Nats’ economic genius at work in the property market

Written By: - Date published: 7:35 am, November 14th, 2014 - 45 comments
Categories: housing, national - Tags: , , ,

National governments are terrible managers of the economy. Historically they have brought us lower growth and higher debt than Labour governments. The current lot are amongst the worst.

Consider, for example, the mess the Nats are making of the housing market. Instead of addressing the real problems of supply and speculation, Bill English tried to mask the symptom of escalating prices with an easy but ineffectual LVR (Loan to Value Ratio) restriction (while simultaneously undermining it with Welcome Home Loans). This despite being warned by Treasury that LVR restriction would likely hurt first home buyers – which it duly did.

Last Monday English called for the LVR restriction to be removed:

Mr English said today pressures were easing, and while decisions on LVRs are for the Reserve Bank to make, he thinks its managers will move. “They find themselves in a world where the current interest rate pressure is less than they expected and probably house price inflation is a bit lower than they expected. … “There’s less pressure to have them now than there was and I would expect that the bank is looking at the path to the end of LVRs.”

Pressures are easing? Really? Yesterday:

Spring house price surge in October

Auckland house prices have hit a new high and national sales volumes rose 11.8 per cent last month in a big spring resurgence. Real Estate Institute data just released showed Auckland’s median price reached a new record of $640,500 which is $3500 above the previous high set in March.

Auckland’s median price rose 10.1 per cent or $58,500 from October last year to last month. Prices were up in Manukau, Auckland and Waitakere cities. The region’s median price rose $25,500 (+4.1 per cent) from September to October, with Waitakere and Manukau cities recording the largest median price increases.

Oh and just for good measure:

Flush owners cashing in on rising house values

Homeowners feeling flush after learning their newly-released property values are borrowing more from banks to splurge on new cars, boats and home renovations. … Anyone feeling rich after seeing their home’s paper value shoot up – many by over 40 per cent – should think carefully before piling thousands more on to their mortgage …

Yup, it sounds like pressures in the property market are “easing” all right. Bring on those fifty year mortgages.

Message to the economic geniuses of Planet Key. The housing bubble is out of control and you are just tinkering at the edges of the problem. You need to address the real issues – supply and speculation. Labour has readymade policy you could steal – Kiwibuild and a capital gains tax.

45 comments on “Nats’ economic genius at work in the property market ”

  1. Paul 1

    Excellent post.
    Maybe our dear leader could get some tips when he meets Angels Merkl about their amazing policies regarding rental properties.
    http://qz.com/167887/germany-has-one-of-the-worlds-lowest-homeownership-rates/

  2. Ad 2

    That shrinking 45% who got their early Christmas present by opening their fresh evaluation notice will feel content with National.

    And the growing 55%, not so much.

  3. shorts 3

    Labour may not be able to claim the high ground on homes, at least however they are thinking of solutions not propping up their support base at the countries cost: http://norightturn.blogspot.co.nz/2014/11/should-labour-really-chase-rich.html

    • karol 3.1

      The Greens have an explicit policy on increasing the amount of state houses.

      This is necessary to stop housing price inflation.

      I don’t see anything similar in Labour’s housing policy overview.

      But they do have something on it in the more detailed outline of their housing policy.
      Under the heading:

      “Supporting social housing to support families”

      • ghostwhowalksnz 3.1.1

        Increasing state houses wont stop house price inflation. Full stop. End of story.

        House price inflation is mostly due to easy money from banks. Its in their interest to have lenders taking bigger loans year after year while the security is protected.
        Double whammy really which only suits bank.

        At the moment Banks only have 6-7% of capital compared to amount they borrow ( short term to lend long term where the Interest rate dividend is their margin)

        A large business would normally only have 50% capital compared to borrowed money.
        The only difference between capital and borrowed money is only one has to be paid back.

        This is why banks take high risks because its other peoples money mostly. Wall St is even worse, its only 2-3% of their capital.

        Solution move Banks ( and other lenders such as finance companies) up to the 15-20% use of own capital. Some finance companies should be at 25-30%.

        • Draco T Bastard 3.1.1.1

          We need to do both. Increase state housing so that there’s a 1 to 2% over supply of housing and remove the private banks capability to create money. Th first decreases demand and so will decrease prices that can be charged and the second will decrease the amount of money available for borrowing which will also decrease prices.

          On top of that we also need to ban foreign ownership so that NZs resources are only available to support NZers. This will also decreases prices.

          Problem, no one will vote to decrease the price of their house unless they end up in a better position. To do this we need to have the government offer to buy the house at the present valuation and offer the people who presently live in it a lifetime lease at 25% of household income.

          • ghostwhowalksnz 3.1.1.1.1

            NO problem with creating money, because they dont.
            For every dollar lent on housing, credit cards, business loans etc, the banks have to borrow from someone else.
            And if the overnight numbers dont match up they have to borrow from reserve bank for that night.

            AS for ‘creating credit’, every business does it. The corner lunch shop will have some regular customers who dont pay till payday.
            Creating credit ? Absolutely.

            Banks are regulated so they have to be a bit more precise than that, but they borrow money short term to lend long, thats where they make their money.

            30 day money or 90 day money is at 3% say, 25 year loan is at 6.5% . There you have profit.

            This idea that Banks created money to lend for normal purposes just doesnt happen. Its an old Social Credit idea that refuses to die , yet its absurd.

            Federal Reserve and Bank of England DID create money over last 5 years but that was unusual and everyone knew about it, That a local bank would create money is just absurd ( plus would lead to 100% per week inflation)

            • Nic the NZer 3.1.1.1.1.1

              Banks do create money when they make loans, its called bank credit and is counted by the RBNZ as part of M3 measures of the money supply. Even the money-multiplier model of banking (which implies incorrectly that there is a limited amount of bank credit able to be created) banks still create money every time they make loans. But I am not on the same page as Draco that full reserve banking is necessarily a good idea or even possible (as banks are simply doing a trade-credit for their lending anyway).

              Its not an old Social Credit idea that refuses to die, its an economic reality which is constantly denied by main-stream economists. The reality of this was recently acknowledged as fact by the Bank of England in fact.

              • Draco T Bastard

                But I am not on the same page as Draco that full reserve banking is necessarily a good idea or even possible (as banks are simply doing a trade-credit for their lending anyway).

                It’s not only possible but essential. Infinite exponential growth on a finite planet is impossible.

                • Nic the NZer

                  Physical growth and income growth are not inexorably connected. To think so is to buy into the worst aspects of main-stream economics.

                  The economic theory of monetarism (now widely discredited) directly linked growth of the money supply with growth of the economy, but of course there is no causal mechanism there as you know. The point being its possible to grow peoples income while resolving the planets resource problems and moving onto a sustainable path. We can do that by adopting policies of paying people income to implement sustainable solutions for the economy. There is no hard connection between the real economy and the financial economy, and in a related misconception the financial economy doesn’t have to grow to support interest payments on debt.

            • Colonial Rawshark 3.1.1.1.1.2

              GWWN – there is a hierarchy of money in our economy. Bank credit, eg via a credit card, is almost as good as cash.

              A lunch bar extending someone a tab (IOU) for the week is far far down the hierarchy of money.

              This becomes obvious when the lunch bar tries to settle rent with their landlord using the weekly IOUs from their customers.

              For every dollar lent on housing, credit cards, business loans etc, the banks have to borrow from someone else.
              And if the overnight numbers dont match up they have to borrow from reserve bank for that night.

              No, I don’t think so. It lacks the understanding that banks make loans first and then at some later time go hunting for any reserves which might be required. (And the reserves which are required are not 100% of the loan they made, and as you implied, the Reserve Bank can print any funds it needs to lend each night, instantly without limit).

            • Draco T Bastard 3.1.1.1.1.3

              Nope, wrong. Very badly wrong.

              Banks create money every time they make a loan. That’s documented and I’ve linked to it time and time again.

              Why do you refuse to accept reality?

              • ghostwhowalksnz

                Every time they make a loan, they are required to borrow from someone else, ie deposits, term deposits , offshore etc.
                Ive even shown you how they make money even though its covered by borrowing, why do you live in the 60s with discredited Social Credit theories?

                If the NZ government has to cover its deficit by borrowing, what fool would let the banks create it for nothing.
                As we see, the GFC meant the US, UK ( and probably China) created money, that money virtually went straight to the big banks to on lend.

                You have no real proof of what you say, and any way banks balance sheets show they have assets ( loans) covered by liabilities (borrowed money).
                This is shown during the GFC where the Government had to guarantee the banks deposits, if they could create money they would have no need of this. Why would banks be borrowing in wholesale market or using new instruments such as covered bonds if they could just ‘create it’.
                And please dont refer to Wikipedia for answers !

  4. Tracey 4

    oh and the reserve bank govenor doesnt agree with english by keeping lvr in place…

    in hobsonville 20% of new homes under hnz development will be affordable. 485 (?) as long as you stay 2 years and dont earn more than 120k… so in 2 years what do we think they will be selling them for?

  5. Kevin Churchill 5

    It’s clearly not believable that the English & co care very much about the house price inflation that (mostly) Auckland and Christchurch suffer from because their policies fuel price rises. The tax deduction allowed for loans on second and consequent houses, the level of foreign immigration (believed in access of 40,000 this year), the fact that foreign non residents are allowed to speculate in residential housing all add to the inflationary effect.

    I think too that the effects of their state housing policies of paying private landlords, coupled with the reduction of the number state houses and a inadequate new house building program all excarbate house price inflation. Their state house policies must also inflate rent prices too and offer a further incentive for people to buy extra houses and, of course, the absence of any enforceable standards that ensure rentals are warm and dry all impact negatively on the same people over and over again.

    The banks are a further force pushing house and land prices too, by providing easy credit, they are having a field day (I think ANZ’s profit has been 6% a quarter). It’s illustrative that radio NZ and other media use the bank economists as comentaters on housing and economic comentators – it must be because they’re “independant”.

    So the nats need to address the demand side of the market – fat chance.

    • Tracey 5.1

      why would they… developers… investors… financiers… real estate agents….

      peter thompson of barfoot and thompson is a BIG nats supporter… do you imagine at dinner with john or bill he urges a slow down?

  6. greywarshark 6

    Went to a talk on eco solutions and architecture last night. After, I talked to a locally employed eco advisor and, further to one of the points about houses getting bigger and expectations having risen exponentially in their design and equipment, he said that many people build large and not long after are looking for something smaller and easier to maintain.

    There was talk about the sort of insecurity that affects people and makes them choose a big house that is impressive to others, and that those involved in housing find this frequently. It seems that people want to display their worth by an imposing or architecturally different edifice. Then there is a conformity where everyone is doing that, a keeping up with the Jones effect. A slide was shown of the extravagant house built by a USA sports player millionaire, he had a lake formed that was 2 acres and a mansion that took 15 years to sell and was then pulled down, so wasted. His marriage went on the rocks. His life should have been good but no. Sad.

    • Tracey 6.1

      yup.. our homes… incl mine… are too big… so we fill it up with suff we dont need…

      • greywarshark 6.1.1

        No doubt about it, smaller homes – less stuff. People shifting to elderly residences find that.

    • aj 6.2

      Status Anxiety, a book by Alain de Botton, discusses the desire of people in many modern societies to “climb the social ladder” and the anxieties that result from a focus on how one is perceived by others. De Botton claims that chronic anxiety about status is an inevitable side effect of any democratic, ostensibly egalitarian society. De Botton lays out the causes of and solutions to status anxiety.

      A two-hour documentary film about this thesis, also called Status Anxiety and written by Alain de Botton, was released in 2004.

      This is a must watch.

      http://www.youtube.com/watch?v=t1MqJPHxy6g

      • greywarshark 6.2.1

        @ aj
        That sounds interesting thanks for the tip. And the detail. By the way have you read Paul Fussell’s book on Class in the USA. It is quite old but human nature changes little really. I thought quite good.

  7. Nic the NZer 7

    Labours capital gains tax policy will be less effective than the LVR is. I believe due in part to the LVR many housing markets around the country have seen declining prices, excluding Auckland. The LVR could be applied more widely however.

    I have seen zero examples countries where a CGT policy has had any effect on the housing market, and Labours watered down proposal was certainly not going to have any impact. In fact several countries where a CGT is in place also have some of the biggest property bubbles in the world. Imagining that a CGT will work differently in NZ is just a bunch of wishful thinking.

    • ghostwhowalksnz 7.1

      Thats because of CGT nemisis which is called negative gearing.

      • Nic the NZer 7.1.1

        Really? Do you have any examples where countries have a CGT, and don’t allow negative gearing which show that a CGT does in fact work. I have an example, the UK, which shows that it still doesn’t work (the UK has a huge property bubble centered in London).

    • Murray Rawshark 7.2

      I reckon we need CGT just so all income is taxed on an equal basis. I agree the way Labour approached it was weak. The housing bubble can be cut down to size by building state houses, imposing restrictions on the number of houses one person can own, prohibiting ownership by non-residents, controlling rents, and having a rental WOF. Most of that would go down like a cup of cold sick, but we need it.

      The simple truth is that we need to direct money into more than serendipitiously placed dirt if we wish to be more than a third world country.

  8. tc 8

    It’s working exactly as the nats intended, more gains for speculators without a CGT in place and LVR helps keep actual home buyers out of the market.

    Banks charge bigger interest bills and agents rake in larger commisssions as the cheap asian finance is causing a bidding war in some areas so it’s a win across the nat fan base.

    English must piss himself at how easy this all is with the MSM in their pocket.

    • Tracey 8.1

      exactly

    • Nic the NZer 8.2

      The property market depends on new entrants (the first home buyers) flowing into the market to keep going. Its highly unlikely that any policy to level the housing market will not discriminate against first home buyers in some way. The government might have structured the LVR restrictions on a per-property basis to be more fair, and removed exemptions so they had to apply to all loans however. This would have been more reasonable without setting up a structural advantage for existing borrowers (with the extra equity in their property).

      The housing bubble is a classic ponzi game, once prices stop going up its the most recent entrants who lose out (e.g the latest round of first home buyers). They lose because they paid over the odds for an asset which is no-longer appreciating in value rapidly.

      • Tracey 8.2.1

        I have lived in auckland almost all my life. I have been a house owner in central auckland since 1991. House prices have NEVER levelled in that time. My current homecost 540k in late 2001. Leaving aside the leaky home repairs, it has just been valued by council at 1,380,000.

        In 13 years. Auckland is disproportionately attractive as a job centre. Unless migrants are diverted to regions, and why would they be, auckland just keeps growing, and demand for homes continues

        If this government were genuine and consistent they would be piling money into aucklands public transport system, buses, train loops and connections to enable people to drift much farther from the centre where opening up land doesnt remove green spaces from the inner areas.

        Utilising places like pukekohe, waiuku, drury, orewa, as genuine satelites from where people can commute efficiently, time and money.

        • Nic the NZer 8.2.1.1

          Well I do think a lot of your suggestions would be positive developments. Not sure that the government can do that much to actually bring house prices into line however. Its kind of a main-stream economics idea that they should be in line with the economy some how, and it also seems un-realistic to imagine that there are any reasons this should happen automatically. I don’t think that the government can do much to bring prices into level looking at the housing market in isolation.

          One of the underlying reasons for the housing market to stick out is that wages have not been growing in line with productivity. This means that workers need to take on more debt to make the significant purchase of a house, which seems to have contributed to starting a bubble at least, if not pushing it along. There has also been quite low inflation, which means that real returns on capital gains have been higher. Its going to take quite a long time for wages to shift up again however, even if the government is consistently positively contributing to that.

          • Draco T Bastard 8.2.1.1.1

            This means that workers need to take on more debt to make the significant purchase of a house, which seems to have contributed to starting a bubble at least, if not pushing it along.

            More and more workers aren’t, because they can’t, taking on that debt. IMO, I think you’ll find that what’s been pushing up house prices over the last twenty years is the few rich people who are taking the proceeds of greater productivity and putting it into housing.

            Basically, house price inflation is what you get when the accumulation of wealth to the few gets out of control and we got that from cutting taxes on the rich and the destruction of the arbitrage system. We supposedly got inflation under control but in reality it’s just shifted from everything to housing and is now used as a way to get rich quick by those who are already well off.

        • tc 8.2.1.2

          akl is a basket case that needs billions spent.

          We need to develop the potential of rural NZ towns that have basic infrastructure, some are getting fibre (Tokoroa etc) and have existing communities that can be built on and redistribute the population and businesses there.

          This is where the nats deliberate neglect/sabotage of rail can be seen for what it is….naked ideological economic ruin.

    • Colonial Rawshark 8.3

      Good analysis. If you had a six million dollar property portfolio in Auckland 3 years ago, chances are it’s worth about ten million today. $4M in tax free gains over 3 years. Which is more than someone on the median wage earns in 100 years. So everything is working fine.

      • tc 8.3.1

        yup the rich just keep getting richer and the poor according to this govt make bad choices that’s why they are poor.

      • Tracey 8.3.2

        Basically owning rental homes is the biggest tax dodge in the country.

        My son opened a savings account now he is nearly working fulltime. Got $9 in interest of which over $2 went in tax. Labour suggested 15% on capital gain…

        • Craig H 8.3.2.1

          Literally a tax dodge – capital gains are taxable income if that was part of the intent behind making an asset purchase. The number of people who evade tax by failing to declare capital gains is undoubtedly huge, mainly because of the misconception that capital gains aren’t taxable unless you’re a trader.

          Here’s my suggestion – don’t bother with an actual CGT, just tell IRD to make it a compliance focus.

  9. DH 9

    IMO what’s needed in the housing market is a dismantling of the rachet effect and that would, I think, require state intervention.

    Rents and mortgage payments need to be decoupled, presently they’re tied tightly to each other. When rents go up it creates more demand to buy property which naturally pushes up house prices. When house prices go up that increases the demand for rentals which in turn pushes rents up.

    That’s the housing ratchet; rents up a notch, house prices up a notch, rents up the next notch, houses up… and so on ad finitum. Fluctuating interest rates add another ratchet. Interest rates fall; rents don’t fall so the mortgage payments fall against rents and up goes the demand to buy property. Interest rates rise; up go rents. Click, click…click goes the ratchet.

    A practical method of separating the rental from the owner-occupied home is to use investors greed against them. Hit them with a capital gains tax every time they increase their rents. It’s investing 101 that, all other factors being unchanged, a rent increase signals a capital gain so it would very reasonable and fair to tax them on that basis.

    A prime reason you’d use that method is because it would slow down rent increases and seriously restrict the amount investors can borrow against their housing equity. Instead of using inflated values to borrow more money to buy more property they’d have to borrow some to pay the CGT and many would prefer to instead not put rents up.

    I see it as using capitalism to your advantage instead of fighting it. If they want the rent increases, and the inflated property values that go with it, they have to pay tax on their gains. If they don’t want to pay tax they don’t get the rent increase and their property (likely) won’t go up in value. Their own personal level of greed will rule their actions. They can’t complain because no-one would be forcing them to pay tax, the choice is theirs.

    If you have a whole bunch of rental properties with rents held low due to tightarsed investors not wanting to pay tax you’d see a significant decoupling of the rent/house price ratchet. That would give renters the breathing space to save for a deposit if home ownership was their goal.

    CGT doesn’t prevent housing inflation when you apply it to the sale of a property. It has to be imposed while the gains are being made, not when the gains are realised. Labour’s CGT was useless, would only have been a revenue earner and a poor one at that.

    Anyway, that’s my 2c. A pipe dream I know… but it would work.

  10. NZJester 10

    But, But. Hey look over there John said that President Obama might grace us with a visit.
    Move along now nothing to see here.

  11. A Voter 11

    Well aint it Grand Crafarrar farms sold to foreign billionaire
    What were they worth forgot ,20mil or 60 or whatever
    They could have sold them individually to Kiwis but I suspect our ballooning debt to China has got us screwed, so much for Whizz Kid John and his brilliant economic merchant banking genius
    Sellout fraud of the highest order I reckon
    Goodbye SOVEREIGNTY

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    How to Retrieve Deleted Call Log on iPhone Without a Computer: A StepbyStep Guide Losing your iPhone call history can be frustrating, especially when you need to find a specific number or recall an important conversation. But before you panic, know that there are ways to retrieve deleted call logs on your iPhone, even without a computer. This guide will explore various methods, ranging from simple checks to utilizing iCloud backups and thirdparty applications. So, lets dive in and recover those lost calls! 1. Check Recently Deleted Folder: Apple understands that accidental deletions happen. Thats why they introduced the Recently Deleted folder for various apps, including the Phone app. This folder acts as a safety net, storing deleted call logs for up to 30 days before permanently erasing them. Heres how to check it: Open the Phone app on your iPhone. Tap on the Recents tab at the bottom. Scroll to the top and tap on Edit. Select Show Recently Deleted. Browse the list to find the call logs you want to recover. Tap on the desired call log and choose Recover to restore it to your call history. 2. Restore from iCloud Backup: If you regularly back up your iPhone to iCloud, you might be able to retrieve your deleted call log from a previous backup. However, keep in mind that this process will restore your entire phone to the state it was in at the time of the backup, potentially erasing any data added since then. Heres how to restore from an iCloud backup: Go to Settings > General > Reset. Choose Erase All Content and Settings. Follow the onscreen instructions. Your iPhone will restart and show the initial setup screen. Choose Restore from iCloud Backup during the setup process. Select the relevant backup that contains your deleted call log. Wait for the restoration process to complete. 3. Explore ThirdParty Apps (with Caution): ...
    17 hours ago
  • How to Factory Reset iPhone without Computer: A Comprehensive Guide to Restoring your Device
    Life throws curveballs, and sometimes, those curveballs necessitate wiping your iPhone clean and starting anew. Whether you’re facing persistent software glitches, preparing to sell your device, or simply wanting a fresh start, knowing how to factory reset iPhone without a computer is a valuable skill. While using a computer with ...
    1 day ago
  • How to Call Someone on a Computer: A Guide to Voice and Video Communication in the Digital Age
    Gone are the days when communication was limited to landline phones and physical proximity. Today, computers have become powerful tools for connecting with people across the globe through voice and video calls. But with a plethora of applications and methods available, how to call someone on a computer might seem ...
    1 day ago
  • Skeptical Science New Research for Week #16 2024
    Open access notables Glacial isostatic adjustment reduces past and future Arctic subsea permafrost, Creel et al., Nature Communications: Sea-level rise submerges terrestrial permafrost in the Arctic, turning it into subsea permafrost. Subsea permafrost underlies ~ 1.8 million km2 of Arctic continental shelf, with thicknesses in places exceeding 700 m. Sea-level variations over glacial-interglacial cycles control ...
    1 day ago
  • Where on a Computer is the Operating System Generally Stored? Delving into the Digital Home of your ...
    The operating system (OS) is the heart and soul of a computer, orchestrating every action and interaction between hardware and software. But have you ever wondered where on a computer is the operating system generally stored? The answer lies in the intricate dance between hardware and software components, particularly within ...
    1 day ago
  • How Many Watts Does a Laptop Use? Understanding Power Consumption and Efficiency
    Laptops have become essential tools for work, entertainment, and communication, offering portability and functionality. However, with rising energy costs and growing environmental concerns, understanding a laptop’s power consumption is more important than ever. So, how many watts does a laptop use? The answer, unfortunately, isn’t straightforward. It depends on several ...
    1 day ago
  • How to Screen Record on a Dell Laptop A Guide to Capturing Your Screen with Ease
    Screen recording has become an essential tool for various purposes, such as creating tutorials, capturing gameplay footage, recording online meetings, or sharing information with others. Fortunately, Dell laptops offer several built-in and external options for screen recording, catering to different needs and preferences. This guide will explore various methods on ...
    1 day ago
  • How Much Does it Cost to Fix a Laptop Screen? Navigating Repair Options and Costs
    A cracked or damaged laptop screen can be a frustrating experience, impacting productivity and enjoyment. Fortunately, laptop screen repair is a common service offered by various repair shops and technicians. However, the cost of fixing a laptop screen can vary significantly depending on several factors. This article delves into the ...
    1 day ago
  • How Long Do Gaming Laptops Last? Demystifying Lifespan and Maximizing Longevity
    Gaming laptops represent a significant investment for passionate gamers, offering portability and powerful performance for immersive gaming experiences. However, a common concern among potential buyers is their lifespan. Unlike desktop PCs, which allow for easier component upgrades, gaming laptops have inherent limitations due to their compact and integrated design. This ...
    1 day ago
  • Climate Change: Turning the tide
    The annual inventory report of New Zealand's greenhouse gas emissions has been released, showing that gross emissions have dropped for the third year in a row, to 78.4 million tons: All-told gross emissions have decreased by over 6 million tons since the Zero Carbon Act was passed in 2019. ...
    No Right TurnBy Idiot/Savant
    1 day ago
  • How to Unlock Your Computer A Comprehensive Guide to Regaining Access
    Experiencing a locked computer can be frustrating, especially when you need access to your files and applications urgently. The methods to unlock your computer will vary depending on the specific situation and the type of lock you encounter. This guide will explore various scenarios and provide step-by-step instructions on how ...
    1 day ago
  • Faxing from Your Computer A Modern Guide to Sending Documents Digitally
    While the world has largely transitioned to digital communication, faxing still holds relevance in certain industries and situations. Fortunately, gone are the days of bulky fax machines and dedicated phone lines. Today, you can easily send and receive faxes directly from your computer, offering a convenient and efficient way to ...
    1 day ago
  • Protecting Your Home Computer A Guide to Cyber Awareness
    In our increasingly digital world, home computers have become essential tools for work, communication, entertainment, and more. However, this increased reliance on technology also exposes us to various cyber threats. Understanding these threats and taking proactive steps to protect your home computer is crucial for safeguarding your personal information, finances, ...
    1 day ago
  • Server-Based Computing Powering the Modern Digital Landscape
    In the ever-evolving world of technology, server-based computing has emerged as a cornerstone of modern digital infrastructure. This article delves into the concept of server-based computing, exploring its various forms, benefits, challenges, and its impact on the way we work and interact with technology. Understanding Server-Based Computing: At its core, ...
    1 day ago
  • Vroom vroom go the big red trucks
    The absolute brass neck of this guy.We want more medical doctors, not more spin doctors, Luxon was saying a couple of weeks ago, and now we’re told the guy has seven salaried adults on TikTok duty. Sorry, doing social media. The absolute brass neck of it. The irony that the ...
    More Than A FeildingBy David Slack
    1 day ago
  • Jones finds $410,000 to help the government muscle in on a spat project
    Buzz from the Beehive Oceans and Fisheries Minister Shane Jones relishes spatting and eagerly takes issue with environmentalists who criticise his enthusiasm for resource development. He relishes helping the fishing industry too. And so today, while the media are making much of the latest culling in the public service to ...
    Point of OrderBy Bob Edlin
    1 day ago
  • Again, hate crimes are not necessarily terrorism.
    Having written, taught and worked for the US government on issues involving unconventional warfare and terrorism for 30-odd years, two things irritate me the most when the subject is discussed in public. The first is the Johnny-come-lately academics-turned-media commentators who … Continue reading ...
    KiwipoliticoBy Pablo
    1 day ago
  • Despair – construction consenting edition
    Eric Crampton writes – Kainga Ora is the government’s house building agency. It’s been building a lot of social housing. Kainga Ora has its own (but independent) consenting authority, Consentium. It’s a neat idea. Rather than have to deal with building consents across each different territorial authority, Kainga Ora ...
    Point of OrderBy poonzteam5443
    1 day ago
  • Coalition promises – will the Govt keep the commitment to keep Kiwis equal before the law?
    Muriel Newman writes – The Coalition Government says it is moving with speed to deliver campaign promises and reverse the damage done by Labour. One of their key commitments is to “defend the principle that New Zealanders are equal before the law.” To achieve this, they have pledged they “will not advance ...
    Point of OrderBy poonzteam5443
    1 day ago
  • An impermanent public service is a guarantee of very little else but failure
    Chris Trotter writes –  The absence of anything resembling a fightback from the public servants currently losing their jobs is interesting. State-sector workers’ collective fatalism in the face of Coalition cutbacks indicates a surprisingly broad acceptance of impermanence in the workplace. Fifty years ago, lay-offs in the thousands ...
    Point of OrderBy poonzteam5443
    1 day ago
  • What happens after the war – Mariupol
    Mariupol, on the Azov Sea coast, was one of the first cities to suffer almost complete destruction after the start of the Ukraine War started in late February 2022. We remember the scenes of absolute destruction of the houses and city structures. The deaths of innocent civilians – many of ...
    1 day ago
  • Babies and benefits – no good news
    Lindsay Mitchell writes – Ten years ago, I wrote the following in a Listener column: Every year around one in five new-born babies will be reliant on their caregivers benefit by Christmas. This pattern has persisted from at least 1993. For Maori the number jumps to over one in three.  ...
    Point of OrderBy poonzteam5443
    1 day ago
  • Should the RBNZ be looking through climate inflation?
    Climate change is expected to generate more and more extreme events, delivering a sort of structural shock to inflation that central banks will have to react to as if they were short-term cyclical issues. Photo: Lynn Grieveson / The KākāMy pick of the six newsey things to know from Aotearoa’s ...
    The KakaBy Bernard Hickey
    1 day ago
  • Bernard's pick 'n' mix of the news links
    The top six news links I’ve seen elsewhere in the last 24 hours, as of 9:16 am on Thursday, April 18 are:Housing: Tauranga residents living in boats, vans RNZ Checkpoint Louise TernouthHousing: Waikato councillor says wastewater plant issues could hold up Sleepyhead building a massive company town Waikato Times Stephen ...
    The KakaBy Bernard Hickey
    1 day ago
  • Gordon Campbell on the public sector carnage, and misogyny as terrorism
    It’s a simple deal. We pay taxes in order to finance the social services we want and need. The carnage now occurring across the public sector though, is breaking that contract. Over 3,000 jobs have been lost so far. Many are in crucial areas like Education where the impact of ...
    2 days ago
  • Meeting the Master Baiters
    Hi,A friend had their 40th over the weekend and decided to theme it after Curb Your Enthusiasm fashion icon Susie Greene. Captured in my tiny kitchen before I left the house, I ending up evoking a mix of old lesbian and Hillary Clinton — both unintentional.Me vs Hillary ClintonIf you’re ...
    David FarrierBy David Farrier
    2 days ago
  • How extreme was the Earth's temperature in 2023
    This is a re-post from Andrew Dessler at the Climate Brink blog In 2023, the Earth reached temperature levels unprecedented in modern times. Given that, it’s reasonable to ask: What’s going on? There’s been lots of discussions by scientists about whether this is just the normal progression of global warming or if something ...
    2 days ago
  • Backbone, revisited
    The schools are on holiday and the sun is shining in the seaside village and all day long I have been seeing bunches of bikes; Mums, Dads, teens and toddlers chattering, laughing, happy, having a bloody great time together. Cheers, AT, for the bits of lane you’ve added lately around the ...
    More Than A FeildingBy David Slack
    2 days ago
  • Ministers are not above the law
    Today in our National-led authoritarian nightmare: Shane Jones thinks Ministers should be above the law: New Zealand First MP Shane Jones is accusing the Waitangi Tribunal of over-stepping its mandate by subpoenaing a minister for its urgent hearing on the Oranga Tamariki claim. The tribunal is looking into the ...
    No Right TurnBy Idiot/Savant
    2 days ago
  • What’s the outfit you can hear going down the gurgler? Probably it’s David Parker’s Oceans Sec...
    Buzz from the Beehive Point  of Order first heard of the Oceans Secretariat in June 2021, when David Parker (remember him?) announced a multi-agency approach to protecting New Zealand’s marine ecosystems and fisheries. Parker (holding the Environment, and Oceans and Fisheries portfolios) broke the news at the annual Forest & ...
    Point of OrderBy Bob Edlin
    2 days ago
  • Will politicians let democracy die in the darkness?
    Bryce Edwards writes  – Politicians across the political spectrum are implicated in the New Zealand media’s failing health. Either through neglect or incompetent interventions, successive governments have failed to regulate, foster, and allow a healthy Fourth Estate that can adequately hold politicians and the powerful to account. ...
    Point of OrderBy poonzteam5443
    2 days ago
  • Matt Doocey doubles down on trans “healthcare”
    Citizen Science writes –  Last week saw two significant developments in the debate over the treatment of trans-identifying children and young people – the release in Britain of the final report of Dr Hilary Cass’s review into gender healthcare, and here in New Zealand, the news that the ...
    Point of OrderBy poonzteam5443
    2 days ago
  • A TikTok Prime Minister.
    One night while sleeping in my bed I had a beautiful dreamThat all the people of the world got together on the same wavelengthAnd began helping one anotherNow in this dream, universal love was the theme of the dayPeace and understanding and it happened this wayAfter such an eventful day ...
    Nick’s KōreroBy Nick Rockel
    2 days ago
  • Texas Lessons
    This is a guest post by Oscar Simms who is a housing activist, volunteer for the Coalition for More Homes, and was the Labour Party candidate for Auckland Central at the last election. ...
    Greater AucklandBy Guest Post
    3 days ago
  • Bernard's pick 'n' mix of the news links at 6:06 am
    The top six news links I’ve seen elsewhere in the last 24 hours as of 6:06 am on Wednesday, April 17 are:Must read: Secrecy shrouds which projects might be fast-tracked RNZ Farah HancockScoop: Revealed: Luxon has seven staffers working on social media content - partly paid for by taxpayer Newshub ...
    The KakaBy Bernard Hickey
    3 days ago
  • Fighting poverty on the holiday highway
    Turning what Labour called the “holiday highway” into a four-lane expressway from Auckland to Whangarei could bring at least an economic benefit of nearly two billion a year for Northland each year. And it could help bring an end to poverty in one of New Zealand’s most deprived regions. The ...
    PolitikBy Richard Harman
    3 days ago
  • Bernard's six-stack of substacks at 6:26 pm
    Tonight’s six-stack includes: launching his substack with a bunch of his previous documentaries, including this 1992 interview with Dame Whina Cooper. and here crew give climate activists plenty to do, including this call to submit against the Fast Track Approvals bill. writes brilliantly here on his substack ...
    The KakaBy Bernard Hickey
    3 days ago
  • At a glance – Is the science settled?
    On February 14, 2023 we announced our Rebuttal Update Project. This included an ask for feedback about the added "At a glance" section in the updated basic rebuttal versions. This weekly blog post series highlights this new section of one of the updated basic rebuttal versions and serves as a ...
    3 days ago
  • Apposite Quotations.
    How Long Is Long Enough? Gaza under Israeli bombardment, July 2014. This posting is exclusive to Bowalley Road. ...
    3 days ago
  • What’s a life worth now?
    You're in the mall when you hear it: some kind of popping sound in the distance, kids with fireworks, maybe. But then a moment of eerie stillness is followed by more of the fireworks sound and there’s also screaming and shrieking and now here come people running for their lives.Does ...
    More Than A FeildingBy David Slack
    3 days ago
  • Howling at the Moon
    Karl du Fresne writes –  There’s a crisis in the news media and the media are blaming it on everyone except themselves. Culpability is being deflected elsewhere – mainly to the hapless Minister of Communications, Melissa Lee, and the big social media platforms that are accused of hoovering ...
    Point of OrderBy poonzteam5443
    3 days ago
  • Newshub is Dead.
    I don’t normally send out two newsletters in a day but I figured I’d say something about… the news. If two newsletters is a bit much then maybe just skip one, I don’t want to overload people. Alternatively if you’d be interested in sometimes receiving multiple, smaller updates from me, ...
    Nick’s KōreroBy Nick Rockel
    3 days ago
  • Seymour is chuffed about cutting early-learning red tape – but we hear, too, that Jones has loose...
    Buzz from the Beehive David Seymour and Winston Peters today signalled that at least two ministers of the Crown might be in Wellington today. Seymour (as Associate Minister of Education) announced the removal of more red tape, this time to make it easier for new early learning services to be ...
    Point of OrderBy Bob Edlin
    3 days ago
  • Bryce Edwards: Will politicians let democracy die in the darkness?
    Politicians across the political spectrum are implicated in the New Zealand media’s failing health. Either through neglect or incompetent interventions, successive governments have failed to regulate, foster, and allow a healthy Fourth Estate that can adequately hold politicians and the powerful to account. Our political system is suffering from the ...
    Democracy ProjectBy bryce.edwards
    3 days ago
  • Was Hawkesby entirely wrong?
    David Farrar  writes –  The Broadcasting Standards Authority ruled: Comments by radio host Kate Hawkesby suggesting Māori and Pacific patients were being prioritised for surgery due to their ethnicity were misleading and discriminatory, the Broadcasting Standards Authority has found. It is a fact such patients are prioritised. ...
    Point of OrderBy poonzteam5443
    3 days ago
  • PRC shadow looms as the Solomons head for election
    PRC and its proxies in Solomons have been preparing for these elections for a long time. A lot of money, effort and intelligence have gone into ensuring an outcome that won’t compromise Beijing’s plans. Cleo Paskall writes – On April 17th the Solomon Islands, a country of ...
    Point of OrderBy poonzteam5443
    3 days ago
  • Climate Change: Criminal ecocide
    We are in the middle of a climate crisis. Last year was (again) the hottest year on record. NOAA has just announced another global coral bleaching event. Floods are threatening UK food security. So naturally, Shane Jones wants to make it easier to mine coal: Resources Minister Shane Jones ...
    No Right TurnBy Idiot/Savant
    3 days ago
  • Is saving one minute of a politician's time worth nearly $1 billion?
    Is speeding up the trip to and from Wellington airport by 12 minutes worth spending up more than $10 billion? Photo: Lynn Grieveson / The KākāTL;DR: The six news items that stood out to me in the last day to 8:26 am today are:The Lead: Transport Minister Simeon Brown announced ...
    The KakaBy Bernard Hickey
    3 days ago
  • Long Tunnel or Long Con?
    Yesterday it was revealed that Transport Minister had asked Waka Kotahi to look at the options for a long tunnel through Wellington. State Highway 1 (SH1) through Wellington City is heavily congested at peak times and while planning continues on the duplicate Mt Victoria Tunnel and Basin Reserve project, the ...
    4 days ago
  • Smoke And Mirrors.
    You're a fraud, and you know itBut it's too good to throw it all awayAnyone would do the sameYou've got 'em goingAnd you're careful not to show itSometimes you even fool yourself a bitIt's like magicBut it's always been a smoke and mirrors gameAnyone would do the sameForty six billion ...
    Nick’s KōreroBy Nick Rockel
    4 days ago
  • What is Mexico doing about climate change?
    This is a re-post from Yale Climate Connections The June general election in Mexico could mark a turning point in ensuring that the country’s climate policies better reflect the desire of its citizens to address the climate crisis, with both leading presidential candidates expressing support for renewable energy. Mexico is the ...
    4 days ago
  • State of humanity, 2024
    2024, it feels, keeps presenting us with ever more challenges, ever more dismay.Do you give up yet? It seems to ask.No? How about this? Or this?How about this?When I say 2024 I really mean the state of humanity in 2024.Saturday night, we watched Civil War because that is one terrifying cliff we've ...
    More Than A FeildingBy David Slack
    4 days ago
  • Govt’s Wellington tunnel vision aims to ease the way to the airport (but zealous promoters of cycl...
    Buzz from the Beehive A pet project and governmental tunnel vision jump out from the latest batch of ministerial announcements. The government is keen to assure us of its concern for the wellbeing of our pets. It will be introducing pet bonds in a change to the Residential Tenancies Act ...
    Point of OrderBy Bob Edlin
    4 days ago
  • The case for cultural connectedness
    A recent report generated from a Growing Up in New Zealand (GUiNZ) survey of 1,224 rangatahi Māori aged 11-12 found: Cultural connectedness was associated with fewer depression symptoms, anxiety symptoms and better quality of life. That sounds cut and dry. But further into the report the following appears: Cultural connectedness is ...
    Point of OrderBy poonzteam5443
    4 days ago
  • Useful context on public sector job cuts
    David Farrar writes –    The Herald reports: From the gory details of job-cuts news, you’d think the public service was being eviscerated.   While the media’s view of the cuts is incomplete, it’s also true that departments have been leaking the particulars faster than a Wellington ...
    Point of OrderBy poonzteam5443
    4 days ago
  • Gordon Campbell On When Racism Comes Disguised As Anti-racism
    Remember the good old days, back when New Zealand had a PM who could think and speak calmly and intelligently in whole sentences without blustering? Even while Iran’s drones and missiles were still being launched, Helen Clark was live on TVNZ expertly summing up the latest crisis in the Middle ...
    4 days ago
  • Govt ignored economic analysis of smokefree reversal
    Costello did not pass on analysis of the benefits of the smokefree reforms to Cabinet, emphasising instead the extra tax revenues of repealing them. Photo: Hagen Hopkins, Getty Images TL;DR: The six news items that stood out to me at 7:26 am today are:The Lead: Casey Costello never passed on ...
    The KakaBy Bernard Hickey
    5 days ago
  • True Blue.
    True loveYou're the one I'm dreaming ofYour heart fits me like a gloveAnd I'm gonna be true blueBaby, I love youI’ve written about the job cuts in our news media last week. The impact on individuals, and the loss to Aotearoa of voices covering our news from different angles.That by ...
    Nick’s KōreroBy Nick Rockel
    5 days ago
  • Who is running New Zealand’s foreign policy?
    While commentators, including former Prime Minister Helen Clark, are noting a subtle shift in New Zealand’s foreign policy, which now places more emphasis on the United States, many have missed a key element of the shift. What National said before the election is not what the government is doing now. ...
    PolitikBy Richard Harman
    5 days ago
  • 2024 SkS Weekly Climate Change & Global Warming News Roundup #15
    A listing of 31 news and opinion articles we found interesting and shared on social media during the past week: Sun, April 7, 2024 thru Sat, April 13, 2024. Story of the week Our story of the week is about adults in the room setting terms and conditions of ...
    5 days ago

  • $41m to support clean energy in South East Asia
    New Zealand is demonstrating its commitment to reducing global greenhouse emissions, and supporting clean energy transition in South East Asia, through a contribution of NZ$41 million (US$25 million) in climate finance to the Asian Development Bank (ADB)-led Energy Transition Mechanism (ETM). Prime Minister Christopher Luxon and Climate Change Minister Simon Watts announced ...
    BeehiveBy beehive.govt.nz
    4 hours ago
  • Minister releases Fast-track stakeholder list
    The Government is today releasing a list of organisations who received letters about the Fast-track applications process, says RMA Reform Minister Chris Bishop. “Recently Ministers and agencies have received a series of OIA requests for a list of organisations to whom I wrote with information on applying to have a ...
    BeehiveBy beehive.govt.nz
    6 hours ago
  • Judicial appointments announced
    Attorney-General Judith Collins today announced the appointment of Wellington Barrister David Jonathan Boldt as a Judge of the High Court, and the Honourable Justice Matthew Palmer as a Judge of the Court of Appeal. Justice Boldt graduated with an LLB from Victoria University of Wellington in 1990, and also holds ...
    BeehiveBy beehive.govt.nz
    7 hours ago
  • Education Minister heads to major teaching summit in Singapore
    Education Minister Erica Stanford will lead the New Zealand delegation at the 2024 International Summit on the Teaching Profession (ISTP) held in Singapore. The delegation includes representatives from the Post Primary Teachers’ Association (PPTA) Te Wehengarua and the New Zealand Educational Institute (NZEI) Te Riu Roa.  The summit is co-hosted ...
    BeehiveBy beehive.govt.nz
    8 hours ago
  • Value of stopbank project proven during cyclone
    A stopbank upgrade project in Tairawhiti partly funded by the Government has increased flood resilience for around 7000ha of residential and horticultural land so far, Regional Development Minister Shane Jones says. Mr Jones today attended a dawn service in Gisborne to mark the end of the first stage of the ...
    BeehiveBy beehive.govt.nz
    8 hours ago
  • Anzac commemorations, Türkiye relationship focus of visit
    Foreign Affairs Minister Winston Peters will represent the Government at Anzac Day commemorations on the Gallipoli Peninsula next week and engage with senior representatives of the Turkish government in Istanbul.    “The Gallipoli campaign is a defining event in our history. It will be a privilege to share the occasion ...
    BeehiveBy beehive.govt.nz
    8 hours ago
  • Minister to Europe for OECD meeting, Anzac Day
    Science, Innovation and Technology and Defence Minister Judith Collins will next week attend the OECD Science and Technology Ministerial conference in Paris and Anzac Day commemorations in Belgium. “Science, innovation and technology have a major role to play in rebuilding our economy and achieving better health, environmental and social outcomes ...
    BeehiveBy beehive.govt.nz
    11 hours ago
  • Comprehensive Partnership the goal for NZ and the Philippines
    Prime Minister Christopher Luxon held a bilateral meeting today with the President of the Philippines, Ferdinand Marcos Jr.  The Prime Minister was accompanied by MP Paulo Garcia, the first Filipino to be elected to a legislature outside the Philippines. During today’s meeting, Prime Minister Luxon and President Marcos Jr discussed opportunities to ...
    BeehiveBy beehive.govt.nz
    22 hours ago
  • Government commits $20m to Westport flood protection
    The Government has announced that $20 million in funding will be made available to Westport to fund much needed flood protection around the town. This measure will significantly improve the resilience of the community, says Local Government Minister Simeon Brown. “The Westport community has already been allocated almost $3 million ...
    BeehiveBy beehive.govt.nz
    1 day ago
  • Taupō takes pole position
    The Government is proud to support the first ever Repco Supercars Championship event in Taupō as up to 70,000 motorsport fans attend the Taupō International Motorsport Park this weekend, says Economic Development Minister Melissa Lee. “Anticipation for the ITM Taupō Super400 is huge, with tickets and accommodation selling out weeks ...
    BeehiveBy beehive.govt.nz
    1 day ago
  • Cost of living support for low-income homeowners
    Local Government Minister Simeon Brown has announced an increase to the Rates Rebate Scheme, putting money back into the pockets of low-income homeowners.  “The coalition Government is committed to bringing down the cost of living for New Zealanders. That includes targeted support for those Kiwis who are doing things tough, such ...
    BeehiveBy beehive.govt.nz
    1 day ago
  • Government backing mussel spat project
    The Coalition Government is investing in a project to boost survival rates of New Zealand mussels and grow the industry, Oceans and Fisheries Minister Shane Jones has announced. “This project seeks to increase the resilience of our mussels and significantly boost the sector’s productivity,” Mr Jones says. “The project - ...
    BeehiveBy beehive.govt.nz
    1 day ago
  • Government focused on getting people into work
    Benefit figures released today underscore the importance of the Government’s plan to rebuild the economy and have 50,000 fewer people on Jobseeker Support, Social Development and Employment Minister Louise Upston says. “Benefit numbers are still significantly higher than when National was last in government, when there was about 70,000 fewer ...
    BeehiveBy beehive.govt.nz
    1 day ago
  • Clean energy key driver to reducing emissions
    The Government’s commitment to doubling New Zealand’s renewable energy capacity is backed by new data showing that clean energy has helped the country reach its lowest annual gross emissions since 1999, Climate Change Minister Simon Watts says. New Zealand’s latest Greenhouse Gas Inventory (1990-2022) published today, shows gross emissions fell ...
    BeehiveBy beehive.govt.nz
    1 day ago
  • Earthquake-prone buildings review brought forward
    The Government is bringing the earthquake-prone building review forward, with work to start immediately, and extending the deadline for remediations by four years, Building and Construction Minister Chris Penk says. “Our Government is focused on rebuilding the economy. A key part of our plan is to cut red tape that ...
    BeehiveBy beehive.govt.nz
    2 days ago
  • Thailand and NZ to agree to Strategic Partnership
    Prime Minister Christopher Luxon and his Thai counterpart, Prime Minister Srettha Thavisin, have today agreed that New Zealand and the Kingdom of Thailand will upgrade the bilateral relationship to a Strategic Partnership by 2026. “New Zealand and Thailand have a lot to offer each other. We have a strong mutual desire to build ...
    BeehiveBy beehive.govt.nz
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  • Government consults on extending coastal permits for ports
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