Booking a winter escape? Make sure you lock in your travel insurance as soon as you book your tickets.Your policy covers you from the day it starts until the end of your trip so the earlier, the better.Why Travel Insurance Matters: Medical Claims in 2024New data from Cover-More Travel Insurance shows that New Zealand travellers could face serious financial consequences if medical emergencies arise overseas.In their review of top travel insurance claims for 2024, Cover-More revealed that the largest payouts were all for medical-related issues. The biggest claim—nearly $1 million—came from treatment in the United States. Other six-figure claims occurred in Nepal, Singapore, Canada, Japan, and the UK.Will Ashcroft, Cover-More New Zealand Managing Director, said that while the US remains the most expensive destination for medical treatment, other countries are now contributing to high-cost claims.“The US continues to dominate as the most expensive destination for medical emergencies, but the appearance of these other destinations underscores the importance of medical cover, regardless of where you're going.”Medical issues made up about 40% of all Cover-More claims in 2024. Common problems included pneumonia, broken bones, foodborne illness, altitude sickness, cellulitis, and severe viral infections. Even minor illnesses like a cold sometimes led to serious hospitalisation.Other Insurers Report Similar TrendsTravel Insurance also reported significant payouts in 2024 for medical emergencies, cancellations, and lost property. CEO Jo McCauley highlighted that surgeries and air ambulance transfers were among the most complex and expensive cases.“We’ve had flus, respiratory illnesses, and many falls, but our top claims involved complex medical issues. These situations are distressing and extremely costly. Most people couldn’t afford the care we’ve covered.”Southern Cross Travel Insurance (SCTI) also noted recurring claims in 2024 for illness, accidents, and even unusual events such as animal-related injuries in Asia.Travellers Still Wary of CostDespite the risks, price remains a key reason some travellers choose to go uninsured. The Kantar Travel Insurance Market Monitor, conducted in late 2023, found that cost was still the leading factor in this decision.Ashcroft noted that while the average travel insurance premium in 2024 was $317, the highest medical claim surpassed $900,000.Importance of Choosing Policies That Address Specific Health NeedsTalk with your broker to get help choosing the best travel insurance policy for your specific health needs. If medical cover is a concern, this could mean paying a slightly higher premium for a more comprehensive policy or paying extra to cover existing medical conditions.When travelling to countries known for particularly high medical costs, insurance premiums may also be higher but this generally reflects the level of risk.Insurers also recommend that travellers stay vigilant, practice good hygiene, and ensure their policy suits both their destination and planned activities.

ecent changes to New Zealand’s Equal Pay legislation have sent a strong signal: relying on government action alone is no longer enough to close the gender pay gap.Employers must lead the way.Change starts within organisations, driven by business leaders ready to take responsibility. This is your opportunity to ask: Are you ready to stand up and say “Fair Pay” with pride?Fair pay isn’t just about compliance. It’s a strategic advantage that strengthens workplace culture, helps attract and retain top talent, and builds lasting trust with your team.Leading by Example: What Does Fair Pay Look Like?1. Conduct proactive pay auditsDon’t wait until legislation forces your hand. Regularly review pay structures, identify disparities, and make adjustments. Be transparent about what you find—this builds credibility.2. Start conversations about payCreating a culture of pay transparency helps normalise the discussion. Use initiatives like the government’s Mind the Gap to guide your efforts. Their pay gap registry features organisations committed to reporting and improving pay equity.3. Promote your valuesShowcase your “No Gender Pay Gap” stance in your employer branding. Consider joining the Mind the Gap Registry as a public declaration of your commitment to fair pay and equity.4. Support others and lead industry changeLead industry-wide change. Celebrate businesses taking action, share your own journey, and collaborate to create systemic change. A collective approach drives faster progress.While recent legislative changes may have limited some legal pathways to achieving pay equity, they also serve as a catalyst for a different approach: courageous, values-led leadership. Organisations that prioritise fairness and transparency are not only doing the right thing — they’re also positioning themselves for long-term success. Fair Pay Leads to Business SuccessWhen women and other underrepresented groups feel valued and paid fairly, they’re more engaged, more loyal, and more likely to thrive in your organisation. This improves retention, boosts innovation, and builds a stronger, more sustainable business.This isn’t merely about compliance — it’s about cultivating a culture of fairness that becomes embedded in your organisation’s identity. It’s your legacy in the making. Will Your Business Say “Fair Pay Starts Here”?Now is the time to take action. Be a leader in fair pay—not just because it’s the right thing to do, but because it’s good business.Whether you’re starting or scaling your commitment, EASI NZ is here to help.Learn more at mindthegap.nz/just-ask or get in touch to embed fair pay in your organisation’s culture.

If you’re watching the property market closely, one thing is clear: velocity is here today. The pace of change is already shaping Central Otago’s real estate landscape, and it’s moving faster than many expected.In a world of instant news and quick takes, it’s worth pausing for perspective. Yes, markets react quickly, and headlines can be loud, but the real story lies in what’s sustained, not what’s shouted. So let’s dig into what’s really happening beneath the surface.A Quiet Confidence in Rural and Regional StrengthWhile bigger cities have felt the pinch in recent months, Central Otago remains steady and, in some cases, quietly thriving. Farming hasn’t been affected by the property slowdowns seen elsewhere, with rural confidence remaining intact. Horticulture is having a good run too, with grapes, apples, and cherries reporting strong seasons. In fact, some farms have seen growth of 40 to 50 percent. It’s a good reminder: this region doesn’t ride the same wave as the metros. It has its own rhythm, and right now, that rhythm is strong.Momentum is Building and Buyers are ComingIn just the last two months, buyer interest has doubled, especially from semi-retirees, remote workers, and international investors. Many are drawn to the lifestyle, and with good reason. The bike trails, scenery, and settled autumn weather make Central Otago feel like a permanent holiday. And when something feels like home and holiday rolled into one? That’s when people stay.Major Developments on the HorizonThis year alone, we’ll see five new residential developments launched across Central Otago, not including the ongoing growth around The Lakes. Cromwell, in particular, is buzzing. Its industrial area is expanding rapidly, with national suppliers moving in and turning it into a key commercial hub between Queenstown and Dunedin. The completion of the Roxburgh Gorge Trail and the growing connectivity from Cromwell to Queenstown only adds fuel to this momentum. Cromwell is quite literally in the middle of it all, and that’s attracting buyers and businesses alike.Infrastructure, Investment and a Fast-Tracked FutureBehind the scenes, infrastructure is quietly evolving. One upcoming mine project drew over 800 applicants, a clear sign of how resource and energy sectors are contributing to local growth. Allied industries—diesel, supply chain, and trades—are also on the rise. With a winter economic update on the way and signals of fast-tracked government investment, there’s reason to expect even more movement in the months ahead, especially in the rental market.Tourism is Back and So is SpendingAfter the high domestic numbers during COVID, international tourism is climbing again. For local businesses, that’s a big deal. More visitors means more spend, not just on activities, but on real estate, rentals, and land. And as Central Otago’s trails, lakes, and hospitality offerings grow, so does the case for putting down roots here.Final Word: Stay Grounded, Stay ReadyChange is moving fast, but that doesn’t mean it’s unpredictable. With more developments coming, infrastructure catching up, and tourism revving up again, Central Otago isn’t just holding steady—it’s accelerating. So if you're thinking about buying, selling, investing, or just watching, keep your eyes on what’s building, not just what’s buzzing.

Most of us don’t love feeling like we’re being “sold to,” and chances are your customers don’t either. But if you’re running a business, you still need to let people know what you offer and why it matters. The key is to connect with them in a way that feels real and helpful, not pushy.Here are a few simple but effective ways to do just that:Talk About the Problem FirstRather than diving straight into what you do, start by showing you understand what people are struggling with. What’s annoying them, costing them time, or stopping them from getting ahead? Once you’ve shown you get it, you can explain how your product or service fits in as a genuine solution. People are more likely to trust you if they feel you’re on their side, not just chasing a sale. And if you’ve helped others in a similar situation, share that too. Real stories go a long way.Let Your Customers Do the TalkingPeople trust other people far more than they trust brands. So if you’ve got happy customers, let their words and experiences take centre stage. Online reviews, testimonials, or even a quick quote can build more credibility than a slick sales line ever could. Social proof isn’t about bragging, it’s about helping others feel confident they’re making a good decision.Make It PersonalNobody wants to feel like just another number. Tailor your messages when you can. Whether you’re running a campaign, sending an email, or posting on socials. Think about who you’re speaking to and what matters to them. When your content speaks to their situation, people are more likely to stop, read, and connect.Share What You KnowYou don’t need to save all your best knowledge for paying customers. If you’ve got tips, insights, or ways of working that could genuinely help someone, share them. People will appreciate the openness, and it shows you know your stuff. Over time, this kind of honest, helpful content builds trust and trust leads to sales.Stick in People’s MindsSometimes the simplest ideas are the ones people remember. Try to get clear on what makes you different and explain it in a way that’s easy to understand. Avoid overthinking it. Just say what you do, who it’s for, and how it helps. If you can say it in a way that sticks, even better.Shift the FocusIf your content is all about “we do this” and “we’re great at that,” it might be time for a shift. Put the focus back on your customers – their needs, goals, and experiences. It’s not about you; it’s about how you can make life easier or better for them. This shift in focus often makes people feel like you actually care, not just trying to make a quick sale.Start with ValueBefore you ask for anything (whether it’s time, money, or attention) think about what you can give. Share helpful info, answer a common question, or offer a free resource. It shows you’re here to help, not just to sell. If people get value from you early on, they’re more likely to stick around and want more.

Buying a house in Central Otago isn’t just a financial decision — it’s a lifestyle one. Whether you're settling in Alexandra, eyeing a section in Cromwell, or upgrading to a lifestyle block near Omakau, purchasing property here comes with its own unique quirks.In a fast-paced and competitive market like ours, it’s more important than ever to get solid legal advice right from the get-go.Get legal advice before you sign anythingEven if it’s “just a conditional offer,” always check in with your lawyer before signing any Agreement for Sale and Purchase.You’d be surprised how many buyers skip this crucial step and get caught out later.If you're buying at auction or making an unconditional offer, it's even more vital — once your name is on the dotted line, you're committed.We’ve seen enough local deals go sideways to know that reviewing the agreement upfront can save you a mountain of stress (and cost) down the line.What conditions should you include?If you're making a conditional offer, your lawyer will help you include smart conditions to protect your interests, such as:Finance approval (especially if you're working with a bank or mortgage broker)A building inspection, to check for hidden problems like dampness or poor workmanshipA LIM report, so you know what the Council knows about the propertyDue diligence, giving you time to review title issues, insurance, zoning or even sun hours!These clauses are your safety net — they give you time to make sure the home fits your needs and doesn't come with any nasty surprises.Understanding the title and what comes with itEvery property in Central Otago comes with its own history — and that includes legal baggage.Our property lawyers will review the record of title and check for:Easements (e.g. shared driveways or accessways across neighbouring land)Land covenants, which can limit things like what you build or even what colour you paint your homeConsent notices, especially common on newer subdivisions, requiring you to follow Council-imposed rulesCross-lease or unit titles, which come with extra documents and legal responsibilitiesIf you’re buying a unit in Cromwell, or considering a home in an older subdivision in Clyde, these details can make or break the deal. We’ll walk you through the fine print so nothing’s left to chance.Using KiwiSaver for your first home? We’ve got you coveredIf you’re a first home buyer (and good on you — it’s a big step), you might be eligible to use your KiwiSaver funds toward your deposit or final settlement.We’ll guide you through the process and liaise with your provider to make sure everything is squared away on time.Avoiding local pitfalls: know what to watch forIt’s not just about ticking boxes — it's about knowing what can go wrong, especially here in Central Otago. We regularly help clients steer clear of issues like:Unconsented building work, which can delay settlement or require expensive fixesBoundary issues (common in older Alexandra properties)Vague or outdated easements, which can lead to future disputes with neighboursDefective cross-leases or incorrect flats plans, which may affect finance and insuranceBy involving your lawyer early, you avoid last-minute headaches and ensure you’re buying what you think you’re buying.Local lawyers who know Central Otago inside outAt Checketts McKay Law, our team has walked thousands of locals through the property buying process. We understand the local Council rules, the quirks of Otago land titles, and even the seasonal pressures of the market.Whether you’re buying:a house in Alexandra close to the Rail Trail,a new build in Clyde,or a rural lifestyle block around Earnscleugh or Chatto Creek,We're here to give you straightforward, friendly legal support that makes the process less stressful and more successful.

Investing in the share market is an integral and essential part of any long-term investment strategy, but it can feel like a roller coaster ride. While market volatility is inevitable and the very reason professional investors invest, there are strategies you can use to navigate these fluctuations and stay on track with your financial goal1. Stay the Course One of the most important principles of investing is to stick with your plan. Market downturns can be unsettling, but reacting impulsively to short-term market movements can be detrimental to your long-term financial health and put your ideal future at risk.Historical data shows that, without exception, markets recover over time, and those who remain invested are rewarded. Remember, you are investing in businesses that make up the market, and those businesses generate long-term profits and growth for shareholders, regardless of what the market does in the short term.For every seller, there is a willing buyer at the other end of the transaction. Market dips are opportunities for professional investors to take advantage of short-term volatility to enhance your longer-term goals and your ideal future.2. Rebalance Your PortfolioProfessional investors regularly rebalance your portfolio for you. Rebalancing involves selling assets that have performed well and buying those that have underperformed, to restore your portfolio to its target allocation.Think of this like stocking up on items you need that are on special at the supermarket. Another key point is that professional investors can also put items back on the shelf that no longer fit with your plans.Disciplined rebalancing is an opportunity to ensure your investment strategy continues to support your long-term goals and helps you live your ideal future.3. Focus on What You Can Control You cannot control market movements, but you can control how you react. Day-to-day market changes have little impact on a well-structured, long-term plan. This includes maintaining a disciplined savings plan and staying informed about how your investments contribute to your ideal future.Avoid making long-term investment decisions based solely on short-term news.Investing is a long-term journey that requires a clear strategy, patience and discipline. Focus on what you can control. Stay calm through the ups and downs of the markets, knowing that these present opportunities to help you achieve your long-term goals and support the life you want to live.

One farmer’s story of a bumpy day and how he kept the wheels turning.Accidents on the farm are never ideal, but they’re often inevitable. With deadlines to hit, stock to manage, and paddocks that don’t plough themselves, there’s never a good time for your gear to be out of action.Toby knows this all too well. One evening, after a full day’s work, he parked up his tractor and trailer, only for a mate’s truck to back into them. The force of the hit jolted the trailer forward into the tractor, smashing the PTO and leaving the whole setup unusable.There’s not a lot of time for stress on a farm, but in that moment, Toby was stuck. Tractors aren’t exactly something you can do without when things are moving fast. Replacements are pricey. Payments take time. And nobody’s got hours to waste.Luckily, Toby’s story didn’t stop there. His policy included something called a Loss of Use Benefit, basically, cover that kicks in when your vehicle can’t be used, even if it wasn’t your fault. He was able to hire a tractor straight away, get back to work, and then recover the cost through his insurance.These kinds of policies don’t just cover crashes. They’re designed to reduce downtime because for farmers, standing still isn’t an option.This particular claim is real, though we’ve changed a few details to protect the people involved.Every year, around 30% of farm commercial motor vehicles are claimed on, and the average cost for non-windscreen damage sits at about $5850.While most people think of these policies as protection for big crashes, the benefits stretch much further—helping farmers stay productive even when things go off track.Some of those added protections can include:Cover for borrowed vehiclesRental vehicle costsTyre damageEntanglement cover (think PTOs and wire fences)Worth having a yarn with your broker about what’s in your current policy? Could save you a major headache down the track.

As we continue to advance into 2025, one trend stands out prominently: the conversation around generational differences in the workplace is shifting. Instead of focusing on age or background, the emphasis must be on hiring the right candidate based on their skills, values, qualifications and experience. While skills can be taught, trained or learned, instilling values and achieving cultural fit is considerably more challenging. Therefore, developing a measurable scoring system during recruitment can be a transformative approach.Creating a Measurable Scoring SystemMany hiring managers may wonder “How can we implement a scoring system without it feeling arbitrary?” The answer lies in its ability to streamline the hiring process by cutting through disagreements and guiding decision-making. A structured scoring system ensures alignment among hiring teams by providing a clear framework for evaluating candidates.To create a scoring system, begin by identifying key competencies that are vital for the role. For instance, if team-building skills are essential, you might consider asking prospective candidates: “Can you share an example of how you brought a team together to overcome a challenge? What actions did you take, and what was the result?”You can develop a scoring scale from 1 to 5, where 5 signifies the best possible response. A candidate who responds with, “I conduct regular team meetings,” could earn a score of 2 or 3; while it shows initiative, it may not comprehensively address the question. Conversely, a strong answer might be: “I spent time understanding each team member, observed the group dynamics, and sought their input before crafting a plan. Initially difficult, this process built trust and facilitated honest feedback, allowing us to improve collaboration and communication, ultimately leading to enhanced efficiency and profitability.” This response could receive a score of 5.Implementing this structured approach ensures the scores generated are substantive and relevant, helping to clarify who would best integrate into your team.The Importance of Reference ChecksWhile interviews are vital in the hiring process, they do not provide the complete picture. Reference checks are just as crucial; they can either reinforce your choice or raise potential concerns. These checks offer additional insights into a candidate’s previous performance, work ethic, and collaborative abilities. In many cases, reference checks might be the final puzzle piece that helps solidify your hiring decision.Valuing All Ages and ExperiencesIt is imperative to recognise the value that diverse experiences bring to the workplace. Age should never be a barrier to employment. Whether a candidate is just entering the job market or brings a wealth of industry experience, each individual contributes unique perspectives, knowledge, and potential mentorship. A workplace that values diversity across ages cultivates a mix of innovation and wisdom, leading to a stronger, more cohesive team.Partner with EASI NZ for Effective RecruitmentNavigating the hiring process can sometimes feel overwhelming, especially if you're new to it. At EASI NZ, we understand the intricacies of recruitment, and we are here to support you every step of the way. From creating tailored interview guides and conducting comprehensive reference checks to crafting engaging job advertisements, we have the tools and expertise to assist you in attracting the best candidates.Additionally, we offer regular workshops focused on Recruitment and Onboarding, encompassing the entire hiring process. Our mission is to help businesses thrive by aligning their recruitment strategies with company values, ensuring new hires not only possess the necessary qualifications but also align seamlessly with your team culture.Don't hesitate to reach out for a free, friendly chat and discover how EASI NZ can support you in making informed hiring decisions that will benefit your business. Together, we can build teams that excel, fostering a positive workplace culture while driving your business forward.By following this comprehensive approach to recruitment, you're more than just filling positions—you're building a foundation for long-term success. Let EASI NZ be your partner in cultivating a thriving workforce that embodies skill, values, and the right fit.

Both Tenants and Landlords in Central Otago need to be aware of what can and cannot be included in a residential Tenancy Agreement. The Residential Tenancies Act 1986 (”Act”) sets out the rights and obligations for both parties, and it is not always possible to get out of these. If a clause contradicts the Act, that clause is likely to be unenforceable. In some cases, including such a clause could be an unlawful act resulting in a fine. When is a clause unenforceable?Despite what a residential Tenancy Agreement states, a Landlord cannot set rules beyond the law, a Tenant cannot sign away their legal rights, and the Act cannot be evaded. If a clause attempts to do so, it is unenforceable. An unenforceable clause has no legal effect, even if both parties have agreed to it. Common unenforceable clauses Professional cleaning requirementsThis most commonly involves cleaning clauses. Under the Act, Tenants must keep the property reasonably clean and tidy. A clause requiring Tenants to have carpets professionally cleaned at the end of the tenancy is unenforceable, as it imposes an obligation beyond the Tenant’s legal duty. Usually, a thorough vacuuming and spot clean is enough to reach this standard. If the carpets are visibly dirty or stained, a professional clean may be necessary, but it cannot be required as a condition of the tenancy. Restrictions on Noise and Parties Loud music and parties are common sources of tension in rental properties. Tenants have the right to quiet enjoyment of the property, meaning they have the right to the full use and benefit of the property. A Landlord must not interfere with a Tenant’s reasonable peace, comfort, or privacy. At the same time, Tenants must not interfere with the reasonable peace, comfort, or privacy of others in the neighbourhood. A clause that outright bans parties is unenforceable, as it unfairly limits a Tenant’s right to enjoy the property. However, Tenants who breach their obligations under the Act could face consequences. The Tenancy Tribunal has found Tenants who play excessively loud music late at night, or host parties for extended periods, to be in breach of their responsibilities. Notice Periods Notice periods for ending a tenancy are set by law. For example, a recent law change allows a Landlord to end a periodic tenancy without reason by providing 90 days’ notice. A clause allowing a Landlord to give less notice than required by the Act is unenforceable. This is true even if the Landlord and Tenant reach a ‘win-win’ deal, such as the Tenant paying reduced rent in exchange for the Landlord being able to terminate the tenancy with 30 days’ notice. Summary Tenancy Agreements must comply with the Act, and clauses that contradict the Act are unenforceable. Including such clauses can create confusion, disputes, and even legal consequences. To avoid unnecessary stress or potential fines, Landlords should ensure their Tenancy Agreements align with the law, and Tenants should be aware of their rights. Checketts McKay Law’s team of tenancy law specialists can assist Landlords and Tenants in navigating Tenancy Agreements and ensuring compliance with the Act. This article offers an overview of one aspect of tenancy law and is not intended as legal advice.

I’m sure someone (usually meaning well) has told you that your car insurance won’t cover you if you have an accident while wearing jandals.This isn’t necessarily the case. Insurers can decline claims for several reasons, such as drink driving, texting while driving, or driving recklessly. While your jandals may not help with vehicle control if something goes wrong, they wouldn’t be the sole reason for an accident.While it’s not illegal to wear jandals on a motorbike or scooter, they don’t provide much support or protection. It’s worth considering sturdier footwear for safety.What Happens If I Hit a Rock on the Cromwell Gorge?Hopefully, not much. Many of the rocks seem to shatter on impact, but you should pull over as soon as it is safe and check your car.Inspect your wheels - modern low-profile tyres can be easily damaged.Look underneath your car - is there any obvious damage? Is there fluid leaking?If you notice damage or leaks, do not attempt to drive on. Call your insurance broker (or insurer), and they will help arrange for your car to be picked up and transported to a tyre and mechanical workshop for assessment and repair.Be safe at all times. Never stand on the road.Hopefully, the ongoing works in the area will help reduce the number of loose rocks.Keep an Eye on Your Tyre TreadJust because your car passed its Warrant of Fitness (WoF) in the last 6 -12 months doesn’t mean your tyres are still roadworthy. If your tread is below the legal minimum or your tyres are smooth, your car may not be considered roadworthy, which could invalidate your insurance policy and attract police attention.Most tyre retailers are happy to check your tread with little notice, so it’s worth getting it looked at.Inexperienced Drivers & Licence RestrictionsIf you own your car and let others drive it, ensure they are following the conditions of their licence.Restricted licences have clear rules, including driving hours and not carrying passengers unless a full-licence holder is supervising.We’ve seen claims declined due to licence breaches (even when the accident itself was legitimate). And don’t try to bend the truth, there are too many cameras and witnesses for that to work nowadays.Paying an Excess When It’s Not Your FaultIf another insured driver causes damage to your insured car, your excess is usually waived once their insurer confirms their accepted claim.However, if your car is stolen and damaged, you will typically have to pay the excess, unless the thief is caught and ordered by the courts to pay reparation to you or your insurer.

As of 7 February 2025, projects of national and regional significance can apply for an accelerated consenting process under the Fast-Track Approvals Act 2024 (the Act).This process provides an alternative pathway for eligible development and infrastructure projects that meet key criteria.The Act is aimed at making it easier and quicker to gain approvals for development and infrastructure projects that would deliver regional and national benefits. An approval granted under the Act is intended to be a ‘one-stop-shop’ to avoid having to deal with the multiple consenting pathways that are often required for large-scale projects.Key DetailsDecision-making – Applications are assessed by specialist panels, on referral from the minister.User-pays model – Applicants cover the costs of the process.Pre-approved projects – 149 projects were initially eligible for direct consideration by a specialist panel by being listed in the Act.Priority approvals – Some applications may qualify for expedited processing within the fast-track system.Limited appeal rights – Approved projects can only be appealed on points of law through the High Court.For more details, and project-specific information, visit the official Fast-Track website: www.fasttrack.govt.nzFactors Considered for Fast-Track ApprovalsApplications for referral by the minister to a specialist panel are assessed based on whether the project is an infrastructure or development project that would have significant regional or national benefits. The minister may consider the following in making a referral decision:Aligns with central or local government prioritiesDelivers new significant infrastructure or continued functioning of existing significant infrastructureSupports housing developmentProvides economic benefitsSupports primary industriesDevelops natural resourcesContributes to climate change solutionsAddresses significant environmental issuesImpact on the Otago RegionA number of pre-approved projects are located in the Otago region. Some projects of note include:Bendigo-Ophir Gold ProjectRemarkables Ski Area Upgrade and Doolans ExpansionMt Iron Junction Housing SchemeHow We Can HelpThe Fast-Track Approvals Act 2024 has the potential to significantly impact development and infrastructure projects across the country. If you are working on a project that falls under the Act, Checketts McKay Law can assist with the legal aspects of your development.

Journalists define news as what’s novel, startling, or conversation-starting. The media knows that bad news sells better than good news and uses it to grab attention. Primarily to attract advertisers.While news coverage serves a civic function, much of what dominates the headlines is carefully crafted to trigger emotional reactions and boost engagement.For long-term investors, this presents a challenge. How do you differentiate between genuinely important financial information and sensationalist headlines? In other words, how do you separate signal from noise?Why Headlines Rarely Predict Market PerformanceLooking at past financial headlines in hindsight provides useful insight. Below are real headlines from 2015 to 2025. Notice the dramatic wording and speculative nature of many of them:"Chinese Stock Market Turbulence" – June 2015, BBC News"Brexit Vote Shocks Markets" – June 2016, BBC News"Dow Plunges 1,175 Points in Largest Single-Day Drop" – Feb 2018, NYT"Global Markets Plummet as Coronavirus Spreads" – March 2020, BBC"Oil Prices Turn Negative for the First Time in History" – April 2020, CNBC"Tech Stocks Surge on AI Advancements" – Jan 2024, TechCrunch"Major Tech Companies Announce Mass Layoffs" – Feb 2025, WSJWhile these headlines reflected market fears at the time, the MSCI World Index still delivered an annualized return of 8.4% per year over this period.This shows that while markets fluctuate, long-term trends tend to be positive.The Investor’s Dilemma: Signal vs. NoiseTo navigate financial news without falling into emotional decision-making, consider these key points:Understand How Markets Work: Often by the time you read about an event, the markets have already moved on to something else.Understand How Media Works: Sensationalism drives clicks, engagement, and advertising revenue. News today is often dominated by speculation rather than objective reporting.Ponder on the Motivations of Journalists: Media thrives on urgency. The goal is not just to report events but to keep the audience engaged with a constant flow of news.Accept What You Can and Can’t Control: While staying informed is valuable, making impulsive investment decisions based on short-term headlines can be destructive to your wealth.Focus on What You Can Control: Like how you have cash for your short-term and emergency needs while your longer-term investments are allocated across a range of shares, bonds, property, and cash, the degree of diversification in your portfolio, what you pay in costs and taxes, and the regular rebalancing of your portfolio.Work with a Financial Planner: All of this is easier if you have a financial planner who can keep you disciplined and true to your original intentions. Because they know you, understand your risk appetite, and are aware of your goals, the story always starts with you and not with what’s in the headlines.This is not to downplay real-world events or their impact.However, taking an active interest in global affairs and securing your financial future are not mutually exclusive.Final Thoughts: Investing in Businesses, Not HeadlinesYou’re not investing in "the market"— you’re investing in businesses that aim to stay in business.Successful companies thrive by offering products and services people need. As an investor, you share in those profits.Well-run, profitable businesses endure, regardless of daily headlines.

After Veolia re-secured the contract for the Queenstown Shotover sewage plant in 2023, it is alleged that several senior managers had their employment unjustly terminated.It would seem the wastewater processing plant might not be the only thing that stinks. Amongst various claims the Employment Relations Authority (ERA) heard in early March 2025, it was suggested there was a “toxic culture” prevalent in the workplace at Veolia when a senior manager was dismissed from his position because his work outputs did not align with the company’s core values.A complaint of this nature is called a “personal grievance” (PG) which can be raised by an employee if they feel they have been treated unjustifiably during their employment.It’s important to understand that a PG can take 12-18 months to reach the point where you’re standing in front of someone with authority (an ERA member) who can finally tell you who is right, wrong, or otherwise. Raising PGIf your employee raises a PG claim, you as the employer must be given the opportunity to understand what the grievance is, and to address it. If you or the employee are unsatisfied with the outcome of the discussions, you are typically required to attend mediation via the Ministry of Business Innovation and Employment (MBIE). Try to resolve out of courtIf the PG can’t be resolved via discussion and/or mediation, you can file for an investigation hearing with the ERA. If this is all starting to sound expensive, that’s because it is! As an employer, you might have insurance or a pre-paid support service to fall back on, but that isn’t likely to cover the settlement costs to resolve the grievance, nor the time, lost opportunity, and stress that are involved in resolving the PG.What went wrong at VeoliaAt the heart of the claim is whether the employee aligned with the core values of his employer due to his use of “robust” language in the workplace. The employee alleges he was frustrated, under-resourced and suffering from stress. Additionally, there are claims that Senior Managers at Veolia were making unreasonable requests that triggered emotional responses, and that correct processes hadn’t been correctly followed regarding the employee’s termination.For Veolia, defending the claim of wrongful termination means an interruption to daily work plans, with senior managers and engineers out of the business. This comes at a critical time for Veolia who are already under extreme scrutiny with the Shotover Wastewater treatment plant, and more PGs alleged to be coming. Who Wins?Regardless of the outcome for this case, it’s easy to see that there are no winners, although the employee could possibly walk away with a hefty payout if the company is found to be at fault. The best way to resolve a personal grievance, is to head it off before it becomes one!How not to have a personal grievance raised against you.Know your company values – and demonstrate them on a daily basis.Have a robust suite of paperwork to detail job roles, company rules, communications, and internal processes.Communicate with your employees and listen to what they are telling you about the working conditions.Resolve or address the small issues, before they become big ones.Check with the expertsCall the team at EASI NZ for all your employment, and health and safety queries. www.easinz.co.nz

The digital world isn’t slowing down. If anything, it’s moving faster than ever. In 2025, having a strong digital marketing strategy isn’t just a bonus. It’s essential for businesses of all sizes.So, what exactly is a digital marketing strategy? It’s a plan that outlines how your business will use online channels, like social media, search engines, email, and digital advertising, to connect with customers, build brand awareness, and drive sales. Instead of guessing or doing things on the fly, a strategy gives you a clear direction, helping you make the most of your marketing efforts.Whether you run a retail store, a service-based business, or a hospitality venue, the way people discover and engage with brands has evolved. Without a clear plan, you risk being left behind while competitors take the lead.Here’s why you need a solid digital marketing strategy in 2025:1. Consumer Habits Have ChangedRecent data shows that two-thirds (66%) of NZ shoppers browse online before buying in-store, and around a third (36%) use their mobile to check prices. More people than ever are turning to their phones, social media, apps, and search engines to find businesses, read reviews, and make purchasing decisions. If your business isn’t showing up where they are looking, you’re missing out on valuable opportunities.2. Marketing Consistency Builds Trust and RecognitionOne of the biggest mistakes businesses make is being inconsistent with their marketing efforts. Sporadic posts, one-off ad campaigns, or months of silence can hurt brand awareness. Customers are more likely to trust and remember businesses that show up regularly. A well-planned digital marketing strategy keeps your brand visible, reinforcing trust and familiarity, even if people aren’t ready to buy straight away.3. Multiple Digital Platforms Maximise ReachGone are the days when having a website or a Facebook page was enough. Successful businesses now use multiple digital platforms to stay visible, including social media, email marketing, and even local platforms like The Central App. Using a mix of channels helps you reach different segments of your audience and keeps your brand top of mind.4. Keeping Your Brand in People's MindsNot every marketing effort will lead directly to a sale, and that’s okay. The goal of digital marketing is to keep your brand in front of people so that when they do need your product or service, you’re the first business they think of. Regularly appearing on social feeds, in search results, or through email updates increases the chances of turning potential customers into loyal ones.5. Social Media is No Longer OptionalSocial media isn’t just for keeping up with friends—it’s a powerful business tool. Platforms like Facebook, Instagram, and LinkedIn influence purchasing decisions more than ever before. Having a strategy in place ensures you’re not just posting randomly but creating engaging content that connects with your audience in meaningful ways.6. Search Engine Visibility MattersWhen people need a product or service, they Google it. If your business doesn’t have a strong online presence, including an optimised website and local SEO, you’re missing out on potential customers. A well-planned digital marketing strategy ensures you appear higher in search results, making it easier for people to find you.7. Your Competitors Are Already OnlineEven if you’re not focusing on digital marketing, your competitors likely are. If they’re showing up in search results, engaging on social media, and running ads, they’re attracting customers who might otherwise choose you. Staying competitive means keeping up with digital trends and being proactive in your marketing efforts.Get Started TodayIf you don’t have a digital marketing strategy in place for 2025, now is the time to act. Start with the basics: optimise your website, build a social media presence, advertise consistently across platforms. The sooner you start, the stronger your online presence will be—and the more customers you’ll attract.Want help getting started? Let’s chat about how we can create a strategy tailored to your business!

With more New Zealanders choosing independent contracting over traditional employment, it's crucial to understand how the two differ legally. While contractors enjoy greater autonomy, they also face unique risks and obligations. For the business using contractors, it is important that they understand the implications of wrongly classifying a contractor. This article will examine how to navigate these arrangements effectively.How Do Contractors Differ from Employees?The line between contractor and employee isn’t always obvious. In disputes when deciding a worker’s status, the Employment Relations Authority considers several factors, such as the level of control the hiring party has over the work. If they dictate how, when, and where tasks are performed, it leans towards an employment relationship. Independence is another key consideration — contractors can often take on multiple clients or subcontract work, unlike employees. Taxation is also handled differently; employees have PAYE deductions, whereas contractors must manage their own taxes. Finally, the party providing tools and equipment can be a deciding factor. Employees typically use company resources, while contractors supply their own.Employees receive benefits like annual leave, sick leave, and employer KiwiSaver contributions. Contractors, on the other hand, are responsible for managing (and financing) these aspects themselves, making it vital to plan ahead.Why Misclassification MattersIncorrectly classifying an employee as a contractor can create significant legal issues for businesses. If it is deemed that they are actually an employee, then the Employment Relations Act 2000 (“ERA”) applies to the relationship and they will likely become liable for unpaid wages, holiday pay, and other entitlements, as well as face penalties for not deducting PAYE or contributing to KiwiSaver. Beyond financial repercussions, the ERA personal grievance framework would apply to the relationship.A recent and significant case in this area involved Uber drivers. The New Zealand Court of Appeal applied established tests to differentiate between contractors and employees, focusing on the practical realities of the working relationship rather than just contractual labels. Central to this determination were the "control," "integration," and "fundamental" tests. For workers, being misclassified may mean missing out on critical rights and protections, including the ability to lodge a personal grievance. It’s important to clarify the nature of the working relationship upfront to avoid this.Legal Framework for ContractorsContractors operate under different laws compared to employees. Their rights and responsibilities primarily stem from the terms of their contract, which forms the foundation of their working relationship. The Fair Trading Act 1986 offers additional protections, ensuring contractors aren’t subjected to unfair contract terms or deceptive practices. However, contractors are also responsible for handling their own tax obligations, including registering for GST if they earn over $60,000.00 annually.Negotiating a Strong ContractA well-drafted contract can prevent misunderstandings and disputes. It should clearly outline payment terms, including the rate, frequency, and invoicing process. The scope of work and deadlines must also be detailed to manage expectations. Termination terms, such as notice periods and conditions for ending the agreement, are equally important. Lastly, it’s wise to include a dispute resolution clause, specifying steps like mediation or arbitration in case conflicts arise.Handling DisputesWhen conflicts arise, contractors have several options:Attempt to resolve issues informally with the other party.Seek support from the Ministry of Business, Innovation and Employment (MBIE) or private mediators.For payment disputes, options include the Disputes Tribunal or issuing a statutory demand, if the debt exceeds $1,000.If the debt is over $30,000, you may apply to the District Court for relief. For contractors working in the construction industry, the Construction Contracts Act 2002 provides a streamlined process to resolve payment disputes.Upcoming Changes?The New Zealand government is considering introducing a 'gateway test' to clearly differentiate contractors from employees based on specific criteria, offering clarity and reducing legal uncertainties. These proposed criteria can be viewed here. This development underscores the importance for businesses and workers to carefully assess their working relationships, considering factors such as control, integration, and the fundamental nature of the work performed.It’s essential for contractors and businesses to stay informed about these developments as they may impact future agreements and rights.SummaryContracting can offer significant benefits, but it also comes with responsibilities. Whether you’re a contractor or a business hiring one, understanding the legal landscape can spare unnecessary time and money spent. When in doubt, seek professional advice to avoid costly mistakes. Checketts McKay Law have an expert team of employment law advocates who are willing to assist at any point along the way.

Autumn in Central Otago is something special, and it’s almost here. The landscape turns into a painter’s dream; vivid golds, burnt oranges, and deep reds line the streets and valleys. It’s the kind of beauty that stops you in your tracks, and for anyone selling a home, it’s a season that works in your favour.There’s a common misconception that spring and summer are the best times to sell, but autumn actually has a few tricks up its sleeve. Here’s why:1. Serious Buyers Are LookingBy autumn, the “just browsing” summer crowd has thinned out, leaving buyers who are genuinely in the market. Whether they missed out on properties earlier in the year or they’ve just sold their own home and need to move, autumn buyers are often ready to act.2. Your Home Looks IncredibleLet’s be honest: Central Otago in autumn is breathtaking, and that extends to properties too. A well-maintained garden with golden leaves, warm afternoon light filtering through the windows, and cozy indoor spaces can create an atmosphere that’s hard to resist. If you’ve got a fireplace, even better! A few subtle autumn touches, like a welcoming entryway with seasonal flowers, can make a big impact.3. Less Competition on the MarketSpring and summer tend to be the busiest seasons for real estate, meaning more competition. By autumn, the market slows slightly, giving your home a better chance to stand out. Fewer listings mean more eyes on yours, which can lead to stronger offers.4. Ideal Weather for Open HomesNot too hot, not too cold—autumn offers some of the best open-home weather. Buyers aren’t rushing through in the sweltering heat or dashing to their cars to escape the winter chill. Instead, they can take their time, soaking in the atmosphere of the home (and maybe picturing themselves curled up inside with a coffee).Getting Your Home Autumn-ReadyA little prep goes a long way when selling in autumn. Here are a few simple ways to make the most of the season:Tidy up the garden – Rake leaves, trim overgrown branches, and add a pop of color with autumn-friendly plants.Make it warm and inviting – If it’s a cool day, have the heat pump or fireplace on for open homes. Soft lighting also helps create a cozy feel.Check your lighting – With the days getting shorter, make sure both indoor and outdoor lighting is welcoming and bright.Highlight winter-ready features – If your home is well-insulated, has double glazing, or a great heating system, make sure buyers know about it.Final ThoughtsSelling in autumn is all about working with the season, not against it. With the right approach, your home won’t just sell. It’ll shine. And in a place as stunning as Central Otago, that’s not hard to do.If you’re thinking about selling this autumn, now’s the time to start planning. Get in touch for a chat—I’d love to help you make the most of this upcoming golden season.

As a manager or employer, the chances you’ve heard that phrase at least once from a staff member, if not multiple times during your career. And when you’re already under pressure, it’s enough to make your blood boil!Let’s face it, for a lot of us “survive til ’25” was a rough ride and the tunnel to “thrive in ‘25” might feel like it isn’t getting any shorter, as we stare off to the second half of the year. “Low productivity” and “unemployment” headlines dominate the news, and the Reserve Bank’s chief economist, Paul Conway, is suggesting a weak economic outlook with multiple factors including weak productivity, investment, and trade. So, when someone says, “it’s not in my job description” it can feel like the last straw. And that’s often how a dispute can start. Personal GrievancesIf you’re under pressure and you hear this statement, there’s a good chance you might react badly, and if you do, “Reason” can leave the building, leaving the door open for “Personal Grievance” (PG) to enter. If you’ve ever had a PG raised against your business, you’ll know it can be expensive, stressful, and massively time consuming. If you’re lucky, the outcome of a PG might result in a settlement and if not, it can cost thousands to pursue a defence through the Employment Relations Authority. Frustratingly, you can be 12-18 months away from being in front of someone who can tell you if you’re wrong or right with your approach to the situation. There is a high risk that you could lose the case and be considered to have failed to act like a “fair and reasonable employer with regard to all the circumstances at the time”. Not to mention the settlement amounts today are typically more than the $3-7K we were seeing only 10-15 years ago. Or the $10-15K from only 5 years ago. These days, you’ll be lucky to see any change from $20K in a settlement, and additional legal costs can mount quickly. Avoiding Personal GrievancesSo, how do you avoid this sort of outcome when you’re under pressure and your staff just don’t “get” the situation? It’s simple, you make time to share it with them, maybe identify some clear processes to updating job descriptions, and ensure everyone understands the core company objectives and underlying values of the company. Five birds (maybe more), one stoneAt EASI NZ, we love “working smarter”, so our recommendation is to combine regular reviews of staff performance with an overview of your company productivity. Use these conversations as a chance to identify the blockers that prevent people from reaching the desired outcomes. Eliminate or mitigate the challenges to ensure your outputs and productivity are in line with your overall business strategy and goals. This should not be used as an opportunity to play a blame game; it’s about identifying continuous improvements.Isn’t that more work?No, collaborating with your staff builds their understanding of the business and the goals, it builds loyalty by creating an inclusive environment, and provides opportunities to instill your values across the whole business. You can often find efficiencies that reduce workloads.With the early identification of potential problems and/or niggles in the business you can reduce stressful situations and can prevent issues from occurring in the first place. This in turn helps to reduce staff attrition rates and empowers your staff while enabling you to discuss ongoing changes and improvements to the business that may need to be reflected in their job descriptions.Reviews are a great way to collaborate with your staff to achieve more efficient outcomes by working smarter, not harder.Doing it - Ourselves!Let’s face it, we can’t rely on anyone arriving on a shiny white business horse to save the day, so it’s time for us to drive productivity by building capabilities and resilience in our own teams through internal collaboration.EASI NZ has a range of workshops to assist you in the “2025 Productivity Drive” so whether it’s building up your HR strategy, understanding your employment obligations, boosting your productivity, hiring the right person, or simply having someone who can manage a crisis, we’ve got you covered, and more. 

At the start of February, I had a guest visiting Alexandra to compete in the Mountain Bike Orienteering series. He was using an eBike (fair enough, as he’s a few years older than me) and after a big day of riding, he needed to recharge his battery.It was a scorching hot day, so while we cooled off outside, he plugged the charger into the battery inside the house. When I later went inside, I noticed a distinct smell of overheating plastic. I immediately switched off the charger. It was hot to the touch, and the battery was warmer than usual—just on the edge of being concerning.After some investigation, we found the issue: the plug connecting the wall to the charger had become loose, causing a poor connection and likely some minor arcing. We cleaned all the connections, ensured everything was securely plugged in, and moved the charger onto a tiled surface before trying again. This time, the battery charged normally, with only the expected slight warming.But the situation left me wondering, what if we had gone out for the evening and left it charging unattended?Tips for Safe Battery ChargingTo reduce the risk of battery fires, here are some key precautions to take:Charge batteries in a safe, well-ventilated area. Ideally, use a concrete surface and keep them out of direct sunlight. Let the battery cool down before charging.Inspect your battery regularly. Watch for damage, such as dents, puffiness, deformities, overheating, strange smells, slow charging, or reduced performance. If you notice any of these, dispose of the battery safely (check the CODC rubbish guide for proper disposal methods).Be extra cautious after crashes. eBike and scooter batteries can become compromised after an impact, even if they appear fine externally.Use the correct charger. Don’t just use any charger that fits; always match the output voltage and Ah rating to your battery’s requirements.Monitor charging batteries. Check on them regularly and have a fire extinguisher nearby. Water won’t help in a battery fire.What to Do in Case of a Battery FireIf a fire breaks out, dial 111 immediately.If it’s safe to do so:Use a fire extinguisher to prevent flames from spreading.Contain the fire with a fire blanket.If possible, move the burning battery to a safe distance away from other flammable materials.By taking a few simple precautions, you can significantly reduce the risks associated with charging eBike batteries. Stay safe, and always be aware of potential hazards—because a little vigilance can prevent a major disaster.

Real estate is one of those topics everyone seems to have an opinion on, and plenty of myths float around that can cause unnecessary stress for buyers and sellers. Let’s clear up some common misconceptions with a no-nonsense approach.One of the biggest myths is that you need to wait for the "perfect time" to buy or sell. Here’s the truth: there’s no such thing as perfect timing in real estate. Markets fluctuate, and while it’s smart to be aware of trends, trying to predict the exact moment to act can be like chasing your tail. What matters more is your personal situation—whether it’s the right time for you to make a move.Another myth is that you should always list your home at a higher price to leave room for negotiation. While this might sound clever, overpricing can actually backfire. Buyers are savvy, and if your property sits on the market too long, it might start to look stale, leading people to wonder what’s wrong with it. A well-priced home generates more interest and often leads to competitive offers.Some sellers think they should renovate every inch of their home before listing it. While certain updates, like a fresh coat of paint or fixing obvious issues, can add value, not every improvement will give you a good return on investment. Focus on what matters most to buyers—cleanliness, functionality, and curb appeal—and don’t overextend yourself.Finally, there’s a myth that you don’t need an agent because you can "do it yourself" online. While technology has made information more accessible, there’s no substitute for local expertise. A good real estate agent knows how to market your property, navigate negotiations, and handle the finer details, saving you time, stress, and potentially money in the long run.Buying or selling a home is a big decision, but it doesn’t have to be overwhelming. By cutting through the myths and focusing on what really matters, you can approach the process with confidence and clarity. Central Otago has a lot to offer, and with the right guidance, your real estate journey can be as rewarding as the destination.