Many facets of the apparel industry can be inexpensive and easy, even if ethics and organic fabrics are not your priority. Little Yellow Bird Founder and General Manager Samantha Jones has decided to take the hard way. For Jones, raw materials and expensive suppliers on the other side of the world are just some of the costly challenges she faces with her sustainable and ethical clothing brand. “We can not do quick sampling because we only source 100% rainfed organic cotton and our suppliers are in India. The minimum orders from our suppliers for organic tissue are huge, “she says. Saying no to synthetic fabrics and cheap plastic packaging has earned the two-time finalist of Women of Influence in New Zealand’s garment industry, while leaving a positive impact on the environment. “In the early years, all our products were individually wrapped in plastic. That’s how most brand products come in, which seems crazy. “After many negotiations and deliberations from our suppliers on the assurance that the stock was not damaged, we agreed to send our tied products with twill tapes. That means that last year, more than 183 kilograms of plastic were prevented from entering New Zealand, “Jones said. Samantha Jones Jones was inspired by the creation of Little Yellow Bird, specializing in hospitality and corporate uniforms, after leaving the military. “I was so excited to finally have the choice of what I was wearing for my corporate wardrobe but found out that the options were really limited,” she said. She started the business in 2015 while studying at the University of Canterbury and now has more than 400 clients. The company has also diversified into baby clothing and an online e-commerce store offering basic t-shirts and dresses. “I travel to India several times a year, but we have someone who works there full time as a quality controller. In New Zealand, there are only three of us working full time in the company and most of our team and advisory board are women, “said the Westpac client. Inside the Samantha Jones factory in India Little Yellow Bird is developing its business and is aiming to raise $ 300,000 for a PledgeMe campaign and has already raised more than half. The company offers partial ownership of the brand for only $ 500 and full voting rights for all shareholder decisions for anyone investing $ 35,000 or more. Jones said that there were times when she thought her business would not work, but said that it is the belief in her ethical product that makes her move forward. “For those who are waiting for the perfect time in their lives to start a business, there will never be one. Start right now, “Jones advises other budding entrepreneurs. The post Within the high cost world of an ethical clothing brand appeared first on Zebra Mortgages. from https://www.zebramortgages.co.nz/within-the-high-cost-world-of-an-ethical-clothing-brand/ from https://zebramortgages.tumblr.com/post/185075652538
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Dunedin has the highest proportion of electric vehicle drivers in New Zealand, according to a recent study from the University of Otago. The South Island city has the highest number of pure electric vehicles per capita, with 3.73 electric vehicles per 1,000 population, followed by Wellington with 3.19. Auckland had less than one all-electric vehicle for every 1,000 people, but city-dwellers seem to prefer hybrid cars. Aucklanders own just over 2.60 plug-in hybrid cars per 1,000 people, the highest number in the country. However, considering the total number of adoptions combining both pure EVS and plug-in hybrids, Auckland has just over 3.50 per 1,000 inhabitants, which remains lower than Dunedin and Wellington respectively. In Dunedin, the combined EVS and plug-in hybrid rate is 4.34 per 1,000 inhabitants, compared to 4.33 for Wellington. Electric vehicles consume around 30 eurocents per liter of gasoline, emit no exhaust and reduce their dependence on imported fossil fuels. There are also maintenance savings on electric vehicles because a fully electric electric vehicle has only about 20 moving parts, compared to about 2,000 for a gasoline vehicle. Electric Battery Vehicles that run exclusively on electricity with batteries such as the Hyundai plug have a range of 200 km before needing to be recharged. The Hyundai Hybrid Hybrid Rechargeable Hybrid Electric Car, which first uses the battery before switching to gasoline, has a range of 63 km before starting to use its gasoline reserves. Westpac NZ, along with 30 other New Zealand organizations, is on the verge of converting 30% of its fleet into electric vehicles by the end of 2019. Their analysis suggests that each complete electric vehicle would reduce its carbon emissions by four tonnes per year. year. The bank is inspired by the Norwegian model of transition to electric vehicles: its government has stimulated the industry by removing taxes on vehicles and investing in a charging infrastructure adapted. Norway also exempted electric vehicle drivers from the toll and offered them free parking. “We learned a lot from talking to the Norwegian industry about their successful transition,” said Linda Keating, Westpac NZ’s senior sales manager. “They told stories of people lining up in snowstorms to load their cars. If they can do it, we can do it. “ The post Dunedin leads New Zealand in EV ownership appeared first on Zebra Mortgages. from https://www.zebramortgages.co.nz/dunedin-leads-new-zealand-in-ev-ownership-2/ from https://zebramortgages.tumblr.com/post/185051648648 Dunedin has the highest proportion of electric vehicle drivers in New Zealand, according to a recent study from the University of Otago. The South Island city has the highest number of pure electric vehicles per capita, with 3.73 electric vehicles per 1,000 population, followed by Wellington with 3.19. Auckland had less than one all-electric vehicle for every 1,000 people, but city-dwellers seem to prefer hybrid cars. Aucklanders own just over 2.60 plug-in hybrid cars per 1,000 people, the highest number in the country. However, considering the total number of adoptions combining both pure EVS and plug-in hybrids, Auckland has just over 3.50 per 1,000 inhabitants, which remains lower than Dunedin and Wellington respectively. In Dunedin, the combined EVS and plug-in hybrid rate is 4.34 per 1,000 inhabitants, compared to 4.33 for Wellington. Electric vehicles consume around 30 eurocents per liter of gasoline, emit no exhaust and reduce their dependence on imported fossil fuels. There are also maintenance savings on electric vehicles because a fully electric electric vehicle has only about 20 moving parts, compared to about 2,000 for a gasoline vehicle. Electric Battery Vehicles that run exclusively on electricity with batteries such as the Hyundai plug have a range of 200 km before needing to be recharged. The Hyundai Hybrid Hybrid Rechargeable Hybrid Electric Car, which first uses the battery before switching to gasoline, has a range of 63 km before starting to use its gasoline reserves. Westpac NZ, along with 30 other New Zealand organizations, is on the verge of converting 30% of its fleet into electric vehicles by the end of 2019. Their analysis suggests that each complete electric vehicle would reduce its carbon emissions by four tonnes per year. year. The bank is inspired by the Norwegian model of transition to electric vehicles: its government has stimulated the industry by removing taxes on vehicles and investing in a charging infrastructure adapted. Norway also exempted electric vehicle drivers from the toll and offered them free parking. “We learned a lot from talking to the Norwegian industry about their successful transition,” said Linda Keating, Westpac NZ’s senior sales manager. “They told stories of people lining up in snowstorms to load their cars. If they can do it, we can do it. “ The post Dunedin leads New Zealand in EV ownership appeared first on Zebra Mortgages. from https://www.zebramortgages.co.nz/dunedin-leads-new-zealand-in-ev-ownership/ from https://zebramortgages.tumblr.com/post/185050546943 The national celebration of New Zealand’s most inspiring women begins today and applications for the annual Women of Influence Awards are now open. Presented by Stuff and Westpac, this renowned event returns for the seventh year to recognize the kiwifruit women who make the difference, from the world level to the own backyard. In addition to the gala dinner on Thursday, October 24th, this year’s program will include a brand new conference series, with five nationwide events in August. World-renowned fashion designer Karen Walker will host the event in Auckland, while guests will also hear the many varied and stimulating speakers in Tauranga, Wellington, Nelson and Christchurch. Dates of the lecture series August 2nd Tauranga Zespri Headquarters 17:30 – 19:30 August 8 Nelson The boathouse 17:30 – 19:30 August 19th Christchurch Town hall 7h to 9h August 22 Auckland Mercury Theater 7h to 9h August 28 Wellington Te Papa Museum 7h to 9h Sinead Boucher, Managing Director of Stuff, said, “We are very pleased to be able to offer more people an extension of the prestigious and anticipated Women of Influence awards, with events in several regions this year. “The conference series allows events to celebrate women and create a platform to connect, share and celebrate inspirational stories and achievements that transcend as much as possible, and hopefully encourage more power and greater inspiration than ever. “We are also fortunate to welcome the lady Silvia Cartwright, former Governor General and pioneer jurist, to the head of the jury.” Westpac NZ CEO David McLean said the bank was proud to support the Women of Influence program, including the lecture series, to introduce influential women to a wider audience across the country. country. “The theme of this year’s series is” From the grassroots to globalization “. It presents the stories and ideas of women who make their mark not only nationally and internationally, but also in their own communities and regions, “said Mr. McLean. “It also provides an excellent opportunity for women from all walks of life to connect and create their networks. “A woman of influence is a person who creates real change and charts a path for others, at all levels. I encourage everyone to consider nominating someone, be it a friend, a colleague or a long-time acquaintance. “From the farm to European fashion houses, each of us knows women who have inspired us with their words and deeds. These awards are your chance to give them the recognition and praise they deserve. ” The ten award categories include: arts and culture, board and management, business, community / non-profit, diversity, global, innovation and science, public policy, rural and youth leaders. For more information on Women of Influence and this year’s Lecture Series, as well as previous winners, how to nominate and purchase tickets, visit: www.womenofinfluence.co.nz Key Dates of the Women of Influence 2019 Awards: Wednesday, May 22 – Opening of applications Monday, July 15 – closing of applications Friday 2 – Wednesday, August 28 – Women of Influence Lecture Series, five theaters across the country Sunday, September 1st – The finalists of the prizes are announced Thursday October 24 – Awards Dinner, SKYCITY Auckland 2019 Women of Influence Partners, Stuff and Westpac are grateful for the following partners: Chartered Accountants Australia and New Zealand – Diversity Category Sponsor DLA Piper – sponsor of the Board and Management category Massey University – sponsor of the Global category Mastercard – sponsor of the Innovation and Science category Ministry of Women – sponsor of the public policy category Zespri – sponsor of the Rural category SKYCITY – sponsor of the Community Hero category The post Women of Influence Awards open up with the whole new Speaker Series appeared first on Zebra Mortgages. from https://www.zebramortgages.co.nz/women-of-influence-awards-open-up-with-the-whole-new-speaker-series/ from https://zebramortgages.tumblr.com/post/185046972783 “I hear it normally before seeing it. It’s very important to have this security and peace of mind so that if someone has a serious injury, it will not take hours to get to the hospital. ” The South Waikato is home to some of New Zealand’s most scenic hills and burgeoning farming communities, but it’s all about Chopper Country – farm accidents in remote areas are part of the daily life of the region. Andrew McGiven, president of Waikato, Federated Farmers of New Zealand, said the helicopter gave residents a sense of security in the rural landscape. “The Waikato Westpac rescue helicopter spends a lot of time at the nearest hospital. As I live in the bush, it may take a few hours before an ambulance arrives here, “said McGiven. The chopper is so important to local farmers that the Waikato Farmers Trust is one of its sponsors, alongside Westpac. The Westpac Waikato Rescue Helicopter is renowned for transporting wounded patients to Waikato Hospital when ground ambulances can not get to the scene on time. One winter afternoon, a 57-year-old woman suffered a pelvic injury and a broken wrist following a riding accident. The horse fell and rolled over his body on a farm west of Putaruru. The paramedics for the intensive care unit arrived at the Waikato Westpac rescue helicopter and transferred her to the hospital for successful treatment. In 2017, a 12-year-old girl was also rescued by the helicopter crew after an altercation with a cow in Te Awamutu. She was seriously injured after helping her parents move inventory. The animal attacked the girl and threw her against the trailer. The young child had internal and external bruising, ligamentous lesions on the hips and pelvis and mild brain injury, but recovered well after the helicopter’s rapid response to his mother’s call. A medical paramedic from the Waikato Westpac rescue helicopter, Simon Burrows, explains that a typical day for him and his crew could include a hospital transfer for local residents until an incident occurred in the back of a closed. “Recently, we flew to a hut that had burned after a gas tank explosion. The only way to help these two people was to land at night using night vision goggles. Being able to help in this kind of situation is a satisfying part of the job, “said Burrows. The post Waikato Rescue Helicopter Trust: Country Country Profile appeared first on Zebra Mortgages. from https://www.zebramortgages.co.nz/waikato-rescue-helicopter-trust-country-country-profile/ from https://zebramortgages.tumblr.com/post/185003604458 Robert Brouwer sees the Westpac rescue helicopter almost every month. With 20 years of experience in ground search and rescue, he is very familiar with the process. Brouwer is the DoC ranger and goaltender on the Kauaeranga Kauri Trail in the Coromandel Forest Park – often known as Pinnacles Walk. Robert Brouwer “The most common rescue at Pinnacles is a sprained ankle or a fracture,” says Brouwer. “The walk is 6 km long with lots of steps, making it almost impossible to get out. In the same vein, the realization of stretchers is also a challenge and could take five to six hours. Brouwer’s role is often to be the first point of contact for injured people; he administers first aid and cares for the patient until the arrival of the helicopter. He secures the platform at the Pinnacles cabin for landing and crowd control, which can often involve members of the public who interfere while trying to take pictures by helicopter. “I have always appreciated the professionalism of helicopter crews and their good radio communication with me, which allows me to do my part more easily,” he said. The Auckland rescue helicopter from Westpac has already been tasked with four rescue missions at the Pinnacles this year. During the Easter weekend, a man in his twenties fell three meters while walking in this popular place. “The patient was in an uncomfortable place where he could still fall,” said Lincoln Davies, Auckland Rescue Helicopter Trust Communications Manager. On this occasion, members of the public helped the man while the helicopter crew was fetching the terrestrial SAR cable. In January, the crew also helped a fractured teenager with ankle. In February, he was a man in his 20s who was at risk of a broken leg. In March, they were summoned by a 40-year-old doctor. The pilot of the Westpac rescue helicopter, Rob Arrowsmith, who has military experience in the air force, says that the main advantage of the helicopter lies in the speed with which it can arrive compared to the ambulances. Army. “We can get to Pinnacles in 23 minutes, average rescues take 10 to 20 minutes, then it takes 25 minutes to fly to Auckland or Waikato Hospital,” said Arrowsmith. “A month ago, a confident mountaineer near the Pinnacles had problems when his pack of camels was torn apart by a branch. He ran out of water and became dehydrated, so he called for help. We picked it up, took it to the Pinnacles cabin and hydrated it, “he explained. “Most have suffered minor injuries, but the Pinnacles is a very remote area and is not where you want to be, even if you suffer from broken ankle,” added Lincoln Davies. This year’s Easter weekend saw 12 rescues of the Auckland Rescue Helicopter Trust, nearly half as much as last year, but the busy Auckland service generates an average of 1,000 rescues a year, according to Davies. Not only are New Zealand’s remote areas or adrenaline junkies benefiting from rescue helicopters, but Waiheke Island is Auckland’s most popular helicopter destination. The island accounts for almost a third of their annual missions and rescuers are mainly elderly people who need a medical mission to the hospital. The post Chopper Country: The Pinnacles appeared first on Zebra Mortgages. from https://www.zebramortgages.co.nz/chopper-country-the-pinnacles/ from https://zebramortgages.tumblr.com/post/184906059178 “It’s probably the only time you hear about a healthy donut,” says economist Kate Raworth, explaining his business model, Donut Economics. Raworth, from the Environmental Change Institute at Oxford University, rejects the conventional economy and, in particular, the design of GDP growth in the twentieth century. This is a model that was fundamentally damaging to ecology, she said. In New Zealand, to speak at the Auckland Writers’ Festival, Raworth said that the 21st century must integrate human and global prosperity, not just the prosperity of balance sheets. Donut Economics, explained in his 2017 book, Donut Economics: Seven Ways to Think Like a 21st Century Economist Are Based on a Circular Figure (Donut-shaped). “The hole in the middle shows the proportion of people who do not have access to essential resources such as health care, education, housing and income,” says Raworth. The donut’s outer layer represents the ecological ceilings on which human life depends, such as fertile soil, biodiversity and freshwater. “The limits around the limit are our prosperous balanced space where we can live. We know we have to use the Earth’s resources, but we have unbalanced our planet and are collapsing the ecosystem. “Humanity can not cope with climate change, biodiversity loss, land conservation, and nitrogen and phosphorus loads. We are outside the donut on both sides, “continued the economist. Raworth said the 20th century was based on extractive companies, in which companies would see what financial value they could extract from their business. The 21st century should focus on generating companies that focus on the number of types of value they can generate for people and the environment. Raworth, who has shown his diagram to various governments with a positive reaction, said companies can change their expectations and direction of business to have a positive impact on the planet. It encourages all companies to make radical changes now, for example by setting scientific targets for reducing carbon dioxide emissions and by changing the ownership models in which employees can be small shareholders of large companies. “Businesses should do what pays now. They should use ethical supply chains around the world, pay fair tax rates and restore the balance of the planet, “she said. The post Rescue the planet with donuts (kind) appeared first on Zebra Mortgages. from https://www.zebramortgages.co.nz/rescue-the-planet-with-donuts-kind/ from https://zebramortgages.tumblr.com/post/184840660853 Tracey Foley, a woman from the Akaroa, lives in Chopper’s country – a fact that hit his wife pregnant with his daughter seven years ago. At seven months old, Tracy started bleeding and went to work at her home in the isolated peninsula of Banks. She started driving to Christchurch Hospital – on steep hills and along exposed ridges – but the one-and-a-half hour drive was too far away in her condition. The contractions had started and fearing the worst, she had to stop and call 111 for help. The Westpac rescue helicopter arrived and transferred Tracey to the hospital where a team of specialists was waiting to help her, along with her preterm daughter, who both survived the ordeal because of the reaction. fast of the helicopter. Akaroa is famous for its holidays far from Christchurch with its rare Hector’s dolphin and its French colonial history. But tourists arriving in the small town on cruise ships, as well as local residents, are victims of medical emergencies in the remote area. The Akaroa Village Inn is located opposite the main pier where tourist ships frequently dock. Inn owner Darren Angus said he saw the helicopter once every two weeks, depending on the activity in the area. Darren Angus, owner of the Akaroa Village Inn “Normally I see the Westpac rescue helicopter fly over its landing site at the recreation site. I can not wait to see or hear the helicopter because something went wrong, but knowing that it is available comforts the permanent residents of Akaroa. We do not have a hospital here so it is essential to provide services to locals and tourists, which gives us a sense of security and comfort. ” Dr. Alexander Shaw, one of the two general practitioners in Akaroa, also sees the helicopter at least once a fortnight. “I’ve seen some really great flights and excellent patient care, delivered by a team of highly qualified pilots and paramedics in intensive care,” he said. “The Westpac helicopter is definitely a vital asset, it saves lives and gives sick patients the best chance of a complete cure. During the tourist season, we have a huge population influx and our population of 2,000 in the Akaroa region can reach 10,000 people. At that time, we were asked to repair the helicopter two or three times a day, “added Dr. Shaw. In 2018, the Westpac Rescue Helicopter from the Canterbury area took part in 42 missions to Akaroa, said Rick Knight, team leader of the helicopter and paramedic paramedic in intensive care. “We raised six cruise ship patients last year, including five medical incidents and one accident. The other 36 missions took place between the township itself and locations on the Akaroa Peninsula, “added Knight. The crew’s flight time between the helicopter base and Akaroa takes about 12 minutes, depending on weather conditions, compared to an hour and a half of ambulance driving. Fast helicopter service is therefore essential for patients who need urgent care at Christchurch Hospital. The post Chopper Country: Akaroa appeared first on Zebra Mortgages. from https://www.zebramortgages.co.nz/chopper-country-akaroa/ from https://zebramortgages.tumblr.com/post/184840269943 Participation in this draw implies acceptance of the following conditions: The proponent is Westpac New Zealand Limited (“Westpac”). The contest prize consists of a double pass for the fried chicken festival in Auckland. To participate: comment on the Westpac NZ Facebook message with the venue of the festival. Entry Period: May 7th – 9am, May 15th, 2019. A draw among the good entries will take place on the morning of May 15, 2019. One entry per person. Incomplete registrations will be rejected. Registrations are accepted upon receipt and not shipped. Winners will be notified via Facebook. If the winner can not reasonably be contacted within 3 days of the draw, the prize will be canceled and another winner will be drawn. By entering, you agree that Westpac publishes your name, if you win on the Westpac website at westpac.co.nz; the Westpac NZ Facebook page, and in any other forum that Westpac deems appropriate. Westpac employees, their immediate families and associated entities are not eligible to participate or win. 10. The prize is non-transferable, non-refundable, non-exchangeable and can not be exchanged for cash. Westpac may substitute the prize or part of the prize with another prize of equal value without notice. 11. If Westpac can not arrange the draw as planned, Westpac may extend the entry period or postpone or cancel the draw. If this is the case, a notice will be posted at www.Facebook.com/WestpacNZ. 12. Westpac may disqualify a participant to (a) alter the registration process; (b) submit an entry that does not comply with these terms and conditions; or © to engage in unlawful or improper conduct that would compromise the fair and proper conduct of the promotion. 13. All decisions made by Westpac are final and no correspondence will be exchanged. 14. This draw is in no way sponsored, endorsed, administered by or associated with Facebook. You understand that you are providing your information to Westpac and not to Facebook. The information you provide will only be used for the purposes described in these Terms. Each entrant releases and releases Facebook from all risks, claims or actions of any nature whatsoever and in any manner whatsoever that may occur at any time in relation to, directly or indirectly, this draw.] 15. You are fully responsible for the tax consequences of accepting the prize. 16. Except for any liability which can not be excluded by law, Westpac (including its officers, employees and agents) excludes all liability for any direct, indirect, special or consequential loss, damage or injury (including loss of luck and bodily injury). physical or mental) resulting in any way from the drawing of lots or the acceptance or use of a prize. 17. To the extent permitted by law, neither Westpac nor its agents will be responsible for the quality of the prizes once they have been awarded. Nothing in these terms and conditions is intended to exclude, restrict or modify a consumer’s rights under the Consumer Wage Act of 1993 or any other statutory rights that the winner may have with respect to the prize. The post Auckland Fried Chicken Festival Competition Terms and Conditions appeared first on Zebra Mortgages. from https://www.zebramortgages.co.nz/auckland-fried-chicken-festival-competition-terms-and-conditions/ from https://zebramortgages.tumblr.com/post/184748978838 When your home has gained value and you are reducing your debt every month, you can quickly find yourself with a lot of equity in your home. It may be possible to access some of this equity to invest (keeping in mind that repaying your mortgage is the safest and least risky investment you can make). The average Kiwi real estate investor starts using the equity in his house to buy his first rental property. Could it work for you? Before you start browsing the properties online, you need to ask yourself some important questions, says Tracy Creswell, one of Westpac’s most experienced mobile mortgage managers. What is my long-term financial plan? Investing in the property is not an objective in itself. It’s a way to help you reach your money goals, and it may not be the best way for you. Talk to an authorized financial advisor and suggest long-term financial goals, then think about how to achieve them. If the property suits your plan, using your equity to buy a rental could be the right choice for you. What is your appetite for risk? Creswell says she has sometimes seen inexperienced investors buy their first rental, spend sleepless nights worrying about their tenants and their property, and then bailing out three years later, panicked, without earning a buck. If you are not inclined to take risks, an installation in an inexpensive area may not be your best choice. Instead, you may prefer to pay more for a new build and employ a property manager. Or you may prefer to avoid all the stress and just repay your own mortgage. Do you know how to structure your properties? Talk to your accountant before buying a rental. Good advice on structuring your loans and accounts can save you a lot of money and help you repay your mortgage faster. Have you been realistic in your calculations? Using our calculator, you can determine the return and cash flows of a rental property. “Be realistic,” warns Creswell: “The bank is doing calculations by assuming vacancies and interest rate hikes. You will also be assessed to make sure you can pay the principal and interest, not just the interest. “We have to be responsible for this, we make sure you have a safety margin so you can keep your investment.” Are you ready to use your home as security? Say you have a million dollar house with a $ 700,000 loan. Provided your income supports the larger loan, you can borrow up to 80% of the value of your home, up to $ 800,000. This means that you can potentially borrow an additional $ 100,000 from your home as a deposit in an investment property. Investment properties currently require a down payment of 30%. With $ 100,000, you could therefore spend up to $ 333,000 on renting (again, assuming you and the property meet the loan criteria). The loan would be secured on both the rental property and your home. “So, if something goes wrong and you do not repay the loan on your rental, the bank has the right to rent, but also to your home,” says Creswell. “You have to be able to accept the risks, think long-term and have a plan. This is not a quick enrichment ploy, but ownership can be a great way to secure your financial future. “ The post Do you need to use your home equity to buy a rental? appeared first on Zebra Mortgages. from https://www.zebramortgages.co.nz/do-you-need-to-use-your-home-equity-to-buy-a-rental/ from https://zebramortgages.tumblr.com/post/184612184033 |