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.

As a population we are living longer than ever before and while longevity is fantastic if you are in good health, the reality for some people is that they may go through a period of poor health and may lose the ability to make decisions for themselves. An EPA is a legal document that sets out who can make decisions for you in relation to your health and financial matters if you can no longer make those decisions for yourself. Putting in place EPAs while you are capable of doing so is like taking out an insurance policy; it is something you need but hope you never use.The Basics As the person entering into the EPA you are the ‘donor’, and the person you appoint is called your ‘attorney’. EPAs come under two categories, Property and Personal Care & Welfare. The Property attorney manages your financial matters and the Personal Care & Welfare attorney makes decisions about how and where you are cared for. Given the connected nature of our financial and welfare matters, donors often appoint the same attorney to both roles, but this is not a requirement. To ensure that our EPAs are drafted to stand the test of time, you can appoint back-up attorneys to act if your first attorney is unwilling or unable to act. There are also options to add duties on your attorney to consult and provide information to designated people. By way of an example, parents with a number of children may choose one or two adult children to act as their attorneys and those attorneys will have a duty to consult with and provide information to their siblings about how they are managing the parent’s affairs. This structure ensures that family members not appointed as an attorney still feel included in the process. EPAs are prepared in two separate documents and your signature, as the donor, will need to be witnessed by a solicitor who has explained the effects of the documents to you in person and is satisfied that you fully understand the effect of the EPAs. If there is any concern regarding the donor’s capacity a medical certificate may be required to confirm that the donor has capacity at the time of entering into the EPA. It is important to note that once an individual has lost capacity it is too late to enter into an EPA and a Court process will need to be followed (explained in more detail below) - when it comes to entering into EPAs it is better to be 10 years too early than one minute too late. Provided a person still has capacity, you can enter into an EPA at any time in your life after the age of 18, it is important to remember that EPAs could be required at any age and stage and they are not just for the later years of life.The implications of not having an EPAYou might assume that if you lost mental capacity your family would be entitled to make decisions for you however without EPAs, that isn’t the reality. In the absence of an EPA your family would be faced with the prospect of applying to the Family Court for orders to be appointed as a Property Manager or Welfare Guardian, or in the case of a medical emergency a doctor will make a decision on behalf of the personwho has lost capacity.In the event that someone has lost mental capacity and has not put EPAs in place a family member or trusted person must apply to the Family Court under the Protection of Personal and Property Rights Act 1988 for orders to be granted appointing someone as your Property Manager and Welfare Guardian. This may or may not be the person you would have chosen for yourself if you had appointed an attorney. The Family Court application can be costly and time consuming and, once granted, there are on-going obligations on the person appointed to provide regular reports to the Court and for their appointment to be reviewed in three years. In addition, Welfare Guardians and Property Managers are not paid for their roles, while reasonable expenses can be claimed from the incapacitated person’s estate there is a lot of time and energy involved in applying for this role and carrying it out, which they are not compensated for. To avoid the need for one of your loved ones to go through the process of applying to the Court for orders, the preferred approach would be to enter into EPAs now, while you are healthy and capable. Setting up your EPAs while you have capacity will ensure that a trusted person of your choice is appointed as your attorney and you will save your family the stress, time and cost of the Court process. Lastly, if you are considering moving into a retirement village (or similar living arrangement) in your later years you will find that retirement villages in New Zealand require all residents to have EPAs in place prior to moving in, this is to ensure that if a resident loses capacity there is a plan in place for who will make decisions regarding the resident’s property, care and welfare. When someone close to us loses capacity this will no doubt be a challenging time, and without EPAs in place there may be the added stress of applying to the Family Court for orders to be granted to appoint a Property Manager and Welfare Guardian. The simple task of setting up EPAs now while you are capable will eliminate any unnecessary stress and will ensure that your wishes are followed as you will have selected your attorney and the parameters of their duties. If you or someone in your family has found yourself in a situation where someone’s capacity is in question and they do not have EPAs, we are happy to help you navigate this process. Similarly, if you would like to futureproof your personal affairs now and establish EPAs we have lawyers in Alexandra, Ranfurly, and Cromwell who are happy to assist with the drafting and signing of these.  You will find us under professional services on The Central App. Checketts McKay Law

If this is you, you certainly aren’t alone – it’s pretty common place to hear small business owners tell us that they are too busy working in the business to work on it.  As the year comes to a close and another looms, we’d suggest taking a moment to reflect on when you last review all your HR documents, policies and systems.  Are they still up to date?  Do they actually reflect what is currently happening in your business?  Have you been meaning to put them in place, but things have been ticking along okay so they keep getting pushed to the bottom of the pile?  Again, you wouldn’t be alone here, however, a proactive approach to managing your HR means that it can be used as a strategic tool for your business growth, development and success rather than as simply an administrative and reactive tool to address problems.  At EASI NZ we will be there for businesses if they find themselves in crisis (the proverbial ambulance at the bottom of the cliff) but we’d rather be at the top keeping you safe – not just as a safety net, but rather, a safe and enjoyable walking path where really the only chance of going off the cliff is if the weather gets really gnarly or if someone recklessly ignores the path, the signs and the safety net! Whilst we can help in a crisis (and despite best efforts, they do happen sometimes) it is far easier and less stressful for everyone involved if the correct documentation, processes and systems exist to enable a clear and well-defined process to take place. We also find that if businesses can make the shift from using HR reactively, to using it strategically, they are far more likely to avoid crises and to progress towards their business goals.To use HR strategically means that you know what you are trying to achieve in your business, you are clear in your values, and you use this to guide your staffing decisions, whether it's your staffing structure, what each role looks like, your staff learning and development or your succession plan. All these should tie in and make sense as part of your pathway to your business goals.Your HR documentation, process and systems need to closely tie in with your business goals and values. Although first, to stop that tumble from the cliff, it’s important to ensure that they are compliant and up to date with current employment law. Once that hurdle is met, it’s important that they are tailored to work in practice for your business – there’s no sense in having a bunch of documents that sit in a drawer or make doing business difficult.At EASI NZ we support business through an HR Audit process, where we look at what you have in place – no judgement here! The process looks a bit like this:Checking your documents are compliant, Looking at them in conjunction with your business goals and values, andLooking at any business pain points and how it is used in practice, to make sure you have a suit of HR resources which will support your business to maximise your people to achieve business success.  So, if your ducks have a tendency to wander, if you don’t know where they are, or if they are even ducks, we’d love you to get in touch – we can have a chat (no judgement!) and see if we can get things in order and freshened up for the New Year.You can get hold of Cherilyn at EAZI NZ by going to our professional services section and clicking on Easi NZ

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.

It’s finally summer, and there’s no better time for a classic New Zealand roady. Even if it’s just a quick trip to the lake, visiting friends, or venturing further into the countryside, every journey deserves to be stress-free and safe.Before you hit the road, make sure your car is in top shape. Here’s a quick check list on keeping your vehicle road-ready to avoid any unnecessary hassles this summer.1. Start with the BasicsRegular maintenance can save you from unexpected hassles.Check Your Tyres: Ensure they’re pumped to the correct pressure (look for a sticker inside the driver’s door frame for guidance).Top Up Fluids: Fill your windscreen washer reservoir and add a bit of windscreen cleaner for sparkling visibility.Clean Glass Surfaces: Give your windscreen and mirrors a thorough clean. If you notice any chips or cracks, get them repaired ASAP – it’s often free with comprehensive car insurance.2. Stay Up-to-Date with Warrant and RegistrationIs your Warrant of Fitness (WoF) about to expire? Is your registration current? Don’t forget to check your boat trailer, camp trailer, or caravan too – these can often be overlooked.3. Avoid Repair DelaysLocal panel beaters are currently experiencing wait times of 3 – 6 weeks for car repairs. To reduce the risk of accidents that could sideline your car for weeks:Minimise Distractions: Keep your focus on the road. Avoid using your phone or getting overly distracted by passengers.Drive Safely on Gravel Roads and While Towing: Slow down, and pull over to let faster drivers pass.Never Drive Impaired: Tiredness, heavy meals, or alcohol and drugs can significantly reduce your reaction times. If you're unsure about your ability to drive, stay put. As they say, it’s better to be a guest overnight than to lose someone forever.4. Parking Pitfalls: Stay Vigilant at SupermarketsSupermarkets can be high-risk areas for minor car accidents, especially during the busy summer period.Park Carefully: Stick to the lines and choose spots with enough room around you.Check Blind Spots: Always double-check when reversing, even in low-speed environments.Own Up to Mistakes: If you accidentally bump another car, leave a note with your details. It’s the right thing to do and prevents further headaches down the road.5. Prepare for a Smooth Summer DriveAs we all know, New Zealand’s roads can be challenging, but a bit of preparation can go a long way toward making your journey safe and enjoyable. By looking after your vehicle and driving with care, you’ll reduce the risk of accidents and ensure a stress-free summer behind the wheel.Is your car insurance up to date? Comprehensive coverage not only protects your vehicle but can also include free windscreen repairs and roadside assistance. Contact C&R insurance today to make sure you’re covered for the unexpected this summer.

As the clock ticks over into 2025, many of us are setting resolutions and planning for the year ahead. While some focus on fitness goals, travel plans, or mastering new skills, others might be thinking about something even bigger: their next steps in the property market.Whether you’re considering buying your first home, selling your current one, or simply refreshing the space you live in, the New Year is an ideal time to set clear, achievable real estate goals. Here’s how you can channel that fresh-start energy into making the most of your property journey.1. Start with a Homeowner’s Resolution ListWe often think of New Year resolutions in terms of personal goals, but your home deserves some attention too. As a homeowner, this could mean tackling those little projects you’ve been putting off—like fixing the dripping tap, finally sorting the shed, or giving the front garden a much-needed makeover.If you're dreaming of stepping onto the property ladder, use this time to set clear financial and practical goals. This might include creating a savings plan for a deposit, reducing debt, or researching the market to identify areas that suit your lifestyle. Starting early ensures you’re prepared when the right opportunity comes along.2. Selling? Embrace the New Year VibeIf 2025 is the year you plan to sell, you’re in a good position. The New Year often brings a renewed sense of motivation for buyers, many of whom are eager to act on their own resolutions. While the market can be quieter in January, this works in your favour as your property may stand out with fewer listings competing for attention.Make sure your home presents well by investing time in decluttering, deep cleaning, and adding some simple touches to freshen up the space. Consider small updates like a fresh coat of paint or adding greenery to bring life to your interiors. Creating a positive, inviting atmosphere can make all the difference when potential buyers walk through the door.3. Thinking of Buying? Define Your GoalsBuying a home is one of the biggest decisions you’ll make, so it’s important to start the year with a clear idea of what you’re looking for. Take some time to reflect on your needs and priorities. Are you seeking a family-friendly property close to schools? A low-maintenance townhouse? Or perhaps your dream home is a quiet retreat with stunning views.Write a list of your non-negotiables and nice-to-haves to guide your search. Keep in mind the realities of the market and your budget—it’s great to dream, but it’s equally important to be realistic. Talk to your bank or a mortgage adviser early on to understand your borrowing power and avoid surprises.4. Refresh Your Space, Even If You’re Staying PutNot planning to buy or sell this year? That doesn’t mean your home has to stay the same. The New Year is a great time to refresh your space, making it feel like a new home without the need to move. Start with simple changes like rearranging furniture, updating soft furnishings, or adding some new artwork.If you’re feeling more ambitious, you might consider tackling bigger projects like repainting a tired room or landscaping the garden. Small improvements can make a big difference, boosting both your enjoyment of the space and your property’s value.5. Plan Ahead with a Long-Term ViewThe New Year often inspires us to think big, but when it comes to real estate, a measured approach is key. Buying or selling a property isn’t something that happens overnight—it’s a process that requires planning, research, and patience.Use this time to get prepared. Stay informed about the local market, attend open homes, and build relationships with agents you trust. If selling isn’t quite on the cards yet, start exploring ways to increase your property’s value, such as renovations or upgrades that appeal to buyers.Looking to the FutureReal estate is about more than just buying and selling houses—it’s about creating a home that fits your life and future goals. Whether you’re actively making moves in the market or simply planning ahead, the New Year is an opportunity to take stock and set yourself up for success.If you’re thinking about buying, selling, or need advice on where to start, get in touch. Let’s make 2025 the year you achieve your property goals and take the next step towards your dream home.Here’s to a fresh start, a fulfilling year, and a home that feels truly yours.

It’s finally summer, and there’s no better time for a classic New Zealand roady. Even if it’s just a quick trip to the lake, visiting friends, or venturing further into the countryside, every journey deserves to be stress-free and safe.Before you hit the road, make sure your car is in top shape. Here’s a quick check list on keeping your vehicle road-ready to avoid any unnecessary hassles this summer.1. Start with the BasicsRegular maintenance can save you from unexpected hassles.Check Your Tyres: Ensure they’re pumped to the correct pressure (look for a sticker inside the driver’s door frame for guidance).Top Up Fluids: Fill your windscreen washer reservoir and add a bit of windscreen cleaner for sparkling visibility.Clean Glass Surfaces: Give your windscreen and mirrors a thorough clean. If you notice any chips or cracks, get them repaired ASAP – it’s often free with comprehensive car insurance.2. Stay Up-to-Date with Warrant and RegistrationIs your Warrant of Fitness (WoF) about to expire? Is your registration current? Don’t forget to check your boat trailer, camp trailer, or caravan too – these can often be overlooked.3. Avoid Repair DelaysLocal panel beaters are currently experiencing wait times of 3 – 6 weeks for car repairs. To reduce the risk of accidents that could sideline your car for weeks:Minimise Distractions: Keep your focus on the road. Avoid using your phone or getting overly distracted by passengers.Drive Safely on Gravel Roads and While Towing: Slow down, and pull over to let faster drivers pass.Never Drive Impaired: Tiredness, heavy meals, or alcohol and drugs can significantly reduce your reaction times. If you're unsure about your ability to drive, stay put. As they say, it’s better to be a guest overnight than to lose someone forever.4. Parking Pitfalls: Stay Vigilant at SupermarketsSupermarkets can be high-risk areas for minor car accidents, especially during the busy summer period.Park Carefully: Stick to the lines and choose spots with enough room around you.Check Blind Spots: Always double-check when reversing, even in low-speed environments.Own Up to Mistakes: If you accidentally bump another car, leave a note with your details. It’s the right thing to do and prevents further headaches down the road.5. Prepare for a Smooth Summer DriveAs we all know, New Zealand’s roads can be challenging, but a bit of preparation can go a long way toward making your journey safe and enjoyable. By looking after your vehicle and driving with care, you’ll reduce the risk of accidents and ensure a stress-free summer behind the wheel.Is your car insurance up to date? Comprehensive coverage not only protects your vehicle but can also include free windscreen repairs and roadside assistance. Contact C&R insurance today to make sure you’re covered for the unexpected this summer.

We had the chance to attend the WOBI conference in Sydney recently, and wow—it was full of thought-provoking talks! From AI to leadership, marketing to management, it was a goldmine of ideas. But instead of overwhelming you with every single takeaway, we wanted to focus on three ideas that feel especially useful for the businesses here in Central Otago.These lessons, from speakers world experts Marcus Collins, Gary Hamel, and Anne Chow, are practical and relatable—perfect for making small but meaningful changes in your business.Marcus Collins on Marketing: Go Beyond DemographicsLet’s talk about marketing for a minute. When you’re promoting your business, how often do you focus on things like age, income, or family size? Maybe you’re targeting “35-45-year-old women with kids,” and while that’s a start, it doesn’t tell you much about what makes those people tick.Marcus Collins really challenged this kind of thinking. He says, instead of looking at demographics, think about culture. What are your customers passionate about? What communities do they see themselves as part of? Whether they identify as foodies, mountain bikers, or dog lovers, those cultural identities shape how they behave and what they buy.For example, let’s say you’re selling coffee. Are you marketing to “people who drink coffee” or to “coffee enthusiasts”? That slight shift in focus can change your whole approach. A coffee enthusiast might care more about the origin of your beans or your unique brewing process. Speak to their passion, and suddenly, you’re not just another café—you’re their café.So next time you’re working on a campaign, ask yourself: what are my customers passionate about? How can I show them I’m part of their world?Gary Hamel on Management: Break Down the BarriersHere’s a big question for you: how easy is it for someone in your business, whether it’s a front line staff member or even yourself, to try something new? Gary Hamel’s advice was simple: businesses need to remove unnecessary red tape.The world’s moving fast, and businesses have to keep up. But sometimes, the way things are set up slows us down. Maybe your team has great ideas, but there’s no clear way for them to share or act on them. Or maybe decision-making gets bottlenecked because everything has to go through you. Sound familiar?Hamel suggested asking three questions:Are all your staff trained to spot opportunities or improvements?Do they have the resources to test new ideas, even on a small scale?Is innovation something you celebrate and hold people accountable for?Imagine if anyone in your business felt comfortable saying, “Hey, I have an idea!” and actually trying it out. Even something small, like a mini budget for experiments, could make a big difference. Plus, the more empowered your team feels, the more invested they’ll be in your business. It’s a win-win!Anne Chow on Leadership: Purpose Drives People“You can manage things, but you lead people,” says Anne Chow. Her leadership philosophy is all about purpose—why you do what you do and who you’re doing it for.Take Nike as an example. Their purpose isn’t just “we make sports apparel.” That’s the what. Their purpose is, “We aspire to bring innovation and inspiration to every athlete in the world. If you have a body, you’re an athlete.” This statement inspires their team, aligns their actions, and connects with customers on a deeper level.Anne recommends reflecting on these questions to uncover your team’s purpose:Who are your stakeholders—customers, employees, community members?Why do they care about what you do?What would happen if your group disappeared tomorrow?What’s the unique value you provide that no one else does?Purpose isn’t just a feel-good exercise; it’s a business advantage. When your team and customers understand your “why,” they’re more likely to stick with you and champion your cause.These three ideas—knowing your customers beyond the surface, empowering your team, and leading with purpose—are simple but powerful. They remind us that behind every successful business are real people, their ideas, and their connections.

The devastation caused by fires in Canada and the West Coast of America this year has been overwhelming. It’s hard to imagine the impact such fires could have here in Otago, particularly as we head into what’s predicted to be a long, hot summer.Fire Season: A Time for PreparationRecently, I tuned into a 99% Invisible podcast episode titled Built to Burn. The guest speaker, Jack Cohen, a seasoned Forest Service research scientist, shared invaluable insights from his lifelong study of fire behaviour.One striking example he discussed was the 1980 Panorama Fire in California. Hundreds of homes caught fire well before the fire front reached their neighbourhoods. How?Embers: Blown downwind, embers ignited wood shingle roofs, collected on wooden decks, filled gutters clogged with leaves, and entered attics through open vents.Historical Fire Cycles: In pre-human times, wildfires burned regularly at low intensity, clearing forest floors. Modern fire suppression has interrupted this natural cycle, increasing fire severity.Managing Fire Risk: The Home Ignition ZoneCohen introduced a proactive approach called the “home ignition zone.” By managing this area, you can significantly reduce the risk of your home catching fire.10–30 metres: Keep trees sparse and ensure vegetation doesn’t provide fuel for fires.10 metres: Use landscaping and design to minimise fuel. Remove long grass, and don’t store firewood against your house.2 metres: Create a firebreak with rock gardens or irrigated lawns. Regularly clean gutters, stow outdoor furniture and BBQs safely, and seal attic vents and garage doors.Building with fire-resistant materials further reduces risk. Cohen’s research suggests that effectively managing the home ignition zone could eliminate the need to fight forest fires aggressively – they could be allowed to burn safely.Additional Resources to Help You Stay SafeFire and Emergency NZ offers excellent resources to help prepare for the fire season:Risks to Your Home ChecklistRural Farm & Business Fire Safety ChecklistAnother useful tool is the personalised escape plan generator at escapemyhouse.co.nz. Answer a few questions, and you’ll receive a custom plan to share with your family or flatmates.Stay ConnectedIf you have questions or tips for staying safe during fire season, reach out to Sarah at [email protected] or call 027 200 7680.Proactive preparation can make all the difference this fire season – let’s keep our homes and communities safe.

The Central Otago District Council has recently issued its decision on Plan Change 19, a comprehensive update to residential planning rules across the district.The decision is now partly operational with other parts of the plan change subject to ongoing appeals.Plan Change 19 represents the biggest change to residential planning rules in the district since the current district plan became operational in 2008.The changes bring opportunities for property development, housing solutions, and community growth. Here's an overview of what some of the changes mean for you.New Residential Zones ExplainedPlan Change 19 introduces three new residential zones to better manage growth:Large Lot Residential Zone (LLRZ): This zone aims to provide lower density and lower rise living. It features larger section sizes and provides for open space to dominate over buildings.Low-Density Residential Zone (LRZ): This zone is the main residential zone in the larger centres of the district (Alexandra, Clyde and Cromwell) and covers the residentially zoned areas in the townships of Roxburgh, Ettrick, Millers Flat, Omakau, Ophir, St Bathans, Naseby, Ranfurly and Patearoa. This zoning offers a traditional suburban environment containing predominantly detached homes with moderate lot sizes.Medium Density Residential Zone (MRZ): The MRZ supports compact housing, such as townhouses and smaller lots. It encourages efficient land use and caters to the growing demand for urban living spaces in certain parts of Cromwell, Alexandra and Clyde. The main MRZ zoned areas provide for more intensive and higher rise (up to 11m above ground level or up to 8.5m above ground level in Precinct 1) residential development. These zones aim to reflect the need to provide for growth in certain areas of the district whist balancing infrastructure capacity, and the distinct character of each area within the district.Subdivision OpportunitiesPlan Change 19 amends subdivision standards to potentially allow for smaller lot sizing in certain areas. Here’s some of what’s new:Low-Density Residential Zone (LRZ): The subdivision standards in this zoning provide for a minimum lot size of 400m2 provided a reticulated sewerage system is installed or is available. Where a reticulated sewerage system is not installed or available then the minimum lot sizing is 800m2.Medium Density Residential Zone (MRZ): The subdivision standards in this zoning provide for a minimum lot size of 200m2 provided a reticulated sewerage system is installed or is available. Where a reticulated sewerage system is not installed or available then the minimum lot sizing is 800m2.Large Lot Residential Zone (LLRZ): The subdivision standards in this zoning provide for a minimum lot size of 1500m2 other than in certain precincts (Precinct 1 – minimum lot size of 1000m2, Precinct 2 - minimum lot size of 3000m2, and Precinct 3 – minimum lot size of 5000m2).Subdivision projects can now potentially provide for a greater range of lot sizes and more intensive development in certain areas.However, it is recommended that any potential developers undertake a site-specific development appraisal with a team of experienced land professionals before considering any subdivision project.It must also be appreciated that some of the minimum lot size standards are subject to appeal.Adding a Minor Residential Unit (MRU)One of the more practical additions in the new residential zoning rules is the ability to potentially add a minor residential unit (MRU) without resource consent in certain zones.What is an MRU? An MRU is a self-contained secondary residential dwelling unit (sometimes referred to as a granny flat), that is built on the same property as the primary residence.Where is it permitted? The new rules provide for one MRU per principal residential unit on sites within areas zoned LLRZ, LRZ and MRZ, provided the MRU meets specific criteria, including complying with the maximum dwelling size (i.e. maximum floor area of 70m2 or 90 m2 including a garage), infrastructure requirements (must use the same servicing connections and accessway as the principal residential unit), and must otherwise comply with all other building standards applicable to the relevant zone.Benefits of an MRU:Provides additional accommodation for family members or rental income.Potentially increases property value and optimises land use.Helps address housing shortages in the region.Whether you want to build an MRU for extended family or as an investment unit, the updated zoning framework potentially provides more flexibility to make it happen. Key Growth AreasPlan Change 19 aligns with the Cromwell and Vincent Spatial Plans, targeting specific areas for growth and development:Alexandra, Cromwell, and Clyde: New medium-density zones have been provided for in designated central parts of these towns to meet increasing demand for a range of housing options in these growing urban hubs.North Cromwell: The plan introduces new proposed zoning for North Cromwell to potentially provide for smaller lot size options. However, this area is subject to several appeals which may not be resolved for some time.These updates aim to provide a range of housing options to cope with current and anticipated growth across the district.Why Work with Land Professionals?Navigating zoning rules, subdivisions, or planning an MRU can be complex, and there may be site-specific issues that complicate or prevent a project from proceeding.As such, it is advisable to take tailored advice from a team of experienced land professionals with knowledge of Central Otago property before embarking on any project.Getting Started Plan Change 19 opens up possibilities for property owners and developers in Central Otago. Whether you’re considering a subdivision, adding an MRU, or exploring the potential of the new rules, now is good time to consider your options.Checketts McKay Law have been advising on land projects in the district for generations and in recent years have helped property developers deliver some of Central Otago’s most significant development projects.

Living in Central Otago is a privilege many locals already enjoy—but even those who call this region home can discover new opportunities by exploring its diverse towns and lifestyles. Whether you're eyeing a quieter pace, more space for a growing family, or proximity to new amenities, moving within Central Otago could transform your lifestyle while keeping you close to everything you love about the region.Let’s dive into why locals are finding fresh reasons to make a move within this vibrant slice of New Zealand.Alexandra: A Thrill for Mountain Bikers and a Hub of GrowthAlready known for its sunshine and strong community spirit, Alexandra is fast becoming a go-to destination for mountain biking enthusiasts. New biking trails are drawing riders from across the region, putting Alexandra firmly on the map for outdoor adventurers.Beyond the trails, through Plan Change 19 new housing areas are getting a boost and it is setting the stage for significant residential developments, including the William Hill rural subdivision set to begin in 2025. The new Ngai-tahu development on the outskirts of Alexandra, and a couple of smaller subdivisions on the edge of Alexandra township, all bringing new housing options for buyers coming to Alexandra.While these developments promise growth, they also bring challenges, including increased wastewater demands, provision of green spaces, and roading issues. Nevertheless, Alexandra's potential expanded offerings, a great community, the great outdoors, and vibrant events like the Blossom Festival—continue to make it a prime choice for Kiwis and expats looking to relocate.Cromwell: Where Growth Meets OpportunityCromwell isn’t just for visitors—it’s becoming a hotspot for locals ready to embrace a more dynamic pace. With its vibrant town centre and growing residential developments, Cromwell is ideal for professionals, young families, and anyone wanting to stay ahead of the curve.The new Wooing Tree Estate offers stylish, family-friendly homes close to wineries and trails, blending modern living with rural charm. Locals moving here love the balance Cromwell strikes between tradition and opportunity. It’s still home to orchards and vineyards, but new developments and attractions like Highlands Motorsport Park which are turning Cromwell into a regional hub of innovation and entertainment.For those who enjoy a vibrant culinary and artisanal scene, Cromwell’s expanding offerings ensure you’ll never run out of new experiences.Clyde: Embracing Modernity While Preserving CharmClyde, a gem nestled in the heart of Central Otago, is evolving with care. The potential redevelopment of the Old Garage site and new housing opportunities on Sunderland Street are creating exciting options for those looking to move. Modern easy care townhouses are becoming an attractive alternative for retirees and professionals seeking low maintenance homes with smaller sections, and living with a touch of elegance.Clyde’s quaint main street retains its charm while catering to new residents, blending the old with the new seamlessly. The nearby Lake Dunstan Trail, Millenium River Track, and the mighty Clutha River provide endless outdoor activities, making Clyde an appealing choice for those seeking tranquillity with access to adventure.Shifting Demographics: Downsizing and OpportunitiesIntensive development across Central Otago is reshaping the region’s demographics. In areas like Alexandra, Cromwell, and Clyde, new housing is attracting more older residents from Wanaka and Queenstown who are looking to downsize, this trend is freeing up capital for retirees while prices are generally cheaper than our Lakes counterparts. Additionally many younger folk from near and far who are choosing to work from home, relish the outdoors that Central Otago provides, and gain valuable work life balance with no or little commuting.For those already lucky enough to call Central Otago home, these developments are creating new opportunities to refine your lifestyle without leaving the region. Whether it’s Alexandra’s vibrant community, Cromwell’s dynamic growth, Clyde’s cosy charm, or the slower, quieter appeal of Omakau, Ranfurly and Roxburgh, Central Otago offers endless ways to find your perfect place in paradise.Are you ready to embrace the next chapter? Let’s explore your options in Central Otago.

The Auckland storm and Cyclone Gabrielle in 2023 have significantly impacted New Zealand's home and contents insurance market. These catastrophic events rank as the second and third-largest insurance events in the nation's history, leading to substantial financial implications and shifts in the insurance landscape.Key Statistics from the Insurance Council of New ZealandAs of 1 March 2024, the Insurance Council reported the following claims:Auckland Storm: 59,067 claims, totaling $1.958 billion (up from $1.84 billion in September 2023)Cyclone Gabrielle: 58,347 claims, totaling $1.790 billion (up from $1.66 billion in September 2023)How Insurers Are Responding to Increased RiskInsurers are not only adjusting their reinsurance arrangements and premiums; they’re also using detailed land data to assess risks at individual properties.This allows them to identify high-risk properties for natural disasters, which can result in significantly higher premiums or even make it difficult to obtain insurance.Natural disaster events in New Zealand have become more frequent and costly.To put the scale of the Auckland storm and Cyclone Gabrielle in perspective, each of these February 2023 events cost insurers more than ten times the average large storm or flood event.The magnitude of these back-to-back events has also drawn global reinsurers' attention.As a result, premiums across the country have risen to offset the surge in claims and increased reinsurance costs.For example, as previously mentioned, one insurer’s reinsurance premium for 2024 now exceeds $2 billion annually.Global Trends in Property Insurance PremiumsNew Zealand is not alone in facing escalating insurance costs.Many other countries are also seeing catastrophic weather and fire events resulting substantial increases in premiums:Australia: House and contents premiums have risen by 28% to 50% in flood-prone areas, with some locations now uninsurable. About 12% of Australian households pay the equivalent of one month’s gross income for house insurance.  United Kingdom: A 2024 Financial Times report shows a 36% median increase in home insurance costs, driven by higher building costs and extreme weather.United States: In parts of the USA, the home insurance market is "crumbling" as insurers pull out of states with extreme weather events and wildfire risks. As a result, premiums are rising sharply. For instance, one report highlights a year-on-year premium increase of 208% for a modest home in New Orleans, with the new annual premium reaching around NZD 8,000.What is unique to New Zealand is that our premium pool is small on a global scale but, as a country, we have posted three catastrophic events that are noticeable on a global scale.Poor modelling of potential losses from the Auckland storm and Cyclone Gabrielle suggests that premium increases may extend over a longer period than seen in other countries.Insurers’ Cautious Approach to High-Risk PropertiesBeyond premium increases, insurers are taking a more cautious approach to properties in high-risk areas, such as coastal regions, flood-risk zones, and landslide-susceptible areas.Local authority land classifications add another layer of complexity, particularly when determinations are delayed.This can create uncertainty about the insurability of certain properties, as some Category 2 and Category 3 land may be deemed uninhabitable due to landslip or flood risks.Addressing Insurance Affordability ConcernsInsurance brokers are well-prepared to navigate these challenges.They provide guidance by regularly reviewing the sum insured to ensure it keeps pace with inflation, highlighting mitigation measures to insurers, and closely monitoring claims to ensure fair and timely settlements.Insurance brokers are increasingly concerned about the affordability of insurance.To help manage costs, they may negotiate premiums on behalf of clients. When needed, they can also suggest adjustments to coverage, such as reducing the number of insured perils, increasing excess amounts, or switching to instalment-based premium payments.These options are seen as more practical and secure alternatives to reducing the sum insured or cancelling coverage altogether.Commercial - Horticulture & Viticulture - Rural - Personal - Life & Health - Income Protection

We’ve all been there: you launch a new ad campaign, and the first thing you do is refresh the stats to see how many views, clicks, or impressions it’s racking up. It’s easy to get caught up in the numbers, especially when they’re staring you in the face. But here’s the thing—focusing solely on how many views an ad gets can lead you to miss the bigger picture.Views, clicks, and impressions matter, sure, but they aren’t the only indicators of success. Let’s talk about why it’s important to look beyond the numbers and focus on what really makes an ad campaign effective.1. The Right Audience Matters More than the Biggest AudienceSometimes a campaign with fewer views can be more effective than one with tons. Why? Because the right people saw it. Reaching a smaller, more targeted audience that’s genuinely interested in your product or service can result in higher conversions than reaching a massive audience that isn’t really aligned with what you offer.For example, an ad that gets 1,000 views but results in 50 leads is more valuable than an ad that gets 10,000 views but only brings in 10 leads. The point is, relevance and targeting are crucial—don’t let a dip in view numbers distract you from the fact that the people who are seeing your ad might be the ones who matter most.2. Brand Building Takes TimeAnother reason not to get hung up on short-term numbers? Brand building. Some ads won’t deliver immediate results, and that’s okay. Advertising is about more than quick wins; it’s about creating a lasting connection with your audience.Sure, the metrics may not show it right away, but ads help build recognition, trust, and loyalty over time. Think of brands you love—you probably didn’t make your first purchase after seeing just one ad. Studies show that customers need to see your brand at least seven times before they consider purchasing. Meaning it takes consistent exposure to shape opinions and foster long-term relationships with customers.So, don’t get discouraged if you’re not seeing instant results. Some of the campaigns with the most impact are slow burns.3. Long-Term Impact > Short-Term ResultsSometimes, ads don’t show their full impact right away. Someone might see your ad today, but not take action until weeks or months down the line. Especially in industries with longer buying cycles, immediate stats can be misleading.It’s important to consider the long game when evaluating your ad’s performance. Even if the numbers don’t jump immediately, the long-term benefits of a well-crafted ad campaign can far outweigh the quick wins.Look at your sales trends over a few months, monitor customer feedback, and see how your brand awareness evolves. Engagement often tells a much more meaningful story than sheer numbers. You want to look at the whole funnel, from first glance to final purchase, rather than just fixating on how many people saw your ad.4. Engagement Over EverythingA high number of views with no engagement can be a red flag. Are people commenting, sharing, liking, or clicking through? Engagement is where the magic happens, and it’s often a better indicator of how your ad is performing. It shows that your ad is resonating with the audience, making them stop and take notice.It’s easy to fall into the trap of thinking that just because an ad is seen by a lot of people, it’s successful. But passive views aren’t the goal. You want your audience to interact with your content, whether it’s through comments, shares, or taking that all-important step of clicking through to learn more.5. Creative is Just as Important as NumbersLet’s not forget the most important piece of the puzzle—your ad’s message and creativity. No amount of views will save a poorly executed ad. The creative elements—whether it’s a great story, compelling visuals, or a unique message—are what truly drive engagement and sales.Ask yourself: Is my ad clear? Is it compelling? Am I telling a story that resonates with my audience? If you can answer “yes,” then you’re on the right track. Even if the views aren’t as high as you’d like, a well-crafted message will still leave a lasting impression on those who do engage.Wrapping Up: It's About the Big PictureWhen evaluating the success of your ad campaign, it’s essential to look at the full picture.Views and impressions are only one piece of the puzzle. You also need to consider factors like audience relevance, long-term brand building, engagement, and the effectiveness of your creative message.So, next time you’re tempted to focus solely on how many people saw your ad, take a step back. Ask yourself: Is my ad reaching the right people? Are they engaging with it? Is it contributing to my brand’s long-term goals? If the answer is yes, then your ad is doing its job—whether or not the view count is through the roof.Remember, great marketing isn’t about chasing the numbers; it’s about connecting with your audience in a meaningful way that drives real results.

You may have read in the media over recent months about the case taken against Uber, where four Uber drivers who were engaged as independent contractors were held by the courts to be employees. Uber's appeal was dismissed. [More details on this case here].This decision has provided further clarity on how the courts will assess whether a contractor is, in all but name, in fact, an employee.To create more clarity on this matter, the government is proposing a new "gateway test" through an amendment to the Employment Relations Act.This test would be used by the Employment Relations Authority when a worker claims that they are an employee, not a contractor.A worker may wish to raise such a claim if they believe they are, in all but name, an employee and have missed out on minimum employment rights, such as minimum wage, annual leave, and other benefits afforded to employees.If the new test is adopted, it would mean that if a contractor challenges the true nature of the working relationship, you'd need to show:A written contract or independent contractor agreement is in place.The worker is not restricted from working for others.The contractor is not restricted to working set times, days, or for a minimum period, OR they can subcontract the work.The business cannot terminate the contract if the worker does not accept additional tasks.If any of these tests are not met, the Employment Relations Authority would apply the existing “real nature of the employment relationship” test found in section 6 of the Employment Relations Act, which would also take into account existing case law, such as the Uber case.This is still at the proposal stage, but it's worth noting if you currently engage contractors.At present, there are a number of industries where engaging contractors is the norm, however, it would be unlikely that a challenge would stand up to either the current test OR the proposed new gateway test.The possibility of such a challenge poses a very real financial risk for businesses. They could be liable for payments related to annual leave, shortfalls in minimum wage, unpaid taxes to the IRD, and any awards for actions (e.g., dismissal) that do not meet employment law standards.Additionally, there would be costs associated with legal advice, time lost from the business, and stress. Claiming "everyone else does it" would have no mitigating effect.If that sounded complicated, you're not alone!For practical and professional advice on how to apply the rules to your business, contact the team at EASI NZ. With our experience and expertise, we can help you find a tailored solution to meet your business needs, reduce your liabilities, and comply with employment law.So, perhaps it’s time to reflect—are your contractors really contractors?

The booming tourism industry in Lakes/Central Otago has significantly influenced the local real estate market over the past few years, particularly in hotspots like Queenstown Lakes, Wanaka, and Cromwell.With an influx of visitors drawn to the region's natural beauty, wineries, ski fields, the annual Alexandra Blossom Festival, bike trails, and outdoor activities, demand for short-term accommodations like Airbnb has surged.This in turn, has increased property values, making Central Otago a competitive market for investors and second-home buyers.Rising property prices have also pushed locals out of the housing market, creating concerns about affordability and availability of seasonal and long-term rentals.Another factor for the property market will be the proposed gold mine in Tarras by Santana Minerals, which introduces a potential game-changer for Central Otago’s economy and real estate market.If approved, the mine could attract a wave of workers and industry professionals to the area, potentially increasing demand for housing among potential buyers.This demand for property could further strain an already tight housing market, especially as the region balances tourism growth, seasonal worker accommodation, and the needs of local residents.However, it has also spurred the development of new housing and infrastructure projects, potentially easing some of the current shortages.Additionally, Ngāi Tahu has recently announced plans to develop The Pines area adjacent to the Alexandra Golf Course.Alongside this, several other developers are planning residential and rural subdivisions, including the old William Hill Winery site.These developments are expected to sustain Central Otago’s growth and provide buyers with more location options for building their homes.

Flood water can cause severe damage to your home, personal belongings, and indoor environment. Even just an inch of water can ruin carpeting, wallboard, appliances, and furniture. More extensive flooding can impact expensive systems like heating, air conditioning, roofing, sewage systems, utilities and foundations. Cleaning up after a flood is a time-consuming and difficult task, but following these essential steps will help you sanitise and restore your home effectively.Wear personal protective equipment (PPE)Floodwaters often contain harmful contaminants such as sewage, chemicals, and sharp objects. Always wear appropriate PPE, such as heavy-duty waterproof gloves, boots, and face masks, when handling flooded areas and items.Document the damage before cleaningBefore you start cleaning, it's important to document the damage. Take clear photos of water-damaged carpets, furniture, and belongings. If you're moving items outside, cover them with plastic to protect them until a loss adjuster can inspect them.Remove contaminated mudFlood water can contain many contaminants and lots of mud. Shovel out as much mud as possible from hard surfaces.Then, use a garden sprayer or hose to wash away the remaining mud. Once again always wear protective gear, including gloves, masks, and gumboots, when dealing with contaminated items.Check if the carpet be salvagedWhether or not you can save the carpet depends on the type of water and the extent of the damage:Grey Water: Water from within the home, such as rainwater entering through windows or the roof, which may collect dirt and dust along the way. Carpets exposed to grey water can typically be salvaged. Clean Water: Is any water that comes from uncontaminated sources such as taps or a hot water cylinder and poses no immediate health risks, making it easier to clean up and restore affected areasContaminated Water: Water that enters the home from external sources, such as roads, paddocks, or gardens, may contain sewage, harmful bacteria, chemicals, or fertilisers. If an entire room or the whole house has been flooded with this contaminated water, it is best to discard the carpet. However, if only a small area (approximately one square metre) is wet, there may be a chance to salvage the carpet. In this case, roll up the carpet and leave it outside for collection, while placing smaller items in bin liners. Remember to cut out a sample of the carpet and underlay, seal it in a bag, and keep it for the Loss Adjuster’s inspection.Clean and disinfect thoroughlyAfter removing any water and debris, begin cleaning and disinfecting all surfaces. If appropriate, hose out the floors and spray diluted bleach onto concrete or wooden surfaces, especially around skirting boards.For furniture and painted surfaces, any standard household cleaning spray can be used.For all areas:Scrub surfaces with hot water and a heavy-duty cleaner.Disinfect surfaces using a solution of ¼ cup (50ml) of chlorine bleach per 5 litres of water, or a disinfectant product specifically designed to kill germs.Immerse glass, porcelain, china, plastic dinnerware, and enamelware in a disinfecting solution of 2 tablespoons of chlorine bleach per 4 litres of hot water for 10 minutes, and then air dry (do not use a towel).Contact your insurance brokerIf your insurance covers flood damage, contact your broker immediately. They will arrange for a loss adjuster to inspect the property. While you clean, continue to document everything with photos and videos, as these records will be essential for insurance claims, disaster assistance applications, and tax deductions.By following these steps and keeping in close contact with your insurance broker, you can ensure a more efficient and thorough cleanup process after a flood.

“Investment is most intelligent when it is most businesslike.” - Benjamin GrahamBenjamin Graham is well known in the investment world as the father of value investing.Investing is a multifaceted endeavour that requires a keen understanding of the interplay between process, people, performance, and fees.Process: Building a personalised but disciplined approachTo be most business-like, you need a philosophy that combines discipline with flexibility, recognising that while the key investment principles remain constant, their application must be tailored to individual circumstances.Any investment philosophy must be grounded in the belief that long-term returns are achieved through a balanced approach to risk and reward, with a diversified investment strategy that aligns with one's financial goals and risk tolerance.This is where the significance of a process plays a part. This involves a systematic approach to making investment decisions, adhering to a well-defined investment plan, and remaining consistent regardless of market fluctuations.People: Selecting a trusted adviserThe 'people' aspect of investing refers to the professionals who manage investments and the investors themselves.In this aspect, it is key to stress the value of expertise and the importance of choosing advisers and fund managers with a transparent investment process and a track record of ethical behaviour and performance.An investor's behaviour, self-awareness and the ability to stick to a long-term plan are critical components of investment success.Performance: Prioritising consistency over high returnsPerformance is another key part of successful investment planning; investors need to be cautious against chasing after high investment returns without considering the associated risks.Instead, they need to focus on consistent performance that aligns with their investment objectives and risk profile.This approach helps in avoiding the pitfalls of market timing and speculative investments that may lead to significant losses.Fees: Understanding costs to maximise returnsLastly, fees play a crucial role in the investment equation.It's important to be cost-conscious when investing, where understanding and minimising investment costs and advice can significantly impact net returns over time.You need to be mindful of the costs incurred but also don’t lose sight of the other factors above and how these fit into the mix with fees. There may be a lower fee but when you apply the other factors such as people, process and performance the fee may be less important.At Collinson Wealth we adhere to these key principles when recommending the appropriate investments for our clients and as part of the planning process. We strive to distil complexity into simplicity so that our clients gain a deeper understanding of their own financial position.The information contained in this publication is general in nature and is not intended to be personalised financial advice. Before making any financial decisions, you should consult a professional financial adviser.Collinson Wealth Partners FSP 743091 believes the information in this publication is correct, and it has reasonable grounds for any opinion or recommendation contained in this publication on the date of this publication. 

The sad thing is there are no 'right' answers when it comes to depression, as everyone seems to have their own version of disappearing into the ‘kumara pit’ or being chased by ‘The Black Dog.’The ideas in this document are not meant to replace seeing a GP, going to a counsellor, or contacting qualified mental health services.Is work the right place?When someone is severely depressed, the only thing they can do is focus on getting out of bed and surviving that day. They have lost all concept of the future, and chances are they are sad/angry that they are in this state and sad/angry/fearful that they will never get out the other side.I understand that going back to work and staying busy does sound like a good option, because staying at home, doing nothing, and 'marinating in your own juices' may worsen your mental health symptoms.I also understand why an employer might be petrified that they could say or do the wrong thing when addressing an employee’s mental health concerns.What can you do?Here are a few things to think about beyond calling in Workplace Support or Employee Assistance Programmes:Look after yourself and other team members. Supporting a person through mental health issues can be harrowing and trigger your own problems. Look out for early warning signs, such as not sleeping, sleeping too much, not eating, eating too much, using alcohol or drugs as escapism, or being unusually obnoxious.Talking to the worker If they raise the issue of their mental illness, here are some helpful strategies:Things you can say:Start with “I’ve noticed…” then just listen.Use reflective listening techniques.Tell me more…And, what else…So, you think that…If they have experienced mental health conditions before, remind them that they did get through it before (hope is important).Help them get the support they need (see the list of resources at the end).Things to avoid:Making it all about you: “I/my friend/another worker went through the same thing…”Telling them they just need to “get over it” or “think happy thoughts” (that’s like telling someone with an amputation to stop bleeding).Changing the topic or dismissing it: “It’s not that bad; we need to focus on the next project.”Key steps moving forward:Have an open discussion with the worker, acknowledge their mental health concerns, and express that they are a valued and important member of the team.Every morning, ask them how they are doing on a scale of 1-10, with 1 being ‘I want to go back to bed’ and 10 being everything is awesome.If they give a low answer, ask them if they want to be at work or go home. NB: If you send them home, make sure you let their ‘emergency contact’/'next of kin' know.Give them tasks that are easy to achieve, where they are working with someone else or within line of sight.Play the 'I noticed' game; no matter how small, celebrate the wins. Building back their self-confidence and showing them that they are valued/valuable is an important part of mental wellbeing recovery.If they talk about 'topping' themselves, call their emergency contact and let them know immediately.Other warning signs are giving away prized possessions, "tidying things up" (emptying locker, paying off bills, organising for animals to be looked after) as if they were going on holiday, or being falsely 'over the top' happy for no apparent reason.If they are on medication for mental health conditions, as they get better, explain that if they are going to go off the meds, they have to let their manager know so they can support them. Going cold turkey can cause a catastrophic relapse.ResourcesIf you or someone you know needs help right now, you can free call or text 1737 any time for support from a trained counsellor through NZ Telehealth Services.You can also call:MATES in Construction 24/7 Helpline 0800 111 315 or free text 5353Lifeline – 0800 543 354 (0800 LIFELINE) or free text 4357 (HELP)Suicide Crisis Helpline – 0508 828 865 (0508 TAUTOKO)Healthline – 0800 611 116Samaritans – 0800 726 666Health Improvement Practitioners via your GP should be available to see you the same day to discuss mental healthThese websites might also be useful:Mental health services for ongoing illness: WorkwiseMike King's foundation: Key to LifeSuicide support and prevention: NZ Mental Health FoundationManaging mental health concerns at work: WellPlaceNZSupport for young people: The LowdownFeeling supported at work: Depression.org.nzWellbeing strategies: Umbrella Wellbeing

In New Zealand, planning for the future includes making provisions for how your personal and financial affairs will be managed if you lose the capacity to make decisions for yourself. This is where an Enduring Power of Attorney (EPA) and the Protection of Personal and Property Rights Act (PPPRA) applications come into play. Both are essential legal tools that ensure your interests are protected, but they serve different purposes and are activated under different circumstances. This article explores the roles of EPAs and PPPRA applications, highlighting their importance and how they work. What is an Enduring Power of Attorney (EPA)? An Enduring Power of Attorney (EPA) is a legal document that allows you to appoint someone (known as your "attorney") to make decisions on your behalf if you become mentally incapacitated. There are two types of EPAs in New Zealand: Property EPA: This authorises your attorney to manage your financial and property affairs. You can choose for this EPA to take effect either immediately or only if you lose mental capacity. The attorney's duties might include managing your bank accounts, paying bills, and making decisions regarding property investments. Personal Care and Welfare EPA: This allows your attorney to make decisions about your personal care and welfare, such as medical treatment and living arrangements. However, this type of EPA only becomes active if you are declared mentally incapable by a medical professional. Why is an EPA Important? Establishing an EPA is crucial for ensuring that your affairs are managed according to your wishes if you can no longer make decisions for yourself. Without an EPA, your loved ones may face significant legal and financial hurdles to take control of your affairs, potentially leading to delays and decisions that might not align with your preferences. Additionally, an EPA can help avoid conflicts among family members by clearly specifying who has the authority to act on your behalf. The Protection of Personal and Property Rights Act (PPPRA) The Protection of Personal and Property Rights Act 1988 (PPPRA) is New Zealand’s legal framework for protecting individuals who are unable to manage their own affairs due to mental incapacity. If a person does not have an EPA in place and loses capacity, the PPPRA provides for the appointment of a welfare guardian or a property manager through a court application. PPPRA Applications: When and Why They Are UsedIf someone becomes mentally incapacitated without having an EPA, concerned family members or other interested parties can apply to the Family Court under the PPPRA. The court may appoint: Welfare Guardian: A welfare guardian is appointed to make decisions about the person’s personal care and welfare. This role is similar to that of a Personal Care and Welfare EPA, but it is granted by the court when there is no EPA in place. Property Manager: A property manager is appointed to handle the financial and property matters of the person who has lost capacity. This role is similar to that of a Property EPA. PPPRA applications are typically more complex, time-consuming, and costly than setting up an EPA in advance. The court carefully considers these applications to ensure that the appointed person is suitable and that the decisions made will be in the best interests of the incapacitated individual. The Relationship Between EPA and PPPRA While both an EPA and PPPRA applications aim to protect individuals who can no longer manage their affairs, the key difference is that an EPA is set up by the individual themselves while they still have mental capacity, whereas PPPRA applications are made to the court after the individual has lost capacity. Having an EPA in place reduces the need for court intervention, allowing for a smoother transition of decision-making authority.  Conclusion In New Zealand, planning for the possibility of losing mental capacity is an essential part of safeguarding your future. An Enduring Power of Attorney allows you to designate someone you trust to manage your affairs, while PPPRA applications serve as a safety net when no EPA is in place. By understanding and utilising these tools, you can ensure that your personal and financial matters are handled according to your wishes, providing peace of mind for both you and your loved ones.Contact one of our offices to set up your EPA - Checketts McKay Law works for you.FAQs What happens if I don't have an EPA? If you don't have an EPA and lose mental capacity, your family or other interested parties will need to apply to the Family Court under the PPPRA, which can be a lengthy and costly process. Can I have more than one attorney under an EPA? Yes, you can appoint more than one attorney, either to act jointly or separately. It's important to consider how multiple attorneys will work together.How do I revoke an EPA? As long as you have mental capacity, you can revoke an EPA at any time by notifying your attorney and destroying the original document.