Interesting. Nothing in there though about what proportion of those mortgages are for primary residences. What’s the likelihood of over-55s also having ‘investment’ properties?
New data from credit score provider CreditSimple.co.nz shows New Zealanders over 55 are an increasingly large percentage of bankruptcies.
They now represent 27.8 per cent of all bankruptcies, up from 20.6 per cent in 2010.
CreditSimple spokeswoman Hazel Phillips said her organisation’s staff had reported from their conversations with older people that many said they were struggling to make ends meet.
Sure is. Perhaps now the olders will start to take real notice of what is happening in NZ to the youngers, because if they don’t the powers that be will come for them and they will feel the same abandonment as the discarded precariat of the young.
A lot of people caught up in the ‘leaky building’ had to remortgage, many lost money in the financial scandals and most banks now are offering 30 year mortgages, so people will have to pay well into retirement a mortgage, in many cases. Not only that, as employee’s head into their 50’s they are made redundant – there is seems zero government controls in place for any sort of stability – most people’s lives now are dependant on market forces and can be bankrupted by unsafe cladding, financial mismanagement, losing their job for no reason and having to be in debt for longer in our low wage economy making it difficult to pay off debt quickly.
Incompetent people in Government and Councils changing the Building Codes and abandoning the Apprenticeship Schemes and guess who the neoliberal National Government ?
This is the way I see it too. I wouldn’t mind so much if the people with far more money than they need were not so obvious. I don’t envy them, just feel like they are a different sort of human being, like I have to behave differently around them. I feel uneasy in a way I never did growing up here. People seem separated in some way. Hard to put a finger on it. When I was younger in NZ I always felt we were in it together. Not so much these days. It’s a lonely country. Lonely and anxious.
All very well to use averages
” 55 and over with a home loan have an average mortgage of $393,229.”
But what is the median. There are plenty of rich older people in Auckland too For those working , the last 10 years are normally the peak income years.
In general terms they will be more people retiring with a mortgage than there used to be- when the goal was to reach early 60s mortgage free.
The median or average is largely irrelevant in this instance as it’s the growing amount struggling under the pressure and going bankrupt that is the concern.
Auckland has 240 residents worth at least $30 million each. So not a large percentage of the population is of high wealth.
child poverty is the result of parent poverty. It’s just that those crunchy do nothing dudes and dudettes that hope that the market will fix it might – might care about children. But then, as the last few years showed there are few in NZ that give a dime about poverty in general.
More interesting to me would by why do these people own on their mortgage? I know quite a few people that have increased their mortgage to buy stuff that has got nothing to do with the house/mortgage itself, some of them in the over 55 range – as a friend of mine put it while buying a third motor bike ‘ i won’t be getting any more loans as i am getting too old’. Mind this friend is also in a position to keep on working until he drops dead.
“More interesting to me would by why do these people own on their mortgage?”
As pointed out by savenz. A number have fallen victim to finance company collapses, had to refinance to repair their poorly built home, or have been made redundant. Some have gone through expensive separations, others have fallen victim to bad health or bad luck. And some would have been as a result of poor fiscal management.
A number have businesses secured against property, which may have not performed too well.
I also know some that have bought several houses in Akl over the last few years – as i was told they want to have a ‘livestyle’ when they are eighty – and these houses will bring them easily to about 2.5 million in mortgage debt. Will they have been able to pay these of by the time they retire? Nope, not a chance in hell. However they can sell one – hopefully make enough cash on that to pay a mortgage or two.
so we really need a break down to see what the numbers are.
And i consider anyone who has mortgage debt due to ‘frivoulous’ spending – like my mate with the bikes – or needing several million dollar properties to fund their future lifestyle in that category.
then you have those that might have gone back into debt due to illness.
then you have those that might sold a property due to divorce and then bought again a property on their own.
all these are quite different reasons for being in debt by the age of 55 and over.
One reason i have not re-started my business is that the bank wants to use my property as a security. The whole loan is literally predatory. So here we go, i don’t work, staff that i would have employed is not working, and i don’t have debt. But the banks are not helpful.
But essentially we are all guessing as to why people are in debt and by how much and so on.
Part of the damage from our economy’s fixation with property has been the narrowness of our financial sector’s ability to manage risk – so the best they can offer is to tie a small business’s potential liability to something they can grasp – a house. Stifles NZ hugely.
It’s been an interesting week for our campaign. I have had dozens of library and ex-library staff communicating privately and confidentially with me. About a week ago I was sent screen shots of a dozen internal emails from library managers seeking relief cover for a total of 71 shifts of 6 or more hours in July. We were also aware that management’s self-imposed deadline of having all staff in new roles by July 1 wasn’t going to be met, that departing employees had been asked to stay on longer, and, unbelievably, some branches were so understaffed Madison Recruitment was supplying temps.
Apparently the libraries’ computer system is so complicated that temps will struggle to perform even tasks we’d think are straightforward, like shelving.
Love Our Libraries raised the alarm on Monday by emailing every Local Board in Auckland.
By the end of the day, management responded to attempt to refute our claims.
We wrote to the boards again the next day and provided more information.
We did get management to admit temps were being used: just 20 over July-August (less than 2% of the workforce–not quite if there are ca. 700 staff left).
The possibility of “rolling closures” hit the media thanks to a piece by James Pasley on stuff.co.nz which has also run in different local suburban newsletters.
I’m told library managers have cautioned staff ( not for the first time) not to speak to the public, media, or members of Love Our Libraries, especially about staff shortages.
The emails seeking relief staff have been removed and temps will be used.
Meanwhile I was sent a cautionary letter by Dean Kimpton, Auckland COO. He was objecting to what he termed “personal attacks” I’ve made in the Libraries General Manager. While I admit on a few occasions I’ve indulged in a catty crack, it is very hard not to absorb and reflect the utter disdain her underlings have for her and I will continue to raise doubts about her professionalism and ability to carry out the Fit for the Future reforms. It’s ironic for Kimpton to ask for respect for her when our city’s librarians have had to cope with a year of uncertainty, secrecy, and paranoia. How is forcing so many workers to reapply for jobs they’ve done competently for years, so you can save a few bucks by compressing and rotating their schedules, not a form of disrespect?
Our Facebook group is public. Please visit and join. We will continue to document and call attention to the travesty that is Fit for the Future. http://www.facebook.com/groups/loveourlibraries
This morning on Kim Hill interesting on present and future speaker. Audio later.
8:09 Johan Rockström – Planetary boundaries
The Hillary Institute recently announced Sweden’s Johan Rockström as the global Hillary Laureate for 2017. The Institute, inspired by Sir Edmund Hillary, aims to support leaders working in the areas of climate change, poverty, disease, peace, and justice. Johan Rockström is the director of the Stockholm Resilience Centre and a professor of environmental science at Stockholm University.
He is recognised for his work on global sustainability, and helped lead the team of scientists that presented the planetary boundaries framework, first published in 2009.
The nine planetary boundaries are systems that regulate the Earth’s stability and resilience – the interactions of land, ocean, atmosphere and life that together give a ‘safe operating space for humanity’.
Four of the planetary boundaries have now been crossed as a result of human activity. Rockström advises several governments and business networks including the UN and the World Economic Forum.
Dick Quax is advocating selling a share of Watercare to the NZ Super Fund and ACC.
By selling an ownership stake in Watercare, the council would not lose any dividends. Watercare is currently prohibited by legislation from paying a dividend.
.
However, doing so would establish a dividend stream for itself and it’s stakeholders.
Which brings us to the pitfall. The increase in water charges required to produce this new revenue stream would effectively fall back on ratepayers, effectively making it little different than a rates increase, thus defeating the objective.
Water, dividend streams, the language is liquid, the thinking is languid, the zeitgeist is addiction to money; squeezing the public until all their money sources dry up.
Of course you can apply as much creativity to this problem as desired, there are simply no cleaver ways of arranging the accounts which don’t have this flaw. In order to increase the available finance either the public sector needs to run a deficit or the private sector needs to run a deficit, there is no other possible way to increase finance.
The problem for the Auckland council being its beholden to central government in many ways for any deficit spending it wants the public sector to undertake.
What Watercare is trying to explain with its accounting is that its not a profitable business undertaking. Auckland can have access to water at a reasonable price, or it can have a profit making water enterprise. Its impossible for it to have both.
Here is a discussion of Stuart Chase which explains how Auckland should look at the question, should Aucklanders have public access to water. http://bilbo.economicoutlook.net/blog/?p=36218
Interesting take on NZF and Winston Peters by Chris Trotter.
Peters in particular, has always taken care to offset his ferocious rhetorical forays into such fraught areas as Maori-Pakeha relations and Asian immigration by offering the public his most mischievous of conspiratorial grins. As if to say: “What did you think of that? Impressive? Good. Just don’t take any of it too seriously!”
As the years have passed, however, New Zealand’s “populism with a smile” has become increasingly difficult to sustain. In relation to the rest of the world, the Alliance and NZ First were movements ahead of their time. Over the past two years, however, the global populist herds have overtaken us with a feral strength not encountered since the darkest years of the 1930s. And, while anger has always driven populism forward, today’s populists are super-charged with unreasoning hatred and rage. https://www.stuff.co.nz/national/politics/opinion/94077868/chris-trotter-can-winston-peters-populism-with-a-smile-survive-in-the-age-of-anger
U.N. human rights experts on Friday said the trial of a prominent Vietnamese blogger did not meet international standards and appeared to be aimed at intimidating environmental activists.
Can’t help feeling the vehement opposition to voter i.d. by the democrats is a bit of a free shot for the reblubiblubs. Though demanding individuals’ vting histories is sinister. I guess they mean whether someone voted rather than for whom but still..
Stanley Kubrick did indeed film the moon landings, but he was such a perfectionist that he insisted that all the hardware worked and he filmed them on location. 🙂
Because the majority of people didn’t trust him or his party national, because of all the lies he told on tv about his cover up in his old electorate, and they therefore voted for labour and the greens instead.
Marty, for such a switched on guy, given the current scandal around Labour that may blow sky high, you should hold off crystal gazing.
But seeing we are crystal gazing, I expect Andy to tender his resignation of the Labour Party on election night. Unless he is a masochist, of course.
One last prediction: if Andy doesn’t step down after losing the election, the bloodbath that follows will have the National Party moving from being a political party to a National institution.
Get to know the voters in the ‘real world,’ not the rhetorical world.
@ Blade, So are you supporting the the third Tory way – neoliberalism – handouts for corporations and money for the most greedy not matter what gender or race.
or the current fourth Tory way aka Trump style handouts for corporations and cronies, reduce democratic rights and have a war on race, money, religion and gender (kinda DUP + UK conservatives as well as Trump when you think about it).
P.S. What are your thoughts on Billy Boy’s chances of being rolled before the election – I’d say 30% chance of Billy being rolled – he’s not a good liar which does not help the Nats chances.
”Blade, So are you supporting the the third Tory way – neoliberalism – handouts for corporations and money for the most greedy not matter what gender or race. ”
No, but you are right about corporate welfare. Hence my previous comment:
“No, the Tories are old Labour. Handouts for everyone.”
Substitute State organisations for corporations.
Look, I will let you in on a secret- if you continue to talk of the greedy rich, Labour will have no chance of re-election. Real world voters aren’t interested in the greedy rich…they want to know what’s in it for them. They accept-unlike folk on this site- that some people will always be privileged. Fact of life.
That’s why they call Labour the party of envy. You guys can’t get past believing the world should always be fair.
Bill has no chance of being rolled unless he is caught importing cocaine. Voters like his steady hand. However, I believe Paula Bennett maybe the next leader off the rank, sooner rather than later.
Blade – I never mentioned the ‘greedy rich’ only the ‘greedy’.
I have zero problem with wealthy people , only with Greedy people.
Huge difference.
And I do agree with you about those banging on about greedy rich will not help Labour in the election because being wealthy is desirable by many including the poor and wealth means something different to everyone.
I certainly don’t envy people who work hard and are successful and become wealthy but I do despise those that are too greedy. I think good on corporations and individuals that create well paid jobs and treat their staff fairly and pay their taxes fairly.
Handouts for billionaires are greedy. Corporations not paying local taxes are greedy. Corporations and the individuals closing down factories and putting people out or work are greedy especially after sucking the company dry with personal renumeration payments.
The National party has become a party for the Greedy not the wealthy and that is why NZ First and Labour and Greens will win the next election if it is run in a fair way.
As for Bill, I think he’s Natz best bet but has the odds against him cleaning up Key’s dirty tricks, but relying on ex Benny Bennet who’s sucked off the state her whole life is not exactly a roaring CV for the National voter – so good luck there – having her succeed Bill!
Face it, the Nats have less talent in their MP’s than Labour.
That’s why they call Labour the party of envy. You guys can’t get past believing the world should always be fair.
Firstly, that’s not what “envy” means.
Secondly, why shouldn’t people want the world to be fair? Sure, we should all recognise the world is a brutally unfair place, because the benefit of recognising that is that it shows us where to improve it. But why should we be satisfied with a world that is unfair?
Why should we surrender our empathy and humanity in order to thrive in an unfair, unjust world? Because the strength of humanity is that we have the power to affect the shape of that world – so why not aspire to fairness?
You’ve put your finger on the difference between the politics of the left and your politics – and you’re the baddie in this movie, the agent of darkness, chaos, and the carrion-eaters.
”A feeling of discontented or resentful longing aroused by someone else’s possessions, qualities, or luck.” Ironically, its that latter that’s killing Labour.
”Secondly, why shouldn’t people want the world to be fair? ‘
They should want the world to be fair…or more fair. The trouble starts when they make no progress, and become bitter and twisted like many on this blog.
‘You’ve put your finger on the difference between the politics of the left and your politics – and you’re the baddie in this movie, the agent of darkness, chaos, and the carrion-eaters.”
Surely you are having some fun, and taking the piss. It’s hard to tell on this blog.
They should want the world to be fair…or more fair. The trouble starts when they make no progress, and become bitter and twisted like many on this blog.
Oh, so the problem isn’t that they think the world should be fair, it’s just that your side keep preventing this from happening.
‘You’ve put your finger on the difference between the politics of the left and your politics – and you’re the baddie in this movie, the agent of darkness, chaos, and the carrion-eaters.”
Surely you are having some fun, and taking the piss. It’s hard to tell on this blog.
Not really. If you’re not on the side that wants the world to be less unfair, that only leaves two unpalatable options that speak poorly of your character. Try breaking it down into some of the ways the world is unfair, and you might get it. Children dying, that sort of thing.
The accusation that the Trump White House used the National Enquirer to threaten and blackmail two journalists is a BFD.
In mid-April, Scarborough texted with Trump son-in-law Jared Kushner about the pending Enquirer story. Kushner told Scarborough that he would need to personally apologize to Trump in exchange for getting Enquirer owner David Pecker to stop the story. (A spokesperson for Kushner declined to comment). Scarborough says he refused, and the Enquirer published the story in print on June 5, headlined “Morning Joe Sleazy Cheating Scandal!”
Don’t forget Ed you need to put all your focus on third test next week, then we have plenty of time to get back to the end of the world, house prices, trump, the most fascist national government, the lies, the coming of the messiah Corbyn and the world accordingly to ED and RT😀
Glad you did. I started listening to the trade treaty thing and realised that I would just end up despairing at the unequivocal approach to our business enterprise future.
I did hear interesting bit about how we are making relationship with something Pacific and Mexico, Columbia, Chile and somewhere. It might be a good move.
Heh. The Chump appoints Kris Kobach (who’s been been crying about voter fraud despite all the evidence showing it’s a negligible problem) to his voter fraud commission. Kobach issues a letter to all states requesting all info on state voter rolls. Quickly swaps his Kansas Secretary of State hat back on and says back to his own commission fuck off you can’t have it.
The letter asks that the information be submitted to the email address “ElectionIntegrityStaff@ovp.eop.gov,” which does not use basic security protocols.
The email address is assigned to the EOP—the Executive Office of the President. Secure email tests confirm that EOP email addresses don’t use STARTTLS, a protocol for encrypting email while it travels across the internet so it is less likely to be snooped on while in transit.
I see Winston’s having a grand old time on Facebook, touring around Northland and highlighting each of the one-way bridges National had promised to double-lane.
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Its a law like gravity: whenever a right-wing government is elected, they start attacking democracy. And now, after talking to their Republican and Tory and Fidesz chums at the International Democracy Union forum in Wellington, National is doing it here, announcing plans to remove election-day enrolment. Or, to put it ...
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A new report warns an estimated third of the adult population have unmet need for health care.Photo: Lynn Grieveson / The KākāHere’s the six key things I learned about Aotaroa’s political economy this week around housing, climate and poverty:Politics - Three opinion polls confirmed support for PM Christopher Luxon ...
Today is May the fourth. Which was just a regular day when my mother took me to see the newly released Star Wars at the Odeon in Rotorua. The queue was right around the corner. Some years later this day became known as Star Wars Day, the date being a ...
Buzz from the Beehive Much more media attention is being paid to something Winston Peters said about former Australian Foreign Minister Bob Carr than to a speech he delivered to the New Zealand China Council. One word is missing from the speech: AUKUS. But AUKUS loomed large in his considerations ...
Is the economy in another long stagnation? If so, why?This is about the time that the Treasury will be locking up its economic forecasts to be published in the 2024 Budget Economic and Fiscal Update (BEFU) on budget day, 30 May. I am not privy to what they will be ...
The annual list of who's been bribing our politicians is out, and journalists will no doubt be poring over it to find the juiciest and dirtiest bribes. The government's fast-track invite list is likely to be a particular focus, and we already know of one company on the list which ...
In the weeks after the October 7 Hamas attacks on Southern Israel I wrote about the possible 2nd, 3rd and even 4th order effects of the conflict. These included new fronts being opened in the West Bank (with Hamas), Golan … Continue reading → ...
Peter Dunne writes – It is one of the oldest truisms that there is never a good time for MPs to get a pay rise. This week’s announcement of pay raises of around 2.8% backdated to last October could hardly have come at a worse time, with the ...
David Farrar writes – Newshub reports: Newshub can reveal a fresh allegation of intimidation against Green MP Julie-Anne Genter. Genter is subject to a disciplinary process for aggressively waving a book in the face of National Minister Matt Doocey in the House – but it’s not the first time ...
The Treasury has published a paper today on the global productivity slowdown and how it is playing out in New Zealand: The productivity slowdown: implications for the Treasury’s forecasts and projections. The Treasury Paper examines recent trends in productivity and the potential drivers of the slowdown. Productivity for the whole economy ...
Winston Peters’ comments about former Australian foreign minister look set to be an ongoing headache for both him and Luxon. Photo: Lynn Grieveson / The KākāTL;DR: The podcast above of the weekly ‘hoon’ webinar for subscribers features co-hosts and , along with regular guests on Gaza and ...
These puppet strings don't pull themselvesYou're thinking thoughts from someone elseHow much time do you think you have?Are you prepared for what comes next?The debating chamber can be a trying place for an opposition MP. What with the person in charge, the speaker, typically being an MP from the governing ...
The land around Lyme Regis, where Meryl Streep once stood, in a hood, on the Cobb, is falling into the sea.MerylThe land around Lyme Regis, around the Cobb that made it rich, has always been falling slowly but surely into the sea. Read more ...
Photo by Jari Hytönen on UnsplashIt’s that new day of the week (Thursday rather than Friday) when and I co-host our ‘hoon’ webinar with paying subscribers to The Kākā for an hour at 5 pm. Jump on this link on YouTube Livestream for our chat about the week’s news ...
Buzz from the Beehive Foreign Affairs Minister Winston Peters was bound to win headlines when he set out his thinking about AUKUS in his speech to the New Zealand Institute of International Affairs. The headlines became bigger when – during an interview on RNZ’s Morning Report today – he criticised ...
The Post reports on how the government is refusing to release its advice on its corrupt Muldoonist fast-track law, instead using the "soon to be publicly available" refusal ground to hide it until after select committee submissions on the bill have closed. Fast-track Minister Chris Bishop's excuse? “It's not ...
As pressure on it grows, the livestock industry’s approach to the transition to Net Zero is increasingly being compared to that of fossil fuel interests. Photo: Lynn Grieveson / Getty ImagesTL;DR: Here’s the top five news items of note in climate news for Aotearoa-NZ this week, and a discussion above ...
The Green Party is welcoming the announcement by the Minister Responsible for RMA Reform Chris Bishop to approve most of the Wellington City Council’s District Plan recommendations. ...
David Seymour has failed to get the sweeping cuts he wanted to the free and healthy school lunch programme, Labour education spokesperson Jan Tinetti said. ...
Hon Willie Jackson has been invited by the Oxford Union to debate the motion “This House Believes British Museums are not Very British’ on May 23rd. ...
Green Party MP Hūhana Lyndon says her Public Works (Prohibition of Compulsory Acquisition of Māori Land) Amendment Bill is an opportunity to right some past wrongs around the alienation of Māori land. ...
A senior, highly respected King’s Counsel with decades of experience in our law courts, Gary Judd KC, has filed a complaint about compulsory tikanga Māori studies for law students - highlighting the utter depths of absurdity this woke cultural madness has taken our society. The tikanga regulations will compel law ...
The Government needs to be clear with the people of the Nelson Marlborough region about the changes it is considering for the Nelson Hospital rebuild, Labour health spokesperson Ayesha Verrall said. ...
Ministers must front up about which projects it will push through under its Fast Track Approvals legislation, Labour environment spokesperson Rachel Brooking said today. ...
The Government is again adding to New Zealand’s growing unemployment, this time cutting jobs at the agencies responsible for urban development and growing much needed housing stock. ...
With Minister Karen Chhour indicating in the House today that she either doesn’t know or care about the frontline cuts she’s making to Oranga Tamariki, we risk seeing more and more of our children falling through the cracks. ...
The Labour Party is saddened to learn of the death of Sir Robert Martin, a globally renowned disability advocate who led the way for disability rights both in New Zealand and internationally. ...
Labour is calling for the Government to urgently rethink its coalition commitment to restart live animal exports, Labour animal welfare spokesperson Rachel Boyack said. ...
Today’s Financial Stability Report has once again highlighted that poverty and deep inequality are political choices - and this Government is choosing to make them worse. ...
The Green Party is calling on the Government to do more for our households in most need as unemployment rises and the cost of living crisis endures. ...
Unemployment is on the rise and it’s only going to get worse under this Government, Labour finance spokesperson Barbara Edmonds said. Stats NZ figures show the unemployment rate grew to 4.3 percent in the March quarter from 4 percent in the December quarter. “This is the second rise in unemployment ...
The New Zealand Labour Party welcomes the entering into force of the European Union and New Zealand free trade agreement. This agreement opens the door for a huge increase in trade opportunities with a market of 450 million people who are high value discerning consumers of New Zealand goods and ...
The National-led Government continues its fiscal jiggery pokery with its Pharmac announcement today, Labour Health spokesperson Ayesha Verrall says. “The government has increased Pharmac funding but conceded it will only make minimal increases in access to medicine”, said Ayesha Verrall “This is far from the bold promises made to fund ...
This afternoon’s interim Waitangi Tribunal report must be taken seriously as it affects our most vulnerable children, Labour children’s spokesperson Willow-Jean Prime. ...
Te Pāti Māori are demanding the New Zealand Government support an international independent investigation into mass graves that have been uncovered at two hospitals on the Gaza strip, following weeks of assault by Israeli troops. Among the 392 bodies that have been recovered, are children and elderly civilians. Many of ...
Our two-tiered system for veterans’ support is out of step with our closest partners, and all parties in Parliament should work together to fix it, Labour veterans’ affairs spokesperson Greg O’Connor said. ...
Stripping two Ministers of their portfolios just six months into the job shows Christopher Luxon’s management style is lacking, Labour Leader Chris Hipkins said. ...
Tonight’s court decision to overturn the summons of the Children’s Minister has enabled the Crown to continue making decisions about Māori without evidence, says Te Pāti Māori spokesperson for Children, Mariameno Kapa-Kingi. “The judicial system has this evening told the nation that this government can do whatever they want when ...
It appears Nicola Willis is about to pull the rug out from under the feet of local communities still dealing with the aftermath of last year’s severe weather, and local councils relying on funding to build back from these disasters. ...
The Government is making short-sighted changes to the Resource Management Act (RMA) that will take away environmental protection in favour of short-term profits, Labour’s environment spokesperson Rachel Brooking said today. ...
Labour welcomes the release of the report into the North Island weather events and looks forward to working with the Government to ensure that New Zealand is as prepared as it can be for the next natural disaster. ...
The Labour Party has called for the New Zealand Government to recognise Palestine, as a material step towards progressing the two-State solution needed to achieve a lasting peace in the region. ...
Some of our country’s most important work, stopping the sexual exploitation of children and violent extremism could go along with staff on the frontline at ports and airports. ...
The Government’s Fast Track Approvals Bill will give projects such as new coal mines a ‘get out of jail free’ card to wreak havoc on the environment, Labour Leader Chris Hipkins said today. ...
The government's decision to reintroduce Three Strikes is a destructive and ineffective piece of law-making that will only exacerbate an inherently biased and racist criminal justice system, said Te Pāti Māori Justice Spokesperson, Tākuta Ferris, today. During the time Three Strikes was in place in Aotearoa, Māori and Pasifika received ...
Cuts to frontline hospital staff are not only a broken election promise, it shows the reckless tax cuts have well and truly hit the frontline of the health system, says Labour Health spokesperson Ayesha Verrall. ...
The Green Party has joined the call for public submissions on the fast-track legislation to be extended after the Ombudsman forced the Government to release the list of organisations invited to apply just hours before submissions close. ...
New Zealand’s good work at reducing climate emissions for three years in a row will be undone by the National government’s lack of ambition and scrapping programmes that were making a difference, Labour Party climate spokesperson Megan Woods said today. ...
A new standalone Social Investment Agency will power-up the social investment approach, driving positive change for our most vulnerable New Zealanders, Social Investment Minister Nicola Willis says. “Despite the Government currently investing more than $70 billion every year into social services, we are not seeing the outcomes we want for ...
Check against delivery Good morning. It is a pleasure to be with you to outline the Coalition Government’s approach to our first Budget. Thank you Mark Skelly, President of the Hutt Valley Chamber of Commerce, together with your Board and team, for hosting me. I’d like to acknowledge His Worship ...
Your Excellency Ambassador Meredith, Members of the Diplomatic Corps and Ambassadors from European Union Member States, Ministerial colleagues, Members of Parliament, and other distinguished guests, Thank you everyone for joining us. Ladies and gentlemen - In diplomacy, we often speak of ‘close’ and ‘long-standing’ relations. ...
The Therapeutic Products Act (TPA) will be repealed this year so that a better regime can be put in place to provide New Zealanders safe and timely access to medicines, medical devices and health products, Associate Health Minister Casey Costello announced today. “The medicines and products we are talking about ...
The Minister Responsible for RMA Reform, Chris Bishop, today released his decision on twenty recommendations referred to him by the Wellington City Council relating to its Intensification Planning Instrument, after the Council rejected those recommendations of the Independent Hearings Panel and made alternative recommendations. “Wellington notified its District Plan on ...
Rape Awareness Week (6-10 May) is an important opportunity to acknowledge the continued effort required by government and communities to ensure that all New Zealanders can live free from violence, say Ministers Karen Chhour and Louise Upston. “With 1 in 3 women and 1 in 8 men experiencing sexual violence ...
Associate Education Minister David Seymour has today announced that the Government will be delivering a more efficient Healthy School Lunches Programme, saving taxpayers approximately $107 million a year compared to how Labour funded it, by embracing innovation and commercial expertise. “We are delivering on our commitment to treat taxpayers’ money ...
New research on the impacts of extreme weather on coastal marine habitats in Tairāwhiti and Hawke’s Bay will help fishery managers plan for and respond to any future events, Oceans and Fisheries Minister Shane Jones says. A report released today on research by Niwa on behalf of Fisheries New Zealand ...
Deputy Prime Minister and Foreign Minister Winston Peters will lead a broad political delegation on a five-stop Pacific tour next week to strengthen New Zealand’s engagement with the region. The delegation will visit Solomon Islands, Papua New Guinea, Vanuatu, New Caledonia, and Tuvalu. “New Zealand has deep and ...
There has been a material decline in gas production according to figures released today by the Gas Industry Co. Figures released by the Gas Industry Company show that there was a 12.5 per cent reduction in gas production during 2023, and a 27.8 per cent reduction in gas production in the ...
Defence Minister Judith Collins tonight announced the recipients of the Minister of Defence Awards of Excellence for Industry, saying they all contribute to New Zealanders’ security and wellbeing. “Congratulations to this year’s recipients, whose innovative products and services play a critical role in the delivery of New Zealand’s defence capabilities, ...
Welcome to you all - it is a pleasure to be here this evening.I would like to start by thanking Greg Lowe, Chair of the New Zealand Defence Industry Advisory Council, for co-hosting this reception with me. This evening is about recognising businesses from across New Zealand and overseas who in ...
It is a pleasure to be speaking to you as the Minister for Digitising Government. I would like to thank Akolade for the invitation to address this Summit, and to acknowledge the great effort you are making to grow New Zealand’s digital future. Today, we stand at the cusp of ...
New Zealand is urging both Israel and Hamas to agree to an immediate ceasefire to avoid the further humanitarian catastrophe that military action in Rafah would unleash, Foreign Minister Winston Peters says. “The immense suffering in Gaza cannot be allowed to worsen further. Both sides have a responsibility to ...
A new online data dashboard released today as part of the Government’s school attendance action plan makes more timely daily attendance data available to the public and parents, says Associate Education Minister David Seymour. The interactive dashboard will be updated once a week to show a national average of how ...
Foreign Minister Winston Peters has announced Rosemary Banks will be New Zealand’s next Ambassador to the United States of America. “Our relationship with the United States is crucial for New Zealand in strategic, security and economic terms,” Mr Peters says. “New Zealand and the United States have a ...
The Government is considering creating a new tier of minerals permitting that will make it easier for hobby miners to prospect for gold. “New Zealand was built on gold, it’s in our DNA. Our gold deposits, particularly in regions such as Otago and the West Coast have always attracted fortune-hunters. ...
Minister for Trade Todd McClay today announced that New Zealand and the United Arab Emirates (UAE) will commence negotiations on a free trade agreement (FTA). Minister McClay met with his counterpart UAE Trade Minister Dr Thani bin Ahmed Al Zeyoudi in Dubai, where they announced the launch of negotiations on a ...
New Zealand Sign Language Week is an excellent opportunity for all Kiwis to give the language a go, Disabilities Issues Minister Louise Upston says. This week (May 6 to 12) is New Zealand Sign Language (NZSL) Week. The theme is “an Aotearoa where anyone can sign anywhere” and aims to ...
Six tertiary students have been selected to work on NASA projects in the US through a New Zealand Space Scholarship, Space Minister Judith Collins announced today. “This is a fantastic opportunity for these talented students. They will undertake internships at NASA’s Ames Research Center or its Jet Propulsion Laboratory (JPL), where ...
New Zealanders will be safer because of a $1.9 billion investment in more frontline Corrections officers, more support for offenders to turn away from crime, and more prison capacity, Corrections Minister Mark Mitchell says. “Our Government said we would crack down on crime. We promised to restore law and order, ...
The OECD’s latest report on New Zealand reinforces the importance of bringing Government spending under control, Finance Minister Nicola Willis says. The OECD conducts country surveys every two years to review its members’ economic policies. The 2024 New Zealand survey was presented in Wellington today by OECD Chief Economist Clare Lombardelli. ...
The Government has delivered on its election promise to provide a financially sustainable model for Auckland under its Local Water Done Well plan. The plan, which has been unanimously endorsed by Auckland Council’s Governing Body, will see Aucklanders avoid the previously projected 25.8 per cent water rates increases while retaining ...
Foreign Minister Winston Peters discussed the need for an immediate ceasefire in Gaza, and enhanced cooperation in the Pacific with German Foreign Minister Annalena Baerbock during her first official visit to New Zealand today. "New Zealand and Germany enjoy shared interests and values, including the rule of law, democracy, respect for the international system ...
The Minister Responsible for RMA Reform, Chris Bishop today released his decision on four recommendations referred to him by the Western Bay of Plenty District Council, opening the door to housing growth in the area. The Council’s Plan Change 92 allows more homes to be built in existing and new ...
Thank you, John McKinnon and the New Zealand China Council for the invitation to speak to you today. Thank you too, all members of the China Council. Your effort has played an essential role in helping to build, shape, and grow a balanced and resilient relationship between our two ...
The Government is modernising insurance law to better protect Kiwis and provide security in the event of a disaster, Commerce and Consumer Affairs Minister Andrew Bayly announced today. “These reforms are long overdue. New Zealand’s insurance law is complicated and dated, some of which is more than 100 years old. ...
The coalition Government is refreshing its approach to supporting pay equity claims as time-limited funding for the Pay Equity Taskforce comes to an end, Public Service Minister Nicola Willis says. “Three years ago, the then-government introduced changes to the Equal Pay Act to support pay equity bargaining. The changes were ...
Structured literacy will change the way New Zealand children learn to read - improving achievement and setting students up for success, Education Minister Erica Stanford says. “Being able to read and write is a fundamental life skill that too many young people are missing out on. Recent data shows that ...
Trade Minister Todd McClay says Canada’s refusal to comply in full with a CPTPP trade dispute ruling in our favour over dairy trade is cynical and New Zealand has no intention of backing down. Mr McClay said he has asked for urgent legal advice in respect of our ‘next move’ ...
The rights of our children and young people will be enhanced by changes the coalition Government will make to strengthen oversight of the Oranga Tamariki system, including restoring a single Children’s Commissioner. “The Government is committed to delivering better public services that care for our most at-risk young people and ...
The Government is making it easier for minor changes to be made to a building consent so building a home is easier and more affordable, Building and Construction Minister Chris Penk says. “The coalition Government is focused on making it easier and cheaper to build homes so we can ...
New Zealand lost a true legend when internationally renowned disability advocate Sir Robert Martin (KNZM) passed away at his home in Whanganui last night, Disabilities Issues Minister Louise Upston says. “Our Government’s thoughts are with his wife Lynda, family and community, those he has worked with, the disability community in ...
Good evening – Before discussing the challenges and opportunities facing New Zealand’s foreign policy, we’d like to first acknowledge the New Zealand Institute of International Affairs. You have contributed to debates about New Zealand foreign policy over a long period of time, and we thank you for hosting us. ...
From today, passengers travelling internationally from Auckland Airport will be able to keep laptops and liquids in their carry-on bags for security screening thanks to new technology, Transport Minister Simeon Brown says. “Creating a more efficient and seamless travel experience is important for holidaymakers and businesses, enabling faster movement through ...
People with an interest in the health of Northland’s marine ecosystems are invited to a public meeting to discuss how to deal with kina barrens, Oceans and Fisheries Minister Shane Jones says. Mr Jones will lead the discussion, which will take place on Friday, 10 May, at Awanui Hotel in ...
Kiwi exporters are $100 million better off today with the NZ EU FTA entering into force says Trade Minister Todd McClay. “This is all part of our plan to grow the economy. New Zealand's prosperity depends on international trade, making up 60 per cent of the country’s total economic activity. ...
There are heartening signs that the extractive sector is once again becoming an attractive prospect for investors and a source of economic prosperity for New Zealand, Resources Minister Shane Jones says. “The beginnings of a resurgence in extractive industries are apparent in media reports of the sector in the past ...
The return of the historic Ō-Rākau battle site to the descendants of those who fought there moved one step closer today with the first reading of Te Pire mō Ō-Rākau, Te Pae o Maumahara / The Ō-Rākau Remembrance Bill. The Bill will entrust the 9.7-hectare battle site, five kilometres west ...
Energy Minister Simeon Brown has announced 25 new high-speed EV charging hubs along key routes between major urban centres and outlined the Government’s plan to supercharge New Zealand’s EV infrastructure. The hubs will each have several chargers and be capable of charging at least four – and up to 10 ...
Source: The Conversation (Au and NZ) – By Leah Williams Veazey, ARC DECRA Research Fellow, University of Sydney DavideAngelini/Shutterstock In the 2007 film The Bucket List Jack Nicholson and Morgan Freeman play two main characters who respond to their terminal cancer diagnoses by rejecting experimental treatment. Instead, they go ...
Source: The Conversation (Au and NZ) – By Mohan Singh, Professor of Agri-Food Biotechnology, School of Agriculture, Food and Ecosystem Sciences at the University of Melbourne., The University of Melbourne Tanja Esser/Shutterstock Australia’s vital agriculture sector will be hit hard by steadily rising global temperatures. Our climate is already ...
The Acumen Edelman Trust barometer reported that New Zealand’s political trust score now sits below the global average, a topic explored in a recent discussion paper by Maxim Institute. ...
Greenpeace Aotearoa executive director Russel Norman says, "The Fast-Track Bill is the most damaging piece of environmental legislation any Government has introduced in living memory. People are angry, and it’s time to march." ...
The school lunches programme has been retained – and will be extended to some preschoolers. So how is it going to cost $107 million less? To receive The Bulletin in full each weekday, sign up here. The minister with many hats David Seymour wears a number of hats, but this week ...
“Show us the bird,” I found myself muttering at times while reading Hard by the Cloud House by Peter Walker, a deeply thoughtful, often hilarious, at times rambling – but somehow delightfully so – search for the story of a big bird. But not just any bird: the bird. This ...
Source: The Conversation (Au and NZ) – By Jack Marley, Environment + Energy Editor, UK edition DPVUE .images/Shutterstock Your home was probably designed for a climate that no longer exists. As long as humanity continues to burn fossil fuel, padding the heat-trapping blanket of gases in Earth’s atmosphere, the ...
A senior lawyer has filed a complaint about tikanga becoming a required law school module. Law lecturer Carwyn Jones explains what he’s getting wrong. “…the first law of Aotearoa, a law that served the needs of tangata whenua for a thousand years before the arrival of tauiwi.”– Ani Mikaere ...
In 2019, an Auckland woman woke up from surgery to find that she had undergone a treatment she didn’t consent to. She tells Alex Casey about her experience. From her very first period at the age of 14, Laura experienced “debilitating” levels of pain that forced her to withdraw from ...
Comment: Concerns about the state of the economy are creeping up to the top of firms’ list of challenges. That’s evident in both surveys and the tone of our recent client discussions. Skimming the past few weeks of eco-news, it’s not hard to see why. – Retail card spending fell ...
Opinion: Could former co-leader James Shaw still make a difference to working with National? The post How the Greens could be contenders appeared first on Newsroom. ...
Opinion: What if we got rid of our existing drug laws and replaced them with a new law that legalised and carefully regulated all psychoactive substances, from cannabis to MDMA, methamphetamine and LSD to magic mushrooms? And which also included legal drugs such as alcohol and nicotine. “Wow,” you might ...
In the gloom following director-general Al Morrison’s job cuts in 2013, the Department of Conservation restructured its operations arm. Eleven conservancy districts were whittled into six new “conservation delivery” regions, under which the Rēkohu/Wharekauri/Chatham Islands area, comprising 40 scattered islands more than 800km east of Christchurch, was tethered to the ...
One of th e country’s top litigation lawyers says New Zealand is seeing a lift in court action between companies. Chapman Tripp partner Justin Graham, who oversees a team of around 80 litigation specialists, says the courts are now so log-jammed that it’s taking over two years to get cases ...
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Source: The Conversation (Au and NZ) – By Michelle Grattan, Professorial Fellow, University of Canberra The Albanese government is talking up the crucial role of gas as a transition fuel “through to 2050 and beyond”. In a gas strategy to be released on Thursday, the government envisages the fuel’s ...
Source: The Conversation (Au and NZ) – By Michelle Grattan, Professorial Fellow, University of Canberra Next week the government will again next try to get its legislation through to deal with non-citizens who won’t cooperate with efforts to deport them. The bill, which the opposition and crossbench refused to rush ...
A long-term project that will set out an alternative vision for Aotearoa that looks beyond the narrow confines of the policy straight jacket adopted by successive governments. ...
Source: The Conversation (Au and NZ) – By Bree Hurst, Associate Professor, Faculty of Business and Law, QUT, Queensland University of Technology TK Kurikawa/Shutterstock A much-awaited report into Coles and Woolworths has found what many customers have long believed – Australia’s big supermarkets engage in price gouging. What started ...
Source: The Conversation (Au and NZ) – By Daniel Ghezelbash, Associate Professor and Deputy Director, Kaldor Centre for International Refugee Law, UNSW Law & Justice, UNSW Sydney The Albanese government wanted to avoid an inquiry into its migration amendment bill. The report, handed down yesterday by a senate committee that ...
Source: The Conversation (Au and NZ) – By Joo-Cheong Tham, Professor, Melbourne Law School, The University of Melbourne Lobbying is at the heart of government. Who has access to and influence over key government officials shapes the decisions governments make – and how they make them. The ability to influence ...
Source: The Conversation (Au and NZ) – By Myfany Turpin, Associate Professor, Ethnomusicology, Linguistics and Ethnobiology, University of Sydney The act representing Australia at this year’s Eurovision contest has sadly not qualified for the grand final. Yet for Zaachariaha Fielding and Michael Ross, the duo that makes up Electric Fields, ...
In announcing changes to the school lunches programme, David Seymour said kids would no longer be served ‘woke’ foods. To clear up any confusion, The Spinoff has compiled a guide to the wokeness levels of some common food items. Apple = NOT WOKE Avocado = WOKE Avocado, smashed = EVEN ...
The Minister Responsible for GCSB and the Inspector-General of Intelligence and Security have been notified of this review, and have been provided a finalised Terms of Reference. ...
Source: The Conversation (Au and NZ) – By Minglu Chen, Senior Lecturer, Government and International Relations, University of Sydney Robert Way/Shutterstock As the past few years have illustrated so clearly, the Australia-China relationship is complicated. As such, it is crucial for Australians to develop a more nuanced understanding of ...
Source: The Conversation (Au and NZ) – By Mariana Campbell, Research Lecturer, Conservation, Charles Darwin University Marilyn Connell Australian freshwater turtles are facing an alarming trend. Almost half of these species are listed as vulnerable, endangered or critically endangered. The Mary River turtle (Elusor macrurus) is one of Australia’s ...
Source: The Conversation (Au and NZ) – By Debbie Passey, Digital Health Research Fellow, The University of Melbourne Algorithms have become integral to our lives. From social media apps to Netflix, algorithms learn your preferences and prioritise the content you are shown. Google Maps and artificial intelligence are nothing without ...
Source: The Conversation (Au and NZ) – By Josephine Barbaro, Associate Professor, Principal Research Fellow, Psychologist, La Trobe University Unsplash We’ve come a long way in terms of understanding that everyone thinks, interacts and experiences the world differently. In the past, autistic people, people with attention deficit hyperactive disorder ...
PNG Post-Courier Papua New Guinea’s deputy opposition leader James Nomane has accused the government of “reckless economic management” that has forced devaluation to manage loan repayments in foreign currency and placate the International Monetary Fund (IMF). Prime Minister James Marape “must stop lying to the people of Papua New Guinea”, ...
Welcome to The Spinoff Bookseller Confessional, in which we get to know Aotearoa’s booksellers. This week: Jane Arthur, author of Brown Bird, and former bookseller at Good Books.The book I wish I’d writtenI have been working on not comparing myself to others. On accepting that what I can ...
The final decision on the Wellington District Plan makes it official: High-density housing is legal across most of Wellington. Housing minister Chris Bishop has announced his decision on the Wellington District Plan, approving a series of amendments to radically upzone most of Wellington, allowing tens of thousands of new townhouses ...
Analysis by Dr Bryce Edwards – Democracy Project (https://democracyproject.nz)Political scientist, Dr Bryce Edwards. “Follow the money” is the classic directive to journalists trying to understand where power and influence lie in society. In terms of uncovering who influences various New Zealand political parties and governments, it therefore pays to ...
RNZ News As Israel presses ahead with strikes in Rafah and seizing the Rafah crossing from Egypt, aid agencies are sounding the alarm of a “catastrophic humanitarian situation”. Rafah was “significant” because it was the only part in Gaza that had not been terribly damaged by the conflict, United Nations ...
With funding set to be scrapped for the Hamilton-Auckland commuter train, Te Huia enthusiast Georgie Dansey argues for it to be thrown a lifeline. It’s 5.45am and the chain of my crappy old bike falls off slugging up the one hill in Hamilton. I contemplate yeeting the bike into the ...
Source: The Conversation (Au and NZ) – By Anna Cooke, Honorary Fellow, School of the Environment, The University of Queensland We feel ecological grief when we lose places, species or ecosystems we value and love. These losses are a growing threat to mental health and wellbeing globally. We all see ...
Source: The Conversation (Au and NZ) – By Shauna Brail, Associate Professor, Institute for Management & Innovation, University of Toronto A shift to hybrid and remote work continues to affect worker presence in Toronto’s downtown.(Shutterstock) Downtown Toronto, the core of Canada’s largest city, continues to reel from the lingering ...
Responding to an Auditor-General's report slamming failures in the administration of the 2023 General Election, Taxpayers’ Union Policy and Public Affairs Manager, James Ross, said: ...
Productivity apps now make up a big chunk of the software market. But do they work? And why do they all have AI integrations?Despite being firmly on the record as a physical planner fan, I sometimes dream of something better than my pretty diary and its scrawled, ugly, interior ...
The Taxpayers’ Union says the Beehive need to lead by example, following reports of more than $50,000 spent upgrading video conferencing equipment and furniture in the Prime Minister’s office. Taxpayers’ Union Campaign Manager, Connor Molloy, ...
An objective list of the 50 most powerful people in New Zealand, as judged by the Spinoff Editorial Board. It’s power list season, baby, and we want in on the action. Sure, there’s the rich list and the powerful “c-suite” list and the young people with power (hmmm) but here, ...
Source: The Conversation (Au and NZ) – By Thalia Anthony, Professor of Law, University of Technology Sydney ShutterstockThis article contains information on deaths in custody and the names of deceased people, and describes ongoing colonial violence towards Aboriginal and Torres Strait Islander people. First Nations people in Australia ...
Source: The Conversation (Au and NZ) – By Alex Simpson, Senior Lecturer in Criminology, Macquarie University Netflix Baby Reindeer’s phenomenal success has much to do with its writer and lead, Richard Gadd, who plays Donny in a tender semi-autobiographical account of sexual abuse, harassment and stalking. Gadd’s story has ...
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She said there was an “avalanche” coming of people nearing retirement with debt owing.
28 per cent of mortgages are now held by people aged 55 and over.
Aucklanders had the most mortgage debt – those 55 and over with a home loan have an average mortgage of $393,229.
Currently, 18 per cent of people aged over 55 struggled to make ends meet.
http://www.stuff.co.nz/business/93164858/older-new-zealanders-battling-bigger-mortgages
http://www.stuff.co.nz/business/93946211
A lot of attention has been given to child poverty, but are we overlooking this coming “avalanche” ?
Interesting. Nothing in there though about what proportion of those mortgages are for primary residences. What’s the likelihood of over-55s also having ‘investment’ properties?
Just to background the earlier comments in 1 –
New data from credit score provider CreditSimple.co.nz shows New Zealanders over 55 are an increasingly large percentage of bankruptcies.
They now represent 27.8 per cent of all bankruptcies, up from 20.6 per cent in 2010.
CreditSimple spokeswoman Hazel Phillips said her organisation’s staff had reported from their conversations with older people that many said they were struggling to make ends meet.
“They now represent 27.8 per cent of all bankruptcies, up from 20.6 per cent in 2010.”
It’s a worry.
Sure is. Perhaps now the olders will start to take real notice of what is happening in NZ to the youngers, because if they don’t the powers that be will come for them and they will feel the same abandonment as the discarded precariat of the young.
“What’s the likelihood of over-55s also having ‘investment’ properties?”
Around 25% offhand. Nevertheless, the concern expressed largely isn’t about them.
A lot of people caught up in the ‘leaky building’ had to remortgage, many lost money in the financial scandals and most banks now are offering 30 year mortgages, so people will have to pay well into retirement a mortgage, in many cases. Not only that, as employee’s head into their 50’s they are made redundant – there is seems zero government controls in place for any sort of stability – most people’s lives now are dependant on market forces and can be bankrupted by unsafe cladding, financial mismanagement, losing their job for no reason and having to be in debt for longer in our low wage economy making it difficult to pay off debt quickly.
“A lot of people caught up in the ‘leaky building’ had to remortgage…”
From timber through to plumbing, with the horror stories still coming out of the building sector, a good number more will be impacted.
Incompetent people in Government and Councils changing the Building Codes and abandoning the Apprenticeship Schemes and guess who the neoliberal National Government ?
Govt changes building standards, not councils.
This is the way I see it too. I wouldn’t mind so much if the people with far more money than they need were not so obvious. I don’t envy them, just feel like they are a different sort of human being, like I have to behave differently around them. I feel uneasy in a way I never did growing up here. People seem separated in some way. Hard to put a finger on it. When I was younger in NZ I always felt we were in it together. Not so much these days. It’s a lonely country. Lonely and anxious.
All very well to use averages
” 55 and over with a home loan have an average mortgage of $393,229.”
But what is the median. There are plenty of rich older people in Auckland too For those working , the last 10 years are normally the peak income years.
In general terms they will be more people retiring with a mortgage than there used to be- when the goal was to reach early 60s mortgage free.
The median or average is largely irrelevant in this instance as it’s the growing amount struggling under the pressure and going bankrupt that is the concern.
Auckland has 240 residents worth at least $30 million each. So not a large percentage of the population is of high wealth.
child poverty is the result of parent poverty. It’s just that those crunchy do nothing dudes and dudettes that hope that the market will fix it might – might care about children. But then, as the last few years showed there are few in NZ that give a dime about poverty in general.
More interesting to me would by why do these people own on their mortgage? I know quite a few people that have increased their mortgage to buy stuff that has got nothing to do with the house/mortgage itself, some of them in the over 55 range – as a friend of mine put it while buying a third motor bike ‘ i won’t be getting any more loans as i am getting too old’. Mind this friend is also in a position to keep on working until he drops dead.
“More interesting to me would by why do these people own on their mortgage?”
As pointed out by savenz. A number have fallen victim to finance company collapses, had to refinance to repair their poorly built home, or have been made redundant. Some have gone through expensive separations, others have fallen victim to bad health or bad luck. And some would have been as a result of poor fiscal management.
A number have businesses secured against property, which may have not performed too well.
Yes, but we don’t have a break down.
I also know some that have bought several houses in Akl over the last few years – as i was told they want to have a ‘livestyle’ when they are eighty – and these houses will bring them easily to about 2.5 million in mortgage debt. Will they have been able to pay these of by the time they retire? Nope, not a chance in hell. However they can sell one – hopefully make enough cash on that to pay a mortgage or two.
so we really need a break down to see what the numbers are.
And i consider anyone who has mortgage debt due to ‘frivoulous’ spending – like my mate with the bikes – or needing several million dollar properties to fund their future lifestyle in that category.
then you have those that might have gone back into debt due to illness.
then you have those that might sold a property due to divorce and then bought again a property on their own.
all these are quite different reasons for being in debt by the age of 55 and over.
One reason i have not re-started my business is that the bank wants to use my property as a security. The whole loan is literally predatory. So here we go, i don’t work, staff that i would have employed is not working, and i don’t have debt. But the banks are not helpful.
But essentially we are all guessing as to why people are in debt and by how much and so on.
We really need better stats in this country.
Part of the damage from our economy’s fixation with property has been the narrowness of our financial sector’s ability to manage risk – so the best they can offer is to tie a small business’s potential liability to something they can grasp – a house. Stifles NZ hugely.
It’s been an interesting week for our campaign. I have had dozens of library and ex-library staff communicating privately and confidentially with me. About a week ago I was sent screen shots of a dozen internal emails from library managers seeking relief cover for a total of 71 shifts of 6 or more hours in July. We were also aware that management’s self-imposed deadline of having all staff in new roles by July 1 wasn’t going to be met, that departing employees had been asked to stay on longer, and, unbelievably, some branches were so understaffed Madison Recruitment was supplying temps.
Apparently the libraries’ computer system is so complicated that temps will struggle to perform even tasks we’d think are straightforward, like shelving.
Love Our Libraries raised the alarm on Monday by emailing every Local Board in Auckland.
By the end of the day, management responded to attempt to refute our claims.
We wrote to the boards again the next day and provided more information.
We did get management to admit temps were being used: just 20 over July-August (less than 2% of the workforce–not quite if there are ca. 700 staff left).
The possibility of “rolling closures” hit the media thanks to a piece by James Pasley on stuff.co.nz which has also run in different local suburban newsletters.
I’m told library managers have cautioned staff ( not for the first time) not to speak to the public, media, or members of Love Our Libraries, especially about staff shortages.
The emails seeking relief staff have been removed and temps will be used.
Meanwhile I was sent a cautionary letter by Dean Kimpton, Auckland COO. He was objecting to what he termed “personal attacks” I’ve made in the Libraries General Manager. While I admit on a few occasions I’ve indulged in a catty crack, it is very hard not to absorb and reflect the utter disdain her underlings have for her and I will continue to raise doubts about her professionalism and ability to carry out the Fit for the Future reforms. It’s ironic for Kimpton to ask for respect for her when our city’s librarians have had to cope with a year of uncertainty, secrecy, and paranoia. How is forcing so many workers to reapply for jobs they’ve done competently for years, so you can save a few bucks by compressing and rotating their schedules, not a form of disrespect?
Our Facebook group is public. Please visit and join. We will continue to document and call attention to the travesty that is Fit for the Future. http://www.facebook.com/groups/loveourlibraries
Further to the library brick. Go here for more details:
Save Our Super City Librarians | ActionStation
https://our.actionstation.org.nz/petitions/save-our-super-city-librarians
Love Our Libraries is a grassroots citizens campaign that arose out of a specific … https://www.stuff.co.nz/auckland/94088316/auckland-libraries-rejects-claims- …
Keep Public Libraries Free | LIANZA
https://lianza.org.nz/our-work/campaigns/keep-public-libraries-free
Did you know that there is no legislation in Aotearoa New Zealand to prevent … In 2011 and 2012, LIANZA ran a Keep Public Libraries Free campaign in support …
Sounds like intimidation from management ?
This morning on Kim Hill interesting on present and future speaker. Audio later.
8:09 Johan Rockström – Planetary boundaries
The Hillary Institute recently announced Sweden’s Johan Rockström as the global Hillary Laureate for 2017. The Institute, inspired by Sir Edmund Hillary, aims to support leaders working in the areas of climate change, poverty, disease, peace, and justice. Johan Rockström is the director of the Stockholm Resilience Centre and a professor of environmental science at Stockholm University.
He is recognised for his work on global sustainability, and helped lead the team of scientists that presented the planetary boundaries framework, first published in 2009.
The nine planetary boundaries are systems that regulate the Earth’s stability and resilience – the interactions of land, ocean, atmosphere and life that together give a ‘safe operating space for humanity’.
Four of the planetary boundaries have now been crossed as a result of human activity. Rockström advises several governments and business networks including the UN and the World Economic Forum.
Audio from Kim Hill Radionz this a.m.
http://www.radionz.co.nz/national/programmes/saturday/audio/201849560/johan-rockstrom-planetary-boundaries
Dick Quax is advocating selling a share of Watercare to the NZ Super Fund and ACC.
By selling an ownership stake in Watercare, the council would not lose any dividends. Watercare is currently prohibited by legislation from paying a dividend.
.
However, doing so would establish a dividend stream for itself and it’s stakeholders.
http://www.nzherald.co.nz/opinion/news/article.cfm?c_id=466&objectid=11883102
Which brings us to the pitfall. The increase in water charges required to produce this new revenue stream would effectively fall back on ratepayers, effectively making it little different than a rates increase, thus defeating the objective.
Water, dividend streams, the language is liquid, the thinking is languid, the zeitgeist is addiction to money; squeezing the public until all their money sources dry up.
Hardly creative juices flowing. Just another way to drown us in bills.
Unlike a business, rate payers are FORCED to pay. So council’s are not really a business more a monopoly that is becoming less and less democratic.
Just another method of skinning the cat.
Of course you can apply as much creativity to this problem as desired, there are simply no cleaver ways of arranging the accounts which don’t have this flaw. In order to increase the available finance either the public sector needs to run a deficit or the private sector needs to run a deficit, there is no other possible way to increase finance.
The problem for the Auckland council being its beholden to central government in many ways for any deficit spending it wants the public sector to undertake.
What Watercare is trying to explain with its accounting is that its not a profitable business undertaking. Auckland can have access to water at a reasonable price, or it can have a profit making water enterprise. Its impossible for it to have both.
Here is a discussion of Stuart Chase which explains how Auckland should look at the question, should Aucklanders have public access to water.
http://bilbo.economicoutlook.net/blog/?p=36218
Interesting take on NZF and Winston Peters by Chris Trotter.
Peters in particular, has always taken care to offset his ferocious rhetorical forays into such fraught areas as Maori-Pakeha relations and Asian immigration by offering the public his most mischievous of conspiratorial grins. As if to say: “What did you think of that? Impressive? Good. Just don’t take any of it too seriously!”
As the years have passed, however, New Zealand’s “populism with a smile” has become increasingly difficult to sustain. In relation to the rest of the world, the Alliance and NZ First were movements ahead of their time. Over the past two years, however, the global populist herds have overtaken us with a feral strength not encountered since the darkest years of the 1930s. And, while anger has always driven populism forward, today’s populists are super-charged with unreasoning hatred and rage.
https://www.stuff.co.nz/national/politics/opinion/94077868/chris-trotter-can-winston-peters-populism-with-a-smile-survive-in-the-age-of-anger
Not a good week for human rights…
Trump’s next attack on democracy: mass voter suppression
https://www.theguardian.com/commentisfree/2017/jun/30/trumps-attack-democracy-mass-voter-suppression
‘We wanted democracy’: is Hong Kong’s two-systems experiment over?
https://www.theguardian.com/world/2017/jun/30/we-wanted-democracy-after-20-years-of-chinese-rule-is-hong-kongs-dream-over
U.N. human rights experts on Friday said the trial of a prominent Vietnamese blogger did not meet international standards and appeared to be aimed at intimidating environmental activists.
http://www.thenewstribune.com/news/nation-world/article158993494.html
Can’t help feeling the vehement opposition to voter i.d. by the democrats is a bit of a free shot for the reblubiblubs. Though demanding individuals’ vting histories is sinister. I guess they mean whether someone voted rather than for whom but still..
Jonah from Tonga – blackface shit
Maori tv – bullshit rationale, ratings chaser. Letting Pacific and Māori people down. Disgrace and sad.
Link ?
lmgtfy
I am very glad that I’ve never seen it…
Looks like it has been pulled.
http://www.radionz.co.nz/news/top/334215/maori-tv-expected-to-pull-jonah-from-tonga-from-screens
The Hui will be covering it tomorrow morning.
Jones is right ACT is the human form of the fungal pathogen myrtle rust.
Pizzagate? That’s nothing! NASA has child slave camps on Mars!
At least according to Alex Jones, so beloved of some pro-Trump commenters here.
http://www.iflscience.com/space/nasa-conspiracy-theorists-no-child-slaves-mars/
must be real news then.
Damn shame Stanley’s no longer with us.
/
http://www.thedailybeast.com/nasa-denies-that-its-running-a-child-slave-colony-on-mars
edit: @ rhino
Mr Steele himself has had a few mention on TS
Ha Alex Jones needs real help imo. Anyone who is into him or icky or any of these extremistists shows their deficiency. Sad. Funny. Sad. Nah, funny.
I’m not sure they are extremists so much as on another planet. Not Mars apparently though.
Lol very good ☺
Stanley Kubrick did indeed film the moon landings, but he was such a perfectionist that he insisted that all the hardware worked and he filmed them on location. 🙂
Oh, Dear.
Is this stance an offshoot of critical thought by Young Nats regarding
MMCC?
Or would many of these younins qualify for the 20% of university students needing remedial studies before they can pursue their chosen course?
People say the Left are powerless. Well, control education, and you control the coming generations.
As the Jesuits said: ‘ Give me the child, and I will show you the man.’
[TheStandard: A moderator moved this comment to Open Mike as being off topic or irrelevant in the post it was made in. Be more careful in future.]
I assume that is what happened to you, Blade.
No, I didn’t go to university. A waste getting UE back in the day.
What a worthless post. It’s obvious you are still in need of remedial work.
I was referring to your Jesuitic attitude, you silly man.
It was a toss-up. I lost. You imprecise scribbler.
As the Stunned mullet said: ‘ Show me a comment from blade, and I will drop a flatus in response.’
[TheStandard: A moderator moved this comment to Open Mike as being off topic or irrelevant in the post it was made in. Be more careful in future.]
Classic – found some anti jokes the other day
‘A horse walked into a bar. Several people got up and left as they spotted the potential danger of the situation.’
Put this up to remind us to keep thinking outside the square – got an election to win and anti jokes could help.
What about this one.
‘What do you get when you cross a joke with a rhetorical question?’
😆 Very good.
Clever
🙂
An answer that is blowing in the wind?
Yes, Marty, Labour needs to punch above their weight by dropping Andy.
Why did Bill English lose the election?
Because the majority of people didn’t trust him or his party national, because of all the lies he told on tv about his cover up in his old electorate, and they therefore voted for labour and the greens instead.
Marty, for such a switched on guy, given the current scandal around Labour that may blow sky high, you should hold off crystal gazing.
But seeing we are crystal gazing, I expect Andy to tender his resignation of the Labour Party on election night. Unless he is a masochist, of course.
One last prediction: if Andy doesn’t step down after losing the election, the bloodbath that follows will have the National Party moving from being a political party to a National institution.
Get to know the voters in the ‘real world,’ not the rhetorical world.
Yep I’m switched on and you should listen to what I’m saying.
I was commenting literally.
Me too
You’re a Tory, right?
No, the Tories are old Labour. Handouts for everyone.
@ Blade, So are you supporting the the third Tory way – neoliberalism – handouts for corporations and money for the most greedy not matter what gender or race.
or the current fourth Tory way aka Trump style handouts for corporations and cronies, reduce democratic rights and have a war on race, money, religion and gender (kinda DUP + UK conservatives as well as Trump when you think about it).
P.S. What are your thoughts on Billy Boy’s chances of being rolled before the election – I’d say 30% chance of Billy being rolled – he’s not a good liar which does not help the Nats chances.
Billy’s much more likely to be rolled than Andy.
”Blade, So are you supporting the the third Tory way – neoliberalism – handouts for corporations and money for the most greedy not matter what gender or race. ”
No, but you are right about corporate welfare. Hence my previous comment:
“No, the Tories are old Labour. Handouts for everyone.”
Substitute State organisations for corporations.
Look, I will let you in on a secret- if you continue to talk of the greedy rich, Labour will have no chance of re-election. Real world voters aren’t interested in the greedy rich…they want to know what’s in it for them. They accept-unlike folk on this site- that some people will always be privileged. Fact of life.
That’s why they call Labour the party of envy. You guys can’t get past believing the world should always be fair.
Bill has no chance of being rolled unless he is caught importing cocaine. Voters like his steady hand. However, I believe Paula Bennett maybe the next leader off the rank, sooner rather than later.
Blade – I never mentioned the ‘greedy rich’ only the ‘greedy’.
I have zero problem with wealthy people , only with Greedy people.
Huge difference.
And I do agree with you about those banging on about greedy rich will not help Labour in the election because being wealthy is desirable by many including the poor and wealth means something different to everyone.
I certainly don’t envy people who work hard and are successful and become wealthy but I do despise those that are too greedy. I think good on corporations and individuals that create well paid jobs and treat their staff fairly and pay their taxes fairly.
Handouts for billionaires are greedy. Corporations not paying local taxes are greedy. Corporations and the individuals closing down factories and putting people out or work are greedy especially after sucking the company dry with personal renumeration payments.
The National party has become a party for the Greedy not the wealthy and that is why NZ First and Labour and Greens will win the next election if it is run in a fair way.
As for Bill, I think he’s Natz best bet but has the odds against him cleaning up Key’s dirty tricks, but relying on ex Benny Bennet who’s sucked off the state her whole life is not exactly a roaring CV for the National voter – so good luck there – having her succeed Bill!
Face it, the Nats have less talent in their MP’s than Labour.
I think Paula has a lot more credibility than Bill especially after the Ranfurly Rabbit Saga in Clutha-Southland ?
Sorry bro, I skimmed your name and though it was Tamati Tutae. My apologies…by the way, what the hell are you on about?
Firstly, that’s not what “envy” means.
Secondly, why shouldn’t people want the world to be fair? Sure, we should all recognise the world is a brutally unfair place, because the benefit of recognising that is that it shows us where to improve it. But why should we be satisfied with a world that is unfair?
Why should we surrender our empathy and humanity in order to thrive in an unfair, unjust world? Because the strength of humanity is that we have the power to affect the shape of that world – so why not aspire to fairness?
You’ve put your finger on the difference between the politics of the left and your politics – and you’re the baddie in this movie, the agent of darkness, chaos, and the carrion-eaters.
But why should we be satisfied with a world that is unfair?
Well, in Blade’s case it comes down to whether the unfairness works in your favour or not.
‘Firstly, that’s not what “envy” means.’
Ok, so what does it mean? Oh, it means this.
”A feeling of discontented or resentful longing aroused by someone else’s possessions, qualities, or luck.” Ironically, its that latter that’s killing Labour.
”Secondly, why shouldn’t people want the world to be fair? ‘
They should want the world to be fair…or more fair. The trouble starts when they make no progress, and become bitter and twisted like many on this blog.
‘You’ve put your finger on the difference between the politics of the left and your politics – and you’re the baddie in this movie, the agent of darkness, chaos, and the carrion-eaters.”
Surely you are having some fun, and taking the piss. It’s hard to tell on this blog.
Oh, so the problem isn’t that they think the world should be fair, it’s just that your side keep preventing this from happening.
Not really. If you’re not on the side that wants the world to be less unfair, that only leaves two unpalatable options that speak poorly of your character. Try breaking it down into some of the ways the world is unfair, and you might get it. Children dying, that sort of thing.
Sorry, are you denying that there are kiwi’s without a roof over their heads?
[TheStandard: A moderator moved this comment to Open Mike as being off topic or irrelevant in the post it was made in. Be more careful in future.]
To Crunchy at 1.2.1: You know exactly what I mean.
heh
Surely you are not denying the bit about the campaign workers being a Labour scheme?
[TheStandard: A moderator moved this comment to Open Mike as being off topic or irrelevant in the post it was made in. Be more careful in future.]
Can you stop trolling please?
It’s Crunchy short for Crunchy the Clown. Don’t even reply – you know that clowns have a tumbling routine that people fall for.
Taranaki engineering export diversification restaurants.
https://www.stuff.co.nz/travel/destinations/asia/94214864/its-the-worlds-biggest-underwater-restaurant–and-it-was-made-in-new-zealand
Stuff we should be focusing on.
1. Climate change.
Temperatures in Iranian city of Ahvaz hit 129.2F (54C), near hottest on Earth in modern measurements.
http://www.independent.co.uk/Weather/iran-ahvaz-hottest-temperature-ever-recorded-world-record-extreme-death-valley-california-a7815771.html
Stuff we should not be focusing on.
1. ‘Celebrity and media’ trivia
TV hosts strike back at US President Donald Trump’s ‘face-lift’ tweets
https://www.stuff.co.nz/world/americas/94287231
The accusation that the Trump White House used the National Enquirer to threaten and blackmail two journalists is a BFD.
In mid-April, Scarborough texted with Trump son-in-law Jared Kushner about the pending Enquirer story. Kushner told Scarborough that he would need to personally apologize to Trump in exchange for getting Enquirer owner David Pecker to stop the story. (A spokesperson for Kushner declined to comment). Scarborough says he refused, and the Enquirer published the story in print on June 5, headlined “Morning Joe Sleazy Cheating Scandal!”
http://nymag.com/daily/intelligencer/2017/06/what-happened-between-trump-morning-joe-and-the-enquirer.html
The argument that those White House messages may have been prosecutable extortion.
http://www.motherjones.com/politics/2017/06/trump-and-his-aides-might-have-broken-the-law-with-morning-joe-threats/
Don’t forget Ed you need to put all your focus on third test next week, then we have plenty of time to get back to the end of the world, house prices, trump, the most fascist national government, the lies, the coming of the messiah Corbyn and the world accordingly to ED and RT😀
So droll
Alert tomorrow morning Wallace Chapman Radionz – good stuff
on Insight and Max Rushbrooke.
8:09 Insight: trade deals and balancing power
8:40 Max Rashbrooke: towards a truly open government
Thanks for that, tuned in now and learning/listening 😀
Glad you did. I started listening to the trade treaty thing and realised that I would just end up despairing at the unequivocal approach to our business enterprise future.
I did hear interesting bit about how we are making relationship with something Pacific and Mexico, Columbia, Chile and somewhere. It might be a good move.
Heh. The Chump appoints Kris Kobach (who’s been been crying about voter fraud despite all the evidence showing it’s a negligible problem) to his voter fraud commission. Kobach issues a letter to all states requesting all info on state voter rolls. Quickly swaps his Kansas Secretary of State hat back on and says back to his own commission fuck off you can’t have it.
http://www.kansascity.com/news/politics-government/article159113369.html
Idiots.
Insecure, too.
The letter asks that the information be submitted to the email address “ElectionIntegrityStaff@ovp.eop.gov,” which does not use basic security protocols.
The email address is assigned to the EOP—the Executive Office of the President. Secure email tests confirm that EOP email addresses don’t use STARTTLS, a protocol for encrypting email while it travels across the internet so it is less likely to be snooped on while in transit.
http://gizmodo.com/trumps-election-fraud-commission-asked-states-to-send-s-1796535568?IR=T
I see Winston’s having a grand old time on Facebook, touring around Northland and highlighting each of the one-way bridges National had promised to double-lane.
Heh. How many have they actually done?
Highlighting Bridges promises to the Northland Electorate – Indian Giver ?
Some great TV
All Blacks lose. What will be Bling’s social media respose?
Maybe he’ll sing that nice ‘Sorry’ song by Tracy Chapman. I can almost hear it now…
If the ref had kept his mouth shut, Sonny Bill would have been able to see the game out.
Blinky Bill meets Sonny Blill and they all laugh because they have more likes than Andy.