Kerre McIvor Mornings Podcast

There's a call for compulsory nationwide lifejacket use following the death of a 10-year-old boy in the Manukau Harbour. Ryder Ferregel and his mother, Gemma, died in November 2022 after a boat carrying five people capsized near Clarks Beach. They both drowned after hours of clinging to the overturned hull and even after reaching the relative safety of a sandbar. In Coroner Erin Woolley's findings, she says had the pair been wearing lifejackets, their chances of surviving would have significantly increased. Coastguard Regional Manager Jonny Bannister told Kerre Woodham it should absolutely be legislated for on a national level. He says that there's about eight different variations around the country as to what is required, but Coastguard New Zealand is actively campaigning to make it compulsory across the country. LISTEN ABOVE See omnystudio.com/listener for privacy information.

It's goodbye to the five-yearly Census from 2030, and hello to a smaller annual survey. They're changing things up, instead assessing a smaller chunk of the population yearly. Information people have already provided to Government departments will be used to inform the data, and Stats NZ says the changes will help provide more accurate and timely information. Population and Housing Statistics spokesperson Sean Broughton told Kerre Woodham the traditional approach to the Census is no longer sustainable. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Simeon Brown took the words right out of my mouth. I was just saying this very morning, that people living with bone-on-bone pain don't really care where their hip replacement is done or whether their knee is replaced in a private hospital or a public one. And there in the statement released from the Health Minister's Office is Simeon saying patients don't care who's delivering their surgery – they care about getting their hip, knee and cataract operations done. I think it's a common sentiment. I think most of us would feel this way. News this morning that Health New Zealand has been directed to give private hospitals 10-year outsourcing contracts to perform elective surgeries should come as good news for those on the waiting list. As Simeon Brown was talking to Francesca Rudkin about the 10,000 elective surgeries that had been performed, mostly in private hospitals, he gave a hint that the arrangement with private hospitals was likely to be formalised. “This is something that needs to continue to happen so that we can continue to reduce the number of people waiting for those surgeries. The waitlist ballooned over the last six years, that's unacceptable for patients. I'm committed to continuing to use both the public and private system to make sure we reduce that waitlist and ensure patients get seen in a timely manner.” And now it has. Private hospital contracts have in the past tended to be rather short term, ad hoc arrangements designed to take the spill over from the public waiting list. But Health New Zealand has been negotiating 3-year agreements with private hospitals. And that will guarantee high volumes of low complexity patients. They don't want your tricky ones, they don't want your obese smokers, they just want the people who'll be able to come in, have a routine operation, and have the aftercare needed to provide good outcomes. Brown has now directed Health New Zealand to seek even longer-term arrangements, which he says will improve the cost effectiveness of delivery and provide clear investment signals to the private sector. So if the private sector is thinking, do we put up a private clinic in Tauranga that can do routine operations, do you know what? Damn it, we will, if there's a 10-year pipeline of work. Do we invest in the super duper state-of-the-art high tech medical equipment that would take the operating theatre to the next level? Damn it, we will, because we have that pipeline of work. That has to be good news for patients. The number of people waiting more than four months for elective surgery has grown from 1000 in 2017 to more than 28,000 and 2023. Now, I totally accept that waiting lists can be manipulated. You know, over the years, over the many, many years I've been doing a talkback, we've seen successive governments manipulate the waiting list. It looks a hell of a lot better when you just take people off it – you have to be referred by your GP and start the process all over again. That's one old trick. But we also take into account that Covid meant that a lot of elective surgeries couldn't be performed and that happened the Western world over. The Covid pandemic meant that elective surgeries were a luxury, and of course, it ballooned out. So this has to be good news. The fact that the private hospitals will now have a contract where they will be able to deliver these operations for less than they have been charging. The New Zealand Private Surgical Hospitals Association Representative hadn't heard about the 10 years, but said obviously with that certainty that length of agreement it was not unreasonable to expect such deals would provide certainty on costs, which is doctor speak for we'll sharpen our pencil and give you a good deal. However, there are concerns from the medical profession, the Royal Australasian College of Surgeons says they were sold outsourcing as a short-term solution. But outsourcing is not a solution to an inadequately funded health system. They said that outsourcing elective surgery deprived surgical registrars of the training they needed, and that it was all so much more expensive. I don't see why the registrars can't pop across the road to Alleviate or Ascot and spend a day in the operating theatre in a private clinic. I mean, it's probably much more complex than that, but when they say surgical registrars won't get the training they need, whatever happened to work experience? Where you could go to a private hospital for a day or a week and help out there. I agree in an ideal world where you pay your taxes to contribute to the good of the community, an adequately funded public health system would be fantastic. Where in the world do you have one like that? Possibly the Nordic states do. But we're a long way from getting that and in the meantime, when you have people who do not have life threatening conditions but who have life diminishing conditions where they can't work, they can't enjoy life, they are living in constant pain, their quality of life is 0. They can't go outside the four walls of their own home. They're swallowing painkillers, which are ineffectual, but at least make them feel like something is happening. The difference between what is considered a relatively routine operation by the medical profession and not having that routine operation is life changing. You may not die from having bone-on-bone pain of your hip or your knee, but you feel like you want to. The difference will be huge for patients. For some of them they don't know how they can go on another hour, far less six months. I just I cannot see how it is a bad thing. Ideally, yes, we would have an adequately funded public health system, and it also might mean that you're not going to get your hip or your knee done privately. If you're a high needs patient, you're gonna have to wait on the public health waiting list – that should diminish given the number of elective surgeries that will be performed in the private sector. The only concern I see is that A) it's failing ideologically to have a publicly funded health system, but needs must. Why should people be collateral damage in a war of ideology? And B) the training for the doctors. But can't they do work experience over in the private sector? C) It's a win for patients, surely. See omnystudio.com/listener for privacy information.

Prisons to me are tangible evidence of failure. Failure of a person to do the right thing, failure of family, of community, of society. Before they've even been used, they smell like failure. I've emceed a fundraiser for the Shine domestic violence prevention charity at Mount Eden's remand prison before the first prisoner had stepped foot inside it. And even though it was brand-spanking new and done to the very best of the budget and to the specs, you just felt like failure the moment you walked in there. It would be so much better to spend the 150K per year that we spend on average on each prisoner, on at-risk kids to prevent them becoming just another statistic, perpetuating the cycle. But prisons are a necessary evil because some people do evil things. And because if people aren't seen to be punished for doing evil things, society's fragile contract breaks down. Remember the case of the 26 year old drunk who had been reported for dangerous driving? As he went from point A to point B, from his work drinks to a mate's house to drink more while throwing back premixed drinks in his car, he slammed into the vehicle of an innocent young woman, killing her. Jake Hamlin got 12 months home detention, 200 hours community work, disqualified from driving for a year, and ordered to pay $8k in reparation. And that just doesn't seem enough. But because you and I want to see a life mean something, we want to see that when you recklessly take the life of another person, you have to pay for that. And you have to be seen to pay for that. And the payment has to be significant. You've taken another person's life. A person with hope and dreams and potential and family who loved her. And what? You sit at home for 12 months? So because I want to see him punished, we need more prisons. Our prison population looks set to increase by more than 30% in the next decade. I think we'll be lucky if we can keep it at 30%. Given the social issues over the past five years, it will be bloody lucky if we can keep it at 30%. And because we can't build prisons fast enough, that may well lead to double bunking, which will lead to more issues, and so on and so forth. The previous National government had planned to build more prisons, but Labour put the kibosh on that. They decided they would depopulate prisons. A policy that didn't work so well, as Corrections Minister Mark Mitchell told Ryan Bridge this morning: “I think that we've been really clear that we are focused on public safety, and under the previous government, the only target they had around public safety was reducing the prison population by 30%, and we saw a massive increase in violent crime. So there are some people that don't want to stick to the rules that think they're above the, above the law, that are often recidivist violent offenders, and the safest place to put them is into a correction system or facility where then we can start to work on rehabilitation and hope that they rejoin society and make good decisions in their lives. There's a huge human cost and economic cost to having these people in the community and we've been very clear as a government that we're not going to tolerate that.” Yeah, I like his optimistic approach that there can be rehabilitation, and people can re-enter society when for a very long time, these people have been on the outer of society. They don't want to join society because that means they'd have to get a job, and turn up on time, and not sell drugs. Mark Mitchell said after year-on-year increases in violent crime since 2018, it was encouraging to see a reversal of that, with a 2% drop in numbers for 2024. He said violent crime increased by 51% between 2018 and 2023. So in October of last year, the prison population broke the 10,000 mark for the first time, and inmate numbers are expected to reach nearly 14,000 in the next decade. And that means we need more prisons. But even as Waikeria and Christchurch have begun expansion at their prisons, you've got a hikoi, organised by People Against Prisons Aotearoa, marching on Parliament. What on Earth do they expect people to do? What is the alternative? What do the Tamatha Pauls and the People Against Prisons Aotearoa want to have happened to somebody like Jake Hamlin? Or somebody who so violently assaults his partner, the mother of his children that she either ends up dead, or with life changing injuries? What do they expect to have happen then? What do you expect when somebody coward punches? Or when somebody is making an absolute fortune by selling drugs and perpetuating misery? Getting young people hooked on drugs so that they've got more customers? Or when some sleazy ass uses their privilege —this has been the case recently— to rob people blind, to abuse their trust, wreck their companies, destroy livelihoods? What do they expect? That they're going to sit at home for a year? I know that I know that prisons represent failure. But not locking up people is an even bigger failure. See omnystudio.com/listener for privacy information.

Good news for the wool industry. Wasn't such good news in December of last year when Kainga Ora, the country's largest landlord, put out tenders for new carpet and underlay, and specifically said wool suppliers need not apply. So that was in December of 2024 then in January 2025, the agency opened its tender process to wool carpet suppliers, allowing a direct price and offering comparison. Remember when the representative for the wool industry said that wool suppliers, wool carpet suppliers, hadn't even been able to tender? For more than a decade, Kainga Ora had been using nylon and that was that. You weren't even allowed to say, look, actually, we can give you a really good price. It was just thanks, but no thanks. And that was still the policy back in December of last year. in January, Kainga Ora opened itself up to what the wool industry could offer. At the time, chief executive Matt Crockett said Kainga Ora had traditionally used solution-dyed nylon carpet due to the durability and price. But yesterday came the announcement that Kainga Ora will use wool carpet in new state homes as of July. The Government has played a huge part in this decision. Back in December of last year, as I say, Kainga Ora said no. Wool providers were specifically excluded in the call for tenders. That was because it was believed that wool was an extra $2-400 more per home than nylon. But after a directive to about 130 agencies in April that government buildings and government suppliers would use wool where possible, Kainga Ora changed its mind. Said, feel free to make a submission. Feel free to give us a price. And now New Zealand sheep farmers will be providing the carpet for Kainga Ora homes as of July. About 4500 new state houses will be affected, will be expected to be fitted out in the next three years. Now I'm a huge fan of wool. I've been harping on about it for nearly a year now after having wool carpet put into my place. And surely its benefits outweigh the fact that it's slightly more expensive than the nylon – or rather it was. You know the $2-400 was before the wool carpet providers were able to actually come up with a price for Kainga Ora. They may well have sharpened their pencils. We won't know because the total value of the contract is commercially sensitive and can't be disclosed, according to Kainga Ora. So we don't know but you'd imagine that it's at least competitive with the nylon. And when you look at the whole of life of the carpet, you may well see that it's cheaper in the long run, better value in the long run than the nylon. The natural qualities allow wool to dampen sound, absorb pollutants. They contribute to healthier indoor environments by regulating humidity and improving air quality. So in terms of whole of life costs, sustainability, and health benefits, it ticks all the boxes. So yay for the government directive. Yay for New Zealand's sheep farmers. Yay for the durability and environmentally superior qualities of all carpet. It's got to be a win for everyone, doesn't it? See omnystudio.com/listener for privacy information.

The largest agricultural expo in the Southern Hemisphere, one of the largest business expos in the Southern Hemisphere, has opened its gates this morning, and exhibitors are ready to do business. That hasn't always been the case in Fieldays' 57 year history – the rural economy has had its ebbs and flows over the years, and Fieldays in Hamilton has felt them. Confidence has waxed and waned, but not this year. This year, you've got the Massey Ferg's descending on the Tron in their droves. This year the feeling is bullish, according to Richard Lindroos, the CEO of the National Fieldays. “They say down here it's a bit of a positive vibe going on. Everything's going the right direction. We have certainty now in terms of where the prices are and the forecasts are pretty good, so we expect the rural community to open up the wallets at Fieldays. I think you're going to see those large capital expenditure, and the more certainty you have from the farming community, the better it will be. So our exhibitors down here, and we have over 1200, are looking forward to gates opening at 8am today. We go right through to Saturday. Saturday is Super Saturday, so I'm looking forward to even the townies coming down.” Absolutely. It's an amazing event. I've had the privilege of going a couple of times —working and as a spectator— and it's enormous amounts of fun, and enormous amounts of business is done in the good years. And as Richard referred to when he was talking to Mike Hosking this morning, he's expecting the wallets to be open, because there have been good prices in the agricultural sector for the farmers, and also one of the big ticket items in the Government's 2025 Budget was ‘Investment boost'. The facility that allows businesses to deduct 20% of a new assets value from that year's taxable income on top of normal depreciation. There was a good example in the Herald: let's say a company invests in a machine worth $100,000, or a farmer if you will, that depreciates over 10 years, assuming a 10% straight line depreciation rate. Previously the company would have been able to deduct $10,000 worth of depreciation each year from its taxable income. Under investment boost, it could make a $20,000 upfront deduction, followed by $8,000 in depreciation deductions each year, including in year one. So you can see that that would have an impact. The Government hopes the change will significantly increase productivity by encouraging businesses to invest in new assets now, rather than waiting for the economy to improve. You might have heard that yesterday when we were talking the solar power interest-free loan from ASB for farmers to invest in solar power technology. We had a farmer who rang in, he had actually got his loan through ANZ, but he said he'd been looking at solar power for a while and he just wasn't in a position to make that kind of upfront investment. This year he can and has. So there's more money going on farm and into farmer's pockets. The investment boost, it is hoped, will see farmers and other businesses investing in new technology to allow for increased productivity. Is that what's going to happen? If you're heading to Fieldays, are you going there with the express aim to invest in new technology, technology you might have had your eye on for a while but you haven't been in a position to do anything about it until prices improved, and until you gets a commitment from the government like investment boost. Does investment boost, now you've had time to let it settle, mean that you are going to be investing in the kind of technology that's going to boost your productivity? See omnystudio.com/listener for privacy information.

As more people take the leap to owning their own businesses, many seem to be buying into already established brands. Data suggests the business of franchising and owning established brands is booming, with around 30,000 franchise unites currently existing nationwide. Association CEO Katrina King told Kerre Woodham they see franchising as being in business for yourself, but not by yourself. She says as a franchisee you're part of a system, but you're very much still a small business in your local community. LISTEN ABOVE See omnystudio.com/listener for privacy information.

There's been plenty of buzz around AI in the last few years. The most recent headlines have been highlighting its evils, such as the creation and lack of regulation around deepfake technology and fake pornography. However, there are many positive applications for AI technology, particularly in business. Justin Flitter, founder of NewZealand.AI, joined Kerre Woodham to discuss the potential it holds to transform a workplace, as well as taking listener questions as to how it all works. LISTEN ABOVE See omnystudio.com/listener for privacy information.

If you turned up to work yesterday, first day of a new week, with a bad case of Mondayitis, feeling like you're getting nowhere working for the man, thinking now is the time in your life when you should be the master of your own destiny, making your own decisions, getting the true reward for your labours, well join the queue. Buyer demand for New Zealand businesses is on the up with large business brokerage firm LINK reporting a record 19% year-on-year increase in would-be buyers signing confidentiality agreements, even though times are tough. You would think in a relatively depressed economy that people would stay put, that going out on your own would be the last thing you'd want to do, but no. It's not just LINK, ABC Business Sales CEO Chris Small also reported a record number of sales. He said business sales were countercyclical to unemployment, with people looking to buy themselves into a job when employment opportunities dry up or they're made redundant. He says right now there's a lack of stock, listings were down 10%, while the number of buyers looking to buy a business was up 30%. You can put that down to immigration, a significant number of would-be buyers are immigrants, but Small says a growing number of those who are just sick of working for other people. “It's becoming a real thing that people are coming to us and going, you know what I'm sick of, I'm sick of working for a big corporate. It's too woke or it's too annoying. I don't like my boss, and I want that financial freedom where actually, if they work really hard, you get rewarded. If you don't work hard, you're obviously going to be in a bit of trouble versus in corporate New Zealand - you can probably work pretty hard and not necessarily get rewarded for the hours you put in.” Now, when I've talked to people who own their own businesses, who are one of the myriad small to medium businesses that are the backbone of the business economy, a lot of them grew up with parents who had their own business. That's the way they saw the world. That you had your own business, that you worked as a team, husband and wife within the business, the kids quite often helped out, and so it was the culture of your family, was to own your own business. In our family, it was a bit different. My dad was adamant that my brother and I should get good jobs. When I signed up to the Broadcasting Corporation of New Zealand and my brother was an officer in the New Zealand Army, that was it for him. It was job done. We both had good, safe, secure jobs. Wonder how we'd look at the media landscape right now, but for him, it was getting a good, secure job. That was the dream. And I'm really interested in those people who are leaving paid employment. Leaving a corporate or middle management role and deciding to go out and buy a business. Can you actually make a go of it if it's not in your bones? If it's not in your in your blood? Because running your own business is hard work and I wonder if people underestimate that when they think no, I'm going to buy myself a little business and everything will be tickety-boo. I won't have to answer to anybody if I work hard, I'll get the return on it, it won't be going to anybody else. If I want to take Saturday off then I can. Well, can you? I mean, most of the business owners I know, especially in the early days of the business, were working seven days a week. Can you actually become a business owner later in life, without any kind of experience? Running your own business – it's not for the faint hearted. I totally understand that for people who don't enjoy their jobs, turning up, sitting down at the hot desk and finding filth is the first thing you do to start your day, having some overpaid tit telling you what to do and when to do it would be really grinding. You know, endless, pointless meetings would sap your soul. And I totally understand the desire to pick up your jacket, walk out, and start doing it for yourself. I'd be really interested to hear from people's experiences and those of you who are business owners, who have been business owners since you left school. And what your words to these would-be businesspeople, what your words of wisdom might be to them. What would you tell those who are looking to leave the corporate world, where they've been a paid employee for the most of their working life, they're now in their 30s or 40s, and they've had a gutsful. And they want to buy a business and get out there and make something of themselves. What would you tell them? See omnystudio.com/listener for privacy information.

ASB is offering loans to help farmers balance their energy costs. They're offering five-year, interest-free loans of up to $150,000 for the installation of solar and battery systems on their properties. The bank said farm electricity costs are rising, with the average 2025/26 season power bill expected to be around $28,000 for owner-operated dairy farms. Research found most farms have rooftop space available for solar, and 60% of farmers say they have land that could be used for solar without reducing production. Rural General Manager Aidan Gent told Kerre Woodham the main barrier to electrification in rural areas was a lack of understanding as to what it would mean for them to electrify their farms, as well as what the cost and payback would look like. He says the bank is trying to ease access to capital, but also provide tools that help bring it to life. Electrifying rural areas would also be a major boost to resilience, Gent says, as in the event of a major weather event like Cyclone Gabrielle, it's much easier to distribute power from farmers' set ups rather than waiting on the main lines to be repaired. LISTEN ABOVE See omnystudio.com/listener for privacy information.

When I was doing the rounds of the open homes, travelling all over the Auckland isthmus a couple of years ago, I was looking for something quite specific. A house where I could have my own space and where the kids could live separately as a family, because we were buying together. And there were quite a few just like that. One house I visited was owned by two doctors, they had two children, and they had brought her mother over from India – she was living downstairs and provided childcare and general household assistance. Another house was owned by a Chinese family. I don't know what they did, but the living arrangements were pretty much the same. A separate space pointed out to me by the real estate agent for the mother, so she could help out in the home. Not every family who makes a new home in New Zealand needs live-in help. But families who migrate here would probably love to be able to have their parents, their grandparents, come and visit for extended periods and it's going to be easier for them to do so. Now the government is introducing a new visa to allow the parents of New Zealand citizens and residents multi-entry access for up to five years with the opportunity to renew that once again. There's criteria to fulfil before the visas will be granted – it's not open slather. The parents sponsor, presumably their adult children, who are the New Zealand residents, have to earn the median wage for one parent, one and half times the median wage if they want to bring in two parents. The parents themselves have to have an income equivalent to the Super and importantly, they must meet an acceptable standard of health and have health insurance. As Katie Armstrong, owner of Into NZ Immigration, told Mike Hosking this morning: “Obviously the concern when you're making this kind of visa is how to protect the system, how to help people reunite, but also how to protect the system. We've got a stretched health system, so trying to get that balance right is difficult, but I think it's, you know, with the insurance that's going to take the edge off a whole lot of this, it's going to be the first, well no, sorry the second Visa that we have that requires insurance.” So the insurance means that they have to have at least one year of health insurance coverage, which provides for emergency medical cover up to at least a quarter of a million dollars, repatriation return of remains, and cancer treatment of at least $100,000. They must maintain this insurance for the entire duration they're in New Zealand. While offshore during the third year of the multiple entry visitor visa, they will have to complete a new medical assessment and demonstrate that they have maintained their insurance. ACT's Immigration Spokesperson Dr Parmjeet Parmar says the new visa means that skilled migrants can come to New Zealand with confidence they can have their parents around when they welcome a new child or when they need support, during any challenges that life throws or to help out with the childcare. Ultimately, she said, this visa makes New Zealand a more attractive destination for the talent we need to drive economic growth. So does that make sense? If parents of migrants can come here at no cost to taxpayers, is there an issue? Is there a problem? If parents are going to be able to pay for their healthcare, if they have an income, if the sponsors (their children) are going to be looking after them. They're going to be contributing in terms of helping out with the childcare, helping out with support, it's going to make it a lot more attractive than new migrants coming here bringing their skills and not knowing if they're ever going to be able to get their parents over here. It's so much better than a lottery system. I think it makes perfect sense. I would be really wary if there were any cracks or gaps they could fall through, that would mean expensive healthcare was going to be provided by the New Zealand taxpayer, but it looks like any possibility of that happening has been excluded with the health care coverage and with the requirement that before they can come back, they have to show that that health coverage has been maintained. So I'd love to get your views on this. I'd love to get your thoughts on this. If there is absolutely no cost to the taxpayer, where is the harm? See omnystudio.com/listener for privacy information.

Kerre Woodham talks to NZ Blood Service CEO Sam Cliffe at the start of National Blood Donor week. NZ Blood is asking Kiwi's to find their superpower and start saving lives by becoming a blood or plasma donor. COVID's impact on the methods of recruiting young blood donors has led to a decrease in the number of young people donating blood. Since 2020, there has been a 25% decrease in the numbers of 16-25 year olds and the current average age of donors is 43, with 18% over 60. See omnystudio.com/listener for privacy information.

Clearer boundaries around Kāinga Ora tenant behaviour could explain a 600% surge in formal warnings. In the past 10 months, 63 tenancies were terminated because of abusive, threatening, or persistently disruptive behaviour. Nearly 1,500 warnings have been issued in the financial year to date. Chief executive Matt Crockett told Kerre Woodham behaviour isn't worse, rather the previous framework wasn't as sharp. He says clearer boundaries and more follow through now have more people's behaviour changing for the better. The fate of multiple vacant Kāinga Ora sections sitting empty will be confirmed in the next month. Multiple projects are on pause as the state housing agency re-focuses on the Government turnaround plan. This includes selling 900 older homes a year and a new build programme. Crockett told Woodham Kāinga Ora's been reviewing which areas are cost effective and serve populations. He says about 20% of its current land holdings will be sold back to the market. LISTEN ABOVE See omnystudio.com/listener for privacy information.

It's not really a huge shock, is it? The news that homeowners will have to pay even more for home insurance to help the Natural Hazards Commission (formerly known as the EQC), is to be expected. Insurers have been warning for years that premiums will rise and will continue to rise, that they may have to put some of the cost of risky properties back onto homeowners and in some cases, they'll be declining to insure homes altogether. And we've already started to see that. In 2017, a then-record $242 million in weather-related claims was paid out. Just six years later, climate related claims were more than $3.5 billion due to the Auckland anniversary floods and Cyclone Gabrielle. It's incredible when you see the insurers' charts, 20 odd years ago they'd say this is a record year or this is a once in 100 year, then the next year, or three years later it would treble in terms of the cost of the claims that had to be paid out. So there's a pattern, you'd be a fool to ignore it, and the government is not doing so. Nor is the insurance industry. The Natural Hazards Commission provides cover for capped portions of residential buildings and land damaged by earthquakes, landslides, volcanoes, hydrothermal activities, tsunamis, storms, and floods (land cover only). Leaving private insurers to cover the rest. The NHC has struggled to recover following the Canterbury earthquakes and faces huge future claims costs. The new modelling lifts the likelihood of a big earthquake, with construction costs soaring post-pandemic and the reinsurance market hardening. The NHC is so underfunded that there's only a 37% chance the levy income will meet the costs over the next five years, according to the Treasury. And the NHC must cover the first $2.1 billion of claims related to a natural disaster before it can tap into its reinsurance cover. So just like any insurance claim, you must pay your excess, and then it will chip in. It's just in this case, $2.1 billion is your excess. Given there's only $500 million in the kitty, if there was a big disaster today or tomorrow, the government would have to find more than $1.6 billion to cover the claim costs before reinsurance cover could kick in. Associate Finance Minister David Seymour says levies will almost certainly need to rise, Cabinet's set to decide on the changes in the coming months. An insurance consultant told Ryan Bridge this morning it'll probably cost homeowners an extra $200 to $300 more a year. And if that sounds like a lot, well count yourself lucky, because there are some people who simply won't be able to get insurance for their homes. And it's not just people in the obvious places on cliffs or banks next to rivers who will be paying. Everyone is at risk. And those living up the top, who's homes are built on traditional drainage areas or water soak areas are part of the problem. We're all in this together. So, what are your options? If you have a mortgage you have to be insured, but it might mean that people take the bare minimum because that's all they can afford, meaning they are left underinsured and depending on the kindness of strangers to recover after disaster strikes. Will Give A Little be the insurer of choice for people who can't afford to cover themselves? I assumed Hamilton might be the safest place to live, and I was right. Volcanologists say Hamilton is probably the safest place to live. It's away from the coast which cancels out tsunamis. It's a safe distance from known fault lines, although there is the caveat that one could be lurking. It's far enough away from Auckland's volcanic field to be considered safe, and even if the Waikato River flooded its much lower than the houses around it. In the North Island, there's no real escape so should the north be paying more? Do we start pointing the finger at other areas? Can the people of the Waikato say “Hey, not us. We are living in a really safe area. If you choose to live anywhere outside of Hamilton, it's on you.” Do we ban the rebuilding? Make them no go zones of any area that's been flooded 2, 3, 4 times in the past 100 years. It's all very well and good for those who have not been flooded or have not been affected or haven't seen their homes turned to smithereens to say just move. But for most people, their home is their castle. It is their most significant financial investment. If they can't sell their home, they can't move. They have to patch it up and make do. So I would be really interested to hear your thoughts on this one. Do we go in this as “we're all in this together?” We accept that we're living on the shaky aisles, that we are a natural hazard magnet and that's the price you pay for living in a bucolic paradise. Should some areas pay more than others? Do you get the insurance companies whose business it is to gauge risk to set cover across the country based on the riskiness of each region.? Do we ban the rebuilding on known flood areas? What do you think the answer might be as we struggle to come to terms with living within our environment? We're not so far removed from early settlers really as we try to balance the advantages and disadvantages of living where we do. See omnystudio.com/listener for privacy information.

Honestly, I don't know why we report on polls. Seriously, I don't know why I'm even talking about them myself, but it's really ripped my nightie overnight. They're so frustrating, and because media companies commission them, it makes the media look like master manipulators. This is from 1News last night (I didn't watch 1News, obvs) but this is from their website – both National and Labour have slid in the latest 1News-Verian poll, while New Zealand First have moved to their strongest position in eight years. If an election were to be held today, the right bloc of National, ACT, and New Zealand First would have 63 seats —enough to form a coalition— while the left bloc of Labour, the Greens, and Te Pati Māori would have 58 seats. So that's from 1News and their Verian poll. This is from Radio New Zealand – after the budget and pay equity changes, the left bloc would have the support to turf the coalition out of power, the latest RNZ-Reid Research poll shows. The preferred Prime Minister and leadership ratings are also bad news for the government, with the exception of Winston Peters, who's seen his highest results since 2017. The ratings of the government's general performance have also continued to slide, with Labour, the Greens and Te Pati Māori all gaining compared to the previous poll, they would have a majority with 63 seats between them, compared to the coalitions 57. A direct opposite of what 1News-Verian said. How can this be? And it's always headline news. You've got 1News talking about the right bloc being able to hold on to power, but only just, and look out. You've got RNZ crowing about the fact that the coalition government would be turfed out of power with the left gaining hold. And both lead with it, and it leaves me scratching my head and doubting both of them. How do you imagine the pollsters collect their data? Random phone calls of 1000 people? No, no, no. It's far more tricky than that, and they put it in every story. It must be an obligation on the part of the media company to say how the data was collected. From TVNZ: Between May 24 and May 28, 1002 eligible voters were polled by mobile phone (500) and online, using online panels (502). What are online panels? Are they things you sign up to yourself? Who knows? The maximum sampling area is approximately plus 3.1%. Party support percentages have been rounded up or down to whole numbers. The data has been weighted to align with Stats NZ population counts for age, gender, region, ethnic identification and education level. So what does that mean? If I'm a numpty, am I worth 2 points as opposed to somebody who leaves school worth NCEA and that's worth one? What does that mean? If I'm 18 and I respond, does that mean because there are fewer 18 year olds who respond, does it mean that my reckon is worth double that of somebody who's 50+. How can you weight the information? And not all 18 year olds think the same way. If you're looking at ethnic identification, not all Māori, not all Pakeha, not all Pasifika, not all Chinese people, think the same way. The sample for mobile phones is selected by random dialling using probability sampling. Online sample is collected using an online panel. So that's from 1News. This is from RNZ: This poll of 1008 people was conducted by Reid Research using quota sampling and weighting to ensure representative cross section by age, gender and geography. The poll was conducted through online interviews between the 23rd and 30th of May 2025, has a maximum margin of error of +/- 3.1%. I'm of a mind to never discuss the polls again. The statisticians and the research pollsters and the companies all say, oh, no, no, no, it's terribly scientific. Is it really? When you've got two polls conducted over the same time, presumably using the same scientific methods, coming up with two completely different results. If the polls were scientific, surely you'd see a consensus of opinion. You wouldn't go sniffing like a truffle hunter looking for respondents that agree with your particular version of the way things should be. It's like you're researching into an echo chamber. It's not worth the time and the money. If this is what RNZ is spending their money on, given that they are funded by the taxpayer, I'd rather they spend it on training up young reporters or allowing a veteran reporter to spend some time doing some investigative journalism, rather than coming up with a poll that supports their worldview. And which is in direct contrast to the other taxpayer funded organisation, which is kind of paying its way at the moment, which is 1News. What is the point? How on earth can we take them seriously when they come up with completely different results and when all the data is weighed, quotas are taken, samplings adjusted. It's an absolute crock. The emperor is stark naked and shouldn't be taken seriously at all. See omnystudio.com/listener for privacy information.

Kiwi business leaders fear the impact of Donald Trump's tariffs will be more severe than the impact of the Global Financial Crisis and the Covid pandemic. ASB and Talbot Mills have been surveying more than 300 business leaders, including CEOs and founders. Two-thirds of businesses are concerned about the impacts, including almost 80% of exporters. Meat, dairy and wine are expected to be hit harder, while the wool and seafood sectors are expected to fare better. ASB's General Manager of Commercial Banking, Ben Speedy, told Kerre Woodham that the results highlight that businesses are really struggling with the uncertainty that's playing out in the environment at the moment. He says businesses not only need to navigate tariffs, but also the difficult business and economic environment in New Zealand. LISTEN ABOVE See omnystudio.com/listener for privacy information.

How is it that two recent polls had such starkly different outcomes? The latest RNZ Reid Research poll —out this morning— has the right bloc on 46.4, behind the left bloc on 50.3. But the latest 1 News Verian poll —released last night— has the right bloc on 50-percent, well ahead of the left bloc on 45. Curia Market Research Owner David Farrar told Kerre Woodham that when you poll 1000 people, they say there's a 3% margin of error – so if a party is sitting at 50%, in reality they're somewhere between 47% and 53%. His advice for conflicting polls is to average them out, as that will generally give you a pretty good idea. LISTEN ABOVE See omnystudio.com/listener for privacy information.

On average, there are 73 work-related deaths in New Zealand every single year. Relative to the number of people in employment, the New Zealand workplace fatality rate is double that of Australia, and it hasn't shifted in many, many years. More road cones have not made a difference. The New Zealand rate is similar to the rate the UK experienced back in the 1980s. The gap between New Zealand and Australia is consistent across most industries and occupations. It's not like we've got one that is more dangerous than any other, which is why it's throwing these figures out. It's consistent across industries and occupations. Looking at the construction industry, the New Zealand fatality rate is 4.41 workers every 100,000 compared to 2.93 workers in every 100,000. The workplace injury rates tell a similar story. New Zealand injury rates, as reported by ACC have improved over time, however the Australian rate is 25% lower, the UK 45% lower. Why? Why are we so much worse than other countries we should be able to compare ourselves with? Brooke van Velden, the Minister for Workplace Safety, says we're overregulated. That there are too many rules and the fear of prosecution is making workplaces less safe. “We're changing the focus of worker health and safety to focusing on the critical risks, those things that can cause deaths and serious injury, and at the same time, I'm changing the focus of WorkSafe to care about deaths and serious injury as well and not sweating the small stuff because we've had a culture of too much over compliance, ticking all the boxes, trying to get all of the paperwork done, rather than focusing on, do I actually do anything in my workplace that could cause death or serious injury? And are we doing that correctly? “So I'm saying to everybody out there, let's not sweat the small stuff. Let's focus on those deaths and serious injury activities and let's have WorkSafe going on site providing more upfront guidance so that they're here to help rather than having too much of the stick.” Who was it that said there are no more chilling words than “hi, we're from the government. We're here to help”? It was an American, I'm sure. Is there going to be able to be a change of emphasis? If all of a sudden, Workplace Safety says, ‘hey, we're here to help. We're here to help you, as the employer, make the workplace safer'. Are we able to pivot away from thinking ‘if Health and Safety come in here, they're going to find all sorts of nitpicky things and make my life misery', to ‘might ring Workplace Health and Safety and see how they can help me'. It's going to take a big mind shift. Mike said this morning he thought there were too many rules and there probably are for people who are educated, who have choices about what they do, who have choices about where they work. For people who don't have the luxury of telling a boss to stick it if they're asked to do something they think is really dangerous, or to do something with equipment they think is dangerous, rules are required. But they need to be clear, they need to be effective and if they're not working, do away with them. And I think most importantly, employees need to be on board with them. The number of times I've had employers ring in and tell me that as required by law, they bring in the safety gear, they instruct the workers to wear it, they do spot cheques to ensure the workers are wearing it, and the workers are not wearing it. They say that the goggles mist up. That the harnesses mean that they can't rely on their own wits to go about the building, and they'd rather risk death than rely on their own sense of balance. The employees don't seem to value their lives in some cases. You've got to get employees on board as well. There has to be a culture of safety, that workers have to value themselves and employers have to value their workers. And you can't regulate for that. You can't red cone that. I tend to agree that too many rules just mean the important ones get lost in the noise. Too many road cones and you don't know when it's dangerous and when it's not. But our work-related deaths are appalling. And they've been appalling for a very, very long time. How do we fix it? It's only those workers in dangerous occupations, mainly men, and the bosses in those dangerous occupations that can tell us. See omnystudio.com/listener for privacy information.

The rise of generative AI could be putting children at risk. Gloria Masters, founder of 'Handing The Shame Back', believes the current digital environment has enabled “much more sexualised content” of children to be available to predators. AI tools allow people to remove clothing from people in photos, such as children, creating fake nude images they can then trade. She told Kerre Woodham that share your photos with trusted friends and family members by all means, but the days of posting them on Facebook, Instagram, and other such platforms are gone. According to Masters, research shows that 85% of online offenders become contact offenders, going on to abuse real children. She says it's important to stop giving predators a free pass and remove content so they can't access it. LISTEN ABOVE See omnystudio.com/listener for privacy information.

You might have heard ACT leader David Seymour on the Breakfast show this morning. He says there will almost certainly be prosecutions against parents of absent students this year as the Government intensifies its crackdown on school truancy. And it's not even truancy, in my mind truancy are kids doing a bunk, wagging, taking a day off. What this is, is parental neglect. Parents who are failing to ensure that their kids get to school and get to school on time. According to Ministry of Education figures, around 11.3% of students were chronically absent from school and term 4 last year, equating to around 93,000 young people. Chronically absent means a student attends 70% of school or less. The Associate Minister for Education spelled out what's going to happen next to parents who will not send their kids to school. “Basically, a school will go to the Ministry of Education, say look, we've got someone who they're not a can't, they're a won't. We've tried. We've gone out. We've engaged with them. They're basically giving us the middle finger and saying education is not important and you've got no right to demand that my kid enrols and attends a school. And in that case I've been told by the youth aid, police, by the attendance officers, by the deputy principal, we need another sanction, another step we can take. At that point they will go to the Ministry of Education and say, look, this is a potential prosecution case. Ministry of Education will weigh it up and if it stacks up, they'll take the prosecution, ultimately go before the courts. Now you can be fined $30 bucks a day up to $300 initially. For repeat offending the fine on parents can be $3000.” Which of course many parents won't be able to pay in that category. They're not going to be able to pay it, but the message is clear from the Government. They are quite happy to be the bad guy in getting your kids to school. And principals have said they've already noticed a difference. The expectation is that young people will attend school. Schools have to deliver statistics on the numbers of children who are turning up and they have to deliver those to the Ministry of Education – if their figures are slipping, or if there's no improvement, then action is taken by branches and agencies of the ministry to encourage children to attend school. So is it going to help the parents who've rung in and told me they cannot get their children to school? These are the older students who cannot and will not get out of bed. That makes it a bit tricky. We have had, on the face of it, perfectly “normal parents” who are trying to do the right thing by their children and by the community who want their kids to get ahead in life, who want their kids to go to school, tell us that they cannot get their teenagers out of bed and into the classroom. If you can say, well, if I have to pay that fine, then that's going to come out of the money for your wardrobe or the money for your school trip, or the money for your phone plan, will that help? I mean, 11% of kids who are chronically absent, that's quite a lot of children, 93,000 young people, as a lot of young Kiwis who are missing out. And they're not just missing out on learning they're missing out on the structure and the discipline of getting up and going to work. And what if the parents and grandparents like me, who take the kids out of school for a jolly? I guess there are exceptions to every rule, but should we be fined as well? If you're willingly, wilfully disobeying the edict from the government to get your kids to school should parents and grandparents like me be fined for basically sticking the middle finger, as David Seymour said, to the attendance expectations? See omnystudio.com/listener for privacy information.

Construction of New Zealand's first large scale grid battery storage system has finished in Ruakākā, just south of Whangārei. The Meridian Energy project has storage capacity of 200 megawatt-hours, which is enough to power 60 thousand homes for two hours. It will provide greater resilience and reduce strain to the Northland power and reduce strain on the wider power supply. Guy Waipara, Meridian Energy General Manager Development, told Kerre Woodham the batteries are designed to be available at peak periods for the network. He says it's only part of the system, but it will play a really important part at the times where energy security is challenged. LISTEN ABOVE See omnystudio.com/listener for privacy information.

What on Earth do we do with young people who were born in New Zealand, who have lived in New Zealand all of their lives, but who aren't New Zealanders? They've never known any other home, but they can't get healthcare, they can't get a driver's licence, they can't get a job, they can't pay taxes. In 2006, a law change under the Helen Clark Government removed the right to citizenship by birth for children born in New Zealand. The justification was that it stopped people from country shopping by going from country to country, having a baby in the one they liked and therefore being granted citizenship through their child. That's a fight Donald Trump's having right now with the US Supreme Court, the US being one of 33 countries that grants jus soli – the right of the soil, or the right of citizenship to anyone born within a territory. We did away with jus soli in 2006, and now young people, it's not known how many, because of course they live in the shadows, are leaving the education system and are locked in limbo. The education system will educate anyone here, even if they're here unlawfully, until the age of 18. After that, all services of the state are denied to them, and they are on their own. Stuff has an excellent story highlighting the plight of New Zealand born overstayers this morning. At the moment, it appears there is no pathway for children born to overstayers after 2006. It's even more cruel to think that siblings born to those same overstaying parents before 2006 have New Zealand citizenship but their brothers and sisters born after don't. At the moment the only option is to go to the Minister of Immigration and plead individual cases, which is time consuming, lengthy, costly, and takes up a lot of bureaucrats' time. So what do we do with these 18 and 19 year olds? An immigration lawyer quoted in the Stuff story wants a repeal of the 2006 law change, which removed the right the birthright citizenship. Or, he suggests, we do what the Aussies and the Brits do and that is grant citizenship if you're born here and have lived here for 10 years or more. Surely that seems the most humane way of dealing with these young adults. They're here, they've been here all their lives, they likely have siblings who have New Zealand citizenship – those siblings are working or at university. Should the same rights be granted to those kids who, through no fault of their own were born in this country and now find themselves in effect stateless, without a country, without a place to call home, despite the fact that New Zealand is the only home they've known? I would do what the Aussies and the Brits do. If you have been born here, if you have lived here for 10 years or more, you're a Kiwi. See omnystudio.com/listener for privacy information.

Oh dear, oh dear, oh dear. You cannot go into an election promising to get tough on crime, win the election and vow to draw a line in the sand, declare war on the crims, and then issue a directive that police won't turn up to minor crime. To paraphrase supermodel Linda Evangelista, who famously said she wouldn't get out of bed for less than $10,000, it appears our coppers won't get out of their Skodas for less than $500. A memo has surfaced directing police staff not to investigate crimes under a certain value, such as shoplifting goods under $500. As you can imagine, there have been howls of outrage from retailers and dairy owners, and police are now scrambling to explain themselves. Ann-Marie Johnson, Retail NZ manager, was on Early Edition this morning. She says that retailers do have a realistic expectation of police. “Retailers know that police aren't going to show up to every small, very minor case of shoplifting, but we certainly want to know that they're taking these crimes seriously and that where they can, they will be following up and arresting. Often they're repeat offenders, so we know who they are, and police know who they are, so we want to particularly focus on those people.” Well, exactly. I remember ages ago I left my window open. I used to live in a villa that was on the street, and I left the window open in summer and some opportunistic heffer managed to heave herself through the window and scoop up what she could see in my bedroom and disappear. And I rang the police, not because I expected them to turn up, but because I needed the case number for my insurance claim, but somebody turned up about 3 or 4 days later and dusted for fingerprints on the windowsill. And because of that, they were able to match it to a nest of Vipers in West Auckland, a group of women who had committed all sorts of petty thefts and burglaries and crimes, and so it was worth holding off on the house cleaning and not doing the window sill so the police could dust for fingerprints. Of course they can't turn up to every crime. I know that, but it's not a good look. Police Minister Mark Mitchell says he is happy to talk, but he doesn't want to get ahead “of the police executive who are going to clarify their position”. I can only imagine the “please explain” face on the Minister when he made a call to the newish-Commissioner. It's one thing for us all to know that if our wallet is nicked because we stupidly left it on a bus stop seat, we know the police aren't going to converge on the scene of the crime, all blues and two in their numbers. It is quite another thing to know that a directive has been sent applying nationally standardised threshold values when assessing theft and fraud. Losing $500 worth of groceries and goods can have a huge impact on a small business' weekly turnover, and I sure as hell do not want to see losers walking out of supermarkets with $500 worth of groceries, getting a free pass. You don't elect a centre right government for that sort of carry on. That was the very thing that galvanised a significant number of voters to vote centre right. You may not be able to get to every petty thief in the country, you know that. I know that the retailers know that, and the crims sure as hell know that, but the messaging from police has to be that they're going to jolly well try. See omnystudio.com/listener for privacy information.

The Police Minister is reassuring retailers officers will still turn up to reports of shoplifting. RNZ reports staff have been directed to not investigate retail crime below $500 and online fraud below $1000. Police may not take further action if the reports don't have enough evidence, such as CCTV. However, Mark Mitchell told Kerre Woodham every crime deserves a response. He says he wants to be clear that people can't go out and shoplift anything under the value of $500 – there will be a police response, especially if the offender is able to be identified. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Two new ‘non-financial' sanctions have come into force today for beneficiaries, who, in the words of the MSD, do not meet their obligations or, as other people might put it, who do not get off their arses and go and look for a job. Some people may have half their weekly benefits put onto a payment card for four weeks, that can only be spent on essential items at approved shops. Others may also have to find volunteer work for at least five hours each week, again for four weeks. Remember though, as the Minister for Social Development confirmed, it's only a tiny proportion of job seekers who are having a laugh – 98% are complying with their obligations and are doing what they can to get off the benefit, so it's only really going to apply to 2% of those on the benefit. But as former Welfare Expert Advisory Group member Phil O'Reilly told Ryan Bridge on Early Edition this morning, sanctions can and do work. Sanctions do work. Exactly how well they work is always open to debate. They work for two reasons. One is they encourage people to get off the benefit. But secondly, very importantly for people like you and me who are paying tax in order to give persons a benefit, they keep our faith in the system too. That if you're not going to play by the rules, there's going to be a bit of a sanction on you, so they do actually work in those two contexts. And I think that's important to remember too, it's not just about those who are on the benefit, it's about those people who are paying, in effect, the benefit. There has to be faith in the system to keep the system going. People won't suffer a financial loss per say, and since they'll be restricted as to what they can spend their benefit on if they are failing to meet their obligations. I'm less enthusiastic about the volunteering requirements. The poor old charity sector is doing it tough enough as it is without some hapless souls turning up reluctantly, looking for things to do because they have to. I don't see why voluntary organisations should be charged with the task of straightening out recalcitrant beneficiaries on top of everything else they do. Compulsory training courses or upskilling by MSD should be the way to go as far as I'm concerned. If there are people who want to volunteer, who have something to offer, fine - fill your boots. But I imagine they'd be doing that already if they felt they had something to offer. What on Earth are you going to do with a couple of individuals who don't want to go and get a job? We're talking the tiny proportion of beneficiaries there who don't want to go and get a job, who don't know how to go and get a job, who don't believe they have anything to offer anyone - they'll have had the stuffing knocked out of them after being on a benefit for years - turning up at your local Hospice shop or your SPCA or whatever, what on Earth are you supposed to do with them? David Seymour, whose party campaigned on the policies, said sanctions should go further. He said no country can succeed with one in six working age people on a benefit and ACT wants to see money in kind given as a benefit instead of cash. If you want the freedom, he says, to spend cash as your own, then earn it yourself. Which is all very well and good when the jobs are there but it's widely acknowledged that we're seeing unemployment rise. Hopefully it will peak very shortly, but we are at a time of high unemployment relative to the circumstances of this country. I'm all for getting the sanctions out for the 2% putting restrictions on what they can spend the money on so that taxpayers will have faith in the system, but the volunteering, no. Also, some of you may have a different view now about being on a benefit. Prior to the Covid years, many people had never experienced the shock of losing a job. During the Covid years, people lost work almost overnight. And they were extraordinary times trying to find something to do in a in an industry that had disappeared for a time or in the recession that followed. You might have suddenly found yourself surplus to requirements because the company you had worked for years was in really straightened circumstances and had to ditch people overboard to survive, so you might have a different view about what it means to be unemployed and looking for work. See omnystudio.com/listener for privacy information.

It's been revealed how outdoor education can help build teenagers up. The Boyle River Outdoor Education Centre is 20 minutes east of the Lewis Pass. They're a not-for-profit organisation offering outdoor education programmes to secondary school groups and are in the business of fostering leadership, growth and confidence in young people. Boyle River Outdoor Education Centre Manager Sharon Nicholas talks to Kerre Woodham about the importance of outdoor education for young people. LISTEN ABOVE. See omnystudio.com/listener for privacy information.

The Prime Minister's keen to raise the retirement age -- but it's not possible in coalition with New Zealand First. The Government is halving its KiwiSaver contribution rate -- and canning if people earning more than 180-thousand dollars. The default rate of worker and business contributions to KiwiSaver will rise over time. Chris Luxon told Kerre Woodham pushing out the retirement age to 67 makes sense. He says Labour doesn't think it's a good idea, and New Zealand First does not want to move that forward. Luxon also spoke about the cuts the government made to make funding available elsewhere. Budget 2025 includes 21 billion dollars of cost-savings - 13 billion of that from the controversial change to pay equity law - raising claim thresholds. Prime Minister Chris Luxon told Kerre Woodham these are difficult choices, but there's no way they could afford that. LISTEN ABOVE OR WATCH HERE See omnystudio.com/listener for privacy information.

Isn't it cruelly, cruelly ironic that yesterday we were talking about just how tough it is in retail, and we have the news that after 145 years, Smith and Caughey's, the last of the great, grand department stores, famous for the high-end goods, the beautiful Christmas window displays, will close its doors for the final time by July 31st. Ninety-eight jobs will be lost, but it's more losing a bastion of retail, it goes beyond the closure of just the store. It survived two world wars and two severe depressions. It was battling online retail but then a “perfect storm” in 2024 and 2025 meant that it just couldn't carry on. Once it's gone, we won't be seeing the likes of that again. So ironic that we were talking just yesterday about the man from JLL saying we need more retail space, a quarter of a million more square metres of retail space over the next five years, and we were like really? How about filling the retail space that exists? That led into the conversation about just how tough it is selling stuff in this day and age. Mike Hosking was talking to Viv Beck of Heart of the City this morning, and they agreed that the changes made to the inner city had proved too difficult to navigate. “We hoped they'd be able to get through to the opening of the CRL and we have absolutely laid it out, clear as day, to both Auckland Council and Auckland Transport what they needed to do to reduce the barriers to get into the central city. And I think the lack of action is inexcusable. There are fundamental flaws in the way this is being managed, and it has to stop. “The reality is it's been an obsession with getting cars out. We've already lost 44% of them since 2015, and yet Auckland Transport seems to think fining people in our nighttime district in Queen Street is acceptable. But the reality is we've got so much good stuff and it is a positive future. The City Rail Link will make access easier, but we cannot tolerate this behaviour anymore. It has to stop.” There's so much that went wrong all at once, that so many businesses have been trying so hard to navigate and it's not just an Auckland. We're talking about Auckland right now, but look at Wellington and Hamilton as well. The inner cities are really struggling because of the ideological brain farts of city planners, because of the ideological bent to get vehicles out of the inner city without actually replacing them with any kind of decent public transport, because of Covid, because inner city hotels and motels were turned into waste stations for transients and waifs and strays making it an unappealing place to visit, because of online retail – there are so many reasons why it has been incredibly difficult. They're trying to hang on trying to hang on until the promise from these urban planners, the promises from the transport departments, the promises from the ideologues, that this is going to be a new and bright and beautiful future. That the streets are going to be teeming with throngs of happy people who are desperate to buy whatever it is you've got to buy. And so these businesses are hanging on by their fingernails. “Better days are coming. Better days are coming.” Well, some of them cannot hang on any longer, their fingernails are losing the grip in there, slowly scraping their way down the side of the wall. I was on Ponsonby Road yesterday and a fashion designer who's been on Ponsonby Road in the same store for 26 years, she's conceded defeat. She can't do it anymore, she said, she just can't. She's been waiting and waiting and waiting for things to come right and she's run out of money and run out of time. And again, it's the economy, it's Covid, it's the new employment relations rules, it's all of those things. And then just when things start to come right, along comes Trump. There's so much that's happening. But she also made the same comment that a lovely young woman from the New Zealand fashion powerhouse Zambezi made – Zambezi's not renewing its lease on Ponsonby Road. Both women said that along with all the difficult times they've experienced over the last five years, they said that their customer base had aged out and they weren't being replaced. That they were trying to reinvigorate their customer base, but the younger generation are just not interested in buying the more expensive New Zealand designed, New Zealand made fashion. The younger woman don't want to pay those prices. So, the kids may well bunk off school to take part in climate emergency protests, and they may well harangue the older generation for bequeathing them a world on fire, but they're not willing to settle for one outfit a year from a New Zealand designer when they could have 50 dresses from Temu. Rather than actually putting their money where their mouths are and not contributing to the ecological environmental climate change disaster of fast fashion, and rather than support New Zealand designers in New Zealand, machinists in New Zealand, pattern makers in New Zealand, they'll go and do their climate protests at lunchtime and then be home in time to make some clicks on Temu and Shein to get their fast fashion. You can see the mountain of fast fashion waste from space. And the kids could do something about it, but they choose not to. And that means that we're going to see more of these closures and more skills and crafts lost as the younger generation just don't care. So I don't think I'll be harangued by a young one about the state of the world anytime soon and take that lightly. See omnystudio.com/listener for privacy information.

I don't know where the Head of Research at JLL, the commercial property company, I does his shopping, but it cannot be anywhere that I go. If you've ever wondered what the definition of gaslighting is, you may well have heard it this morning. Chris Dibble —the Head of Research at JLL— was on the wireless claiming that we have a critical under-supply of retail space in this country, and that to keep pace with population and demand we need to come up with a quarter of a million square metres in the next five years. Shopping centres and large format retail are experiencing solid demand, he reckons, and he told Mike Hosking CBD's strip vacancy rates are the lowest in Australasia. “The way that we've attacked this research is looked at basically the ratio between how much retail space we currently have and the population at the moment as well. And so when you look at that ratio, which is around about 0.5 square metres per person across the country, then when you look at the population growth that New Zealand's going to go through over the next sort of five years, we can understand that to keep their ratio we just need more space. “And so we are seeing a bit of development across the country, which is positive. It will help to start, I guess, eat away at some of this growth forecast that was required in retail floor space. But yeah, there will need to be a lot of that around in Auckland. They've got around about a third of all the retail supply across the country so from that perspective, it is a significant amount that will probably happen in Auckland.” I was listening to this, and I was thinking why don't we use the retail space that's vacant right now before we build anymore? The way he was talking it was that demand is such that you've got queues of retailers hammering on the doors of existing retailers, begging to take over the space, and that is simply not what I am seeing. I would love to know what your main street looks like? I know JLL is a commercial property leasing company, you have to talk up your business, but there's talking up and then there's downright delusional. If you have ventured into your local mall, how many sites are boarded up or being used as displays for the stores that remain or have these poor people sitting there gazing at you as you walk past, willing you to come into their store? They'd be lucky if they have four or five customers in a day. I've never seen it so bad. It's not just my anecdotal experience either. I thought it might have been, but according to OneRoof, New Zealand's commercial property market in 2024 has been one of the toughest in two decades. High interest rates, remote working online shopping leading to higher vacancy rates and soft rental growth. Bayley's commercial and capital figures show commercial property sales plummeted since 2021 in both volume and value, and we're sitting back where the market was in 2001 and 2002. Westpac said in early December the market had fallen around 10% since its peak in 2021. The value of sales dropped below $6 billion over the 12 months to June 2024, the lowest in more than a decade. So who's right? How can we possibly need up to a quarter of a million square metres of retail space in the next five years when so many shops are sitting empty? What are you seeing, because I am not seeing what Mr. JLL is seeing. The one thing I would agree with in the report is that along with the fact that we need three or four new 277's, is that Kiwis still value in-store experiences. And for those stores that remain, by crikey I do, I love a good in-store experience, and I get them. Where you've got people who've been in business for years who know their business, who know that there is online, so they upgrade their websites, they get with the programme. I was in Tauranga on Friday. There's a store called Wendy's there that's been there since 1984, and it's still doing a roaring trade. Great website, it was absolutely packed, knows its customers, and the staff were incredibly helpful. It's seen off recessions, it's seen off online shopping. If you know your stuff and you will have stores like that up and down the country, you stick with your knitting, you adapt with the times, you know what you're good at, you take on board what you need to grow with your customers, you'll be fine. And you cannot beat a good in-store experience, but bloody hell, it's tough out there. So how on Earth can we fill four or five massive new shopping complexes, which is what Chris Dibble was saying? Would it not be best to start with filling the existing stores that have vacant right now and have been vacant for far too long? See omnystudio.com/listener for privacy information.

Public transport is brilliant when it works. You cannot beat it for convenience, for timeliness, for moving large numbers of people expeditiously and in an environmentally friendly-ish kind of a way, when it works. When it doesn't, it's a pain. Look at the poor Auckland rail commuters this morning – due to an infrastructure issue at Penrose, there were delays and cancellations. No services running through Newmarket on the Southern line, all Southern Line services were running via the Eastern Line, Onehunga line services cancelled until further notice. Just what you need, and not for the first time. Auckland's rail network rebuild started in January 2023 and in its final stages, as announced, there would be 96 days of train closures from Christmas 2025 through to January 2026. KiwiRail chief infrastructure officer Andre Lovatt said the work was critical to convert the existing network, which was designed for freight trains, to one that has the capacity to carry faster and more frequent trains, about 16 an hour when the CRL opens. And when they're running, and when it's working, and when there aren't closures, it will be brilliant. It will be a really efficient way of moving people about the city at critical times. A lot of the really long-term problems will have been fixed, he reckons, so that means they'll be able to focus on preventative maintenance, and he's promised the long periods of closure won't be required in the future once the work is done. The Government, too, appears to have faith in the rail network in our major cities as a means of transporting commuters. They also appear to have faith in its ability to shift freight, with the pre-Budget announcement of a $604 million investment in rail. Chris Bishop, the Minister for Transport, said investment in the Auckland and Wellington Metro network would enable vital and overdue work to be carried out. I thought vital and overdue work was already being carried out, but clearly there's more where that came from. A backlog of overdue renewals had made the services less reliable, with commuters experiencing ongoing disruption in recent years, and indeed this very morning that the announcement was made. Winston Peters, the Minister for Rail, says rail currently moves 13% of national freight and a quarter of New Zealand's exports, complementing the truckies during the short hauls. He says the rail network investment programme for 2024 -2027 is now funded, meaning maintenance, network operations, asset renewals and modest improvements are funded. We have a legacy for rail freight, says Winston Peters, and this builds on it. So there has been much investment in varying sorts of rail over the last two to three governments. Yes, we have a legacy of rail but clearly there is a commitment to a future for rail. Both in terms of Metro commuting and in terms of freight. I would love to see rail be a big part of our cities and of linking the provinces for commuters and of shifting freight – it's interoperable with the trucks. But we don't seem to have been terribly well served when it comes to getting value for money for our investment. I'm not even going to talk about light rail because I'll probably have a cardiac infarction and that will be the end of that, if you just think about the money that was wasted on that. We have a legacy of rail, is it a part of our future? I would really like to think so. I would really like to think that Andre Lovatt is right, that when it comes to Auckland in particular, all of the disruption and all of the inconvenience and all of the teeth grinding frustration of commuters will come to an end. The work will be done, they will get ahead of themselves in terms of renewals and remediation, and be able to be proactive in maintenance so that things don't come to a grinding halt. I would like to think that the rail tracks could be upgraded so that transport between our ports isn't just solely dependent on our trucks. That more of the load could be shifted onto rail making it easier for everybody – those using the road, the exporters, those working in the ports. But we have been so poorly served by the money that we've invested as taxpayers. We've earned the money, we have asked our bureaucrats and our governments to invest it wisely on our behalf. Most of us, I think, support some form of rail but I would really like to see more accountability for how it is spent and for delivery. KiwiRail says yes, you'll get that. We're getting ahead of ourselves by 2026, we'll be sweet. Do you believe that? Winston Peters says we have a legacy for rail freight. Do we have a future when it comes to rail freight? I'd really like to hear from those who do the heavy lifting for this country, metaphorically and literally. Can we have more than the 13% of national freight and a quarter of New Zealand's exports on rail? And when it comes to commuters do you have faith that this will be a brilliant, convenient, timely, fantastic way to travel in the near future? See omnystudio.com/listener for privacy information.

There are hopes investment in rail is just the boost Auckland needs. The Government will tip more than $600 million of Government funding in Budget 2025 to fully fund the Rail Network Investment Programme until 2027. The freight network will get $461 million, and $143 million will be spent on Auckland and Wellington's metropolitan trains. Greater Auckland director Matt Lowrie told Kerre Woodham some maintenance hasn't been done for decades. He says that now that funding is coming through, they'll be able to get improvements done so they can actually maintain and continue to improve services. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Northland might be the meth capital of New Zealand, but Hawkes Bay wouldn't be far behind. One tiny town – Waipukurau - recorded the biggest increase in meth consumption in the country in 2024. It was up more than 300 percent. What concerns the local coppers is that the community staying schtum about who's supplying the drug as Inspector Martin James told 1News last night. “One of the key concerns for me here in Central Hawke's Bay is a lack of information that is coming through from the public to support us, there will be people within this community that know who are supplying this drug, this heinous drug, and we need them to come forward." Well, there might be people who know, but locals who have spoken to by 1News said they'd never seen any evidence that their town had such a huge meth problem. And I guess you wouldn't if you if you don't do meth, it you don't know people who do meth, then you're not going to see the problem. The police are depending on those who do know. And they might say there isn't a problem in their small town, but surely wastewater testing doesn't lie. The only reason I could think of that you'd see a spike like that would be perhaps a drug dealer has seen the light, had a road to Damascus moment and is going to turn over a new leaf and has flushed tens of thousands of dollars' worth of meth down the dunny over a period of weeks, but you know that is unlikely. This is just the latest call from police, iwi leaders and the Police Minister for the community to play its part in thwarting the gangs and the drug dealers and in saying no, you're not dealing here, not in our town, not to our people. They want the community to be proactive in terms of stopping meth, taking a hold in their communities, but how realistic is it to expect people to dob in their relatives or friends? It would be hard enough when you're an upstanding member of the community with no links to gangs to give police information that could lead to an arrest. You might be concerned about ramifications to your business or to your home or to your family. But imagine if the drug dealers and members of your very own family - you give information to the police that leads to a conviction for dealing, not possession, but dealing, you know that the person will be going inside for a very long time. You might hate the crime, but loved the crim. How do you reconcile helping the police with their inquiries with the knowledge that there could be an enormous impact on your own family member?See omnystudio.com/listener for privacy information.

The Green Party is suggesting an overhaul of the tax system in their alternative Budget. It includes taxing wealth, inheritance, gifts, and private jet journeys, and they say it would bring in $88 billion in revenue over four years. New income tax rates of 39% on income over $120,000 and 45% on income over $180,000 would be introduced, and the corporate tax rate would be raised to 33%, 3% higher than Australia's current rates. Malcolm Rands is the spokesperson for the ‘Open Letter on Tax' released in May 2023, in which 97 people leading “financially comfortable lives” expressed their willingness to pay more tax. He told Kerre Woodham he thinks people who can afford more aren't contributing as much as they can. He says taxes don't just fund social welfare and education, but also things like climate change and the infrastructure bills being passed that will need funding. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Are the Greens bonkers? The Greens have come out and criticised Judith Collins for tinkering with the Public Service Commission census – that's a voluntary survey run over three weeks and it's a follow up to the initial 2021 survey of the same name. Now Judith Collins and her office had a look at the 2021 survey, and they suggested a few changes. They had thoughts about the census, and they said we don't really need the questions about disability, rainbow identities, religion, te reo Māori proficiency levels, on-the-job training, and agencies' commitment to the Māori-Crown relationship. Instead, Judith Collins' office said, we want to put in a new question about whether public servants give excellent value for my salary, there are instances when I consider my work wastes taxpayers money, or I would rate my manager as someone who cares about the effect of my work. They're focused on productivity rather than personal well-being, which seems to be what the 2021 survey was all about. So the Greens and PSA Union have come out and said it's a form of political censorship, he says several ministers seemed more interested in fighting imported culture wars – there's all kinds of criticism for putting in questions on productivity. Judith Collins says she doesn't really care, to be honest. She says: “I think the Greens are frankly bonkers. I mean, how can they find it difficult that the public service should be delivering value for money? The Greens can go off on their fine little tangents. Frankly, that's their problem. I think it's very, very important.” So bonkers. The Greens received the same criticism from some quarters when they released their Budget this week. They pledged, among other things, free GP visits, free childcare, funded through new taxes and increased borrowing. The policies include a wealth tax, a private jet tax, ending interest deductibility for landlords, restoring the 10 year bright-line test, doubling minerals royalties, and changes to ACC levies. It would see net debt climb from 45% of GDP to above 53% by the 2028/29 financial year. Criticism was immediate. Idealistic pie in the sky, policies that would mean the death knell for Kiwi businesses. Clown show, economics, Marxism. You probably heard it, you may even have uttered a few criticisms yourself of the Budget. But is it bonkers? Yes, net debt would climb from 45% of GDP to above 53%, but 60% is considered a sustainable level of debt. It's considered a prudent level of debt by economists around the world. Sure, they're talking bigger economies and when you're a smaller economy, you don't have as much wiggle room, 60% would probably be way too much for a country as small as ours. But 53% – is that completely unsustainable? And do all Kiwi businesses think this is nonsense? I don't think so. Remember the group of millionaires who wrote to the government a year or so ago? I think it was in the final stages of the last Labour government. It was a group of 96 wealthy New Zealanders who called on the government to tax them more. In the open letter, they said the current tax system contributed towards the gap between the poor and the wealthy. They said they didn't mind if the taxation is done through increased income tax or wealth tax, or a capital gains tax, but the increases should only apply to the wealthy. Now, how do you define wealthy? According to the Greens, if you're on $120,000 a year, you should pay more tax, Under the Budget that they released —the proposed alternative Budget— If you're earning 120,000 a year, your tax will go up to 39 cents in the dollar. If you're on $180,000 your tax will go to 45 cents on the dollar. Does that then put you in the group of 96 wealthy New Zealanders wanting to be taxed more? When it comes to the differences between the parties, how helpful is it for the name calling, for the bonkers? Do we need to have a look at what policies might work? Are they aspirational policies? Are they policies that need more thinking through? I mean, when you look at the previous Labour government under Jacinda Ardern, initially there were some great ideas. I thought brilliant, fabulous, but they hadn't been worked through, and the unintended consequences was so damaging, and the fallout was so great, from nice ideas that hadn't been thought through. So before you dismiss ideas completely, is it worth looking through how they might work? Is it worth discussing rather than dismissing ideas completely out of hand? Could there be a generational and ideological divide that blinds us, perhaps to some good ideas? See omnystudio.com/listener for privacy information.

Well, what a to-do. The image of Deputy Prime Minister Winston Peters slumped in the House, head in his hands, summed it up really. Brooke van Velden dropped the C-bomb in the house, quoting a Stuff article whose author used the word in criticising the government's decision to amend the pay equity legislation. The coalition's female MPs are angry that Labour MPs, particularly the female MPs, have not condemned the journalist's use of the word, which was used as a derogatory in the article. Judith Collins, head of the Privileges Committee, was on with Mike Hosking this morning, ostensibly to talk about the suspension of three Te Pati Māori MPs for their haka in the House, but during the chat she deplored the decline of standards in the House. “There's a lack of civility now and it's not acceptable, and I feel that the comments of the print journalist in the Sunday Star Times this last Sunday was one of the lowest points I think I've seen in 23 years. That and what happened on the 14th of November in Parliament. It's just the sort of behaviour towards each other that is despicable. So I'd say to Brooke, you know I wouldn't use the word myself, but I did feel that she at least stood up for herself and for all the rest of us, and I am waiting for someone of the left persuasion in our Parliament, one MP, just one, to come out and say it's not okay to attack people just because you don't agree with what they do.” I think she'll be waiting a while. Karen Chhour has been consistently attacked by Labour MPs and Te Pati Māori MPs, really for just for being a Māori woman who has the temerity to be an ACT Party MP. And to be fair, when Jacinda Ardern and her preschool daughter were receiving violent threats —violent sexual threats, some of them very real and credible threats— there wasn't a universal condemnation of the abuse from National and ACT. Certainly Judith Collins, when she was the opposition leader, said she did not want to see Jacinda Ardern threatened when she visited Auckland in 2021 after the three-month lockdown. She said I don't want to see anything happen to the Prime Minister or have her threatened in any way. I think it's not good for our democracy and also it is not right for people to do that to each other, which is true, and good on her for saying that. But at the same time, it's hardly a universal, strident condemnation of the threats that the Prime Minister of the time was getting. We were discussing this before the show, one of our colleagues said politicians need to be better otherwise people will just give up. They'll look at the carry on, they'll read the stories and think I'm not going to vote. I argued that there are House of Representatives – they are us, to borrow a phrase. Abuse of MPs on every level increased in 2022, 98% of them reported receiving some kind of harassment. Women were considerably more likely to face abuse on most counts than male politicians. Abuse increased across 11 of the 12 different mediums, with social media overtaking emails, faxes and letters as the most prominent. That came from us. That's men and women, normally erstwhile, law-abiding, God-fearing people who suddenly became more strident. It was a result of societal factors, of lockdowns, of decisions made that had an enormous impact on people's lives and livelihoods and families. And there will be people who will never forget what happened. It can't be undone. But that all resulted in extremes, in the use of language and the vehemence of our opinions and our tribalism. I had a public Facebook page for years. I think in the in the seven or eight years I had it before Covid, I blocked two people. Once Covid started, I just got rid of it because it's why would you be a sitting duck? When I first heard about the death threats against Jacinda Ardern, I thought, well, who hasn't had them? You know that is not normal. That's not a normal response. The days of Socratic discourse are long gone. So does that mean we have to give up, my colleague asked, that we have no expectations of our MPs? No. But I think before we ask anything of our MPs, we look at ourselves. I was thinking about that this morning. Can I call out the Principles Federation representative and say before you start looking at the government, how about you call out the poor parents who send their kids to school unable to hold a pen and not toilet trained? Whose fault is that? That is the parents. Can I say that? Absolutely I can. Should I mimic her voice while I'm saying that? No, I shouldn't. Talkback's a robust forum. It's a bit like Parliament, people get heat up. We're allowed to have opinions. We should have differing opinions, but before I'm going to ask anything of our MPs, before I ask anything of my fellow journalists, I'll have a look in the mirror and check myself out. See omnystudio.com/listener for privacy information.

In this spirit of taking the good news where we find it, I was absolutely delighted to see the results of Inland Revenue going after student loan defaulters. At the end of April, there were 113,733 people with student loans believed to be based overseas. If you're based overseas, you don't get the student loan automatically taken out of your pay packet. Overseas, it's up to you to make repayments, and more than 70% of those are in default on their loans – so it's up to them to make the repayments. Despite the extraordinarily expensive tertiary education they receive, they don't seem to understand what a loan is. They owe $2.3 billion, of which more than $1 billion is penalties and interest. Even if you wiped the penalties that is still $1 billion, owing to the taxpayer. We paid for the lion's share of the education, around 70% of the true cost of the education, they took out a loan which was paid for by the taxpayer, and $1 billion is owing to us. For about 24,000 of these overseas based borrowers, the debt is more than 15 years old. Inland Revenue has collected more than $207 million in repayments since July last year from student loan borrowers living overseas, and that's 43% up on the same period the previous year. And the reason for the sudden flurry of productivity and getting the money back? Inland Revenue was given the money, student loan compliance funding, to go after the little thieves, so they finally had the resource to be able to do it. According to Inland Revenue, they've contacted more than 12,000 borrowers – 1,320 of them have entered repayment plans, 960 have fully repaid their overdue amounts. Inland Revenue has seen a collective repayment of $9 million once they took an interest. Thank God. The department is also looking at borrowers who own property in New Zealand – there are just over 300 of them. And ever since “hello, it's Inland Revenue on the phone. We understand you owe us money. We also understand you have property in New Zealand”, shockingly, these people are suddenly able to find the money to repay the New Zealand taxpayer. So they've paid up $1.7 million. Any defaulters within the group who have refused to engage and resolve their defaults, says Inland Revenue, will see further legal enforcement taken, which may include New Zealand based bankruptcy or charging orders over their properties. They're doing the same for student loan defaulters who have investments or bank accounts receiving interest income in this country. Just watch these people suddenly come up with the money they owe once they realise Inland Revenue will be able to go sniffing around in their accounts. And as a last resort there'll be arrests at the border. This is so overdue. In the past there seems to have been a reluctance to go after overseas based student loan defaulters. What about when they all flocked back to New Zealand during the Covid times? That was the perfect time to collect the money owed. It is a kindness to the borrowers to keep that student loan debt at the front of their minds. If you can forget about a big debt, if there are other people screaming at you for money who are up in your grills, you'll park it and put it to one side and think I'll do that when I get a bonus at work, or I'll do that one day, and then it gets so big that it becomes terrifying and you just don't think about it. You will remain in blissful and wilful ignorance of the monies owed, and then the penalties and interest that blow out that original loan. Keep it at the forefront of their minds. There are all sorts of arguments that have been put up by student loan thieves over the years. We're the best and the brightest. If you come after us, we won't come home. We'll keep our enormous intellects overseas. Well, you can't be that bloody bright if you don't understand what a loan is, can you? It's not a gift. It was a loan. You have to pay it back. Another argument is, “it's all right for you, your generation got free university education we had to pay for it”. Well, it was really the generation before that received free education. But back then, they really did only take the best and the brightest, numpties need not apply. Total enrolments at all universities in New Zealand was 16,524 in 1960. Today there are 177,000 university students in New Zealand. I'm quite happy to have a discussion about making unit centres of academic excellence and restricting access once again to only the very best and the brightest and pay for that education, absolutely. If we reduce it down from 177,000 to 16,000, we can afford that. Happy to have a chat about means testing but not until you do what most of us manage to do, even the most lowly qualified of us ... pay your bills and pay what you owe. See omnystudio.com/listener for privacy information.

School principals say they're grappling with growing numbers of new entrants with behaviour and oral communication issues - and believe the Covid-19 pandemic is to blame. They're calling for more investment in learning support to help address the problem. Kerre Woodham believes the problem lies not with the education system, but rather with parents who fail to prepare their kids to enter it. "How about principals, instead of moaning and grumbling and demanding more of the taxpayers' money to shore up the gaps and poor parenting, actually call the bloody parents to account." LISTEN ABOVESee omnystudio.com/listener for privacy information.

Inland Revenue says attitudes are shifting among student loan holders living overseas. More than $200 million has been collected from overseas borrowers since July last year – a big annual increase. More than 24,000 people are thought to be overseas, collectively owing $1.3 billion on loans going back more than 15 years. IRD's Jane Elley told Kerre Woodham since they received additional funding they've been able to ramp up their workforce, enabling them to be a lot more targeted when chasing debt. Her advice to anyone struggling with their loan is to get in contact with the IRD – ignoring the problem only makes it bigger. LISTEN ABOVE See omnystudio.com/listener for privacy information.

This particular pre-Budget announcement should be music to the ears of parents who are currently working every hour God sends to pay for extra maths coaching for their children. You might have heard them on this show before – parents who really can't afford it, but say to themselves they can't afford not to, pay for the sort of tuition that teachers are unable to give in school, that one-on-one coaching to fix the gaps in literacy and in maths. Core subjects that teachers should be able to teach and should have time to provide extra support for those children who needed a little bit of a catch up, but in the modern-day classroom environment, it appears they cannot. Next week's Budget will include nearly $100 million in funding over four years for students who are underachieving in maths, including $56 million for the equivalent of 143 “maths intervention teachers” in primary schools. I didn't know we had a “maths intervention” tree, but it will be fantastic to pick 143 teachers off there and pop them in the classrooms. Perhaps they'll come out of the after-school tuition programmes. From next year, all students will have their maths ability checked in their first two years of schooling, which is fantastic. You have to know where you're coming from, you have to have a base from which you can start. Education Minister Erica Stanford said the maths check scheme would cost $4 million and aims to identify students who need more support, similar to the literacy phonics check unveiled last year, which is going, by all accounts, great guns. So that's $100 million that we've got, that's $56 million spent on the maths intervention teachers, $4 million for the maths check scheme, and according to my maths, that leaves us $40 million that will fund small group maths tutoring for up to 34,000 year 7 & 8 students each year, from next year. Hell-ay-jolly-lujah! As I say, parents are trying to shore up the gaps in their children's maths education by enrolling them and after school tuition at considerable expense will be absolutely delighted. Are the teachers? Thank you for asking. According to Upper Hutt Principals Association president Robyn Brown on Early Edition this morning, not so much. “Unfortunately our problem doesn't sit in maths. We are desperate for learning support and if we want to improve achievement, we need to put every cent we have into learning support rather than ring fencing it just for maths. We know that that's not going to make a huge difference. At the moment we have inadequate PLD or professional development for teachers. On a curriculum that they've only had two terms to teach so far, it's not been implemented with ability, we have no way of even assessing it yet.” It would be great if you could say $100 million investment in our classrooms is fantastic, but I guess you're not going to get that from Principal Associations and education ministries. They have been saying for some time, since Labour was in power, that they need more professional development. They need more time and there have been many, many changes within the schools around the curriculum, and I don't blame them for wanting to catch a breath, catch up with what this iteration of the curriculum looks like. But when she says math isn't the problem, that is the problem. In 2023, New Zealand students recorded their worst ever results in the OECD Programme for International Student Assessment. The average student dropped up to 15 points in maths, one of the worst performing. It's not a one-off. New Zealand's “achievement” in maths has plateaued for the past two decades. And then you had all this nonsense back in 2022, saying they get maths anxiety before tests, they're very anxious. They're actually brilliant at maths, they just get very anxious before exams. What tosh, absolute nonsense. They don't know the answers – that's where the anxiety comes from. They're not prepared; they don't know how to do it. Parents know this. They will welcome this investment even if the teachers don't, or the teachers' unions and representatives don't. When it comes to the learning difficulties, that surely is a separate matter entirely. Neurodiverse kids, kids who are behind the eight-ball from the time they were born because of the damage done in the womb, that is complex, it is difficult, but surely it's a completely separate issue. I'm not sure it should be conflated with your average school kid needing to do better in core subjects – children who are able to learn from a standard curriculum, who want to do better, who deserve better, who should be doing better. I'm sure there's a shopping list a mile long that any teacher or principal has when it comes to doing the best for the kids that turn up in their classroom. Too often your ordinary, everyday children are getting left behind and forgotten. They deserve the best. They deserve to be supported and encouraged and just see how far they can go, not have all the money spent on trying to deal with incredibly complex and difficult situations with families and children. How about a little support for these kids whose parents are doing the best by them, whose teachers are trying to do the best by them but they're getting dragged in so many different directions and situations? I'm all for this this. It's fantastic. Have the base check, know which children are going to need the extra support, target it to them and hopefully, hopefully in a few years we won't have children leaving primary school who are illiterate and innumerate, because that has been a crying shame for the past two decades and that is only going to benefit New Zealand to have a better educated populace. See omnystudio.com/listener for privacy information.

The government sent a strong signal to boy racers that their days of running amok on the roads are over. Car crushing is not new, it's been announced before - Judith Collins was police minister in 2009 when car crashing legislation was introduced for recidivist boy racer offenders, hence her sobriquet, Crusher. In fact, only three cars were crushed and Judith Collins wasn't the police minister by the time it happened, because he needed three strikes before a car was crushed. Anne Tolley was the police minister when the first of the three cars was crushed. But despite the fact only three ended up in the jaws of the hydraulic crashes, Judith Collins said the legislation worked as a deterrent. Vehicle offences lowered by 15% in the first year of the legislation and she said police had seen a massive drop off in the number of complaints about boy racers. At the time, Collins wanted to see the legislation extended to cover those who fled police. Now, a decade and a half later, it's happening. Chris Bishop and Mark Mitchell have announced a suite of legislation aimed at dangerous drivers. According to Chris Bishop, Kiwi's are sick of seeing idiot drivers putting everyone around them at risk, so the governments going to take action through a range of much tougher penalties. And they are: Establishing a presumptive sentence of vehicle destruction or forfeiture for those that flee police, street racers and intimidating convoys and owners who fail toidentify offending drivers. Giving police more powers to manage illegal vehicle gatherings by closing roads or public areas and issuing infringements. And increasing the infringement fee for making excessive noise from or within a vehicle from $50 to $300. The changes will be introduced in new legislation and in mid-2025 and Chris Bishop says convicted fleeing drivers, boy racers and people participating in intimidating convoys will have their vehicles destroyed or forfeited. No three strikes. When you commit an offence that comes under this legislation your car will be gone. But I owe $30K on it! Tough. You'll keep paying it off to the finance company, but you won't have a car. Is this sort of heavy-handed legislation necessary? Well, yes according to the Police Association President Chris Cahill. The one conviction, rather than having to have three convictions under the current law, should make a difference. Look, we've got to do something. These things are out of control and they're not just anti-social boy racing. These things have got to the point where they deliberately antagonising police when they turn up – They're getting bottled, they're getting their cars rammed and the public had gutsful of it when it's in their neighbourhood, so I think it's worth a try. Worth a try? Well, yes, it worked before apparently according to Judith Collins, and she had the stats to support it. When it was introduced critics said, well, only three cars were crushed. Precisely, she said, because people changed their behaviour. She said clearly these boy racers aren't idiots. They don't want to lose their cars, so therefore they won't commit offences that mean their cars will be seized and destroyed and if it works as a deterrent, so much the better. I'm glad to see that they're going to extend the legislation to those who flee police. That can only make the roads safer. I'm all for it. Ever since I began doing talkback, which is going back a very long time, there have been problems with young people, men and women, and not so young, those who are old enough to know better getting together and deciding that parts of the roads belong to them and are going to be their private racetrack. And there's a school of thought that says, oh, they're just kids, they're just having fun, this is how they learn to drive. There's nothing for them to do, this is their passion. Well, no, there are plenty of places where these young men and women can go on race legally if they want to prove themselves. And don't come at with me with the ‘it's expensive'. You choose to spend money in all sorts of ways. Your cars are expensive. You take pride in them. Pay the money. Go to a racetrack where you can really prove yourself. It's not harmless fun. Not when people have been killed, maimed and injured. And not when it's costing hundreds of thousands of dollars. Not when you're filthy little oiks leaving your rubbish everywhere. Not when you're abusive. Enough. You won't get your car seized if you don't break the law - really easy. You won't get your car seized if you stop for police when they tell you to do so. You won't get your motorbike seized when you and your dodgy mates don't get together in a convoy and break the law and stick two fingers at the police and at us. It's really simple. Nobody's coming after you. If your car is seized, you've gone looking for trouble. Bring it on.See omnystudio.com/listener for privacy information.

There's bad news, really, and it's been coming and I think I've had my head in the sand for some time. I've been wanting things to get better quickly. I've wanted things to move out from grindy-ness, and a lack of fun, and excess, and nonsense. It's just been for four years of long, slow grind, it seems. Well, Matthew Hooton's opinion piece in the New Zealand Herald has laid it out starkly, unequivocally, in no uncertain terms. The grindy times are here for a long time, as he says. Brooke van Velden's constitutionally dubious and deeply unpopular legislation to amend the Equal Pay Act and more bold moves like it, are now unavoidable, whether they take the form of massive spending cuts, much higher taxes, or most likely, he says both. And the reason? Successive governments have been on a massive jolly, and now we, and successive generations have to pay for it. As Hooton reminds us, Treasury began formerly warning in 2006, about the looming fiscal challenges after 2030. It expected future governments would follow the responsible fiscal management of the Bolger, Shipley, and Clark governments, that they would maintain surpluses, pay back debt, put aside cash for a rainy day. Had we heeded the advice and followed the blueprint, we would be 15% of GDP in the black this year. Instead, the Key-English and Ardern-Hipkins Governments went on a 15-year spending spree, putting us 23% of GDP in the red, despite the Super Fund's returns on investments exceeding expectations. You can say what about the Canterbury quake, the GFC, and Covid? You can say all of that. But he's quite right. Successive governments have had to recover from crises, but they've also used that time to have a spend up, to push through expensive legislation and policies, of their choosing, of their ideology, while at the same time having to fork out billions in damage recovery. So, the four years of grindy times are going to be nothing in comparison to what we are going to see. There's more with this came from. Thanks to the Key-English and Ardern-Hipkins legacy, we're nearly 40% of GDP, or more than $170 billion, behind where Helen Clark, Winston Peters, and Sir Michael Cullen planned back in 2006, just as baby boomers retire and health costs start to explode. He says and argues without radical policy change, there is no plausible scenario that doesn't lead to eventual financial and social collapse. I urge you to read it and have a look and see what you think. That is why Labour's well-intentioned and accurately costed ill thought-out legislation is being scrapped. That is why superannuation and healthcare costs will be put under the microscope as costs balloon. And that is why I would argue, National and Labour need to work together to get us out of this mess. Treasury warned of the fiscal challenges in 2006. They warned of them again in a 2012 post-election briefing to John Key, the papers stressed again as baby boomers move into retirement, New Zealand's 65 and over population is projected to grow nearly four times more quickly than the total population, and consequently there'll be a rapid rise in health, aged care, and New Zealand super costs. Treasury said the fiscal challenge is considerable. There is no way to avoid making trade-offs. Given the potential economic and social instability that could result from any uncertainty about these trade-offs, we think it's crucial that effort be made to build broad public consensus on the way forward. And that's where we are today. The trade-offs are starting but there's no consensus, because it's just been sprung on us. Well, it hasn't been sprung on us. Treasury have been warning of this for some time, and we have ignored it as voters and the parties have ignored it. Both National and Labour are at fault, but we voters are to blame as well. We can't just stand there saying, “oh, we're victims we didn't know”. Would we have elected any party to government that laid out the grim prognosis for New Zealand Inc. and spelled out the tough measures we would need to take to recover? If Christopher Luxon had stood there in 2023 and said, we're in a real mess and it goes way beyond Hipkins and Robertson, Ardern and Robertson. It goes back a lot further than that and we are going to have to cut the equal pay amendment legislation, we're going to have to raise the age of superannuation, as every other western country we measure ourselves against has done, we're going to have to look long and hard at healthcare, we're have to look long and hard at welfare payments, and we're probably going to have to scrap some of them because we're in a deep, deep fiscal hole. Would we have said thank you so much for spelling it out. We're going to vote National back in to do these austere and tough measures that we need to recover so that we've got a country for our grandchildren. I doubt it. We are just as much to blame. The party is well and truly over, and it has been for some time. We've just borrowed to keep it going and buried our heads in the sand, turned up the music so we don't hear the creaking and the groaning of the economy as it struggles to keep the party going. It's time we all grew up. And it's time both the Prime Minister and the Leader of the Opposition worked together to try and keep the country together while we work our way out of this mess. See omnystudio.com/listener for privacy information.

Warnings to be careful after a string of fires was linked to lithium-ion batteries. Scrap metal company Sims Metal has been fined $30 thousand over a 2023 fire that released toxic smoke near Ōtāhuhu. A massive blaze at a recycling plant near Glenfield last month was also linked to lithium-ion batteries, as well as a number of fires breaking out in rubbish trucks across the city. Fire and Emergency New Zealand's Community Education Manager Tom Ronaldson told Kerre Woodham that lithium-ion batteries are perfectly safe, as long as they're used correctly. He says you should only be charging devices while you're awake, and unplugged as soon as they're fully charged. LISTEN ABOVE See omnystudio.com/listener for privacy information.