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A gaping infrastructure deficit and a growing population will pose a challenge to the incoming National-led government

Economy / analysis
A gaping infrastructure deficit and a growing population will pose a challenge to the incoming National-led government
infra

Migration data released by Statistics New Zealand on Wednesday showed there were a net 118,800 new arrivals in NZ during the September year, a fresh record that could yet go higher.  

These new residents are helping make up for low birthrates and ease pressures in the labour market, while also propping up economic activity and boosting house prices. 

But they are arriving in a country that has underinvested in infrastructure to the tune of roughly $104 billion, according to a 2021 report written by Sense Partners.

Closing this gap will be a crucial challenge for the incoming Government, and its successors, to ensure the construction of infrastructure can catch up with population growth.

New Zealand’s population increased 2.1%, or roughly 105,000 people, in the year ended June and has been forecast to grow from 5 million today to 6.7 million over the next 25 years. 

Much of this growth will occur in cities. Mike Jones, the chief economist at BNZ, estimated that 55% of all new arrivals in the June year stayed in Auckland.

These arrivals are offsetting an outflow of existing residents seeking greener pastures in the regions. This trend pre-dated the pandemic but was particularly strong in 2021 and 2022.

Residents are leaving other cities for the regions as well. Wellington and Christchurch had the next most departures, while less built up areas, such as Selywn and Waikato, had net arrivals.

Jones said remote working and aversion to the high cost of housing in larger cities was likely driving the shift. 

“It’s why house price cycles tend to start in the cities and ripple outwards,” he said.

Population growth has been contributing to higher house prices and rents, particularly in regions that are slower to build new homes. 

“The supply side also matters. It turns out that those regions experiencing the strongest population growth—Auckland, Otago, and Waikato for example—have also been the busiest builders over the past few years”.

Building too slow

A report written by the Productivity Commission last year said increased demand for housing had a larger impact on prices than it did in the past. 

“House prices now rise more rapidly because housing supply is slower to respond to demand. When demand for housing increases, New Zealand now builds one-quarter to one-third fewer homes now than the middle years of the last century,” it said.

It's a story that could be told about all kinds of infrastructure, not just housing. New Zealand’s building and maintenance has not kept pace with population growth. 

While migration has accelerated growth, the commission said infrastructure stresses were present long before immigration rates picked up in the years prior to the pandemic. 

The Productivity Commission's report called for the Government to put out a migration and population plan that included information about the necessary “absorptive capacity”. 

This includes everything from physical infrastructure, zoning rules, housing, health and education services, and “broader community infrastructure”.  

Absorptive capacity is not a fixed constraint and could be increased with appropriate planning and investment, it said. 

In a report published last year, Alan Bollard, the chairman of the Infrastructure Commission, said New Zealanders had a duty to maintain and replace infrastructure for future generations. 

“Unfortunately there are too many examples of our failure to do this, whether it’s burst water pipes or congested roads,” he wrote.

“We now find ourselves facing hard decisions about how we keep up with the increasing demands of a growing population, so we leave an equally valuable legacy to future New Zealanders”.

Even assuming the current high rate of migration slows, the Infrastructure Commission still expects the total population to increase to between 6.2 million and 6.7 million by 2048.

Half of this growth is likely to occur in Auckland, where the population could increase by up to 900,000 people over the next 25 years. 

“Responding to these trends will require new roads, improved public transport systems and water systems for growing cities, freight and port infrastructure for growing economic activity, and trade and telecommunications infrastructure to connect us to each other and to the rest of the world,” the Commission said in its report.

New government incoming 

National has promised to fill the infrastructure deficit with a new agency, external financing, a fast-track consent process, and a 30-year pipeline of projects. 

The party wants to strike deals with local governments that outline long-term infrastructure plans and establish the financing needed to deliver them.

While it wants to work with local governments, it has already vetoed some priorities in Auckland and Wellington — most notably light rail projects in both cities. 

National will focus on building roads and busways, which it believes will be more popular and cost-effective. It also plans to scrap the Auckland regional fuel tax. 

Without the fuel tax, Auckland Council will need to find transport funding elsewhere. One option is congestion charging, which the Infrastructure Commission supports. 

It said the city’s growing population will require better use of existing infrastructure. This means congestion charging to smooth traffic peaks, greater use of public transport, and building higher density housing. 

National does support some amount of densification in the city, but it abandoned a bipartisan policy that would have allowed three story homes to be built in all residential areas.

The policy was unpopular with homeowners who wanted to block construction in their suburbs but housing activists saw it as the most effective way to free-up land for new homes. 

National’s revised policy allows councils to decide what kinds of houses can be built where, as long as they zone enough space for 30 years of population growth.

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108 Comments

ABSURD.

New Zealanders can’t afford 108 billion in additional costs.

No matter what fancy off the books way it funded, New Zealanders have to pay for it.

Its simply impossible. that’s $21,600 real NZD per person ignoring cost overruns which will +20% minimum.

We already have Councils at the limit of their borrowings and near what people can afford in rates.

Then we have the idiotic situation of massive immigration adding to the infrastructure deficit.

you just can’t make this stuff up.

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39

Yes “a challenge” doesn’t really cover it does it. Decades of open slather borrowing and undisciplined spending.  What’s the medicine then, austerity?

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11

Come on now, it isn't that bad. All we need to do now is ramp up immigration to increase GDP, put a roof on wages and a floor under rents and house prices and uh.. Sorry what was the question again?

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26

I believe we're about to go through a brutally long cycle of shrinkflation in the public services and infrastructure space. Councils, utilities and public agencies will continue to pass on the higher costs of maintaining services to rate/taxpayers. Meanwhile, skill shortages will worsen as lower skilled workers put more demand on critical services without alleviating supply side issues.

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20

Good point about the councils being maxed out - I don't think people are going to sit back and take another 20% rates rise too kindly. Seems like in most of the country they are cutting spending and investment 

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8

EVERYONE IS MAXED OUT. 

Journalism should be asking: WHY? 

 

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34

It’s the Ukraine. Nothing to see here 

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8

It's a feature, not a bug. You all know how a board game of monopoly ends.

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2

What alternative games must we play then, to pay and infinitum?

The original Landlords Game had 2 sets of rules, but only 1 of those formed the basis of the capital monopolist game available today.

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1

Guillotines?

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4

On the contrary powder. I’m not maxed out at all. 

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0

Perhaps this is what will change how people live. Endless sprawl is - as Mayor Brown has called out - financially unsustainable for the council to maintain, so they absolutely need to stop caving to NIMBYism and preventing people from putting more housing on their land closer in.

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8

How about we stop mindlessly increasing the population as well as stopping further endless sprawl.

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18

 "Porque no los dos?"

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0

I believe there is/was a plan that takes some of the significant infrastructure burden from Councils but that was deeply unpopular due to concerns about "co-governance". So let the councils and local ratepayers pay for their own water infrastructure upgrades.

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7

Mostly the co governance that was unpopular (and for Auckland the take over by Tuku Morgan and Tainui)

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11

100% agree.

3 Waters would have saved NZ Inc billions and billions and billions.

Have I mentioned that Kiwis aren't that bright?

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3

No, you would have still paid billions and billions in taxes to pay for it, but half of it would have gone straight to Maori to never be seen again.  Kiwi's are not stupid.

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16

Some are stupid enough to think that co-governance meant co-ownership

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8

Don't care, all I see is the culling of large glorious exotic trees on the hills around Auckland. Crying shame.

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1

Lol Bulgaria, and some are intellectually challenged enough to believe it wouldn’t mean co-ownership…..

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1

The NZ Dollar is a fiat currency and so has no fixed quantity and all government spending involves issuing new currency after which taxation deletes it again once its purpose has been served. Finding money then is not the issue but having the actual resources such as the workers and materials to build things is.

 

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5

Yip. Providing we can keep inflation down, then you are right. We can just use the power of issuing our own currency to fund much of this.

  It is a mistake to think that the only way for governments to get money is through tax. But it is a five balance regarding inflation and the quantity of currency. 

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0

What has the inflation rate been for infrastructure construction since 2021 when Sense Partners wrote their report? At least 15% I'd wager, which brings the cost of the deficit to more like $120b. Those are scary numbers, and they'll get higher fast if inflation stays high.

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7

We should just jump in and build that tunnel under half the North Shore they were proposing for Auckland light rail. It will easily hit our $100b target, so problem solved 

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1

They should have built surface level light rail for $3 billion. Part of the infrastructure issue is that we end up gold plating everything and building nothing. 

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5

It almost seemed the tunnel option was put forth in order to ensure nothing was done. If one was a little cynical. A bit of ridiculous pandering to NIMBYs who would benefit from the light rail anyway. 

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3

The light rail tunnel was put forward to try to justify the harbour road tunnels. 

If you looked at each mode separately:

- You do not need a third road crossing

- You need a public transport crossing (this could be a bridge)

- You need a walking and cycling connection (this has to be a bridge). 

They bundled the public transport crossing with a road crossing to try to justify a new road tunnel (not needed) this then led to light rail having to be a tunnel in order to tie in with the PT tunnel (which is only a tunnel to justify a new road tunnel). 

Did Chris mention Kiwis aren't that bright.  

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5

A walking cycling connection has to be a ferry. Who would want to cycle miles underground or walk over a high bridge on a stormy day?

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1

Many, including myself, cycle to and from work rain, shine, wind, hell or highwater. Try a couple of years doing this in Wellington and you'll be able to take on anything!

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2

Lets name it Masochist bridge.  

Admittedly if it didn't have ships going under it then a pleasant flat bridge would be acceptable.

Can we estimate the potential use of a harbour cycling bridge from the percentage of Wellingtonians who cycle in all weathers like you? 

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1

I've cycled the Harbour Bridge. So have my kids when they were under 7. It's not steep. Seems steep when you're driving because of how quickly you go up but it's not a particularly difficult gradient. The gradient is a moot point anyway as ebikes flatten any hills and headwinds. You can wrap up in nice dry gear and never break a sweat. 

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1

Give it time and the guarantee that oil prices will rise eventually due to scarcity or international conflict, and by cost alone others will seek other modes of transport. Making cycling easier as well as public transport, takes cars off roads and eases the demand and degradation rate of roads, hence allowing more efficient use of the infrastructure we already have without having to build huge roading projects that kick the can for another 10years. Add the increased oil costs flowing through to the cost of roading and roading maintenance, and we will all pay somehow be it in rego costs, rates, taxes, etc. 

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1

A walking connection can probably work as a ferry, a walking bridge's main benefit from a transport point of view would be tourism and recreation. 

Cycling is completely different and a bridge is perfectly feasible and desirable. It opens up the north shore. Ebikes are transformational and extend both comfort and range immensely. So if you're going to build a cycling bridge you may as well allow people to walk over it too, it's a marginal cost increase. 

When we talk about the future of personal transportation being electric it is small electric e.g bikes, scooters and microcars. Tesla's etc... are dead ends in terms of system change. They are too heavy, inefficient, hard to build and only solve the issue of tailpipe emissions not congestion, parking, road wear and tear or air pollution.

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3

Watching the Mayor of auckland on TV last night....he really comes across as an abrasive blithery old man. Don't we have anyone to inspire us? Where are all the charismatic leaders? 

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2

I get Wayne Brown’s point but his delivery was defensive

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3

Would you rather have a media darling who can talk fluff? 

Watched him on Q&A with Jack Tame. Brown was impressive, exactly what Auck needs (though Jacinta needs a job, if you prefer a talker).

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19

Jacinda

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5

Who?

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1

They're busy sitting around drafting announcements about their announcements to announce an event that may or may not ever happen in the future. And doing their makeup for their press conference where they will read their announcement about their announcement to announce something.  And also busy fluffing around overseas on international things that don't concern us like Facebook censorship.  Being a charismatic leader is hard work don't you know?  Far too busy crafting their self image to actually get down in the muck and deliver something that us plebs could actually benefit from. 

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4

Here's a crazy idea - why don't we import even more people so we can get even more behind so we can import even more people to try and get ahead? 

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24

Increase of the head count then? As Alan Wicker explained years ago, visiting a remote part of the Solomons known for head hunting  which were a measure of social status, the way to get ahead was to get a head. Not all that dissimilar when you think about it.

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3

How about stop importing more and more people who by and large are hardly skilled. 

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26

Not a very propertycentric comment. The prices must go up.

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11

The one rule to rule them all. 

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3

I don't know if I agree with the logic.

We should probably stop importing people full stop, but if we must we should only bring in very lowly skilled people. Theory being that Kiwi's get the higher paying/higher skilled roles.

Bringing in skilled labour and leaving us the dregs will end in tragedy.

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0

I don't think it's anything about Kiwis getting higher paying roles. 

It's about businesses having more customers, cheaper workers, and keeping upward pressure on the property market. 

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10

Doesnt work for me - rents go up and I have to pay my staff more so they can still eat after paying the rent

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5

It transpires that high immigration in a short period of time isn't good for much except masking a recession.

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19

Someone has to pay those rapidly escalating pension costs I suppose

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0

Shift the age and cut the benefit. Solved without ever increasing immigration.

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2

Right on

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0

Or at least means test the superannuation.  What other benefit is there that doesn't take into account your current finances?

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2

Non, unfortunately NZ needs people to clean the toilets. You know, the jobs that are beneath pretty much every NZ’er without a job. And it’s not just that level. For instance, who will be our nurses? Retirement home staff? Doctors? After 6 years of Labour our health system has nearly collapsed, staff have hit the road in their droves.

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0

Does that make the problem go away, or does it mean less people to pay for the problem. Maybe a bit of both. 

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0

The infrastructure inflation rate is a good question.

I'm a bit cynical of the costing of major infrastructure builds. Where offshore companies have been brought in to deliver (think transmission gully, Christchurch stadium complex) massive "cost" over runs look more like a gravy train for those lead companies. With court action being considered adding even more cost.

I recall for transmission gully the lead brought in Australian H&S standards that were significantly more demanding than NZ standards, adding cost for the local service providers (and the project).

From what I observe in my local rural area, traffic management must be a massive additional cost on undertaking roading repair work. Is it time to have a hard focused review of this element? There is so much inconsistency between areas. On the Napier Taihape road there are multiple single lane cyclone damaged sections, all with 30km speed restrictions and give way signals. Yet in CHB there are traffic lights on similar single lane sections - that locals routinely disregard. What daily charge and maintenance cost is needlessly incurred? All a bit expensive namby-pamby to my thinking.

What areas of costs can be reduced to improve the cost efficiencies of roading infrastructure?

 

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7

I wonder if some of our more rural roads will eventually revert to gravel roads. Might be a good time for coastal shipping again.

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2

Sure, if the regional ports are up for it. The capital costs required for new coastal ships are huge though, and all we've got are a few barges, a bulk cement carrier and a couple of small ships.

Recently an initiative to have coastal shipping from Taranaki to Nelson was canned as the ship builders couldn't address issues relating to tidal differences at the two ports.

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1

We can refloat some of the old wooden scows, eh.

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2

Re: transmission gully, that’s nonsense. The project blowout had to do with out regulatory system (Respurce Management Act) not anything to do with bringing in higher health and safety standards, which is actually a good thing anyway. 

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1

Nope, the government lockdown causing workers to put down the tools caused it to overreach the target dates which would have incurred penalty fines to the contracted providers, thus the businesses had all the cards and held fast until the govt bailed it all out, scrapped the fines as they would have been a result of govt decisions, and threw money at them to get it done ASAP.

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0

Yes the same old story let the crowd in and worry about where everyone is going to sit later. In other words no planning at all. 

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9

Fully onboard with congestion charges in larger cities. W have seen decades of road building being a band-aid response that only lasts a small amount of time until it reaches capacity and the same gripes come up once again. A New approach is needed to change commuter behaviour towards public transport as places like AKL and Wellington reach a point where one person one car is simply non-viable. Nelson recently in August introduced new E-buses and more routes and patronage is up 71% in the 1st 3 months compared to the last 3 months before the change up. Positive sign.

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13

Auckland already pays the only regional fuel tax. Wellington surely should stump up also - not in the least so that the people sitting there can enjoy the extra cost they impose on others.

Funnily enough, the rise in hybrids/EVs works against it - ~40% of the vehicles at my kids school currently pay next to nothing for the roads they use/congestion they cause.

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10

and they are dropping the little chubbies off who could do with a walk anyway

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7

My little chubbies face a 6k walk to their zoned high school in Wellington. Something seriously wrong there.

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1

15-20 min bike ride. 

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3

Uphill both ways, like the old days?

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5

Auckland already pays the only regional fuel tax. Wellington surely should stump up also

I'd agree on that point on the basis that AKL and WLG have good state highway motorways paid by all taxpayers who don''t get the benefit of the services.

 Funnily enough, the rise in hybrids/EVs works against it 

Yep, get those rego costs cranked ASAP as the govt already lost out on a large volume of revenue from the 25c/L fuel tax relief that they now have to pull form elsewhere. Labour got drunk on debt and got fired for turning up hungover to work. Now we have an interim committee squabbling to figure out where to go and when they make an agreement finally, they'll be reading through Robbos books and seeing just how sloshed and incompetent he was on the job.

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2

Perhaps if coupled with liberalising the overly restrictive, anti-build zoning that's in place in Auckland's inner areas. Makes no sense to on its own penalise the folk who are pushed further out by NIMBYism, just to avoid raising rates on the NIMBYs causing the high costs.

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8

Great time for a tax cut

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8

Ain't that the truth - lol.  This is exactly what Trump did to lead the US on the same path we are about to go down - and then he got hit by the double-whammy of COVID wage relief spending.  We're doing it in the opposite - already done the COVID wage relief spending and NOW we'll have the tax cuts.

 

 

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9

Time for working Kiwis who pay the taxes to knuckle down and consider what's best for deserving property speculators who need yet another free ride.

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4

Nothing wrong with a good old tax cut Kate. The less I pay, the better I like it.

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0

Remind me again why we like population growth.  It seems nuts.

Yesterday they were talking congestion charges in Auckland.  The town I grew up in was great to live in.  No longer.

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19

I can recall decades when I grew up with not much changing. We had a stable country with a stable popn and cities.

The all of a sudden BANG!  The leaders decided everything must grow grow and grow.

Moronic.

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21

Key and Joyce kicked off that get rich quick scheme (to be fair along with plenty of other western countries).

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9

$108bn is way out of date. According to the Treasury, it's over $200bn and rising.

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5

The report highlights that we cannot build our way out of the problem but we have been poor at choosing the alternatives and continue to resist

Think congestion charging, removal of height limits, water meters, fluoride in water supplies etc as answers that we have avoided. 

We also have govt's that have over the last 30 years spent more of the tax money on transfers and less on development - this will be difficult to change given how people view govt now as a cash cow

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4

The pension is ever growing. We subsidise landlord rental yields over $2.5 billion per annum. We spent ~$12 billion on welfare to property via monetary policy over COVID. We've just allocated ~$780 million from ratepayers to protect property values...

 

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11

We also pass benefits via accommodation supplements to many pensioners who have sizeable incomes form mortgage free properties while many others suffer from well overpriced housing, struggling healthcare and lower education as time passes on.

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5

Meanwhile, politicians speculate on property...

I wonder when we'll start to consider such speculation while continually spruiking the market just outright corrupt.

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4

Well we just had our chance to vote for a universal land tax but only 63,330 did so. Case closed.

Those that can will probably sign up for the PAYE and Company tax funded property ponzi. Those that are already there will double down and do more of the same. The youth with good well educated prospects will continue to export themselves to Aussie. Aussie will continue to sends 501s back all the while thanking the medical and tech and trade school system in NZ for the free tax payers they have gained. We will continue to import people to fill in the hole, and vola.... New Zealand will become New Asia.

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5

thank you COVID for changing the WFH mindset of CEO's and allowing me to move out of Auckland after spending most of my adult life there. - now it's a nice place to visit but wouldn't want to live there.

Travelled to Aucks for Labour weekend. The crawling queues of traffic coming out on the Friday and going in on the Monday were the worst I've ever seen. Cops standing on the motorway at Ramarama as I cruised out wasn't a good sign - lol. Just for a few hours on the boat,(queueing on the boat ramp) near a beach (queueing for an ice-cream) or to catch up with family  (booking and dining at packed out restaurants) = MADNESS

more people = more madness

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14

My 20-something son just came back from a tiki-tour, Australia, US, UK and a lot of Europe and eastern Europe.

His opinion - Auckland is completely dysfunctional. And while it was a lot better when there were less people, many, many cities are larger but still function well. It's been poor policy making over decades.

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11

They pay higher taxes in those countries ... who sets the taxes? ... The government.

Ergo, it's NZ's fault.

(Have I mentioned that Kwis are not that bright?)

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5

Yeah they all have capital gains taxes, which we vote against, and then we complain about not having stuff other countries can afford. 

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7

They certainly dont pay higher taxes in the US.  Their income tax rates are

  • 37% for incomes over $609,351 (that's $1M in NZ $)
  • 35% for incomes over $243,726
  • 32% for incomes over $191,951
  • 24% for incomes over $100,526
  • 22% for incomes over $47,150 (that's $78k in NZ $)
  • 12% for incomes over 11,601
  • 10% for incomes under $11,600

And the brackets are inflation adjusted each year.  AND you can deduct any State income tax, sales taxes, mortgage interest, and property taxes. 

And from June next year, the Australian tax rates drop as well.  They will have a 30% tax rate on incomes from $45,000 up to $200,000.  Plus 12% tax free paid to superannuation.   How many skilled workers are we going to lose to Australia when that kicks in? 

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7

Do you know, when you want to understand how much a person knows about tax, watch and listen to see if they only understand income tax.

You're a laugh a minute K.W. Never paid tax anywhere except NZ, huh?

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1

They also have the global reserve currency as a distinct economic advantage, reap the benefits of having a large pool of skilled labour from all over the globe attracted to going there and paying into the tax pot, as well as vast mineral wealth and the tax take from harnessing this.

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0

$120b. Chump change. Whereas Auckland Council's total debt has hit $13.2b!! There is no way Aucklanders can bail out the council from this debt mountain when the income of $1.5b from rates. Minus $500m per year for interest-alone payment.

Eke Panuku has firesales of properties every week and sells them off dirt cheap to the chairman of Eke Panukus mates! Eg. Council carpark in downtown; $40m for a 125-year lease for a twin tower project worth $600m+. Another loss-making venture for Auckland ratepayers. Let's just hope the postal addresses for the Twin Towers aren't '9' & '11'.

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3

Rates simply need to go up. Can't keep kicking the can.

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1

But who voted to keep them so low for years as a god given right? The young are now paying for the old in more than pensions. Cumulative environmental damage, depleted resources, under-investment in infrastructure. Short sighted thinking for personal gain with the consequences lumped onto the rest. Stolen from the future, and that future is now, and apparently our only solution is immigration and stealing form further into the future in the hopes someone else deals with it.

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4

Now they want to make the younger people they've pushed to the verges of sprawl to pay instead, so they can keep rates lower...

 

 

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4

What's the ground rent on the lease?

I assume you know ... otherwise you've no right to call the deal bad, or good, because you don't have all the facts.

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0

That carparks COSTS the council money, why the hell wouldn't you sell it. 

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1

Remuera golf club occupies 60HA of council land worth 1 billion dollars that they pay 130k annually to lease.

Why wouldn't you sell that?

I know why and so do their 1400 influential members.

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4

Mates' rates.

Amazing that ratepayers subsidise wealthy folks' rounds of golf while some clamour to make cuts that affect the poors.

A symptom of moral rot, perhaps.

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6

Berhampore golf course in Wellington is the same, but personally I'd keep that as is. Not a fancy golf course by any means, has a frisbee golf course build in around it also, and a great outdoor space so close for so many.

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0

So long as it is a contestable, transparent tender then market value should be received.  Not clear that this happens though.

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0

$104 billion, huh?

It can't be all done in one year. Probably, if construction capacity allowed, maybe over 20 years?

So $5.2 billion per year ... But Council's are maxed out ...

So how about taxing the people who are actually consuming the existing services and will benefit from upgraded one?

What about a CGT? Or a LVT?

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0

104 billion is the NEW infrastructure deficit. Once that is built it creates an even bigger maintenance deficit than we have already. 

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0

In the 80's we had the Queen St farmers that farmed sheep for the subsidies and tax losses. Now they just farm people instead.

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6

Alternatively, all the people who like to live a First World existence can move to Australia, and then you can impose Third World conditions on all the immigrants left here who are used to living like that.  Crammed 4 to a bedroom, no cars, just jump on the roof or hang out the windows of overcrowded trains and buses, eat sparingly, collect rain water in buckets for drinking, send your kids out to work when they're 12.  Its gonna be great. 

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9

Why not do less? The implicit assumption is that we have to maintain current lifestyles and business models.

Not working well at a society level. Time for degrowth?

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1

Where are all the wealthy philanthropists at, that believe in giving back to the society that's funded them so well?

What about the financial institutions, insurers, mega corps, instead of advertising how glorious they are with fancy head offices, sports teams and stadiums fund some hospitals and social services?

Why doesn't The Market, that demands more immigration etc, fund some of the infrastructure that actually enables it to operate and be lauded as financially successful?  Without all the other components of society they can't really function.  Obviously the same goes for all the other "winners" that like to crow about their investment savvy.

One doesn't have to be religious or spiritual, take out the fluff and the ancient texts really just offered a guideline for basic human decency.  We seem to have created the opposite.

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4

Really good post. 

We're looking more and more like Ben Elton's Stark, except the rocket will be escaping a collapsing society 

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1

Good sentiment there, it would appear more of the wealthy don't believe in shedding some excess to help others anymore. My father did well over his lifespan, yet he chaired or was on the board of many many committees for charities, schools, did other volunteer work, donated to them freely, lived a better-than-average, but not exuberant, lifestyle, and overall spent a lot of time outside of work and away from the family giving back to the community. It saddens me to see that the current state of affairs in NZ doesn't reflect this sense of duty to help others prosper.

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1