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.

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.

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 Water Services Act 2019 was part of New Zealand's broader Three Waters Reform, it was not repealed with the other Three Waters legislation following the change in government.  The Act introduces significant changes and responsibilities for landowners who supply drinking water. Here are the key points relevant to landowners:Definition of Supplier: The Act broadens the definition of a water supplier to include anyone supplying water to others, even if it's just a neighbour. This includes private bore owners and those with small water schemes. If you have a bore on your property and it’s shared by a neighbour, then you are a water supplier.  If you have a water supply on your property and it also supplies workers accommodation, then you are a water supplier.Registration and Compliance: Landowners who supply drinking water must register their supply with Taumata Arowai, the new water services regulator. You will need to develop and implement a drinking water safety plan and comply with drinking water standards, which include both safety and aesthetic (taste, smell, appearance) requirements.Risk Management: Suppliers are required to notify Taumata Arowai and local authorities of any risks or hazards to the water supply. They must maintain comprehensive records of their compliance and monitoring activities.Monitoring and Reporting: Water quality must be regularly tested in accredited laboratories, and suppliers must provide information and a complaints process for water consumers. This ensures transparency and accountability in water safety. The level and timing of testing will depend on how many end users are being supplied.For example: A very small community (25 or less end users) needs to check for E. coli and total coliforms every six months. A Small supply (26 – 100 end users) needs to check for E. coli every three months.Penalties for Non-Compliance: Significant penalties exist for non-compliance, including fines up to $50,000 for individuals and $200,000 for corporate bodies. There is also provision for private prosecution if regulatory bodies do not act on complaints.Impact on Property Arrangements: The Act can complicate property arrangements and resource consents, especially for those with water easements or who supply water to others. This could lead to increased costs and administrative burdens.Understanding these requirements is crucial for landowners to ensure they remain compliant with the regulations and avoid significant penalties. It may be time to review the easements registered on your title and look to share the supplier burdens with all users. For detailed guidance, contact your local Checketts McKay solicitor.

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

Are you a trustee of a trust? If so, it’s time to take a closer look at your trust in light of the changes brought about by the Trusts Act 2019 (“Act”). While it may seem like a chore, reviewing your trust is essential for several reasons; ensuring that the trust remains effective, compliant, and serves its intended purpose. The Act introduces new requirements and obligations for trustees, enhancing transparency and accountability within the trust administration process. The Act imposes obligations on trustees to provide information to beneficiaries and keep them informed about the trust’s administration. This means trustees must maintain accurate records and be prepared to disclose information when requested. If your trust has been operating under a veil of secrecy, now is the time to reassess its transparency practices. A review allows trustees to assess the ongoing relevance and effectiveness of the trust structure in light of changing circumstances. Over time, the needs and objectives of the settlor and beneficiaries may evolve, requiring adjustments to the trust deed or its administration. By conducting a thorough review, trustees can identify any inconsistencies or gaps in the trust's provisions and take the right steps to address them.Furthermore, reviewing the trust provides an opportunity to evaluate its financial performance and asset management strategies. Trustees must ensure that trust assets are being managed prudently and in the best interests of the beneficiaries. Assessing investment strategies, risk management practices, and compliance with legal and regulatory requirements can help trustees safeguard the trust's assets and optimise returns for beneficiaries.Conducting a regular review of the trust demonstrates diligence and good governance on the part of the trustees. It fosters trust and confidence among beneficiaries and other stakeholders, reinforcing the integrity of the trust structure and its administration.To navigate these changes and safeguard your trust, get in contact with Checketts McKay Law. Their expertise can guide you through the process, providing peace of mind and clarity around your trust. Trust in their experience to secure your trust’s future.

As we navigate an era marked by rapid technological advancements, shifting societal values, and global interconnectedness, the landscape of leadership is evolving.For those aspiring to lead in the future, understanding and adapting to these shifts is not just important—it’s essential.Let’s explore the top five leadership qualities that will shape the leaders of tomorrow.1. Emphasis on Emotional Intelligence (EI)In the future, emotional intelligence will be a cornerstone of effective leadership.The ability to understand, manage, and harness emotions—both your own and those of others—will become increasingly important.Effective leaders who excel in EI are better equipped to foster strong team collaboration, improve communication skills, and create a positive, productive business environment.As remote work continues to rise, connecting on an emotional level, even across digital platforms, will be an essential leadership skill.2. Adaptability and AgilityThe future is anything but predictable.Future ready leaders will need to be highly adaptable and agile to thrive in an environment of constant change.Whether it’s adjusting to new technologies, responding to shifting market demands or navigating unexpected global events, the ability to pivot quickly and effectively will set successful leaders apart.This isn’t just about reacting to changes—it’s about being proactive, embracing continuous learning, and being proactive in your approach, which is a critical skill in today’s dynamic world.3. Inclusivity and DiversityInclusivity and diversity are no longer just buzzwords—they are essential elements of effective leadership.Leaders must champion diverse perspectives and cultivate inclusive environments where every team member feels valued and heard.This approach doesn’t just drive innovation—it enhances problem-solving, improves decision-making, and ultimately leads to better business outcomes.4. Technological SavvyWith digital technology embedded in every facet of business, future leaders must be technologically savvy.This doesn’t mean becoming an expert in every new tool or platform, but rather having a solid understanding of how digital technology can be leveraged to enhance efficiency, drive innovation, and gain a competitive edge.Staying informed about emerging tech trends and understanding their potential impact will be key to maintaining relevance and driving success.5. Ethical LeadershipEthics will be a defining characteristic of future leadership.In an age where information is abundant and transparency is expected, leaders must prioritise ethics in their decision-making processes.This involves being accountable, upholding integrity, and making decisions that align with both organisational values and broader societal expectations.Effective leaders know that ethical leadership not only builds trust—it sets the standard for the entire organisation.The Path ForwardIn conclusion, the leaders of the future will need to master a blend of core skills such as emotional intelligence, adaptability, inclusivity, technological insight, and ethical integrity.These qualities are not just about surviving in a complex world—they’re about thriving and inspiring those around you. Embracing these traits and investing in professional development will help you not only succeed but also elevate your team and organisation to new heights.The future of leadership is bright, and it’s yours for the taking.

Many borrowers across the country breathed a sigh of relief recently when the Reserve Bank decided to cut interest rates by 0.25 basis points in response to a weakening economy and inflation nearing their target range. Though a modest change, it signals a gradual decline in interest rates for the foreseeable future.Kiwibank was quick to respond, lowering rates soon after the announcement, followed closely by other major banks such as ASB and ANZ.The impact on New Zealand’s housing market will be varied. As a softer labour market, job security and costs of living continue to influence activity and values. However, the property market in Central Otago has shown remarkable resilience and growth, with key metrics indicating a positive trend.Search activity on Trade Me Property in Central Otago has increased by 12% compared to July last year, suggesting growing interest from potential buyers and investors. New listings on Trade Me at a regional level are up by 23%, highlighting a strong supply of properties entering the market. While Otago, as a whole, has seen an even greater increase of 39%, the growth in the Central Otago district is particularly significant, reflecting the region's appeal. This surge in listings not only offers more houses for sale for potential buyers but also demonstrates the confidence of sellers in the market’s potential.Properties listed on Trade Me are now selling 2% faster than before, a clear sign of the high demand for homes in Central Otago. The demand for properties is increasing and buyers are acting quickly. Central Otago is becoming a competitive real estate market where well-priced homes are swiftly snapped up. Properties priced under $800,000 are the most popular in Central Otago, with searches and sales in this price range increasing significantly over the past three months. This mirrors a national trend in New Zealand, where there is strong buyer interest in more affordable homes. The surge in this segment reflects the region’s accessibility to a broader range of buyers, including first-time homeowners and investors looking for value.The latest figures show that house prices in Central Otago have risen by 4%, according to the most recent price index. This steady increase in property values indicates strong demand for real estate in the area, making it an attractive destination for both investors and homeowners seeking long-term gains.Out of 70 areas across New Zealand, Central Otago is one of only three regions experiencing growth in the property market. This unique position underscores the region's appeal, driven by its scenic beauty, quality of life, and investment potential. As Central Otago continues to thrive despite economic challenges, the region’s unique blend of opportunity and appeal makes it a standout destination for both local and international home-buyers alike.

It’s that time of year here in the mountains where the weather can wreak havoc for business owners.Not through flooding and hurricane-force winds but through employee absence over a period of time, when a heavy snowfall seems to oddly coincide with a wave of illness that runs through town… So, what to do?There are a number of factors at play here – first, let’s talk about the statutory side of this – the obligations between you, the employer, and your employee.Assuming your Employment Agreement stipulates certain hours, there is an obligation on the employee to make themselves available for these hours. But of course, genuine reasons for absence such as sickness are an exception to this.You can request a medical certificate, however, if they have been sick for less than three calendar days, the business must cover the costs of obtaining it.So, whether you wish to pursue this perhaps depends on how big an issue it is and whether you suspect the employee might be taking advantage of their sick leave. Catching a False Sick DayIf you take the "sick employee’s" word but then discover that they had, in fact, been up the mountain, it could be that a conversation is necessary – an employment relationship should be one of good faith, trust, and confidence.If this trust is damaged, you can go down the path of investigating if there is a misconduct issue.However, we would suggest having an informal conversation first, hearing your employee’s side of the story, and letting them know the impact it has had on your business and what behaviour you would prefer to see in the future. Is there potential to foster more work-life balance?The other aspect of all of this is the human and work culture side.Presumably, your employee LOVES the snow – is there anything you can do to support this so that they don’t feel they need to pull a sickie? Is there flexibility in the business that if they can see a big powder day coming, that they can work those hours at a different time or swap shifts with someone else?This won’t be possible for all businesses, but we would suggest thinking carefully about it, and if there’s not, explaining the reasons to your employees.If you can figure out a way to deal with this that encourages honesty and allows your employees to enjoy those one or two powder days (yep, the reality is they don’t come by that often), then this could do wonders for their loyalty, productivity, and your reputation as an epic employer.  Need some help?If you are looking for more guidance or advice on Employment Agreements, Employment Issues, or facilitating open conversations, please reach out to our team at [email protected], and we can chat through some options with you.  

Here in Central Otago, where the scenery is breathtaking and the community is tight-knit, running a business can be both incredibly rewarding and challenging.Whether you’re a bike shop owner in Clyde, a boutique shopkeeper in Cromwell, or a winery operator in Alexandra, one thing is clear: digital marketing is no longer a luxury; it’s a necessity. Let’s dive into why embracing digital marketing can be a game-changer for your local business.1. Reach Beyond the Main StreetGone are the days when word-of-mouth and a good spot on the main street were enough to keep your business bustling. While these are still important, digital marketing opens up a whole new world. With a well-maintained online presence, your business can reach potential customers who might not drive past your shop every day. Think about tourists planning their visit to Central Otago or locals looking for the best new spot in town. A strong digital footprint ensures they find you first.2. Cost-Effective AdvertisingLet’s be honest, traditional advertising can be pricey. Newspaper ads, radio spots, and flyers add up quickly. Digital marketing, on the other hand, offers cost-effective solutions that fit any budget. Many digital platforms such as social media or online apps allow you to target ads specifically to people in our region. This means you’re not wasting money reaching folks who are too far away to visit your business.3. Engage with Your CommunityOne of the best aspects of living and working in Central Otago is our sense of community. Digital marketing helps you tap into this by engaging with your customers in real-time. Share updates about your business, celebrate local events, and respond to customer inquiries quickly. This not only builds loyalty but also makes your business a valued part of the community.4. Showcase Your Unique StoryEvery business in Central Otago has a unique story. Whether it’s your family’s history of winemaking or the passion behind your handmade crafts, digital marketing gives you the platform to share it. Create a blog, post videos, and share photos that highlight what makes your business special. People love supporting local businesses with a story they can connect to.5. Stay CompetitiveEven in our beautiful slice of New Zealand, competition is fierce. Digital marketing levels the playing field, allowing small businesses to compete with larger ones. A well-designed website, active social media pages, and positive online reviews can set you apart from the competition. It’s all about being where heaps of your potential customers are—online.6. Measure Your SuccessOne of the biggest advantages of digital marketing is the ability to track and measure your efforts. Unlike traditional marketing, where results can be vague, digital tools offer detailed analytics. You can see which posts get the most eyes on them, what people like and don’t like, how many people visit your website, and what products are most popular. This data is invaluable for making informed decisions and improving your strategy.Getting StartedIf you’re new to digital marketing, don’t worry—it’s not as daunting as it seems. Start small. Create a Facebook page, set up an Instagram account, or revamp your website. There are plenty of resources and local experts who can help you along the way. 

Having a valid will is essential for alleviating the stress of your family members in an overwhelming and confusing time and allows for your estate to be administered smoothly. We have outlined the main steps involved in the legal process below:Importance of having a willIt is important that each of us, especially after acquiring belongings or assets, has a valid will. A will is a legal document that sets out how you would like your property (called your estate) distributed after your death. It may also include directions for funeral arrangements. Each will must have at least one executor, who should be a trustworthy individual who would be capable of assisting with an estate. A will sometimes appoints multiple executors, but this can complicate decision-making. It is recommended that you review and update your will regularly, especially after major life events. Wills must be drafted in proper form to be legally binding, so it is important that you consult a legal professional for advice and to assist with preparation and execution. Any mistakes can be costly when it comes time to administer your estate.Upon the death of a loved oneThe death must be registered with the Department of Internal Affairs within three working days of the burial or cremation, you will need the record of death signed off by a medical doctor or coroner if the death is unexplained. After this, you will receive a copy of the death certificate that can be used as proof of death. You should then check if the deceased person left a will. If you cannot find it, you can contact their lawyer who may have it on file or can help you locate it. Applying for probate If the value of the estate exceeds $15,000, the executor will apply to the High Court for legal authority to administer the will, called probate. This process must prove that the executor is acting upon the will-maker’s wishes. You will need to provide the original will and the estate lawyer and the executor will need to complete the High Court probate application. The court will then issue an order for probate confirming the executor’s authority and the executor will have access to the estate for distribution. The administration and distribution process is usually managed via the estate lawyer on the instruction of the executor.If the value of the estate does not exceed $15,000, it may be dealt with by the next of kin without a court order, unless there is a dispute as to who will be the administrator. Dying without a will If someone dies without a valid will, this is called dying intestate. Instead of probate, for a larger estate you will need to apply for ‘letters of administration’. This is similar to the probate process, but you will need to prove that you could not find the deceased’s will and that the intended beneficiaries (those to inherit) had a relationship with the deceased. The appointment of the administrator and the distribution of the estate is managed in accordance with the Administration Act and the applicant will normally be the spouse or partner or parents or children of the deceased.Settling the estate You must lastly settle the estate according to the will or the Administration Act. You must pay any debts, taxes or expenses from the estate, collect any money or property that is owed to the estate, and distribute any remaining assets to the beneficiaries. You may need to provide a final account to the High Court so the executor and the estate lawyer should keep accurate records of any transactions.  ConclusionThis article has outlined the main steps involved in the legal process following the death of a family member or loved one in New Zealand. This process can be complex and time-consuming, so it is strongly recommended that you seek legal advice at any step along the way. You can also find more information and resources on the following websites:Department of Internal Affairs: https://www.dia.govt.nz/Citizen’s Advice Bureau: https://www.cab.org.nz/Inland Revenue: https://www.ird.govt.nz/