved in the planning of funeral services.

Multi-talented Christine is an embalmer and funeral director. She comes from a social services background, having worked in the community services sector for over 20 years. In 2003, Christine became an associate with the funeral industry and, in 2015, decided to work within the funeral industry.

Valley Funeral Services understand that a meaningful farewell not only provides value, but it is an essential part of healthy grieving. The importance of preplanning your final farewell allows your loved ones to celebrate a life well lived, without worrying about having to make difficult choices during an emotional time.

• Bespoke Funeral Service

A bespoke funeral service means clients can choose services tailored to their needs. This could include but is not limited to: the casket of choice, cremation or burial, catering or streaming the service online.

Their services are available in the Hauraki and Thames Coromandel Districts and are available for assistance 24 hours.

Desmond and Christine are happy to answer any questions and can provide you with links, advice on grief and healing, and a will-kit guide.

0800 862 6362 valleyfunerals@outlook.com. www.valleyfuneralservice.com.

Kindness, compassion &expertise

We want to take the worry away from you by caring and doing as much as you want us to do.

We will be sensitive in helping you create a funeral service that will be meaningful and reflect what your loved one meant to you.

We need to treasure our own beliefs and values, but also move with the times, create and embrace new ideas, and keep up with a changing generation.

Be assured that we are a funeral home with real people. We will listen to your needs, creating a personal service tailored to your requirements. We will be there to help and guide you.

You will have access to our modern facilities such as a modern funeral home with comprehensive facilities and on-site parking.

You also have access to:

• Funeral ceremonies arranged at your church, our chapel, your home or an alternative venue of your choice.

• Funeral services to reflect the individual wishes and needs of each family.

• Sensitivity to specific ethnic needs, customs and beliefs.

• Personalised service sheets with high quality photo imaging.

• Modern and traditional casket selection (including eco-friendly).

Haven Funeral Services

Haven Funeral Services is owned and operated by Bryce and Carla Mounsey. Bryce has over 25 years experience in the funeral and monumental fields.

Our Name... “Haven” ...A place of Rest ...A place of Solace ... A place of Shelter

We offer full and comprehensive professional services. Our experienced funeral directors are able to co-ordinate all necessary arrangements and tailor a funeral to alleviate the more stressful aspects of losing a loved one.

We understand that a funeral provides a final opportunity to express your love and respect for a loved one. When handled with sensitivity and compassion, it provides not only the chance to grieve a loss, but also the opportunity to celebrate a life.

Our services can be tailored to meet your requirements, creating a lasting tribute which will not only reflect the life your loved one has lived, but also acknowledge and encompass their personal, ethnic and spiritual beliefs.

Conveniently located in the centre of the North Waikato District between the cities of Hamilton and Auckland. We service such areas as Huntly, Te Kauwhata, Taupiri, Ngaruawahia, Hamilton and the many small rural communities throughout the region. Our purpose built premises encompass a funeral home, mortuary, chapel and memorial showroom.

We are dedicated to offering affordability without compromising excellence. Please enquire for a no obligation cost estimate.

• Introduction to funeral celebrants.

• Full on-site embalming service.

• Visual and audio recording of funeral services.

• Full catering and waitressing choices available.

• Ashes interments and ordering of memorial plaques and personalised thank you cards.

• Computer/photo show presentations can be displayed in our chapel during the funeral service.

• Educational seminars for community groups and schools.

• Live feed over the internet (Web Streaming)

For kindness, compassion and expertise, don’t hesitate to reach out to the Seddon Park Funeral Home team. You can call them on 07 846 1561 or email them on seddonpark@seddonpark.co.nz. Or, you can pop in and view the home at 49 Seddon Road, Frankton, Hamilton.

It’s a genuine comfort at your time of loss.

The most fitting tribute

Owned and operated by Nathan Martin, Taupõ Monumental creates customised memorial headstones and plaques.

Since opening its doors in 1979, the firm has earned respect for its perception and craft in the Taupō district as well as in the wider communities the business serves.

Nathan had an early introduction to the monumental mason business. At 14 his stepfather passed away. When Nathan and his mum visited a Hamilton monumental company to arrange his memorial, the owner took an immediate liking to young Nathan. He soon offered him an after school job cleaning memorials in the cemetery.

Fast forward to 2015, wherein Nathan was offered the chance to purchase Taupō Monumental. Unsurprisingly, he seized the opportunity to take on this well-established business.

Located in the central North Island, Taupō Monumental can deliver and, using a network of trusted sister companies, install memorials throughout New Zealand and on request, to the Pacific Islands.

We are specialists in memorial work and offer a wide range of styles from traditional memorials and plaques to bespoke one-off creations. It can be an emotional and sensitive time; we understand this.

With your loved ones in mind, Taupo Monumental work with you and your budget to create the most fitting tribute.

Taupō Monumental services the following areas: Taupō, Mangakino, Turangi, Taihape, Waiouru, Tokoroa, Putaruru, Tirau, Taumarunui, Te Kuiti, Napier, Hastings, Reporoa and Rotorua.

Qualified craftsman Monumental Mason offering:

• Customised memorials, plaques & headstones

• Lead lettering

• Decorative sandblasted glass

• Stained glass

• Natural stone specialist

• Granite, marble and sandstone

• Wide range of styles and colours – traditional or new innovative designs

• Expert advice and personalised friendly service

• Competitive pricing

• Extensive knowledge of the monument industry.

Celebrating Life - Your Way

When a funeral is personalised, it creates a special space for sharing precious memories, telling stories, and simply being together with friends and family.

Grinter’s Funeral Home are dedicated to providing personalised and meaningful funeral services, and offer a pre-plan option, lessening the responsibilities for your family at a difficult time. You might also like to consider pre-paying for your funeral, lessening the stress on your family at a difficult time, and ensuring your wishes are

respected. A pre-paid funeral is excluded from asset testing and held independently by a third party.

Make your funeral preferences clear by calling to requesta copy of our PreArrangement form to complete or discuss pre-paying your funeral.

We believe that each funeral service should be as unique as the life you are celebrating.

Celebrate the life of your loved one in the way they would have loved.

Our approach is professional and refreshing, based on family values, and is reflected through our people, facilities and service. We will walk this whole path with you, from receiving your first call, to the headstone or plaque and beyond.

If required, we will assist in arranging a celebrant, newspaper notice, flowers... whatever will help you. We believe you should leave feeling you have a friend who will be with you the whole way through.

At Seddon Park Funeral Home we’ve been proudly celebrating life with you for over 25 years.