Beruflich Dokumente
Kultur Dokumente
At a glance
Refocusing on immigration
New Zealand may be missing trade
opportunities because it is targeting
the wrong sort of immigrants, recent
research commissioned by the New
Zealand Institute of Economic Re-
search has concluded. Page 3
From IT to ID
The Indian government has tasked
software giant Infosys’ chief, bil-
lionaire Nandan Nilekani, to create
a new identity system for Indians as
chairman of the new Unique Identifi-
cation Authority of India. Page 6
Investing in CFDs
CFDs- the new way to trade markets
up or down. If you’ve not looked at
or considered trading CFDs, you
may be missing out, says Indian
Weekender financial columnist and
draws a comparison with other
investment avenues. Page 27
Grave trends
Lucknow: A custom which is already a trend in
the lives of many in western countries is soon
catching up in smaller Indian towns as well, that
of reserving a spot in a graveyard to rest in peace
after death.
In Lucknow, Christians and Muslims are re-
serving land in burial grounds, well in advance
as cemeteries are running out of land and people
fear that they may not find a place in the cem-
etery next to their loved ones.
A Catholic cemetery in Lucknow city charges
about Rs 2,500 per booking for five years, and
for Rs 500 for every renewal. It’s a reasonable reserve burial ground. The booking rates at
amount so people don’t mind paying this much,” Muslim burial grounds reportedly costs between
says Anthony the caretaker of the cemetery. Rs 25,000 and Rs 50,000. However many Shia
There are four cemeteries for Christians in clerics are against this practice and feel booking
Lucknow. of graves should be discouraged as this would
Among Muslims, it is mostly the Shias who deprive poor people burial places.
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I read the article, “Charity? Thanks but no thanks” by Rakesh Krishnan. It is clear he does not under-
stand the “40 hour famine” that Christian nations practice. They are not saying there is famine in India.
They, adults and children, forego food for 40 hours and give the money the food would have cost to Chris-
tian organisations that work tirelessly for the poor of the world. As for 40% of the money going to pay the
staff, I am surprised it is as low as that. Mr Krishnan needs to understand the people that work among
the poor need to eat, educate their children, etc. I am told that majority of the money that goes to help
the poor is from Christians. So i don’t see what Mr.krishnan’s gripe is about. Let us not forget that India
gained much from the education, hospitals, humanitarian works that these people brought to us. I am
told there are many Indians in India who are rich enough to buy the whole of New Zealand. If our people
who are so rich will spend their money for the upliftment of the outcastes so that they become integrated
with the upper castes, it will be good. There will be no difference between the Brahmin and the outcaste
and the Christian organisations can divert their money and talents to other nations that need help.
Geetha, Mt.Roskill, Auckland
The big news spinning out of India is that homosexuality has been legalised in the country. Earlier this month the
Delhi High Court overturned a 149-year-old law dating back to 1860, which though, was rarely enforced.
The historic court ruling in response to a gay such is not defined in the Indian Penal Code, and and application of warm cow urine and dung for tion of homosexual attraction, can be primarily
rights petition, declared that treating consensual it will be a matter of great argument whether it is a person who has had sexual intercourse with attributed to the Hindu concept of rebirth. Instead
same-sex sexual intercourse as a crime was a ‘against the order of nature’.” anyone other than a woman. Compare that to of condemning the couple, others can explain
violation of fundamental rights protected by the While the Christian church has committed what homosexuals and lesbians got in medieval their mutual attraction as involuntary, because it
Indian Constitution. unspeakable cruelties on homosexuals and pur- Europe: burning at the stake and other tortures. is caused by attachment in a previous birth. This
While many observers declared that India had suers of alternative sexuality, and Islamic laws Art-curator Alka Pande says alternate sexual- attachment is presumed to have the character of
finally entered the 21st century, the fact is that this prescribe harsh punishment for them, India, ity was an intrinsic part of ancient India. In her an “unfinished business,” which needed to be
is just another instance of India getting rid of its in keeping with its liberal Hindu heritage, has soon to be released ‘The Androgyne: Probing the brought to a resolution in the present birth.
colonial baggage. Homosexuals were never per- always been a haven for homosexuals. Gender Within’ she says, “Right from literature According to psychoanalyst and writer Sudhir
secuted in classical India, but things changed for The Kama Sutra, a classic written in the first to mythology and religion, homosexuality in Kakar, “When a brave homosexual couple defies
the worse when the British took over. millennium by Vatsyayana, devotes a whole ancient India is considered to be the ultimate and all convention by openly living together, its toler-
The 1860 law was the result of a repressive chapter to homosexual sex. The sage writes, “It is acceptable form of the sacred kind.” ance by the two families and the social surround
Victorian moral code. It was the Englishman generally takes place in the framework of the
Thomas Macaulay who, while drawing up a rebirth theory. In 1987, when two policewomen in
civil code to supplant India’s ancient and medi- the state of Madhya Pradesh in central India got
eval laws, decided that “whoever voluntarily has ‘married’, the explanation often heard from those
carnal intercourse against the order of nature with Art-curator Alka Pande says alternate sexuality who could no longer regard them as ‘just good
any man, woman or animal shall be punished
with imprisonment”. was an intrinsic part of ancient India. In her friends sharing living accommodation’ was that
one of them must have been a man in a previous
Macaulay was acting on his Victorian mores.
But lazy, corrupt and self-serving Indian politi-
soon to be released ‘The Androgyne: Probing the birth and the couple prematurely separated by a
cruel fate.”
cians have since then refused to repeal such out-
dated cobwebs on one pretext or the other. It took
Gender Within’ she says, “Right from literature Even the arrival of Islam did not vitiate the
atmosphere for homosexuals. In his autobiogra-
G. Vahnavati, India’s solicitor general, to expose to mythology and religion, homosexuality in phy Baburnama, Babur, the first Mogul emperor
that position at the UN Human Rights Council of India, writes about his indifferent love for his
last year. ancient India is considered to be the ultimate and wife and his infatuation for a “rosy-lipped” lad.
He told the council: “Around the early 19th
Century, you probably know that in England they acceptable form of the sacred kind.” However, these and similar passages in ancient
Hindu texts were latched on to by early European
frowned on homosexuality, and therefore there colonialists to heap scorn on Indian culture and
are historical reports that various people came morals. This “lack of morals” was even cited as
to India to take advantage of its more liberal at- justification for the colonisation of India so the
mosphere with regard to different kinds of sexual to be engaged in and enjoyed for its own sake as What else explains the fact that the pivotal vast country could be brought up to par with “Eu-
conduct. one of the arts.” The Kama Sutra categorises men character of the world’s longest and oldest epic, ropean values”.
“As a result, in 1860 when we got the Indian who desire other men as of the “third nature” and The Mahabharata, is Shikandi, a hermaphrodite, So far the only groups that have opposed the
Penal Code, which was drafted by Macaulay, they refers to long-term unions between men. who plays a key role in the victory of good over High Court’s move are hardcore members of the
inserted Section 377 which brought in the concept Ancient texts including the Rig Veda, sculp- evil. In the same text, Arjuna, ancient India’s most BJP, the leading Hindu nationalist party, which
of ‘sexual offences against the order of nature’. tures and vestiges depict sexual acts between celebrated archer and warrior, disguises himself got a drubbing in the last elections, Catholic
“Now in India we didn’t have this concept of women as revelations of a feminine world where as a eunuch during the last year of his exile. Christian bishops and the Muslim clergy. It’s
something being ‘against the order of nature’. It sexuality was based on pleasure and fertility. In Same Sex Love in India, Ruth Vanita nice to know they can take a united stand, but of
was essentially a Western concept, which has The Manu Smriti, a book of rather conserva- argues that the relative tolerance, the gray area course, only when it suits them.
remained over the years. Now homosexuality as tive Hindu laws, merely prescribes ritual bathing between simple acceptance and outright rejec-
New Zealand’s involvement with Fiji goes back Rugby had become the other big bond between lowed institution. Cutting a commanding figure eminent referee to get a prestigious government
beyond 1874 when Fiji was ceded to Britain Fiji and New Zealand. This relationship started he was constantly on the move between meet- scholarship. Ron’s response was unexpectedly
and became a part of the Empire where “the off as keen rivalry, then dismissive noncha- ings and offices of the inner sanctum. A member quick and complete; he raised his contact, Pro-
sun never set”. Prior to cession, beachcombers lance, and now a focused attempt to ensure that of every decision-making forum at USP at the fessor Kimitada Miwa, and placed me in his
combed the South Seas for adventure, treasures, Fiji rugby never threatens the All Blacks and by time, any function without the good professor capable hands like magic.
release, renewal and the ropes for a new begin- extension, the nation’s peace of mind. was easily noticed. Eight years later, when I finally met him in
ning. The backgrounds of these overflows from In 1939 Fiji had blitzed through New Zealand This “go-getter” side of the professor made Rarotonga and thanked him for the help, Ron
Europe were as colourful as their motivations. unbeaten with a 14-4 shellacking of the Maori one student scribe refer to him as “Professor revealed with a chuckle that he remembered me
After the colonial structures were better in the final match. It Crocile” in the weekly from the night I attended his party uninvited!
established and Fiji became an economic was during that tour student newsletter, USP He said he’d seen enough that night to gauge
entity, the notorious Colonial Sugar Refinery that Ratu George In 1961, a Kiwi teacher with the Beat. A loyal friend and that I was an inquisitive student with a keen
Company, which had refineries in Melbourne
and Auckland, recruited kulambars (supervi-
Cakobau introduced
the cibi for the first
inevitable rugby background feared foe, Professor
Crocombe had another
Pacific sense of humour.
Five years after that Mariko Street party,
sors) from Australia and NZ. This was the first time to counter the came to Fiji and two years side that only his closer Ron had arranged Japanese connections in re-
formal large-scale private recruitment of Kiwis Maori haka and it has associates saw at the sponse to an SOS from me. Others like Profes-
into Fiji and many surnames and genetic mani- ever since been part later became a radio sports time. I say “at the time” sor Brij Lal and Dr. Morgan Tuimaleali’ifano
festations bear witness to this relationship. of the national team’s because this side of Ron have talked emphatically about Ron’s keen in-
On the national front, aid programmes were repertoire with some commentator. His name and was private and became terest in helping Pacific Island students. I also
set up and lots of New Zealanders saw Fiji as misguided attempts much more evident in am a recipient of that generosity.
a good alternative place to work in. Fiji’s judi- being made to remove fame grew with Fiji rugby and later years. Professor Ron Crocombe will be long re-
ciary and the school system had New Zealand
written all over. Kiwi judges presided in Fiji’s
it in the name of reli-
gion every now and
Graham Eden is now a veritable I recall vividly how
I managed to “spy”
membered by those who knew him. This Cook
Island-New Zealander has left footprints in the
Courts and the two main school exams were then. encyclopedia on Fiji rugby. this side of Ron. It was South Seas that will be hard to fill. It is with
the respected NZ School Certificate and New In 1961, a Kiwi semester-end party wistfulness that I look forward to our next
Zealand University Entrance exams. teacher with the in- season and somehow I meeting and know that he will surprise me
In one of these programmes, a young volun- evitable rugby background came to Fiji and two managed to get into Ron’s den in Mariko Street again by remembering details that I myself may
teer Catholic teacher was deployed to Wairiki years later became a radio sports commentator. across from the USP main gate through a Tongan have forgotten.
Secondary School on the island of Taveuni. His name and fame grew with Fiji rugby and friend. There he was, the man himself, wearing
Maria Theresa Jones taught me mathematics in Graham Eden is now a veritable encyclopedia a flowery Bula Shirt, a Fiji Bitter stubby at his - The opinions contained here are Subhash
1975 and was one of the kindest prettiest teach- on Fiji rugby. He will forever have his name in- elbow, and stories to keep anyone enthralled for Appana’s own and not necessarily shared by
ers I’d ever known. I’d be delighted to meet up delibly linked with rugby in the country. the night. any organizations that he may be affiliated
with her again as the last I heard was that she When I joined University of the South Pacific Some 5 years later, I presumptuously con- with, both here and overseas.
was in New Zealand. (USP) in the 1980s, another Kiwi, Professor Ron tacted Professor Crocombe through USP from Email: subhasha@ais.ac.nz
In the backdrop of this, the All Blacks and Crocombe was already an institution in that hal- Tokyo where I was desperately looking for an
work hard to realise undertaking in Panch-
that vision. kula,” said Singh who
“My message to came to New Zealand Student visa/permit
younger generation is in 1998.
that one should have In New Zealand, Admission in any NZ university No
a dream and with hard he worked in differ- consultation
work one can realise ent private and public or institute charges for
his or her dream. My sector jobs before ap-
dream has come true plying for Air Force in Work visa/permit student
and yours will as well 2006. visas*
if you are focused and “The motivation Permanent Residency
keep up the hard work. behind it was that I
“From my personal was always interested Overstay & decline appeals
in big airplanes. Also,
viewpoint and from an
immigrant’s perspec- my maternal uncle
Citizenship
tive I feel very proud retired from IAF and
that I got this oppor- he used to take me to www.aimsglobaleducation.com
tunity to serve my different bases during * applicable when admission done through us
adopted country.” his tour of duty so I
Singh, an Engi- guess that seeing mili-
neering Officer, said tary airplanes from
he was the only tur- so close had a big im- Arunima Dhingra
ban-wearing person in pression on my mind
the RNZAF: “Yes, it and when I saw the Licenced Immigration
is a great feeling and opportunity in 2006 Adviser
I feel very proud that with the RNZAF I M: +64 21 257 5250
the RNZAF as an or- could not resist the op- E: info@aimsglobaleducation.com Approved by NZ
ganisation has accept- portunity. Trade & Enterprise,
INZ & Education NZ
ed me and my identity “I applied in 2006 2 Galloway Crescent, Half Moon Bay (formerly NZIER)
wholeheartedly. and got selected as an Auckland 2012.
Tel/Fax: +64 9 577 5157
“It tells a lot about the values of the RNZAF Engineering Officer and completed my Initial
where a person is selected on the merit and not Officer Training Course in December 2007. My
on the basis of the ethnicity and religion and parents (S Jagadish Singh and Uttamjit Kaur) India Head Office address:
SCO 17, Swastik Vihar, Sector 5, Mansa Devi
once you start wearing uniform you become were here with me on my graduation day and Complex, Chandigarh - Kalka Road, Panchkula-
part of the large RNZAF family. watched the passing out parade.” 134113, Haryana
Tel: +91 172 501 5369, +91 998 819 9018
“And so many times the senior officers have A Flying Officer does not necessary fly air-
given me the opportunity to explain my reli- craft. Support Office address:
SCF 7, Sector 10-D, Opposite Hotel Mountview,
gious beliefs and identity to my colleagues and - Harjinder Singh Basiala Chandigarh 160011
for us your results come first
subordinates to help me assimilate and become Tel: +91 172 502 6369, +91 987 630 0018
sh owner honoured
Supervalue Flatbu
ard for
confer red an aw
Fl at bu sh su pe rmarket has been two-day an nual expo
tor of SuperValue rprises at the the was
the ow ner-opera the country by Prog ressive Ente June 30 and July1. The award
Paramjit Dhatt, su pe rm ar ke t in tio n Ce nt re on n us th e m otiva-
alue nv en s gi ve
the top SuperV rch Tow n Hall Co “We are very proud and this ha rise was
at the Ch ristchu n. d that his enterp
and conference e gi vi ng di nn er on the occasio e to ug h ec onomic times an om supermarkets and
e pr iz e w er
presented at th id. He said thes s are buying fr ng
er,” Mr Dhatt sa unity. “Customer basics and buyi
tion to work hard hing it could do to help the com m they are also spending more on more and more
er yt de – ng in g
geared to do ev of dining outsi e ar ra
he said, “We ar n give to ou r customers.”
at home instead to this sit uation
prepar ing meals re sp on se rv ic e we ca e
ds,” he sa id . In best custo m er se Cola product rang
more Home Bran ts and regular specials with the r outstanding sales of the Coca
uc d fo
Home Brand prod has also received the top awar
bush
SuperValue Flat
th rough its store
. vi ng th e aw ar d
d H aw th or ne gi
an ag er M r F re
ro gr es si ve W D L G en er al M
Photo: P tt .
d Ja sk ar n D ha
to PJ D ha tt an
Sangeeta’s music
Kar nataka’s yo concert
un scintillates
Kulkarni, win g and famous Hindustani vo
ner of Suvarn calist “Gaana K
Udayaraj Kar pu a Kar nataka R ogile” Smt. Sa
r perfor med th ajyotsava awar ngeeta katti
Satu rday 04 Ju e Swara Mad hu d and Tabala
ly 09 at the M rya Sangeeta Sa maest ro Sh ri
the raga “Gun t.
a Kali”. It was Eden war Memor ial Hall. Sh rita Musical concer t on
several ragas. fo e st
Sh ri. Udayara llowed by Daasavaani, Vacha ar ted the concer t with
companied. The aj Kar pu r a ta nas, and Bhaav
lented aG
Indian Classic second half of the prog ram m Tabala Maest ro from Kar na eet in
al Raag th roug e w as “S an ge taka ac-
satile repertoire h In dian Cinema. Sm et Sarita” – A jo
captivated the t Sa ngeeta Kat ur ney of
tif ying the song au
s in specific ra dience. She involved the audi ti Kulkarni’s wide ver-
Ashish Ramak ga s and also insp ence in singing
rish ir an
speaking com m nan and Chaitra Ravishank ed the local talents of Kan na d iden-
unity of Auckl ar, to sing alon da
Kat ti Kulkarn and also felicita g with her. The Koota,
i at the felicita ted the ar tistes
tion. on July 6. Phot Kan nada
o: Sangeeta
India International Jwellery Show (IIJS Delhi International Leather Fair (DILF),
2009) Mumbai, August 6-10 New Delhi, October 23-25
IIJS showcases the vast range of India’s
production of gems and jewellery items The 17th Delhi International Leather Fair
to more than 25,000 trade visitors from (DILF), is a unique show dedicated to hello chennai
India and abroad. The show will have on leather and leather products from India.
display (i) precious metal jewellery both The show will be oriented to facilitating
plain and studded (ii) loose gemstones the exhibitors and buyers in opening new
including diamonds (iii) costume fashion channels for trade in leather products,
jewellery (iv) jewellery making machiner- with an accent on footwear and compo-
ies (v) gems and jewellery publications. nents. As a specialized event, DILF has
Further details: www.iijs.org become a highly favoured destination on
the itinerary of global buyers. More infor-
mation about the event could be seen at
website www.delhileatherfair.com
Fourth Sports Goods & Physical Fit-
ness Equipment Exhibition (SGPFEE) India International Trade Fair, New
New Delhi, October 3-6 Delhi, November 14 to 27
The event will showcase achievements The India International Trade Fair is a
and technological advancements made multi-product, multi sectoral fair provid-
by India covering a wide range of prod- ing excellent business opportunities for
ucts and services related to sports goods a wide range of products and services
and physical fitness equipment indus- in diverse areas. In order to make the
try. The sports goods industry’s 60% visit of overseas delegation comfortable,
production is being exported to various fruitful and also to look after their specific
countries including UK, Australia, USA, requirements, a special cell has been
France, Germany, South Africa, New created within ITPO. Details of visiting
Zealand, Italy, Canada, etc. The quality delegations/buyers/businessmen may
of sports goods produced in India now be sent to Mrs. S. Kishore, Dy. General
matches international standards. Further Manager, e-mail: skishore@itpo-online.
details: details are available on event com or Mr. A.K. Jain, Senior Manager,
website www.sportsgoodsexhibitionin- e-mail:akj@itpo-online.com. Further
dia.com or write to Mr. Hukumchand T. details: http://www.iitfonweb.com.
General Manager, India Trade Promotion
Don’t you think it is a come down for a film actor like you to take up the job of being
the host of a TV show?
I don’t think it is a come down for me or for that matter any actor to make the transition from films
to TV. It is wrong to assume that actors take to television when they do not have films on hand. On
the contrary, doing television is quite challenging in itself, particularly when you are hosting a show.
There is no pre-written script for the show and one has to communicate with the participants as the
show progresses. To be a good host, you have to see to it that you are able to entertain the viewers with
your on the spot impromptu repartees and gags even while the show is on.
So how do you manage to juggle your film shoots with your television schedule?
I shoot for three episodes a day for the show. What I like the best about the show that I am the only
host and I do not have share screen space with any other male host. When Siddharth Basu approached
me with the offer, I did not think twice but grabbed it because it gives me an opportunity to connect
with 560 million viewers at a time. My films have not offered me anything like that until date.
How do you resist the temptation to hog the show in your show considering that you
are also the producer?
I am not hogging the show Tedhi Baat though I happen to be the producer of the show. It is Gurpal
Singh who is the host who interviews all the characters that I portray in the show. Mind you, I am only
portraying all the characters and almost becoming them but not impersonating or lampooning them.
I see to it that there is no idiosyncrasy or caricature involved. In fact the writers have been given the
brief not to treat it as a comedy show, because then inherent humor stems out of the peculiarities and
the idiosyncrasies of the characters.
How difficult is it for you to get in and out of different characters for your show?
It is not difficult for me to switch over from one character to another because har neta ke andar ek
abhineta chupa huwa hain and also vice versa.
Isn’t it scary for you to compete with saas bahu shows on TV today?
It is an attempt on the part of the channel as well as me and my production house to come up with
a credible and relatable show in these days of saas bahu shows. In fact, I’d even go to the extent of
stating that it is the male version of the saas bahu shows since it involves the two of us- Gurpal Singh
and me. I was very impressed by him when I saw the poker faced Gurpal Singh in action in his show
Chupa Rustom.I think he is the ideal foil for me in Tedhi Baat
What is the feedback that you have received for your show?
The best compliment that I received when I showed the episodes to some people is that they said
that I am not at all recognizable in then show when I portray the various characters. In fact, if you
switch on the show, you will get the feeling that it is not a show but a real interview being beamed.
Do you shoot as per script or resort to improvisation when you shoot for Tedhi Baat?
Of course the script is there because you cannot make a show like this without a script but then
there is a lot of scope for improvisations between me and Gurpal as the interview progresses. I make it
a point to under-rehearse, and even keep all the fumbles and the inherent rawness when the interview
is on because the idea is to make the show look as natural as possible especially since it is basically
a talk show.
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Finance / Law
Suspension for a period of 28 days is manda- police oppose it?
Limited Licence or Work Licence tory in many cases. If you drive in this period
and you are stopped by the police you will be
charged with driving while disqualified and
Yes. This is because ultimately it is the Judge
who determines the application. Sometimes
police concerns can be met by the judge impos-
you will not get a limited licence. If you are ing special conditions. It will be very helpful to
NEELAM MCDONALD convicted you will be suspended for a further you to attend a defensive driving course.
You can lose your driving licence for a variety Normally a limited or work licence will spell 6 months, or 12 months if it is a third or subse- While the specific conditions may seem re-
of offences such as drink-driving, dangerous or out the hours that you can drive, on which days quent conviction for driving while disqualified/ strictive, a limited licence will however allow
careless driving or by getting too many demerit you can drive, and where you can drive. Nor- suspended. a disqualified driver to keep his or her employ-
points. In these cases people often ask if they mally you must fill out a log book every time Can you be refused a limited/work licence if ment and maintain a level of income. That is
can get a licence for work purposes. The answer you drive your vehicle. You must fill in where you are suffering hardship? better than an absolute prohibition on driving.
is yes. An exception though is for taxi and bus you are going before you start your trip. Yes, if you have two or more drink drive Please consult your lawyer for any further
drivers. They cannot get a limited licence to Consequences for driving outside the terms convictions over the alcohol level - 400 breath advice.
drive taxis or buses. of your limited licence: or 80 blood - or because you refused to give a - If you have any questions about criminal or
traffic law, please write to Neelam McDonald at
A limited licence, also called a work license, If you drive outside the conditions of your blood sample within the last five years. info@indianweekender.co.nz. Please indicate if you
is a temporary licence issued by the court after limited/work licence and are caught then you You should also be aware that the police would like your name and address to be printed. The
approval of a judge. It will have special condi- will face a fresh charge of driving while dis- prosecution can oppose an application for a information contained in this article or response is in-
tions on it which limit your driving to certain qualified. You will face a further six month limited/work licence if they consider you to be tended to provide general information. The contents do
not constitute legal advice and should not be relied on
hours and days of the week. It is designed to disqualification, a further fine, your car will be a danger on the road and a threat to the public as such. Readers should seek independent legal advice
relieve extreme hardship mainly so as you impounded and your limited licence will auto- safety. This may occur if you have an extensive in particular matters.
can keep your job or deal with urgent family/ matically expire. list of previous drink drive convictions or a bad
medical matters. Can you get a limited licence during the 28 traffic record.
Do special conditions apply? day suspension period? Can you still apply for a limited licence if the
Over the past few years, demand for residential The most significant advantage in New borrowed funds. Only those investors who are
property has been quite strong in New Zealand. Zealand for property investors is the fact that Expenses capable of absorbing losses resulting from vacant
Current rental yields are between 5 and 10%. The expenses associated with deriving rental income houses, increased interest rates and fall in prop-
Interest on mortgage 300,000*7%=
interest rates are comparatively low these days, are tax deductible but the capital gain result- erty prices should consider negative gearing.
which make the yield more attractive. ing due to increase in house prices is normally 0 $21,000 One can minimise the risk of gearing by:
Historically, shares and property are the best tax free. (It is taxable for property traders, de- Rates = $1500 Choosing investment property carefully, se-
long-term investments. I do not mean one should velopers and where it can be evidenced that the Insurance = $500 lecting a property in good location where tenants
invest everything in shares and property. The purpose of buying the property at the time of pur- Property management fee = $1000 are easily available.
portfolio of investments should always be diver- chase was to sell at a profit). Repairs = $1400 Having sufficient buffer to cover expenses
sified and spread across different asset classes. The rental income is taxable income but the Total of cash expenses = $25,400 if the property is vacant or the tenant is late in
One should invest only those funds in property expenses like mortgage interest, rates, insurance, Cash loss = $11,000 paying the rent.
or shares, which are not needed in the short-term. property management fee, repairs, advertisement Taking out appropriate insurances to cover at
From shares, one earns two types of returns to let, vehicle expenses incurred in deriving the least against those risks which can be insured.
which are dividends and potential appreciation in rental income, valuation expenses incurred for Here I want to emphasise on structure of
share values. Similarly from property, there are raising of loan, legal expenses for raising the If you have a salary or business income of ownership. Should the investment property be
two types of returns which are rent and potential loan, bank fee etc can be claimed as deductible $100000, you need to pay tax only on $100,000 held in personal, in loss attributing qualifying
appreciation in value of the property. expenses. Depreciation on building and chattels minus $11000 i.e. on $89,000. As per present tax company or in trust name? In the earlier scenario,
Before embarking on the path of becoming a can also be claimed although there is no cash rates, you will save $4290. So by owning the in- there is tax gain of $4290 as the taxable income
property investor, one must understand the ad- outgo. But when the property is sold at more vestment property, your cash loss has been only before loss is $100,000, means the person is at
vantages and disadvantages of property invest- than depreciated value, depreciation is added to $11000 minus $4290 i.e. $6710. a maximum marginal tax rate which is 39%. If
ing. income in the year of sale. To make up that loss, the property value needs the marginal tax rate is lower i.e. 21% or 33%,
The advantages are: If the rent is not enough to cover the ex- to rise by only around 2.25%. One will invest in the resulting tax advantage will be lower. So, it
1. There is income from rent, which is a good penses, the property is called negatively the above venture only if there is expectation of is always better to seek professional guidance for
source of earnings and is normally certain. geared and it works as below: annual capital appreciation of more than 2.25%. solutions tailored to your needs.
2. There is a good chance of capital appreciation. Suppose you buy an investment property for Suppose you keep the property for 10 years, the Ravi Mehta is an Auckland based Financial
3. There may be tax advantages if the property is $300,000, which gives you a weekly rental of rent, interest rate and expenses remain the same, Advisor and
negatively geared (discussed below) $300. Using your own house as collateral you your $300,000 property should at least rise to can be contacted on ravi.mehta@pfsl.co.nz
The disadvantages are: raise a loan of $300,000 from bank at an interest $367,100 to make it break even. Whatever is over A disclosure statement under Securities
1. The property can remain vacant for some time, rate of 7% per annum, the taxable income from and above that is your real profit. Markets Act relating to his services is available
there may be bad tenants who can cause stress, property will be as below (ignoring depreciation) Normally over the long term, the property on request and is free of charge.
high maintenance costs and loss of income (note: prices as well as rents go up. The rent may in- Important Note: We at Professional Finan-
some of these losses are insurable) crease to levels enough to cover all expenses and cial Solutions Limited offer various financial
2. Interest rates can rise resulting in higher pay- the result will be that the property will become services like arranging for Home loans up to 95%
ments, which could become difficult to afford. Rent (assuming the house is let positively geared. The ultimate aim of all prop- of security value including against residential
3. There may not be capital appreciation; there out for 48 weeks) = $14,400 erty investors should be to become positively properties. We structure your loans and owner-
can even be decrease in house prices particularly geared. ship of property in most tax efficient manner. For
if someone has bought at the peak of the eco- Remember, there is investment risk involved further information, please visit our website www.
nomic cycle. in all types of investments. The risk is more with professionalfinancial.co.nz
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Submission to the Auckland 2. The Bill is aimed at overcoming the failures Local self government purpose is lost if this is neering requirement. They build and sell.
following late 1980s amalgamation not actioned. It is the final user that the government needs to
Governance Legislation 3. One Council will bring savings by getting rid 3. Stress should be laid on uniform planning understand is the customer to be
of too many CEOs and duplicating staff views, common engineering standards, serviced in the long run.
Committee and resources. processes and practices which will facilitate de- 9. Competing councils and CCO’s (Council
New Zealand Indian Central Association velopments across the region. Controlled Organizations) can be rated by
NZICA was formed in 1926 with three branches NZICA’s submission: 4. Removing duplicate top brass should be a pri- customers but one council’s monopoly can take
Auckland, Country Section New Zealand has championed the local self gov- ority. Too many CEOs and board of away any competition and dictate
(Taumarunui) and Wellington, where there was ernment and has understood the directors are a burden. Likewise removing du- blatantly.
a sizeable population of Indians meaning of real franchise way early and the plications on account of software and 10. NZICA would like current National govern-
residing. The Indian community throughout same can be substantiated as in 1893; it such tools can be a big step forward. ment to take full charge of the planned
New Zealand at that time in its history, was the first country to give women the vote. 5. New Zealand is a multicultural society and actions and not give a feeling of using ‘ACT’ as
felt the need for a single body to represent them RMA is one of the most beautiful not a bicultural society of 19th and 20th an expendable partner if things do
in their fight against oppressive legislations which make New Zealand what it is century. Aspirations of all major constituents not work out.
legislation and discriminatory immigration today. Clean green and sustainable should be taken into account while 11. NZICA recommends keeping retail and
policy, and to promote harmony between environment needs stringent rules and regula- deciding about seat reservations. NZICA does wholesale services of functional sectors
Indians, the Maori people, and the dominant Eu- tions and this is the image that will benefit accept rights of indigenous Maori apart. Like in case of water sector, Auckland
ropean population in New Zealand; us in the long run and not quick fixes to facilitate people but would emphasize that role for other water standard is one of the best in the
and to respond to misleading propaganda con- profits for sharks. In view of current major communities’ needs world so why not concentrate on Transport
cerning Indians living in New Zealand. situation and understanding the drivers of the consideration. Government can even look at which is one of the worst in the world.
The Central Association was also formed to bill, NZICA hereby submits that: taking representation at an appropriate Conclusion:
advance the cause of all Indians, be it 1. New Zealand needs to remember that Auck- tier from representative bodies like NZICA. On behalf of the Kiwis of Indian origin, NZICA
political, educational, health, welfare or cultural land is still one of the best places in the 6. The whole process needs to be above board submits that as acclaimed by
identity. world. Too much of change may take the focus and playing favorites needs to be international evaluators, Auckland is a great city
Today the three branches have grown into ten away from the real issues like Law arrested immediately. It seems as if big bosses to live in and this could not happen
independent, self governing, and Order and Transport. NZICA considers all over are making room for each without some practices that are currently in
incorporated branches throughout New Zealand, these two as the only issues that need to other to get their share in lolly scramble. place. We do accept that there are issues
all affiliated to the New Zealand be tackled on priority. 7. Government needs to quantify benefits and like Transport and Crime that need attention.
Indian Central Association (Inc.) and there are 2. New Zealand government should be aware put a seal on rates for next 5 years at NZICA would advise government not to
other affiliated branches representing that too much of concentrated power in least to give a challenge to new body to put cost fall prey to business sharks who blame every-
various Indian ethnic groups. Association repre- ‘One Auckland Council’ may create a parallel saving processes in place. NZICA thing that restrains them. At the end this
sents about 100,000 kiwi Indians and seat of power to the one in Wellington. would like to take an active role in making work- legislation should not trample upon Democracy
90% of whom live in Greater Auckland area The friction currently seen at local level may able suggestions at regular levels. and it is not rules that matter it is the
NZICA’s Understanding of the Auckland transfer to national scene. NZICA would 8. Proposed changes should not mean ‘Develop- will to administer that matters most.
Governance Legislation:- suggest keeping limited powers with ‘One ers and Builders’ go berserk and kill our For complete submission, visit www.indian-
1. The Bill intends to facilitate fast tracking reso- Auckland Council’ and distribute power by environment. NZICA understands that given a weekender.co.nz
lution of regional issues which are empowering local ‘Boards’ with executive chance these ‘Developers and
currently getting delayed due to local issues. powers which do not require inventions. Builders’ would not like any planning or engi-
WEEKENDCUISINE BAZAAR
Recipe by Ruby Dhillon Recipe by Shri Desai
Chicken Sauté
Chicken Lasagna Ingredients:
•0 Boneless Chicken Chunks- 200 gms
•0 Onion- One medium- Cut into large quarters and
Ingredients: peeled open each slice
•0 1 Pack of lasagna oven ready sheets •0 Frozen mixed vegetables-80 gms
•0 500g chicken diced •0 Sesame seed oil-50ml
•0 1 onion chopped •0 Corn flour starch-1 tea spoon
•0 1tsp garlic paste •0 Soy sauce-5 ml
•0 2 big tomatoes chopped •0 Salt- To taste
•0 250g tomato paste (from any super market) •0 Black pepper powder- a pinch
•0 500ml chicken stock (from any super market) •0 Sugar – a pinch
•0 1/2cup broccoli chopped
•0 Oil for cooking Method: total time 6 minutes
•0 Salt according to your taste
White sauce •0 Place a wok on the stove
•0 3tbs fine flour ( Maida ) •0 Add oil
•0 3cups milk •0 Add chicken and sauté for about 2 minutes
•0 2tbs butter •0 Add frozen mixed vegetables and sauté (stir fry)
•0 1/2cup Mozzarella cheese •0 Add 100 ml water,soy sauce,black pepper,sugar and
•0 1/2cup Parmesan cheese salt to taste
•0 Salt and pepper to taste •0 Bring to boil and switch to simmer.
•0 Dissolve corn flour in cold water and slowly add to the
Method: sautéed chicken and stir. New Zealand’s
•0 Melt butter on a slow heat in a pan.
•0 Add flour to it and stir for 2 minutes.
•0 Serve with steamed rice.
fastest growing
•0 Remove the pan from the heat, then add milk, mix it and then
again return to heat and stir it until it is thick and smooth. Indian publication
•0 Add Mozzarella cheese followed by salt and pepper to taste.
•0 Pre heat the oven to 180 deg C. requires a
•0 Grease the baking dish with oil and put 1/2cup of the cooked
chicken mix in it followed by one lasagna sheet and then a journalist/
layer of white sauce on it. Keep repeating this sequence till the
sauces are finished, ending with white sauce on the top.
sub-editor.
•0 Sprinkle Parmesan cheese on the top, cover the baking dish
with the foil and Bake it in the oven for about 40 minutes. Email your CV to
info@indianweekender.co.nz
•0 Serve hot.
Chai Ho!
RAm Lingam