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From Clean, smoke FREE HOME
Pic up Mt.Roskill off Richardson rd. Entry via Malcolm St no exit. 022 354 8078
New
Great Condition
Size US 11.5 UK 10.5
Men's NIKE shoe
Pick up Mount Roskill from Clean and Smoke FREE HOME 022 354 8078
This sale includes :-
3x Small, Mediam and Large Photo Albums
Pick up mt.Roskill. off Richardson rd entry via Malcolm St no exit. 022 354 8078
HALLENSTEIN BROTHER MEN'S JACKET
STYLIST With POCKETS
Original Price : $125
Welcome to view - 022 354 8078
Pic UP MOUNT ROSKILL from Clean tidy home
Clearing sales!
ADIDAS AEROREADY ( NEW)
ZIP POCKET
ANKLE ZIP
Please refer Photo for SIZE
Waist circumference size 91cm with tie.
Length - 101 cm from waits to end
From Clean and smoke FREE HOME
Pick Up Mt.Roskill. off Richardson rd. Entry via Malcolm St no exit
Clearing out !
This sale includes :-
- 2x same STORAGE Chairs in the seat
- 2x pillow shown on pic
Pick Up Mt.Roskill. off Richardson rd. Entry via Malcolm St no exit. Contact 022 354 8078
Handy cooker in Great Conditions. Was in storage
Pic Up Mount Roskill. Off Richardson rd. Entry via Malcolm St no exit
Contact 022 354 8078
From Clean, smoke FREE HOME
Pic up Mt.Roskill off Richardson rd. Entry via Malcolm St no exit
Contact 022 354 8078
In good condition, except a nail hole don't bother to fix, reduce sale to who knows how to fix easily.
205/55R 16
Grab a bargain for $45
Contact- 022 3548078
Hi Neighbours!
Before you settle for your next bed, read this:
www.stuff.co.nz...
Your bed isn’t just where you sleep — it’s where your health, comfort, and daily energy begin. The wrong choice can leave you waking up sore, tired, and frustrated.
The right one? It can completely … View moreHi Neighbours!
Before you settle for your next bed, read this:
www.stuff.co.nz...
Your bed isn’t just where you sleep — it’s where your health, comfort, and daily energy begin. The wrong choice can leave you waking up sore, tired, and frustrated.
The right one? It can completely change how you feel every single day.
Retail grocery store owners in Auckland are feeling the squeeze after stiff competition has tightened margins following the arrival of several large Asian supermarkets over the past 12 months.
Described by the Commerce Commission as New Zealand's "largest one-stop Asian … View moreRetail grocery store owners in Auckland are feeling the squeeze after stiff competition has tightened margins following the arrival of several large Asian supermarkets over the past 12 months.
Described by the Commerce Commission as New Zealand's "largest one-stop Asian supermarket", Foodie opened in Westgate on 29 August 2024.
The store spans 3800 square meters and offers a wide selection of products from China, Japan, Malaysia, the Philippines, Singapore, South Korea, Vietnam and other parts of Asia, catering to the city's growing Asian communities.
Around the same time, Asian supermarket chain Tai Ping opened a new branch in Henderson on 24 August.
LianHua launched its flagship supermarket store on Auckland's North Shore in November, which was followed by the opening of Medol in Mt Wellington in June.
The recent surge in large Asian supermarket openings in Auckland has expanded options for consumers.
At the same time, it has also intensified competition between operators, leaving some business owners feeling mounting pressures to stay profitable.
Golden Apple, which opened its first grocery outlet in Henderson in 2015 followed by a second on the North Shore in 2023, is among those feeling the pinch.
William Zhong, manager of Golden Apple, said sales at the Henderson location had fallen sharply since the opening of Foodie and Tai Ping's new stores in the same suburb.
"My business really struggled from the end of last year through the beginning of this year," he said.
Zhong said Golden Apple's core customer base is predominantly Asian, with Chinese shoppers making up the majority.
He said the store's North Shore location is performing much better than the Henderson branch, largely due to demographics.
"About 60 percent to 70 percent of our customers on the North Shore are Chinese," he said. "Whereas in Henderson, it's only around 40 percent."
Zhong said although Auckland's Chinese population was growing rapidly, the number of Asian supermarkets was expanding at an even faster pace.
He said customers generally preferred to shop close to home, which meant that an oversupply of Asian supermarkets in a single suburb could exceed demand, making it difficult for businesses to remain profitable.
"Right now, many of Auckland's best Asian supermarkets are concentrated in West Auckland, particularly in Henderson and Westgate," he said.
Four large Asian supermarkets in the area - Foodie, Tai Ping, Golden Apple and SMART - were located a few kilometers from each other, he said.
"We all feel the pressure," he said. "The market is not big, but there are more and more Asian supermarkets opening here."
Zhong said the economic downturn in many sectors in New Zealand had prompted many Chinese investors to enter the grocery business, believing supermarkets were the best place to make money - especially given their strong performance and status as essential businesses that were allowed to operate during the COVID-19 lockdowns.
He believed this trend helped to accelerate the boom in Asian supermarkets across Auckland.
Zhong said his focus now was on continuing to provide high-quality products and excellent service to his core customer base, and he was pleased that many customers who had stopped shopping at Golden Apple's Henderson store were gradually returning.
He said competition among Asian supermarkets in Auckland was likely to intensify over the next few years, potentially leading to a shake-up in the market.
"Some supermarkets will survive," he said. "But those that can't will eventually have to close their doors."
Chengde Liu, owner of E-PACS Supermart, admitted to feeling the same pressure.
After immigrating from Singapore to New Zealand in the 1980s, Liu opened E-PACS in the Auckland suburb of East Tāmaki in 2000, specializing in offering vegetarian and Malaysian/Singaporean food for the migrant community.
Liu said the number of Asian supermarkets and grocery stores in Auckland at the time could be counted on one hand.
Tai Ping, Lim Chhour, Soung Yueen and Tofu Shop were among a handful of places where migrants regularly went to buy food that contained the flavour of home and maintain ties to their cultural roots.
He said the growing number of Asian migrants had contributed directly to the expansion of the grocery sector in Auckland.
Liu's strategy was to stand out by offering a specialized range of products aimed at targeted customers.
"Eighty percent of our products are vegetarian foods," he said. "This is our strength, and the core advantage that allows us to survive."
In addition to serving Malaysian and Singaporean foods, Liu said the store had expanded its offerings to include products from Thailand, the Philippines, Indonesia, Vietnam and Taiwan in an effort to attract customers from different backgrounds.
Tao Shi, managing director of Foodie, said weekday foot traffic had remained steady at around 2000 to 3000 customers since opening. Foot traffic typically doubled on weekends.
Shi said Foodie's gross turnover dipped for about three weeks from late November to early December - a period before Christmas he described as a typical "quiet season" for the grocery sector.
"Sales dropped around 10 to 20 percent during those three weeks," he said. "That was really stressful for us."
However, he said sales had bounced back this year and performed well in the last quarter.
"The gross turnover in the June quarter increased 15 percent compared with the March quarter," he said.
Shi said Foodie did not aim to compete directly with other Asian supermarkets, adding it offered a unique shopping experience that allowed customers the opportunity to purchase daily essentials at one location instead of visiting multiple stores.
He believed all Asian supermarkets share the same goal of expanding and growing their customer base.
"I don't think it's competition," he said. "We [Asian supermarkets] can work together to make ourselves more mainstream.
"We should advocate for attracting more non-Asian customers to shop [in Asian supermarkets]. We are not here to serve only Asian customers."
After a year in operation, Shi said most of Foodie's customers remained Asian, particularly those from Chinese, South Korean, Filipino and Indian communities.
During public and school holidays, however, non-Asian shoppers made up nearly half of the store's foot traffic.
Shi said market demand was driving the rapid growth of Asian supermarkets in Auckland, adding options for shoppers, including more competitive food prices.
"Some products do have competitive prices," he said. "We get fresh produce directly from farms, so we can keep prices a little lower for customers."
Shi said Foodie is planning to open at least three to five new branches in Auckland, and potentially outside the city.
"We do have the ambition to build Foodie as a national brand," he said. "That's our long-term goal.
"But it's still too early to say. After all, we have only one store now, so we will take it one step at a time and serve every customer well."
Stats NZ's latest data shows that retail sales value for supermarkets and grocery stores stood at $26.31 billion in 2023, rising to $27.08 billion in 2024.
Meanwhile, food prices increased 4.6 percent in the 12 months to 30 June, following a 4.4 percent rise in the year to 31 May.
The Commerce Commission's 2024 Annual Grocery Report, released on 6 August, said Auckland's major supermarkets held 71 percent of the market, compared with 88 percent in the rest of the country.
The report said barriers to entry for new competitors remained high, and the major supermarkets continued to wield significant power over smaller suppliers.
While consumers in Auckland and other major cities have a range of options, those in smaller towns and rural areas often have little to no choice, with some stores in small towns operating as local monopolies.
"Auckland continues to be a hub for the entry and expansion of specialist grocery retailers," a Commerce Commission spokesperson said.
"Major supermarkets have a significantly lower market share in Auckland compared with other regions, partly due to the presence of more specialist grocery retailers, like Asian stores," the spokesperson said.
"This is driving higher levels of competition and choice that benefit consumers and is something we would like to see across the country."
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Friday 15 August, and Saturday, 16 August, 10 am - 2 pm.
Come and experience the warmth of our Ryman village communities. We'd love to show you around.
Discover our lifestyle and care options, tour our show homes and explore our premium amenities.
The Government says it's scrapping those annoying card surcharges – and it’s happening next year.
Consumer NZ is stoked, saying these sneaky surcharges cost Kiwis around $65 million a year and should’ve been gone ages ago.
But not everyone’s convinced it’s a win. Labour and … View moreThe Government says it's scrapping those annoying card surcharges – and it’s happening next year.
Consumer NZ is stoked, saying these sneaky surcharges cost Kiwis around $65 million a year and should’ve been gone ages ago.
But not everyone’s convinced it’s a win. Labour and Hospitality NZ are worried the costs won’t just disappear. Labour MP Arena Williams put it simply: there should not be surcharges for customers at all. But she points out that the Government’s plan does not deal with banks and merchants “who still scoop a big fee”.
Many of our community are rocked by the recent announcement. Retailers warn card surcharge ban could lead to higher prices - the unfortunatel reality is that small businesses are feeling the squeeze along with their customers. In comparison, large retailers pay significantly lower banking fees and ultimately have more leverage at the negotiation table.
💸 So someone still pays – but who?
We want to know: Who should be covering this cost?
Share your thoughts in the comments!
One million Kiwis will hit 65 in the next decade. It’s a strange in-between: the end of work, the start of… what exactly?
Research has shown that New Zealand faces some persistent challenges when it comes to retirement readiness, says Jeff Ruscoe, AMP Managing Director. These hurdles often … View moreOne million Kiwis will hit 65 in the next decade. It’s a strange in-between: the end of work, the start of… what exactly?
Research has shown that New Zealand faces some persistent challenges when it comes to retirement readiness, says Jeff Ruscoe, AMP Managing Director. These hurdles often lead to feelings of being unprepared, particularly for those in their 50s.
Your money needs to keep up
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It’s well known that we’re simply not saving enough in New Zealand. That, coupled with the rising cost of living, means that building a substantial nest egg requires more focused effort and planning.
A less well-known, but significant, concern is the widespread lack of a clear plan for funding lifestyle in retirement. It’s one thing to have some savings. It’s another to know exactly how those savings will translate into a sustainable income. “Many Kiwis have no idea where to start with that. They’re unsure whether they’ve got enough savings or how to make it last,” says Ruscoe.
Sorted has recently launched its online Retirement Navigator tool. It’s a great start, says Ruscoe. “A calculator will often give you a scenario based on averages. Where we add value is by tailoring the advice to our customer’s individual scenario and creating something that works precisely for them. This gives our customers clarity so they can turn what they’ve saved into an income they can rely on.”
An alternative to leaving your money on idle
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Retirement isn’t the finish line; it’s the beginning of keeping your money active and growing. Your money needs to keep up with inflation and generate an income that can serve your lifestyle goals.
Without advice, Kiwis can make mistakes, despite having saved diligently for decades. These mistakes often stem from a desire to “play it safe” or a lack of understanding about how money should behave once they say goodbye to a regular income.
Too often, for example, people cash out long-term growth investments such as KiwiSaver and park that money in term deposits, which rarely keep pace with inflation. “There’s a perception that we should become immensely conservative during retirement, but the timeframe for when they’ll need to spend their savings is often 20 years or more, giving Kiwis plenty of time to grow their wealth further,” says Ruscoe.
What about financial advice
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Many Kiwis who should get financial advice, don’t. Sometimes they think financial advice is something reserved for the wealthy or those right on the cusp of retirement.
“Whether you’re just starting your career, planning for a major life event, or nearing retirement, it’s always a good time to seek financial advice,” says Ruscoe. “There are no wrong answers to the ‘when’ question.”
Don’t fall into the trap of thinking you need to have a significant amount of wealth already accumulated to warrant advice. Advice is precisely what helps you build that wealth.
Navigating retirement challenges: why many Kiwis feel unprepared
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While recent adjustments to KiwiSaver settings, such as increased contribution rates, are a positive step in the right direction, they won’t solve the problem entirely.
For many, historical under-saving, coupled with the rising cost of living, means that building a substantial nest egg requires more focused effort and strategic planning, especially with New Zealanders’ reliance on property, and that works best when coupled with financial advice, says Ruscoe.
Once Kiwis hit retirement, they face another issue, ready or not. That’s the widespread lack of a clear plan for funding lifestyle in retirement. It’s one thing to have some savings; it’s another to know exactly how those savings will translate into an ongoing income once they stop working.
It’s clear that there’s a significant gap between the aspiration for a comfortable retirement and the practical planning required to achieve it.
The power of professional financial advice: it pays to be prepared
The 2020 Money and You Survey found that New Zealanders who received professional financial advice had about 52% more in their KiwiSaver than those who didn’t. That advice led to:
Higher investment returns: beyond simply having more saved, those who sought advice also reported enjoying higher investment returns on their savings.
Greater satisfaction and wellbeing: it’s not just about the numbers. The survey also found that advised Kiwis experienced higher satisfaction with their KiwiSaver and better overall wellbeing. Having a clear plan and understanding of your financial situation, guided by an expert, can significantly alleviate this financial stress, leading to greater confidence and peace of mind.
“[This research] underscores the immense value that a conversation with a qualified financial adviser can bring to your financial future,” says Ruscoe.
AMP’s retirement advice service
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Financial advice is often readily available for employees, and KiwiSaver members still growing their savings, whether through Employee Assistance Programmes (EAPs) or complimentary advice from KiwiSaver providers. Numerous online calculators also support those still growing their money.
When it comes to retirement and spending down your savings, there are far fewer opportunities to access financial advice. That’s why AMP has launched its new retirement advice service.
The service is designed to help Kiwis build a comprehensive plan that fits their life. “It’s not a generic template, it’s a personalised plan built around your specific circumstances, your desired retirement lifestyle and your financial goals,” says Ruscoe. “[The] service is designed to demystify the process and offer tailored support, keeping your money working, growing, and paying you for years to come.”
The goal is to empower Kiwis using AMP’s service to stop second-guessing their spending and feel confident using the nest egg they’ve built, so they can enjoy their after-work years with peace of mind and spend with confidence.
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Zenith 4mm x 60m Camouflage Tie Down Braid Rope • 5 colours available (while stocks last): • Yellow 1x • Blue 3x • Black 3x • Red 1x • Green 2x • Pickup in Green Bay (we live opposite Green Bay High School) is MUCH preferred though it is possible to send if buyer pays p&p, or if … View moreZenith 4mm x 60m Camouflage Tie Down Braid Rope • 5 colours available (while stocks last): • Yellow 1x • Blue 3x • Black 3x • Red 1x • Green 2x • Pickup in Green Bay (we live opposite Green Bay High School) is MUCH preferred though it is possible to send if buyer pays p&p, or if you are outside Auckland then maybe a friend of yours in Auckland can do the pickup.
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