Each week, I oversee the steady production of content that keeps our digital platform fresh and engaging.Over the course of a month, that adds up to well over 100 unique pieces—delivered consistently, day in and day out.Most are local news stories between 350 to 500 words.But we also craft customer emails, write compelling ad copy, highlight customer success stories, post to social channels, and send push notifications designed to drive action and clicks.Am I a natural wordsmith?Not at all.If anything, I suspect I might have a touch of dyslexia—though I’ve never been formally diagnosed.But here’s what I do know: consistency wins every time.That belief comes from years of experience in content and media across different cities around the world.To manage this volume, we’ve built tools and systems that streamline planning, writing, editing, and publishing.That structure gives us the freedom to stay focused on what matters most: delivering relevant, high-quality content every single day.Success in content isn’t about being the most eloquent writer in the room.It’s about knowing your audience.Understanding what they care about—and what they’ll scroll past.Then showing up with that content, day in and day out.No fluff. No guesswork.Just sharp focus and relentless delivery.At the Hibiscus Coast App, that’s how we’ve built trust and traction—by showing up every day with stories locals actually care about.Are we perfect?Heck no.But we are organically getting better every day.Want to build momentum with your own content?Start with this: consistency over perfection.Nail that, and you won’t lose.

The Government has introduced the Investment Boost initiative as part of Budget 2025.This new policy allows businesses to claim an immediate 20% tax deduction on the cost of eligible new assets.To qualify, assets must be new to New Zealand—either brand new or previously unused within the country.Eligible assets include assets such as commercial and industrial buildings, plant and machinery, equipment, and work vehicles.This does not apply to residential buildings and fixed-life intangible property (e.g. copyrights, trademarks, or land-use rights).This incentive applies to qualifying assets purchased on or after 22 May 2025, with deductions claimable in your income tax return for that income year.E.g. Buy a $80,000 vehicle on 31 March and claim an expense of $16,000 in that year plus normal depreciation.You may want to plan ahead as I expect a lot of purchases timed for March 2026 which could lead to stock shortages.The deduction reduces the cost price for calculating depreciation.For example:If your business acquires a qualifying asset for $100,000:You may immediately deduct $20,000 under the Investment Boost.The remaining $80,000 is added to your depreciation schedule and depreciated as normal.This results in a front-loaded tax benefit, reducing taxable income earlier and improving after-tax cash flow.KiwiSaver Changes – Contribution Rates and Eligibility UpdatesSeveral key changes to KiwiSaver will affect both employers and employees:Contribution Rates Increasing:From 1 April 2026, the default employer and employee contribution rates will increase from 3% to 3.5%.From 1 April 2028, they will rise again to 4%.Employees may opt to remain at the 3% rate temporarily from 1 April 2026, with applications open from 1 February 2026.Expanded Eligibility:From 1 July 2025, 16- and 17-year-olds will be eligible for government KiwiSaver contributions.From 1 April 2026, employers will be required to contribute for enrolled employees aged 16 or 17.Full Budget 2025 details are available at: budget.govt.nzGovernment Contributions Adjusted:From 1 July 2025, the government contribution will reduce from 50 cents to 25 cents per dollar contributed, up to a maximum of $260.72 per year.Individuals earning over $180,000 per year will no longer qualify for the government KiwiSaver contribution.At David Hooper Chartered Accountants, we help local businesses make smart financial decisions—from asset planning to managing KiwiSaver obligations.Get in touch today at [email protected] or call 09 421 1635.

A solid marketing strategy is crucial for small businesses seeking growth.While building brand recognition is important, the primary focus should be on acquiring new customers and retaining existing ones.These elements lay the foundation for expanding your customer base, increasing sales, and ensuring long-term success.Effective Marketing Components for GrowthAn impactful marketing plan should incorporate key components that collectively drive business growth:1. Customer Engagement and LoyaltyBuilding lasting relationships with your customers is fundamental. Encourage repeat business and foster loyalty by engaging with your audience and making them feel valued. A loyal customer base doesn’t just return; they become advocates, helping attract new prospects through referrals.2. Lead GenerationCapturing potential customers' interest is the first step toward growth. Use targeted content to draw attention, gather valuable information, and guide leads through the sales process. Offering incentives like free resources or discounts can help convert interest into action.3. Market DifferentiationTo stand out, define what makes your business unique. Whether it’s exceptional customer service, innovative products, or community involvement, highlighting your unique value proposition is key to attracting your ideal customers.4. Compelling Content and CopywritingQuality content is vital in converting readers into customers. Whether it’s a blog post, email, or social media ad, your copy should grab attention, create interest, and encourage action. Craft messages that resonate with your audience’s needs and emotions, providing a clear next step for them to take.The Power of Digital MarketingDigital marketing offers small businesses powerful tools to target specific audiences and measure performance in real-time. Unlike traditional methods, digital platforms provide the flexibility to quickly adjust campaigns, ensuring better outcomes and more efficient resource use.Managing ExpectationsMarketing results take time, especially when it comes to building brand awareness or customer engagement. Set realistic goals and understand that consistent, ongoing effort leads to meaningful growth over time.Tracking Success with KPIs and the SMART FrameworkMeasuring success is essential to ensure your marketing strategy works. Key Performance Indicators (KPIs) such as website traffic, email open rates, number of views, clicks, and conversion rates provide valuable insights. The SMART framework offers a clear structure for goal-setting:Specific – Clearly define your goal.Measurable – Track your progress.Achievable – Ensure the goal is realistic.Relevant – Align it with your overall business objectives.Time-bound – Set deadlines for results.How Business Owners Can Implement This AdviceStart Small: Focus on one or two strategies at a time—like building a customer loyalty program or refining your website’s content with strong Call-to-Action (CTAs). Don’t try to overhaul everything at once.Use Affordable Tools: Take advantage of low-cost tools such as Mailchimp for email marketing, Canva for content creation, and Google Analytics for tracking website performance.Be Consistent: Marketing success requires regular effort. Set aside time weekly or monthly to review your strategy, track progress, and make adjustments.Measure Progress: Use the SMART framework to set clear, achievable goals for each marketing activity. Track performance and adjust based on what works best.For small businesses on the Hibiscus Coast, leveraging local platforms—like the hyper-local Hibiscus Coast App—can enhance visibility and connect with a highly engaged audience.A comprehensive marketing strategy blending branding, customer engagement, lead generation, and compelling content is essential for small business growth. Digital marketing provides the tools to measure and refine efforts for ongoing improvement. By setting clear, achievable goals and staying consistent, small businesses can achieve sustainable success.Remember, as the saying goes, "You can't manage what you can't measure." Ensuring every dollar spent on advertising and marketing is trackable allows you to assess its return on investment (ROI) effectively. This approach not only validates your marketing decisions but also empowers you to optimise your strategies for better outcomes.If you're navigating the challenges of local marketing or seeking fresh ideas, feel free to reach out. Townsquare Media is always open to a conversation and happy to offer guidance where we can.

We’ve all heard of the “elevator pitch” – a brief, persuasive summary of what you do, ideally delivered in under 30 seconds.But as we become more established in our businesses, we can sometimes fall into the trap of thinking this kind of pitch is only for newcomers or start-ups.That couldn’t be further from the truth.In reality, the elevator pitch remains one of the most valuable tools at any stage of your business journey.Whether you’re just starting out, pivoting, launching a new service, or looking to grow, being able to clearly and confidently articulate what you do – and why it matters – can open doors you didn’t even know were there.It’s not about reciting a script. A great elevator pitch is: • Clear and concise • Engaging and relevant • Natural, not robotic or salesyThink about it this way: if someone asked, “So, what do you do?” as the lift doors closed, would your answer keep them listening until the doors opened again?By the time you reach the 10th floor, the person beside you should understand your offering – and be interested in learning more.Even if you rarely find yourself in actual elevators, the idea is a metaphor.Opportunities to make an impression can happen anywhere: at networking events, business lunches, community gatherings, or even chance encounters in line for coffee. Being ready matters.Tips for Crafting a Strong Elevator Pitch1. Know Your GoalStart by being clear on what you want to achieve.Are you introducing your business? Promoting a new service? Attracting a strategic partner?You can create tailored versions of your pitch depending on the situation or audience.2. Focus on Solutions, Not Just ServicesDon’t simply list what you do.Instead, frame it around how you help. What problems do you solve? What outcomes do your clients or customers get from working with you?People remember stories and results, not job titles.Instead of saying: “I’m a plumber” …. say: “I help homeowners solve urgent plumbing issues quickly and reliably – so they can get back to normal without the stress and mess.”3. Highlight Your Unique Selling Proposition (USP)What sets you apart from others in your field? Is it your experience, your approach, your technology, or your values?This is your chance to stand out.Be authentic and confident about what makes you different.4. Engage with a QuestionA strong pitch invites conversation. End with an open-ended question that encourages a meaningful response.For example:
“How do you currently manage that aspect of your business?” or “Is that something you’ve come across in your industry?”Questions like these not only continue the dialogue but also show that you’re genuinely interested in the other person - not just pitching to them.5. Pull It All Together
Once you’ve written your pitch, read it out loud. Time yourself. It should be no longer than 30 seconds.Avoid jargon, clichés, or complicated explanations.You’re aiming for simple, relatable language that resonates.6. Practice Makes PerfectRehearse until it feels second nature. Say it to your mirror, record yourself on your phone, or test it on a colleague.The more you practice, the more naturally it will flow – especially under pressure.A Final TipAlways carry business cards or be ready to share your contact details.If your pitch lands well, make it easy for the other person to follow up.Want Help With Yours?Crafting the perfect pitch can be tricky—but it’s worth the effort.If you'd like help refining yours, or just want a fresh set of ears to test it on, feel free to get in touch. I'm always happy to help.

Cashflow is the heartbeat of any small business.Profit means little if you can’t pay the bills. For many New Zealand SME’s, especially those with seasonal swings or tight margins, managing cashflow is the difference between thriving and merely surviving.Here’s how to keep more money in your bank account (not just on your profit and loss report).1. Get Paid FasterSpeed up receivables:Invoice immediately – Don’t wait until “the end of the month”. Automate invoicing in Xero right after the job is done.Tighten payment terms – Consider 7 or 14 day terms instead of the standard 20th of the following month.Follow up consistently – Use invoice reminders or assign someone to follow up weekly.Tip: Use Stripe to let customers pay directly from the invoice — no excuses.2. Slow Down Payments (without Burning Bridges)Ease pressure on cashflow by managing supplier payments:Negotiate supplier terms – If you’re on 7 day terms, ask for 20 or 30. Reliable customers often get flexibility.Use your credit card wisely – Pay now using your card, then take advantage of up to 55 interest-free days.Stagger payments – Prioritise by due date, relationship importance and what’s due vs available cash.3. Forecast Like a ProA 13-week rolling cashflow forecast is one of the most powerful tools in any SME owner’s kit.Early predictions – know when cash is tight before it happens.Plan for GST and Provisional Tax – these bills are regular and predictable - build them in.Model 'what-if' scenarios – What happens if sales dip or you hire someone new?Tip: A simple spreadsheet can do the trick or there is forecasting software available.4. Boost Margins, Not Just Cut CostsImproving cashflow isn't always about trimming expenses — it’s also about improving what is earned per sale.Review your pricing – Are you charging enough to sustain your business?Drop low-margin jobs – Focus your energy where the money is.Consider package deals – Offer higher-value options, add-ons, or recurring options.5. Finance IntelligentlyExternal funding isn’t evil if it helps to smooth gaps or unlock growth.Tax pooling – use services like Tax Traders or TMNZ to ease the burden of provisional tax. Your accountant can set this up.Invoice finance – Get paid 80–90% of the invoice upfront to free up cash.Short-term loans – Useful for bridging seasonal gaps but ALWAYS check the interest and terms.6. Avoid the Common Cashflow KillersOverstocking – Inventory is just cash sitting around.Drawing too much – Don’t empty your shareholder current account too fast. Keep aside at least 25% for tax and 15% for GST.Late GST or PAYE – The penalties hurt. If you’re stuck, talk to IRD early about instalment plans.Buying vehicles and other assets which are more expensive than what is necessary or can be afforded. The funds to buy the assets ultimately come from profits and reduce the amount you can draw from your business.Final ThoughtCashflow is about good habits and clear visibility.Businesses that stay on top of their cashflow gain control, resilience, and room to grow.In today’s economic climate, that is your competitive edge.If you would like help with building a simple cashflow forecast or reviewing your payment terms, let’s talk.At David Hooper Chartered Accountants, we specialise in helping small businesses optimise their finances and improve cashflow. Get in touch today at [email protected] or call 09 421 1635.

Before someone picks up the phone, sends an enquiry, or walks through your door, they’ve already formed an opinion.Not based on a conversation with you—but on what they’ve seen online.Your website, your social media, your blog, your reviews.In short: your content.And whether you realise it or not, that content is speaking on your behalf.It’s telling a story about your business.The question is—what story is it telling?Trust doesn’t start with a smile at the counter or a friendly phone call.These days, it starts much earlier.It starts the moment someone Googles your name, spots you on the Hibiscus Coast App, or clicks through from a Facebook post.That’s where the relationship begins—and your content is doing the talking.Good content says, “We know what we’re doing.”It shows that you’ve thought about your customer, anticipated their questions, and made it easy for them to understand what you offer.That kind of clarity builds confidence. And confidence leads to action.You don’t need to write essays or produce slick videos.But the content you do put out—even something simple like a service page or FAQ—should feel clear, considered, and genuinely helpful.That’s what earns trust.It shows you care about making life easier for your customers.And when people feel understood, they’re far more likely to trust—and buy.For local businesses, content is also one of the best ways to stand out.You may not have the biggest budget, but if your content feels more genuine, more useful, and more human than the next option, you’ll often win—especially when customers are choosing between businesses that seem similar on the surface.And here’s the real beauty: content keeps working in the background.While you’re busy serving customers, it’s quietly doing its job—reassuring, informing, and nudging people closer to saying yes.Your content is often the first (and sometimes only) chance to show people who you are.But it’s not just about showing up—it’s about showing up well.Thoughtful, well-crafted content earns trust. The rest just adds noise.So make it count.Start with quality.Add clarity and warmth.And let your content reflect the real-world experience your business is known for.

Having trouble meeting your tax deadlines? A simpler solution is available.Instead of incurring penalties for missed or upcoming tax payments, you can take advantage of tax pooling.This approach lets you purchase overpaid tax amounts from other taxpayers.The purchased tax is then credited to your IRD tax account on the original payment date of the seller.Although a small interest fee applies—typically lower than the IRD rate—you avoid late payment penalties.The process is streamlined, requiring no credit application; however, it can be a bit complex, so we suggest consulting your accountant.Often, accountants can secure a slightly discounted rate for their clients.For example: If a tax payment due on 28 August 2024 is missed, you can purchase it from the tax pool to avoid penalties, with the payment deferred as late as mid-June 2025.Similarly, if a tax payment is due on 7 May 2025, you can finance it so that the deadline extends to as late as mid-June 2026.There are additional variations of tax pooling designed to improve business cash flow.Your accountant can explain which options best suit your needs.Only a limited number of tax pool providers are authorised by legislation and are subject to strict monitoring.Funds typically flow through entities such as The Public Trust Office to ensure the security of deposits.At David Hooper CA Limited, we exclusively partner with Tax Traders, enabling our clients to benefit from reduced interest charges.For more information, visit: https://home.taxtraders.co.nz/who-we-areLet us help you get your head above water and keep the monkey off your back. Get in touch today at [email protected] or call 09 421 1635.

As a landlord in New Zealand's residential rental market, you may be overlooking a significant opportunity to reduce your tax burden. Many landlords fail to take full advantage of depreciation claims on chattels—everyday items in a rental property that lose value over time. Understanding how this process works and keeping track of your assets could mean substantial savings. Here’s what you need to know.What Are Chattels and Why Is Depreciation Important?In the context of residential rentals, chattels refer to movable personal items that are not permanently fixed to the property. These can include:Furniture: Beds, sofas, wardrobes, and dining setsAppliances: Refrigerators, washing machines, microwaves, and hot water cylindersElectronics: Televisions, coffee machines, and other small devicesFit-out items: Carpets, curtains, and blindsDepreciation represents the loss of value in these assets due to wear and tear, usage, or obsolescence. For landlords, depreciation is more than just an accounting tool—it’s a way to reduce taxable income. By recognising the gradual decrease in value of these chattels, you can claim a deduction, effectively lowering the amount of tax you pay.How Depreciation Claims Work for Residential RentalsUnlike commercial properties, residential rental properties in New Zealand come with specific rules around depreciation:Building Depreciation Limitations: The structure of a residential property cannot be depreciated. However, chattels, which are items you provide to tenants for their use, are eligible for depreciation.Claiming Depreciation: If your rental property is furnished with items, you may be able to claim a portion of the cost each year. For example, if you provide a washing machine or a fridge, you can deduct the depreciation for these items from your taxable rental income.Depreciation Calculation: The Inland Revenue Department (IRD) has established guidelines and prescribed rates for calculating depreciation. These rates reflect how the value of each type of asset decreases over time, and they determine how much you can claim in deductions each year.Timing: It’s crucial to claim depreciation in the first year of ownership, as failing to do so means you cannot revisit past years for deductions. Once you opt out, you are deemed to have elected not to claim depreciation.For detailed IRD guidelines, you can check the official link here.The Bottom Line: Maximise Your Tax SavingsDepreciation claims on chattels provide a valuable tax deduction for residential landlords, acknowledging the natural wear and tear of everyday items. By understanding what qualifies as a chattel and following the IRD’s guidelines, you can reduce your taxable income and manage your tax liabilities more effectively.To take full advantage of these deductions, it’s important to maintain accurate records and stay updated on any changes to tax regulations. As tax laws can be complex, seeking professional advice is always a smart move. When done right, depreciation claims can be a powerful tool in your overall property management strategy.Note: This article is for informational purposes only and does not constitute professional tax or legal advice.At David Hooper Chartered Accountants, we help landlords maximise depreciation claims to reduce tax liabilities. Get in touch today at [email protected] or call 09 421 1635.

How much time do you lose during your day due to disorganisation?Perhaps you spend five minutes searching for a misplaced file, another five looking for an email that you know you kept "somewhere", and perhaps five more finding some other important piece of paper, lost in the piles of all the other pieces of papers on your desk (or the piles of electronic "stuff" on your computer). For desk, read workspace, office, tool-shed or whatever - these points apply to all workers whether fully desk-bound, or in a workshop, or out in the field. Being well organised isn't just an office "thing". It's essential for all workers, no matter their environment.All those five minutes add up - before you know it, you've spent an hour throughout the day looking for things you can't find. And that's just one day! Even if you only lose 5 minutes a day, that’s more than 20 hours in a typical working year. If you’re losing 15 minutes a day, that adds up to over 60 hours a year—a full week and a half—wasted!If your staff asked for an extra week and a half off on holiday, would you approve it? They already get 4 weeks annual leave and a growing number of statutory days as well – so another week or more’s “unauthorised absence” starts to hurt doesn’t it?Many people struggle with disorganisation, but here are a few simple tips that could help:Use a Notebook Somewhere to jot down all those things you think you'll remember during meetings and phone calls, but possibly don't. The modern staff member probably would say "use the Notes function on your phone". Either way, just do something! Think of all the mental energy you'll save by not have to remember everything in your head. Clear your desk If there are files or papers on there that you haven't actually looked at for weeks, then the chances are you never will. But you don't have to throw them away - put them in a file in a drawer marked "Stuff to Read Later", and then see if you ever do. And see if your career is impacted at all if you don't.Create an Action Area On your desk, just the items you need right now, for the current task you're working on. Keep key items handy The more often you use something, the closer to hand it should be. This covers everything whether it be a file, the printer, or your stapler! Arrange your workspace for usefulness, not for the way it looks.Use Digital Planners and Systems Papers need to be organised and tidy, so to do electronic systems. Make use of the colour coding that comes with many programs, perhaps to separate key work tasks from personal errands for example; or to organise files into urgent, medium-priority and low-priority; or to sort and prioritise your emails. Make sure your electronic system is as tidy as your desk, or old fashioned filing cabinet - it doesn't matter whether you are searching for a physical piece of paper, or an electronic file you know you "put somewhere where you wouldn't forget it", the principles are the same. It doesn't matter what system you use - just use a system of some kind. You won't regret it!These are all pretty simple tips, but the amazing thing is that in this sort of discussion, it's usually the simple things that are the most effective. Remember, it doesn’t matter if you’re using a paper system or digital tools. The key principles remain the same:Keep your workspace clean and organisedUse the tools available to make your life easierKeep what’s essential within easy reachIf you don’t need something, get rid of it!By implementing these straightforward strategies, you’ll boost your efficiency and reduce time lost to disorganisation.If you'd like to learn more about how to streamline your business operations and increase efficiency, get in touch with Matchbox Consulting. Let’s chat over coffee about how we can help your SME thrive. Contact us today at www.matchboxconsulting.co.nz

Most small businesses struggle to stand out.There’s competition everywhere, and finding a way to connect with customers isn’t always easy.But one approach that works time and time again is storytelling.Storytelling isn’t just about marketing—it’s about making people remember you, trust you, and choose you over someone else.People connect with stories far more than they do with facts and figures.A great story helps turn a small business into a brand customers genuinely care about.Why Storytelling Works (And Why You Should Care)People make decisions based on emotion first and logic second.A compelling story taps into that emotional side—it makes your business feel real, relatable, and worth supporting.Think about a local café that shares its journey of sourcing ethically grown beans or a gym owner who started their business after overcoming their own fitness struggles.These stories create deeper connections and make customers feel part of something bigger than just a transaction.What Makes a Great Business Story?A good story doesn’t need to be complicated—it just needs to be real.Here are a few key elements that work:Why You Started – What inspired your business? Was it a passion, a problem you wanted to solve, or a gap in the market?Your Values – What does your business stand for? Customers are drawn to businesses with values that align with their own.The People Behind It – Who are you? Sharing your journey, challenges, and motivations makes your business more relatable.Customer Stories – Real examples of how your business has helped people add credibility and build trust.How to Use Storytelling in MarketingOnce you have a solid story, use it across different marketing channels:Website & About Page – Introduce visitors to your story, not just your services. This helps them connect with your brand.Social Media – Share behind-the-scenes moments, customer testimonials, and updates that reinforce your business’s journey.Emails & Newsletters – Instead of focusing solely on promotions, use storytelling to engage your audience and build loyalty.Advertising & Branding – A strong brand story should be reflected in everything from your visuals to your messaging.The Bottom LinePeople may forget what you sell, but they won’t forget how your story made them feel.Small businesses that embrace storytelling create stronger customer connections, build loyalty, and stand out in a crowded market.New Zealand has some fantastic examples of businesses using storytelling to connect with customers, build loyalty, and stand out in the market.Here are just two Kiwi examples that showcase the power of great storytelling:Pic’s Peanut Butter – From Garage to Global SuccessPic’s Peanut Butter has an inspiring founder-led story.Pic Picot started making peanut butter in his garage, and through sheer passion and word-of-mouth, it became a globally recognised brand.Their storytelling focuses on their humble beginnings, their commitment to natural ingredients, and their quirky, down-to-earth brand personality, making them highly relatable to customers.https://www.picspeanutbutter.com/about-usAllbirds – Sustainable InnovationAllbirds, the Kiwi-founded footwear brand, has built its entire brand around sustainability.Their story focuses on the journey of creating a shoe made from natural materials, their commitment to reducing carbon footprints, and their ongoing innovations in eco-friendly fashion.Their storytelling isn't just about selling shoes—it's about making consumers feel like they're part of a movement toward a more sustainable future.https://www.allbirds.co.nz/pages/our-storyOh, and here’s another one ...a little bit closer to home.

If you missed part 1 and 2 from previous months, don't hesitate to call MTF Silverdale now, or review previous month's articles under this segment of the Hibiscus Coast App. PPSR The Person Property Securities Register (PPSR) is a list of all high value items that Kiwis own, along with any lender that are currently using them as security. It exists so that MTF, as well as other lenders, can tell if another lender has a security interest over an asset that you may own or are looking to purchase on finance or to raise fund on that asset. Principal The principal is the total amount that you borrow, at the start of the loan. It does not include the interest - this is calculated and charged separately. Security When you apply for personal or business finance, you may need to provide an asset - like your car, home, or business equipment - as "security" for the loan. This means that if you don't make your payments, the lender has the right to repossess the asset. This gives the lender more confidence and lowers their risk, which can make them more comfortable offering the loan. In most cases, MTF use the vehicle you're purchasing as security. Settlement Loan settlement is paying back the total amount you owe - like settling your tab! Shortfall Insurance shortfall is something that we all want to avoid. It happens when your vehicle gets written off, and the amount your insurance company pays out is less than the amount you have left on your loan. There are ways to avoid this kind of problem, give us a call on 09 4210335 if you'd like it explained further. Terms The terms of a loan set out the agreement between the lender and the borrower, and both parties must agree to the terms before a loan can be legally binding.It's vitally important you understand the terms of a loan before signing, and the lender is legally obliged to ensure you understand before a loan can be written. Waiver If you waive something, that means you decide not to enforce it or use your rights to it. When MTF say "Waiver" we are normally taking about our Payment Waiver product, an optional protection that you can choose to include in your loan. When we offer a payment waiver, we are saying: "We know that we have signed a contract with you, but if this specific thing happens, we are not going to enforce the contract. "For example, if your payment waiver includes redundancy cover and you are made redundant then we will waive your repayments while you get back on your feet. Was the above useful? We hope this has helped you to cut through the jargon - it's important to us that you understand the language and feel comfortable and confident about your lending. If we've missed something, or there's another term you'd like to know more about, please call in and talk to us or give us a quick call. You are protected by responsible lending laws. Because of these protections, the content above is not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to this content. This includes a duty to comply with a code on conduct and a requirement to be licensed. Now that you have a better understanding of borrowing money, why not contact MTF Silverdale by either emailing us at [email protected], call us, or pop into our office for a chat to get pre-approved for your next purchase or financial need.

No matter what the circumstances, small to medium sized businesses are just like humans – they need to adapt to survive.And whilst just a few years ago, Artificial Intelligence (AI) may have seemed out of reach, or probably totally irrelevant to SMEs, it’s now time to jump on board!AI offers powerful tools to help businesses streamline operations, improve customer satisfaction, and drive growth.Here’s a few examples….Boosting Efficiency and Productivity, Reducing CostsAI-powered tools can automate repetitive tasks, freeing up employees to focus on higher-value activities.For instance, AI-driven accounting software can handle invoicing, payroll, and expense tracking with minimal human intervention.For industries like manufacturing, logistics, or agriculture, AI systems can optimise processes.Predictive maintenance tools, for example, identify potential equipment failures before they occur, reducing downtime and repair costs.SMEs in exporting can leverage AI to monitor supply chains and anticipate disruptions, ensuring smoother operations.Enhancing Customer ExperienceExceptional customer experiences are essential for building loyalty and standing out in a crowded market.AI tools enable SMEs to deliver personalised interactions, such as tailored product recommendations or customised email campaigns based on customer behaviour.And chatbots, love them or hate them, are now instantly handling customer queries, even outside normal business hours, thus improving satisfaction levels.Improving Decision-Making with Data InsightsAI excels at analysing large volumes of data and extracting meaningful insights.For SMEs, this means better decision-making based on accurate, real-time information.AI-powered analytics tools can help businesses understand sales trends, customer preferences, and market shifts, allowing them to adjust strategies proactively.A small café, for instance, could use AI to identify its busiest times and offer targeted promotions during slow periods.Similarly, a clothing retailer might analyse seasonal trends to stock popular items, reducing overstocking and wastage.Driving Innovation and GrowthAI empowers SMEs to innovate in ways that were previously impossible.E-commerce businesses, for example, can integrate AI to offer personalised shopping experiences, such as curated product recommendations or virtual try-ons.AI also supports product development by analysing market trends and customer feedback.A food producer could use AI to refine recipes or create new products that cater to growing consumer demand, such as plant-based or sustainable options.Overcoming our Unique ChallengesNew Zealand SMEs face unique challenges, such as geographic isolation and a relatively small domestic market.AI can help bridge these gaps by opening doors to international markets.Translation tools, for instance, allow businesses to communicate with overseas clients in their native languages, while AI logistics platforms can optimise shipping routes and costs for exporters.Sustainability is another focus for many New Zealand businesses.AI tools can help monitor energy usage, reduce waste, and implement eco-friendly practices, saving costs while appealing to environmentally conscious consumers.Overall, AI offers immense potential to enable NZ enterprises to compete effectively, even on a global scale.As AI technology continues to evolve, it will provide even greater opportunities for SMEs to thrive.Embracing AI isn’t just about staying competitive—it’s about future-proofing your business and unlocking new possibilities in a rapidly changing world.(And yes, if nothing other than to prove it works, I used AI to help me write this article. It did not write the whole thing – I still exercised final editing rights to make it sound a little less computer, and a little more human ….).Ready to future-proof your business? Contact Matchbox Consulting today to discover how we can help drive efficiency, enhance customer experiences, and accelerate growth for your SME.

If you missed part 1 last month, don't hesitate to call MTF Silverdale now or review last months articles under this segment of the Hibiscus Coast App.Debt Consolidation A borrower may decide to transfer their existing dents from many sources into one loan, paying one interest rate with one regular payment.This may decrease the interest paid overtime, or simply be a more convenient way of managing your personal finances.Deposit A deposit is an initial amount of money that you pay upfront to confirm a purchase, often required by a lender so that you have some equity in your purchase that is being financed.Direct Debit When you set up a direct debit, you are giving someone else authority/approval to take regular payments from your bank account on a set schedule, which may ne weekly, fortnightly or monthly in line with your income.Dishonour If your direct debit (DD) doesn't go through because there wasn't enough money in your account, this is known as a dishonour.MTF doesn't charge dishonour fees, although other lenders and your bank might.Equity Equity is the difference between how much your vehicle is worth, and how much you have left to pay off.Guarantor A Guarantor is usually (but not always) someone who can make it easier for a lender to accept the borrower for a loan - often they will have a better credit score, or the ability to cover the loan payments if the borrower can't.As with a co-borrower, the Guarantor has the same legal responsibilities under the loan as the borrower.Interest When you borrow money from any lender, you'll need to pay back the interest as well as the original amount that you borrow plus any establishment fees.Interest and establishment fees is the cost of borrowing, and allows the lender to cover their own operating expenses.Mechanical Breakdown Insurance (or MBI) This is an optional insurance policy designed to protect you from expensive repair bills on your vehicle, should it break down or develop a fault.As with any other insurance product, you pay a premium (which may be added to your regular loan payments) and have obligations to fulfil in order to keep the insurance cover active.An MBI has a limited range of breakdown conditions that may be covered for each vehicle, so ensure you read and understand your MBI terms and conditions before purchase.MTF Silverdale can issue a MBI for an existing vehicle without finance if you wish to protect against the unexpected, Simple email us on [email protected] for further details.Payment Waiver Payment Waiver is an optional MTF product that can cover the cost of your loan repayments due to unforeseen life events such as illness, injury, unemployment, terminal illness, death or bankruptcy if a business.There are a variety of Payment Waiver levels to choose from to suit your situation and the premium cost for this product can be added to your regular loan repayment, spreading the cost over the term of your loan.Was the above useful?We hope this has helped you to cut through some of the jargon - it's important to us that you understand the language and feel comfortable and confident about your lending.If we've missed something, or there's another term you'd like to know more about, please call in and talk to us or give us a quick call.You are protected by responsible lending laws.Because of these protections, the content above is not regulated financial advice.This means that duties and requirements imposed on people who give financial advice do not apply to this content.This includes a duty to comply with a code on conduct and a requirement to be licensed.As this is part 2 of 3 instalments, and you feel you want to know the rest now, don't hesitate to email us at [email protected] for the full jargon buster!

To thrive in today's competitive market, small businesses on the Hibiscus Coast need to embrace content as a strategic tool.Acting like a multi-channel media company is essential, engaging customers across email, websites, social media, business networks, and mobile apps.This article explores actionable strategies to craft a winning content strategy and maximise its potential, with a focus on local opportunities.Act Like a Media CompanyTo develop a robust content strategy, businesses should think of themselves as multi-channel media companies.This involves planning how customers will:Find your brand (visibility)Connect with it (engagement)Take action (conversion)It’s also key to use the right kind of content for each platform:Long-form content: Blogs, podcasts, and videos on platforms like YouTube provide depth and build authority.Short-form content: Social media posts such as Instagram captions or Facebook updates drive engagement.Visual content: Diagrams and infographics effectively convey complex ideas.Video content: Highly versatile and engaging, video can be repurposed for emails, social media, or ads.Choose the Right PlatformsRather than trying to be everywhere, focus on one or two platforms where your ideal customers are most active.Here’s how businesses on the Hibiscus Coast can get started:Select platforms aligned with goals: For visibility, consider tools like Google Business Profiles and Facebook Ads. For hyper-local reach, the Hibiscus Coast App is a valuable platform for digital advertising and directory listings.Leverage each platform strategically: Engage with followers, optimise metadata, and collaborate with other local businesses.Optimise your website: Ensure it’s Google-friendly, provides a seamless user experience, and highlights your unique offerings.Tailor Content for Each PlatformContent should serve a specific purpose and align with the chosen platform’s strengths. For example:If visibility is the goal, focus Instagram content on attracting new, relevant prospects.Use consistency to your advantage by creating a posting schedule that fits your capacity.Practical Steps for a Winning StrategyStart with a Clear Offer and Audience:Define your target audience and ensure all content aligns with their needs. For instance, a Hibiscus Coast café might focus on promoting fresh, locally sourced menu options to attract nearby residents.Solve Customer Problems:Frame content around addressing your audience’s challenges. For example, a local landscaper might share tips on maintaining gardens during the summer months.Create a Lead Magnet:Offer valuable content, such as a free guide to local events or an exclusive discount, in exchange for email addresses.Build Relationships:Share your business’s story, offer perks to loyal customers, and foster a sense of community by supporting local events.Understand the Customer Journey:Map out how customers discover, engage with, and buy from your business. Align content with each stage of this journey.Leverage Video Content:Short, authentic videos showcasing your products, services, or team resonate well with audiences and can be repurposed across platforms.Use Storytelling:Incorporate personal stories, insights, and practical tips to make your content relatable and memorable.Prioritise Quality Over Quantity:Focus on creating high-quality content that provides real value, rather than churning out large quantities of mediocre materialThe Path to Long-Term SuccessA well-crafted content strategy transforms a business into a trusted resource for its audience.Small businesses on the Hibiscus Coast can build stronger connections and drive growth by acting like a media company, focusing on the right platforms, and maintaining regular updates.Start small, stay consistent, and adapt as needed to see lasting results.Is your business making the most of its content strategy?The right approach can help you attract more customers, strengthen your brand, and drive real growth.If you're unsure where to start or how to refine your strategy, Townsquare Media can help.

Starting 1 April 2025, New Zealand will implement significant changes to its progressive income tax system, which taxes higher income levels at increased rates.These adjustments aim to simplify the tax structure and provide relief to low- and middle-income earners while maintaining the progressive approach for higher-income brackets.Here is what you need to know about the current and upcoming tax rates, and how they might impact you.Current Tax Rates (Until 31 March 2025)Currently, income tax rates are as follows:$0 – $14,000: 10.5%$14,001 – $15,600: 12.82%$15,601 – $48,000: 17.5%$48,001 – $53,500: 21.64%$53,501 – $70,000: 30%$70,001 – $78,100: 30.99%$78,101 – $180,000: 33%$180,001 and over: 39%These rates apply only to the income within each bracket.The cumulative tax calculations, which help estimate the total tax liability within each bracket, are as follows:$0 – $14,000: 10.5% ($1,470)$14,001 – $15,600: 10.74% ($1,675)$15,601 – $48,000: 15.30% ($7,345)$48,001 – $53,500: 15.95% ($8,535)$53,501 – $70,000: 19.26% ($13,485)$70,001 – $78,100: 20.48% ($15,994)$78,101 – $180,000: 27.57% ($49,621)$180,001 and over: 39% (per extra dollar)E.g. if you earn between $70,001 and $78,100, put 21% of net revenue into your tax bank savings account for income tax.To cover GST, add the 15% on invoices paid to the bank tax savings account.Upcoming Tax Rates (Effective 1 April 2025)$0 – $15,600: 10.5%$15,601 – $53,500: 17.5%$53,501 – $78,100: 30%$78,101 – $180,000: 33%$180,001 and over: 39%Similar to the current system, these rates apply only to income within each bracket.The cumulative tax calculations for the new rates are as follows:$0 – $15,600: 10.5% ($1,638)$15,601 – $53,500: 15.46% ($8,270)$53,501 – $78,100: 20.04% ($15,650)$78,101 – $180,000: 27.38% ($49,277)$180,001 and over: 39% (per extra dollar)Implications and ConsiderationsThese changes reflect the government’s efforts to adapt the tax system to economic conditions and fiscal policy goals.By raising income thresholds for lower tax brackets, more income will be taxed at reduced rates, potentially easing the financial burden on low- and middle-income earners.For higher-income earners, the retention of the 39% rate for income over $180,000 ensures the progressive structure remains intact, requiring those with greater financial capacity to contribute proportionally more.Additionally, the streamlined tax brackets effective from April 2025 may have implications for businesses and individuals, including:Adjustments to withholding tax calculations.Updates to payroll systems.Impact on financial forecasting and provisional tax planning.Practical Tips for Tax ManagementTo ensure you’re prepared for these changes, consider setting up a separate bank tax account to allocate tax and GST payments each month.This approach helps you stay on top of tax obligations and avoid surprises when payments are due.Remember, taxable income is calculated as revenue minus expenses, not just the total of sales invoices.A More Streamlined FutureThe upcoming adjustments to New Zealand’s income tax system represent a significant step towards a more streamlined and progressive structure.Whether you’re a low- or high-income earner, these changes are designed to balance simplicity with fairness, ensuring the tax system continues to support economic growth and fiscal responsibility.Need Help Navigating the Changes?At David Hooper Chartered Accountants, we specialise in helping businesses and individuals adapt to tax changes with ease.From business advice to trust and rental accounts, we ensure you're equipped to thrive under the new tax regime.Contact us today at [email protected] or phone us on 09 421 1635.

Let's be real – running a small business on the Hibiscus Coast isn't just a job, it's a passion.And in today’s digital world, that passion needs a powerful voice.The reality: businesses that aren’t mastering content are becoming invisible. Content is the language of growth – it's how you stand out in a noisy digital landscape.We know the struggle. Limited time and tighter budgets make it hard, but smart, practical strategies can help you connect, compete, and convert in 2025.Here are three actionable ways to transform your business, even with limited resources:1. Your Google Business Profile: Your Digital StorefrontThink of your Google Business Profile as the digital window display for your business.Most potential customers will check you out here before they even step foot in your store.Quick Wins That Actually Work:Review Hustle: Ask happy customers for reviews. Make it easy and personal.Response is King: Respond to all reviews, even negative ones. It shows you care.Keep It Fresh: Regularly update business hours, contact info, and photos.2. Email Marketing: Not Dead, Just SmarterForget those spammy newsletters.We're talking about emails that people actually want to read.Your Email Game Plan:Irresistible Sign-Up Incentives: Offer discounts, guides, or local tips.Speak Directly to Them: Personalise content based on audience segments.Value, Value, Value: Share useful tips and insights – make your emails feel like friendly messages, not sales pitches.3. Advertise Locally with Precision and ImpactThe Hibiscus Coast App is changing the game for local advertising.This hyperlocal platform lets you connect with potential customers exactly where they are – on their smartphones.With 3-5x higher engagement than traditional media, it’s an opportunity you can’t afford to ignore.Why This Matters:Always-On Audience: The average smartphone user checks their device 58 times per day.Instant Engagement: Your message appears when and where it matters most.Real Insights: Platforms like the Hibiscus Coast App offer real data on who’s engaging with your ads.The Real Numbers (No BS)A recent survey revealed some eye-opening stats about small businesses like yours:Small businesses with fewer than 10 employees spend less than $500/month on marketing.65% of business comes from word-of-mouth.Most businesses spend just 1-10 hours per week on marketing.Over half of small businesses use AI to streamline content creation and social media.Your 2025 Game PlanBe Consistent: Small, steady actions beat sporadic big efforts.Embrace Digital Tools: They’re here to help, not replace you.Stay Connected: Your community is your greatest asset.Ready to Elevate Your Business in 2025?Success begins with strategy. Whether you’re optimising your Google Business Profile, creating impactful email campaigns, or exploring hyperlocal advertising, small, focused actions can lead to transformative results.At Townsquare Media, we specialise in helping businesses like yours achieve sustainable growth through tailored marketing and media solutions. Let’s turn your vision into a data-driven, results-focused strategy. Contact us today to discover how we can help your business thrive.

New Year’s Eve – that day we make all sorts of resolutions, often only to start breaking them approximately 24 hours later.But have a look at the following few business ideas, and see how many you can adopt as resolutions for 2025 – and then will stick to as the year goes by….1. To look forward, start by looking back.Review your goals for 2024 – did you achieve them all? Did you achieve any?If not, why not?Use your learnings from this exercise to make sure your goals for 2025 are truly going to make a difference.Targets shouldn’t be so easy to hit that they aren’t really a challenge, but they have to be realistic and within your capabilities at the same time.2. Don’t try to be all things to all people in 2025.Stick to what you know, and what you believe in, and don’t be swayed by others’ strong opinions.3. Don’t say one thing to one person, and the opposite to another especially if they are both members of the same team.Chances are, they will talk to each other.Be consistent in your approach.4. Whatever system you use, keep it up to date.If it’s MYOB, or Xero, or whatever, keep the data input and the reporting current all the time, and above all don’t let the backlog get too big to tackle.5. Use your system to produce reports that are meaningful and useful to you – and then use them.Reporting just out of habit, and using the info, is about as useful as not reporting anything at all.Put yourself in a better place to identify issues well before they become real problems.6. Stay on top of cashflow.Know ahead of time when the pinch points might be, and take as much action as you can to reduce the impact.Sometimes the simplest of actions can make a difference – here’s just one example: change your invoice payment prompt from 20th of the following month to 7 days after invoice – not everyone will meet this last request, but even if just a few do, then your cashflow WILL get better.7. Don’t ignore the creditors – doing so will NOT make them go away unfortunately.Hoping they don’t notice won’t work, nor will not communicating.8. If you have specific known obligations coming up (tax payments for example) and you put money aside for these things regularly, you will find the bills when they do fall due are so much easier to deal with, and you won’t fall behind.9. If you DO put money aside in this way, remember it is solely for the stated purpose and is NOT to be ‘borrowed’ to pay something else that crops up.Yes, I know you intend to put it back before the tax bill is due, but will you?10. When you are paid by a customer, clear the associated materials immediately from the revenue.Or if you haven’t been billed by your supplier yet, then put the money aside and pay the resulting invoice the day it is received (but don’t forget point 9 above)Paying attention to these suggestions may just make the difference your business needs in 2025, so every best wish for the year ahead.And maybe – just maybe – these goals stand a better chance of being met than the usual ones like eating less chocolate, going to the gym regularly and so on.Send me a message on www.matchboxconsulting.co.nz if you’d like to have a chat about all this over a coffee.Happy New Year, from Andrew.

If you're new to the world of borrowing money, it might seem like we're speaking another language! The loan industry is filled to the brim with words that seem to be designed to make things unclear, instead of the opposite. Hopefully this will help untangle the jargon and make it easy for you to understand the ins and outs of loans. Here are some words you will likely come across: Arrears If your loan or account is "in arrears", that means that you've missed one or more payment. You want to avoid being in arrears – it's not great for your credit score and can ultimately cause further fees. If you think you might fall behind on repayments, it's a good idea to contact your lender as soon as possible. Asset An "asset" is something of long-term value that is owned by you, or your business. This is often also called "collateral". Common personal assets are your home and car. If you're in business, you might own office computers or factory equipment. Authority In loan terms, giving authority means giving permission - not putting someone in charge. When we set up a direct debit for your loan repayments, we will request payment authority. When you grant this authority, you are saying that we are allowed to withdraw money from your bank account, on a regular schedule and at a pre-set amount. CCCFA This is NZ legislation that lays out many of the rules for both parties in a contract for consumer finance (its full name is Credit Contracts and Consumer Finance Act). The most important job of the legislation is to protect consumers from being taken advantage of when taking out a loan and to make sure you're given the opportunity to fully understand what you're signing. Co-borrower This refers to someone who will join you in signing the loan contract. The reason for including a co-borrower are varied, and the co-borrower has the same legal responsibilities under the loan as the borrower. Credit Score or credit history Credit scores are like haircuts: we all have one, and some are better than others! Your credit score is a number between 1 and 1000 that gives lenders an idea of what your previous financial history is like, along with how good you are at paying your bills. Most credit scores are between 300 and 850; if yours is above 500 you're doing OK. Credit scores are based on everything you've done financially in the past - so if you've had a loan, buy now / pay later or internet bill and paid it off on time, then that's a good thing for your credit score. Having a negative history - like a bankruptcy, debt collection, or a lot of missed payments - lowers your overall score. If you have a good credit score, it will be easier to borrow money and it may assist in getting a better interest rate. Was the above useful? We hope this has helped you to cut through some of the jargon - it's important to us that you understand the language and feel comfortable and confident about your lending. If we've missed something, or there's another term you'd like to know more about, please call in and talk to us or give us a quick call. You are protected by responsible lending laws. Because of these protections, the content above is not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to this content. This includes a duty to comply with a code of conduct and a requirement to be licensed. As this is part 1 of 3 instalments, if you feel you want to know the rest now, don't hesitate to email us at [email protected] for the full Loan Jargon Buster!

The coming holiday break will be a time for family, relaxation, and recharging the batteries. For business owners, it can also be an opportunity to prepare for next year while still enjoying the festive spirit.Here are some tips to help you balance a well-deserved holiday with getting ready for 2025.Plan and PrioritiseWhat will 2025 bring?Begin by prioritising tasks that will set a strong foundation for the new year.This means setting new goals, identifying areas for improvement, and mapping out the steps to achieve these objectives.Creating a detailed plan can help you focus your efforts on what’s most important.Break down larger goals into smaller, manageable tasks to avoid feeling overwhelmed.This will allow you to make steady progress even during the busy holiday season.By planning ahead, you ensure that when you return to work, you can hit the ground running.Reflect and ReviewReflecting on the past year is crucial for making informed decisions about the future.Take time to analyse what worked well in 2024 and what didn’t.Review internal information such as sales data, customer feedback, and market trends.This analysis can provide valuable insights into where you should focus your efforts in 2025.Updating your SWOT analysis (Strengths, Weaknesses, Opportunities, Threats) can be particularly useful.Understanding your business’s strengths and weaknesses, as well as the opportunities and threats it faces, will also help you develop a strategic plan for the new year.Engage Your TeamIf you have employees, involve them in the planning process.Engaging your team in discussions about the future can provide new perspectives and ideas.You can start by sounding them out before the break, gathering their thoughts and suggestions.Alternatively, you can include them in the planning process after the holiday, ideally in the first week back.This allows you to think things through yourself before presenting a more concrete plan.Involving your team not only boosts morale but also fosters a sense of ownership and motivation among your staff.A motivated team is essential for achieving your business goals.Be OrganisedOrganisation is key to a smooth transition into the new year.Ensure your financial records are up-to-date, review your progress against the budget, and start thinking ahead to the next financial year, which for many will be just three months away.(And before you head off to the beach, just double check to make sure you are going to get through Christmas and New Year safely, cashflow wise).Set Personal GoalsFinally, set personal goals alongside your business objectives.Aim to enter 2025 with renewed energy and focus, both in your personal life and business activities.Personal goals could include spending more time with family, improving your health, or learning a new skill.Balancing personal and professional goals will help you maintain a healthy work-life balance, which is essential for long-term success.By following these tips, you can make the most of the holiday season while setting the stage for a prosperous 2025.Enjoy the festive break, recharge your batteries, and come back ready to tackle the new year with enthusiasm and a clear plan.Merry Christmas everyone – and here’s to a prosperous New Year!