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Karl Budge Appointed Blues CEO
Karl Budge Appointed Blues CEO

16 October 2025, 10:49 PM

The Blues Board has confirmed Karl Budge as the club’s new Chief Executive Officer, bringing over 20 years of international sports leadership experience to the Auckland-based Super Rugby franchise.Budge is best known for his transformative tenure as CEO of the ASB Classic, where he repositioned the event as New Zealand’s premier summer tournament.More recently, through his company Octosport Partners, he helped drive commercial growth and fan engagement for the New Zealand Olympic Committee and SailGP across the Asia-Pacific region.His background spans both domestic and global sporting codes, with a track record of sustainable growth and commercial innovation.He has also contributed to the wider rugby landscape as a commercial sub-committee board member and secondee to the New Zealand Rugby Board.Budge says leading the Blues is a privilege and an opportunity to build on a proud legacy.“This club is built on a rich history and has a deep connection to its community across Auckland, North Harbour, and Northland,” he said.“My focus will be on ensuring we continue to grow and support a world-class high performance environment, connecting deeply with our fans, and ultimately delivering the success they deserve.”Blues Chair Don Mackinnon said Budge’s mix of commercial acumen and leadership credibility made him the right fit for the next phase.“Karl brings a proven track record of driving significant, sustainable commercial growth in competitive global environments,” Mackinnon said.Budge will start in the New Year, with director Andy Roberts continuing as interim CEO.For rugby fans on the Hibiscus Coast, his appointment signals fresh energy and a renewed focus on connecting the Blues’ regional heartlands.Seen something local we should cover?Let us know at [email protected]

Consider tax breaks for KiwiSaver
Consider tax breaks for KiwiSaver

15 October 2025, 10:17 PM

New Zealand's pension system has been ranked 17th out of 52 in a new global comparison, with a warning that although the country faces questions about covering the cost, it is not the only one.The Mercer Global Pension Index ranked New Zealand's superannuation and KiwiSaver combined a B for adequacy - which reflects how much income people receive in retirement; a B for sustainability - which covers how affordable the scheme is; and an A for integrity - how much the scheme can be trusted.It said the country could lift the score by increasing the level, coverage and tax efficiency of KiwiSaver contributions, as well as raising the age of NZ Super, increasing New Zealand households' savings and introducing a credit or contribution for people who are off work caring for young children."New Zealand is one of the few countries that does not give tax concessions for preparing for retirement," report author and Mercer partner Tim Jenkins said.It said New Zealand should also focus on retirement income as the primary purpose of KiwiSaver and improve the decumulation options available to draw down the money when people retire.The countries with the top-rated systems were the Netherlands, Iceland, Denmark, Singapore and Israel.While there have been questions about whether NZ Super was sustainable, Jenkins said it was not alone in that. Other countries had even more urgent problems to fix.Austria, Brazil and Italy all scored an E for sustainability for their schemes. France and Germany had an A for adequacy but a D for sustainability.Jenkins said New Zealand had improved on every measure in the latest index update, but other countries had increased more quickly.Sustainability had improved on the basis of economic data published by the IMF that no longer included some of the Covid years.He said New Zealand was in the top third of the countries surveyed - "just" - with a relatively low score for income adequacy.The report looks at how much the average wage earner receives as retirement income. It seeks a benchmark of 70 percent of pre-retirement income."NZ Super is okay," he said. "But KiwiSaver is below average adequacy. It's voluntary with relatively low contribution rates."He said people who were in roles where they were offered a total salary package had less incentive to contribute because they were paying for their employer's contributions, too.Lower-income people and those not in work were also being left behind.Jenkins said thought could be given to decoupling employer and employee contributions to an extent, and introducing a minimum contribution for low-income people."To help them accumulate private savings on top of NZ Super… for people who can't afford to contribute 3.5 percent or 4 percent, they don't get the extra 3.5 percent or 4 percent."He said as people lived longer, thought also needed to be given to how retirement settings responded."If you're retired for 20 years from 65 that's very different from 10 years. Countries around the world are starting the debate about whether state pension ages should increase."He said adequacy and sustainability could be addressed together by looking at KiwiSaver and NZ Super as a package.In Australia it is possible to access super savings before the pension age, which allows people to retire earlier if they need to - such as when they work a manual job."There is mood for change, and the time is right," Jenkins said. "KiwiSaver is 18 years old - when there's a birthday like that it's time to step back and consider what we could do. The world on Tuesday is different to 20 years ago."

Council Clinic Lifts Dog Desexing Numbers
Council Clinic Lifts Dog Desexing Numbers

15 October 2025, 6:40 PM

Auckland Council’s first in-house dog desexing clinic is making a real dent in the city’s dog overpopulation problem, completing 475 procedures in under five months.Led by veterinarian Dr Roz Holland, the clinic has desexed 229 male and 246 female dogs free of charge, with another 140 waiting to be seen. Funded through infringement fees from unregistered dog owners, the programme ensures responsible owners aren’t footing the bill.“Everyone involved in dog control and welfare knows the key issue is overpopulation,” Dr Holland says.“Desexing is vital, but cost and transport are barriers for many people. This role appealed to me because it removes those barriers and delivers real impact.”Dr Holland brings international experience from Peru, India, the South Pacific, the US and New Zealand. She says the early results show momentum building. “This programme is targeted, well-planned, and focused on the communities where it’s needed most.”The need is urgent. Auckland Council receives more than 15,000 reports of roaming dogs each year, up 50 percent since 2020, and records over 1,300 dog attacks on people annually.Animal Management Manager Elly Waitoa says the clinic is helping turn the tide. “Roaming dogs and overpopulation have become overwhelming for communities across Auckland. Bringing Roz and the team onboard has given us new tools to respond.”The clinic is part of a wider council strategy that includes:Targeted desexing in high-risk areasTougher action on irresponsible ownersDog registration drivesAwareness campaigns like “For you, your dog and your neighbours.”For families on the Hibiscus Coast, the approach could help reduce roaming dog issues locally while supporting safer, more responsible pet ownership citywide.Know something local worth sharing?Send it to [email protected] — we’ll help spread the word.

Four Charged After Meth and Firearms Raids
Four Charged After Meth and Firearms Raids

15 October 2025, 2:34 AM

Four people face serious drug and firearm charges after police found methamphetamine ingredients, clan lab equipment, and loaded guns in coordinated raids across Mangawhai Heads, Massey, and Kumeu.Waitematā Police, including the Armed Offenders Squad, carried out the simultaneous searches early Tuesday, 14 October, uncovering a large-scale meth operation.At Mangawhai Heads, officers seized two kilograms of ephedrine along with materials and tools used to manufacture meth.Two people were arrested on site.Information from that scene led detectives to Massey and then to a third location in Kumeu, where they discovered clan lab equipment, a loaded double-barrel shotgun, a loaded Glock, and an unloaded rifle.Several people were detained nearby, with two later charged.Detective Sergeant Ray Fa’aofo said the coordinated effort paid off.“The planning, preparation, and quick actions of staff ensured the success of these warrants. I’m very pleased we intercepted some of the production and supply of illicit drugs entering our community and took firearms off the streets,” he said.Those charged include:• A 41-year-old man (Auckland District Court, 12 December) facing multiple firearms and drug equipment offences.• A 46-year-old man (North Shore District Court, 15 October) charged with manufacturing methamphetamine and related offences.• A 32-year-old man (Waitakere District Court, 15 October) charged with possession of meth for supply.• A 45-year-old woman (North Shore District Court, 15 October) charged with manufacturing methamphetamine.Police urge anyone with information on drug activity to call 111 if urgent, 105 after the fact, or Crime Stoppers anonymously on 0800 555 111.Seen something local we should cover?Let us know at [email protected]

Measles Cases Rise as Risk Grows
Measles Cases Rise as Risk Grows

14 October 2025, 9:43 PM

Health authorities are warning that measles cases are spreading again in New Zealand, with two new infections confirmed in Northland this week, bringing the regional total to 12. Experts say the risk of further outbreaks remains high, as overseas travellers continue to bring the virus home.Around 80 percent of New Zealanders are immune, well short of the 95 percent coverage needed to stop the disease from spreading. Measles is among the most contagious viruses in the world, spreading through the air or by touching contaminated surfaces.Across the globe, cases are rising sharply in Australia, South-east Asia, the US, Canada and the UK. Almost all of our previous outbreaks started with unvaccinated travellers returning from overseas, health officials say.Measles can cause serious complications, such as pneumonia, diarrhoea, and brain swelling. One in three people infected will need hospital care, and young children, pregnant people, and those with weakened immune systems are most at risk.Coasties are urged to check their immunisation records to ensure children have received both doses of the MMR vaccine. Anyone travelling overseas should also make sure they’re fully protected before they go.If you suspect measles symptoms, including fever, runny nose, cough, sore eyes, or rash — call your GP, Healthline (0800 611 116), or 111 in an emergency. Early advice helps protect family, friends, and the wider community.Know something local worth sharing?Send it to [email protected] — we’ll help spread the word.

SH1 Brynderwyn Hills Closes for Major Upgrade
SH1 Brynderwyn Hills Closes for Major Upgrade

14 October 2025, 8:14 PM

State Highway 1 over the Brynderwyn Hills will fully close for two four-day “super weekends” next month as crews complete the final stage of the recovery project ahead of the busy summer season.The closures, from 13–16 November and again from 20–23 November, will allow contractors to lay a full-width asphalt surface, reinstate lane markings and passing lanes, and restore the 80km/h speed limit. The road will reopen between the two weekends from 17–19 November.NZ Transport Agency Waka Kotahi’s Northland System Manager, Steve Matene, says the approach was chosen to finish the job quickly while keeping disruption short. “If we’d used stop/go traffic management, the works would’ve taken up to 14 weeks. With full closures, we can finish in 6–8 days,” he says. Crews will work around the clock, with 75% of the Auckland and Northland paving teams on site.The upgrade marks the final step in restoring the region’s key connection after months of repair. For Hibiscus Coast travellers heading north, it means a smoother, safer route once the works are complete.Northland Inc’s Paul Linton says the improvements will pay off for the whole region. “Strong, reliable roading links with Auckland and the rest of the country are essential for growth. Every visitor, every truck, and every trip contributes to Northland’s economic pulse.”During both closures, three detours will keep Northland open: Cove Road for light vehicles, Paparoa Oakleigh Road for trucks up to 50MAX, and SH12/SH14 for larger freight.Night works on 5–6 November will prepare the surface, with minimal delays expected.Seen something local we should cover?Let us know at [email protected]

Auckland Housing Values Drop Sharply
Auckland Housing Values Drop Sharply

14 October 2025, 1:52 AM

Auckland’s housing market has led a nationwide slide, with average home values falling 2.5% in the September quarter to $1.19 million, according to the latest QV House Price Index.Nationally, values dropped 1.1% to an average of $900,521, marking a 14% decline from the 2022 peak. Auckland and Wellington have seen the largest corrections, with values now more than 20% below their highs.QV spokesperson Andrea Rush said the market correction from the post-Covid boom is continuing, though recent cuts to the Official Cash Rate may provide some spring relief. “Decreasing home values and lower mortgage rates continue to improve affordability in many areas,” she said.QV valuer Hugh Robson added that buyer interest has lifted slightly across the city. “Whether this translates into a genuine spring uplift in values remains to be seen,” he said. “Overall, conditions continue to favour buyers, with plenty of choice available.”For the Hibiscus Coast, where households are sensitive to mortgage rates and shifting property values, the downward trend is already shaping local buyer behaviour. More Coasties are holding off on upgrades, while investors are returning cautiously as lower mortgage rates improve serviceability.Despite the slide, demand remains strongest for modern, well-maintained homes ready to move into. Multi-unit townhouses continue to dominate new listings, but developments lacking storage, parking or good indoor–outdoor flow are seeing prices trimmed to meet the market.Know something local worth sharing?Send it to [email protected] — we’ll help spread the word.

Accounting: Turning Bad Debt into Good Debt (sponsored)
Accounting: Turning Bad Debt into Good Debt (sponsored)

13 October 2025, 10:01 PM

Big idea: Inland Revenue allows an interest deduction when borrowed money is used to earn taxable income.If your loans have funded private spending (owner drawings, overdrawn shareholder current accounts), that portion of interest isn’t deductible.The good news: you can often restructure now so future interest becomes deductible.WarningAlways seek professional advice from a Chartered Accountant as there are traps.Step 1: Diagnose the problemList every loan and overdraft and ask: What did these dollars actually pay for?Tag each portion business (stock, wages, equipment, fit-out, premises) or private (drawings, personal bills, historic tidy-ups).Blended facilities are common—split them on paper first.Step 2: Clean up shareholder current accountsAn overdrawn shareholder current account (the shareholder owes the company) screams “private use”.If bank debt is effectively covering that overdraft, interest on that slice is non-deductible. Two fixes:1) Dividend set-offDeclare a fully imputed dividend and apply it to clear the overdrawn balance (legal set-off).From that date, ensure all borrowing funds business purposes only.Example: The company has a $60k overdrawn current account and a $180k term loan.You declare a $60k fully imputed dividend and set it off, eliminating the private receivable.You then split the facility into two sub-accounts: $120k business working capital and $60k capex.Going forward, interest on both is deductible because the funds are clearly tied to income-earning use.2) Shareholder cash injectionThe shareholder repays the debit current account in cash.From then on, bank debt finances only business activity.Again, interest becomes deductible going forward.Guardrails: Pass the Companies Act solvency test, check imputation credits, and brief shareholders on the personal tax impact of dividends.Step 3: Refinance for clear tracingWhere possible, ask the bank for separate sub-accounts: one for working capital, one for each asset purchase.If you refinance an existing business loan at a better rate, interest remains deductible because the underlying use hasn’t changed.Example: Last year you advanced $80k personally to cover payroll and stock (the company owes you—current account in credit).Draw an $80k business term loan and repay the shareholder.This is a refinance of business funding, so interest is deductible.Step 4: On-lend when the bank prefers the individualIf the bank will only lend to you personally, use an on-lend: you borrow, then on-lend to the company at a commercial rate under a simple loan agreement.The company uses the funds for business; its interest is deductible.You return interest income; your personal interest cost broadly offsets it.Example: You borrow $120k at 8.2% and on-lend at 8.5%.The company buys equipment and deducts the 8.5% interest.You return 8.5% interest income and pay 8.2% interest expense—small spread, clean tracing.Records that make IR happy• Board minutes: purpose of each facility and, if relevant, that it replaces prior business funding.• Dividend resolution (for set-off) with solvency statement and imputation disclosure.• On-loan agreement with commercial terms; withhold RWT as required.• Drawdown/repayment log tying dollars to invoices and uses.• Vehicle logbooks or business-use % where relevant.Bottom lineYou can’t re-characterise yesterday’s spend, but with clean splits, proper resolutions and crisp tracing, you can ensure tomorrow’s interest is deductible.At David Hooper Chartered Accountants, we help small businesses restructure debt and maximise tax deductibility. Contact us at [email protected] or call 09 421 1635.

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