July 3, 2025 • 13 mins
THE BEST BITS IN A SILLIER PACKAGE (from Friday's Mike Hosking Breakfast) Anyone at All?/We Can't Afford Insurance Either/Great Work, Nerds/Mark the Week/Pickle VS Paddle
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Speaker 1 (00:09):
You're listening to a podcast from News Talk said be
follow this and our wide range of podcasts now on
iHeartRadio The Rewrap.
Speaker 2 (00:26):
Okay there, welcome to the Rewrap for Friday. All the
best that's from the my casking breakfast on News Talks.
It'd be in a sillier package. I am Glen Haart Today.
Insurance is going up, up, up up up. Youth Parliament
and the controversy and perhaps the things that weren't covered
will mark a week because the best Friday is what
(00:46):
we do and the pickle versus pedal the bank continues.
But before any of that, Kee We Saver. We're all
agreed we can't afford it, but nobody seems to be
able to agree on what to do about it.
Speaker 3 (00:59):
We've got a survey out in the last couple of days.
It broadly supported the government's moves around Key We Saber.
That's the three and three, the four and four. You know,
your three percent contribution employers three percent going to four percent.
But they wanted the government in the survey to do
something about the cut and contribution from the state. That
change came into effective course this week. Small hint for
you if you rely on the government for any consistency
(01:19):
around long term projects. Forget it government. From the very
beginning of Key we Saver, it was always going to
be the weak link. Dedication and focus from government when
it comes to big picture stuff is a casualty of
the three year political cycle. They were never going to
be our friend on retirement savings. The best advice I
offer anyone, in fact, including our kids, do it yourself.
It's your life, your decision, your future. Do it yourself now.
(01:41):
To show you how hopeless we are at saving in
this country, figures released last week in America showed their
key we Saber, what they call their four h one
K hit a record of fourteen point three percent. That's
on average, most Americans put in fourteen point three percent
into their savings. So while we're mucking around on three
and four, they're up to fourteen. And here's the kicker.
(02:01):
The industry says, look, it really needs to be over
fifteen if you want to be comfortable, So a psychological
step change is required on I'm not sure we're ever
actually going to get there, whether it's employer contributions that
get offered instead of more pay, or whether it's the
Australian style compulsion. A lot of countries do it a
lot of different ways, and most of them have dealt
with the age of retirement as well. We are basically
(02:22):
stuck with the sixty five and this angst around even
having a debate about changing it, and far too many
people who get to retirement are stuck with a state
funded payout that has never been good and will not
serve you well. If that's all you have to live off,
there is of course no reason for this even even
to be a problem at all. Lequon you many many
years ago, and Singapore took a third world country, told
them to save, force them to save, and now they're rich.
(02:43):
The answers, they're all there. Australia's got it sort at
the Norway Funder is famous. Even the Americans at fourteen
point three percent, seem to have it solved. We need
to look and learn and then get our act together
and apply a bit of basic discipline to our long
term futures that doesn't rely on the government.
Speaker 2 (02:59):
Isn't it all the same money though, Like we either
pay the government more taxes so then they can pay
for our retirement, or we just say for our retirement
what's the difference the rewrap. There's just one of a
number of things this morning that made my head's been
round and round and round and round until my brain
almost achieved an escape velocity. It's like the figures and
(03:21):
facts that Mike was dealing with here in talking about
health insurance.
Speaker 3 (03:27):
Now there's going to be certainly has been in Australia
for the last couple of years given the weather situation,
and in Nelson or the Nelson regions, not actually Nelson,
but the Nelson region in general. In the last couple
of days, this insurance thing is going to be increasing.
Their trying to sort of talk about this for the
last couple of years, but they'll become a point, it
won't be too far away where people will be in
refused insurance and we're going to have to do something
(03:47):
about it. So Malcolm writes to me this morning on
related matters, this is health. I'm eighty four good health.
My NIB health premium has increased thirty four percent. So
I gave you the gas numbers early and they're just ridiculous.
I'm on gas as well, and so the prices just
keep going up and up and up and up and up.
And up and up, increase on medical thirty four percent?
How do they justify that aurren't payment of sixty five
(04:09):
hundred and twenty seven dollars for six months, six thousand,
five hundred dollars for six months. It's one thousand dollars
a month, two hundred and fifty dollars a week. The
new premium is going to be eight thousand, seven hundred
and twenty, which is an increase of twenty one hundred
ninety three for six months, and you'll increase of forty
three hundred and eighty four dollars. How do they justify
that what's happened? Now, there may be individual circumstances in
(04:31):
the individual's case, but he claims not. But where does
the thirty four percent just suddenly come from? This is
the cost plus accounting that goes on, and it's in power,
it's in rates, it's in insurance. And this is the
problem you're going to be facing next week with the
RB because yes, your incomes going up above inflation on average,
(04:52):
but your costs are going up as well. So all
the money that you're saving on your mortgage coming from
the bank they keep talking about, that's going into your
medical insurance, or your rates, or your power bill. I mean,
that's an astonishing amount of money, But lifting my policy
costs by thirty four percent sounds over the top. I've
been a customer for over twenty years. I'm not poor.
I just think I'm getting screwed. And the problem is,
once you get to a certain age, you're not swapping
(05:13):
companies because no one's going to take you on. And
I don't know what the ratio is for all the people.
You know, if you've had health insurance for twenty years
and you've never claimed, how much that then off sets
what you might pay in premium terms, if, for example,
you had claimed. But I'll tell you what those are, big,
big numbers, aren't they.
Speaker 2 (05:33):
My father in law always, I think I've told you
this before, always used to tell us that you're better
off paying off your mortgage before taking out health insurance
because the money that you'll say at the end of
your life doing that and then pay for any medical
expenses that you have. And unfortunately he now has a
lot of medical expenses now that he nears the end
(05:55):
of his life. But I think it worked out for him.
He seems happy enough. At the other end of the scale.
The Youth Parliament was on in Wellington this week. It's
all happening in Wellington. To know that the NZSO Youth
Orchestra has been practicing all week for a beg. Michael
Fowler concert tomorrow night as well. I wonder if there's
(06:16):
anybody doing both.
Speaker 3 (06:17):
My name Mike is Oscar Duffy Youth MP four, the
Honorable MILSA Lee. Over the last three days of the
Youth Parliament. I am writing to express my concern about
the reporting of the event. I'm sure you've seen headlines
regarding censorship on the other side, reporting the lack thereof.
I wanted to offer a different perspective. I believe this
reporting is a disservice to our youth and the really
(06:38):
fruitful work that has been done. Impactful speech is about
serious issues like biodiversity credits, cost of living and youth
mental health were given and remain unheard. We delivered recommendations
and groups across a series of topics to ministers and
high ranking industry officials in hopes of change directed at
positive outcomes for our youth. But yet again there's been
no reporting and fortunately this has been overshadowed by biased
(07:00):
reporting and unfair representation of youth. It is my belief
that this is an unfortunate reflection of the current state
of politics in your New Zealand and also our country's
culture as a whole. So I'm pleased that there are
people like that who have got the wherewithal to understand
what's going wrong with the country at the moment. But
it's disappointing that they have to come to that conclusion
(07:23):
because of course Oscar is right. But I hope Oscar
thank you for writing, by the way, and I hope
you at least enjoyed are you three Days? Because I
think it's a brilliant idea and the more young people
who are interested in don't have to beg into politics
but what's actually going on in the country. If you're
fully engaged as a young person, then there's hope for result.
Speaker 2 (07:39):
There is at least one of them. One of those
nerds does youth mping as well as playing in the orchestra.
It's the kind of thing Erica Stanford would have done.
It's soon, isn't it not? Ivo, Yeah, it's soon, pretty sure.
It's it's a rewrap, right, let's mark the week because
(08:03):
guess what it's Friday.
Speaker 3 (08:05):
Time down to mark the week. Little piece of using
current events that has more to say than curtailed youth
mp A July one seven Now July one was the date.
Lyn I didn't give the number exactly. Seven. A lot
of calls, a lot of.
Speaker 2 (08:18):
Cool stufffunctioning equipment.
Speaker 3 (08:20):
Here exactly, including highest speed limits on roads where higher
speed limits make sense and increase efficiency are the Supreme
Court seven, Adding to what looks increasingly like a cellar
run for the President of the US and the big
beautiful Bill Nicks cab off the rank ticked off this morning.
Of course, Mwana pacificate heysa. I think so to Punakokarifana
Ora and Tama Potak and none of them look urgent
(08:41):
about any of this. Helipads amazing for so many reasons.
One well known rich people, to a ridiculous number of submissions.
Three a massive waste of energy. In four they won
A Bob Villain one. I kind of hope that the
mad agrodas of insane raged art of ens have been curtailed.
A Bob Villain seven sucked in good, got the US
(09:03):
visa canned, and festivals are dropping them like nuclear potatoes.
Huntley six. The fast start plans. Well, that's it next
to the multi company cooperation plan and the coal pile plan.
And what's it not done is solve our ongoing lack
of generation. Offensive to girls three. The fuss over the
warehouse in that backpack is pathetic. It was a joke.
(09:27):
It was lighthearted. Are the All Black seven new sees
a new hope, new excitement and an easy opener? Are
the Warriors six a nice comfortable spot in the top four?
And Metcalf is bad, I know, but not so bad
that it isn't our year by this weekend, of course,
with two easy points. The regional deal six. I mean
on paper it looked a lot of bland wordage. If
(09:49):
reality proves it better, though, that's good. July six. I mean,
just the fact is July I got no idea where
the years gone? We're GOVI seven. I mean, that's a
lot of publicity in the news for a product next
to no one can afford, isn't it? School Lunch is seven?
Because with the new stats, the new meals and the
new feedback, that's a good example of a problem. So
now other media you are going to give the same
(10:10):
amount of coverage to the answer as they did to
the problem and vest New Zealand six six sort of
like the regional deals I guess in theory. Not hard
to talk about, but the money flows good news all
round the RB five. I mean next week, I don't
think they're going to move, and I think longer term
that's going to prove to be a mistake. I means
New Zealand humming. No would to cut help. Yes, it's
(10:32):
not that hard, is it. And that's the week copies
on the website and if you look carefully, eight hundred
of these worshiped to Venice and worse shredded for confetti
at Jeff and Lawren's wedding. If you're looking for it.
Are there other white and yellow bits?
Speaker 2 (10:43):
I can only assume he's referring to one of the
actual dresses there. I, of course haven't seen any of them,
and don't care about any of them, because it doesn't
really make much sense with Mark the Week is white,
black and pink. That's the colors of Mark the Week,
the black type on white paper, and then the host
(11:06):
highlights a whole lot of stuff in pink. He loves
the pink highlighter. Mike. That's how I will always remember
him long after he's gone his love for pink highlighters
the re wrap. Now missus Mike has really decided to
busy herself trying to find just the right racket support
(11:27):
for her. And I think Mike's still trying to understand
the difference between fickleball, paddle ball, squash, and just about
anything else.
Speaker 3 (11:35):
To be honest, Mike just back from Vietnam and pickle
all over the place in the city. Seems like a
corporate game. There you go, Mike, tel Kadie paddles. Much
better free game available at the Glendowie Paddle Indle. I
don't think you're going to turn it. She's obsessed with
the pickle at the moment.
Speaker 2 (11:50):
It's to be an either or situation. Okay both.
Speaker 3 (11:54):
Yeah, a different skill, she claims, different skills. She's been
coached this week on squash, pickle and will go to
paddle completely different skills, she claims on everything. She also
claimed you needed new shoes for each of the sports,
and they were different in terms of the structure of
the sole of the shoe and stuff like. There's a
bit of that going on.
Speaker 2 (12:08):
Well, my kids used to play a game, what do
they call it?
Speaker 3 (12:11):
All bat.
Speaker 2 (12:13):
It was kind of like softball, but each each person
who stepped up had to use a different kind of
a bat. So somebody with a softball bat, somewhere with
a cricket bat, somebody with a tennis.
Speaker 3 (12:23):
Racket that's not a bat. Well, yeah, it's a racket.
Well maybe it wasn't called that, but maybe you get
the idea because there are only two bats.
Speaker 2 (12:30):
I thought, always thought that was quite cool.
Speaker 3 (12:31):
That's a cool guy.
Speaker 2 (12:32):
And then he revealed that she was also going off
to hot yoga and doing all other manners of other
activities as well, just anything she can to get away
from him from as much of the day as possible.
I'm going to get away from him now as well,
and I'll be back on Monday. But he will go
away from you and me for that matter, for a
(12:53):
couple of weeks. We'll be here with Heather, then see.
Speaker 1 (12:56):
You for more from News Talks. There'd be listen live
on air or online and keep our shows with you
wherever you go with our podcasts on iHeartRadio
You're listening to a podcast from News Talk said be
follow this and our wide range of podcasts now on
iHeartRadio The Rewrap.
Speaker 2 (00:26):
Okay there, welcome to the Rewrap for Friday. All the
best that's from the my casking breakfast on News Talks.
It'd be in a sillier package. I am Glen Haart Today.
Insurance is going up, up, up up up. Youth Parliament
and the controversy and perhaps the things that weren't covered
will mark a week because the best Friday is what
(00:46):
we do and the pickle versus pedal the bank continues.
But before any of that, Kee We Saver. We're all
agreed we can't afford it, but nobody seems to be
able to agree on what to do about it.
Speaker 3 (00:59):
We've got a survey out in the last couple of days.
It broadly supported the government's moves around Key We Saber.
That's the three and three, the four and four. You know,
your three percent contribution employers three percent going to four percent.
But they wanted the government in the survey to do
something about the cut and contribution from the state. That
change came into effective course this week. Small hint for
you if you rely on the government for any consistency
(01:19):
around long term projects. Forget it government. From the very
beginning of Key we Saver, it was always going to
be the weak link. Dedication and focus from government when
it comes to big picture stuff is a casualty of
the three year political cycle. They were never going to
be our friend on retirement savings. The best advice I
offer anyone, in fact, including our kids, do it yourself.
It's your life, your decision, your future. Do it yourself now.
(01:41):
To show you how hopeless we are at saving in
this country, figures released last week in America showed their
key we Saber, what they call their four h one
K hit a record of fourteen point three percent. That's
on average, most Americans put in fourteen point three percent
into their savings. So while we're mucking around on three
and four, they're up to fourteen. And here's the kicker.
(02:01):
The industry says, look, it really needs to be over
fifteen if you want to be comfortable, So a psychological
step change is required on I'm not sure we're ever
actually going to get there, whether it's employer contributions that
get offered instead of more pay, or whether it's the
Australian style compulsion. A lot of countries do it a
lot of different ways, and most of them have dealt
with the age of retirement as well. We are basically
(02:22):
stuck with the sixty five and this angst around even
having a debate about changing it, and far too many
people who get to retirement are stuck with a state
funded payout that has never been good and will not
serve you well. If that's all you have to live off,
there is of course no reason for this even even
to be a problem at all. Lequon you many many
years ago, and Singapore took a third world country, told
them to save, force them to save, and now they're rich.
(02:43):
The answers, they're all there. Australia's got it sort at
the Norway Funder is famous. Even the Americans at fourteen
point three percent, seem to have it solved. We need
to look and learn and then get our act together
and apply a bit of basic discipline to our long
term futures that doesn't rely on the government.
Speaker 2 (02:59):
Isn't it all the same money though, Like we either
pay the government more taxes so then they can pay
for our retirement, or we just say for our retirement
what's the difference the rewrap. There's just one of a
number of things this morning that made my head's been
round and round and round and round until my brain
almost achieved an escape velocity. It's like the figures and
(03:21):
facts that Mike was dealing with here in talking about
health insurance.
Speaker 3 (03:27):
Now there's going to be certainly has been in Australia
for the last couple of years given the weather situation,
and in Nelson or the Nelson regions, not actually Nelson,
but the Nelson region in general. In the last couple
of days, this insurance thing is going to be increasing.
Their trying to sort of talk about this for the
last couple of years, but they'll become a point, it
won't be too far away where people will be in
refused insurance and we're going to have to do something
(03:47):
about it. So Malcolm writes to me this morning on
related matters, this is health. I'm eighty four good health.
My NIB health premium has increased thirty four percent. So
I gave you the gas numbers early and they're just ridiculous.
I'm on gas as well, and so the prices just
keep going up and up and up and up and up.
And up and up, increase on medical thirty four percent?
How do they justify that aurren't payment of sixty five
(04:09):
hundred and twenty seven dollars for six months, six thousand,
five hundred dollars for six months. It's one thousand dollars
a month, two hundred and fifty dollars a week. The
new premium is going to be eight thousand, seven hundred
and twenty, which is an increase of twenty one hundred
ninety three for six months, and you'll increase of forty
three hundred and eighty four dollars. How do they justify
that what's happened? Now, there may be individual circumstances in
(04:31):
the individual's case, but he claims not. But where does
the thirty four percent just suddenly come from? This is
the cost plus accounting that goes on, and it's in power,
it's in rates, it's in insurance. And this is the
problem you're going to be facing next week with the
RB because yes, your incomes going up above inflation on average,
(04:52):
but your costs are going up as well. So all
the money that you're saving on your mortgage coming from
the bank they keep talking about, that's going into your
medical insurance, or your rates, or your power bill. I mean,
that's an astonishing amount of money, But lifting my policy
costs by thirty four percent sounds over the top. I've
been a customer for over twenty years. I'm not poor.
I just think I'm getting screwed. And the problem is,
once you get to a certain age, you're not swapping
(05:13):
companies because no one's going to take you on. And
I don't know what the ratio is for all the people.
You know, if you've had health insurance for twenty years
and you've never claimed, how much that then off sets
what you might pay in premium terms, if, for example,
you had claimed. But I'll tell you what those are, big,
big numbers, aren't they.
Speaker 2 (05:33):
My father in law always, I think I've told you
this before, always used to tell us that you're better
off paying off your mortgage before taking out health insurance
because the money that you'll say at the end of
your life doing that and then pay for any medical
expenses that you have. And unfortunately he now has a
lot of medical expenses now that he nears the end
(05:55):
of his life. But I think it worked out for him.
He seems happy enough. At the other end of the scale.
The Youth Parliament was on in Wellington this week. It's
all happening in Wellington. To know that the NZSO Youth
Orchestra has been practicing all week for a beg. Michael
Fowler concert tomorrow night as well. I wonder if there's
(06:16):
anybody doing both.
Speaker 3 (06:17):
My name Mike is Oscar Duffy Youth MP four, the
Honorable MILSA Lee. Over the last three days of the
Youth Parliament. I am writing to express my concern about
the reporting of the event. I'm sure you've seen headlines
regarding censorship on the other side, reporting the lack thereof.
I wanted to offer a different perspective. I believe this
reporting is a disservice to our youth and the really
(06:38):
fruitful work that has been done. Impactful speech is about
serious issues like biodiversity credits, cost of living and youth
mental health were given and remain unheard. We delivered recommendations
and groups across a series of topics to ministers and
high ranking industry officials in hopes of change directed at
positive outcomes for our youth. But yet again there's been
no reporting and fortunately this has been overshadowed by biased
(07:00):
reporting and unfair representation of youth. It is my belief
that this is an unfortunate reflection of the current state
of politics in your New Zealand and also our country's
culture as a whole. So I'm pleased that there are
people like that who have got the wherewithal to understand
what's going wrong with the country at the moment. But
it's disappointing that they have to come to that conclusion
(07:23):
because of course Oscar is right. But I hope Oscar
thank you for writing, by the way, and I hope
you at least enjoyed are you three Days? Because I
think it's a brilliant idea and the more young people
who are interested in don't have to beg into politics
but what's actually going on in the country. If you're
fully engaged as a young person, then there's hope for result.
Speaker 2 (07:39):
There is at least one of them. One of those
nerds does youth mping as well as playing in the orchestra.
It's the kind of thing Erica Stanford would have done.
It's soon, isn't it not? Ivo, Yeah, it's soon, pretty sure.
It's it's a rewrap, right, let's mark the week because
(08:03):
guess what it's Friday.
Speaker 3 (08:05):
Time down to mark the week. Little piece of using
current events that has more to say than curtailed youth
mp A July one seven Now July one was the date.
Lyn I didn't give the number exactly. Seven. A lot
of calls, a lot of.
Speaker 2 (08:18):
Cool stufffunctioning equipment.
Speaker 3 (08:20):
Here exactly, including highest speed limits on roads where higher
speed limits make sense and increase efficiency are the Supreme
Court seven, Adding to what looks increasingly like a cellar
run for the President of the US and the big
beautiful Bill Nicks cab off the rank ticked off this morning.
Of course, Mwana pacificate heysa. I think so to Punakokarifana
Ora and Tama Potak and none of them look urgent
(08:41):
about any of this. Helipads amazing for so many reasons.
One well known rich people, to a ridiculous number of submissions.
Three a massive waste of energy. In four they won
A Bob Villain one. I kind of hope that the
mad agrodas of insane raged art of ens have been curtailed.
A Bob Villain seven sucked in good, got the US
(09:03):
visa canned, and festivals are dropping them like nuclear potatoes.
Huntley six. The fast start plans. Well, that's it next
to the multi company cooperation plan and the coal pile plan.
And what's it not done is solve our ongoing lack
of generation. Offensive to girls three. The fuss over the
warehouse in that backpack is pathetic. It was a joke.
(09:27):
It was lighthearted. Are the All Black seven new sees
a new hope, new excitement and an easy opener? Are
the Warriors six a nice comfortable spot in the top four?
And Metcalf is bad, I know, but not so bad
that it isn't our year by this weekend, of course,
with two easy points. The regional deal six. I mean
on paper it looked a lot of bland wordage. If
(09:49):
reality proves it better, though, that's good. July six. I mean,
just the fact is July I got no idea where
the years gone? We're GOVI seven. I mean, that's a
lot of publicity in the news for a product next
to no one can afford, isn't it? School Lunch is seven?
Because with the new stats, the new meals and the
new feedback, that's a good example of a problem. So
now other media you are going to give the same
(10:10):
amount of coverage to the answer as they did to
the problem and vest New Zealand six six sort of
like the regional deals I guess in theory. Not hard
to talk about, but the money flows good news all
round the RB five. I mean next week, I don't
think they're going to move, and I think longer term
that's going to prove to be a mistake. I means
New Zealand humming. No would to cut help. Yes, it's
(10:32):
not that hard, is it. And that's the week copies
on the website and if you look carefully, eight hundred
of these worshiped to Venice and worse shredded for confetti
at Jeff and Lawren's wedding. If you're looking for it.
Are there other white and yellow bits?
Speaker 2 (10:43):
I can only assume he's referring to one of the
actual dresses there. I, of course haven't seen any of them,
and don't care about any of them, because it doesn't
really make much sense with Mark the Week is white,
black and pink. That's the colors of Mark the Week,
the black type on white paper, and then the host
(11:06):
highlights a whole lot of stuff in pink. He loves
the pink highlighter. Mike. That's how I will always remember
him long after he's gone his love for pink highlighters
the re wrap. Now missus Mike has really decided to
busy herself trying to find just the right racket support
(11:27):
for her. And I think Mike's still trying to understand
the difference between fickleball, paddle ball, squash, and just about
anything else.
Speaker 3 (11:35):
To be honest, Mike just back from Vietnam and pickle
all over the place in the city. Seems like a
corporate game. There you go, Mike, tel Kadie paddles. Much
better free game available at the Glendowie Paddle Indle. I
don't think you're going to turn it. She's obsessed with
the pickle at the moment.
Speaker 2 (11:50):
It's to be an either or situation. Okay both.
Speaker 3 (11:54):
Yeah, a different skill, she claims, different skills. She's been
coached this week on squash, pickle and will go to
paddle completely different skills, she claims on everything. She also
claimed you needed new shoes for each of the sports,
and they were different in terms of the structure of
the sole of the shoe and stuff like. There's a
bit of that going on.
Speaker 2 (12:08):
Well, my kids used to play a game, what do
they call it?
Speaker 3 (12:11):
All bat.
Speaker 2 (12:13):
It was kind of like softball, but each each person
who stepped up had to use a different kind of
a bat. So somebody with a softball bat, somewhere with
a cricket bat, somebody with a tennis.
Speaker 3 (12:23):
Racket that's not a bat. Well, yeah, it's a racket.
Well maybe it wasn't called that, but maybe you get
the idea because there are only two bats.
Speaker 2 (12:30):
I thought, always thought that was quite cool.
Speaker 3 (12:31):
That's a cool guy.
Speaker 2 (12:32):
And then he revealed that she was also going off
to hot yoga and doing all other manners of other
activities as well, just anything she can to get away
from him from as much of the day as possible.
I'm going to get away from him now as well,
and I'll be back on Monday. But he will go
away from you and me for that matter, for a
(12:53):
couple of weeks. We'll be here with Heather, then see.
Speaker 1 (12:56):
You for more from News Talks. There'd be listen live
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