Photographer and Philanthropist - Medical Assurance Society
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WINTER 2018
David Yarrow
Photographer
and Philanthropist
Money Personal finance / FIRE up your retirement
Greater good Climate change / how the insurance
industry is responding
A life well lived
Good living Car sharing / the future of transportation The magazine for
MAS Members
In this issue on mas /
winter 2018
The information contained in OnMAS is of
a general nature and should not be used or
relied upon as a substitute for detailed advice
On the cover
or as a basis for formulating business decisions.
The opinions of contributors are their own and not
necessarily those of the publisher or editor.
©2018. All rights reserved. No part of this magazine
may be reproduced in whole or part without the prior
permission of the publisher.
From MAS
PUBLISHER MAILING ADDRESS Welcome to the new-look
MAS OnMAS OnMAS magazine for
19 – 21 Broderick Rd PO Box 13042 winter 2018. We’ve themed
Johnsonville Johnsonville this season’s edition
Wellington 6037 Wellington 6440 around sustainability,
04
to reflect the direction
PHONE HEAD OFFICE that we’re taking MAS.
0800 800 627 +64 4 478 8863 Last year we introduced
socially responsible
WEBSITE EMAIL Wildlife photographer and ex-trader David Yarrow investing principles to
mas.co.nz onmas@mas.co.nz talks capitalism and the environment all our managed funds
and reserves.
17
EDITOR DESIGN
Sophie Speer eightyone.co.nz This year we’re putting
professional life money a proposal to the AGM in
August that MAS should
THE CONTENT HUB 02 News briefs / Sustainability 17 Personal finance / FIRE establish a charitable
For more stories, videos, and to share your views, 08 Profile / Breast up your retirement trust to make a lasting
visit the MAS Hub at hub.mas.co.nz. The hub is the cancer imaging expert contribution to the health
32
go-to site for features from OnMAS magazines, as well Dr Monica Saini and wellbeing of
as helpful information and useful tips on all the things 12 Work / How to be mindful New Zealanders.
that matter to us –
and to you. You can easily share at work
stories from the hub with friends and family, see videos 26 Student news / Updates This month we’re also
that delve deeper, and have your say on issues affecting from association presidents launching an online
you and your community. 28 MAS in the wild / MAS version of OnMAS that
what
Talks with David Yarrow features video stories,
offering a different take on
matters SUSTAINABLE PRODUCTION
greater good good living
some of our main articles –
most.
Every effort has been made to guarantee the pages you’ll find these stories at
of OnMAS are sustainably sourced and produced hub.mas.co.nz
using paper that meets the environmental standards 04 Cover story / Wildlife 10 Technology / The future
We’ve started our journey toward a more shown below. photographer and ex-trader of solar Enjoy our new-look
sustainable future, and now our investments David Yarrow 23 Travel / Saving tigers in magazine – as always,
reflect this commitment. We no longer invest 14 Climate change / How India we’re looking forward
in the manufacture and sale of armaments, the insurance industry is 30 Motoring / Car sharing to your feedback.
tobacco, or the exploration, extraction, responding 32 Food & drink / The growth
refining and processing of fossil fuels. 20 Member story / of natural wines Mike Davy
12
Are we dying from 36 Entertainment / What to MAS, General Manager
Visit mas.co.nz or call us on embarrassment? read, watch and download Marketing
0800 800 627 for more information. ISBN 2230-5823
Photograph: David Yarrow on mas the magazine for mas members 1
P professional life /
news briefs
What’s on Fast facts
Go FINDING MATARIKI / We created an infographic to help tell our SRI story.
News briefs
View the full-size graphic at hub.mas.co.nz
carbon
JUNE – JULY 2018
Matariki rising marks the start of the Māori
neutral
New Year celebration this month (June).
ethical
The cluster of stars, also known as the
On sustainability Pleiades, rises in midwinter, heralding the
A Golden Bay-based
international non-profit
start of a new year. This year the Matariki
cluster will be visible just above the horizon
Socially
Responsible
$1.6bn
is helping people go Fashion Guide before the sun comes up from 6–9 July.
the amount MAS invests in an SRI manner. 1,099
Investing
individual
growth in the value of NZ funds managed
companies
using a SRI approach for the year 2016.
zero carbon by selling Aotearoa New Zealand owned by MAS
In brief
2018 Jun 17 Aug 17
in the global
equities portfolio.
carbon credits produced MAS becomes
a UNPRI 1
MAS funds
accredited
signatory. by RIAA 2.
by community-based
indigenous forest projects in
New Zealand and the Pacific
Islands. Ekos, founded by
2,500%
Dr Sean Weaver, is looking KiwiSaver Pl
AS an
M
to revolutionise the carbon 1 of 8
market by making it easier KiwiSaver
providers
KiwiSaver Pl signed up to
AS an
to achieve zero carbon
M UNPRI 5.
345 1 7
of
status for both individuals KiwiSaver
providers
global companies
signed up
and businesses while excluded from the
MAS SRI equities
NO
to RIAA 4. United Nations
Principles for $68tn
Ethical
mandate.
maintaining high standards.
Responsible assets under management.
tobacco, Investment
armaments represents:
or fossil fuels.
Matariki events are being held across the The Responsible
Investment 200 350+
Association
threads
members
The first of its kind in New Zealand,
asset owners
country throughout June and early July. Australasia has: I
$5tn N
PR
the Ekos 'Zero Carbon Now' Auckland’s festival will offer more than assets under
management.
U
Water bottles for good
programme aims to link local 100 events across the region from
carbon offset buyers with local The fifth annual Ethical 30 June–22 July including dawn karakia,
carbon projects that look after the Fashion report has been captivating kapa haka performances,
A Kiwi-based social enterprise is tackling one of the land and waterways. For example, released, seeing more waiata with some well-known wāhine toa, Sep 17 RIAA 1,700
Blackrock3 starts UNPRI signatories in 2017,
managing MAS up 14% from 2016.
environment’s greatest threats – single-use plastic Ekos has teamed up with Golden than 400 brands which and kite-flying. In Wellington, Te Papa is SRI global
equities.
bottles. For the Better Good is creating water bottles Bay's Rameka Forest Carbon are sold in New Zealand hosting its second annual Matariki Ritual,
90 Under the Mar 18 UN Secretary General
calls climate change:
spotlight “the most
from renewable plant crops like corn, sugarcane and Project to sell the credits from its and Australia, assessed for which celebrates the new year as a moment companies are
responsible for
Jan 18
Blackrock 3 CEO,
systemic threat
potatoes. The new "Better Bottles" have a carbon 91ha carbon farm to offset buyers their labour rights by Baptist of renewal, on 15 June. Dunedin also has
2/3 to humankind.”
Larry Fink sends
warning to major
corporates saying
footprint 78% smaller than traditional plastic bottles. in the Nelson Tasman area. To get World Aid and Tearfund. a range of Matariki events from 16–22 July. of man-made they need to serve
global warming a social purpose.
The company is also taking responsibility for the entire started, head to ekos.org.nz and The report was first emissions.
the temperature above
life-cycle of the bottles they produce, arranging for use the calculator to find out the published in the wake of the CENTENNIAL CELEBRATIONS / +20 pre-industrial levels
that we can’t exceed
this century 6.
UNITED
NATIONS
composting of any bottles returned to them. size of your carbon footprint and fashion industry’s worst-ever JULY 2019
pay to offset it. A return flight from disaster where more than The Medical Women’s International
Central Otago-based creator of Better Bottles, Jayden Auckland to Wellington would cost 1,000 garment workers died Association is turning 100 and is holding
Klinac, was travelling from Auckland to Wellington as little as $4.24 to offset, while after the Rana Plaza factory a Centennial Congress in July 2019 in 1
United Nations Principles for Responsible Investment 4
responsibleinvestment.org
100m people live less than three feet above sea level. Responsible Investment Association Australasia unpri.org
2 5
3
World’s largest fund manager, based on funds under management 6
Paris Accord
when he discovered he hadn’t brought his own reusable offsetting the emissions from collapse in Bangladesh. New York. The association (established
bottle and became frustrated there wasn’t an option to driving a medium-sized car the Higher grades correspond in 1919 – making it one of the oldest
buy a bottle that wasn’t made from oil. “They don’t have same distance would cost $8.57. to systems which reduce professional international bodies) represents
refilling options at petrol stations, and I’m not exactly the risk of modern slavery, women doctors from all six continents. MAS AGM /
going to stick my head under the sink,” says Klinac. child labour and exploitation. The centennial event will see women The Annual General
This year 56 brands were academics, specialists, GPs and some Meeting for 2018 will
Better Bottles are available at cafés and yoga studios given an A grade, including students from over 50 countries in be held on 29 August
around the country, and almost 5,000 were used at last Kowtow, lululemon and attendance, with partners welcome too. in Auckland. Further
year’s Tuki Festival in Wanaka. Klinac says they were Icebreaker, while 27 failed details will be sent
blown away to see festival-goers refilling them all day the report with an F grade Enquiries for more information on the to Members.
and not throwing them out. The company isn’t stopping including Decjuba, Cooper event should be directed to Dr Robyn
at water bottles; their goal is to replace the oil-based and MINKPINK. Hewland. Email hewlandr88@hotmail.com
plastic industry completely. or visit mwia.net/centennial_congress
Dr Sean Weaver
2 winter 2018 on mas the magazine for mas members 3
G greater good /
cover story
The Photographer & the
My approach
is always to
get close to
the animals.
Meet the wildlife photographer
fixated on capturing the beauty Proximity affords
of our planet – and on doing his
part to protect it.
01
magnificence.
David Yarrow must be tired. Speaking
from his London home in the small Now he’s back at home sending his kids Yarrow was born in Scotland in 1966 some of the most endangered and some
hours of the morning in late April, the off to school and working on the other into a Glaswegian shipbuilding dynasty of the most dangerous animals on earth.
world-renowned wildlife photographer side of his successful photography that built over 400 ships in docks along But he says he’s still developing this
counts how many flights he’s been on business—marketing, printing, getting the Clyde River ranging from African style, still learning, and Yarrow hopes in
already this year: 47. bills paid and laying the groundwork lake ferries to Royal Navy escort ships. a year he’ll be taking better photos than
for future shoots. By the time he reached working age, he is now.
“That’s almost a flight every other day,” the Clydeside shipbuilding industry
he remarks. “I live quite an unusual life these days, had passed, so Yarrow chose the path “If I take my heroes, I don’t think
so having a bit of downtime and family of finance and made a name for himself Spielberg stopped learning. You’re
When OnMAS spoke to him, he’d time is a good thing.” – first as a stockbroker, then as founder continuing to learn. I’m a very visual guy
recently returned from a shoot in of his own hedge fund, Clareville and I see the mistakes people make. The
Iceland where thunderous roiling seas These days much of his time is also Capital, in 1995. principal one in wildlife photography is a
and looming, threatening skies provided spent on the speaking circuit. By the lack of proximity and a lack of emotion. I
the backdrop to shoot wild horses time this issue has gone to print the Scot But photography was always his guess without emotion your photographs
galloping en masse. will have completed a series of speaking passion; as a young adult he worked as have nothing, and through proximity,
engagements with MAS. It will be his a photographer for The Times, where you can get to the soul of an animal.”
Before that it was Africa, where he first time heading to New Zealand, he captured the now iconic image of
completed six shooting assignments. Yarrow is ashamed to admit. But he feels Argentine footballer Maradona holding “My approach is always to get close
he already knows the place a little – the up the World Cup after the 1986 final to the animals. Proximity affords
cinematography of Sir Peter Jackson, in Mexico. However, he was swayed magnificence.”
the friendly people, the formidable away from photography and spent two
rugby team which the Scots almost decades trading stocks in both London For Yarrow this can mean a strategically
defeated late last year. and New York until deciding to commit placed camera and a remote control,
himself to photography, eventually or a cage placed within the animals’
selling off his business. natural environment. He’ll smear his
lens with Old Spice to attract lions, with
Yarrow has developed a recognisable style vanilla to attract elephants, or he’ll wear
in his wildlife photography – his images chicken around his neck to attract tigers.
Opposite page / 'The Prize'
01 / A close encounter while are at once compelling and disarming,
photographing lions as the viewer comes face to face with >>
4 winter 2018 on mas the magazine for mas members 5
02 03
original. So I will invest our money to go
on shoots 90 per cent of the time. The
trips tend to cost between US$50,000
06
and $100,000 – that certainly focuses
the mind on whether you’re going to be
able to get that return [on investment].” “I think, before #metoo, that probably “Photography is not just about cameras.
environmental change and consciousness It’s about your eyes, your brain, your
This leads him, more often than not, of our planet was one of the biggest heart and your soul, and it requires a
to the safari lands of Africa, where he issues corporates had to address. And lot of leg work. It’s 90 per cent logistics.”
photographs the big alpha animals: it continues to be.”
the elephants, lions and leopards. He’s Among his charities is the Tusk Trust,
shot a wolf in a bar in a ghost town in He cares not just about the animals he a British not-for-profit that funds wildlife
07
Montana, United States. He’s captured photographs, but the people he works conservation efforts in Africa. But his
04 05
polar bears in the Arctic, gorillas in the with. When on shoot – which is about commitment to conservation doesn’t
Congo and monkeys bathing in hot water 90 days out of each year – he has a team mean he puts animals before people. How then to balance protecting animals
pools in Japan. of fixers on the ground who ensure his with being socially minded?
P professional life /
profile
Opposite / Breast cancer imaging expert Dr Monica Saini
Highnan had been looking for the insights of women to receive a standardised The extensive use of Volpara technology
of a clinician and communicator like Saini mammogram with less radiation, better around the globe means the artificial
to turn his Wellington-based company into positioning and compression, thus yielding intelligence technology is constantly
a game changer for the detection of breast a more comfortable mammogram that improving at predicting a woman’s risk
cancer around the world. Dr Saini had been allows radiologists like Dr Saini to find breast of developing breast cancer.
looking for a good excuse to relocate to cancer early. “There should be uniformity in
New Zealand with her filmmaker husband the mammographic screening, whether you “As an international company, Volpara
and two children. are a woman in China, New Zealand, or the has collated one of the largest datasets
US,” she says. of mammograms across the world. This
Everything fell into place. By November the enables us to see what change is in the
family had moved to Wellington, and they’re Internationally, breast centres use Volpara’s breast over time, which will be key in breast
now settled in and taking advantage of the density software to detect the ratio of cancer prediction. Harnessing this data
lifestyle offered by the capital. fibrous tissue to fatty tissue. Fibrous tissue will improve early detection and, some
is denser and has been found to be a more day, prevention of breast cancer.”
Prior to arriving in New Zealand late last year, common risk factor than family history,
she worked as Consultant Medical Director according to Dr Saini. These datasets are showing ethnic variances
of Automated Breast Ultrasound Systems in breast tissue: in Asia, particularly China
for GE Healthcare, after spending eight years Volpara adds accuracy to breast cancer and Japan, women are found to have more
in New Mexico as Chief of Breast Imaging detection by offering an objective and fibrous tissue – about 70 to 80 per cent,
at Santa Fe Imaging. reproducible density assessment, as whereas in the United States it’s more like
40 to 50 per cent.
Dr Monica Saini An American breast imaging
expert has joined forces with Volpara has collated one of the largest Here in New Zealand, Volpara is being
Battling global
a Kiwi medical technology used in several facilities in Auckland and
company to help win the global datasets of mammograms across at the Hutt Valley DHB to ensure quality
battle with breast cancer from standards are met at each breast centre,
the world. Harnessing this data will
breast cancer
their Wellington base. and to allow each centre to improve their
screening performance.
A fortuitous meeting at a conference in improve early detection and, some
from Wellington
Queenstown last year led Dr Monica Saini Dr Saini says as long-term data grows,
to move her family halfway across the world day, prevention of breast cancer. risks for New Zealand’s unique population
to take on an advisory role with breast will be better understood.
cancer detection company Volpara Health
Technologies and a clinical position at Hutt “I hope in the future we will better
Valley DHB. Dr Saini splits her time between Volpara opposed to a subjective judgement made by understand the likelihood of Māori and
and working as a breast radiologist at Hutt the radiologist. Interpreting mammograms Pacific Island women developing breast
The internationally-renowned American Valley DHB, where the Volpara technology is and density is an art, and there can be cancer. We need to research their breast
breast cancer imaging expert was already used. The split allows her to continue clinical variability between radiologists. cancer risk factors so we can identify and
a vocal proponent of Volpara’s technology work and to provide Volpara with feedback formulate better screening and treatment
– which makes mammograms more on how the technology is working for both “In the past five years Volpara has been approaches.”
accurate through better understanding the practitioners and patients. looking at things that affect density such
density of breast tissue – when she met CEO as lifestyle factors, diet, alcohol intake and
Ralph Highnam in Queenstown a year ago. Volpara software, which is used in even pollution, of all things, to understand
It was a perfect match. 35 countries, has impacted the ability how they affect this measurement.”
8 winter 2018 on mas the magazine for mas members 9
L good living /
technology
01 / Solar panels installed on the
Burling's West Auckland home
02 / Fraser Burling charges the electric
family car they bought last year
03 / Fraser and Kylie Burling with
Getting off the
GRID
twin boys David and Lennard (9),
and daughter Amaryllis (5)
Images courtesy Adam Firth
says it’s the financial savings that have
motivated them most.
“For us it's a win-win situation. We knew if
in the suburbs
there was going to be a house that would
suit, it was this house. We wouldn't have
done it if it made the environment worse,
01
but that wasn’t the primary motivation. It's
a great bonus that it's helping us and the
environment,” says Kylie.
As a Kiwi family takes the first The current system is based around 38 “We will have recovered all our costs in a little
steps towards life off the grid in solar panels on the north-facing roof of over seven years since installation, and all the Their savings come from not only avoiding
the suburbs of West Auckland, their home, which can generate 9.8kW of rest after that will be fully to our advantage. buying power in the daytime, but also the
they’re learning that generating electricity – easily enough to run all their The solar panels have a lifespan of at least 25 ability to export power back to the grid
their own power doesn’t mean home appliances, heating and lighting during years, although we may have to look at a new 02
during the day.
sacrificing home comforts daylight hours. Daytime demands on power inverter in 10 years or so,” he says.
at the Burlings are significant, with a busy Fraser says the cost of charging the car “How much you can save is dependent on
The Burlings aren’t your typical suburban schedule of homeschool and domestic The solar inverter is the device that converts battery is less than $1 a week. If charged what you can export. In the summer, for
West Auckland family. At their six-bedroom chores all squeezed into daylight hours. the DC electricity generated by the solar entirely from the grid, the car would cost instance, when we’re able to export power
Glen Eden property they homeschool their panel into AC. This can be sold back to their around $5 a week to run. back to the grid we make money and have
children, keep chooks and generate their “The common sense solution is to use power power company or used in their home. our account running in credit, but we can't
own electricity. when we generate it. We’d be silly to run our They paid $5,000 for their inverter, but Fraser “We save between $400 and $500 a spend that money on anything else other
dishwasher or dryer at night when we pay predicts the price will drop before they need month on fuel alone, and with electric than power,” says Kylie.
It’s a busy life. Fraser Burling, 50, is a for power. Usually, first thing in the morning a replacement. cars you also don’t have to worry about
rheumatologist who specialises in Ehlers- we run the dishwasher and dryer and things, maintenance for spark plugs, carburettors, And money saved is money well spent; Kylie
Danlos syndrome while Kylie Burling, 47, stays then we are free to do as we like,“ says Kylie. engines, and exhaust pipes,” he says. says the family uses it on international travel.
home to educate 9-year-old twins David and
Lennard and daughter Amaryllis, 5. Fraser says it didn’t take much to shift most We will have The Burlings are planning the next step in “Fraser attends conferences every year
of their power use to the daytime and their energy sufficiency journey – installing as a continued education requirement.
“The boys knit, spin wool, card fleece, sew, minimise their nighttime consumption, recovered all our 03
a battery in the next 12 months. They have We usually try to take at least one or two
learn ballet and jazz, and harp and piano. Not when they have to buy power from the grid. their eye on a model made by Tesla that of those opportunities to travel with him;
much run-of-the mill stereotypical stuff here. costs in a little The Burling family’s energy self-sufficiency can store 13.5kWh of usable electricity, homeschooling allows you to do that,”
But I wouldn’t describe us as hippies. We just “We've already cooked our main meal for regime extends outside their front gate. enough to power an average household she says.
like to be self-sufficient where the opportunity breakfast. We switched our water heater over seven years Last year Fraser made the move from for up to a day. The advantage of the Tesla
arises and talent allows,” says Kylie. to a daytime timer and took it off the ripple a petrol car to an electric vehicle. model is its estimated lifespan of 50 years. “I wouldn't say what we save on power funds
control. In winter we have oil heaters that are since installation, all the trips. But certainly every penny we
The goal of energy self-sufficiency led them set on daytime timers, and we replaced all “We bought the electric car last year when “That’s important when you look at the cost save gives us spending money that we would
to invest $26,000 in a solar power system our lighting with LEDs,” he says. and all the rest our last petrol car died. I charge it in the of the battery versus the savings. Some not have had, so it does contribute to making
in 2014, which means they generate enough daytime whenever possible, mostly only barely pay for themselves over 10–15 years world travel affordable,” says Kylie.
power to run their household from half an The savings have been significant. after that will twice a week. Once on the weekend, and but only have a lifespan of 10–15 years,”
hour after sunrise until half an hour after The annual power bill has reduced from top up on a Wednesday when I usually get he says. And it certainly makes for interesting school
sunset. Their dream is to add to their system $4,000–$5,000 to around $1,000. Fraser be fully to our home early and still have some daylight excursions. Last year they went to Spain, and
in the next few years and live completely calculates that they will recover the initial hours left,” he says. After four years of their energy self-sufficiency later this year the Burling Homeschool is off
off the grid. set-up costs in 2021. advantage. journey, the Burlings have no regrets. Kylie to the Netherlands and Germany.
10 winter 2018 on mas the magazine for mas members 11
P professional life /
work
02 Breathe and count
Take a moment
Breathing is one of the simplest ways to practice mindfulness, and it doesn’t
need to be a full-blown meditation session – you can practise anywhere. For a
simple start, concentrate on each breath, using your lower abdomen to inhale
deeply, and continue this for a long as you desire. Alternatively, counting your
breaths can be an ideal calming technique in moments of stress.
Reducing stress through mindfulness Count ‘one’ on your first exhale and ‘two’ on the inhale, do this until you
get to five, and repeat if you wish. Counting your breaths not only calms
the body, but the act of counting also calms the mind. You can practise this
exercise at your desk, in the lift, or anywhere you have a moment to yourself.
Feeling overwhelmed at work has a
serious effect on stress levels and overall
wellbeing. While it is normal to feel the Mindful eating at work
pressure at times, developing a deeper
sense of anxiety is a problem – so how can To eat mindfully, one must bring full attention to the meal.
we stop these feelings from taking over? Instead of rushing your lunch, or eating while distracted, try
to concentrate on the taste, smell, and texture of your food.
Practices such as yoga or meditation are often suggested Focusing on your senses while eating allows for smooth
as effective stress-reducing techniques. However, leading digestion and a satisfied stomach.
a busy lifestyle, along with an unpredictable work schedule,
means it can be hard to fit these into a daily routine. Eating should be a time of calm, so taking a walk outside or
to a quiet area is an ideal scenario for a lunch break. It can
The psychological practice of ‘mindfulness’ helps to keep be tempting to watch TV or browse Facebook while eating,
the mind present, compartmentalising your thoughts and but eating while distracted is a sure way to feel more stress
emotions. The practice works by bringing your attention and pressure. Eliminating your distractions is beneficial at
01
to the senses, to pause the whirlwind of stimuli and focus any meal time, so take a good look– and taste of – what's
on the current moment. on your plate next time you sit down to eat.
Compassionate thinking
If the nature of your work revolves around assisting others,
04
it can be easy to forget to care for yourself. Recognising Reduce multitasking
moments of compassion throughout your day is a small
03
but effective way to becoming more mindful. Turning your It has become the norm to spread ourselves thin across
attention to the ‘good deeds’ of each day can be key to a multitude of tasks, and having fingers in different pies
eliminating negative or anxious feelings. isn’t the best for our productivity or stress levels. Allowing
yourself to focus on one task at a time can help the mind
If you have time to yourself at work, take a moment to stay present, and avoid overwhelming feelings.
Writer Cheryl Strawbridge / Cheryl is an accredited consider the positive effects of your actions. Time spent
mindfulness consultant, and the founder of Ovio outside the workplace is another opportunity to think Distraction is often disguised as multitasking, so check in
Mindfulness Solutions. She shares her tips about how mindfully and partake in activities you enjoy. Spending time with yourself each hour to ensure you’re using your time
to fit mindfulness practices into a busy work day and with family and friends, to appreciate the small things, can mindfully. For some, it helps to write a task list that can be
avoid the dreaded ‘burnout’. help dilute the stress you may be feeling at work. worked through chronologically, rather than all at once.
12 winter 2018 on mas the magazine for mas members 13
G greater good /
climate change
Insuring against
climate change
02 03
The Insurance Council of New Zealand “That’s been the approach for decades, unaffordable or unavailable. But there is
As extreme weather events has reported the country can expect to but there’s now more discussion about a risk it will, if we can’t collectively, with
caused by climate change face an average annual insurance bill the sustainability of this model.” government and other organisations, start
grow in strength and frequency, rising to $1.6 billion – just under 1 per cent to think about how we can build resilience
insurance companies are having of GDP – caused by severe weather events. Some insurers are now looking at for communities.”
to consider their impact on applying a more risk-based pricing
people’s policies. In the first two months of this year alone, model, where a property’s individual risk Surrounded by water, one of New
insurance claims for damage caused profile determines policy costs. Factors Zealand’s greatest risks comes from
New Zealand has always been at the by nationwide severe weather in early considered include whether the property rising seas eroding coastal land and
mercy of the climate. A small slip of a January, and Cyclone Fehi and ex-tropical is in a high-risk area for earthquakes storms bringing surges and flooding.
nation in the Ring of Fire, surrounded by Cyclone Gita in February, have been or flooding, and unique characteristics With so many people living near the
immense seas and sandwiched between provisionally costed at $93.5 million. such as the materials it’s built from coast and low-lying areas, the impact
the icy waters of Antarctica and the and whether it has a retaining wall. on communities when a severe weather
warmer tropics of the Pacific, Aotearoa is NIWA data shows there have been a total Inevitably that means for some people event occurs is much greater.
a place used to the extremes of weather. of 12 cyclones across the country since their insurance costs will rise.
2000: four of those in 2017 and the first “Human beings are making lifestyle
But climate change is making these quarter of 2018. While cyclones aren’t “MAS, and the insurance industry as a choices to inhabit certain areas that are
severe weather events more regular expected to increase in number under whole, wants to avoid the situation where vulnerable and are doing so in increasing
occurrences as we face rising seas, climate change, when they do come insurance for some risks becomes either numbers, so the impact will rise.”
droughts and ever more frequent they will be stronger and more intense.
storms hurled upon us from the Pacific >>
01 / Waves spill onto roads in and Antarctic Oceans. As these events MAS Chief Executive Martin Stokes Ministry for the Environment report, 2017
cause masses of damage to homes and says from an insurance perspective
$19 billion worth of buildings and
Wellington's southern suburbs
02 / Aftermath of a storm on infrastructure, insurance companies are these extreme events pose a challenge;
Wellington's south coast
having to consider how to manage risk traditionally, insurance pricing was
03 / Huge waves threaten property
in Island Bay
and payouts. community-based, with low-risk areas infrastructure is at risk from rising
subsidising the costs of higher-risk
sea levels.
Images courtesy Dave Allen, NIWA
locations.
01
14 winter 2018 on mas the magazine for mas members 15
G M money /
personal finance
>
16 winter 2018 on mas the magazine for mas members 17M
G greater good /
member story
It’s our second biggest killer
but too many are Kiwis too
ashamed to tell their doctor if
they’re experiencing symptoms.
John Glue had the best news of his life
recently: the advanced cancer growth
that was found in his bowel has been
zapped, and he is in remission.
Almost two years ago, Glue was a
healthy 67-year-old, when he went to his
doctor complaining of spots of blood in
his faeces. He had not long retired from
his job as a senior adviser at MAS. Glue
felt a bit tired, but nothing too out of the
ordinary. The next few months were a
blur. His concerned doctor sent him for
a colonoscopy at Christchurch Hospital,
which confirmed he had late stage
bowel cancer.
“I was shocked because apart from the
occasional show of pink on the paper
01
I had no symptoms otherwise. After
a raft of consultations, exams, x-rays,
CTs and MRIs, I was pronounced to
have stage four mid-rectal cancer. simpler and cheaper treatment process Men are dying of embarrassment
It had spread to my lymph nodes but and better survival prospects than
fortunately had not spread elsewhere.’’ I have now,’’ he says. because they don’t want to show
Christchurch isn’t yet covered by Bowel cancer is our second biggest their tail ends to their doctors.
the bowel cancer national screening killer – one doctors say is beatable if
programme. If Glue had lived in one caught early. In 2015, 3,081 people were
of the few regions carrying out bowel diagnosed with bowel cancer and 1,267 Glue is also alarmed that the national 2017 and successfully screened 117,000.
screening in 60- to 74-year-olds, his died of it. In New Zealand, 40 per cent of bowel screening programme has However, the Ministry says about 15,000
cancer might have been picked up. people die of the disease, compared with been struck by delays and widespread may have missed out. The Government
25 per cent in Australia, where bowel systematic failures, which means that has ordered an independent review
“Had I been screened earlier it is cancer screening has been gradually more than 30 people who should have which is due to be finished in late June.
likely that faecal occult haemoglobin introduced over the decade. been screened slipped through and have
Are we dying from
would have been picked up. An earlier gone on to develop bowel cancer. Bowel In 2008, the former Health Minister
diagnosis would have meant a much After having 37 cms of his bowel and cancer specialists say a free screening David Cunliffe gave the go-ahead for
Embarrassment?
rectum removed, followed by an programme is the single most important nationwide screening, but only 23 per
ileostomy and months of chemotherapy, tool to fight the disease. cent of the eligible population is so
Glue is on a mission to encourage those far covered. Residents in four district
with any hint of symptoms to go and see The Ministry of Health has discovered health boards – Waitemata, Hutt Valley,
a doctor. that many more people than first the Wairarapa, and Southern – are
thought didn’t receive invitations eligible for the faecal immunochemical
“Men are dying of embarrassment for free bowel screening during the screening test (FIT).
Writer Sarah Catherall / Sarah carries a keep cup and says 'no' to plastic straws because they don’t want to show their Waitemata pilot programme. The pilot
tail ends to their doctors,’’ he says. invited almost 200,000 Waitemata
residents between 2011 and January 01 / John Glue, active and in remission >>
20 winter 2018 on mas the magazine for mas members 21G L good living /
travel
A royal Writer Sharon Stephenson /
Sharon is trying to get better at
sighting
saying no to plastic bags in shops
(and remembering to bring her own!)L
P professional life /
student news
Charlotte Kenny Alisdair Eddie Jibi Kunnethedam
Students on
sustainability
Student association presidents discuss
some of the sustainability issues facing their
respective industries and give an update
on the highs and lows of the first quarter
for students across the country.
Charlotte Kenny What has been the highlight? It has been exciting to What has been the biggest challenge for the patients in relation to their associated health conditions is
President / New Zealand Dental Students’ Association welcome our new cohorts into the dental school as well veterinary faculty in the first quarter? For the majority testament to this. I can see our action (or inaction) on climate
as reconnect with old friends at dental social events. We of students it is business as usual, with the dreaded spectre change today determining the ability of our health systems
If you could change one thing to make the dentistry would like to thank MAS for their continued sponsorship, of exams looming in June. For the pre-vets hoping to to serve our purpose in the near future. The Lancet describes
industry more sustainable, what would it be and why? contributing to not only these social events but also our secure a spot in the veterinary programme, the weekend climate change as the biggest global health threat of the
One aspect of dentistry that doesn’t always sit well with me academic endeavours. of 21 and 22 of April would have been exceptionally 21st century; ignoring this sentiment would be funding our
is the amount of plastic waste it produces. As practitioners, challenging. They attended interviews and completed ignorance. Our awareness as future health professionals
the ethical principles of beneficence and non-maleficence numerous other tests and activities that provide input into on this issue is crucial, as proactive stewardship is required
guide our patient-orientated practice. Figuring out how to their application, over and above their grades. At the other for our industry to be prepared in facing the challenges
balance the necessary sanitation and protection guidelines Alisdair Eddie end of the degree, the fifth years are quite a way into their that we will encounter both locally and globally. Waiting to
when administering treatment, while being environmentally President / Massey University Veterinary final year. From the discussions I’ve had with a few of them, be reactive on this issue may overwhelm our capacity to
mindful, is a challenge. But any step towards reducing Students' Association they are relishing the challenges of seeing real veterinary cope. Taking action to be a more sustainable industry and
the environmental impact of disposables used in dental practice, and finally seeing the fruition of four years of addressing climate change is orientating ourselves towards
procedures is a step in the right direction. If you could change one thing to make the veterinary predominantly theory-based learning. improving the health of each and every one of us.
industry more sustainable, what would it be and why?
How do you see issues of sustainability and climate Current veterinarians and our future vets need to find What has been the biggest highlight? It’s always good What has been the biggest challenge for the medical
change affecting the industry? With the increasing ways to minimise our impact on the environment. to end on a positive note. The veterinary programme at faculty in the first quarter? For NZMSA, our biggest
global focus on carbon footprints and sustainable goals, There is already quite a bit of discussion amongst some Massey has once again won worldwide recognition. The challenge in the past quarter has been communicating
the practice of dentistry must be ethical not only in the practitioners about ways to increase sustainability, but school is ranked in the top 25 by QS World University with the new government in regards to the promises
prevention of oral disease and promotion of health, but also not everyone is on board, and at this stage our current subject rankings, which is really good news for our current that were made during the election campaigns of 2017.
in providing accessible and affordable care with minimal curriculum doesn’t address this topic. There definitely student body and will stand us in good stead for our future The Labour Party's promises in regards to abolishing the
environmental impact. To integrate sustainability into the needs to be a change in mindset to bring sustainability prospective careers. student loan cap affecting some of our postgraduate
field of dentistry would require a commitment from not to the forefront of everyone’s operational thinking. students to complete their studies has yet to be
only the profession but all associated stakeholders, such as fulfilled. We are currently awaiting this year’s Budget
governments, researchers, manufacturers and distributors. How do you see issues of sustainability and climate announcement with bated breath, as we hope to see
change affecting the industry? Climate change is Jibi Kunnethedam these promises come to fruition.
What has been the biggest challenge for dentistry impacting farming practices and is important from a President / New Zealand Medical Students' Association
students in the first quarter? The first quarter of the veterinary perspective. Parasites that were unable to thrive in What has been the biggest highlight? Our annual
academic year has flown by, and with it the usual nervous colder areas are now able to move into those regions. There is How do you see issues of sustainability and climate national conference, has once again been a wonderful
anticipation as to what this year will entail. As students also the potential that we may get new disease vectors being change affecting the industry? Climate change and weekend of inspiration and celebration. This event would
piece together their timetables, calendar their course able to move into regions that were previously protected by sustainability are closely intertwined with the healthcare have not been possible without the support of MAS, who
requirements, and get to know their clinical tutors, they their climate. This means both veterinarians and farmers have industry. Our climate and environment shapes our lives were our Diamond sponsors, and the student body are
relax and find their feet for a promising year ahead. to be more vigilant and prepared to tackle novel diseases. and directly impacts our health. The correlation that we see incredibly grateful to MAS for their role in making this
between the lifestyles and environmental exposures of our weekend a success!
26 winter 2018 on mas the magazine for mas members 27P professional life /
mas in the wild
An
Evening
with David
Yarrow
Thousands of MAS Members
turned out in Wellington,
Christchurch and Auckland
to attend An Evening with
01
David Yarrow. The wildlife
photographer inspired
audiences to follow their
passion in life as he talked
about highlights of his career,
which took him from hedge
fund manager to world-
renowned photographer.
03
04
06
01 / David Yarrow and Martin Stokes
02 / Brenda Gibson and Rachael Soylemeloglu
03 / (L-R) David Chote, David Yarrow, Leanne Chote
04 / (L-R) Kieron Wright, Jack Ashby, Dave Borrie, Phil Clark
05 / (L-R) Betris Campbell, Kate Johnson-Lee, Emily Black
06 / Magnus Cheeseman and Ruth Spearing
02 05
28 winter 2018 on mas the magazine for mas members 29L good living /
motoring
Plenty of users agree. YourDrive founder CAR SHARING “The change in behaviour today is that a car
Oscar Ellison says some 600 vehicle owners BY THE NUMBERS is a means of transport, rather than a status
(up from 400 in 2017), and 4,000 drivers symbol. Young people care more about their
have used the service. Users are renting cars phone than their car.”
from owners to fill the niche between public
transport, cycling and an Uber trip. Journeys In Wellington, Erik Zydervelt and his fellow
can be anything from a couple of hours to founders of Mevo, an electric car share
a weekend, or even up to a month. scheme, had seen the positive impact of
sharing when they’d lived in America and
95%
“So far, we've enabled vehicle owners to earn Europe. Their interests in urbanism and
over $500,000 collectively by sharing their conservation overlapped with strategy
idle assets. Like any journey though, it hasn't backgrounds, and they saw similar tech-
been without its bumps in the road,” Ellison focussed early adopters around the city.
says. “It took us two years to get off the
ground, figure out the legal and insurance, time the average car spends idle The company, sponsored by energy
$11bn
on-road support and build the site. company Meridian and launched with help
of the city council and the Energy Efficiency
“I’d studied to be a civil engineer, but was and Conservation Authority, is growing their
always passionate about how we move. I fleet to 50 Audi A3 electric cars. Many of
thought there had to be a better way. The their customers – some 200, with another
average car is used 4 to 5 per cent of the amount the car sharing market 800 expressing interest – are small or large
Wheels
time, meaning for 23 hours a day it’s sitting will surpass by 2024 organisations that share their passion for
7–11
losing value.” sustainability. Their goal is to roll out into
New Zealand’s five biggest cities with 2,000
to rent:
Like others in this sector, Ellison is vehicles by 2023.
enthusiastic about sharing assets that aren’t
being used (“share the love”) to serve a “For every share vehicle like ours, 7 to 11
generation that doesn’t feel the need to private cars removed from vehicles are taken off the roads, which frees
be tied to vehicle ownership. roads by every car share up the roads and parking around the city,”
The future of
40%
Zydervelt says. “Many people grab a car at
His enthusiasm was pre-dated by nearly a the end of the work day, and bring it back
transportation decade by former Auckland City councillor, the next morning, for less than the cost of
Victoria Carter, who founded Cityhop parking for the day. And we offset 120 per
Saving money while reducing The company, which celebrated its third in 2007. When the self-titled "youngest cent of our emissions using permanent
congestion and environmental Writer Catherine Smith / Catherine has birthday in April, had investment from van politician to deliberately retire" was casting less time spent driving after rainforest credits from the South Island.”
impact, the alternatives to kept a conscious wardrobe for four years, rental company Jucy in late 2016 to help around for a new business, she spotted the joining a car share
traditional car ownership in sewing and upcycling secondhand garments it expand into tourism. Cars in the system nascent car share business in Australia. While New Zealanders bought the most
New Zealand are growing. and buying nothing new range from ‘experience’ vehicles like a 1967 new cars ever in 2017, automotive
Ford Falcon or a cool Tesla Model S to more The model of rental cars are dotted about companies are taking an interest in sharing
After an unhelpful experience with a rental prosaic moving vans or station wagons for the city (in ‘pods’), accessed by borrowers technology. Toyota’s local finance arm has
car company, Auckland-based American loading up. using an app on their phone, hasn’t changed, invested hundreds of thousands of dollars in
student Howard Hughes switched to the but Carter laughs at the pre-smartphone Mindkin, a local vehicle sharing technology
peer-to-peer car sharing service YourDrive. Particularly appealing to Hughes and his technology her company built from scratch company, citing "new mobility services" as
He found it a handy way to get around, friends was that YourDrive connects users for those first years. Cityhop now offers 80 a way to deal with problems of increasingly
connecting with locals who rent their and hosts (car owners) directly. Each party cars to some 2,500 drivers in Auckland and scarce and expensive roads and carparks.
vehicles to users of the YourDrive app. sees and rates the other, there are a variety Wellington, including the first fully electric
of vehicles to choose from and issues can vehicles. Many companies request pods at “More than talking about autonomous
“I’m studying in Auckland and my friends be handled immediately. their offices to replace or supplement the vehicles, we should be talking about
and I like to get out of the city during the company car fleet, with vehicles available redefining the ways cities move,” says
weekends, and it’s hard to do that without a “It’s nice to deal with a person, rather than to other users in the area too. Mevo’s Zydervelt. “This is the important
car,” he says. “Renting the car for only the day a whole company, to sort any problem that field of business leadership, to contribute
can be quite difficult to do with conventional arises,” he says. “It’s an affordable alternative “The flash word now is ‘collaborative to reversing climate change.”
car rental. I don’t think Uber or a taxi could to full car ownership, since you are only consumption’, which is actually what our
give us the freedom that we wanted.” paying when you use the car.” great-grandparents did: sharing,” says Carter.
30 winter 2018 on mas the magazine for mas members 31L good living /
food + drink
NATURAL WINE Natural wine took off in Gillett says natural wines of close to 20. “It feels like Ruffell says New Zealand
is produced with minimal France in the late 1990s and appealed to him on an ethical a natural progression to produces amazing wines
chemical or technological spread across Europe and Two to try level, being able to work move into producing wines but they can be “straight
intervention using wild, America, eventually hitting with winemakers who farm within our Wild Workshop. and traditional”.
natural yeasts that Australia and New Zealand. 2017 HERMIT RAM their own grapes and make We are using the same wild
Adventurous winemakers are conventional winemakers Dan Gillett of natural wine MUSCAT BLANC their own wine in an honest, spontaneous fermentation “Our aim is to produce
creating funky, unique and would run a mile from, import and distribution Organically farmed, hand authentic way. techniques as we are for wine in new and hopefully
experimental wines by embracing due to their unpredictable business Wine Diamonds picked then lightly skin- our beers, and also pushing exciting ways that spark a
hands-off winemaking techniques. nature. Grapes are organic says we’re between five and fermented Muscat Blanc “Then I found the wines the boundaries of what conversation and let people
Wild
or biodynamically grown and eight years behind Australia, à Petit Grains from the offered a much wider flavour conventional winemakers experience something they
left to spontaneously ferment, but the growth in natural limestone-rich soils of and taste spectrum. Nothing would be comfortable with.” haven’t before.”
then bottled unfiltered and wine here, and globally, North Canterbury. Light else came close and once you
unrefined without adding has been “incredible”. and ethereal on the palate, get started it’s really hard
yeasts, acids or enzymes. beautifully floral and to stop.”
“Though some people see aromatic on the nose.
wine
This hands-off approach it as a trend, it’s more about Only 100L produced! And consumers agree. “The
produces unexpected, unique returning to how wines were response has been incredibly
results, not usually found always made, respecting the 2017 KINDELI quick and strong and it seems
through conventional modern land, and producing wines LA ZORRA once people catch ‘the bug’
winemaking. It’s a high-risk, that represent time and place.” CHARDONNAY they never go back,” he says.
high-reward game, with the Organically farmed, hand
best offering something totally picked and fermented in Craft brewery Garage Project
unique and utterly delicious. >> a combination of amphora has established Crushed,
and old French oak, this is an urban winery in their
a linear, precise, toothsome Wild Workshop in Wellington,
Chardonnay from Moutere’s in partnership with
clay soils in Nelson. Think winemaker Alex Craighead
06 07
Chardonnay without the from Kindeli Wines.
usual oak influence.
Garage Project co-founder
01
Jos Ruffell has released four
ad d itives wines so far and production
no for 2018 will see the release
sulphate
-free
02 08
WINE & FOOD
05
Festivals
Winter hosts a range of food festivals around the country.
Auckland Restaurant Month is on throughout August, while
Visa Wellington On a Plate (07) is celebrating its 10th year –
serving up a range of delicious events, dine menus and,
03 01 / Devil's Punch Bowl of course, the famous burger competition. Hawke’s Bay’s
02 / Sacrilege Chardonnay
Food and Wine Classic winter edition (08) is on now till
03 / BubblePipe
ic
24 June, with more than 60 events, while New Plymouth
or gan 04
04 / Fun Juice, all by Garage Project
05 / Kindeli La Zorra Chardonnay
06 / Hermit Ram Muscat Blanc
has launched the inaugural FEASTival – Taranaki Restaurant
Week, which will run from 5–10 June.
32 winter 2018 on mas the magazine for mas members 33L
of an ingredient, we compost.
We also have six worm farms
and we sort our recycling
In season
streams so that we also recycle TAMARILLOS, or tree tomatoes, are native to South
soft plastics and polystyrene. America. The name tamarillo was created by the New
Another important part is that Zealand Tree Tomato Promotions Council in the late
our suppliers know we prefer 1960s to avoid confusion with common tomatoes. ‘Tama’
certain kinds of packaging too. implies leadership in Māori while ‘rillo’ is thought to be
from the Spanish for yellow: ‘amarillo’. These days the
Why have you chosen to focus ruby red variety are most common and plentiful during
Quick Qs on serving locally-sourced the winter months. They are high in potassium and
food, simply prepared? a source of vitamins A, B6 and C.
Laura Verner runs Food that is grown by people
Auckland restaurant who care and are nearby is MACERATE by piercing the skin and submerging in
Pasture with her great, because it will always boiling water to remove the skin, then slice and mix
partner Ed. Laura taste better. Small-scale with brown sugar and vanilla.
tells OnMAS about producers are more intimately
their commitment to connected to what they grow MAKE A SALAD with skinned, sliced tamarillos,
sustainability in their and the quality of it. Local also finely sliced fennel, and greens, tossed with vinaigrette.
small independent inherently means seasonal and
restaurant. with minimal handling. Preparing
food simply means we try to
What is your philosophy at focus on deliciousness first, and
Pasture? We opened Pasture we use a lot of techniques but
to express our favourite things we don’t hide behind garnishes
about dining and as a vessel and unnecessary flavours.
for our values. We believe in
serving one menu because it How has this ethos been
allows us to be seasonal and received by your customers?
curate a series of dishes that are Very well. So many people have
connected. It also minimises remarked that they can taste
01
waste and allows us to be how we don’t use sugar and
conscious in designing our they find our flavour profiles
dishes. Pasture is meant to be a so surprising and unusual.
fun, adventurous and personal We are always trying to create
dining experience. A lot of experiences that are delicious,
people tell us they feel like they but it’s also great when
Every discount counts.
walked into our home, and that something can be innovative
shows us that for those diners, and very tasty!
we got it right.
How important is
sustainability to you in 03
Special MAS member rate of 6.95% p.a. on personal vehicle finance*
running your restaurant?
It is integral. We serve one and a special rate of 6.95% p.a. on business equipment finance†.
menu so that we can order
and prepare precisely. We use Talk to our dedicated team today on 0800 627 722.
whole animals and choose
02
only certain kinds of seafood
*Subject to change throughout the life of the loan.
that is line caught. We ferment †
Fixed terms 1-5 years.
and preserve and find ways Available to MAS Members for personal vehicle and business equipment purchases only. MAS receives a commission from Westpac upon the
to use as much as possible of drawdown of any new loan. Interest rate current as at 1 November 2017 and subject to change without notice. Lending criteria, terms, conditions,
01 / Aged New Zealand Wagyu at Pasture fees and charges apply.
an ingredient. We also work 02 / Drinks at Pasture
seasonally. What we cannot use 03 / Ed Verner making sourdough Westpac New Zealand Limited.
JN14432-1 05-18
34 winter 2018You can also read
