Sources
Viki Odintcova, via Instagram.
Alexa Breit, photographed by Weniamin Schmidt, via Instagram.
Vickery Electrical advertisement: something I asked my Dad to photocopy for me in the 1980s. Briefly we had one of those Apple II portables, on loan from a colleague of Dad. I can’t recall if it had one disk drive or two, but it was a fun little unit to have in my bedroom for that period. Dad was prepared to buy it if I wanted to keep it, but I didn’t have much software to run, plus I already had the Commodore 64 for schoolwork. Lucire issue 43 cover, photographed by Damien Carney, creative direction and fashion styling by Nikko Kefalas, make-up by Joanne Gair, hair by Kirsten Brooke Anderson, and assisted by Rachel Bell, and modelled by Elena Sartison. Find out more here.
Drew Barrymore quotation from Elephant Journal on Twitter.
I still have plenty of old stamps, which I tend to save for family (though I’m less discerning about those discounted Christmas ones, which I always used to buy in bulk). This is going to my cousin’s daughter and her husband, and their family.
Comments after an article on Buzzfeed News. Business as usual for Facebook.
Happy birthday to our niece Esme!
Tania Dawson promotes Rabbit Borrows, from Instagram.
Demolition has commenced on 1â4 Māmari Street, across the road from where I lived for over three decades.
Iâm not against change and my feelings toward the development have already been recorded here.
It was with a tinge of sadness that I saw the demolition crews there and the only wall left standing was part of the north side to no. 4.
Right now the sections, littered with debris, are letting in plenty of summer sunlight.
But not for long.
Iâll remember Gus and Lyna Bourkeâs place at no. 2 which I understand they bought after the war. Lyna was widowed by the time we met her in 1983, and she had an incredibly low-mileage silver Hillman Hunter in the garage. As her eyesight failed, the car stayed in there, and it was in incredibly good nick by the time she passed in the 1990s. We always had good chats and Lyna was our âneighbourhood watchâ as she kept an eye on the street from her living room.
Frank and Carol Reading and their family at no. 3 were probably there for a decent half-century, and they were incredibly good neighbours. Frank passed only a few years ago but they had wisely bought the Bourke residence as well in the 1990s, plus no. 4 decades before, so I imagine that made life easy for the developers who only had to purchase from two sellers to build on the site.
We visited the Reading house many times over the years to help each other out, and that was the great community we had in the cul-de-sac back then. On our side of the street there were frequent chats over the fences with nos. 12 and 14.
The old street changed a lot when both nos. 10 and 11 went on the market in 2018, then it was our turn in 2019. And now it has had its biggest change in probably a century as those old weatherboard bungalows from the early 20th century were demolished.
I realize same-again McHouses arenât everyoneâs cup of tea but as one famous architect recently told me: itâs hard to get creativity consented. And the demand is there, so this was inevitable. I already felt that the old street was a memory, but one that could be refreshed on a revisit; but now it really is a memory. Contrast this with the other neighbourhoods Iâve lived in Wellington, which have remained largely the same, or were subject to far slower developments after our departure.
Just as well I got the neighbours together in 2011 to stop the council taking away the right turn into the street. With 24 dwellings there in the near future, theyâre going to need it more than ever.
And yes, the above video was on Instagram, which is going the way of Myspace and Facebook, I believe. I haven’t been on there for nearly a fortnight and the feed held little interest to me. Near-daily âGramming from 2012 to 2019 was enough.
This was the back of Mum’s 1985 tax assessment slip from the IRD. Helvetica, in metal. The bold looks a bit narrow: a condensed cut, or just a compromised version because of the machinery used?
Not often seen, since by this time phototypesetting was the norm, though one reason Car magazine was a good read was its use of metal typesetting until very late in the game. I know there are many reasons the more modern forms of typesetting are superior, least of all fidelity to the designed forms, but there’s a literal depth to this that makes me nostalgic.
When Dad was made redundant from Cory-Wright & Salmon, which had purchased his workplace, Turnbull & Jones, he bought all the Grundig equipment and accessories, thinking that he would find it useful. And for a while he did. The odd one he cannibalized, while the parts were used and adapted. Cory-Wright wound up contracting him for all the servicing of Grundig office equipmentâprincipally dictating machinesâand actually wound up hiring three people after they realized all the things Dad actually did there.
He was quite happy to go to work for himself, as he picked up contracts with other firms as well. Some were companies who had gone to him at Turnbull & Jones anyway, and upon being told he had been let go, sought him out. But in the long run Grundig proved to be a fraction of what he wound up fixing, and it was the Japanese brands that I usually saw at home in his workshop, along with Philips (and no, the Japanese brands were not more reliable). Like many hard workers with a customer base, he did far better in self-employment than he did as an employee.
Which brings me to this post. You could say this cache of Grundig parts is part of my inheritance, but what to do with it? The trouble with being in New Zealand is that thereâs no Ebayâweâre told to use the Australian one if we wished to sell, except none of the postal options applyâand outside these shores no oneâs heard of Trade Me.
Iâd like to sell the bits though I havenât done an inventory yet. That was one of my favourite things when I visited Dad at Turnbull & Jones: he kept an inventory of all the items in his room and I used to make new ones as a fun activity. I marvelled at the new packaging that Grundig introduced, and this probably got me in to German graphic design.
Hereâs one item for starters: the wall box (die Wanddose) for the central dictation system (Central-Diktat-Anlage), Typ 593. I have at least five of them, boxed. This was opened for the first time when I took the photo, between 40 and 50 years after it was packaged. That’s the original rubber band as it left the factory in Germany. Some have already been opened. Iâve microphones, foot controls, complete machines. Suggestions are welcome, especially if someone might find it all useful. Those mics are going for âŹ12 on Ebay in Germany, and mine are new. If anyone out there ever wondered, âIs there a lost cache of Grundig parts out there?â then I have your answer.
How interesting to find a photocopy of a letter my Dad wrote to the Department of Social Welfare in 1986, to apply for National Superannuation on behalf of his parents.
We had been here less than a decade, but, frankly, Dadâs correspondence was always like this. The whole idea of immigrants coming to Aotearoa with limited English always smacked of racism and intolerance to me, and this letter illustrates that it might actually be our linguistic superiority in mastering another tongue that has racists and xenophobes worried.
There are some minor errors here, and he could have used a few commas instead of full stops, but itâs on a par with period correspondence from native Anglophones.
I still have this Underwood typewriter.
For your listening pleasure, here’s tonight’s podcast, with a bit behind the scenes on my first appearance on RNZ’s The Panel as a panellist, and ‘I’ve Been Thinking’ delivered at a more appropriate pace, without me staring at the clock rushing to finish it before the pips for the 4 p.m. news.
At some point as a young man, my Dad worked at a bank. He had a formal understanding of financeâdespite his schooling being interrupted by the SinoâJapanese War and then by the communist revolution, he managed to get himself a qualification in economics, and had some time working for a bank.
I was taught all about promissory notes, bills of exchange, cheques, honourable accounts, balance of payments and foreign exchange as a teenager. He impressed on me why certain things were sacrosanct in banking, the correct way to draw a cheque, and why the Cheques Act 1993 in this country was a blight on how bills of exchange were supposed to work. Essentially, I grew up with what might have been a 1950s or 1960s idea of what banking is, things that were still mostly observed by New Zealand banks into the 1980s and the 1990s.
Today [Wednesday, July 29] I opened a new business account at TSB, with whom I had banked personally since 2007, as had Jack Yan & Associates. I will be closing the account at Westpac, because itâs clear to me that they donât believe in the fair dinkum banking values that my father taught me. By the time you read this, the closure should be a fait accompli, as I donât wish them to put up more obstacles than they have already.
Westpac held my mortgage on the old house, of which I had paid off 88 per cent before I sold it. I began my banking relationship with them in 2006, for reasons I wonât go into here. My parents had banked âon the Walesâ when they were new immigrants in 1976, and stayed with them for some time.
Very early on, I noticed how confusing their statements were. You can contrast theirs to everyone elseâs in Aotearoa, and believe me, I know: Iâve banked with a lot of people. Trust Bank, Countrywide, POSB, National, ANZâall the usual suspects that a Kiwi growing up in the 1970s through to the 1990s will have encountered. No, in itself thatâs not a reason to leave a bank, but they seem to exist in their own bubble.
I got caught out once or twice on not getting a mortgage payment sorted because of the confusing statements. And there was one time that Westpac decided to be relentless about it, by setting a bot on me. The bot would call at various hours hounding me to sort this out, with a pre-recorded message, and if you hung up, it would call again. And again. And again. Never mind that you havenât had a chance to enquire with the bank as to what was going on. This amounted to a breach of the Telecommunications Act, and I put this to them before the activity ceased. And no, in itself thatâs not a reason to leave a bank.
You are stuck with the buggers, and over the years Iâd make the payments. As many of you know, some of our companiesâ income comes from abroad, which I always regarded to be a good thing, since it helps with foreign exchange and this countryâs balance of payments. Twice, I think, I needed a top-up because a client was slow to pay, and I would clear that within 30 days. As interest rates changed (the mortgage was floating), the bank would, from time to time, send a letter saying I could reduce my mortgage payments and still keep to the payment schedule, and in 2010 I took them up on it.
As some of you know, in 2015 Dad was diagnosed formally with Alzheimerâs disease and eventually I became his full-time carer as his condition worsened, with predictable results on my work. But hey, Westpac has all these posters around their branches with Dementia New Zealand logos telling us how great they are, and how they can help. Since Dementia New Zealand wonât acknowledge or respond to my complaint about this (Dementia Wellington, on the other hand, had), let me publicly say that this is bollocks. My experience tells me that it appears to be a feel-good exercise that counts for nowt for a bunch of arrogant twats in Australia.
My branch was great. They were decent, hard-working and friendly people, and many of them stayed for yearsâalways a good sign. But outside of the branch is where youâll find the rot.
In 2019, my partner and I found a home we wanted to purchase. After Dad went into a home in July 2018 I had begun renovating the old place anyway. The new house was a step up, and by the time we factored in all the costs, we would need to borrow under 20 per cent of the total purchase price.
Westpac wanted to see the balance sheets, as was their right to, and Iâll say now that they werenât rosy. Of course not, not when youâve been a caregiver. However, by this point I had got back in the saddle, and I could show them contracts that we had secured.
Apparently this wasnât good enough for that 20 per cent. The fact I had been a caregiver and had an account at a bank which had a Dementia New Zealand endorsement carried absolutely no weight.
The mortgage officer said that according to the balance sheet, I couldnât even afford the mortgage. Turns out he didnât know how to read a balance sheet and the âMortgage repaymentsâ line therein. And no, in itself thatâs not a reason to leave a bank.
Apparently, the fact my income was coming from abroad was a concern. Yet it was never a concern for Westpac in 13 years when I was paying the mortgage with that foreign income. Earning foreign exchange for your country and helping with its balance of payments are, seemingly for Westpac, a bad thing. I suppose it would be to greedy Australian bankers, who love to see a weakened New Zealand subservient to other nations. If you adopt this viewpoint when examining how Australian-owned publications here behaved (Iâm looking at The Dominion Post from that era), then it actually all fits neatly, given their editorial bias. And no, in itself thatâs not a reason to leave a bank.
I know some of you in banking will be going, âBut there are the anti-money-laundering requirements,â which I get, but what about the idea of an honourable account? Other than what I outlined above, I was a good customer, and every other bank will tell you the same: I kept honourable accounts. But maybe honour isnât a thing for Westpac.
Never mind. We approached two mortgage experts who worked tirelessly for us, and whom I heartily endorse here. Lynne Russell, an old friend of mine, was the first I approached. And Stephanie Murray was referred to me by a good friend from school. Both ladies went to second-tier lenders, told us that the foreign income was the problem, and proceeded to get us the best deal possible. Stephanie won out because of the interest rate, and she noted that the lender, Avanti Finance, was quite happy because I had a good credit rating. But while most Kiwis were enjoying home loans at around the 4 per cent mark, ours was nearer 11 per cent (and this was the lower one). Stephanie, and later my own solicitor, noted that my problem was not unique, and they had clients who were also earning money from abroad who the banks shut out. This is a grand mistake in my book, because these are the very people we should be rewarding and encouraging. Youâve heard of export earners, right, banks? We usually talk about them in positive, glowing terms. Turn on the news. Get schooled.
We still had renovations to do. At least Westpac would give me a top-up to get that sorted, surely. After all, we had already engaged a builder and he needed money for materials.
Um, no. Westpac shut off that avenue completely. From memory they could give me a couple of grand, and that was it. This was despite my having a six-figure mortgage that I had whittled down to around a fifth, a relatively small five-figure sum. At all other times, it was fine, even when I enquired about purchasing a car. But not any more. And no, in itself thatâs not a reason to leave a bank.
Harmoney came to the rescue there and we were approved within 24 hours. Interest rate: 14·55 per cent.
I had set up the direct debits with Avanti using my honourable (or so I thought) Westpac account.
Except Westpac had one more trick up its sleeve. They seemed intent on making sure we would never move, so, without notice, they doubled my mortgage payments. They kept going on about how I was falling behind. No one at the branch could explain why, not even one of their most senior staff. If I hadnât caught one of the debits, I would have defaulted on an early payment to Harmoney. Fortunately, I spotted it in time, and pulled some money from a TSB account to plug the gap.
And no, in itself thatâs not a reason to leave a bank.
But all together, they were reasons.
We sold the house, discharged that mortgage, and thanks to my very talented partner and her skills in money management and property investment, we managed to get our finances in order. I won’t elaborate on this since I regard this part as private, but let’s say Westpac should have had faith in us since we carried out what we proposed we do.
It was only when the Westpac mortgage was discharged that the bank apologized for doubling my mortgage payments and gave a reason for doing so.
Remember that letter in 2010 which said I could reduce my payments without affecting things? Turns out that affected things, and they wanted to grab what they could to make up for lost time. Not that they thought it was important to tell me any time between 2010 and 2019. They only played this at a customerâs most stressful point, and buying a house is one of the most stressful things you can do as an adult.
So much for me being such a massive risk to Westpac. We told them our game plan to get to where we are today, and we carried it out to the letter. Two well educated, well qualified and intelligent people. Yet we were viewed with suspicion from the first moment we said we wanted a new home. So how do they treat people with less education or with a shorter history? If they are the Dementia New Zealand-friendly bank how do they treat those who haven’t had to deal with dementia? The branch was awesome and did right by us but as they’re not the ones approving things, then I can only expect that others are treated far, far worse.
I felt they only apologized because they had thrown everything at us and realized we had a greater resolve.
This experience teaches me that if youâve kept up a decent history with Westpac, earned foreign exchange, and helped with your countryâs balance of payments, then they will shit on you. Since sharing parts of this story on Twitter, Iâve heard of similar unreasonable treatment by Westpac toward hard-working New Zealanders. The moment they learn you need them, youâre on their radar, and they will block every avenue you normally would haveâavenues that you exercised literally just months before, like the top-up. Because why have a customer who is freed of their grasp? Thatâs just not good for business. Better to keep them impoverished and not let them move to a nicer home. Better to let them know whoâs really in charge. And, ladies and gentlemen, that explains a great deal about why foreign ownership can be troublesome in so many quartersâand why Iâm happy to take this account to TSB. Thanks to Kerry Gribben and Panith Ear at TSBâs Wellington branch for sorting me out and making it totally painless. And Kerry was a total pro in not slagging off a competitor, especially given where he once worked (he didn’t tell me, but he knew a lot about Westpac’s processes!).
I had to choose a New Zealand bank on principle. The Cooperative Bank was on the radar, and they were really friendly, though I thought their charges were a little high and TSB looked better capitalized on the figures I could find. However, my respect goes to Brian Batchelor at the Wellington branch for being thoroughly professional. It would have been nice to have gone there, since Medinge Group banks with Coop in the UK, and a mate of mine who did some contract work for them says that our Cooperative (a different and unrelated entity) are genuine about their promises to customers.
Kiwibank didnât even reply to emails when we were trying to get a mortgage, and rejected all PDFs and ZIP files I sent their despite them saying their email systems could accept them. They just gave up all contact, so I figured they didnât need the business. And I hear they donât do foreign exchange anyway, which is just bizarre for a state-owned bank that should be encouraging foreign exchange in these economically tricky times. SBS had no nearby branches (technically, Blenheim isnât that far but you canât drive there without an amphibious car). Sometimes, you just go back to what you know.
Today (Friday), the day I am posting this. Westpac accounts shut (despite a massive queue at Lambton Quay). Really nice young chap behind the counter. Except I have 35 cheques on which I want the duty refunded. He didn’t know how to do that and wrote down the helpline number. I called that. Eighteen minutes later, the rep there didn’t know how to do that and referred it to my branch. I really need them to pay me back the NZ$1·75 on principle and then I will consider the matter closed.
Usually I find it easier to express myself in written form. For once, Black Lives Matter and the protests in the US prompted me to record another podcast entry. Iâm not sure where the flat as and the mid-Atlantic vowels come from when I listened to this againâmaybe I was channelling some of the passion I was seeing in the US, and I had watched the news prior to recording this.
My Anchor summary is: ‘Personal thoughts in solidarity with my black friends in the US. Yes, I posted a blackout image on my Instagram but it didnât seem to be enough. This is my small contribution, inspired by a Facebook post written by my white American friend Eddie Uken where he reflects on his perspective and privilege.’ Eddie’s Facebook post, which is public, is here.
Finally, a podcast (or is it a blogcast, since it’s on my blog?) where I’m not “reacting” to something that Olivia St Redfern has put on her Leisure Lounge series. Here are some musings about where we’re at, now we are at Level 3.
Some of my friends, especially my Natcoll students from 1999â2000, will tell you that I love doing impressions. They say Rory Bremner’s are shit hot and that mine are halfway there. It’s a regret that I haven’t been able to spring any of these on you. Don’t worry, I haven’t done any here. But one of these days âŠ
I know what youâre thinking. âDid he have six kids or only fiveâ. Well, to tell you the truth, in all this excitement, I've kinda lost track myself.
