Firefighters return to out-of-control wildfire in Tongariro National Park

Source: Radio New Zealand

A huge amount of smoke obscures Tongariro as a wildfire continues to rage into Sunday morning.

A business owner says Tongariro National Park resembles a hellscape as a massive forest fire continues to burn.

Fire and Emergency (FENZ) said the blaze has swelled in size and is now estimated to be covering about 1000ha and remains out of control.

Skotel Alpine Resort owner Sam Clarkson said they had a grandstand view of the fire last night.

“It was like a hellscape, you know, welcome to Mordor, it really was.”

“Last night, there was quite a brisk westerly wind, which pushed the fire both east and northwards and the wall of flame was enormous… I would estimate some of those flames are 30m high.”

“It was hard to see across the flame to the far side, but any time we did, it was just this wall of orange that was at least 4km long and everything that the fire service were valiantly trying to throw at was achieving nothing.”

He said fortunately the fire was heading away from his hotel, progressing up the Mangatepopo Road towards the Tongariro Crossing.

This photo of the fire was captured before 9.30pm Saturday. Photo: Supplied

The the wind had since dropped along with a blanket of fog on Sunday morning, but rain was not forecast until Monday, Clarkson said.

“I watched, literally weeping as the fire went closer and closer and closer to the hill Pukeonake, which is a sensitive sub-alpine environment where the little communities of plant life all huddle together and live out their lives, and it just got toasted,” he said.

“It’s just an ecological disaster. There is no risk to people or structures, unless the wind really got up.”

Despite six weeks of rain, the fire has proven to be insatiable, he said.

“The park was utterly saturated and then it fined up about a week ago, and I think we’d only had seven or eight days of fine weather in a row after a good six weeks of solid rain and you would not think that it’s that tinder dry.”

“But you see, the predominant species in the park, at least on the flats, is tea tree, and tea tree is the most flammable native plant there is – once it’s off, it’s away.”

The community had rallied together in the face of the evacuation and closure of Tongariro National Park, he said.

View of the fire from Pipers Lodge, Waimarino National Park on Saturday. Photo: Supplied/David Golding

A total 43 hikers and a warden from Mangatepopo Hut were airlifted out in response to the fire according to the Department of Conservation.

“In fact, we ended up putting up those people and feeding them… we were part of the effort to look after everybody,” Clarkson said.

Firefighters from Taranaki and Manawatu-Wanganui were briefed on Sunday morning before beginning work on the second day of operations.

Assistant Commander Nick West said the fire service will have six fire trucks and five tankers on the fireground, supported by six helicopters and two fixed wing aircraft.

There are no reports of structures being damaged or destroyed and no residents were evacuated overnight.

West said it could take a full day of operations to bring the fire under control.

A number of helicopters with monsoon buckets and planes are fighting the blaze in Tongariro National Park. Photo: RNZ / Hamish Cardwell

The cause of the fire has not been established and a specialist wildfire investigator will be working on Sunday.

Residents in the area are being urged to stay alert to the fire, and keep doors and windows shut to minimise exposure to the smoke. Anyone who feels unsafe, or is vulnerable to smoke is encouraged to self-evacuate and stay with family or friends.

FENZ advises those to the north of the fire should go towards Turangi and those to the south of the fire should go towards National Park.

State Highway 47 Waimarino to Tongariro remains closed between the intersections with State Highway 48 and State Highway 46 with no detours available.

The Department of Conservation has closed the Tongariro Crossing and associated areas.

A no fly zone is in place covering the airspace over the fireground and surrounding area, so that firefighting aircraft are not endangered by other aircraft or drones.

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– Published by EveningReport.nz and AsiaPacificReport.nz MIL OSI in partnership with Radio New Zealand

Cirque du Soleil performer stretchered off stage after fall

Source: Radio New Zealand

A Cirque du Soleil performer was stretchered off stage after a fall on Saturday. Photo: RNZ / Kymberlee Fernandes

A person in the audience at an Auckland performance of Cirque du Soleil on Saturday afternoon says everyone fell silent, when a performer fell several metres to the ground.

Joy Marshall said 6-8 acrobats were executing a bar routine, when one plunged onto the safety mat.

Marshall was at the show with her daughter and a friend from school, and her mother.

She said they enjoyed the first part of the show, and the second half involved acrobats doing a routine on the high bars, including flips.

However, one of the performers plunged 2-3 metres onto the mat, landing flat on his stomach. She said he tried to get up, but collapsed.

Several people surrounded him and paramedics came onto the scene. Black sheets were put up for privacy from the audience.

The performer was taken to hospital and his condition is not known.

The show was stopped for about 20 minutes, as medics attended to the performer, before they were stretchered off the stage.

Marshall said one person in the audience stood up and urged Christians in the crowd to join him in prayer.

“It was quite a brave and beautiful moment.”

The performer was taken to hospital, but it’s not known how seriously injured he is.

Messages on the loud speaker asked people to remain seated and that the show would continue.

Marshall said the next sequence was fairly short, involving the main character riding across the arena on his bicycle, with the other characters farewelling him below.

“They all took their bows and that was the end of the show.”

The show, Corteo, is playing at Spark Arena until 9 November.

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English exam asks students to write about long-haired boy being bullied, forced to drop pants

Source: Radio New Zealand

The exam booklet asked the students to “analyse significant aspects of unfamiliar written text(s) through close reading, supported by evidence”. Photo: Supplied

NCEA level 2 English exams asked students to write about a boy with long hair being bullied and asked to pull down his pants to prove his gender.

The exam held on Thursday used a piece of “unfamiliar text” as part of the test for students to write about and make a literary analysis.

The exam booklet asked the students to “analyse significant aspects of unfamiliar written text(s) through close reading, supported by evidence”.

Students who took the exam said the text described the personal story of a boy with long hair who was bullied and asked to show his genitals to prove that he was a boy as he was often confused for a girl.

“And I didn’t much like it when a few months after I started school a large year 3 boy ambushed me on my way home and ordered me to drop my pants to clear up his confusion,” the text read.

A student and teacher spoken to by RNZ said the text made them feel very uncomfortable.

One year 12 student said they decided to pick a different option to write about because it did not feel appropriate.

Cover of the 2025 NCEA level 2 English exam. Photo: Supplied

One parent said it was particularly concerning that it might upset people in the exam who have a history of sexual abuse.

“For them to present this question in an exam setting, without knowing the triggers it raises in some children sitting that exam, it’s unbelievable. It’s throwing it in their faces, in one of the most stressful times they have in their schooling.

“Every kid I’ve asked so far has said they felt awkward so they skipped that one. Thinking of how many children skipped that question today, because they’ve been forced to pull their pants down, it absolutely breaks my heart.”

She said she understood you can’t protect children from everything, but NCEA should have done better than this.

“They’ve failed the kids on this one.”

Another was worried about what impact it might have on teenagers who were experiencing confusion around gender identity.

The prose is an excerpt from a memoir by Adam Dudding called My Father’s Island: A Memoir based on his father and their relationship.

NZQA deputy chief executive of assessment Jann Marshall said the paper went through a sensitivity check, as all exam papers do.

“The passage is drawn from an age-appropriate text. The specific sentence of concern is contextually consistent with the broader passage.”

The spokesperson said, every year, there was a range of views about the suitability of different questions and use of different texts.

“The exam writers – including experienced subject teachers – thought it appropriate to use this passage, as students would relate well to the affirmation of a young person’s right to assert their own individuality.

“All exam papers undergo a sensitivity check, recognising that people’s experiences and views can vary widely. The exam did go through that process.”

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Thousands of sad Jelly Roll fans left shocked after Auckland cancellation

Source: Radio New Zealand

Thousands of people were gathered at Auckland’s Western Springs The Outer Oval on Saturday afternoon, when at 6pm it was announced over the loud speakers the headline act Jelly Roll would not be appearing.

The rapper singer songwriter announced the decision on his Instagram.

“Dear Auckland I’ve done everything I can,” he wrote, “I just can’t shake it.

Jelly Roll has cancelled at Western Springs The Outer Oval.

Serena Solomon/RNZ

“It breaks my heart, I’ve probably missed 3 shows in the last decade.

“I pride myself on showing up no matter what.

“Just couldn’t do it this time. Please forgive me.”

The Saturday show would have been the first time Jelly Roll had performed in New Zealand and was the only stop of his Down Under Tour in Aotearoa.

Live Nation firmed up the news in a statement about 6.20pm Saturday night.

“We regret to announce the Jelly Roll Down Under 2025 Tour tonight at The Outer Fields at Western Springs in Auckland will no longer go ahead due to illness,” a statement from Live Nation read.

“All ticket holders will receive an automatic full refund. For any further refund enquiries please contact your point of purchase.

“We thank the fans for their understanding, and we look forward to welcoming Jelly Roll in future.”

A fan of the rapper, Angie Smith, drove up in her Holden from the Waikato spending $188 on petrol with four other friends.

“I’m f….ed off, it’s annoying, they could have told us hours ago,” the 44-year-old told RNZ.

She said that she was looking forward to belting out the song ‘Save Me’.

Peter Wilson, 63, from Dunedin had flown in from seeing Metallica in Adelaide on 5 November, stopping to see Jelly Roll in Auckland on the way back to the South Island.

He had seen Jelly Roll in Las Vegas last year.

“We’d been gearing up for this all day. I’m in a bit of shock.”

Cindy Ramsey, from Orewa, was attending Jelly Roll with her son. It was a Father’s Day present to her from her 32-year-old son, they said.

“She raised me as a single mum so she gets Father’s Day and Mother’s Day,” said son, Shane Thomas.

Ramsey said she was “gutted” it had been cancelled at the last minute. She was most looking forward to belting out the song ‘I am not OK’.

“That’s my song right now,” she said.

“That’s our family’s song right now,” her son added.

Both mother and son are drawn to Jelly Roll’s story of redemption from crime and drugs.

“I was on a bender when I heard the song Sober. When I heard that I actually started to get sober,” Thomas told RNZ.

– Published by EveningReport.nz and AsiaPacificReport.nz MIL OSI in partnership with Radio New Zealand

Buildings that ‘drift’ less perform better in quakes, according to growing global consensus

Source: Radio New Zealand

In a Taiwan warehouse, researchers hit a button, and a five-storey, steel-and-concrete box begins to buck and sway.

That’s about the closest researchers can get to how the sort of multi-storey commonly constructed in New Zealand 9000km away might behave in a large earthquake.

The revelations from the work are now coming in.

“You know, partition walls, gypsum board that we use, windows, doors, even ceilings, which previously we thought would do worse in more robust buildings, we’re seeing all these components do much better,” said Santiago Pujol.

The Canterbury University civil engineering professor is used to finding things out – he won a top US award two years ago, looking into high-strength steel in reinforced concrete members, but the ceiling performance in the Taipei prototype tests surprised him.

“Yeah, that’s one of the things that we’ve sort of discovered here recently.”

There had been some research into this before, but it wasn’t systematic. Now it is.

The overall upshot of the New Zealand-Taiwan efforts is to solidify a growing global consensus that stiffer buildings that “drift” less perform better in quakes – opposite to the way New Zealand has built for many decades.

On top of that, they have shown it need not cost much, say, only 1-2 percent of the total building budget to make it stiffer.

“You want to maximise ability to deform and then you want to minimise deformation demand, if you will,” Pujol said in engineering-speak.

“It’s in that sense that we can improve things, if we make buildings more robust, closer to what they build in Chile and Japan.”

Japan had built this way for a century, since the Great Kantō Earthquake split Tokyo in 1923, and Chile since the 1930s.

“You know, some of these things take time to understand and professions adhere to different schools of thought.

“By now, it’s fairly clear the consensus – the worldwide consensus – is that we need more robust buildings.”

Santiago Pujol is a professor of civil engineering at Canterbury University. Photo: University of Canterbury

‘We could act a little faster’

The United States was going this way, and so too Türkiye, where they were trying to change the building code to avoid a repeat of the 2023 quake that killed over 40,000 people.

“I think we could act a little faster,” Pujol said of New Zealand. “The first thing we need to do is update our building standards to require more robustness.”

Those conversations were already happening with the Ministry of Business, Innovation and Employment that oversees the building code, he added.

“New Zealand does have good building codes that protect the lives of their occupants. What we’re talking about here is buildings that go beyond just life safety and try to ensure, again, functionality. It’s a different model.”

Hospitals were an example of buildings that needed to function fast after a shake.

Data provided by the Health Ministry in Chile to his team had shown stiffer hospitals there performed better.

He did not know the specifics about hospitals being built in New Zealand, but said he did know of several local companies already trying to build stiffer, more robust buildings.

“And by that I mean buildings that drift or sway less in earthquakes, because that’s going to minimise damage and allow us to go back into our buildings sooner after an earthquake.”

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‘Could’ve been catastrophic’: Arrests after fireworks shot into lawnmower shop

Source: Radio New Zealand

Two people have been arrested, after fireworks were fired into an Auckland lawnmower shop, injuring at least two people.

One of the explosions struck a customer in the neck during the incident on Friday morning and two people were taken to hospital, store staff said.

Six staff and seven customers were at Papakura Lawnmowers, when the explosions started.

Lee Webster was working, when he heard a loud bang.

“I didn’t know exactly what was going on – I looked up and there was a car that had pulled up just outside the shop. [The firework had] come through the front door and was going off inside.

“I just ducked for cover obviously, because these fireworks were still coming through the front door, and… as they stopped, I actually took off after the car to try and get the description for the police.”

Two people have been arrested and charged.

Store owner Michael Wards said the outcome could have been much worse.

“Towards a lawnmower shop of all places – with fuel and ignition sources – was horrendous.

“It could have been catastrophic, if they had… shot the firework at a bottle of oil or at a petrol container.”

Despite the shop still smelling like fireworks, Wards said it was lucky nothing caught alight.

“I don’t understand where their brain was at. Who would have thought, ‘Let’s shoot fireworks at 9.30 in the morning’ – I mean, ridiculous.”

Wards has been in contact with one of the injured people, who was discharged from hospital.

He called for a ban on individual sales of fireworks to prevent more people getting injured.

“Hopefully someone learns from their stupid mistake not to go and send fireworks in the direction of people.”

  • Explainer: Will New Zealand ever ban fireworks?
  • Fireworks were shot into a lawnmower shop at 9.30am on Friday Photo: Screenshot

    Fireworks aimed at maunga security guards

    In a separate incident, security guards protecting Auckland’s volcanic cones had fireworks aimed at them this week.

    For the past six years, the region’s 14 maunga have closed for four days during the first week of November, following serious fires caused by fireworks. The decision was made to close them again this year, with security guards on site at the entrances as well as carrying out foot patrols.

    Tupuna Maunga Authority chair Paul Majurey said there was strong public support for the closures, and the very real risk from fireworks-related fires reinforced the authority’s stance that the public sale of fireworks should be banned.

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Large fire in Tongariro National Park, call to avoid area

Source: Radio New Zealand

The blaze seen in Tongariro National Park, on Saturday. Photo: Supplied/ Liz Brooker

A large fire in the Central Plateau has triggered evacuations of trampers and caused the closure of a nearby highway, authorities say.

About 400 hectares of the Tongariro National Park was estimated to be on fire, Fire and Emergency NZ (FENZ) said shortly before 10pm Saturday.

The blaze remains uncontrolled and burning toward Mount Ngauruhoe, but it was too dangerous for firefighters to actively work on it through the night to stop it, FENZ assistant commander Nick West said.

Firefighters will instead monitor it overnight.

Thirteen fire crews from eight brigades were working at the scene earlier tonight. They were being supported by three helicopters carrying monsoon buckets, and one providing observations of the scene. However the aircraft were all stood down at nightfall, West said.

Trampers were airlifted from the Mangatepopo Hut on the Tongariro Alpine Crossing and a helicopter was checking the area for any remaining walkers on Saturday before nightfall.

As a precaution, 43 hikers and a hut warden were evacuated by helicopter, according to the Department of Conservation (DOC). No injuries had been reported.

“If people are aware of friends or family who were planning to be on the Tongariro Crossing or the general area of SH47 and the Maungatepopo Hut today, they should try to get in touch with them and confirm their whereabouts. If they are not able to make contact, please call 111 and advise the Police,” FENZ said.

Weather conditions were easing late on Saturday, but “but a wind shift is forecast around midnight, which will push the direction of the fire’s travel further to the north, in the direction of State Highway 46,” they said.

“Fire and Emergency is working closely with Police, Iwi and the Department of Conservation on the safety of people in the area.

“People living in the area should be alert to the fire and any advice from emergency services.”

State Highway 47 remains closed between SH48 and SH46, and motorists are being asked to avoid the area.

Just before 8pm, police said “motorists should turn around or delay travel, as there are no alternative routes in the immediate area”.

This photo of the fire was captured before 9:30pm Saturday. Photo: Supplied

The fire was first reported about 3.15pm Saturday, on State Highway 47, just north of the junction with SH48.

Through the afternoon there had been “a large build-up of traffic reported” on the highway, as the fire and firefighting efforts disrupted travel.

The Department of Conservation said both the Tongariro Alpine Crossing and the Northern Circuit were closed, and would remain closed on Sunday.

Firefighters began battling the vegetation fire on the Tongariro crossing during Saturday afternoon. Photo: RNZ / Hamish Cardwell

Earlier on Saturday evening, DOC Central North Island operations director Damian Coutts said the fire had not yet reached any tracks or huts, but the closures were a precaution, while firefighting continued.

“People are asked to stay away from the area,” Coutts said.

FENZ said it does not yet know how the blaze started.

The Tongariro fire has caused a build-up of traffic in the area. Photo: RNZ / Hamish Cardwell

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Body found after Hamilton fire

Source: Radio New Zealand

(File photo) Photo: RNZ / Nate McKinnon

Police say a body has been found, after a house fire in Hamilton East.

Emergency services rushed to the house fire on Wellington Street just after 6am Saturday.

“Sadly, a person was located deceased at the property,” police said.

A guard was on watch at the scene on Saturday evening, and police would work with Fire and Emergency NZ to uncover the circumstances.

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Foodie delight under mountain signals new lease of life

Source: Radio New Zealand

Mt Ruapehu from the Station Waimarino, formerly National Park.

Mt Ruapehu, the North Island’s highest spot, is a prominent feature from Waimarino, formerly National Park. Photo: supplied

Chef and barista Sam Wilson hopes the re-opening of his cafe in a rustic railway station flanked by Mt Ruapehu is a pointer to something good for a region suffering economic hardship.

He lives at nearby Kakahi, far from his old life in the city.

Now he’s fuelling hikers day-to-day and creating a meeting point for people in the Central Plateau.

“There’s been a great deal of loss in the region, with the Chateau closing and with a lot of the businesses closing in what was National Park,” Wilson said.

“The failure of the skifield and the timber mills closing, and then having us opening is something really positive.

“A lot of people have a lifelong association with the railway station and a deep fondness for that building, and that’s why it’s been so well received.”

Chef Sam Wilson plating up at his new cafe at Waimarino National Park.

Chef Sam Wilson adds a finishing touch. Photo: Sara McIntyre

Wilson’s Station Cafe is up and running after a full refurbishment.

Within the last week, the government has announced it will invest $10.8 million in tourism around the mountain to help the district.

The completion of Ruapehu’s cycle trail network is one of the council’s major economic development goals.

The latest funding is for two sections of the Mountains to Sea trail from the Tūroa Ski Area to Whanganui.

Once completed, both the Te Ara Mangawhero trail and Te Hangāruru trail, to the Last Spike, will be linked to the Mountains to Sea ride.

The completion of Ruapehu’s cycle trail network is one of Council’s major economic development objectives which will provide resilience to Ruapehu’s visitor sector while strengthening the regional tourism economy.

Cycling is seen in as a way of strengthening the regional economy with several trails to be linked into one great ride. Photo: supplied

The historic station, which dates to an era when engineers first linked Auckland and Wellington by train, sits exposed at 800 metres above sea level.

Located beside the National Park park and ride, the cafe is well placed for more than 100,000 hikers taking on the Tongariro Crossing each year.

With the cycleway developments, you’d expect more lycra-clad riders coming in.

“The crossing season started about a week ago, and we’ve started getting tired and exhausted looking… people in the afternoon, looking for a slice of cake and a coffee.”

Wilson was running the Milk and Honey cafe at Victoria University until he shifted north in the Covid lockdown.

Chef Sam Wilson at his new cafe at Waimarino/National Park in the historic railway station.

Sam Wilson at his new cafe The Station at Waimarino National Park. Photo: Sara McIntyre

He wasn’t put off by the gloomy local economy, when he decided to make a go of it.

Wanting to create something of quality for locals, he’s hit something of a sweet spot.

“People from places like Taumarunui, Ohakune, Tūrangi, people come from Taupo,” he said.

It’s not unusual to see gumboots by the door, as busy farmers drop in, or families holidaying in the area sit on the sofas and around the tables.

Re-elected Ruapehu Mayor Weston Kirton ticks the Taumarunui box as a resident there. He’s also a staunch supporter of heritage buildings.

“We were going down to an old school theatre down at Raetihi and we thought we’d have dinner at the Station,” Kirton said.

“We were delighted. National Park, Waimarino was developed around the railway of course.

“It’s got a lot of history and as the skifields developed, it made it more attractive to go there.”

The bigger prize for Kirton and many people around the country is to see the decaying Chateau Tongariro restored to its former glory.

The neo-Georgian Chateau was built to attract tourists to Tongariro National Park. Photo:

Kirton’s campaign to save the Chateau has taken another step forward.

Once the jewel in the crown, the district council submitted its petition calling for urgent government action earlier this month.

“We need a clear government pathway to resolve any hurdles, so investors can get on with the job,” Kirton said.

On the southern side of the mountain in nearby Ohakune, Bayleys real estate agent Jenny Dekker has seen all the highs and lows of the ski town.

Values had now fallen so far, there’s renewed interest from buyers, she said.

“Prices have dropped $100,000, so new people can come into the market,” Dekker said.

“I’m not selling rumpty old houses to first-home buyers – they’re beautiful and warm, and you’d be proud to own them. They’re great for the family.”

Dekker said there was a glimpse of increased activity among first-time buyers and downsizers, with people moving in from other regions.

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Am I paying too much in tax on foreign investments? – Ask Susan

Source: Radio New Zealand

Ask Susan Edmunds logo

RNZ’s money correspondent Susan Edmunds answers your questions. Photo: RNZ

Got questions? RNZ has launcheda new podcast, No Stupid Questions, with Susan Edmunds.

We’d love to hear more of your questions about money and the economy. You can send through written questions, like these ones, but even better, you can drop us a voice memo to our email questions@rnz.co.nz.

You can also sign up to RNZ’s new money newsletter, Money with Susan Edmunds.

I have recently started investing more seriously and have heard many positive things about the S&P500. However, from my research, I understand that if I invest directly into this fund, I will be liable for FIF tax once my portfolio exceeds $50,000 in value.

It is possible to invest in the S&P500 from a NZ domiciled fund within a PIE structure, and these are advertised as ‘taking care of the tax for you’ and keeping your tax rate to 28 percent or less depending on your earnings bracket.

My question is, isn’t the fund manager of the NZ domiciled fund still required to pay FIF tax, and as any cost is generally split over all the investors, and the combined value of the fund is way over $50k, isn’t FIF already triggered? So even if you had just started investing and had less than $50k invested in the S&P500 through the NZ domiciled fund, you would still proportionally have FIF tax deducted?

If this is correct, shouldn’t this be more transparent by the fund managers, as investors I know think they’re avoiding FIF altogether by investing in this type of PIE NZ domiciled fund and the funds note tax is deducted on your behalf, but there is no mention of FIF tax?

You are right that if you put more than $50,000 into certain types of foreign investments, you will be captured under the Foreign Investment Funds (FIF) regime. Under that level, you only pay tax on the income received.

New Zealand funds that invest in international shares such as the S&P500 index fund are subject to the regime without the $50,000 cap.

PIE fund are required to calculate their FIF tax using the fair dividend rate (FDR) method which means they work out what investors have to pay with a calculation of the investor’s prescribed investor tax rate on 5 percent of the average daily portfolio value.

If you are earning a higher income, you might find that the 28 percent cap on the PIR rate is a benefit.

Dean Anderson, founder of Kernel, said one of the reason he launched the shares and ETFs feature was to help navigate this.

“For some tax optimising investors, they could reduce their total tax costs by purchasing an offshore ETF or shares to the combined value of say $49,000, and then investments above that they start direct to a PIE structured fund.

“One thing investors need to be conscious of, is some broking platforms have a ‘money market’ fund for their wallet. This means that an investor may intend to purchase just under $50,000 in an investment, but then when those investments start to pay out dividends and they land in the money market fund it gets captured and counts towards their FIF threshold and they can be triggered over $50,000 and now have to calculate FIF tax on their entire portfolio.”

He said whether there was more tax to pay overall by investing offshore would depend on the investment.

“It is possible to have lower tax by buying offshore investments directly for the first $50,000. However, if the dividend yield was high then that may not be the case. Investors also need to consider the other costs of investing – including brokerage fees, foreign exchange fees…”

My mum and the rest of my family and I (two adults, two teens) are about to move to a new house with two units, and I’m looking for advice on the simplest way to run our bills banking-wise. We both bank with the same bank, which helps a little.

My husband and I will be solely responsible for the mortgage and our power is split by unit, but other than that we will be splitting 80/20 for rates, piped gas, broadband, insurances (house, contents, two cars), food box subscriptions, takeaways, and groceries. We will continue to share our main family meal each evening.

The two unpredictable values (per month) are groceries and gas costs. But I don’t want either us or mum to need to be adjusting the amount to put into a shared account each month. We need to pay for the subscription box by debit card, and would like to also be able to access the debit card-linked account for our streaming accounts.

Do we make the account we get paid into the bills account too? And get everything going out of that, with mum just paying a set amount per month into it, setting aside our regular spending money into a different account? But how do we budget for gas? Is there any predictable value we can put on this, allowing for peaks in winter?

I took your question to David Verry, at North Harbour Budgeting Service.

He said, for the regular expenses, a good way to work it out would be to use history to guestimate what you might each have to pay under your new structure.

“Take the last six – or 12, even better – months and work out what each expense cost and then work that out on a monthly basis for the mother’s contribution.

“Some expenses may also be set for the next six or 12 months – rates, insurances, broadband, possibly even the foodboxes – so these can be calculated with some accuracy. It’s the grocery costs that tend to move around a bit but averaging them out usually works out pretty well.

“Vehicles can be a bit tricky depending on who is paying for what – mother may be running her own vehicle – WOFs, regos and insurance can be calculated reasonably accurately. Petrol can be worked out by keeping a mileage log – I recall having to use a logbook when I was using the family vehicle and living at home. Repairs and maintenance are the biggest unknowns – I generally default to $400-$500 per year for this per vehicle.”

He said you would probably need to repeat the exercise regularly to ensure your budget was working once you were in your new place.

As for the account structure, he said it would need to be worked out so that it suited everyone without too much transferring going on.

Verry said he would generally recommend three accounts for households.

One would be a general or everyday account into which income was paid and from which weekly and fortnightly expenses were paid.

A monthly account would cover monthly bills, and you would transfer a set amount in each time you were paid to build up a buffer to cover these.

Then an annual account could be used to build a fund to cover yearly expenses.

“The general/everyday account then becomes the wash-up account. So, if a household has a budget surplus, what’s left over in this account can go into an interest-bearing savings account. It can act as an emergency fund too.

“Account structure is very family-dependent and what works best. For instance, in our household we put as much as we can on credit card but ensure we have sufficient to pay the balance owing off every month.”

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– Published by EveningReport.nz and AsiaPacificReport.nz, see: MIL OSI in partnership with Radio New Zealand