July 31, 2024 • 12 mins
FIRST WITH YESTERDAY'S NEWS (highlights from Wednesday on Newstalk ZB) And Is the Help You Need Even There?/The Gap Between Rent and Mortgage/What to Spend Your Tax Cut On/Mince and Golf Ball Pies
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Episode Transcript
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Speaker 1 (00:09):
You're listening to a podcast from News Talk sed B.
Follow this and our wide range of podcasts now on
iHeartRadio Used Talk sed BE Talk.
Speaker 2 (00:23):
Hello, my beautiful beanies, and welcome to the bean for Thursday.
First of yesterday's news. I am Glen Hart, and we
are looking back at Wednesday. It turns out it's it's
hard yard, it's owning a rental property at the moment,
are we actually feeling sorry for land lords? What's going
on here? Text cut day yesterday the beginning of the
(00:44):
text cuts. Maybe that'll help people who own mental properties.
And some pie talk to finish up with. But before
any of that, so, yeah, the precious coming off police
to do the mental health callouts? But who will do them?
Speaker 3 (01:00):
Where should people go when a family member is having
a mental health crisis? Surely, to goodness, the first port
of or would be a mental health crisis team, not
the police. When the asylums were closed, when the mental
hospitals were closed, families, patients, the community were promised that
(01:21):
there would be the care necessary for those who find
life tough. That hasn't happened, and there needs to be
a line drawn in the sand. Just because the police
have been the last resort for so many years. It's
time to stop and make the agencies that should be
in charge of these people, that should be giving them
(01:44):
the help and the sucker and the sort of tools
they need to try and rebuild their life. It's mental
health agencies, public health agency's job, not the job of police.
Let the police get back to policing.
Speaker 2 (01:59):
It's trick, isn't it. You don't always know where to go.
When I had my license plate stolen in the weekend,
I googled up report stolen license plates and it comes
under non You have to report it as a non
urgent crime. And I'm thinking, well, if they're using those
(02:21):
license plates to stick on a stolen car and do
ram raids, it can get pretty urgent pretty quickly. And
other than a form that we're saying that there they've
got my report, you know, nothing else is ever going
to happen about that. It's not it's not always clear
(02:44):
who you're supposed.
Speaker 3 (02:45):
To call that.
Speaker 1 (02:46):
What I'm saying news talk, right.
Speaker 2 (02:50):
The gap between the money you make from rent and
the money you have to pay for a mortgage on
the rental property, there's a bit of an issue. It
turns out that there are a lot of landlords out
there losing money on their rentals.
Speaker 4 (03:07):
So yeah, we've got we've got a rental we've had
for about probably twelve months to twenty four months of
suposed now right, And yeah we didn't read them a
good rent and papam for it. But it's not even
covering a portion of the mortgage. And then we're now
topping it up by eight hundred bucks a month. We've
got to get out of our own back pocket. So
that's not including rates and insurance that's on top of that.
(03:29):
So there's probably another three grand a year on top
of that. But I'm sick of a whole landlord bashing.
You know, we've me and my wife both work hard.
You know, we've managed to get a bit equity in
our personal house to be able to get a rental,
you know, for our future or maybe even our kids future,
you know, but everyone that's his landlords that with fat cats,
and you know it's sick of that ship. Because there's
(03:51):
a house in shortage in New Zealand. So you know,
we're all trying to do our bat but also trying
to get ahead for our future.
Speaker 5 (03:57):
Because yeah, that's fair enough, Dwayne Are you going to
guts it out because you're topping it up by two
hundred dollars a week.
Speaker 4 (04:04):
Yeah, yeah, well we have to, you know, I mean
if we sold it now with get capital gate, we'd
have to pay Bryline.
Speaker 6 (04:11):
On Oh yeah yeah bright Line.
Speaker 4 (04:13):
Yeah, even though it's a new beld so we've still
got three years I think on that. But you know,
the first year we had it, we got a tax
return is ten thousand dollars, but you don't actually get
any cash.
Speaker 2 (04:26):
You get a credit.
Speaker 4 (04:27):
It'spring fenced, so yeah, and so the text deparve and
keeps the money even though you get a text return
and it's spring sinks, so you don't actually ever get
any cash back from it.
Speaker 2 (04:38):
More on text shortly Q Talk's just stay with rental
properties a little bit longer, and you know it's just
are we trying to rent out the wrong kind of properties?
Is that what's going on? Andrew dickins Edle loves the townhouse.
Speaker 7 (04:54):
He just loves them.
Speaker 8 (04:54):
Townhouses made up to six percent of all new dwelling
consents in twenty twelve. Now they make up nearly half
forty five percent. They are I have to say the
obvious solution. Most of England is made up of terraced
houses and townhouses in a suburbs. In Australia, they're grander
than apartments. You're not sharing corridors, you don't have people
stomping on the roof above you, you don't have to
(05:16):
get into lifts with strangers. They are just like houses,
only smaller, with a couple of shared walls. But many
in New Zealand don't like the idea. They're persisted with
the dream that their immigrant parents have back in the
fifties and sixties, getting away from the terraced home and
getting a standalone house with a garden in space and
a dog. But you know, as our cities get larger,
(05:37):
we end out living in suburbs far far away from
the center, stuck in cars, growing congestion, not living the
Kiwi dream. A new generation just wants enough rooms for
a family and a tolerable commute. They want a roof.
Many of us lucky enough or old enough to have
the standalone houses. We've been standing in the way of
intensification in our suburbs. We've been Nimbi's. We are standing
(05:59):
in the way of a generation who want the choice,
let the market decide you may not choose to live
in a townhouse, but you're not twenty four with ab
and a limited budget, and you want a roof. And
I understand that an earlier paradise is being corrupted, but
I also understand it was always inevitable.
Speaker 2 (06:18):
I'd love not to have a lawn. I am not
one of these people who enjoys mowing a lawn. I
go out and I mow the lawn, and I get
it done, but man, I'd love not to have to
do it. I'm not sure if that's any related to
what we were talking about, but it just popped into
(06:38):
my head.
Speaker 4 (06:40):
Right.
Speaker 2 (06:41):
So, tax cuts, we've got our we've got our text
cuts feeling richer. The people who oppose them. I think
Ryan Bridges are wondering whether they need to clean up
their own house before they start throwing stones into other's
(07:02):
glasshouses or.
Speaker 7 (07:03):
Something mixed all the metaphors there. I'll let him do
the talking. Pipkins, what's having Labor HQ? Well, Labor has
apparently emailed their supporters asking for the tax cut to
be donated. It sounds good not to women's refuge or
kids can but to labor. Yes, take your tax cut
and give it to labor to quote, really help create
(07:26):
the better future, alter her our needs.
Speaker 6 (07:29):
Shameless? And what about the Greens? Where do they stand
on this? What gesture are they making? By their own estimates,
they are the wealthy elite. Many of them own homes.
They are on salaries of more than one hundred and
seventy thousand bucks a year. They're getting a close to
three percent pay rise backdated to last October, I might add,
and Chloe Swarbrick, as the co leader, will now get
(07:50):
a nice bump to her salary for that too. She'll
be on well over two hundred k. Where are the
pledges to donate Madema and Chloe el where are they?
These tax cuts, according to you guys, are cruel and
dangerous and a national disgrace. They benefit the wealthy elites.
So the question is, what are you wealthy elites by
(08:14):
your own definition, going to do about it?
Speaker 2 (08:17):
I do are you going to notice? Do you think
you're even going to really notice? Your wallet's going to
suddenly feel fatter, your bank account's going to look bigger,
or a text catch just one of those things that
sounds so good at an election campaign. And then when
(08:38):
the rubber hits the road. H I guess if you
you know, if you watch your finances, every penny, every dollar,
you'll be appreciative of it.
Speaker 1 (08:54):
I'm sure news talk has it been right.
Speaker 2 (08:58):
Maybe you're just going to spend it all on pies.
Speaker 5 (09:01):
I'm tempted to marcus a lot of people would have
bought those pies for breakfast this morning. It lends itself
to discussion about the value of a pie as a
feasible breakfast option. I'm a fan. No time's a bad
time for a pie. Really, I'll tell you what the
pie people are up against. What the pie people are
(09:22):
up against is the information that every pie has a
golf ball of fat in it. And I can't quite
work out how to get over that. I don't know
if it's true or it's not, but you can almost
picture every time you think of a pie, can almost
picture chewing your way through a golf ball of fat,
and you think, well, actually, no thanks. I never know
(09:42):
if it's been pair reviewed or not. I should go
to Snopes, but that's what they're up against. It's all
the pastry full of butter. But yeah, I'd have a
pie once twice a year. I had a couple of
pies on the holidays. One it sang is very salty,
and one of the white Piata pub giant kids were
(10:04):
beside themselves being inside the pub. Couldn't believe it. Quite
a good pub actually for sale. Most of them are
these days, aren't they? Who'd want to own a pub?
I've thought a lot about owning a pub. I reckon
and the evenings'd be all right, but there'd be a
time when you open up for about ten in the
morning or eleven to about two in the afternoon. We'd
(10:25):
be stuck talking to the same four people day after day,
and I can't imagine the conversations would be that good.
I might be wrong about that. Yeah, so some pies
have nineteen point two percent fat. That's a fifth. It's
(10:47):
more than the golf ball.
Speaker 6 (10:49):
That's probably about a golf ball.
Speaker 2 (10:50):
I think, yeah, that is unfortunate the golf ball thing,
isn't it, Because not only does it sound like quite
a lot of fat, but you also feel like you're
going to be chewing your way through the pie and
then you'll get to the golf ball of fat. It'll
just be in there with the other stuff that you
can't fully identify in the pie. I had an unpleasant
pie yesterday. I'm a Minton cheese guy usually, but sometimes
(11:19):
they don't. They they've all the mint and cheese are gone,
and then the steak and cheese. And sometimes that's fine,
but sometimes the steak is not really steak, is it.
It's very rare that you have a steak and cheese pie.
Oh that steak was tender mouthed in your mouth, that's steak,
(11:42):
And yesterday it was it tasted more like bits of
gold for you know what I mean. So that was
disappointing anyway. Oh, I love pies, though, Why is it
that all the best things in life are bad?
Speaker 4 (11:59):
Fear?
Speaker 2 (12:01):
I not this podcast though, this is this is actually
it's proven that regular listening to this podcast is like
brain and little of ward off dementia and Parkinson's and
Alzheimer's an aw sort. I don't think I'm allowed to
make medical medical plans like that. I think I am.
If I immediately say, of course, where that's ridiculous, maybe
(12:30):
I see it? Should I just I'll just stop it now,
stop it stop the podcast.
Speaker 1 (12:34):
Okay, stopping us Talk is talking zid bean for more
from us Talk, said b 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 sed B.
Follow this and our wide range of podcasts now on
iHeartRadio Used Talk sed BE Talk.
Speaker 2 (00:23):
Hello, my beautiful beanies, and welcome to the bean for Thursday.
First of yesterday's news. I am Glen Hart, and we
are looking back at Wednesday. It turns out it's it's
hard yard, it's owning a rental property at the moment,
are we actually feeling sorry for land lords? What's going
on here? Text cut day yesterday the beginning of the
(00:44):
text cuts. Maybe that'll help people who own mental properties.
And some pie talk to finish up with. But before
any of that, so, yeah, the precious coming off police
to do the mental health callouts? But who will do them?
Speaker 3 (01:00):
Where should people go when a family member is having
a mental health crisis? Surely, to goodness, the first port
of or would be a mental health crisis team, not
the police. When the asylums were closed, when the mental
hospitals were closed, families, patients, the community were promised that
(01:21):
there would be the care necessary for those who find
life tough. That hasn't happened, and there needs to be
a line drawn in the sand. Just because the police
have been the last resort for so many years. It's
time to stop and make the agencies that should be
in charge of these people, that should be giving them
(01:44):
the help and the sucker and the sort of tools
they need to try and rebuild their life. It's mental
health agencies, public health agency's job, not the job of police.
Let the police get back to policing.
Speaker 2 (01:59):
It's trick, isn't it. You don't always know where to go.
When I had my license plate stolen in the weekend,
I googled up report stolen license plates and it comes
under non You have to report it as a non
urgent crime. And I'm thinking, well, if they're using those
(02:21):
license plates to stick on a stolen car and do
ram raids, it can get pretty urgent pretty quickly. And
other than a form that we're saying that there they've
got my report, you know, nothing else is ever going
to happen about that. It's not it's not always clear
(02:44):
who you're supposed.
Speaker 3 (02:45):
To call that.
Speaker 1 (02:46):
What I'm saying news talk, right.
Speaker 2 (02:50):
The gap between the money you make from rent and
the money you have to pay for a mortgage on
the rental property, there's a bit of an issue. It
turns out that there are a lot of landlords out
there losing money on their rentals.
Speaker 4 (03:07):
So yeah, we've got we've got a rental we've had
for about probably twelve months to twenty four months of
suposed now right, And yeah we didn't read them a
good rent and papam for it. But it's not even
covering a portion of the mortgage. And then we're now
topping it up by eight hundred bucks a month. We've
got to get out of our own back pocket. So
that's not including rates and insurance that's on top of that.
(03:29):
So there's probably another three grand a year on top
of that. But I'm sick of a whole landlord bashing.
You know, we've me and my wife both work hard.
You know, we've managed to get a bit equity in
our personal house to be able to get a rental,
you know, for our future or maybe even our kids future,
you know, but everyone that's his landlords that with fat cats,
and you know it's sick of that ship. Because there's
(03:51):
a house in shortage in New Zealand. So you know,
we're all trying to do our bat but also trying
to get ahead for our future.
Speaker 5 (03:57):
Because yeah, that's fair enough, Dwayne Are you going to
guts it out because you're topping it up by two
hundred dollars a week.
Speaker 4 (04:04):
Yeah, yeah, well we have to, you know, I mean
if we sold it now with get capital gate, we'd
have to pay Bryline.
Speaker 6 (04:11):
On Oh yeah yeah bright Line.
Speaker 4 (04:13):
Yeah, even though it's a new beld so we've still
got three years I think on that. But you know,
the first year we had it, we got a tax
return is ten thousand dollars, but you don't actually get
any cash.
Speaker 2 (04:26):
You get a credit.
Speaker 4 (04:27):
It'spring fenced, so yeah, and so the text deparve and
keeps the money even though you get a text return
and it's spring sinks, so you don't actually ever get
any cash back from it.
Speaker 2 (04:38):
More on text shortly Q Talk's just stay with rental
properties a little bit longer, and you know it's just
are we trying to rent out the wrong kind of properties?
Is that what's going on? Andrew dickins Edle loves the townhouse.
Speaker 7 (04:54):
He just loves them.
Speaker 8 (04:54):
Townhouses made up to six percent of all new dwelling
consents in twenty twelve. Now they make up nearly half
forty five percent. They are I have to say the
obvious solution. Most of England is made up of terraced
houses and townhouses in a suburbs. In Australia, they're grander
than apartments. You're not sharing corridors, you don't have people
stomping on the roof above you, you don't have to
(05:16):
get into lifts with strangers. They are just like houses,
only smaller, with a couple of shared walls. But many
in New Zealand don't like the idea. They're persisted with
the dream that their immigrant parents have back in the
fifties and sixties, getting away from the terraced home and
getting a standalone house with a garden in space and
a dog. But you know, as our cities get larger,
(05:37):
we end out living in suburbs far far away from
the center, stuck in cars, growing congestion, not living the
Kiwi dream. A new generation just wants enough rooms for
a family and a tolerable commute. They want a roof.
Many of us lucky enough or old enough to have
the standalone houses. We've been standing in the way of
intensification in our suburbs. We've been Nimbi's. We are standing
(05:59):
in the way of a generation who want the choice,
let the market decide you may not choose to live
in a townhouse, but you're not twenty four with ab
and a limited budget, and you want a roof. And
I understand that an earlier paradise is being corrupted, but
I also understand it was always inevitable.
Speaker 2 (06:18):
I'd love not to have a lawn. I am not
one of these people who enjoys mowing a lawn. I
go out and I mow the lawn, and I get
it done, but man, I'd love not to have to
do it. I'm not sure if that's any related to
what we were talking about, but it just popped into
(06:38):
my head.
Speaker 4 (06:40):
Right.
Speaker 2 (06:41):
So, tax cuts, we've got our we've got our text
cuts feeling richer. The people who oppose them. I think
Ryan Bridges are wondering whether they need to clean up
their own house before they start throwing stones into other's
(07:02):
glasshouses or.
Speaker 7 (07:03):
Something mixed all the metaphors there. I'll let him do
the talking. Pipkins, what's having Labor HQ? Well, Labor has
apparently emailed their supporters asking for the tax cut to
be donated. It sounds good not to women's refuge or
kids can but to labor. Yes, take your tax cut
and give it to labor to quote, really help create
(07:26):
the better future, alter her our needs.
Speaker 6 (07:29):
Shameless? And what about the Greens? Where do they stand
on this? What gesture are they making? By their own estimates,
they are the wealthy elite. Many of them own homes.
They are on salaries of more than one hundred and
seventy thousand bucks a year. They're getting a close to
three percent pay rise backdated to last October, I might add,
and Chloe Swarbrick, as the co leader, will now get
(07:50):
a nice bump to her salary for that too. She'll
be on well over two hundred k. Where are the
pledges to donate Madema and Chloe el where are they?
These tax cuts, according to you guys, are cruel and
dangerous and a national disgrace. They benefit the wealthy elites.
So the question is, what are you wealthy elites by
(08:14):
your own definition, going to do about it?
Speaker 2 (08:17):
I do are you going to notice? Do you think
you're even going to really notice? Your wallet's going to
suddenly feel fatter, your bank account's going to look bigger,
or a text catch just one of those things that
sounds so good at an election campaign. And then when
(08:38):
the rubber hits the road. H I guess if you
you know, if you watch your finances, every penny, every dollar,
you'll be appreciative of it.
Speaker 1 (08:54):
I'm sure news talk has it been right.
Speaker 2 (08:58):
Maybe you're just going to spend it all on pies.
Speaker 5 (09:01):
I'm tempted to marcus a lot of people would have
bought those pies for breakfast this morning. It lends itself
to discussion about the value of a pie as a
feasible breakfast option. I'm a fan. No time's a bad
time for a pie. Really, I'll tell you what the
pie people are up against. What the pie people are
(09:22):
up against is the information that every pie has a
golf ball of fat in it. And I can't quite
work out how to get over that. I don't know
if it's true or it's not, but you can almost
picture every time you think of a pie, can almost
picture chewing your way through a golf ball of fat,
and you think, well, actually, no thanks. I never know
(09:42):
if it's been pair reviewed or not. I should go
to Snopes, but that's what they're up against. It's all
the pastry full of butter. But yeah, I'd have a
pie once twice a year. I had a couple of
pies on the holidays. One it sang is very salty,
and one of the white Piata pub giant kids were
(10:04):
beside themselves being inside the pub. Couldn't believe it. Quite
a good pub actually for sale. Most of them are
these days, aren't they? Who'd want to own a pub?
I've thought a lot about owning a pub. I reckon
and the evenings'd be all right, but there'd be a
time when you open up for about ten in the
morning or eleven to about two in the afternoon. We'd
(10:25):
be stuck talking to the same four people day after day,
and I can't imagine the conversations would be that good.
I might be wrong about that. Yeah, so some pies
have nineteen point two percent fat. That's a fifth. It's
(10:47):
more than the golf ball.
Speaker 6 (10:49):
That's probably about a golf ball.
Speaker 2 (10:50):
I think, yeah, that is unfortunate the golf ball thing,
isn't it, Because not only does it sound like quite
a lot of fat, but you also feel like you're
going to be chewing your way through the pie and
then you'll get to the golf ball of fat. It'll
just be in there with the other stuff that you
can't fully identify in the pie. I had an unpleasant
pie yesterday. I'm a Minton cheese guy usually, but sometimes
(11:19):
they don't. They they've all the mint and cheese are gone,
and then the steak and cheese. And sometimes that's fine,
but sometimes the steak is not really steak, is it.
It's very rare that you have a steak and cheese pie.
Oh that steak was tender mouthed in your mouth, that's steak,
(11:42):
And yesterday it was it tasted more like bits of
gold for you know what I mean. So that was
disappointing anyway. Oh, I love pies, though, Why is it
that all the best things in life are bad?
Speaker 4 (11:59):
Fear?
Speaker 2 (12:01):
I not this podcast though, this is this is actually
it's proven that regular listening to this podcast is like
brain and little of ward off dementia and Parkinson's and
Alzheimer's an aw sort. I don't think I'm allowed to
make medical medical plans like that. I think I am.
If I immediately say, of course, where that's ridiculous, maybe
(12:30):
I see it? Should I just I'll just stop it now,
stop it stop the podcast.
Speaker 1 (12:34):
Okay, stopping us Talk is talking zid bean for more
from us Talk, said b listen live on air or online,
and keep our shows with you wherever you go with
our podcasts on iHeartRadio
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