Me and the MX5: part3
Filed under: Cost of living, General Budgeting, Life in New Zealand
Well, we managed with one car for the first year, sharing it between myself and hubby, mum and dad. The fact that we managed that long without a car each and 3 spares was a minor miracle. Never before has my family coped with so little vehicular choice.
Being countryside dwellers for so long – we are into the habit of having to get around under our own steam. Theres kinda point relying on public transport when theres only one buss a week into town, and the train station is 10 miles away. Its no different here in NZ – public transport doesn’t start till you get to Carterton, and thats 15kms away.
But when mum and dad came back for there second 6 month stay they decided to go buy themselves a car. They went out one day – and came back with an old Jag XJ6 – basically a Tank with bigger comfier seats and a fuel consumption to match. Cheap to buy – small mortgage needed to fill up at the pump.
So we managed for a few years like this, then when they came to stay full time, my brother also bought a car, as he was now going to be living separately from the rest of us, and needed to be able to get about.
It was at this point that I made the comment over of coffee or two that if there were any more cars to be bought by this family – it was damn well going to be mine. Any deviation from this plan would be met with a major Grumpage alert.
At which point the Jag decided to die on us having failed its WoF and being about to cost considerably more to repair than was spent buying it. This was a few weeks ago. So I jumped and suggested that maybe now was the time for me to replace my MX5.
Obviously there are a lot of changes to our lives right now, with Hubby changing jobs and us moving into the city. So I figured that we could use a small car, and mum and dad could keep our big, fast, blacked out car with the big boot. Much more useful for the country life, and lets face it – a small car in the city is much easier to park.
Only problem was – how the hell do we buy a new car when we have little money and a credit card bill we cant pay in full?
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Me and the MX5: Part2
Filed under: Cost of living, Getting to New Zealand, Life in New Zealand
So we arrived in New Zealand, and oddly enough, as these things tend to pan out – I did not end up buying a new car straight away. Mostly this was because we started out living in Wellington City, right in the middle of the CBD and could walk almost everywhere. And as we were fainting with shock over the true cost of living, we decided that being sensible {shudder} we would leave the expense till we needed it.
I even on occasion succumbed to using Public Transport {Shudders}.
We made the most of it, there was a good bus service to Eastbourne and Days bay, or we could take the ferry over and get breakfast at the cafe and bum on the beach. But it was awkward for food shopping, because we weren’t as free to shop around. And lets face it – its a right pain in the patootie when you have to lug carrier bags full of food across town!
But then of course we decided to buy a house in the Wairarapa, and couldn’t put off buying a car any longer. Hubby would need it to get to work, even if he was using the train, and where were buying – will – there wasn’t a Tescos within walking distance. Nope – for country living – a car is a necessity.
So – MX5 it was then.
Ah nope!
Dammit but we needed a “sensible car” {Shudders}.
We ended up buying a “Station Wagon” which just sounds so hideous to me. Estate Car is so much more “English”. There were a number of reasons for this. Its was big, comfy, and very very fast. The fact that it was black, had blacked out windows and black lights glinting blackly on a black background also helped.
It was also only $9000, though we did have to spend another few $$$ on it afterwards. This was also at the time that my family were coming over for their first 6 months trip, and we figured it was big enough to fit all 5 of us plus a lot of luggage, which saved us a considerable amount of hassle and expense on getting them from Auckland to their new home, as we were going to take a few days holiday to do the trip and see some sights as well.
So that was that – still no MX5, all the money for a car spent on a fast, black, but decidedly non-convertible “sensible” car.
That was 5 years ago….
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Me and the MX5: Part1
In a previous life – I went through a divorce. And as many people do, I went out and spoiled myself afterwards with a completely unsensible and frivolous spending spree and bought a convertible. So about 11 years ago I bought my first wonderful British Racing Green MX5 – with pop-up headlights.
I had so much fun.
Then as luck would not have it – a bumble bee spoiled all my fun, by stinging a young lad in the arm while he was hurtling round a corner in the Forest of Dean, and he drove right in to me.
Which hurt. A lot.
So that was a write off, but the insurance paid out, and I went straight back to the dealer I had bought it from, and bought another one. That was my second British Racing Green MX5 – with pop-up headlights.
I had some laughs with that – as it had a disturbing habit of spinning wildly out of control at the most inconvenient moments – like just as I was going round roundabouts, and ending up facing the wrong way. So as this was just as me and new hubby were getting married and buggering off to NZ for 5 weeks on honeymoon, we dropped it back to the specialist dealer, and asked him to try and figure what was wrong.
When we got back – on a stupidly early flight into Heathrow, we detoured to Ilford to pick up the car. Apparently no one could replicate the madcap spinning – but they changed the wheels anyway, twiddled with the suspension, and prayed a bit. Thankfully – that seemed to do the trick, and I didn’t die mangled in a spinning car.
Of course at this point – we decided emigrating to NZ would be laugh.
Well, I wasn’t going to give up my lovely car, so started looking at shipping costs. Most companies were looking at charging about the same, and basically we were looking at hiring a 40ft container instead of a 20ft container, and boxing the car in.
At which point the gits at LTNZ (Land Transport New Zealand) threw a bureaucratic spanner in the wheels: we were not allowed to import the car becuase it didn’t have a Frontal Impact Standard Pass because it was 2 years too old.
But – I thought – the car obviously passed a frontal impact test in as much as a Transit Van driving at speed frontally impacted my last MX5 and I didn’t end up squished on the road. How much more frontal impact can you get than that????
Well – we reckoned this was those economic scams designed to stop scummy migrants from not spending more of their hard earned cash in New Zealand setting up their new lives.
Bah Humbug!
So I had to sell it.
When the guy came to buy it – I couldn’t watch as he drove it away. It was a few weeks before we were leaving – and I was gutted to be saying goodbye to my car. I swore I would buy another one as soon as we got to New Zealand….
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Moving to the city: not as easy as it sounds.
So we are becoming “Trendy City Folk” with an apartment in the big city and a county pile to escape to at the weekend.
I’d be turning in my grave if I had one.
On the plus side – we started with the country pile so we don’t have to work up to it, but still!
Now we actually own an apartment in the City, but that is rented out with really good tenants, and would actually cost us a small fortune to live in. So we are continue to keep that rented, and have rented another apartment ourselves in the same block. As much as I am not a city person – I have to say I do love the apartment itself. The building lets it down, and I am going to have to have words with the body corporate about what is going with the on site Gym and pool – I real selling point for me – as its a disgrace.
But – I’ve slept really well the couple of nights we have stayed there so far, we have a proper kitchen (cooker so clean it definitely wasn’t used by the previous tenant – not unusual), and space for a separate office. And our stonkingly large TV and surround sound system.
It could definitely be worse.
Our biggest issue was actually organizing the removal. We used Crown Relocations, who we recommend for the emigration move – they were brilliant. However shifting from the Wairarapa to Wellington with a fraction of the stuff we hauled half way round the world was much more tricky. It took hubby a lot of sorting out, and I believe at the final count he had to confirm our starting address, final address and access no less than 6 times. They have to paid in advance, but didn’t get the invoice to us till midday the day before. I had tp get the bank manager to set up the payment, and then send a confirmtion email, but the lady at Crown had gone home by then. Thankfully there was an out of office email which gave details of someone else to send the confirmation to, and he then called to confirm we were in fact moving.
All to get to wellington!
So we moved in - Crown arrived with our furniture, and i promptly left to have a coffee with a friend of mine, just round the corner from the apartment. City living has its benefits after all – I may as well make the most of them!
We topped off the evening with a couple of friends round and a bottle of wine.
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Well I never: An interesting Immigration report
Filed under: Getting to New Zealand, Hubby's Views, Life in New Zealand, NZIS & Immigration issues
So fair play, reading through the two reports from Dept. of Labour has actually been interesting. Well written, with conclusions and recommendations, not just dry statistical facts.
Something interesting from INZ/DoL for a change. Whatever next, Winston Peter’s as Immigration Minister? - Well stranger things have happened!
Seriously, the two reports;
International Migration Outlook & Migration Trends & Outlook sound similar – and to be honest there really isnt much difference (but hey – its waste some extra tax money writing 2 reports instead of one.)
Both are well written, and for a change have dozens of citations. So you can actually check where they are getting some of their facts from, and that they aren’t lying through their teeth. I was pleasantly surprised to find most of the cited reports are publicly available too. So you can read & draw your own conclusions.
Anyhow, interesting things/facts/observations from the IMO;
23% of NZ’s resident population as of June 2009 were not born here – and that number has been going up. Here’s a table showing where that 23% came from;
If you look at the ‘working age population’ that 23% turns into 25%.
This means that more migrants are staying in NZ longer, it’s now only 24 leavers for every 100 new migrants during the 2001-2006 period. Which, as we’ve mentioned earlier, is actually showing more loyalty to their new home than the 40%-ish of Kiwi’s who leave.
The employment numbers are a little worrying;
Unemployment rates for immigrants are about 3% above the national average. Perhaps not surprising with plenty of migrants coming in as Skilled Migrants or on Work To Residence without job offers.
New migrants are paid $10k-$15k less than their previously resident Kiwi colleagues.For performing comparable work
And it ‘only’ takes 15 years for that gap to close! 
15 years! OMG, you gotta be kidding? Come to NZ, take a huge pay cut, and if you’re lucky, you’ll earn the same as your colleague in a mere 15 years. humpfhh.
Still this may have something to do with another finding. That there was no evidence from another Dept. of Labour report that migrants were choosing to settle in an area which had higher than national average salaries, or lower than national average unemployment. i.e. new migrants weren’t actually picking the geographical area’s with fewer people having the in demand skills. hmm, perhaps we were just a little strange that way. We came to Wellington because the pay is better and its where the demand is – mostly because its where the government is. Most migrants still gravitate to Auckland, where the wages are lower and house prices are higher. Take note!
Wowing an potential employer at interview is going to do you a lot better than hoping that ‘averages’ will mean you get a better salary. Clearly some of this report points to studies showing that isn’t the case and you’ll get less than the average of your new Kiwi colleagues.
Time to brush up the interview skills.
Of course if you bring kids over with you when you migrate, then they don’t have to work to close that 15 year gap. The study showed that 18 year olds entering the work place faced no discrimination over salary whether they were Kiwi born & bred, or had arrived the day before their 18th birthday. So that’s reassuring.
There is also a (brief) section on the economic impacts of immigration. Only based on one study mind you. Basically, immigrants are good for the economy. In ‘productive’ terms;
- Migrants bring cash which they spend (really?! – you don’t say),
- Pay more in taxes to Govt. than they draw in benefits (shock horror, migrants aren’t here to sponge off the state!)
- Migrants reduce production costs (read as: are forced to accept lower wages)
- Improve the competitiveness of NZ goods & Services, which helps exports. (same as above really)
So I’m not so sure that this study really does justice to the ‘immigrant’ contribution to the NZ economy. I wonder if they actually asked migrants what their ‘contribution’ was?
Adding Insult to Injury.
So, the Immigration advisors licensing act (IALA) is designed to stop people like me “harming migrants” with our advice – because of course our experience is going to be much more harmful that getting screwed out of thousands of pounds by crap agents.
So it was with a mix of incredulity, hilarity and disgust that I received a comment the other day from a different government department asking me to put their link on my blog so that my readers could access their site and gain “information galore” about immigrating to New Zealand.
Apparently – while one government department wants to send me to jail if I give advice because it will “harm migrants”, another government department wants to use my blog as free advertising despite the “harm” I have apparently done by giving said free advice.
At least they are consistent in being bloody hypocrites.
Obviously I refused to allow the comment, but sent a polite email:
Dear Sir,
It is against our policy to allow advertising on our website in the form of comments.
However, should you wish to advertise, please let us know and we can discuss suitable rates.
Please bear in mind that any advertisements need to adhere to the IALA and not in any way be able to be constituted as Immigration Advice.
Thank you very much for your interest in Avalon’s Guide.
I haven’t received a response.
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Immigration reports x2
Filed under: Getting to New Zealand, Hubby's Views, Life in New Zealand, NZIS & Immigration issues
The Dept of Labor have actually come out with two reports on migration, as a contribution to some OECD studies.
It’s possibly sad that I’m working my way through both of them at the moment. At 62 & 125 pages I should at least get some sleep, even if it takes longer to finish reading them.
My first question will be what’s the difference between;
International Migration Outlook
&
Migration Trends & Outlook
‘cos I sure can’t tell the difference first off. Still, why publish one paper using a set of research when you can publish two? It’s at least efficient if the reports have completely different purposes.
So I shall work my way through the reports. There’s some fascinating info buried in the tables and numbers already.
Still, it’s an excuse to swan off to the beach and read the paperwork in some sun 
The UK State Pension – what happens to it when you emigrate.
Filed under: Avalon's Money Thread, Cost of living, Retirement, Pensions and Kiwisaver, The Book and Website
This is something that I’ve actually had a lot of emails about recently, so I thought I would write a little about it and there seems to be some really whopping great misconceptions out there.
The main thing you need to understand is that you cannot double dip on your state pensions. You do not have the right to take a UK state pension and add it to any New Zealand superannuation you may be entitled to.
You just can’t.
If you choose to take the UK pension you are entitled to – it gets taken straight off any Superannuation you would get. There is a chapter in Avalon’s Guide explaining the nuts and bolts – but this is the bit you need to understand.
- If you are currently receiving the UK State Pension, the amount of pension you will get is frozen at the level it is when you become a resident of New Zealand.
- If you emigrate, and then later become eligible for the UK State Pension, the amount is frozen at the level it was when you left the UK.
- Any UK State Pension that you do get will be taken off any New Zealand state Superannuation you may be entitled to.
- This means that you cannot claim the UK state pension and add it to the New Zealand Superannuation.
- You can continue to contribute to the UK State Pension while you are resident in New Zealand if you wish.
- Any contributions that you make will increase your UK State Pension.
- Remember though that any increase you do gain will simply decrease the amount of New Zealand Superannuation you are entitled to.
As far as I’m personally concerned, I have not been expecting a state pension for the UK government since I was about 20 years old. The pensions system in most western countries is bankrupt, and there just isn’t the money to keep paying it.
You should also be aware that the National Insurance you pay in the UK is not being used to fund your retirement. It’s paying for the pensions of the people currently receiving a state pension. Your pension needs to be paid by future taxpayers. Thus the problem – there aren’t anywhere near enough people to pay it. The number of pensioners is growing, and the number of taxpayers isn’t growing anywhere near as fast.
And it’s no better here in New Zealand. As Gareth Morgan (an investment provider and somewhat annoying “guru” and “commentator”) says in his book Pension Panic:
If you think the government is going to keep you in the style to which you have become accustomed once you’ve retired, think again – unless you’re on the breadline now.
I just wanted people to be aware that this information is out there, and while I probably wasn’t able to think of everything that should go in a book about finances and emigrating to New Zealand, I really did think of most things. If you want to be prepared and not face these shocks, then read it. It may not always be fluffy – but it will mean you are prepared.
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How many Migrants leave New Zealand?
Apparently almost 20% of people who got residency in New Zealand between 2002 and 2008 have packed up and gone elsewhere.
Missing Migrants
Long-term absence for migrants approved for residence between 2001 to 2008 (top 10):
1. Taiwan: 2679 / 50 per cent
2. Hong Kong: 1132 / 40 per cent
3. Singapore: 1107 / 37 per cent
4. Indonesia: 1160 / 31 per cent
5. Canada: 1204 / 30 per cent
6. Malaysia: 2593 / 29 per cent
7. United States: 3511 / 29 per cent
8. Pakistan: 527 / 26 per cent
9. China: 14,868 / 25 per cent
10. Somalia: 519 / 25 per cent
21. United Kingdom: 14,650 / 16 per cent
22. South Africa: 6022 / 16 per cent
Total: 83,983 / 19 per cent
So – good news if you are emigrating for the UK or SA – looks like you are more likely to stay. Bad news if you are from Taiwan – you have a 50% chance of going back.
Unfortunately the article does say why people leave – except to speculate that people do their 2 years to get their IRRV and then bugger off to earn some real money so they can then fleece the free education system and wonderful healthcare and retirement system.
Theres no mention of people having to leave due to stupidly low wages and inability therefore for their families to have a decent standard of living.
What makes these figure really interesting – is it actually looks at people who have been granted residence – so actual immigrants – who leave. The more commonly seen figures are the net migration figures – which show how many people enter NZ vs how many leave. But that mixes up migrants and kiwis leaving. These figure show exactly how many immigrants turn round and go back home. It doesn’t however show how long they stayed – or whether they got the IRRV.
Despite not residing in New Zealand, these absent permanent residents – whom migrant advisers say were granted residency mainly through the business stream – will still be eligible for health and education subsidies should they decide to return.
Should they maintain their residency status, their children could also be entitled to New Zealand residency, which will make them also eligible for these subsidies.
Migrant advisers have raised questions whether this allows migrants to use New Zealand as a “second option” for retirement, as a springboard to Australia or use its services without contributing to the economy.
Of course completely ignoring how much money they coughed up to NZ to get here, including getting fleeced by so-called “advisers”.
This is where these articles are going a bit off the rails. Migration is often a give and take scenario – especially here in New Zealand because it actually has tough entry requirements. In order to get that IRRV and get those “subsidies” these people have to bring in a lot of money, and employ New Zealanders. Many Skilled Migrants have to live on subsistance wages to make that 2 years. They actually do contribute a huge amount – and put up with just as much and for migrant “advisers” to be spouting this kind of rhetoric speaks volumes about why they should not be given the veneer of respectability that comes with licensing.
Why the hell shouldn’t migrants come here, get their IRRV’s and then go elsewhere to earn a decent wage and then come back. If New Zealand really wants to change this – then maybe it should stop telling migrants they can’t earn much money here because they are foreigners and aren’t worth that much.
Just a thought.
Sometimes the solution to a problem is very simple. It doesn’t take a huge amount of hand wringing and high-level government law changes. Usually it requires no more than the application of (un)common sense.
Dr Coleman said the OECD has recognised New Zealand did as well as Canada and the US, and better than European countries, at retaining immigrants.
“Research shows that in general, business migrants are focused on establishing successful enterprises in New Zealand, and that they tend to be more profitable than similar-sized New Zealand firms.”
So possibly when you look at the global situation – there isn’t really a problem at all? Fancy that.
But business analyst Keng Lim says the fact a fifth of immigrants chose overseas showed they are not committed to New Zealand, and wanted permanent residency only as a “stand by option” or for “personal gain” – such as sending their children to New Zealand schools as domestic students.
The highest levels of resident absenteeism are from Taiwan (50 per cent), Hong Kong (40 per cent) and Singapore (37 per cent). At the other end of the scale were Tonga and Afghanistan (both 5 per cent).
“It shows that migrants from richer countries want residency so they can send their children here for free education, and hold on to their residency as a retirement option, rather than wanting to actively contribute to the economy,” said Mr Lim.
“With the high taxation here, many know they are better off elsewhere, but being able to get an indefinite residency makes New Zealand more attractive than Australia.”
I do wonder sometimes if these people actually know New Zealand at all. For a start – Taxation in New Zealand is actually not that high. It’s a LOT lower than UK levels for a start. And why do people think that you would want to fleece the system for a “free” education system that many people here are embarrassed by – and isn’t at all free anyway. It’s like saying we would come here for the benefits system – which is pants compared to what you could fleece the UK taxpayers for.
He said some would also use their New Zealand residency as a way to get into Australia.
Yes – and many people get residence in Australia just so they can get into New Zealand. We were advised to do just that seven years ago. By NZIS staff. Says it all really.
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Herald series on Migration Trends
Filed under: Getting to New Zealand, The Family Sponsorship Saga
Lincoln Tan at the NZ Herald is running a three part series on migration trends in New Zealand. His first one interestingly looks at parent sponsorship, and shows some interesting figures.
China has now overtaken the UK as the top source of family sponsorship migration to New Zealand. One of the things that make this possible is that it’s much easier for Chinese migrants to meet the “Centre of Gravity” requirements because of the one child policy. This part of the policy has caused a huge amount of anguish for many people who have stepfamilies. It’s a bit of a blunt tool, and INZ tend to be highly inflexible over its implementation. Mind you – flexibility and INZ just don’t really go hand in hand anyway.
“The growth in Chinese immigrant numbers overall reflects the fact that increasing numbers of Chinese nationals are choosing to study here, gain recognised qualifications and then compete for and obtain skilled employment in New Zealand,” said Immigration Minister Jonathan Coleman. Dr Coleman said New Zealand’s immigration policy was designed “to attract the type of migrants we want”.
(Ah yes – international students – such a lucrative source of money for New Zealand that you don’t have to be licensed to give them advice – because they might stop coming. Protecting migrants isn’t half as important as protecting the money they bring in.)
The article also shows that the UK is still the source of most of skilled migrants – with many of the Chinese migrants being younger – in their twenties, as opposed to the Brits being in their thirties and forties. This is seen as a bad thing as they are thought not to be able to provide for their aging parents. This does however ignore 2 things about the Family Sponsorship program. First you have to have a certain level of income before you can sponsor them. It’s stupidly low in my opinion – but that’s the policy. Secondly – you actually only have to be able to support them for two years – and as soon as your “aged” parents become residents -they have access to public healthcare.
We are going to be looking into the Family Sponsorship statistics ourselves over the next few weeks. I know that makes us sound like we really have no lives – but we want to try and understand just why INZ are holding back applications for 2 years.
In the mean time – I’ll be interested in what else Lincoln shows up.
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