My friend passed away this morning after an agonising battle with cancer. One has to wonder how much easier it would have been for her if she had received the treatment she was entitled to at the times she was turned away due to strikes and staff shortages. I’m sure she would still be with us today if she was able to receive the treatments and surgeries she was scheduled for.
Her husband is one of those nice old school Kiwi guys who listens to what he is told and didn’t want to rock the boat. He refused to fight through the management or the media to get the treatment his wife needed because he felt that was not the way you behave. Now he has lost his wife and soul mate too soon. We had to respect his right to be true to himself, but I’m not sure we have to accept the system that put him in that position.
My advice, if you are in a situation like that, where lives can be saved or prolonged and the bureaucratic penguins and the system is holding stolidly fast to this is where the line starts and if you’re not there anymore when you get to the end of the line, will the next patient shuffle forward, make a noise like someone’s life depends on it, especially if it does. People who go to the media miraculously get the treatment they need and sometimes before its too late.
We Kiwis need to stop being PC and accepting the bs that comes from our health industry. Note its not the wonderful hospital staff, they are put in an invidious position by the administrators, by the beurocrats and by the politicians who sleep sound at night and whose close ones are probably not getting turned away because “a registrar is off sick and the shift couldn’t run”. They are the ones who have to lie to the patients and their families when cost cutting measures, old fashioned systems full of lost paper files and ancient systems, and cost cutting means many people don’t get their surgeries, live or die in pain.
This person’s story is over. We won’t be going to the media or fighting because it is not what her husbands wanted. I respect that and much as it burns me, I will not add to his grief or risk creating feelings of guilt to him to make matters worse. He came from a generation who said yes sir, I know you are doing your best and genuinely trusted that. She may still have died, in fact probably would have, but she might have had a few more years and she certainly wouldn’t have suffered the degrees of agony of that she did over the last 4 months. We don’t do that to animals.
If you find yourself in a situation like this, make a noise, get your loved ones help, let the media know and as a country we have to get our government and administrators to invest in the new technologies that in the long run will cost less and save more lives.
On Page 5 of this morning’s New Zealand Herald I read a story with the headline Stick to guns on fee, banks told. Now I’m the first to stand up and say I don’t understand the banking economy as well as the bankers and the politicians, the educators and maybe even Liam Dann, who says we are all behaving like whingers. No I have bumped into Liam many times over the years and the experiences have all been good, but in my mind something isn’t gelling for me. Maybe he or some others can explain where my thinking is going wrong.
First, we are in a global economic crisis and times are tough all over. I totally agree with Liam’s assertion that when I signed for a fixed rate, I signed a contract which is a legal document saying that I would pay the rate for the period on the contract and it would cost me to break it. The banks are saying that they can’t afford to subsidise the cost, but they quickly gobbled up the guarantees provided by the government to help move the economy.
Now I said at the start, that I don’t understand exactly how the banks work. I know that when I borrowed my $165,000 the National Bank didn’t rush out and borrow that sum, they would have signed contracts for millions at really good rates and my loan would have been part of a bundle which allowed them to hedge for a profit. Now I understand that the Official Cash Rate is a major influencer in mortgage and deposit rates, but a large part of the borrowing by the banks is in other countries where the rates are much lower than ours.
As to becoming whingers, I’d like to ask Liam if he thought (irrespective of the contract that was signed) we were also whingers when we saw the gap increasing between lowering oil prices and the retail price of petrol. It was public pressure that almost overnight reduced the retail price of petrol, people whinging that they thought the profits weren’t fair.
When I took out a new fixed loan of $165,000 I based my decision on the advice of bank staff, even though they were careful to say that I shouldn’t take their information as an official position by the bank, the decision had to be totally mine. But the thing is they did give me advice, and I do accept that no one saw the crash coming. On the other hand the banks also said after the problems in 1987 that they would tighten up their lending criteria, which they have obviously loosened as time went on.
So here’s the thing. While we were all struggling with how to afford our petrol, New York Times International Tribune told us that Shell Oil increase their profit by 33%! They said their profit rose to US$11.56 BILLION! Around the same time The Guardian reported that BP Oil increased their profit to 6.7 billion POUNDS. Liam did you whinge about the oil price?
Businesses have clout. In my world of business, contracts get broken when companies have the power to break them. They sign legal contracts all the time, but if they decide that their supplier is making too much profit, the implied threats come out, saying that they have a choice and even though they have a contract, often it is only as good as the money that a business wants to throw at it to defend it. This is something I do know about it. When you try to defend your contract, you use meet and discuss the situation explaining both parties points of view and try to find a common ground because you need that business relationship. This is called negotiation in my book, although some people might call it whinging.
Now I’m all for businesses making profit, it is essential for their survival and I want my bank to survive, but I want them to be fair too. The NZ Herald themselves reported that while ANZ – NATIONAL took a huge drop in profit, they still made almost $1 billion after tax. That means after all expenses were paid. The NZ Herald also reported TODAY that BNZ’s profit is up 15% on last year, so forgive me if I don’t stop and give them a minute’s silence in respect of their tough times.
So I’m trying to figure out why Liam has this perspective. Here are some things I have heard about or personally experienced about contracts in the last several years: before they
A company agrees to buy products manufactured in New Zealand at an agreed fee for a contracted period of time and a contracted price and volume. The buyer then discovers they can buy equivalent product from a Chinese manufacturer and despite the contract and the money the Kiwi manufacturer has invested in staff and plant, breaks the contract and says I can’t continue this deal because the prices were too dear. Never mind that they were already making an extremely healthy retail profit prior to breaking the contrct.
An overseas company buys a NZ company complete with its staff and operations and agrees to maintain all the contracts. They then go through the payroll on a spreadsheet and decree that all staff earning more than $X will be made redundant, but can reapply for new positions where the specification might be modified by 5% at a 3rd of what they used to do, irresepctive of their contribution. The good news for me is that they kept the people who weren’t contributing and areas where they made staff redundant and replaced them with people who were prepared to work for way less, reduced profit and revenue by in one case almost 80%. I think that strategy was illegal, but who wants to burn bridges or be seen as a trouble maker or a whinger.
I’m sure if you are reading this you know of similar situations where businesses break contracts with other businesses all the time. They get away with it because one business has more power than the other and the losing party either can’t afford the cost or the consequences of fighting for what is right. If you know of cases like this, or indeed if you think I am wrong, please comment on this blog. As long as it isn’t spam or blatant advertising, I will publish your comment.
So here’s the thing. Banks used to be community organisations. You used to be able to walk into the bank and talk to the Bank Manager. They would know you buy name. They would give you advice and show an interest in you. They introduced technology that people said would turn them into machines, and in many cases it did, but the machines were of benefit to the consumer and business, such as EFTPOS (which I helped in a tiny way to introduce), ATM’s, Internet Banking and more. These investments saved them and their customers in time and money, but particularly made the banks more profitable by reducing overheads and staff.
When I first wanted to borrow my current fixed loan from my bank, with whom I had banked for almost 25 years, I actually got a better deal through Mike Pero Mortgages than I could from the bank directly. How’s that for 25 years of loyalty? I had to get a broker to get me a reasonable deal from my own bank!
So I’ve had my whinge Liam. It seems it ‘s ok for businesses to break contracts with each other and to fight for them, but it’s whinging if a consumer, a customer for many years of a bank that is making big fat profits out of their dealings with them, and gets a helping hand from the government which in many cases is as a consequence of imprudent lending, which after 1987 they said they wouldn’t do to expect a little help as well, well I’ll accept the title of whinger.
Just as a footnote, my local grocer is going back to India to look after his elderly parents after running his store here for 24 years. For all of that time, he has shown a real personal interest in every customer, he knows most of them by name. He has helped many of them out if they needed something and didn’t have the cash on them. I won’t go through all the little things he did for local people, but here’s the thing. The supermarket is much cheaper and for many people closer, but they still buy from him and he is selling a highly profitable business. Profitable not because it is a Four Square, or because of his location, but because he cares, because he is a person doing business with people and we as his customers want to do business with him.
If the National Bank doesn’t look after me, perhaps go halves on the contract difference or something that shows that they care about my business, my family and my future business (because I intend not only to be around for a long while, if the creek don’t rise, I won’t be whinging, I will be moving with my feet.
Now I am not wealthy, I live in a very average neighbourhood, far from affluent. Having been made redundant twice and suffered badly as a consequence and having little faith in the government to give me any sort of lifestyle when I retire I am being prudent. I have a small savings account (which has helped my kids from time to time with studies, with medical costs, holidays and other interests), I have a modest term deposit, suffient to cover 2-3 months of income should I be so unfortunate as to be made redundant again as is happening to many people right now. I have a mortgage on my home and a mortgage on my rental property which breaks even without paying a cent off the capital (and of course in recent times means that it is worth less than the loan (but this is for the long haul and it will come right.
Sorry, if I’m rambling, but this post is personal. If the National Bank doesn’t come to the party, I will go back to Mike Pero Mortgages who have looked after me so well in past. I will ask them to find me a new bank that will take over my term deposit, my checking accounts, my 2 mortgages, my Internet Banking, my EFTPOS account, my credit cards and will tell everyone who will listen. Liam, mate, I’m not being a whinger in my book, I believe that people do business with people. We have a choice and I will be looking very closely to see if one of the banks realises that a short term sacrifice will amply pay great dividends in the long run. I suspect that the bank that does this and continues to recognise that their profit comes from their customers will grow and thrive while the others wonder what happened.
Liam, this is starting to sound like I am having a go at you. Frankly I was annoyed to read your column in the Herald today. Factually you are on solid ground, a contract is a legal and binding document. But consumers do have power and if they don’t use it, the corporates or anyone that can will walk right over them. Over recent years Kiwis became so PC (politically correct) that they let everyone walk over them. They thought people like Americans and Australians were rude if they complained about a dirty coffee cup in a cafe. The contract was for coffee, there was never discussion over the cleanliness of the cup.That made them whingers. Now more and more people are realising that it not just about the contract, it is about standing up for what is fair, ethical, moral and just. The laws of economics are changing and people have a choice.
If anyone is still reading this soap box and agree or don’t with me, please leave a comment and tell me what you think. I would also appreciate you telling other people about this blog if you think it is worthy. Let’s remind the banks and everyone else that those who recognise and respect their customers will in future grow and thrive, those that don’t might be sitting at home reading reading the situations vacant and wondering what happened and thinking how unfair life is.
While this blog is starting to get a good following, I would love to get more readers and encouraging me to keep writing. If you feel that my blog is interesting I would be very grateful if you would vote for me in the category of best blog at the NetGuide Web Awards. Note that the form starts each site with www whereas my blog doesn’t and is of course https://luigicappel.wordpress.com.
This is a follow on from my blog last week about a day in my life of personal computing in 2013.
So I’ve had breakfast and I go to my PC to check email and messages. My wireless network at home now consists of a variety of devices and networks linked together. These include my Entertainment Server which links to various TV’s around the house, the Sky Dish, cable TV, media audio players and recorders, HD radio tuner as well as the Toshiba Fenininity Server which allows us to control and monitor the stove, dishwasher, washing machine and dryer, climate control, breadmaker and a host of other appliances not to mention the HVS climate control.
I also have the latest Kindle which lets all of us read our personalised news. It aggregates the top stories from mother Herald as well as other papers and magazines of interest so we all get the version we want. Scared the hell out of me the other day when I opened my wife’s logon by accident and all I saw was stories about TV and filmstars and their failed marriages and getting their 23rd adopted child out of Afghanistan which is the new Darfur. But then that is the beauty of it that we all get MeNews and not what someone else wants us to read.
I’m still into social networking in a big way, but have a number of portals that manage and aggregate each of my networks. I check my Music Portal which manages all the sites where I showcase my music. Now I can load my new songs, video’s, blogs and gig calendar onto one site and it updates the 127 sites I feature on in one hit, according to each sites unique specification.
So it’s time to go. I leave the house and activate the alarm which sends a signal to my iPhone to say the system is now armed and hop in the car. I drop the iPhone onto the little tray beside my seat and as I put the key into the ignition and my seat and steering wheel adjust itself to my preferred positions, my phone announces itself to the Wireless CANBUS so that it has access to the entertainment system.
I tell my integrated GPS navigation unit to take me to ‘the office’ select the podcast I want to listen to from those that are just audio as I don’t want to get pinged by the distraction laws and get on the road. As I near the top of Chartwell Drive, my podcast pauses (I used to hate missing stuff when the old system just muted the sound) and the nav tells me that there is a serious traffic incident on High Rd that it has picked up on TMC and would I like to route around it. I say yes, and it seemlessly takes me on down Diana drive and I arrive at work right on time.
As I wait at a set of lights I check the Buddy feature on my GPS and see an image of my wife’s car crawling along Bush Rd on her way to work. Her unit beeps to alert her that I have checked her location and she sends me a smart message back by tapping on the SMS keyboard on her nav unit which uses Bluetooth to send the message via her phone. Her car and system is a bit older than mine. 2009.
When I get to work my phone opens the carpark grill and after I have parked the car, it unlocks the door into the building and then into my office. I fire up my Touchbook which has just been upgraded to Vista (“WE” like to be cautious about our computer network and go to the machine in the kitchen for a perfectly fluffy flat white.
As I have done forever, I start my day with email. My touchscreen notebook is now running Windows Vista Touch and although Microsoft has announced their new OS I will be using this one for another couple of years until our IT Department is comfortable that it is reasonably robust, especially given that it took 3 years to get most of the kinks out of Vista and for a while they went back to offering Windows XP again as an option in the 2nd half of 2009.
One thing that we have now universally adopted is Unified Communications. All my voicemail whether it comes from my landline, mobile or email is now waiting for me in my Inbox and with my iPhone or my notebook.
My days haven’t changed much. Probably the only major difference is that I do now use video on a lot of my phone calls so I can see the person I am talking to. This has saved me a lot of wasted travel time given the disaster that is Auckland’s roads today. They have started building the Auckland Harbour Tunnel, but it will be a couple more years before it opens for buses and T3 (cars with at least 3 peple in them) let alone ordinary traffic. So many meetings have been replaced by necessity with vidphone calls. Of course I can also do this on my iPhone 6, but unless I’m doing it over the Wireless LAN (and we still don’t have one in the office) the costs are prohibitive.
At lunch time I quite often walk to the Subway for some exercise and of course their food has the Heart Tick. On my way, I check out their menu on my iPhone and wonder if the food will look as good as the picture. I specify exactly what time I will get there. On the way back I get the phone to play me some Utterz messages from friends while I’m walking.
On the way home I drive past a bar and get a Speights Mates message saying there is a Happy Hour Running and sending me an eCoupon to get 2 for one in the next half hour and prompting me to hit the forward button to send the same coupon to any of my personal Speight’s Mates who are within a 2km vicinity to come and join me for an after work beer. I love location based marketing and decide it is only right to support people who have invested in this technology given that I helped to develop it. Isn’t that called the fruits of your labour? Yes. I know hops aren’t strictly fruit.
Before dinner, I go to my home studio and record a lead track on my Gibson LP Guitar onto my 8 track TASCAM for my latest song, nothing has changed there really, call me old fashioned. I still have my music on loads of web sites and while I’ve sold some songs, I haven’t scored a number one hit yet.
I bought the new Internet TV Aggregation Server last year and replaced my MySky. Now that I have cable for internet as well as TV, I can cherry pick and watch exactly what I want when I want and am no longer subject to the whims of SKy TV. Yes, I still subscribe to Sky Sports Channel because they have exclusive rights for many events that NZ teams compete in such as All Blacks Rugby and do support NZ sport better than anything else, especially the biased commentators, although I wuldn’t have a problem if Murray Mexted got some new material, but the rest is pretty much free. I don’t have to watch ads although many programs have very overt displays of product i the story.
I finally got an 80″ TV, the largest my wife would let me buy, and that wasn’t easy. Sometimes we have multple screens running so that we can watch different things at once and have adapted to that. We tried the VR glasses from the new Nintendo, but they are very antisocial. Awesome for 3D movies tough! Home entertainment is now awesome. No more channels full of reruns of programs we have already seen umpteen times, I never have to sit through another show of Friends again! Now I can see exactly what I want when I want, subject to agreement in the house of course and we all have to compromise sometimes,
Along with cable came free international calling to anywhere in the world for a modest flat fee, so I don’t use Skype much anymore. Finally a little music from iLike at the end of the day. I kept my CD’s and vinyl as souvenirs, but for a flat fee of $10 a month to our ISP, the house can access and download unlimited music from almost all record companies in MPEG 9 which is great quality at 960kbit/s.
Not a lot has changed in 5 years, but life is certtainly a little easier than it used to be.
While this blog is starting to get a good following, I would love to get more readers and encouraging me to keep writing. If you feel that my blog is interesting I would be very grateful if you would vote for me in the category of best blog at the NetGuide Web Awards. Note that the form starts each site with www whereas my blog doesn’t and is of course https://luigicappel.wordpress.com.
I sometimes wonder about this country. First of all we told the world that we were clean and green and carbon friendly, so we signed the Kyoto Protocol as a sign of good faith. Our government likes to set a good example and we are very PC (politically correct) so we led the way. Of course we noted that countries like the United States, China and other major polluters didn’t sign, possibly because they uderstood the implications better than our politicians did. I believe even Australia didn’t join the party.
Then we started looking inward and understanding the implications and in the last year we have seen dramatic changes in the way we look at ourselves, much of it very good. Business and consumers have been given lots of opportunities to measure their carbon footprint and look at ways that we can recycle and in other ways try to become carbon neutral.
I understand that one of the Agreements we have signed allows us to only have to worry about the increase in carbon emissions since 1999. Now I’m not a specialist in this area and not so much interested in the finer details. I’m happy wherever possible to do my bit as a consumer and in business. I have been recycling and separating paper waste, plastic, metals and glass from my household waste and do the same in the office wherever practicable.
I was surprised to learn recently that even though as a country we are separating waste into various categories much of it is still dumped and not recycled, but that’s another story.
I don’t have a major issue with carbon trading within business in our country, for those who wish to partake, but for many small businesses that it is a problem, yet another compliance issue that makes it difficult for businesses to focus on generating revenue and hopefully profit. This has the potential to damage many industries in New Zealand.
What really bugs me though is that even though we have loads of native bush and domestic forestry and are largely an agrcicultural nation, we will apparently still have to buy carbon credits from other countries who have a better carbon footprint. I wouldn’t have too much of a problem with this if it applied to the entire developed world, but when giant countries who have huge large scale industrialisation and generate mass pollution, greenhouse gases etc don’t and don’t have to participate, this situation is unfair.
I accept that the world can’t go on as it is and that the future landscape for our children and grandchildren looks bleak. I accept that we have to take responsibility and I believe that most New Zealanders do. Even industry such as the Comalco aluminium smelter in Invercargill which could close down due to the proposed carbon taxes claims to be the greenest of the 200 off smelters around the world. If they close due to our governments obsession of being the best example in the world, they will take away 3,000 direct and indirect jobs which in an area of only around 50,000 people could be enough to close the city down economically.
The government want us to pay carbon tax on our petrol which is already up at the highest level it has ever been per litre, as well as adding regional taxes to pay for roading developments, public transport improvements, when traditionally the taxes we pay in this area go to the consolidated fund to be used on whatever they deem important. Fortunately there is a moratorium on this for 2 years, I wonder if there is any relevance to this being an election year. Then instead of using those taxes to improve our country’s carbon footprint, we have to buy tax credits from other countries and then on top of that again, they will want us to spend even more money on trying to become carbon neutral.
All of this in a climate (pardon the pun) where house prices are higher than they have ever been, food prices are going through the roof, interest rates are high, in short the cost of living is far exceding the average income earners pay increases and businesses in the finance industry are falling over. I could go on, but if you live here you know what I am talking about. We don’t have enough money to support our stretched resources in health and many children are going to school without breakfast in our working class areas.
So for all of that, instead of taking carbon taxes and investing them in our own country to improve our sustainability, our government wants to send the money to other countries. I applaud the government for drawing our attention to the environment, to our responsibility to its health and to future generations. But surely the money would be better spent at home? If the rules are not the same and enforcable for the whole developed world, then lets make our home a better place and set the example. We can’t afford to give money to other countries who are ‘greener’ than us, because it sets a good example. Let’s tidy up our own back yard and become sustainable and then say to China and the USA and anyone else that isn’t doing their bit, ‘follow our example’.
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