Everything you need to know about elections in Australia
I was browsing through some articles on the Australian election, and found this amusing picture on Sky news website. It’s sunny, it’s a beach, best not let mandatory voting get in the way of enjoying the day.
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Exodus Gym – it’s a bit big.
Filed under: Cost of living, General Budgeting, Life in New Zealand, Things to do
One of the big problems I faced when we first arrived in Wellington as new ex-pats was trying to find a gym I felt comfortable in. We had both been members of a lovely health club at Fownhope in the UK – Wye Leisure, which a great gym, 2 pools, 2 saunas and 2 steam rooms. Just as we were leaving, they were renovating and expanding – and on a trip back to the UK – I was left drooling at the additions of another pool, sauna and steam room. One of the things we really loved about the place, was that you could do your workout and then you could have a nice relaxing swim, soothe your muscles in the sauna, and then collapse on the loungers around the pool and order some coffee. It was a good life.
Ideally, we were looking for something similar, because I really did become something of a gym-rat, but what kept me going was that relaxing bit at the end.
The problem was that in Wellington we couldn’t find the kind of Health Club style gym we wanted. We only found 2 gyms with a pool: Habit on Willis Street (but the pool as bit grotty and you sure as hell ain’t gonna relax next to it), and the Freyberg Pool owned by the council – but really didn’t want a huge families pool.
And the gym situation wasn’t that great for us either – the main ones were a chain called Les Mills – of which there are 2 in wellington and more around the country. They were TOO big and noisy. There was a Women Only Gym – but that doesn’t work as we both work out, and none of the smaller gyms grabbed me. Most of all – I was put off by the cost! We were paying £75 a month for a joint membership at Fownhope – New Zealand gyms were wanting about $35 a week. Each. (£120 using 2.5$:£1). And we weren’t getting as much for our money. I kinda objected to that.
So over the years we have collected some extra gym equipment (I already had some) was tried to work out at home – with very limited success.
Now we are living in the city, and the plan was to work out in the apartment’s onsite gym. But as that’s not being maintained – that didn’t really work out. The equipment is old, broken and filthy, and the pool is out of action.
But just up the road – about 5 mins slow walk – is the Exodus Gym. They were building it when we first moved here, but we were moving out to the country. And besides – still no pool. (They did tell me at the time that the problem they had with this was the council wont give planning consent for gyms to have pools cos they want to force you to use theirs!) But needs must when the pounds just keep clobbering you and you need to either deal with it or buy a whole new set of clothes (having got rid of all the “fat clothes” – I refuse to buy another set!) So off we went for a look round.
Which brings me to the headline – it’s a bit big! To be fair – the Les Mill’s Gym on Taranaki street is bigger, but exodus is not bad in terms of size. Theres 2 floors – the lower one being mainly Cardio equipment with a set of weights machines, and the upper floor being mainly the body building floor with a few Cardio machines.
While they do have a Sauna and steam room, they are in the changing rooms, so again, not somewhere I can relax with hubby after a killer workout (and our workouts are deadly!), but then with no pool anyway, we just go in, do the workout, then go home to shower and have a slap up breakfast.
You are still looking at about $35 a week each – there doesn’t seem to be any such thing here as a Joint Membership, but they do have corporate deals – so you may be able to get a cheaper deal depending on who you work for. Telecom for example!
By the way – if anyone is in Wellington and wants to try it out – I have some One-Day free passes which I’m happy to send you. Email me at avalon@avalonsguide.com with your address and I’ll send you one.
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Should you be forced to save?
Filed under: Banks, Cost of living, Economics, Property & General Investing, Retirement, Pensions and Kiwisaver
Forced savings – in the form of compulsory superannuation (or – shudders – compulsory Kiwisaver) is back on the agenda in new Zealand. Because apparently, not enough of us are doing as we are told and opening up Kiwisaver accounts. So we need to be made to do it.
This comes out of the Tax Working Group, now we have to pay some more academics to sit around and tell us how we need to save for retirement and how we need to do it. I hope they get different people from the ones that just beat the living crap out of any Kiwi that was using Property to try and fund their retirement. Apparently that doesn’t count as retirement planning, cos it’s not shares or managed funds.
So when they talk about “Forced Savings” just be aware that what they really mean is “Forced Stock Market Investments”.
I’m not impressed – if you couldn’t tell. 
I personally believe that forcing people in a low wage economy like this to give up at least 2% of their after tax salary is just not on. The “theory” is that if we all do this – then it will cause investment in businesses (through the sale of shares) to increase, and those businesses will then be able to pay the staff more.
Anyone actually think your wages are gonna go up?
Because heres the thing (speaking as a complete non-economist here of course):
Buying shares on the stock market does not actually put money into the business. It puts money into the pocket of the guy selling those shares. If that just happens to be the company floating shares – then yeah – you just invested money in that company. Otherwise, some guy on the street sold some shares and you bought them.
BTW, we recently found out that if you work for one of the banks, which just happens to be a “Default Provider” of Kiwisaver (where you money sits if you don’t bother to actively choose a fund), they take their “Employer contributions” out of you salary. So basically, they don’t actually contribute to their own staff’s Kiwisaver fund.
Why is this not illegal, and why is it still being allowed? And how the hell does such a company get to run a default fund???
So regretfully – still not a fan of Kiwisaver, and would still like the government to keep its grubby little paws of my money thank you very much!
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Is Income Splitting coming to New Zealand?
Filed under: Cost of living, Economics, Retirement, Pensions and Kiwisaver
It seems that a bill has been selecting for reading in Parliament which would allow single wage families to split that income and therefore pay less tax. Note the word families. Apparently me and hubby do not “count” as a family because we don’t have children. And Peter Dunne – “party leader” of United Future ( party of 1 MP – but hey – he gets a Party Leaders expense allowance and salary!) believes that you are only a family if you have Children.
Git.
I quite liked the sound of Income Splitting, until it was linked to ability to have children. (And is anyone else slightly confused that on the one hand we have Politicians saying you can only have more tax cuts if you have children at the same time we are threatening to throw someone out of the country for being pregnant???)
I personally don’t think this will go anywhere, because it does advantage those on higher incomes, and thats almost always seen as a bad thing for anyone except those on the high incomes. And besides – we have already had a raft of tax cuts, and as far as I’m aware the NZ government is still saying that tax cuts have to be paid for by equal tax increases.
But doesn’t income splitting already exist in New Zealand?
You may hear this from some people – we certainly did. Over and Over again. But it actually doesn’t. In order for one single income to be diverted to more than the person who actually did the work to earn it – you have to jump through a whole load of legal and accounting hoops to keep on the right side of the Tax Man. And you need to be self-employed. And thats always the side of the Tax Man you want to be on.
Theoretically, some of Hubbies contracting income could be diverted to me, and therefore he would earn less and pay less tax. But, its not that simple: because he does the work that brings in the money, he has to earn the bulk of that income in his own name, otherwise we are using tax rules to avoid paying tax, which isn’t legal.
So if I was to take some of that contracting income, as a wage for myself, then the amount I get has to reflect the contribution I make to earning that income. As my contribution is running this blog – which doesn’t make us any money- and doing the paperwork for the business, which doesn’t earn any income but is a necessary job, I can hardly “earn” the same amount as Hubby, and thus split the income down the middle.
So bringing in a bill to allow Income Splitting on the whole sounds like a good plan. I’m all for less taxes and I think its about time that people should be able to access the same tax cutting measures as employees that the self- employed can. I just think its wrong to link tax to ability to have children.
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Since when is being pregnant an illness?
Once again, Immigration New Zealand are making the lives of an immigrant couple a living nightmare becuase the woman has got pregnant.
How dare she!
A Brazilian couple who moved to New Zealand to start afresh have been caught in bureaucratic limbo because of an unplanned pregnancy.Marcio Tulio de Moura, 35, and his wife, Barbara Ohana de Sena Vieira, 26, applied for new temporary work visas this year but their applications were held up when a medical exam showed Barbara was pregnant.
She is five months’ pregnant and Immigration New Zealand says she does not meet the health requirements for a permit.
Mr Moura is eligible to apply for residency as a skilled migrant and can include his partner and their daughter, Ana, 4, but only if new work permits are granted.
It just makes me want to scream with frustration! Why are they still doing this? Why on earth is Pregnancy deemed to be such a danger to New Zealand? We have 2 people, working – one skilled as a stonemason, and becuase one of them is going to have take time off to give birth, they are deemed “unacceptable”?? Does New Zealand really want to be known as a country that behaves like this? Its clear they are not trying to rip the system off – they already been here contributing for 2 years.
Ms Vieira said she briefly considered an abortion – which is illegal in Brazil – but the couple want another child and decided against termination.
Right now, I am ashamed to live in a country that has put any family in that position. 
Immigration NZ manager of operations Simon Smith said a decision on the couple’s applications was pending.
I hope he has a fit of common sense! The information provided by the couple is being “assessed” so lets hope for their sake and their sanity that Immigration get that assessment done really fast, becuase to me – this is unacceptable. These people should be able to enjoy this pregnancy, not look on it with any amount of dread and uncertainty.
Yes, New Zealand needs to ensure that people don’t “rip the country off” and become pregnancy tourists – something that should have been negated anyway by closing access to automatic citizenship for anyone born in New Zealand. But surely this is just going too far.
Pregnancy is not an Appendix 10 Condition, so when applying for a residency permit, it actually doesn’t automatically disqualify you.However, Ms Vieira and Mr Moura are applying for Work Permits, and the rules are different, and as far as Immigration is concerned – you do not have an acceptable standard of health if you are pregnant, Which is quite frankly – nuts! Ok – look closely if this is a first time application – do you investigations – but not when people have given 2 years of their lives to your country already and proved themselves!
I wish them all the luck in the world!
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Grabbed One.
Filed under: Avalon's Money Thread, Cost of living, General Budgeting
Theres a new (ish if you are in Auckland) money saving website thats come to New Zealand, and so far – looks good. Its called Grab One, and I found it via Facebook (fount of all things time wasting) via some friends.
So what’s the deal?
Well, you sign up to Grab One, and then when they have a deal – you can choose to accept the deal if its something you like the look of. Now usually, theres going to be a minimum number of people required to sign up for the deal before it becomes “live”, but if you are one of those first people, you will need to give credit card details, and if the deal goes live, you will have bought the deal. After that, if there are still some places left on the deal, you can buy or not as suits you.
Is it worth it?
Well, today was the first day that Grab One had a deal in Wellington, so its the first time i got to try it out.
As we are intending to go to the cinema at least every other week, and as the Embassy Cinema is 5 minutes (slow) walk away – I though this was well worth a try. I mean $3 for a cinema ticket??? Even on Cheap Tuesdays its $10! The downside is that you can only buy one deal per person, but this did allow me to buy a second ticket as a gift – which I thought I had better send to hubby. So that’s 2 tickets to the Embassy for $6, saving us at least $14.
Now there are some conditions: you can’t use it Friday or Saturday evenings, you cant get Platinum seats at the embassy ( those are the bigger leather couch like seats) and you cant use them for deluxe seats at the Lower Hut Cinema (which have reclining backs). But all those conditions were clearly laid out – in normal sized print, and were really easy to understand – so top marks for not trying to hide anything.
So I guess if you can get money off something you were going to buy anyway – this looks absolutely brilliant. But as with all “money saving deals” it only actually saves you money of you were going to buy it anyway. If you start buying things just because they are on offer – then its actually not saving you money – its making you spend it.
How do you find out about the deals?
There are two ways: sign up for email alerts when there’s a deal in your area, or join the Facebook group and get the alerts as posts on your Facebook newsfeed.
This is currently running in Auckland, Wellington, Christchurch and Waikato Region, and looks like they are expanding across New Zealand.
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Answering some questions from Thomas :)
Cos it’s easier sometimes to write a new post.
This follows on from this post about my complaint to BSC Fireprotection
I for one would like to hear their side to this as there is always two sides to everything.
I would love to share that with you, but unfortunately the company doesn’t feel it needs to speak to me – so I cant tell you what they have said, other than what they did bother to say which was a polite version of “Sod Off”. And legally it turns out – BSC actually don’t have to answer to us, no matter how badly they behaved – and they obviously are fully aware of that.
In the complex in which you reside how many units are there and was there any others that had an issue?
There are about 140 units, and I’m not aware of anyone else having an issue. How many occupants need to have had a problem I wonder? Isn’t one enough? Hopefully I was one of the earlier units looked at, and they learned their lesson pdq. Many of the units are empty, as they are still owned by Century City – the developers- and are being used as extra Hotel Rooms for their Grand Mercure hotel which is at the front of the block.
Do you own or lease?
Both as it happens – which I did mention in the original post, and in a few other blogs. This unit, we are renting direct from Century City. We actually own one of the other units and have tenants in there on a fixed term lease till January. We are renting to “Try it out” and decide whether to move into our own unit next year, or whether we would prefer to sell it. We really need to live in the city now, but at heart are both country people, so it was worth renting to see if we could cope with the life of a city dweller.
Have you read the Body corparate small print?
Yes and no. Oddly, we were not given a copy of the Body Corp Rules when we moved in as tenants, which we should have been, but yes, I happen to have a copy of the Body Corp Rules because I’m a Unit Owner. It actually doesn’t make any difference to my rights, or the obligations of the Landlord or Body Corporate.
The web is a very powerful arena for public comment, but is very open to missinterpretation, as a Blogger you should be aware of this.
Yes I am quite well aware of that thank you. It also means that companies like this can no longer hide their shitty attitudes towards people – which is kinda cool.
If you are as you state a property investor, you should be fully aware of the compliances required on an annual basis and interuptions are the joys of living in a complying complex.
If? 
Yes I am thank you. I am also aware of the rights of my own tenants, and thus my own rights as a tenant. I’m also fully aware of what is right and what is wrong, and that if you treat someone the way I was treated – you should apologise at the very very least, and work your butt off to make up for it. What you do not do is ignore the issue, and make damn sure the people complaining then go lawyer up. Which is what we have done. Thats just bad manners, bad business and quite frankly – Stupid.
Our Lawyers inform us that in fact, we now have to make our complaint to the Landlord, and the Body Corporate, as it is their failure to communicate properly with us that lead to this issue. They are the ones that then have the ability to hold BSC to account for failing to behave in a proper or professional manner. So what should have been handled as a simple complaint, is now going to get complicated and cause agro for a lot more people than it actually involved.
We DO have the right to refuse entry unless it is for an emergency, and we have the right to insist that we are given proper notice. As the Body Corp and the Landlords have several methods of contact for us, the fact that they relied on a “Note through the door” (which we didn’t get) really isn’t up to scratch. Interestingly, the Body Corp failed to inform us as Owners of a unit, or the Property Managers that run it for us, so we would have failed in our obligations to inform our own tenants and make sure they were happy with this happening. This is not acceptable. I take my obligations as a landlord very seriously, and I feel awful that our own tenants could be left feeling that we let them down.
All in all – I think this constitutes “a right cock-up”, but its the refusal of BSC to apologise that is resulting in it becoming a legal complaint for everyone.
Century City have been quite lovely and understanding over this as it happens, and will be giving me the extra security in the apartment that we have asked for. I really have no complaint with them over the way they have handled the complaint – and it annoys me that we have to send them a legal letter.
Look forward to seeing your comments as you will post, you can’t resist.
I’m glad to oblige, though I hope you had more in mind when commenting than trying to wind me up – cos that would be just a tad sad. Whether or not I could “resist” is not the issue – you have asked some questions, and it would actually be rude of me to ignore them. I hope I have managed to clear that up for you.
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When is your New Life no longer your “New” life?
I was browsing through some my Blogroll yesterday, and left a comment on the Domestic Executive Blog:
One of the best things about my new life here (which really after 5 and a half years I ought to stop calling my “new” life) is that I am NOT busy all the time. I can say to people – I’m flexible – when’s good for you – when we need to meet up. But I’ve also had to learn to say No when people ask me for favours. Because I found I was spending a lot of time “working” for people for free, and then not having the time to enjoy not working.
As you can see – while I was writing it – I suddenly wondered if I could any longer claim that this was my “New Life”.
At what point are you really no longer a Migrant or an Ex-pat, but someone who lives in New Zealand?
I reckon it might be when you stop complaining about the things that are different here, and start complaining about the things that other Kiwi’s complain about. Which are often the same things as it happens.
Maybe it’s when the novelty wears off. Which in my case it mostly has – but not entirely. I think there will always be moments when I think “Wow! I get to live here??? Really???”.
Either way – it’s not really my own personal “New Life” anymore – it’s just a better version of my old life.
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Why can’t Kiwi companies ever say “Sorry”?
Following the rather traumatic barging-in of 2 men into my home the other day – I wrote a rather impressively stinky email of a complaint to the company behind it:
BSC Fireprotection Ltd
PO Box 40-138,
Upper Hutt
I was not polite – because let’s face it – it’s hard to be anything like polite in circumstances like this. But look at the response I got from BSC FireProtection Ltd:
Thank you for your e-mail, as Century City Body Corporate arranged for this inspection I have passed your e-mail to them.
Regards,
What on EARTH can you say to such a pathetic cop out? Why is it that so often complaints here just utterly ignored? Its like talking to the Immigration Department all over again. A complete and utter refusal to even acknowledge that something has gone badly wrong somewhere, and a mindbogglingly arrogant refusal to apologise.
So, as this is very serious – its not like they got my order for some flowers wrong or something – this is what I have responded with:
The body corporate and Century City have already been informed.
However if that is the total sum of your personal concern and attitude to what you staff did to me – its hardly any surprise that they felt they could storm into someones home.
You should be ashamed of yourself for such a cop-out. Thats truly the most pathetic response to a complaint I have EVER seen. The Body Corporate did not barge into my home while I was in Bed. The body corporate did not laugh at me when I was clearly shocked and angry at being subjected to this. YOUR company did.
I expect a proper response – by the end of the day -or I will be taking this matter a whole lot further than the Body Corporate I can assure you.
I was subjected to a Home Invasion by your staff. Do something about it.
I think a letter from my Lawyers may suffice to persuade BSC FireProtection that they perhaps need to take this a bit more seriously. In the meantime, the Apartment owners have been told that I want a chain on my door, so that never again will anyone be able to just barge in when they feel like it and amuse themselves at my expense.
I’ve already let the Body Corp know, because not only are we tenants in this building, but we own one of the apartments here. So my Body Corp fees are actually going toward paying these idiots wages. If we lived in our own apartment, we would have no issues changing the locks and beefing up the security, but as we live in a rental we don’t have as many options. But I sure as hell am not putting up with that lamentable response!
What the hell is wrong with these people???
And theres me thinking I would be able to sit back and relax for a while !
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How Evony isn’t “free forever” – not by a long shot.
You have probably seen the adverts all over the Internet. The “Free” bit caught my budgeting eye when i needed a new game to play. Ive always played computer games – ever since we have had computers. Which in our house means basically as long as computers have been around. My first experience of a computer game was Colossal Caves – the first Adventure Game.
YOU ARE STANDING AT THE END OF A ROAD BEFORE A SMALL BRICK BUILDING.
AROUND YOU IS A FOREST. A SMALL STREAM FLOWS OUT OF THE BUILDING AND
DOWN A GULLY.
I was about 6.
Then about 19 months ago – when I had those sleepless nights dealing with stupid Immigration idiots in London, I started playing Mafia Wars on Facebook. It was quite stress relieving to take out “hits” on rival mafia, rip off the system, and generally have a blast killing things. It would only have been better if one of the jobs was “Take out the entire New Zealand Immigration Department”. But ho hum. I stopped playing that eventually, because all the “upgrades” made it unplayable. But it was free, it was entertaining and it helped.
I then moved on to Farmville. I didn’t last long on that to be honest. Sowing crops really isn’t what you need when you are dealing with Bureaucrats and blithering idiots. You need something a bit more “bloody” i think. I tried Treasure Mania, which again was free, but in the end i just got bored of it. And that was when I decided to give Evony a go.
It’s not exactly Farmville. For a start, while on FB games you do have “Allies”, in Evony you actually play the game in real time with other people. You talk to each other, you join alliances, you fight together against other alliances, and generally have a blast. And spend most of your life doing that as the addictiveness of the game kicks in.
And thats where the whole “free forever” falls down. Like all FB games you can play for free, but clearly you will get further faster if you spend money to buy “In Game Coins” to spend on items which make you stronger, help you build faster, or help you fight. Where it becomes more important in Evony is that you can basically be beaten to a pulp by other players if they are stronger than you. If you want to be one of the strongest players – you need to play a LOT in order to be able to build up without spending money.
So how do they suck you in?
Impressively I have to say. Heres me: always price checking, looking for a bargain, won’t pay more for something than I think it’s worth – and I’m whipping out the credit card – even when its close to its limit. Give Evony credit – they know how to make you spend! It starts off with a good catch – the 250 cents for $5 offer, which even gets you a Quest and Prestige points for buying it. Spend $5 (US$ so be aware – thats about $7.50 NZD) and you get 50 game coins, plus a bonus pack of items for the game worth 200 game coins. Fiendishly simple. So we did that, and then you get a buzz from being able to actually get more items to play with.
Then you get into a huge war with someone and need to move your cities – but don’t have the items to do that with – Give up and be slaughtered, or buy some coins???? Or you run out of Speed-ups to build your cities faster and just cant bear to wait 96 hours to build your Town Hall up to level 10. So you decide to buy some coins. You can’t use the pack – you need 90 coins to get an Advanced Teleport, and besides, you can only buy the special offer once. So now you have to spend $30 UD$ which is the lowest multiple you can spend. Thats about $45 NZD. And when you do that – you also send all your allies a “Free Evony Chest” which they can open with a key. How do they get the key? They have to spend $30 to get it in the “bonus pack” that comes with the 300 game coins.
You’re a gonna at this point.
How much exactly did this cost us?
Can I get the “in our defense” bit in first? We started playing just after this last Christmas, and came off the game yesterday, so this is about 7 months of gaming. And for just over the last 4 months, I was Vice Host of the ANZACS alliance on one of the servers. (Every server seems to have an ANZACS alliance fighting for Kiwi and Aussie Pride – and we really don’t give up!) Some days it was like having a full time job, and I felt an enormous responsibility towards the other guys in the alliance. Hubby also played, and we both spent a lot of our “free time” on running the game, and didn’t get as much chance to run our own cities – so game coins helped.
In total we spent $881 NZD.
That’s a helluva lot for a game that was supposed to be free.
Was it worth it?
Mostly yes. Oddly enough – it’s not the monetary cost of the game that made me give it up – it was the cost to my health and sanity having to deal with the odd exceptionally unpleasant player in the game. While $881 sounds a lot of money, that works out at about half our Sanity Allowance that was available over that time. That’s where the Budget comes from for games and entertainment. I imagine if I was brave enough to work out an hourly rate, given the late nights and early mornings I was on there, particularly in the last 2 weeks, it would be a scarily small amount per hour of gameplay.
I started playing to help deal with stress. When the game became the stress, and there was no way of stopping people being morons and crapping all over me – it was time to leave. I don’t begrudge the money – it was fun while it lasted, but when there are arseholes who prevent the game being fun, then I’m not going to waste my money on it anymore.
Do I recommend the game.
Yes and no. As long as you know what your are getting into, and can afford it – no problems. But please don’t play expecting not to spend any money. I did know people who haven’t spent money on the game, but it’s rare. By the time I left, I had over 250 “Evony Chests” waiting to be opened. Which means, above the ones I’d already opened with a key I bought, my alliance had spent $7500 USD on the game. And while we made it nearly to the top of the Alliances, before the constant wingeing of a few players started to break us apart, I’m imagining some alliances spent more than that.
It’s a great game. This is a new version of the game, and relies a lot more on being smart and intelligent rather than brute force and ignorance- something a lot of players just haven’t grasped. So if you are more than a “brute force and ignorance” kind of wargamer – it’s worth a look.
I just wish I had managed to get my prestige to 3,000,000. I was 7000 off that, but in the end the abuse from the few people who have no concept of decent behavior was intolerable. It’s a shame, they are ruining a magnificent Alliance, and a magnificent game. Tossers.
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