Budget 2025 introduced a range of changes to KiwiSaver that aim to boost long-term retirement savings, particularly for younger workers.At Central Financial Planning, we believe these changes present both opportunities and challenges. Now more than ever, it’s essential to understand how the rules affect you, your ideal future, and your finances.What’s Changing?1. Contribution Increases (Phased In):From 1 April 2026, the default employee and employer contribution rates will increase from 3% to 3.5%, and then to 4% by April 2028. While employees will have the option to remain at 3% in the short term, this change represents a shift in the default savings culture, nudging all working New Zealanders to put more toward their retirement.2. Government Contributions Adjusted:The Government’s contribution will be halved from $521 to $261 per year starting 1 July 2025.High-income earners (those earning over $180,000) will no longer be eligible for this annual top-up.But good news for younger workers, 16- and 17-year-olds will now become eligible for both government and employer contributions, starting July 2025 and April 2026 respectively.A Mixed Bag for Savers and EmployersAt Central Financial Planning, we support initiatives that help New Zealanders build better financial futures. Increasing the default contribution rate is a step in the right direction for long-term retirement security.A 4% contribution, from both employee and employer, can make a significant difference over a 30–40 year working life.However, reducing the government’s contribution and removing it altogether for higher earners sends a mixed message. Many clients have come to rely on that top-up as part of their savings strategy.The reduction may also disproportionately affect lower- to middle-income savers, who benefit most from the relative boost it provides.For employers and small businesses, the phased increases in compulsory contributions may present budgetary challenges, especially in tighter economic environments.We recommend business owners factor these changes into their long-term payroll and cashflow planning early.Don’t Miss Out on Your Government ContributionWith the government contribution reducing from 1 July, now is a great time to review your KiwiSaver account to make sure you’ve contributed enough to receive the full entitlement this year.To receive the full $521.43 government top-up, you need to contribute at least $1,042.86 of your own money between 1 July and 30 June. If you haven’t hit that target yet, there’s still time to top up before the deadline.Young Savers Benefit, and That’s a Good Thing!One of the most encouraging shifts is the inclusion of 16- and 17-year-olds in the KiwiSaver incentives.This change gives young people a genuine head start — not just in financial contributions, but in cultivating good saving habits early.With employer and government support, the compounding benefits of long-term investment can start making a real difference from a younger age.What’s Next? A Possible Shift in the Retirement AgeWhile not part of this Budget, there’s ongoing conversation about raising the age of eligibility for NZ Superannuation.If the retirement age shifts from 65 to 67 or beyond in future years, this may also influence when you can access your KiwiSaver funds.It’s important to understand how these broader policy moves could interact with your retirement planning.Now is the Time to Get AdviceAt Central Financial Planning, some of our core values are transparency, trust, and proactive engagement to equip people with knowledge to help them make confident, wise and informed decisions.These changes mean more of your income will be going into your KiwiSaver. That makes it even more important to ensure you’re invested in the right solutions, with the right strategy for your goals and life stage.Ask questions. Check your settings. Top up your account if needed.Understand your fund type. If you’re unsure where to start, reach out. We’re here to guide you, because it’s your future, and it’s worth getting right.

Family violence is a prevalent issue in New Zealand. It affects a significant population of our country; including women, men, children, and the elderly. When you are experiencing family violence, it can be hard to know where to turn or what your options are. But this is not just a personal issue; it’s a legal one. New Zealand has specific legislation in place to provide protection for people impacted by family violence.What is Family Violence?The Family Violence Act 2018 defines this. It is violence inflicted on a person by somebody they are in a family relationship with, including partners/spouses, parents, children, and siblings. Violence does not only refer to physical violence; it includes sexual, verbal, psychological, and financial abuse. This can be behaviors like name- calling, swearing at you, putting you down, threats (express or implied), intimidation, isolating you from friends or family, controlling your movements, controlling your finances, or withholding money.Protection OrdersIf you have experienced family violence and believe you are still at risk from the perpetrator, you can apply to the Family Court for a protection order. If a protection order is in place, it would be a criminal offence for the perpetrator to contact you without your consent. This would apply to not only you but also any children living in your home with you.There are two ways to apply for a protection order; ‘on notice’ or ‘without notice’. The presumption in Family Court is that you apply on notice. This means the Respondent would be served with your application and have an opportunity to respond to your allegations. A Judge would then make the decision on whether a protection order should be made or not. This process typically takes several months or longer.If you feel that your safety is at immediate risk from the Respondent and you cannot wait months for your application to be considered, you can apply without notice. This means the Court may grant a temporary protection order immediately; to protect you during the time until a hearing can be allocated to decide your application. What if I have been served with an application for a Protection Order, or a temporary Protection Order If you are served with an application for a protection order, and/or a temporary protection order, you have the right to defend the making of a final order. You can do this by filing a Notice of Response or Notice of Intention to appear to the Court, along with an affidavit.If a temporary protection order has been made against you, it is important that you comply with the conditions of this order, even if you are defending the making of a final order. A breach of a protection order is a criminal offence, and you may be subject to criminal charges if you do breach it. A breach of protection order includes any unconsented contact with the Applicant, even if the contact is not violent in nature; or if the Applicant previously consented to the same contact. If you do not understand the conditions of the order you are served with, or you need to contact the Applicant regarding care of shared children or other necessary matters, you should seek legal advice.Can’t afford a lawyer?Legal Aid is available for proceedings under the Family Violence Act, depending on your household’s annual income and assets. The income and asset thresholds are set out in the Legal Services Regulations 2011. These vary depending on whether you have a partner and how many children you have. You may still be eligible for a grant of Legal Aid if you exceed these thresholds, if special circumstances apply to your situation. If you aren’t sure whether you are eligible, we can advise you and assist you in filing an Application for Legal Aid.How can we help?At Checketts McKay Law, our team is experienced in representing clients in proceedings under the Family Violence Act, including applying for on notice and without notice protection orders, responding to applications and orders, and representing both parties at defended Hearings. We can also advise you on how family violence may relate to other matters, such as the care of your children. We understand what a difficult time it is for people and families being impacted by family violence. The legal services we deliver are clear and empathetic; informing and guiding you through this process with our expertise.

Last night, after a long day, I found myself aimlessly scrolling TikTok just like many of us do.One video caught my attention: a street interview, the kind where someone walks up to strangers and asks deep or silly questions. It seemed real enough, until I glanced at the comments.Everyone was saying the same thing: “This is AI.”I looked a little closer and sure enough, they were right.Turns out, Google recently released a new version of its AI video generator Veo 3, and it's shockingly realistic. The facial expressions, the tone of voice, the body language it all felt so human. I ended up going down a rabbit hole, watching video after video trying to figure out which ones were real and which were AI-generated. At a glance, they’re nearly impossible to tell apart.Once you know what to look for, unnaturally smooth movements or slightly off audio, you can spot them. But if you’re casually scrolling? You probably won’t notice. That’s the unsettling part.AI is everywhere and that’s the problemAI-generated content isn’t limited to video. It’s showing up everywhere from Facebook, Instagram, Pinterest, and TikTok, to TV ads and even non-media spaces like toothbrushes.Ads are using superimposed faces and voices to sell products at a mass scale.I even saw an ad the other day from Skinny where a woman’s face was digitally placed into different scenes, urging people to buy into their next plan.At first glance, it’s clever. But at what cost?On Pinterest, I’ve seen AI-generated products advertised with glowing reviews only for people to receive scam items, if anything at all. Fake crystal mugs for sale on Pinterest On Facebook, AI images go viral with tens of thousands of likes and shares, fooling people into believing they’re looking at reality.Look at the number of comments and shares on these Facebook posts!AI bots are also boosting comments and engagement, responding to content and mimicking real users. TikTok now has interviews where the interviewer and interviewee are both AI-generated.It’s starting to feel like we’re not watching people anymore. We’re watching simulations of them.So what does this mean for you?We’re now living in a time where it’s getting harder to trust what we see online. People are frustrated. They feel tricked, misled, and disconnected. There’s growing resentment toward AI not because it’s not impressive, but because it’s replacing something important: effort, authenticity, and human connection.Consumers are becoming more aware of AI-generated images and videos. And when they suspect something is AI? Trust evaporates. Even big companies are feeling the heat. Duolingo, the language learning app, recently faced backlash after its CEO said the company was going to be “AI forward,” which led to staff cuts. The result? Thousands of users deleted the app, feeling let down by the brand’s shift away from people. And internally, the decision sparked resentment among staff on often overlooked cost that can weigh heavily on a business over time.The fear isn’t just about job loss. It’s about identity. Work, creativity, storytelling these are core parts of who we are. So when a business replaces those things with automation, it can feel like a dismissal of human value.Where do we go from here?AI is only going to get better. It will soon create more realistic, more human-like content than ever before. But just because it can, doesn’t mean it should replace everything.As businesses, we need to be selective and intentional about how we use AI. There’s a fine line between enhancing productivity and eroding trust.Here’s what not to do:Don’t rely on AI for all communication. Mass-generating emails that sound generic or robotic might save time, but it strips away the personal touch. If customers feel like they’re talking to a machine, they’ll disconnect.Don’t use AI-generated art or visuals without transparency. People are becoming increasingly wary of digital imagery that feels “off.” If your product or brand identity is tied to visuals, using AI art without care can make your brand feel impersonal, or worse deceptive.Avoid fully automating reporting and insights without context. AI can crunch numbers, but it doesn’t understand nuance. Reports that are purely AI-generated often lack the strategic interpretation your clients or teams actually need. Add human commentary to make insights meaningful.Don’t let AI become your brand’s voice. Customers crave real connection. They want to feel heard, understood, and valued. If every touchpoint your captions, emails, ads, support is written by AI, it can start to feel like no one’s really behind the brand.Ultimately, what will set businesses apart isn’t how efficiently they can implement AI it’s how well they preserve their humanity while doing so.Use AI to support your work, not to replace the essence of it. Let it handle the repetitive tasks so your team can focus on what matters most: building relationships, telling real stories, and showing people that they still matter in a world that’s becoming increasingly automated.

After a very mild Kings Birthday weekend, it sounds like we are about to see our first really cold weather of the winter.This usually means some extra work for those of us who live in Central Otago.Some tasks to think about, if you haven’t already prepared for winter.At home:Winterise your outdoor taps & irrigation system (cover or wrap taps & drain hoses where possible).Check that your water mains tap moves freely and that everyone at home knows where this is. If you have a water leak, turn off the mains as quickly as possible before calling a plumber. Mop up what you can as quickly as possible, but do not try to dry things out by turning your heat pump up. Damage caused to your house or contents by water leaks is usually covered by your insurance policies, but you usually need to pay the plumber for repairs & an excess on your policy.It's possibly too late to get up and ensure your gutters are clean, but doing so reduces the chances of blockages from heavy rain or snow. Also where possible, secure or remove shade sails, awnings & umbrellas.Protect your outdoor furniture. This may include putting cushions away safely and ensuring that furniture is anchored against high winds (especially trampolines).If you are using electric blankets, check these each time you change your sheets to ensure that there are no kinks, twists or hot spots. Vacuum dust from electric heaters whenever you get a chance and turn them off if anything smells odd.Hopefully you have checked your smoke alarms already (at daylight saving), but if you haven’t its worthwhile giving them a test by pushing test button (gently use a broom if the alarm is out of your reach).Car:Tyre Maintenance: Wet and slippery roads can be hazardous. Check your tyre thread and pressure regularly to ensure optimal grip and safety. Battery Check: Cold weather can affect battery performance. Have your car battery checked to avoid being stranded in the cold. Emergency Kits: Keep an emergency kit in your vehicle, including items like blankets, a torch, a first-aid kit and basic tools.Drive to the conditions, using your lights, especially when its foggy. The auto settings on headlights typically do not turn lights on when it is foggy.Check your insurance - Check that your cover is up to date, and that you’ve got the right level of cover for you. If in doubt, talk to us! C & R Insurance - Your local broker and adviser.Winter brings a unique set of challenges, but with proper preparation, you can feel secure and protected. By following these tips, you can navigate the season with confidence.

As we sail into the second quarter of 2025, the financial seas have proven to be both turbulent and enlightening.Central Financial Planning's latest economic commentary provides a comprehensive overview of the first quarter, highlighting key market movements and the broader economic landscape.A Challenging Start to the YearFresh off the back of an excellent year in 2024, the first three months of 2025 ushered in a more difficult investment environment.While some markets performed creditably, others, including the influential US share market, were down for the quarter, contributing to reduced portfolio valuations for many investors.Investor Sentiment TestedInvestor sentiment was put to the test as the quarter progressed, with much of the uncertainty centered on key policy initiatives within the globally important US economy.The directives coming out of the White House in early 2025 clearly contributed to market wobbles throughout the first quarter and into April.The most telling of these was the adverse global reaction to the US’s ever-evolving plans to implement widespread new international trade tariffs.President Trump initially announced tariffs on certain countries (notably Mexico and Canada) and on some goods (cars, steel, and aluminium) Global Market ReactionsThe market reaction to these tariff announcements was swift and significant. International share markets experienced volatility, with some sectors being hit harder than others.The uncertainty surrounding these policies created a ripple effect, impacting investor confidence and market stability New Zealand's Housing Market: A Silver Lining?Amidst the global economic turbulence, there was a potential silver lining for New Zealand's housing market.The commentary suggests that lower mortgage interest rates could benefit housing values in New Zealand, providing some relief to homeowners and investors alike Long-Term Strategy: A Timely ReminderIn this feature article, we share key insights from four Nobel Prize-winning economists—a timely reminder that when times get tough,it's more important than ever to stay focused on long-term strategies and not get caught up in short-term market ‘noise’. This advice feels especially relevant right now, with all the market ups and downs making it tempting to react too quickly.Looking AheadAs we move forward into the rest of 2025, it will be essential for investors to remain vigilant and adaptable.The insights provided by Central Financial Planning offer valuable guidance for navigating these uncertain times.By staying informed and maintaining a long-term perspective, investors can better weather the economic storms and seize opportunities as they arise.You can find the detailed market commentary on our news page on our website at Centralfp.co.nz

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.

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.

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.

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!