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yours to take home ISSUE 7 03 2012 siMon poWeR on why he went private BRian Mcclennan a neW coach foR a neW season Rescue choppeRs saving lives aRound nZ Win andRe s Kitchen cooKies & Julie up foR gRaBs Biuso s latest BooK Westpac New Zealand Limited It was a delighted Mel Hiller who received a surprise early Christmas present from Westpac CEO George Frazis in the form of a cheque towards the valuable community work she undertakes in Aranui Christchurch. Mel is pictured centre with at left George Frazis and to her right Stanley Beale from Guldrn Harvest Foundation. I hope as autumn has now arrived that many of you had time over summer to put your feet up relax and to put some plans in place for the year ahead. For some it may be a new career and for others it may be a new home business or farm. Many New Zealanders have quite rightfully over recent times concentrated on clearing debt and building up equity so are well placed to think that they can now start to shift their focus on to how they may grow their asset base. Owning your own home is still very much an aspiration for many New Zealanders. Affordable housing is something I know is on the mind of our political leaders and I am proud of the work my team has been undertaking including talking with iwi to look at how we can work together on this issue. At the beginning of the year I had the pleasure of catching up with Prime Minister John Key and it is clear that we share a common objective in bringing growth into the economy. We are a small country and not immune to what is going on in the northern hemisphere however we so often punch above our weight and there is no reason at all why we can t when it comes to our own country s economics. On an individual level it is amazing the difference one person can make to the lives of many and just prior to Christmas I was privileged to meet an exceptional New Zealander Mel Hiller from Aranui Christchurch. She is a single mum who is not prepared to sit back and watch children in her neighbourhood drift into a cycle of unemployment crime and hopelessness. For the past four years she has opened up her own home to local children as a place of refuge keeping them off the streets while also giving their mums (mostly solo parents) a break away from their children. But demand for her services has resulted in her moving to larger premises. I was delighted to be able to present Mel with a cheque so she can continue to offer hope to many where there was little. Another young New Zealander I was proud to present a cheque to this year was our rising track and field athlete Jacko Gill who was a popular winner of the Emerging Talent Award at this year s Westpac Halberg Sports Awards. We are already a quarter of the way through the year and I wonder how many of us have ticked off any of our new year resolutions. Finances tend to feature high in many people s lists so if it is help that you need help is what we do at Westpac and I know we would love to talk to you. I hope 2012 is a prosperous year for you all. Warmest regards George Frazis Chief Executive Westpac New Zealand Ltd contents p5 Trish McQueen Amazing personified p7 The cookie king Andre Wike a recipe for success p11 Four extraordinary tales from the Rescue Helicopter p15 Julie Biuso s dessert secrets p17 Take a tour through a southern garden paradise p23 Meet Westpac s employee of the year move up north p1 Simon Power on his p3 Brian McClennan A new coach for a new season with the NZ Warriors Contact us Susan Rockliffe Editor Phone (09) 367 3942 ext. 88942 Email Susan_Rockliffe westpac.co.nz Ryan Boyd Sub-Editor Phone (09) 367 3875 ext. 88875 Email Ryan_Boyd westpac.co.nz Nadeem Ali Distribution Phone (04) 498 1881 ext. 84881 Email Nadeem_Ali westpac.co.nz This magazine includes articles and stories intended to be of interest to and about customers staff and the New Zealand public for information only. While all opinions statements and analysis are based on information current at the time of writing from sources believed to be authentic and reliable the opinions expressed are not necessarily those of Westpac. Readers should seek their own independent professional advice. Westpac New Zealand Limited. ISSN 2230-3081 (Print) ISSN 2230-309X (Online) This is printed on FSC certified environmentally friendly paper sourced from audited well managed forests and is printed with soy based inks. Power people Power people To The By Karen McCarthy love Red 1 I doN T rEGard MySELF aS a poLITICIaN aNyMorE. aNd I ThINK To do CrEdIT To aN INCrEdIBLE opporTuNITy LIKE ThIS you havE To WaLK ThrouGh ThE opEN door WITh a vEry dETErMINEd vIEW ThaT ThaT S WhErE you NoW BELoNG. aNd ThIS pLaCE haS WELCoMEd ME IN a Way ThaT I FEEL I vE BELoNGEd hErE For quITE SoME TIME. When former Cabinet Minister Simon Power told me he was using public transport to get to work to his new job in Auckland I didn t quite know whether or not he was joking. He wasn t. I ve been taking the bus in each morning to Britomart. These guys give me a hard time saying it s like a big purple Crown car. I don t know if I ll keep it up in winter but it s great. It s an endearing insight into the character of the man tipped as a future National Party leader a hugely talented and highly regarded politician some say could have been Prime Minister one day had he stayed. But in an announcement which left many reeling Power last year announced he was quitting politics. This after four terms three years as a senior Cabinet Minister including the blue-ribbon portfolios of Justice Commerce Consumer Affairs and the Law Commission. A politician at the top of his game. So why walk away It s a great business with terrific people in it. With the brand and the leadership with the trans-Tasman element the chance to be part of the financial markets discussion it was a fantastic opportunity. Power entered Parliament in 1999 as an MP for Rangitikei at the tender age of 28. Unlike so many other politicians Power enjoyed consensus becoming a master at reaching across the political divide. You can t avoid the day to day jousting and I don t shy away from it. And I think people who say question-time should be more polite and structured don t understand that s the time to test the Executive. But the truth is you could get more done and see those reforms endure beyond a political cycle if there is consensus. That means backing off admitting you are wrong sometimes. Sometimes people bring things to the table you haven t thought of. Sometimes they bring a perspective that if you are just able to tweak your idea slightly you could get much wider buy-in. And as long as the kernel of the idea of your reform is not disrupted then why argue at the margin In his time Power shepherded along a huge reform agenda. Making things happen is why he says he got into politics in the first place. I d always planned how long I wanted to spend in Parliament he told me. I always knew what I wanted to do while I was there. When we came into government I had a very clear plan worked out broken down month-by-month. When you ve been in opposition nine years you get lots of time to plan. I knew what I wanted to achieve and I executed it. And that was the time to move on. Parliament s loss became Westpac New Zealand s gain Simon Power joined the corporation in January as head of its Private Bank. Moving to Auckland with wife Lisa and their two young sons he s relishing the challenge. It s a great business with terrific people in it. With the brand and the leadership with the transTasman element the chance to be part of the financial markets discussion it was a fantastic opportunity. Among the bills passed into law he s most proud of are on-the-spot police protection orders in situations of domestic violence legislation making it a crime to turn a blind eye to child abuse and on the finance front the securities law reform and the Financial Markets Authority. We achieved a lot particularly in electoral reform and some of the bigger justice reforms. I think every reform we introduced in the financial market was supported across Parliament. By and large they would say we didn t always get what we wanted from him but he was reasonable to do business with. And the Prime Minister was great in affording me that flexibility in the way I did business. Some commentators say Simon Power is young enough to perhaps re-enter politics after a few years in the corporate world. However you get the feeling he s always looking forward not back. And besides the new boy is not missing the Beehive one little bit. It s quite unique working in a place where everybody has the same vision and you are not watching your back What you have to do is close the door and say I don t belong to that world anymore. There is no public sector-facing part of this role which I am hugely enthusiastic about. George Frazis (Westpac New Zealand s Chief Executive) made this remarkable statement to me. He said When you walk in on your first day Simon you are a banker . And that s what I wanted to hear from a future employer. You are starting afresh. You are not on the fringes of government. This is a new challenge a new dimension a new start for you. It s a new start for Westpac. love Red 2 Most former politicians when they leave fall into three categories a kind of ambassador role a lobbyist fringe around government role or board appointments. None of those appealed to me at 42 and still with a reasonable thirst for the execution of change. So I was looking for somewhere else to take that approach and when Westpac said to me What about this you could have knocked me over with a feather. Brian By Karen McCarthy The Life of IF WarrIorS CoaCh BrIaN BLuEy MCCLENNaN IS FEELING ThE prESSurE oF TaKING ovEr a TEaM aFTEr a drEaM ruN IN 2011 hE S NoT ShoWING IT. The Auckland club made it to a thrilling Grand Final showdown against Manly last season sparking talk of the dawn of a golden era. Fans are now daring to dream the Warriors can lift rugby league s Holy Grail in the not too distant future. When I spoke to the inspirational former Kiwis coach he was unshakeable in his belief that the Warriors have it in them to not only get to another Grand Final but go one step further than last season and win it. That s the aim. That ll be the aim every year. I can t see the point of getting to the base of a mountain and going Right we re gonna climb up halfway boys. It doesn t make sense. We want to get to the top. We are setting off to get to the summit. McClennan is renowned as a master motivator the man who led New Zealand from nowhere to a stunning 24-0 victory over Australia in the 2005 TriNations. An Auckland captain in his playing days he lives and breathes league. What drives me is the relationships formed. Since I was four years old my biggest passion has been to be with the team and compete. That s what motivates me. Getting together with a group of people at the start of the year and going right let s work out a plan for how we re going to win this thing. The man they call Bluey comes from a family steeped in the game. His dad Mike a successful coach in his own right remains a major influence. I m extremely proud of my dad. He is my mentor. If there s something puzzling me and I ve discussed it with my staff and I m still not sure he is the one person I ll go to. McClennan is back after three golden years coaching Leeds where the club won backto-back UK Super League titles narrowly missing out on a third in 2010. Now his goal is for the Warriors to carve out a place in the top four of the NRL. Obviously as a club we want to win a premiership. But the challenge for the players the staff and the club itself is that we want to become a Brisbane or a Manly or a Melbourne. Regularly on the big stage. Throwing punches at the back end of the season. That s got to be the goal for us. And in true-Bluey speak it s going to take some hard yakka to get there. It s a journey. A great Aussie league coach Jack Gibson used to say winning starts on Monday . And it does. It takes a lot of work. You can t just arrive on game day Sunday and expect to be great. You have to be great from Monday onwards. That s a good saying... one I think about a lot. love Red 3 i m extremely proud of my dad. he is my mentor. if there s something puzzling me and i ve discussed it with my staff and i m still not sure he is the one person i ll go to. love Red 4 heart By ryan Boyd A brave opEN SESaME TrISh MCquEEN CoMMaNdS aN auToMaTIC door aS WE EXIT CoaSTLaNdS MaLL IN parapararuMu. As the next door begins to shut she scolds it Ah no you don t and the doors scuttle into their hiding places on each side obliging her wishes. But it s not just the doors in town that are happy to help Trish as almost everyone we pass seems to stop and say hi. You could say Trish is a bit of a local celebrity and it s not hard to understand why. Named Kapiti Sportsperson of the year in 2011 Trish has made a bit of a name for herself in the world of triathlon having completed the Kapiti Women s Triathlon in February 2011 and when we meet she is training hard for the upcoming 2012 race. There s no doubt that completing a triathlon is a great achievement but it s Trish s courage and attitude that make her such an inspiration. Born with cerebral palsy Trish has always had difficulty speaking and moving. That s barrier number one when wanting to train for not one but three disciplines. But did this deter Trish Spend some time with her and you ll learn that almost nothing will do that. I always want to do something new and so I thought I would have a go at it. I had to spend a lot of time training as my fitness was poor. But this year I m not as unfit And now that she has a few races under her belt 2012 will bring more events for Trish as she hopes to up the intensity a bit. It s fitting then that Trish won the Courage in Sport Award at the 2011 Attitude Awards. Trish also has no family support so lives with a combination of independence and help from volunteers members of the community local businesses and friends. We got to see this love first-hand when we visited Trish s local gym City Fitness. Trish s mentor and friend Michelle Laurenson is always nearby to offer support. Named Kapiti Sportsperson of the year in 2011 Trish has made a bit of a name for herself in the world of triathlon. Here s trouble one staff member calls out as she walks through the front door. Everyone is happy to see her and it s clear people do not do this out of any sort of obligation everything they do for Trish is because they genuinely want to do it. It s made her want to do better in all aspects of her life says Michelle. She s got her teeth fixed got a haircut does her nails all of which she wouldn t have done previously and she also wants to further her education. One of the highlights of Trish s short sporting career was meeting Sir Murray Halberg at the Attitude Awards. As she recalls the experience Trish goes bright red. Her admiration for the man who has made sporting so much more accessible and enjoyable for people with disabilities through the Halberg Trust is evident and he has been a big inspiration. She admits almost bowling him over in her excitement as she went up on stage to collect her award. Now Trish like Sir Murray is herself an inspiration for other locals with disabilities taking another athlete under her wing and already having a second athlete lined up to support in the 2013 triathlon as well. If there s one thing I learnt from my afternoon with Trish McQueen it s that nothing can stop her. When she has her mind set on something she will do it. It s an attitude we can all aspire to and many have been inspired by this Kapiti Coast charmer. But the most significant changes in Trish are not her fitness levels it s her confidence says friend and mentor Michelle who spends a lot of time with Trish. Courage is almost synonymous with Trish perhaps best displayed when she fell off her bike the day before the 2011 Wellington Round the Bays injuring her leg. But Trish had put too much hard work in to let something like a possible broken leg stop her so against the doctor s wishes she left the hospital and completed the race. love Red 5 Kiwi icons for By Linda Morris kiwi icons Tim and Louise have juggled running their own business with raising two children. WhEN ThE SILvEr FErNS aSKEd EvoLvE FouNdErS LouISE aNd TIM LaING IF ThEy CouLd WEar ThEIr jEWELLEry ThEy WErE ECSTaTIC. We re incredibly proud that such respected Kiwi icons use our jewellery as an incentive beams Louise. Now every new Silver Fern receives an Evolve bracelet and a Silver Fern charm and each time they reach a netballing milestone they receive another charm. Evolve charms and bracelets are distinctively New Zealand in character and include traditional symbols such as kiwi and koru through to kiwiana such as number eight wire a caravan and even a miniature Burt Munro bike. Tim says it s about reflecting the Kiwi identity. Each charm tells a story that is inspired by Aotearoa and treasured by the customer. We ve created heirlooms. Even the bracelet clasp has a story. It s modelled on two koru fossils Tim found in a rock on the shores of the Mohaka River. The story of Evolve began with Louise s passion for jewellery. First came party plan jewellery selling. Next the couple became distributors of high-quality Italian-designed LINKeuro jewellery. Then the Pandora brand arrived in New Zealand and Tim and Louise saw a gap in the market. There was a need for a contemporary charm bracelet that reflected what it is to be a New Zealander. And so Evolve was born about the same time as their first child Ashka who is now four. To say it was full-on is a bit of an understatement laughs Louise. They created each piece and oversaw manufacture in Asia until they had enough to put into a shop in Wellington as a trial. When we got that first re-order just a week later we knew we just had to jump in boots and all and go for it. Still based in Marlborough now with second child Morgan they re able to keep the business close to doubling turnover each year thanks to family support and a team of equally passionate staff. Evolve is now sold in over 80 outlets and even at Scott Base. Our advice to other small businesses is to think big. Our aim was always to prove ourselves nationally and it worked. And don t be scared to ask for expert help along the way our business mentors and Westpac were fantastic. Louise and Tim say the sense of achievement they ve had after creating such a strong brand in such a short time really hit home to them through sales of their specially designed Aotearoa s Heart piece. Created and sold to support the 2011 Red Cross Christchurch Earthquake Appeal Tim and Louise were able to partner with their Evolve retailers and together raise over 60 000 for the cause. It was important for us to give back to New Zealand. We respect the brand s meaning to our customers and because of that Evolve may evolve but it s here to stay. love Red 6 One smart By Nancy van dorp juST WhaT IS IT ThaT MaKES a pErFECT BISCuIT If anyone should know it s Andre Wike the young Auckland-based chef-turned-baker behind the award winning Andre s Kitchen brand. In time-honoured Kiwi tradition Andre learnt to bake with his mum and gran but he s the first in his family to make a living in the kitchen. Although establishing his business has not been a piece of cake. Last year was crazy one 16-hour-day after another says Andre who has juggled paperwork and deliveries with single-handedly baking up hundreds of scrumptious cookies a day. Taking on a baking assistant has finally freed him to pursue his favourite part of the business calling on potential clients. So what makes a premium cookie Andre s answer sounds simple Hand rolling top brand butter and the best quality ingredients available. Some of his successful recipes are family favourites others are old classics with a new twist. Andre is always looking for new ideas spending about a week playing around with a recipe before his lucky family and friends get to taste-test. His best seller Ginger Cookies featuring chunks of crystallised ginger and an amazing buttery-gingery taste. These tasty treats are so irresistible that they earned Andre s Kitchen the 2011 New Zealand Food Awards Westpac Bakery award. Somehow last year Andre also found time to complete the Journey to Export course through the Department of Trade and Enterprise and is now negotiating to send his biscuits off-shore. He also plans to have his cookies for sale on-line within three months. Home home Dilip Ragavan from Westpac s St Lukes branch was awesome in helping Bianca (right) buy her family home love Red 7 sweet By ryan Boyd oN 4 dECEMBEr 1984 SuE raNSoN purChaSEd a LovELy 1930 S hoME oN WaIhEKE ISLaNd IN auCKLaNd S hauraKI GuLF. 22 yEarS LaTEr To ThE day oN 4 dECEMBEr 2011 hEr dauGhTEr BIaNCa dId EXaCTLy ThE SaME ThING. In W Andre has kindly shared a recipe he likes to bake when he s feeling like a chocolate fix. Enjoy 200g semi-sweet chocolate chopped 90g butter 1 2 cup castor sugar 2 cups plain flour 1 1 3 eggs 1 tsp vanilla essence 4 cup good quality cocoa powder 2 tsp salt TErMS aNd CoNdITIoNS heprizedrawisopentothegeneralpublic(includingWestpac T New Zealand staff). ntrantsmustsupplyfullname phonenumberandemaildetailsto E be eligible for the prizes. No responsibility is accepted for ineligible entries or undelivered or late entries or entries made fraudulently and these entries are ineligible. nlyemailentriessubmittedcorrectlyaccordingtotheinstructions O above will be accepted. nlyoneentryperpersonwillbeaccepted.PrizesarenonO transferable and cannot be redeemed for cash. ntrantswillbedeemedtohaveacceptedtheserulesandtoagree E to be bound by them when entering this competition. herandomdrawwilltakeplace T on Monday 14 May 2012 and then the winners will be notified by email or phone. f thewinnerdoesnotclaimtheir I prize or is unable to be contacted within 10 (ten) days of the draw the prize is forfeited and another winner will be drawn. cceptanceof aprizebyaprize A winner constitutes acceptance for Westpac New Zealand Limited to use the winner s name for publicity purposes in relation to this competition. rizeswillbedistributedtoa P New Zealand street address only. ove RED s decision is final in every l situation including any not covered above and no correspondence will be entered into. Melt chocolate and butter in a saucepan on a low heat until smooth stirring frequently. Take off the heat stir in sugar and add the eggs one at a time beating well. Stir in vanilla essence. Sift together the cocoa baking powder and salt. Add to the chocolate butter mix cover and chill in the fridge for one hour. Heat oven to 160oC. Place baking paper onto trays and roll mixture into 4cm wide balls. Push flat with a fork and bake for 12-15 minutes or until they crack on top slightly. Great with chocolate sauce or ice cream. I was 10 when we left here Bianca tells me and her relationship manager Dilip Ragavan from Westpac s St Lukes branch as we sit on her front porch with her and her mum Sue enjoying morning tea and absorbing the view of Surfdale Beach. The best memories of my life were here and things really felt hard for me and mum back in the city so I always wished I could come back here. Out of all the places in the world and all the houses in the world this is the place I wanted to be. The day we chat Bianca s celebrating the eight year anniversary of her company Potiki Adventures a Maori tourism company based both in Auckland and on the island. Her company has won many awards including the Maori Women s Welfare Incorporation Best Maori Women in Business Award and Her Business Magazine Business Awards. Bianca s tours incorporate her Maori heritage. For example the Marae Stay takes visitors to a local marae to experience Maori culture firsthand while also getting outdoors to do some kayaking snorkelling sightseeing around the island and weaving. Then one day after driving past it for about five years there happened to be a For sale sign outside the front gate. Immediately Bianca knew she wanted to buy it. It was amazing that we got this place. I love the memories the magic of Waiheke and just being here. I think that this is the most perfect place in the world to grow up. It s so safe no traffic lights no fast food companies. The property had certainly changed in many ways since the 1980s especially the number of trees on the property that have disappeared. Subsequent owners had made changes to the house that weren t to Bianca s taste and some parts of the house had started to show signs of age. But that s turned out to be an exciting chance for her to put her own stamp on her new home. Her mum chips in The difference she s made in such a short time is incredible. You won t believe the change already. Although she s only been back living in her childhood kingdom for a few months the impact she has had on the property really is phenomenal and testament to the passion and care she has for the home. Out of all the places in the world and all the houses in the world this is the place I wanted to be. Although she moved away from Waiheke at a young age Bianca s business brought her back there regularly. Every time she returned she would drive past her childhood home bringing back floods of memories of growing up in paradise. There is still plenty more work to be done to get it back to its former glory but it is clear this tropical island home has already begun to create new memories equal to those of Bianca s childhood. love Red 8 Gen By verity johnson W WITh aN aMaZING pooL oF youNG EMpLoyEES aLL arouNd ThE CouNTry CErTaIN To Go oN To BECoME GrEaT LEadErS IN ThEIr ChoSEN FIELd WESTpaC IS dEdICaTEd To EMBraCING aNd NurTurING ThE FuTurE STarS oF ThE BaNK. one of the ways Westpac is doing this is through the GEN-W programme. aimed at employees under 30 the programme is all about harnessing and developing the thoughts and ideas of the next generation of bankers leaders and customers at Westpac. Each year 15 high-performing young employees are brought together to develop their skills as leaders and come up with some great ideas about the future of banking. Let s meet three of the current future leaders of Westpac and see what goes on in GEN-W and how it s helping them reach their potential. Loren Johnston Command centre Napier Title Assistant Bank Manager Kingdom Retail banking Gem of wisdom Be a leader not a follower GEN-W has really fired me up as a leader. Now I feel confident to challenge ideas. Having such a fab team has helped me grow as person and as a leader. GEN-W has given me great opportunities such as learning from our senior leaders and meetings with leaders across the country. GEN-W participants are chosen for their energy ideas and high performance. But we also need to be good communicators. The programme unites people across all areas of the bank and country. We have to be hot on communication as our projects work across so many communication channels. I ve met so many of Westpac s leaders who ve motivated and believed in me. So being identified as a future leader is very exciting If I had any advice for older leaders it would be to keep challenging themselves and challenging us. After all we are the next generation of leaders. I ve been here for nine years and I still love it. Even before I worked at Westpac I banked with them. Could I be tempted to bank elsewhere Never. There is no other bank for me. I ve met so many of Westpac s leaders who ve motivated and believed in me. So being identified as a future leader is very exciting love Red 9 Jacinta Duffy Tim Montgomery Command centre Auckland Title Senior Finance Manager Business Banking Kingdom Finance Gem of wisdom Hard work and determination is all you need to succeed GEN-W welcomes diverse young people from all roles in the bank. Together we come up with exciting new ideas to get those future customers to love red. We re constantly learning about the bank each other and from Westpac s successful leaders. The GEN-W role has given me so many skills for the future. The biggie for me has been time management balancing my role as Agribusiness Manager with GEN-W. Plus I ve learnt the beauty in being annoying I m questioning things and not accepting the first no Westpac is on the money in more ways than one. It recognises that the skills of young employees drive the company s future. That s why there are schemes like GEN-W. Westpac really cares for young people they have backed me from the start. From guiding me (with zero experience) through the graduate recruitment scheme to giving me time out to return to farming for a year. I love that Westpac supports its future employees especially in the Agribusiness scheme. Command centre Otago Title Agribusiness Manager Kingdom Agribusiness Gem of wisdom The best rewards in life come from hard work GEN-W always has projects on the go be it financial literacy next generation banking or innovation. The guest speakers are always a high point. Alfred Ngaro a Sir Peter Blake leadership award recipient was inspiring to hear. Westpac has some immensely talented people so I don t think there will be a shortage of future leaders to shape the business. The programme has emphasised to us that perseverance and being resilient gets you through even when it feels as if you ve hit a dead end. Being recognised as a future leader and having Westpac s backing is a great confidence boost. If I had one bit of advice for senior leaders it would be to take the time to give people the benefit of your knowledge. The more you put into someone willing to learn the more you get out. Westpac has some immensely talented people so I don t think there will be a shortage of future leaders to shape the business. The employee culture at Westpac is motivational and Westpac s always looking for fresh ideas and offering opportunities like the graduate recruitment scheme. I ve made good friends here and that s always important GEN-W lets us meet people from all corners of the bank and together we re sharing ideas and learning the essence of all good business networking Westpac really cares for young people they have backed me from the start. love Red 10 Tramp with friends ends with winch from the sky Anne her husband Murray and friends were walking the Waitakere Ranges Hillary Trail when Anne s foot slipped off the track. She tumbled landed awkwardly and was unable to move. Due to the slippery conditions and the steep terrain Auckland s Westpac Rescue Helicopter was called in and winched Anne to safety. I love adrenaline stuff so I tried to make the most of the winch experience unfortunately the morphine probably took away some of the thrill jokes Anne. The rescue helicopter team was so marvellous extremely professional and handled the situation with such confidence they re absolute champions. Anne underwent various operations and faced many weeks of bed rest and extensive physio. But it seems the accident will only limit this adrenalin junkie s taste for the outdoors I still have a lot of things on my list but for now we re looking for something a little less adventurous Country s rescue By joanna redfern helicopters NEW ZEaLaNd S rESCuE hELICopTErS uNdErTooK CLoSE To 5 000 MISSIoNS LaST yEar ThaT S a phENoMENaL aMouNT oF hELp For KIWIS Who NEEdEd IT. Operated by 16 charitable trusts nationwide these choppers are like fully equipped intensive care units in the sky providing a dedicated 24-hour seven-day-a-week service. From a defibrillator for a premature baby to full life support systems they re equipped to deal with a range of situations. Rescue choppers are called on when a patient is very badly injured and where medics think getting to hospital quickly will make a big difference. They also assist with accidents in difficult locations and support search and rescue and fire operations. Each mission costs thousands of dollars and the majority of funding comes from the community sponsors like Westpac (proud supporter for 30 years) and other fundraising activities. This year s Chopper appeal takes place in May with fundraising activities around the country. you can donate then or all year round at any Westpac branch or at www.chopperappeal.co.nz love Red 11 One tough kid When the Westpac Waikato Air Ambulance went to pick up an injured child they weren t sure what to expect Loren Haisley the pilot explains. We were tasked to pick up a three-year-old child who had serious internal injuries from a horse fall. He was the toughest kid I ve ever seen with an incredibly high tolerance to pain. Tom was in hospital for a month he lost 80% of his pancreas had to have his duodenum re-attached and suffered multiple liver lacerations and a ruptured bowel. Loren visited the family recently and Tom s parents said that Tom s 100% now and we re humbled at the support we got. Even though we know many things came together for his survival we also know that if he hadn t been flown to Waikato Hospital that night he may have died. We re incredibly grateful for the service you provided. A trucker s miracle Colin Tandy barely clung to life after his truck rolled 80 metres down a Marlborough cliff. He had eight broken ribs broken hips a split pelvis a ripped back vertebra and several cuts to his head and arms. He was in a critical condition so the Life Flight team responded immediately in Wellington s Westpac Rescue Helicopter. Pain was coming over me in huge waves Colin recalls. But my heart jumped when I heard the sound of the helicopter rotor blades... I knew I was being saved. Donations to Life Flight meant Colin could be winched into the helicopter and given life-saving medical care. He s now on the road to recovery and couldn t be more grateful. The sound of hope Dave Clouston was loading and stacking hay bales when a 300kg bale fell 10 feet on to him. Completely stuck he switched into survival mode There was no real pain at the time that came later. After several hours Dave s father-in-law came to see how he was getting on. He rolled the bale off Dave and immediately went for help. An ambulance came then a rescue chopper. To say hearing the chopper was a relief would be an understatement. Just having the chopper there was like a huge release says Dave. He was initially flown to Christchurch hospital then transferred to Burwood Spinal Unit. As a result of his injuries Dave is in a wheelchair and is using his extensive knowledge and experience of the farming industry as a local Agribusiness Manager with Westpac in Christchurch. He says If I had only one word to sum up what the Westpac chopper means to people who need it that word would be hope . love Red 12 love Puppy By ryan Boyd IF ThErE S oNE ThING ThaT CaN MaKE you SMILE aT ThE SMaLLEST GLIMpSE oF IT IT S a puppy. And the sight of a puppy with a bright red Royal New Zealand Foundation of the Blind (RNZFB) outfit is likely to make us smile even more. Meet Fudge a seven-month-old chocolate Labrador who although she may not realise it yet is being trained for a job that will give someone with limited vision a life-changing best friend. By the time she is two Fudge will be a fully trained guide dog and paired with a Kiwi who has significant sight loss. Together they will walk the streets cross the roads catch buses and planes and basically do everything together. But training guide dogs is no small feat and although her official training won t begin until she is a year old Fudge is busy now learning new things that will help her become one of the hundreds of guide dogs the RNZFB has helped raise. To prepare guide puppies for their year of training volunteers are required to adopt them and to give them experiences that will prime them for a life as a guide dog. We do things like walk down busy streets get on the bus and go on the trains says Chris Shepherd Fudge s puppy walker. Fudge got on the bus for the first time today and she just strolled on and sat under my seat quite happily. love Red 13 Being a puppy walker takes a lot of commitment volunteering time and energy and everything they do has to take into account their furry friend. Chris has to take Fudge (her ninth puppy) with her to work at the RNZFB as well as social events in her personal time. But Chris says the reward is incredible. I was working at the RNZFB and one of my colleagues got her first guide dog. I saw the difference it made in her life and it made me realise how important it was. A flock of pigeons fly off around us and Fudge gets excited but Chris is able to rein her in. Labradors are bred to be gun dogs so birds can sometimes be one of their downfalls. I remember one of my pups and I were on Queen Street and a whole lot of pigeons took off around us and he was besotted. So we had to start working on that and now he s a guide dog. Of course one of the hardest parts of being a puppy walker is that you have to say goodbye after one year of being inseparable. But Chris is philosophical about the parting. It s a funny sort of emotion. You don t feel sad because you re doing something worthwhile so you actually feel quite good because you ve achieved something. If you go in with the attitude that you re doing a job then it s poignant you re feeling really pleased that you ve done your bit. And if the dog graduates you feel really fantastic. It s like when your kid graduates from school. How you can help The Royal New Zealand Foundation of the Blind s annual Red Puppy Appeal takes place from Friday 30 March to Sunday 1 April 2012. Also Red Puppy Bikkie Day is on Friday 30 March. Bake a difference for RNZFB guide dog puppies by giving your puppy-shaped bikkies to friends work colleagues or classmates for a donation. Simply visit redpuppy.org.nz to sign up as a baker. For blind and partially sighted New Zealanders guide dogs can mean freedom independence and confidence and there are people waiting today to receive one. To find out more about how to get involved with the red puppy appeal or to make a donation visit redpuppy.org.nz or call 0800 120 254. Fuelling By ryan Boyd the future WhEN MaNy oF uS hEar ThE WordS Larry ELLISoN CEo WE oFTEN ThINK oF aMErICa S Cup yaChTS aNd CoMpuTEr hardWarE. But if you head to Palmerston North you may bump into another Larry Ellison with the same job title. It was in the late 1990s that Larry and his wife Jane who together had been in the service station business for many years decided to take on the big oil companies and launch their own fuel distribution company Rural Fuel. I grew up on a farm and I remember my dad being really frustrated when the fuel tanker didn t arrive recalls Jane. Fuel is your lifeblood on a farm and this was a regular occurrence. This memory always stayed in the back of Jane s mind while they ran their station in Foxton where she says they really focused on the service in service station. This is a philosophy that s been inherited by Rural Fuel. The Ellisons dedication to their customers was rewarded when they won two Manawatu Business Excellence Awards for Integrity and Ethics and Service Excellence as well as the Manawatu Supreme Business Award. It was a great honour to receive these awards admits Larry. It meant that we were being recognised for running an honest transparent business we were extremely proud. One thing Larry and his namesake from California have in common is their passion for pushing forward in the realm of technology. Larry s always looking at ways in which he can improve our systems and improve the business through IT says Jane with Larry adding We really embrace technology. We re innovators in the industry and at the Business Excellence Awards came runners up in the innovation category. We re innovators in the industry and at the Business Excellence Awards came runners up in the innovation category. With all trucks equipped with real time GPS colleagues back in the office know where every truck is who the driver is how much fuel they have and even how fast they are currently travelling. That way if a customer rings up in urgent need of a top-up the team can find the closest truck to help them immediately. Rural Fuel may have begun with a small tank on the back of a ute but it has now grown to be the largest fuel distribution company in the lower North Island. Now covering a pretty big chunk of the island they continue to expand their area of operation and don t show any signs of slowing down. Right from its inception we had big dreams for the company. We ve had our fair share of interesting times and made a few mistakes but at the end of the day we have gone from inception to where we were wanting to be. That s a great feeling. Larry agrees. Taking your very small family business from a concept and see it through the growth stage to a business with a full board structure that can operate without you and will still be in business long past our day-to-day input you can be proud of that. love Red 14 SWEET ThINGS BaKING aNd TrEaTS arE TIEd up IN WarM MEMorIES oF My MoThEr S BaKING aNd ThE TIMES I SharEd WITh My oWN ChILdrEN SayS ChEF juLIE BIuSo WhEN aSKEd Why ShE dECIdEd To puBLISh a BooK oF hEr FavourITE dESSErT dIShES. I don t know what it is about sweet things your family may love you when you cook a scrumptious dinner but they seem to love you more when you make a gorgeous dessert But making the perfect dessert can be tricky and Julie has a few suggestions to help us get it just right. With a lot of savoury recipes you can simply launch in and start by chopping an onion then make it up as you go along referring to a recipe if you wish. But with baking it pays to stick to the recipe and not to substitute ingredients or deviate from the method until you are familiar with the process. Reading right through the recipe not just the ingredient list before starting is also wise. Tins or trays should be prepared and the oven preheated before starting cooking as many cakes need to go into the oven immediately after mixing to ensure the maximum rise. As we all know everyone has their favourite sweet thing and Julie is no different. I m a sucker for meringues of any sort but especially with cream and fruit. In Sweet Feast I ve included a pavlova recipe but it is laden with Greek honey yoghurt in place of cream and it is simply divine using yoghurt cuts down on calories too And I can t turn down anything with raspberries I love their tang love RED was lucky enough to get their hands on a few recipes from Julie s book Sweet feast . Enjoy ready in 40 minutes plus chilling and cooling Makes 24 Crispy coconut meringue over tangy lime curd makes for a taste explosion. For a change try these tartlets with lemon or passionfruit curd and use the coconut meringue to top other tarts. If using the tartlet tray to make a second batch of tarts wash dry and grease it and make sure it is cool before assembling. 4 pre-rolled frozen sheets sweet shortcrust pastry about 24cmx24cm each thawed just before using 2 medium (size 6) free-range egg whites at room temperature 120g caster sugar 60g desiccated coconut 370g jar ready-made lime curd 1. Preheat oven to 175 C (fan bake). Lightly grease a shallow 24hole tartlet tray with holes 6cm wide by 3cm deep or bake two batches in a 12-hole tray. 2. Cut out 24 rounds of pastry with a 7.5cm pastry cutter. Line into tartlet tray and chill until firm. 3. Beat egg whites with a hand-held electric beater until stiff. Add sugar gradually and continue beating until stiff and glossy. Fold in coconut. Spoon lime curd into pastry rounds in tray. 4. Spread coconut topping evenly over lime curd layer making sure the curd is completely covered. Bake tartlets for about 15 minutes or until pastry rims are golden and coconut meringue is browned. Cool tarts in the tray for 5 minutes or until pastry is firm then gently loosen them from the tray with a knife and turn them out onto a cooling rack. Serve at room temperature. love Red 15 ready in 1 hour 5 minutes Serves 8 or more This makes a large pudding but it is so good the next day for breakfast or morning tea (it reheats well in the microwave) that I ve deliberately made a generous amount. It s also surprisingly light to eat so you may find everyone has seconds Instead of making one large pudding you could make it in individual ovenproof dishes. 1. Preheat oven to 180 C (regular bake). Butter a Pyrex dish 33cm 23cm 5cm. 2. Peel apples cut into quarters remove cores and slice thinly. Put apples in a large bowl with the first measure of sugar the lemon zest and juice. Stir in water then tip into buttered dish. 3. Put butter in a bowl and beat with an electric beater until creamy and loose. Beat in second measure of caster sugar a tablespoon at a time and continue beating until fluffy and lighter in colour (creamed). Beat eggs together with a fork then add them gradually to the creamed butter and sugar adding 1 2 tablespoons of the measured flour about halfway through beating to help stabilise the mixture. Sift over one-third of the remaining flour and fold it in with one-third of the milk. Repeat twice more with remaining flour and milk. 4. Spread sponge mixture over apples. Bake for about 40 minutes or until apples are tender and bubbling and the sponge is golden firm and crusty around the edges. Serve hot or warm dusted with icing sugar if you like with a jug of custard. 1.2kg (about 6 large) Granny Smith or cooking apples 70g caster sugar Finely grated zest and juice of 1 large lemon 2 tbsp water 200g unsalted butter cubed and softened 170g caster sugar 3 medium (size 6) free-range eggs at room temperature 270g self-raising flour 150ml milk at room temperature Icing sugar for dusting (optional) Custard to serve We have three copies of julie s book Sweet feast to give away to lucky readers. To enter simply email love_red westpac.co.nz with the answer to the question below. q What is the special ingredient in Julie s pavlova recipe a G H Y Entries close 5pm Friday 11 May 2012. TErMS aNd CoNdITIoNS Theprizedrawisopentothegeneralpublic(includingWestpacNewZealandstaff). ntrantsmustsupplyfullname phonenumberandemaildetailstobeeligiblefortheprizes. E No responsibility is accepted for ineligible entries or undelivered or late entries or entries made fraudulently and these entries are ineligible. Onlyemailentriessubmittedcorrectlyaccordingtotheinstructionsabovewillbeaccepted. Onlyoneentryperpersonwillbeaccepted.Prizesarenon-transferableandcannotberedeemedforcash. ntrantswillbedeemedtohaveacceptedtheserulesandtoagreetobeboundbythemwhenentering E this competition. TherandomdrawwilltakeplaceonMonday14May 2012andthenthewinnerswillbenotifiedbyemailorphone. f thewinnerdoesnotclaimtheirprizeorisunabletobecontactedwithin10(ten)daysof thedraw theprizeis I forfeited and another winner will be drawn. cceptanceof aprizebyaprizewinnerconstitutesacceptanceforWestpacNewZealandLimitedtousethe A winner s name for publicity purposes in relation to this competition. PrizeswillbedistributedtoaNewZealandstreetaddressonly. love Red 16 W In Rivendell IF you KNoW your ToLKIEN you LL KNoW ThaT rIvENdELL IS ThE SaFE havEN oN ThE EdGE oF ThE rIvEr BruINEN IN hIS CLaSSIC TaLE FroM MIddLE EarTh ThE Lord oF ThE rINGS . It s fitting then that former Westpac CEO Harry Price has named his 10-acre work of passion along the Shotover River just outside Queenstown after the Elven safe haven. When Harry and his wife Margaret started the garden in 1998 it was two bare sheep paddocks. Thanks to some major work constructing many schist stone walls ponds and streams along with the planting of over 1 000 trees and countless native tussocks Rivendell has become an idyllic paradise not far removed from the mythical world Tolkien created. We wanted to build something that suited the very distinctive four seasons Harry says while complementing the magnificent views. The garden as all gardens are is an ongoing development but we finished most of the major planting in 2005. It s so great having such a beautiful large garden for our enjoyment but you need to enjoy gardening as it takes a lot of work to keep it in order. The Remarkables This is an example of the beautiful views we are lucky to have in every direction sharing the Shotover River and the magnificent Remarkables. Lavender Our large Bogong lavender display emits an amazing aroma as you pass and is a favourite place for the bees that flock to it in unbelievable numbers. love Red 17 Margaret s Folly The dictionary defines folly as an expensive building of little purpose but it is one of the places in the garden we love hidden away and a place to hear the river below with magnificent views of the Shotover River and the Remarkables. A place of quiet contemplation. Wetlands This wetland gets flooded each day with the many hundreds of irises in flower and that s Coronet peak in the background. All this is on the flat five acres down the hill from the house. House garden Our house garden is lush with lots of perennials roses irises paoenies geraniums and many more beautiful bloomers. Their bright colours are especially pleasing in the summer months. Wildlife We have lots of wildlife as you would expect in a large rural property. It would not be Central Otago without rabbits which is a never-ending battle even though we have supposedly rabbit proofed the whole property. On the positive side we have huge amounts of bird life including lots of native tui bell birds and fantails along with large numbers of blackbirds thrush starlings finches and of course sparrows. We also have a large quail population especially in the summer. Plus there are lots of frogs several types of skinks insects of every kind and as you can see here the bees who love our abundance of flowers. love Red 18 Time to relax The heated swimming pool is a favourite place in summer and a real draw-card for the grandchildren plus it features magnificent views in all directions. In the garden It s probably fair to say that the summer just past was not one of New Zealand s most memorable in terms of blue skies and sunshine but you know who s not complaining Gardeners and their beautiful flowers and vegetables that cherished the abundance of precipitation. of autumn iththesoilmoremoistthaninsummerand W warmer than in winter autumn is the perfect time to plant shrubs and trees. If the autumn is dry and mild make sure you water them to help them settle in. ewaryof thoseautumnwinds asfoliageon B trees in more sheltered areas prospers more than its exposed brethren. Some trees cope with exposure to the wind better than others. omeweedslovethecoldermonthsoratleast S aren t bothered by colder weather so keep an eye on them otherwise they will dethrone your plants as kings of the garden. So now that autumn is underway it s time to prepare your flowers and foliage for the oncoming cooler months. love RED s gardening guru Ryan Boyd gives some autumn advice for the hordes of horticultural hounds out there. here snothinglike T the taste of home grown veggies and now is the ideal time to plant broccoli cauliflower beetroot Brussels sprouts winter lettuce and silverbeet seedlings. owisalsothetimetodigupandharvestyourpotatoes N onions and pumpkins. littlebitof sheepmanurewillencourageseedlinggrowth. A here sareasonwhyautumniscalled fall onsomepartsof T the planet and although leaves on the ground can be a bit of a nuisance if you collect them they make fantastic compost and won t smother your ground plants. on tforgettostiryourcompost D regularly to allow air to circulate and use as wide a variety of leaves as possible. ejuvenateyourlawnandprepare R it for the cold by aerating it with a garden fork and sprinkling lime over the top. emember justbecause R summer s over doesn t mean you should stop watering your garden if there are long dry spells during autumn or winter make sure you water your plants. ulchwillhelpprotectsoilfromthefrostinessof winter M can hold off weeds and protects from the wind. Why not use your fallen leaves to make some to spread over your garden after weeding love Red 19 f youwanttobegreetedbysomeamazing I blossoms in spring get your bulbs planted now. April is the best time to plant flowers like iris hyacinth and crocus while May and June are tulip and lily planting season. oastock-takeandseewhichannualflowersare D past their prime. Now is the time to replace them with plants that tolerate cooler temperatures and cut back the ones you want to keep. ertiliserslikebloodandbonewillencourage F healthy and colourful plants so it s a good idea to place some around seedlings at planting time. By joanna redfern oNCE a yEar MILLIoNS oF pEopLE BuSINESSES aNd GovErNMENTS arouNd ThE WorLd TurN oFF ThEIr LIGhTS aNd SupporT ThE LarGEST ENvIroNMENTaL EvENT IN hISTory EarTh hour. This lights out initiative which began in Sydney in 2007 has evolved into a borderless event capturing worldwide attention and sending a powerful message for action on climate change. Primarily symbolic Earth Hour aims to make people think about their environmental impact. And as a leader in sustainability and Earth Hour supporter Westpac is doing its bit to spread the word. Earth Hour is about reflecting on our impact on the environment and thinking about the small changes we can make says Westpac s Senior Sustainability Manager Kari Adams. This focus saw Westpac New Zealand win Sustainable Business of the Year at the 2011 Sustainable Business Network Awards in recognition of the bank s four-year sustainability plan entitled Our Tomorrow Project. Now in its final year the plan comprises measurable goals for New Zealand and New Zealanders. In terms of the environment Westpac in partnership with the Sir Peter Blake Trust s Care for Our Coast programme is on target to pick up one million pieces of rubbish from New Zealand s beaches and coastlines by the end of 2012. The bank has also reduced its environmental footprint by 24% against a target of 20%. And when it comes to caring for New Zealanders Westpac s popular Managing Your Money programme has had more than 50 000 participants. The bank also raised a recordbreaking 1.65 million last year through its annual Chopper Appeal and has helped more than 2 200 people with a disability take part in a sporting activity over the last three years through its partnership with the Halberg Trust. So from energy saving initiatives to financial literacy programmes there s something that everyone can be involved with and there are plenty of ways you can make it Earth Hour every hour at home and at work turn appliances off at the wall switch off lights where practical and switch off your monitor and PC when you re finished. it s a good form of exercise too use thermostats and timers for heaters make sure the dishwasher is full before putting it on and dry clothes on the clothesline whenever possible. replace your most-used bulbs with energy efficient ones. They cost a little more but last up to 10 times longer saving energy and money. By Nancy van dorp a WET SuMMEr haS To BE Good NEWS For SoMEoNE. In the central Hawke s Bay 35 minutes out of Hastings Phil King and his sons are rejoicing in a bumper grass season. Four years ago we invested in a big square baler. This year we ll bring in around 4 000 bales that s more than double most years production. I think you could say it s starting to pay off. But it s not just hay that s raising hopes or the baler that s helping the bottom line. Lamb has really taken off and beef is doing better. After five really hard years we re starting to turn the corner says Phil. Phil took over his 400-acre family farm at Ongaonga back in 1969 ten years after his father passed away but this is no story of inherited wealth. Crippling death duties meant it took a few years hard work to get back to a profitable situation. In 1973 he and wife Bev leased another 350 hectares at Tikokino which they bought in 1984 and where they have lived to this day. Growing up on the family farm and studying agriculture at Massey University it would have seemed obvious that Phil s two sons would follow him onto the farm. But life took them in other directions. Younger son Leyton was the first to come home after a stint overseas and a few years shepherding in Gisborne. In 2000 Phil set up an equity partnership and converted the original farm to an 1 800-cow dairy farm Plantation Road Dairies and purchased 1 066-acres at Mangaorapa which Leyton now farms. That property has now grown to the 1066-hectare Senlac Station. Older brother Justin had spent seven years in the rural banking sector when Phil heard that Brookwood Station was up for sale. Justin now farms those 1 127 hectares at nearby Takapau. We are a functional family says Phil who describes their farms as independent but integrated . I ve backed my boys and they ve worked hard and delivered. Daughters Anna and Julia both live in Auckland but Julia maintains close ties to the family farm. She and Phil have developed a luxurious duvet inner utilising the high bulk low weight wool produced by the King s 300-ewe Poll Dorset sheep flock. Manufactured in Christchurch and already selling well around New Zealand the Purely Dorset duvet inner is now poised for export. Phil s commitment to the rural sector doesn t begin and end with his own family. In 1995 Phil was elected to the Royal Agricultural Society executive and subsequently served a three year term as the national president a role he relished for the opportunity to travel the country and meet like-minded people. Phil s love for farming and positive outlook are infectious and his optimism translates into action. Today he serves as Chairman of the Advisory Committee to Smedley Station and Cadet Farm a 7 872-acre working property in the Cash TankTM. The fastest way Hawke s Bay that helps provide training for the next generation to check your balance. of New Zealand farmers. In 50 years of farming I ve never Now agriculture. been so optimistic about the future of it s really easy to check what s left in your Cash Tank super fast when you re on the go. Cash TankTM is a new app that allows you to check the balance of a pre-selected account anywhere anytime at the touch of a button. Cash Tank Learn more at westpac.co.nz cashtank TM There s no need to login once you ve set up the app. Don t rely on guess work when you need your balance quickly. Put your finger on the gas and download Cash TankTM for free. The fastest way to check your balance. Now it s really easy to check what s left in your Cash Tank super fast when you re on the go. Cash TankTM is a new app that allows you to check the balance of a pre-selected account anywhere anytime at the touch of a button. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. Westpac Cash Tank and Cash Tank are trademarks of Westpac Banking Corporation. 2012 Westpac New Zealand Limited. JN7942 Westpac New Zealand Limited 2011 The bumpy road to recovery ECoNoMIST S rEporT Westpac s Chief Economist dominick Stephens looks at how we can get back on track. The New Zealand economy has continued to roll down the bumpy road to recovery in recent months. Gdp growth stepped up a gear in the second half of 2011 and was running at around average levels. Internationally the European sovereign debt crisis continues to hog the headlines and developments in the region have dominated swings in market sentiment. We think this volatility will continue in the coming months and expect the European economy to contract by 1% this year. Perhaps more importantly for New Zealand China and India look to be entering economic slowdowns that could temporarily bring global food prices down. The Rugby World Cup certainly ignited retail spending in the second half of 2011. Retail trade grew by 4.6% over six months. But this increase in consumer spending hasn t been just the World Cup as indications are that it continued even after the event finished and big chunks of it were concentrated in things like hardware and department stores that are unrelated to the World Cup. Perhaps the improved consumer mood is down to the state of the housing market. House prices have been rising rapidly for some time in Auckland and Christchurch. Elsewhere in the country prices were falling for most of 2011 but have recently turned and are now rising gently. Market turnover has been fairly brisk by the standards of recent years strongly indicating that prices are set to continue rising. We think there are two factors driving house prices higher. Housing shortages in Auckland and Christchurch probably account for the regional differences and low interest rates are probably the cause of the uptick in prices elsewhere. It will take years for the construction industry to catch up with housing demand in Christchurch and Auckland and interest rates are expected to remain low for a while yet. So we now expect house prices will go on rising modestly for the whole of 2012. But nothing lasts forever and rising house prices are no exception. We think that interest rates must rise substantially in coming years as the Reserve Bank works to contain inflationary pressures emanating from the Christchurch rebuild. Higher rates will eventually hurt the housing market. We re forecasting a return to flat or declining house prices for 2013 and beyond. All opinions statements and analysis expressed are based on information current at the time of writing from sources which Westpac believes to be authentic and reliable. We recommend you seek independent advice. my GreymouTh WESTpaC GrEyMouTh BaNK MaNaGEr MaTThEW EWEN TaLKS uS ThrouGh ThE ThINGS ThaT MaKE hIS ToWN So SpECIaL. What do you love about living in Greymouth The pace and quality of life. I moved here in 1995 after six years in the North Island with a view to staying for two years but the place grows on you and it s been a wonderful experience. Knowing most people when you walk down the street it gives you a real sense of belonging. What s your favourite location in Greymouth The Grey River breakwater. On a clear day of which there are many you can look south and see Mt Cook and the rest of the Southern Alps. A must-see view What s something not many people know about Greymouth Not in Greymouth directly but Blackball about 20km away was the birth place of the Labour Party. What is the best part of your job Witnessing those occasions when you really get to help someone achieve their dreams. For example we recently had a young woman come in who lost her partner. She needed to obtain a mortgage to secure the purchase of the home they had shared and had been turned down by a competitor. At short notice we arranged for the application to be completed. About 30 The Westpac Greymouth team minutes into the appointment we gather around a monument commemorating overheard her crying so I went in the purchase of Westland in 1860. to check everything was alright. They were tears of joy as we d given her a conditional approval and she s now been able to purchase the property. I ve got 24 hours to spend in Greymouth. What are the top three things I should do Check out Shantytown the historic gold mining village witness a majestic West Coast sunset (see the Green Flash as the sun dips below the horizon) and take a trip 30 minutes north to the Punakaiki Pancake Rocks. love Red 22 Our Southern By robert Gough you MIGhT LauGh BuT I LISTEN To ToNy roBBINS EvEry day hE KEEpS ME MoTIvaTEd aNd IN a rEaLLy Good hEad SpaCE SayS aWard-WINNEr hEIdI harTy-EuGSTEr. Heidi a Sales Consultant in Westpac s Christchurch Call Centre had a 2011 most could only dream of after being named the Westpac Platinum Achievers Supreme Award winner and New Zealand Employee of the Year. The motivational speaker s wise words are obviously paying off but there s much more to Heidi s success than his daily pep talks It doesn t take long to see why Heidi s star shone so brightly in 2011. I m very customer-focused and all about getting the right result for the customer as quickly as Heidi s hectic home life possible she explains. I want hasn t slowed down her professional success. to be able to sleep at night knowing I ve done my absolute best for them. Despite the challenges Christchurch has faced over the past year Heidi s remained dedicated to her customers. She was back at her desk and supporting her customers as soon as possible. I just wanted them to know they were being looked after because this is the new normal for us and we have an obligation to help our customers through these challenges. Balancing her high achieving work life with a hectic home life Heidi husband Chris and three-year-old daughter Coco are a very social family who always have something planned. While the juggling act has its challenges Heidi wouldn t have it any other way. Born in Invercargill Heidi and her sisters grew up being taught the importance of working hard for success. My father s Swiss so all of us girls have a strong Swiss work ethic He always said you should be the first person at work and the last to leave and you should do a good honest day s work. Heidi put her father s lessons to the test when she moved to the Gold Coast aged 18. Not long after arriving and looking for work she saw a Retail Assistants Wanted sign in a shop window. The manager said Right your trial starts now how much can you sell in an hour I did really well and got the job. Within three months Heidi was the Assistant Store Manager. After success in Australia she moved back to New Zealand to run a store for the company in Christchurch. Heidi brought her passion and tenacity for success to Westpac in 2000 and hasn t looked back putting her success down to the support of her family. My father s my role model she concludes. And he s an accountant so he just loves the fact that I ve taken a career in banking love Red 23 Then anD nOW Looking back at Nelson s notorious past By pauline porteous IT STarTEd WITh a SMaLL ShINGLEd WoodEN BuILdING oN 168 TraFaLGar SquarE Way BaCK IN 1862 aNd IN ThE INTErvENING 150 yEarS WESTpaC S BraNCh IN NELSoN haS SEEN MaNy ChaNGES a BIT oF pErIL aNd SoME aMaZING pEopLE. Nelson in the 1860s was a far more dangerous place to live than it is today with gold rushes in the region as well as the West Coast luring a fair share of unsavoury characters the risk of robbery was high. The most infamous of these crimes occurred in June 1866 in what was to become known as the Maungatapu Murders. On 12 June 1866 James Battle was murdered on the Maungatapu track south-east of Nelson. The following day four other men were killed nearby in a crime that shocked the colony. These killings the work of the Burgess gang resembled something from the American Wild West. Following the murders the gang planned to kill the Nelson Manager of the Bank of New South Wales (which would later become Westpac) John Busby and his young Bank Junior Robert Tennent. The gang planned to make it look like one of the staff had stolen the money and murdered his colleagues. Fortunately the gang was caught before they could carry out their plan and Robert went on to become a well regarded community philanthropist who initiated significant community developments. However it wasn t just the risk of robbery that made the life of an early banker perilous. Gold was a lucrative business so competition between the banks was high. This often meant that gold agents took risks travelling to locations as fast as possible and the most dangerous times involved crossing swollen rivers. Drowning in rivers was a major cause of death in early New Zealand. Seven years after opening their doors the branch was outgrowing its premises and branch Manager Henry Goulstone wanted improvements. He wrote to the bank s Inspector (now called the CEO) describing how the building doesn t look like a bank and it is so dirty it needs purifying . His letter worked and in 1872 the branch moved into better premises on Trafalgar Square where they stayed until 1884. Life became a little too quiet for some after the gold rush died down and in 1897 the branch Manager John Preshaw who had worked with his brother as a bank gold agent described the town as being quiet and comfortable with too many banks. He had 224 customer accounts to manage and noted that the main industries are jam biscuits and hops. He lamented how there is no life in the place and business is much the same from one year to another. He said the residents are mostly comfortably off and many of them have private capital to lend out at low rates. There may not have been as much excitement as the gold days but Nelson s comfortable citizens slowly built new businesses and stronger communities. The bank s customers steadily grew as the new industries in seafood horticulture tourism and forestry developed. The branch that was once in desperate need of purifying 150 years ago has grown alongside the community. Its modern new building would astonish those first branch mangers with its high tech features and 24 hour services. Although the branch is proud of its modern services it has not forgotten its humble start. In 1984 after over 100 years of being in the region Westpac presented a cheque to assist with the erection of a replica of the first Bank of New South Wales premises in the Nelson Founders Park. The Park was opened February 1986 and coincided with Westpac s 125th anniversary in New Zealand. 168-170 Trafalgar St. has been home to the Nelson branch since 1884 (photo taken 1932). The first premises were at 168 Trafalgar Square (1862-1872). love Red 24 JN7971