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VICTORIA’S EGG-CESSORIES: Christmas wish lists vary but some may get exactly (note: we avoided an obvious but some may get exactly (note: we avoided an obvious pun!) what they ask for thanks to Victoria Eggs. With its pun!) what they ask for thanks to Victoria Eggs. With its Christmas range, the gift and homewares company has Christmas range, the gift and homewares company has plucked out some festive items liable to make many a plucked out some festive items liable to make many a Mary merry and a Daisy be merry and bright to boot – Mary merry and a Daisy be merry and bright to boot – sorry, we did not avoid the not-so-obvious puns! Producing seasonal items ranging from baubles to aprons, coasters, mugs, tea towels and more, this English designer has come to the party well and truly. So, where do the eggs come into the equation? In effect, everywhere! Since selling her first mugs at markets in London, the company’s founder (named Victoria Eggs) has grown her business and now ships her quirky products worldwide.

For more information about the Victoria Eggs’ ranges, or to arrange purchase and shipping, visit www.victoriaeggs.com.

AVAILABLE NOW

OWAIROA < HOWICK

A compilation of stories documenting the history of Howick and districts from Howick Historian Alan La Roche, mbe, celebrating the region’s 175th anniversary

In celebration of Howick’s 175th Anniversary, Times Media has published a compilation of stories from Howick Historian Alan La Roche, mbe, documenting the history of our region.

Available from Times Media, 10 Central Tce, Howick. Also available from Poppies Books Howick, Paper Plus Howick and the Howick Historical Village

&build SOUTH EASTdesign Your building & renovation magazine 2020-2021

Expert Advice OUT NOW! Architecture Building & Renovation Interior Design Landscaping Overseas Trends Infrastructure Community

Proudly produced by Times Media Ltd

French style villa

DESIGNED BY PETER DIPROSE, PDA ARCHITECTS WWW.DIPROSE.CO.NZ

Design and Build South East — 2020-2021 — 1 www.timesmedia.co.nz

Design and Build South East 2020.indd 1 8/10/2020 3:48:43 PM

The region’s prime building and renovation magazine

HOW TO PICK A STRESS-LESS INVESTMENT

HEATHER KENTSLEY, investment manager at Southern Cross Partners, talks about stress-free investing.

Our investors tell us being able to maintain a reasonable income level to supplement their lifestyle is important to them. They also look for an investment which is as stress-free as possible.

Here are some key points to consider:

Transparency: One thing which could cause stress for investors is not knowing where their money is at any given time. Any ideal investment strategy should provide comprehensive information about where your money is invested – transparency is the hallmark of any good investment. Predictable Return: While investments have degrees of risk, there are some which are more predictable than others. Again, you might not experience massive spikes with these kinds of options, but you can at least begin to count on the results they might give you.

You may want to look for something which will offer some level of protection for both your initial deposit as well as any interest rates. Overall, the more predictable the investments, the more you could enjoy a stable income.

Cashing Out: Some investments take time to grow and some can require you to keep the money locked away.

When picking the best investment strategy for your situation you may want to pay attention to the payout rate and structure. Can you withdraw your money at any time, or will it be locked in? How often is the interest paid? Control: Overall, you want to be the one making decisions about how your money will be spent. For example, does it go into a big pot to be spread around or can you choose exactly where your money ends up?

When you give control to other people it can be a little nervewracking if you can’t reach them when you need to, or even have a point of contact who you can deal with.

At Southern Cross Partners, we work as a partner in managing your peer to peer investments with us. That means you know who you are dealing with. We believe with that, combined with the points above, you might enjoy investing by partnering with us.

Disclaimer: Southern Cross Partners is licensed to provide peer to peer lender lending services under the Financial Markets Conduct Act 2013. This article is general in nature only and has not taken into account any particular person’s objectives or circumstances. We recommend you speak with a fi nancial adviser before making any investment decisions.

Make the most of it.

Get monthly returns from 5.50% p.a.* that make the most of your savings, so you can make the most out of life.

Sometimes it can be hard to balance the need to save for your future, as well as enjoying the adventures that pop up every day. Our unique investment model offers you the flexibility to do both. At Southern Cross Partners, we offer mortgage secured loans that allow investors to pick and choose their level of involvement. With current returns from 5.50% p.a.* paid out monthly. Talk to us today about a new, flexible way to invest, minimum investment $10,000.00.^

To find out more, visit us online at southerncrosspartners.co.nz

* Investment rate subject to change. ^Subject to availability. Southern

Cross Partners Ltd is licensed to provide peer-to-peer lending services under the Financial Markets Conduct Act 2013.

NEW G.J. GARDNER SHOW HOME key to your future

Come and be inspired by this sophisticated, new G.J. Gardner show home which encapsulates all the best of quality living.

This contemporary design features three spacious bedrooms – master with ensuite and walk-in wardrobe – plus fully tiled, ultra-modern bathroom where relaxation is a given.

Light, bright, open plan living leads to sun-drenched decking offering the perfect space for entertaining or just relaxing with the morning paper and a coffee.

An exceptional example of how to make the most of subdividing larger properties, or for building on a section of choice, this lovely home exemplifies the ease with which spacious, inner city, living can be achieved on virtually any site. Quality fittings and attention to detail make it easy to understand why G.J. Gardner has been voted New Zealand’s most trusted home builder year after year.

The team includes a wide range of experts whose professionalism and service is outstanding and who are accustomed to tailoring plans to clients’ individual needs.

With a wide range of plans to view, this stylish property could be your starting point for the future. Viewing by appointment – call us today and discover how we can provide your desired lifestyle.

FABRIC COLLECTION HONOURS SUFFRAGETTE

Quirky designs and eclectic colours combine in the bold new Rathbone collection of textiles from Warwick Fabrics. Aptly, taking its name from women’s suffrage leader, Eleanor Rathbone – a former British MP and an ardent campaigner for social justice – the range embraces a palette of summer shades from sea blue to sunset hues.

The various distinctive fabrics in this collection are all named for influential and eccentric women of their times – textures, plains and prints come together to create the ultimate selection to be applied individually or as a harmonious statement for soft furnishings.

From drapery to smaller accessories and large scale upholstery, Rathbone inspires an array of interior styles, which can blend together to create a bespoke aesthetic for the intrepid interior designer.

Images courtesy of Warwick Fabrics.

Superior Standard

When GJ Gardner Homes needed a Superior Kitchen for their new showhome at 134 Campbell Road, One Tree Hill, there was only one company to call! For details see gjgardner.co.nz/show-homes/campbell-road.

Superior KITCHENS Quality Custom Built Kitchens and Cabinets www.eastlife.co.nzSuperior KITCHENS Quality Custom Built Kitchens and Cabinets

Phone 09 274 8900 • www.superiorkitchens.co.nz Showroom, Unit J, 4 Lady Ruby Dr, East Tamaki.

WHO DO YOU HAVE TO PROVIDE FOR IN YOUR WILL? PROVIDE FOR IN YOUR WILL?

Polina Kozlova, Senior Solictor, talks about Wills providing for family members.

Generally, while alive, a person can choose what they do with their property. What most people do not realise is that upon their death, the Family Protection Act 1955 (FPA) provides that a person has a moral duty to provide for the “proper maintenance and support” of certain close family members in his or her Will. These family members can include a partner, children and grandchildren, and sometimes parents.

If these family members haven’t been adequately provided for in the Will, they may bring a claim in court seeking further provision from the estate. The court has a discretionary power to intervene in the terms of a deceased’s Will if it fi nds the deceased has breached his or her moral duty.

The purpose of the FPA is to protect children and other family members from being disinherited, one child favoured over another or a partner being left with no or insuffi cient funds to continue the life they would have had while the deceased was alive.

That, however, does not mean that every person’s Will must divide everything equally or just give to those people. Every family circumstance is different and there is sometimes good reason to provide unequally to your family, or to leave someone out of your will altogether.

For example, a parent may want to provide for a child who has greater needs; or the parents may have benefi tted one child during their life more than the other. It may also be that there has been a serious falling out with a family member or the family members have been estranged from each other and a Will maker may want to not provide for those reasons.

Bearing in mind that a claim by a disinherited family member is possible, here are steps that can be taken to reduce the risk of a court changing your Will.

FOR EXAMPLE:

Consider the needs of each of your family members and their degree of fi nancial reliance upon you.

Talk to your family and discuss with them your intentions before making your Will.

Discuss the issues with your solicitor and explain why you have made those decisions.

Consider how your wishes might be viewed after your death and if you/your solicitor think may be subject to a claim, leave a letter in your Will fi le setting out the reasons for the decisions you have made.

WHO DO YOU HAVE TO PROVIDE FOR IN YOUR WILL?

The Family Protection Act 1955 provides that a person has a moral duty to provide for the “proper maintenance and support” of certain family members in their Will. If you want help constructing a fair will that best suits your wishes, contact the team at Wynyard Wood.

wynyardwood.co.nz/fpa-wills Tel. 09 969 0126