sandra

Ask Aunty S

askauntys2

Dear Aunty S

We moved house recently and one neighbour has turned out to be nosy and abusive.
The other neighbours we can’t actually see because of a six foot fence but this man cut his side down to four feet before we moved in.
When my young children are playing in the backyard he is continually swearing at them to shut up and leans right over the fence scaring them.
I tried calmly talking to him but he just laughs in my face and says he will call the Police and say we are abusing him.
What can I do to stop him?

Aunty S responds:

An elderly bully is the worst kind as they usually have quite a record at destroying lives.
But this is 2019 and we have cameras of all sorts.
Install a Trail camera that records sound and run it for a few days. When you have continual footage showing him abusing the kids call the Police and explain what is happening.
I am sure the Police will have a word with him which should shut him down.
Don’t take the camera down just incase he keeps the abuse up.  A second visit from the Police will probably totally flabbergast him.
And show family and friends the footage.
Moral support is vital in cases like this.

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Ask Aunty S

askauntys2

Dear Aunty S

My Partner has a ‘Man Cave’ and spends his evenings in it, only coming out when it’s time for bed.
This has been going on for over a year and I am sick of it.
He says I am whining and he will do what he likes.  I found the key to it by accident so I went for a look.
Porn movies and dozens of empty and full bottles of whiskey in a cupboard.
He has always been selfish but has gone too far this time.
I work longer hours than him for us to survive and I am livid he is wasting his money on whiskey.
No wonder he never has enough money to give me for the Mortgage.
If I am honest he has never been a father to our kids, weekends are his sports and the pub.
I have never moaned because I thought he needed this but now I look at our kids who have no respect for him and I haven’t actually seen them interact with him for over a year ever since he built his Man Cave.
How do I make him realise he is losing the kids before it’s too late?

Aunty S responds

He is a grown man my dear, it was his choice to build a “Man Cave’ to get away from you and the kids.
I think this speaks volumes.
If you confront him you must be emotionally prepared for anything.
From the added information you gave, you are doing a wonderful job of parenting and you have two well adjusted kids so well done.
The fact your kids are not upset that their father is distant is a good thing.
You can take a horse to water but you can’t make him drink so be prepared for a negative response when you talk to him.
He may surprise you and say “I agree honey, I need to make an effort”
Or he may just continue being a disinterested Dad.
Get back to me anytime my dear.
Keep being the best Mum in the World.

 

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Ask Aunty S

askauntys2

Dear Aunty S

My son is running around with an unruly lot of boys.
They started pinching from the local Dairy and the Policeman came around to the house to inform us.
He was very good to us but told us we should seperate him from the boys by sending him to another school.
My partner says he will grow out of it and we shouldn’t make a big thing of it.
He will be nine shortly.
What should I do?

Aunty S responds

Your partner sounds like a bit of a twit.
Your son is eight years old!
Of course you seperate him from these rough little hooligans.
Take the Policeman’s advice and move him to a new school.
I have emailed you the name of the school which would be ideal for him and is closer to your home.
Stand up for what is best for your child.

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Ask Aunty S

askauntys2

Dear Aunty S

My mother-in-law has a great relationship with my sisters-in-law but not me.
She avoids me at family gatherings and is superficial when she talks to me.
I finally asked a sister-in-law why she won’t warm to me and she told me in strictest confidence how my mother-in-law  had never forgiven me for taking her son away from his previous fiancé and she still hopes they will get back together.
This is ridiculous as he dumped her when he caught her cheating and furthermore we didn’t know each other until six months later.
She is outright lying and I am so shocked and upset.
Should I tell my husband?

Aunty S responds

No I wouldn’t.
If she is cold and aloof when around you, your husband will catch on soon enough.
Just keep on being polite when in her presence and try not to be alone with her.
Many women have mother-in-laws from hell and they survive but survival depends on you outwitting her. Don’t let emotion rule.
I am sure she would love you to go running to your husband where she will deny being aloof and tearfully say you don’t like her blah blah blah.  Of course you can’t involve your sister-in-law.  That would be a betrayal of confidence.
If she doesn’t pull her head in, it’s far better for your son to see her in the act and trust me she will trip up.
Good luck my dear girl.

 

Ask Aunty S

askauntys2

Dear Aunty S

My sister-in-law is a liar.
She recently told me how my husband says derogatory things about me when he visits his brother.
I believed her and confronted him and he denied it.
He insisted we visit his brother and wife immediately so we drove two hours when we got there she denied saying it to me.
But her husband, who I went to school with, hit the roof and told us how she is always lying so believed me.
Their marriage is now on the rocks and I feel guilty.

Aunty S responds

It is not your fault so there is no need to feel guilty.
Sadly you can never trust a liar and it sounds like your brother-in-law has dealt with quite a bit of drama throughout their short marriage.
She obviously needs professional help but in my experience liars never admit they have a problem.

 

Ask Aunty S

askauntys2

Dear Aunty S

Recently I retired from the country to a suburb in a good part of my local city.
All the neighbouring homes are worth more than two million dollars so I assumed there would be nice neighbours so I didn’t direct any questions to the Realtor as to why the owners were selling.
I should have.
Now I know why they sold, my neighbours are loud, rude and abusive when drunk and this is all the time.
Their back deck looks into my backyard and the neighbour on the other side told me they cut the trees in my backyard when the previous owner were on holiday so they could look directly into it and hurl abuse at them.
When they returned from holiday they were devastated so decided to sell.
Now I am stuck with these obnoxious neighbours.
They told another neighbour how I sunbathe in the nude and I hang my washing out in the nude.
Of course I do not do either.
Hopefully nobody will believe them.
My children want me to sell as they don’t like me living beside them.
My son says he will move in with me until it sells, he doesn’t want me to be alone.
What do you think?

Aunty S responds

Listen to your kids my dear…sell up my dear….its not worth the stress.
And what a great son, take him up on his offer today.
This house will sell quickly as its in a prime position.
Your neighbours are nothing but vile bullies.
And use the same Realtor, tell him your life is a misery and you need to have it sold now.
He will get a huge commission so he will fall over himself to get a sale.

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Ask Aunty S

askauntys2

Dear Aunty S

Last Xmas I had another miserable time at my parents house.
My sister is horrible and flaunts her wealth in front of my kids by taking her kids presents over to my parents house for them to open.
My kids open their presents at home.
My parents are sweet and have told me not to come this year, just visit in the evening after she has gone home which I am thrilled about as we will have a family Xmas at the beach.
There is a small problem, my husband  says I can take the kids to the beach if I want but he is having Xmas dinner at my parents.
He likes catching up with his brother-in-laws, they sit around and get rotten drunk.
The kids are fine going without their father but I am now feeling guilty.
What should I do?

Aunty S responds

Your husband is quite happy to go to your parents without his family so you have no reason to feel guilty.
Of course It is sad he prefers a drinking session to having a day out with his family but if you are okay with this there is no problem.
Have a fun-filled day at the beach.

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Dear Aunty S

askauntys2

Dear Aunty S

I have decided not to go to my in-laws this Xmas as I am over all the drama that happens year after year.
My kids are old enough to pick up on the fact they are being ignored by their cousins and Grandparents and of course there is always the snide remarks about how brown they go in Summer.
I am Maori and my husband isn’t.
His family have never forgiven me for marrying their son.
My husband is very supportive and always apologises after we leave their house.
I am the one who has insisted we go each year in the hope they would accept us.
My husband is glad I have seen sense and now wants to have it out with his parents.
I would rather we just ignore the elephant in the room and politely say we are busy this year but hope to pop over at some stage on Xmas Day, of course we won’t.

Aunty S responds:

I agree with you my dear.
Very wise.
You gave it your best shot to try to make them accept you, their behaviour is now affecting your children; time to end the Xmas horror but not in a confrontational way.
Have a great Xmas with your lovely family.

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Govt protection proposed for 90 per cent of bank deposits

https://i.stuff.co.nz/business/113735118/govt-protection-proposed-for-90-per-cent-of-bank-deposits

 

People with money in the bank will soon have a guarantee of most of their money.

Kiwi households have around $170 billion on deposit with banks, but currently, should a bank fail in New Zealand, there’s no guarantee the Government would bail it out.

Under the Reserve Bank’s Open Bank Resolution scheme (OBR), depositors at a failing bank might have to take a “haircut” with some of their money being taken to recapitalise their bank, and get it open for business again quickly.

New Zealand is unusual by international standards in not having a deposit protection scheme for money in the bank.

The decision comes as part of phase two of the review of the Reserve Bank Act.

“Now is the right time to check we have the tools to make sure banks meet their obligations to New Zealanders, and the powers to enforce them,” Finance Minister Grant Robertson said.

“The Government is also making sure New Zealand follows international best practice for promoting public confidence in our banking system, including on the issue of depositor protection.

“Our banks are safe and sound. However, the OECD and IMF have said that our banking system might be more vulnerable in a crisis because we don’t have a deposit protection regime. A deposit protection regime will increase public confidence in the banks.”

The Government is proposing a limit between $30,000 and $50,000 for the deposit protection regime. This would cover 90 per cent of individual bank deposits in New Zealand, which is similar to international schemes. It follows consultation with the sector.

“Overseas experience shows that bank failures can be the result of a few bad decisions that normal bank customers had no influence over and no idea about. A deposit protection scheme will help protect customers like a young couple saving a deposit for a house, people saving for their retirement, or the small business operator who keeps money aside for a rainy day.”

Banking expert Claire Matthews, of Massey University, said it was likely to increase costs for bank depositors.

Internationally, guarantees such as this were not free for the banks. “You can argue the big banks can cover that cost within their level of profit currently but I would expect them to pass it on in some way. Smaller banks don’t have that same capacity so that will increase the cost to depositors.”

She said, depending on which institutions were covered, it might prompt people to shift their money to those with the guarantee.

The Government is also making sure bank regulators in New Zealand have the right tools to hold the banks and their executives to account.

Phase two of the review will look at whether the Reserve Bank’s supervisory regime is sufficiently strong. It will also review the enforcement tools the Reserve Bank has, including whether penalties are tough enough to discourage certain behaviour.

The Government is considering adopting elements of overseas frameworks, which would increase the responsibilities and accountabilities of senior executives for the actions of New Zealand’s banks and licensed deposit-takers.

Australia’s Bank Executive Accountability Regime and the UK’s Senior Managers Regime are two examples of frameworks that assign duties to individual decision-makers at banks, so that if things go wrong the individuals directly responsible can be identified and held to account.

“These regimes go a step further than New Zealand’s current Director Attestation Regime for banks, by also holding senior managers to account for the prudent management of their bank within their area of responsibility,” Robert said.

 

 

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