Extreme Weather
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Bloody hell, just reading thru this thread and astonished by the damage and, more importantly, the effect on people's lives.
Just hope everyone can get thru this OK.
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@Victor-Meldrew said in Extreme Weather:
Bloody hell, just reading thru this thread and astonished by the damage and, more importantly, the effect on people's lives.
Just hope everyone can get thru this OK.
it's going to ruin some peoples lives for sure..
worst case scenario is your house gets red stickered, but the house isn't damaged. So no insurance as no damage to the house (you'll see a lot of that in Auckland cliff top properties) and you'll get a payout from EQC that's capped at I think $300k. But you may also only get a proportion of that if say you've got a large chunk of land they may say it only affects a 3rd they'll give you a $100k.
so defo scenarios exist where you're going to walk away from a multi million dollar house with basically nothing, but still owe the bank.
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@WillieTheWaiter wow, that doesn't even seem possible, how can the system potentially destroy people like that?
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@WillieTheWaiter I'm not sure that is entirely correct.
Same thing happened in Christchurch, but the problem then arises from a house being worth 1mill on the market, which is what people borrowed against, but only 500k to 'rebuild', which is what your insurance policy is for, and NZer are notorious for under insurance.
So in this case EQC pays 300k (or 150k if your policy hasn't renewed since 01/10/2022) and then your insurer pays 200k.
Either way, plenty that have extended themselves in the past couple of years with inflated prices and low interest rates will struggle, especially with house prices still high and construction prices high too.
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@taniwharugby said in Extreme Weather:
@WillieTheWaiter I'm not sure that is entirely correct.
Same thing happened in Christchurch, but the problem then arises from a house being worth 1mill on the market, which is what people borrowed against, but only 500k to 'rebuild', which is what your insurance policy is for, and NZer are notorious for under insurance.
So in this case EQC pays 300k (or 150k if your policy hasn't renewed since 01/10/2022) and then your insurer pays 200k.
Either way, plenty that have extended themselves in the past couple of years with inflated prices and low interest rates will struggle, especially with house prices still high and construction prices high too.
just going on what the senior property assessor on my project told me..
anyway will all come out in the wash!
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@Stargazer better to be safe than sorry, but being displaced again is the last thing folks need aye.
My sister works for Napier council and most of her team have been moved to help other agencies at support sites. She said some of her colleagues who have been doing that mahi over the last week or so are already burning out as everyone is so stressed and genuine need is everywhere. Not to mention so many people helping out are also thinking of their own whanau and have quite likely had damage to their own homes.
Some amazing stories of people being legends to each other alongside the tragedies. Just hoping the bad weather fucks off to let things dry out and give folks some respite.
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Areas of Mangawhai and Auckland north flooding again, then the HB and Gisborne regions, this is mental, dunno how some people will cope with this.
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Man I hope HB/Gisborne areas don't get the same intense localised rainfall we had in parts up here through to parts of Auckland as well.
Northland is now completely cut off from Auckland, unsure if Hipkins made it out yesterday afternoon after his flight was cancelled and was to be driven back...if so, will at least give some insight into how desperate some of the regions are.
Below is from near Mangawhai
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@taniwharugby that's insane rainfall. Nearly 100mm in an hour is crazy... Thanks for posting
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@nzzp it was absolutely hosing down when I left work at 5 yesterday, I live about 18km from there, get home, dry, had zero rainfall.
I see yesterday they are looking into whether all the wet weather in recent months and obviously Gabrielle is linked to the Tongan eruption where millions of litres of sea water was sent into the upper atmosphere...
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Not extreme weather…but really enjoying our NZ trip (currently on the West Coast SI).
But. I’d forgotten how waiter/waitresses have no idea here. Unlike Europe where waiter can be a career choice, in NZ it’s what students do trying to earn money…
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@Billy-Tell
I fucking loved COVID level... 2, was it? As... table service. And people having to stay the fuck away from me.
BUT - yeah, NZ bar-staff, restaurant staff... don't really know how to actually DO table service.
A few do. And with the amount of time/money I spend at bars/restaurants - the staff typically come to know me and take especial care. But... as a country, it must be fucking atrocious for visitors. -
You’ve got to anticipate but not intrude.
You’re not mates with the people eating.
You need to know the menu options including drinks inside out.
You need to speak proper English on a polite level it’s “what would you like” not “what do you want”.
You’re there to take orders and serve food not chat with the other staff.Only worse are Americans with their plastic friendliness and pearly white smiles
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@Billy-Tell said in Extreme Weather:
You’ve got to anticipate but not intrude.
You’re not mates with the people eating.
You need to know the menu options including drinks inside out.
You need to speak proper English on a polite level it’s “what would you like” not “what do you want”.
You’re there to take orders and serve food not chat with the other staff.Only worse are Americans with their plastic friendliness and pearly white smiles
Wait staff get minimum wage and loads of them don’t get tips. I think you’re asking a bit much.
On the whole I reckon staff in NZ do just fine.
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@MN5 said in Extreme Weather:
@Billy-Tell said in Extreme Weather:
You’ve got to anticipate but not intrude.
You’re not mates with the people eating.
You need to know the menu options including drinks inside out.
You need to speak proper English on a polite level it’s “what would you like” not “what do you want”.
You’re there to take orders and serve food not chat with the other staff.Only worse are Americans with their plastic friendliness and pearly white smiles
Wait staff get minimum wage and loads of them don’t get tips. I think you’re asking a bit much.
On the whole I reckon staff in NZ do just fine.
We’ll agree to disagree. I’d give a tip if I got an accomplished evenings waiting. But minimum wage fits in with the NZ idea that it’s not really a profession. So you get what you pay for.
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@taniwharugby said in Extreme Weather:
Man I hope HB/Gisborne areas don't get the same intense localised rainfall we had in parts up here through to parts of Auckland as well.
Northland is now completely cut off from Auckland, unsure if Hipkins made it out yesterday afternoon after his flight was cancelled and was to be driven back...if so, will at least give some insight into how desperate some of the regions are.
Below is from near Mangawhai
This is insane eh. Mum got similar intensity in the upper harbour area but only perhaps one hour worth a what she said was the worst rain she has ever had.
