With the current Oil crisis making it hard for kiwis to afford essential pest control services, ACES is freezing prices until July 31st 2026.

Further we are now offering Mastercard and Visa for payment using Apple pay or Google pay surcharge FREE.

This to help kiwi families and businesses afford pest control services during these difficult economic times.

Bungy jumping is completely safe when operated by professionals like AJ Hackett Bungy New Zealand. Every jump is guided by strict safety standards, trained Jumpmasters, and daily equipment checks to ensure everything is carefully controlled from start to finish.

It’s natural to ask about safety before you jump. Like any active sport, minor bumps or bruises can happen, but serious injuries are extremely rare thanks to strict systems, weather monitoring, and independent inspections.

Jump operator Sam answers common safety questions every day, helping jumpers feel confident before they take the leap.

Read the full article: Is Bungy Jumping Safe? Everything You Need to Know Before You Leap

Since opening its doors in 1971, Hillcrest Spinal has remained a constant in the Waikato health landscape. Founded by Dr Allen Elley, the clinic was among the first chiropractic practices in the region, setting an early benchmark for hands-on, patient-focused care.

At a time when chiropractic treatment was still gaining recognition locally, Dr Elley established a practice grounded in results. His approach was simple and practical. Understand the cause of pain, restore movement, and help patients return to normal life as quickly as possible. That foundation shaped not only the clinic’s early success, but its long-term reputation across generations of patients.

Over the decades, Hillcrest Spinal has been carefully passed on, each owner building on what came before while preserving the core philosophy. Today, the clinic is led by Dr Sarkaw Randhawa, who became the third owner in 2016.

The transition between the original founder and current leadership is part of what makes the clinic’s story distinctive. Dr Elley continued practising alongside Dr Randhawa until his retirement just before turning 80, ensuring continuity of care and a seamless handover of knowledge and experience.

Under Dr Randhawa, Hillcrest Spinal has evolved while staying true to its roots. The clinic continues to focus on diagnosing and treating spinal conditions such as back pain, neck pain, headaches, and postural issues, with an emphasis on restoring movement and preventing recurrence.

What remains unchanged is the philosophy behind the care. Treatment is designed to be effective, efficient, and grounded in evidence. Patients are not just treated, but educated, with a strong focus on helping them understand their condition and take control of their long-term health.

More than 50 years on, Hillcrest Spinal stands as more than a clinic. It represents continuity in a fast-changing healthcare environment. A place where experience is passed down, not lost. Where modern methods are built on proven foundations.

From Dr Allen Elley’s original vision to Dr Sarkaw Randhawa’s ongoing leadership, Hillcrest Spinal continues to do what it has always done.

Deliver care that works.

Contact Hillcrest Spinal:

Phone 07 856 6442

info@hillcrestspinal.co.nz

021 100 7363

Neck or back pain?

Contact MediaPA

027 458 7724

phillip@mediapa.co.nz

Gold’s role has not changed. It remains one of the world’s most trusted stores of value. What has changed is the need to buy gold through the right channels.

That matters because counterfeit bullion is becoming more sophisticated. “In 2019, more than 1,000 counterfeit gold bars worth over US$50 million were discovered in vaults around the world”, according to the LBMA. These were not crude imitations; they carried forged refinery stamps, matched expected weight and assay details, and some even appeared to show very high purity on the surface.

“The reality is that some counterfeit bullion now looks far more credible than people expect,” says Tony Coleman, Managing Director of New Zealand Gold Merchants. “That shouldn’t put buyers off gold, but it should remind them to place real value on provenance and trust.”

A market strong enough to attract counterfeits

There is an important distinction here. Counterfeit risk is not a reason to distrust gold. If anything, it reflects gold’s enduring value. High-demand, high-value markets always attract opportunists.

That is why major industry bodies are now putting more emphasis on traceability and bar integrity. In January 2025, the LBMA launched its Gold Bar Integrity Database, and in October 2025 Reuters reported that data submission to the platform will become mandatory for LBMA-accredited refiners from 2027. The goal is straightforward: more transparency, stronger traceability, and more trust in the bars underpinning the global market.

That is the real story. The market is not ignoring the issue. It is responding to it.

Why this matters for investors

For most buyers, the risk is not gold itself. It is poor provenance.

A bar bought from a reputable bullion merchant is very different from a bar bought through an informal seller, a private listing, or an online marketplace offering a price that seems too good to be true. Australian refiner Perth Mint has publicly warned that it has seen an increase in counterfeit bars and coins using its branding and packaging, and advises buyers to avoid private or unverified online listings. It also notes that even experienced investors can be caught out.

“Here in New Zealand, what investors are really paying for is confidence,” says Coleman. “Not just in the metal itself, but in its authenticity, its origin, and its ability to be resold with certainty.”

That is especially important for new buyers. Gold should feel reassuring, not uncertain. If the source is right, bullion remains exactly what many investors want it to be: a tangible asset with enduring value.

The good news: the industry is responding

This is the part often missed in articles about counterfeits. Yes, the risk exists, but so do the safeguards.

The bullion industry already has strong frameworks around recognised refiners, testing, chain of custody and dealer reputation. New Zealand Gold Merchants use XRF testing capability not to jeopardise their business by handling suspect products.

So the message for investors is not “be afraid”. It is “buy with discipline”.

“For most buyers, the answer is not to become an expert in counterfeit detection,” says Coleman. “It is to deal with people who already have the systems, testing, and experience in place.”

How to buy bullion with confidence

If you are buying physical gold, the basics still matter most:

• buy from an established bullion merchant
• be cautious of unusually low prices
• avoid unverified private sellers
• make sure the product can be properly authenticated
• value trust and process as much as price

That approach keeps the issue in perspective. Counterfeit bullion is a real risk, but it is also a manageable one. And it should not put thoughtful buyers off owning gold.

“For new buyers especially, bullion should feel straightforward and reassuring,” says Coleman. “A well-bought piece of gold should give you peace of mind from day one.”

Gold has protected wealth for generations. That has not changed. What matters today is making sure the product in your hand is every bit as sound as the investment decision behind it.

Blinds do more than enhance your interiors. They can also help improve comfort and energy efficiency at home. By reducing heat loss in winter and limiting heat gain in summer, well fitted blinds add an extra layer of insulation at your windows.

Quick selection tips:

• Choose thicker or blockout fabrics: Helps reduce heat transfer through windows
• Opt for well fitted designs: Minimises gaps where air can escape or enter
• Consider layered styles: Adds extra insulation and improves thermal control
• Match blind type to room use: Focus on comfort in living areas and bedrooms
• Focus on proper installation: Ensures maximum performance and efficiency

Blinds work best when combined with good fitting and thoughtful material choice, helping you maintain a more comfortable indoor temperature throughout the year.

Read the full guide here: Energy Efficiency and How Blinds Help Insulate Your Home

Choosing the right blinds for your home is about more than just looks. The right choice can improve comfort, enhance interior style, and provide better control over light and privacy in every room.

Quick selection tips:

• Match the room style: Roller blinds suit modern spaces, Roman blinds add warmth, and shutters create a timeless finish
• Choose the right fabric: Light-filtering for soft natural light, blockout for bedrooms and media rooms
• Consider moisture exposure: Use durable, moisture-resistant materials in kitchens and bathrooms
• Prioritise privacy and light balance: Select designs that offer both comfort and visibility control
• Think long-term use: Motorised or easy-to-operate options improve everyday convenience

For the best outcome, professional guidance and installation can help ensure your blinds are correctly fitted and tailored to each space.

Read the full guide here: Guide to Matching Blinds with Different Interior Styles

Across global markets, businesses are facing increasing uncertainty around traditional fuel sources. Energy price volatility, supply chain disruptions, and tightening emissions regulations are making long-term planning more challenging for industrial and commercial operators.

For organisations relying on thermal heating processes, these shifts can directly impact operating costs, reliability, and future energy security.

As a result, many industries are reassessing their heating and energy strategies, with a stronger focus on efficiency, resilience, and sustainability.

Pressure on traditional fuel systems

Conventional fuels such as coal, oil, and gas continue to face price fluctuations and supply risks influenced by global events and regulatory change, alongside growing carbon reduction expectations.

Moving toward future-ready solutions

Businesses are increasingly exploring alternatives such as biomass systems, electrified heating, and heat pump technologies to improve stability, efficiency, and long-term energy planning.

Read the full article to learn how evolving energy strategies are shaping the future of industrial heating.

Below, Co-Founder Ravinder Singh of Greenhorn NZ shares insights into his background, the journey behind the brand, and the inspiration for Mango Blast.

1. Can you tell us a little about your background and how you got started in the beverage industry?

“I hold an MBA in Marketing and have over 20 years of experience in the retail sector. My career has been deeply integrated with the beverage industry, where I gained extensive experience launching major brands such as Johnnie Walker. This background taught me how to adapt quickly to evolving consumer tastes and preferences, ultimately inspiring my dream to globalise Greenhorn and share it with the world.”

2. What inspired you to create Greenhorn NZ and, specifically, Mango Blast?

“Like any passionate business owner, my goal with Greenhorn NZ is to grow the market by offering something people already love. Mango Blast was inspired by the global popularity of mango, it’s a flavour that appeals to almost everyone and has strong potential in New Zealand. I saw a gap in the market, as this kind of product isn’t widely available here, especially using natural, organic fruit instead of concentrates. So the idea was to meet that demand, give consumers more variety, and introduce a fresh, high-quality option to the market.”

3. Were there any early challenges you had to overcome when starting the brand?

“Like any startup, we faced a number of early challenges, taking risks always comes with uncertainty. One of the biggest was adapting to the New Zealand palate and making sure our flavours matched local consumer preferences. At the same time, we were trying to diversify our product range while entering a highly competitive market. Growing a business from a small base is never easy, especially with fast-changing demand and the need to keep up with trends and algorithms that influence visibility. We had to stay flexible, constantly adapt to consumer tastes, and respond quickly to what the market was asking for.”

4. How do you ensure Greenhorn products are suited to the Kiwi palate?

“We make sure our products are suited to the Kiwi palate by focusing entirely on local preferences. Everything is developed specifically for New Zealand tastes through continuous questioning, research, and extensive sampling. We’ve gathered feedback from over 25,000+ people, which helps us refine our products and ensure they truly match what Kiwi consumers enjoy.”

5. What makes Mango Blast different from other drinks on the market?

“What makes Mango Blast different is its natural benefits and authentic flavour. It’s rich in antioxidants and vitamins like C and A, which support skin health and digestion. Unlike many drinks, it’s not seasonal, you can enjoy it anytime. Most importantly, it delivers a real, natural fruit flavour experience, which is hard to find in many drinks in New Zealand, and that’s what truly makes Mango Blast stand out.”

6. What values or principles guide your approach to creating new products?

“Our approach to creating new products is guided by a strong commitment to quality and delivering a premium experience. At Greenhorn, we never compromise on the standard of our ingredients, everything we use is carefully selected to ensure it meets high-quality benchmarks.

Beyond that, we focus on authenticity, using natural ingredients to create genuine flavours, and putting the consumer first by continuously listening to feedback. Innovation is also key, we aim to bring something fresh and unique to the market while staying consistent and reliable. Overall, our goal is to create products that not only taste great but offer a memorable, high-quality experience every time.”

7. What health benefits can consumers expect from Mango Blast?

“Consumers can expect several natural health benefits from Mango Blast. It’s rich in antioxidants and vitamins like C and A, which help support skin health and give a natural glow. It also aids digestion, thanks to the natural properties of mango. Overall, it’s a refreshing drink that not only tastes great but also offers added nutritional value from real fruit.”

8. Why did you decide to focus on natural ingredients and no concentrates?

“We chose to focus on natural ingredients and avoid concentrates because they align with our values of quality and premiumness. Concentrates don’t offer the same health benefits or authentic taste, and we believe in providing the best possible product. Using real, natural ingredients allows consumers to experience true fruit flavours while also delivering better value to New Zealand customers. It’s about offering a product that reflects our commitment to both quality and a superior, more natural experience.”

9. Where do you see Greenhorn in the next five years?

“In the next five years, we see Greenhorn growing beyond New Zealand and expanding into global markets. Our goal is to build a strong international presence and work towards becoming a leading, number one brand in the beverage industry.

Along the way, we aim to broaden our product range, continue innovating with high-quality, natural ingredients, and strengthen our brand identity. We also want to build strong partnerships, scale our production, and stay closely connected to consumer needs, so we can keep delivering premium products while growing sustainably.”

10. How do you hope Mango Blast impacts the lives of those who drink it?

“We hope Mango Blast inspires people to choose higher-quality, organic drinks that are genuinely good for them. By offering a delicious, natural alternative, we want to help shift consumer preferences toward healthier options. Beyond taste, Mango Blast provides antioxidants and vitamins C and A, supporting skin health and digestion, so it’s not just enjoyable, it contributes to overall well-being. Ultimately, we want our drink to be recognised as a premium, beneficial product that people can feel good about choosing.”

11. Are there any upcoming initiatives, events, or launches you’re particularly excited about?

“We’re really excited about the initiatives and events we’ve been part of. We recently participated in CreatorCon and The Food Show, which generated strong engagement and gave people a chance to sample Mango Blast, helping build early awareness and positive feedback, especially among younger consumers and families.

We’ve also partnered with major national platforms like Miss New Zealand World and Miss Teenager Universe New Zealand 2026, giving us a chance to showcase our brand to highly engaged audiences. On top of that, we’re active in campaigns, collaborations with popular singers, and growing our online and social media presence, all of which help strengthen Greenhorn’s visibility and connect with our community.”

12. Outside of Greenhorn, what drives you or inspires you personally?

“Personally, I’m driven by the vision of creating a proud New Zealand-made product that gains global recognition. I’m inspired by the idea of building a successful beverage brand from the ground up, and using that success to give back, planning to redistribute 10% of profits to support the New Zealand community. It’s about combining personal achievement with making a positive impact locally and showcasing the best of New Zealand to the world.”

13. Do you have any memorable moments or stories from creating Mango Blast that you’d like to share?

“One of the most memorable experiences creating Mango Blast was traveling overseas to source the best mangoes, including trips to India and Thailand. Tasting different varieties and seeing how each one could influence the flavour was eye-opening. It was amazing to discover new perspectives and opinions on mango, and now that same fresh, perishable fruit is infused into every can of Mango Blast. That journey really reinforced the quality and authenticity we wanted in the final product.”

Conclusion

Greenhorn NZ continues to focus on quality, natural ingredients, and consumer-led innovation. As outlined by Co-Founder Ravinder Singh, Mango Blast reflects a commitment to delivering a premium, authentic beverage while building a brand with both local impact and global ambition.

Contact Green Horn NZ

https://greenhorn.club/pages/contact

+642774 7337

info@dmgroupglobal.com

Contact MediaPA

027 458 7724

phillip@mediapa.co.nz

Managing your finances can be tough, especially if you have a mortgage, KiwiSaver, and future plans to think about. Whether you’re buying property in Christchurch, starting a family, or planning for retirement, it’s important to choose a reliable financial advisers in Christchurch.

So, how can you tell the real experts from those just trying to make a sale?

New regulations have made New Zealand’s financial advice industry safer for consumers. However, finding the right adviser still takes some research. Here’s what you should know to find a trustworthy financial adviser in Christchurch.

You can hire an adviser from anywhere in New Zealand, but working with someone local to Canterbury has real advantages. Local advisers know the Christchurch housing market, business trends, and insurance issues that came up after the earthquakes. Many people also prefer meeting in person.

Understanding New Zealand’s Financial Regulations

Before you start looking for advisers, it’s important to know what makes someone qualified in New Zealand.

In 2021, the government brought in new rules through the Financial Services Legislation Amendment Act. Now, the Financial Markets Authority (FMA) closely oversees the industry. Every adviser must either hold, or work for someone who holds, a Financial Advice Provider (FAP) licence from the FMA.
The FSPR: All legitimate advisers must be registered on the public Financial Service Providers Register (FSPR).

The Code of Conduct: Advisers are legally obligated to put your interests first, treat you fairly, and only give advice in areas where they have proven competence and skill.

Step-by-Step: How to Find the Right Adviser

1. Identify Your Financial advisers have different areas of expertise.

Before you reach out, think about what you need help with—whether it’s your mortgage, insurance, KiwiSaver, or planning for retirement.

2. Search Reputable Networks

Don’t just do a quick online search. Use trusted sources to start your search:
Financial Advice NZ: Use their website Directory to filter professionals by Christchurch area and expertise.

Personal Referrals: Ask friends, family, or colleagues in Christchurch who they use, but remember that their financial goals might differ from yours.

3. Check the Register

After narrowing your list, check the Financial Service Providers Register on the Companies Office website. If they aren't listed, move on.

4. Set Up Introductory Meetings

Most good advisers offer a free first meeting. Treat it like a job interview; you are choosing someone to protect your money.

The Golden Questions to Ask a Prospective Adviser
When meeting a potential adviser, use this list of questions. A trustworthy professional will answer clearly.

Are you licensed under the FMA? (Confirm they are operating legally under an FAP).

Are you independent? (Find out if they select products from the whole market, or if they are tied to specific banks or insurance companies.

How do you get paid? (This is crucial. Do you pay them a transparent, set fee for their time? Or do they earn a commission from the product providers they recommend? If they earn a commission, ask how they manage that conflict of interest.

What are your qualifications? (Look for NZ certificates in Financial Services or international CFP qualifications.)

What happens if I want to leave? (Ask if there are any exit fees or clawback charges if you cancel a policy or move your investments later.

The Ultimate Guide to Hiring a Reliable Financial Adviser in Christchurch

Even with strong regulations, it’s important to trust your instincts. Be very careful if an adviser shows any of these signs: No legitimate financial professional will ever promise or guarantee a specific investment return. Markets always carry risk.

Pressures you to act quickly: Good advice never involves high pressure or urgency.n: A great adviser's primaUses confusing jargon: A great adviser’s main job is to explain things clearly. If they can’t describe their strategy in plain English, they may not be the right choice. The recommendations you receive should be documented in a written Statement of Advice that clearly outlines the scope of their service and why the recommendations suit your goals.

The Bottom Line

Finding a reliable financial adviser in Christchurch takes time and research. Choose someone who helps you feel confident about your money. By checking the FSPR, asking clear questions about fees, and looking for local experience, you can build a financial plan that works for you.

If you want help setting specific financial goals before reaching out to advisers, or if you’d like a simple explanation of how different fee structures work, just let me know.

Turua Gallery is proud to present Vintage, a highly anticipated solo exhibition by celebrated New Zealand artist Jody Hope Gibbons, opening from 5pm on Friday 15 May and running through to 27 May.
This deeply personal exhibition offers collectors and art lovers a rare opportunity to experience The Jody Hope Gibbons Archival Collection — a curated body of works spanning decades of the artist’s practice. Featuring pieces held closely by the artist for years, Vintage traces the evolution of Gibbons’ signature style, while revealing the enduring threads that connect her work across time.
One of the original artists to join Turua Gallery, Gibbons has long been a favourite among collectors — many of whom credit her work as their very first art purchase. Others have followed her journey for years, building collections that reflect her dynamic evolution while retaining the unmistakable essence of her practice.
“We often say Jody is a master with colour, but she is equally a master of texture, layering and subtle detail,” says Turua Gallery owner Liss Wallace. “Vintage is incredibly special — it’s not just an exhibition, it’s a window into an artist’s life and creative journey. These are works she has lived with, loved, and, in many cases, held onto for years.”
Visitors to the exhibition will also experience a unique gallery setting, with a selection of Gibbons’ personal vintage collection — including rugs, chairs and found objects — thoughtfully incorporated into the exhibition design. An avid collector, Gibbons draws significant inspiration from these pieces.
“They really do influence my work,” she explains. “Old worn surfaces, the patina, the layers of colour and history — they all inform what I’m creating. Sometimes I’ll find something in a vintage store, and later you’ll see that colour palette appear in a painting.”
Known for her richly layered works that span abstract painterly forms, contemporary landscapes and assemblage, Gibbons’ practice is driven by an innate and lifelong need to create.
“I have to paint. I can’t imagine a time when I won’t,” she says. “It’s not a chore, it’s a choice — something I need to do.”
That drive has been present since childhood. Gibbons recalls being unable to leave the art table at kindergarten, preferring to create rather than play outside — an instinct that has shaped a lifelong career defined by dedication, curiosity and continuous evolution.
Her work has never stood still. Instead, it has developed organically over time.
“It’s evolved naturally,” she says. “There’s an underlying thread through the work — even as it changes, it’s still me. I can’t stay still, I just keep moving forward.”
Vintage also offers insight into the artist’s process, revealing the depth behind works that may, at first glance, appear spontaneous.
“These works are not a happy accident,” Gibbons explains. “There’s composition, structure, proportion — layers and marks underneath that give the painting its depth. There’s a lot going on beneath the surface.”
While the exhibition celebrates her career, it also comes with a sense of vulnerability.
“You’re putting a part of yourself out there,” she says. “It doesn’t get easier — there’s always that feeling of exposure.”
Adding to the emotional weight of the show is the fact that many of the works on display are personal favourites, pieces that have lived in her home and studio for years.
“It will be exciting, but also a bit sad,” she admits. “Some of these works have been part of my everyday life for a long time.”
Despite the nerves, Vintage promises to be a standout exhibition — a rare and intimate look at one of New Zealand’s most beloved contemporary artists, and a celebration of a career defined by passion, persistence and an unwavering commitment to making.
Gibbons’ work is held in private collections across New Zealand and internationally. Her previous solo exhibition with Turua Gallery in 2021 sold out online, despite being held during pandemic restrictions.
With strong demand already building, collectors are encouraged to register their interest with Liss on melissa@turuagallery.co.nz ahead of the presale on Thursday 14 May.

Exhibition Details:
Vintage – The Jody Hope Gibbons Archival Collection
Opening: 5pm, Friday 15 May
Exhibition Dates: 15 – 27 May
Location: Turua Gallery, 10 A Turua Gallery, St Heliers, Auckland

About Turua Gallery
Turua Gallery is dedicated to making contemporary art accessible within a welcoming and relaxed environment. Representing both established and emerging New Zealand artists, the gallery presents a curated programme of solo and group exhibitions that prioritise emotional connection, craftsmanship and storytelling.
Alongside original paintings, Turua Gallery also showcases limited-edition prints, sculptures and ceramics, celebrating the breadth of artistic talent across Aotearoa New Zealand.
turuagallery.co.nz
@turuagallery
 
 

Finance: The NZ dollar firmed against the US $ & the Euro over the week but is struggling against the Australian $ being well down on recent years. Brent Crude has eased. It is currently $90.74/barrel, but ranges over the day varying up to $US10 in a 24 hr period.

Wool: The wool prices continue to firm with the growing optimism in the coarse wool market.

Beef, Sheep & Venison schedules: The meat schedules are steady for the coming week & there is good grass cover across most of the country. Yard prices are strong and especially strong for well-presented stock.

Dairy Prices. The farmers are cautiously optimistic anticipating a $10/kg payout for the 25/26 season and expecting at least $10 for the 26/27 season. The Iranian war is causing some concern as a lot of product goes to the Middle East via the Persian Gulf & the Red Sea.

The Fonterra suppliers have received some large payments over the last week & the community are using the “Rich Farmers” label again. Make sure it is used wisely and debt reduction must be high on the list as the lesser debt becomes a gift that “keeps on giving” The annual interest savings can go on for years adding to the bottom line each year.

Jim’s Weekly Rant:

I was preparing a similar piece when I found this & there was no way I could write it as well as written here!!!

Bruce Cotteril’s piece in the NZ herald on 11th April is a must read. I have copied it below

Oil crisis: Why New Zealand needs a ‘kamikaze Cabinet’ to fix the economy by Bruce Cotterill | Apr 13, 2026

We’re getting ourselves quite worked up about oil prices. And it’s probably fair.

Despite three decades of climate mumbo jumbo warning us that we need to abandon fossil fuels for the sake of the planet, the events of the last few weeks have highlighted that we’ve made little such progress and we are still heavily reliant on the black stuff. We’ve seen a little bit of panic buying, thankfully not too much. The odd gas station has run out. But it hasn’t been too bad. The national airline is cutting flights and ferry services have been curtailed. I heard this week that an earthmoving firm had parked up their machines. Not because they’ve run out of work. But because the price of diesel makes running them uneconomical for the time being.

Donald Trump’s on-again off-again approach to the war in the Middle East is creating massive uncertainty across the world. The financial markets are experiencing substantive swings, after – and sometimes before – every announcement. Entire economies are hanging on every press conference. Even our bulletproof mates across the ditch are looking wobbly.

For us, the timing couldn’t be worse. But the can-do has seemingly become the can’t do. And we’ve run out of places to hide. Our national balance sheet is overburdened by debt. When times were good we underinvested in infrastructure and the result is that our bridges, roads and hospitals are all less than we need. Our exchange rate will tell you that our purchasing power in the international marketplace is at least 20% less than it was just a few short years ago. It’s great for our exporters. But it’s a double whammy when you’re buying increasingly expensive oil with a weak dollar.

What we didn’t need was an oil crisis. Not now.

It’s easy to blame Trump. Perhaps you’d prefer to blame Israel. But that’s not going to help us.

Here’s the thing that no one is talking about. The oil crisis has brought a stark realisation into the sharpest of focus. It has highlighted just how ill-equipped New Zealand has become. So we need to help ourselves. We need to build resilience in our economy where there is currently none. Helping ourselves means making some tough decisions. We’ve proven not to be good at that. As former Government minister Nick Smith recently said in a Facebook post, “Government is easy and fun when the coffers are full and there are the funds to expand services or take less in taxes.” But the coffers aren’t full. The debt is too high. The tax grab is already as high as people can afford. And right now, being in government isn’t easy anywhere. Our problems start with the size of our Government. Simply put, it is costing us too much to run the country. Here’s a couple of facts. For the year ended June 30, 2024, New Zealand’s total government expenditure reached $180.1 billion, or 44% of GDP. On the other side of our nation’s profit and loss, the total tax collections hit $115.4b or 28%.

It’s not that we’re collecting too little tax. The problem is that we’re spending too much money. That shortfall is primarily met by increasing debt. In a sense we’re no different to a struggling small business or even a household. We have two choices. Increase revenue or cut spending. To be fair, the current Government sees this and they’ve focused on growing the economy. As positive as it is to hear the Prime Ministerial passion for “growing the size of the pie” through better trade outcomes and increased productivity, that takes time and it’s likely not enough. Besides, it’s no good growing the income if all the additional revenues go down the drain labelled “wasted government spending”. Simply put, if we are going to rebuild the resilience in the economy, in a reasonable timeframe, we have to get the national cost base down to a level that enables us to deliver surpluses, repay some debt, and start investing again. There’s an old saying that’s trotted out whenever there’s major economic upheaval. It says “never waste a crisis”. If ever there was a time for that saying to become a mission, this is it.

Kamikaze Cabinet

We need a kamikaze Cabinet. A collection of highly capable Government ministers who care more about fixing the place than they do their re-election chances. Because we need optimal decisions, rather than decision-making on the back of the politics of compromise. A kamikaze Cabinet should only need three years and some clear plans. Here’s a few ideas to get them started.

The last time I looked we had 41 government departments. Singapore has 16. We have 78 government portfolios. We have to take a knife to the bureaucracy. Why not aim to cut 20% of our total government servants? Given that the last Labour-led Government put 16,000 additional people on, that should be achievable. We should aim to do so without impacting frontline education, healthcare or police workers and instead look to the nation’s back offices for savings. Look for technology and AI solutions to assist with productivity of those who remain. While we’re at it we should freeze government salaries for three years. This week’s release of the Taxpayers’ Union Bureaucrat Salary Leaderboard showed that public service salaries have increased by 21.4% over the last five years. Those salaries now run at $17,600 per year more than people in the private sector. It might sound harsh, but you have to remember something: we’re broke! Our government debt is growing by almost $60 million per day. Sooner or later someone has to stop the rot. When you drop people, you’ll also drop the costs they carry. Office rental is a massive cost. That goes down if you have fewer people. Flights is a big one. Meetings and associated catering is another. Meetings shouldn’t require more than eight people and they don’t always need coffee and morning tea. Meetings with 20 people or more are not meetings; they’re communication forums. They don’t need coffee or catering either. While we’re at it, we can’t afford to spend money on kūmara patches, whale noises or singing lessons for government employees either. Our kamikaze Cabinet should also do the stuff that countless governments have been afraid to do. The retirement age is one. From Treasury to those international credit agencies we increasingly fear, most observers will tell us that we can’t afford to continue with a retirement age of 65. We need to progressively push it up by two years every decade for the next 40 years. We’ll get a few grizzles, but our kids will have better futures as a result. Fortunately we’re a country that people want to come to. But we need to sort out immigration. The key focus should be on bringing in people whom we need, rather than people who want to come here. It should be a simple fix. But it needs someone with the nerve to make the call. And by the way, we need every Kiwi, including companies, trusts and tribes to pay their way. No more tax-free status or rates relief. We need all hands on deck. In fact, there are only two groups of people who shouldn’t be asked to front up. There are those who genuinely can’t help themselves. We have an obligation to do the best we can for those people. Secondly, retirees have paid their dues and many will rightly think that their lifetime of hard work should leave them better rewarded than they are. Elsewhere we need every person on board. Helping. Contributing. Capacity. Productivity. Cost reduction. Efficiency. Resilience. These should be the words we hear from our politicians in the lead-up to the election. But we won’t. Our current Government is slowly making progress. But I wish they were bolder. Those in Opposition have already decided that, if elected, they will return to borrowing, increasing taxes and spending more. You can probably guess how that will turn out. Sooner or later we have to stop digging the hole!

Announce Strategic Financing Partnership to Accelerate Franchise Growth Across New Zealand

DISTRIBUTION:  NZ Business Media | Franchise Directories | Internal Network

DATE:  15 April 2026    

LOCATION:  Auckland, New Zealand    

Premium Clean, a well-established cleaning company, has entered into a strategic financing partnership with MTF Finance, one of New Zealand's most trusted lending networks.

Premium Clean's partnership with MTF Finance aims to support franchisees by providing quick, tailored business loans, making their investment journey feel more achievable and valued.

The partnership creates a clear, structured pathway for prospective buyers interested in becoming Premium Clean franchise owners. It also removes one of the biggest barriers to starting a business. It shows Premium Clean’s commitment to helping partners grow with the right systems and support across New Zealand and Australia.

PARTNERSHIP OVERVIEW

Premium Clean operates through a structured franchise model to deliver commercial and residential cleaning services. All services are delivered in accordance with ISO-aligned compliance standards and a system-led operating framework.

As Premium Clean continues to expand its franchise network across New Zealand, access to practical, well-structured financing is becoming increasingly important. It gives new franchise partners the confidence to get started while also supporting stable, sustainable long-term growth.

MTF Finance, with a nationwide network of locally operated lending offices, provides small-business loans, finance leases, and business-vehicle loans tailored to the needs of New Zealand entrepreneurs and business owners. MTF Finance is rated 4.9 out of 5 across more than 11,000 customer reviews and is recognised as a top-rated finance provider on Trustpilot.

Under the partnership, prospective Premium Clean franchise partners will be connected directly with MTF Finance’s business lending team. From there, loan structures will be tailored to suit each partner’s investment level, entry costs, and working capital needs. The process is supported by MTF Finance’s ability to provide same-day approvals and a personalised, locally delivered service model.

LEADERSHIP COMMENTARY

"This partnership is about making it easier for people to step into franchise ownership. Premium Clean already has a proven system in place, and MTF Finance adds a practical way to support that with the right funding. Together, it opens up a more straightforward path for the right people to join the network with confidence."

— Sam Bhandari, Managing Director

KEY DETAILS OF THE PARTNERSHIP

Dedicated Referral Pathway: Premium Clean franchise candidates will be referred to MTF Finance's business lending team as part of a defined onboarding process.

Tailored Loan Structures: Business loans will be structured in alignment with Premium Clean's franchise investment framework to address entry fees, equipment, and initial operational capital.

Local Service Delivery: MTF Finance's nationwide office network ensures franchise candidates receive locally based financial guidance, regardless of geographic location.

Same-Day Approval Capability: Subject to Responsible Lending Checks: MTF Finance can often confirm loan approvals on the same day an application is submitted—helping reduce delays and keep the franchise recruitment process moving smoothly.

Trans-Tasman Scalability: While this partnership is designed to support Premium Clean's network growth across New Zealand, it also aims to leave room for further financing options across the borders.

ABOUT PREMIUM CLEAN FRANCHISE LIMITED

Premium Clean is a well-established cleaning service operating across New Zealand, delivering commercial and residential cleaning. ISO-aligned standards, IICRC-certified standards, technology-driven oversight, and a well-supported franchise network support all services.

Premium Clean serves domestic clients, commercial operators, and franchise partners under a unified delivery model. Core to the Premium Clean Standard is the principle that performance must be observable, measurable, and repeatable — independent of individual personality.

ABOUT MTF FINANCE

MTF Finance is one of New Zealand's most established and trusted lending networks, providing vehicle, personal, and business finance solutions through a nationwide network of locally operated franchise offices. MTF Finance offers small business loans, finance leases, operating leases, and business vehicle loans, with interest rates starting from 9.90% p.a. MTF Finance is rated 4.9 out of 5 by over 11,000 customers. It is recognised as a leading finance provider on Trustpilot.

Prospective franchise partners interested in learning more about the Premium Clean franchise opportunity and MTF Finance's tailored business lending solutions are invited to contact the Premium Clean franchise recruitment team.

Premium Clean  |  franchise@premiumclean.co.nz  |  www.premiumclean.co.nz

MTF Finance  |  www.mtf.co.nz  |  Find your local office at mtf.co.nz/contact

This press release is approved for distribution to New Zealand business media, national franchise directories, and the Premium Clean internal partner network. All loan approvals are subject to MTF Finance's responsible lending inquiries and assessment criteria.

Premium Clean. Clean Spaces. Structured Systems. Accountable People.

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