[vc_row full_width=”stretch_row_content” full_height=”yes” equal_height=”yes” content_placement=”middle” css_animation=”fadeIn” css=”.vc_custom_1586397131941{padding-top: 150px !important;padding-right: 60px !important;padding-left: 60px !important;}” el_class=”hero-reveal-subpage covid19-hero”][vc_column css_animation=”none” width=”1/3″][vc_column_text css=”.vc_custom_1585116542735{margin-bottom: 25px !important;}”]

We answer your questions about Covid-19 in South Waikato

[/vc_column_text][/vc_column][vc_column css_animation=”none” width=”1/3″][interactive_banner_2 banner_title=”Businesses” banner_image=”id^4208|url^https://swnz.co/wp-content/uploads/COVID-19-business-impact-in-South-Waikato-New-Zealand.jpg|caption^null|alt^null|title^COVID-19 business impact in South Waikato – New Zealand|description^null” banner_link=”url:%23business|title:How%20COVID-19%20affects%20business%3F||” banner_style=”style13″ el_class=”covid-scroll” image_opacity=”1″ image_opacity_on_hover=”1″ css_ib2=”.vc_custom_1585121402583{margin-bottom: 50px !important;}”][/vc_column][vc_column width=”1/3″][interactive_banner_2 banner_title=”Individuals” banner_image=”id^4209|url^https://swnz.co/wp-content/uploads/COVID-19-individual-impact-in-South-Waikato-New-Zealand.jpg|caption^null|alt^null|title^COVID-19 individual impact in South Waikato – New Zealand|description^null” banner_link=”url:%23individuals|title:How%20Covid-19%20affects%20individuals%3F||” banner_style=”style13″ el_class=”covid-scroll” image_opacity=”1″ image_opacity_on_hover=”1″ css_ib2=”.vc_custom_1585121407565{margin-bottom: 50px !important;}”][/vc_column][/vc_row][vc_section full_width=”stretch_row” css=”.vc_custom_1585119670117{margin-top: 100px !important;margin-bottom: 100px !important;}”][vc_row full_width=”stretch_row_content” el_class=”heading-row” el_id=”business”][vc_column width=”2/3″][vc_column_text css=”.vc_custom_1585117631002{margin-bottom: 25px !important;}”]

FAQ’s about how Covid-19 affects business.

[/vc_column_text][vc_tta_accordion shape=”square” c_position=”right” active_section=”” collapsible_all=”true” el_class=”fc-faq-accordion”][vc_tta_section title=”Covid-19 Business Support” tab_id=”1585609691343-561e115c-8928″][vc_column_text css=”.vc_custom_1629435710472{margin-bottom: 30px !important;}”]How can Te Waka support my business during lockdown? [/vc_column_text]Learn More[vc_separator css=”.vc_custom_1585118114767{margin-top: 50px !important;margin-bottom: 50px !important;}”][/vc_tta_section][vc_tta_section title=”Employment Advice” tab_id=”1629435562335-cc7e60e6-e291″][vc_column_text css=”.vc_custom_1585609723717{margin-bottom: 30px !important;}”]

I’m an employer. Where can I download COVID-19 Wage Subsidy and Leave Application Forms from?

[/vc_column_text]Learn More[vc_separator css=”.vc_custom_1585118114767{margin-top: 50px !important;margin-bottom: 50px !important;}”][vc_column_text css=”.vc_custom_1585609775559{margin-bottom: 30px !important;}”]I’m self-employed. Where can I download COVID-19 Wage Subsidy and Leave Application Forms from?[/vc_column_text]Learn More[/vc_tta_section][vc_tta_section title=”Wellbeing Support” tab_id=”1585271964563-c206c54c-77d0″][vc_column_text css=”.vc_custom_1585272155016{margin-bottom: 30px !important;}”]How do infections spread and what are some of the steps I can take to help prevent this?[/vc_column_text][vc_column_text css=”.vc_custom_1585272166216{margin-bottom: 20px !important;}”]By understanding about how people can catch an infectious diseases, you can then take effective action to preventing their spread.[/vc_column_text]Learn More[vc_separator css=”.vc_custom_1585118114767{margin-top: 50px !important;margin-bottom: 50px !important;}”][vc_column_text css=”.vc_custom_1585272233177{margin-bottom: 30px !important;}”]How does Covid-19 affect my Worksafe planning?[/vc_column_text][vc_column_text css=”.vc_custom_1585272242101{margin-bottom: 20px !important;}”]The emergence of COVID-19 across the globe has created a new work health and safety risk that businesses need to manage. [/vc_column_text]Learn More[vc_separator css=”.vc_custom_1585118114767{margin-top: 50px !important;margin-bottom: 50px !important;}”][vc_column_text css=”.vc_custom_1585272294150{margin-bottom: 30px !important;}”]My team is now working from home. How can I ensure productivity remains as high as possible?[/vc_column_text][vc_column_text css=”.vc_custom_1585272304389{margin-bottom: 20px !important;}”]Here are tips on how to make an effective remote work policy.[/vc_column_text]Learn More[vc_separator css=”.vc_custom_1585118114767{margin-top: 50px !important;margin-bottom: 50px !important;}”][vc_column_text css=”.vc_custom_1585272343481{margin-bottom: 30px !important;}”]How can I help to look after my teams’ mental wellbeing during this stressful time?[/vc_column_text][vc_column_text css=”.vc_custom_1585272355196{margin-bottom: 20px !important;}”]In times like these we need practical, actionable ways of coping with stress, fear and anxiety. (Link to Ten percent happier sanity guide).[/vc_column_text]Learn More[vc_separator css=”.vc_custom_1585118114767{margin-top: 50px !important;margin-bottom: 50px !important;}”][vc_column_text css=”.vc_custom_1586826210491{margin-bottom: 30px !important;}”]I’m a Xero customer. Do they provide free on-line help that I can get for my mental health?[/vc_column_text][vc_column_text css=”.vc_custom_1586396799818{margin-bottom: 20px !important;}”]The Xero Assistance Programme (XAP) pilot provides free and confidential mental health support  to all of their starter, standard and premium plan subscribers in New Zealand, and their employees and families.[/vc_column_text]Learn More[/vc_tta_section][vc_tta_section title=”Accessing a Business Support Advisor” tab_id=”1585785639966-cfb05a51-51d3″][vc_column_text css=”.vc_custom_1585785662528{margin-bottom: 30px !important;}”]

How can I connect with experts to help me get my business through Covid-19?

[/vc_column_text][vc_column_text css=”.vc_custom_1585785671252{margin-bottom: 20px !important;}”]The Regional Business Partners website will link you to the right people and information, at the right time, to help your business grow successfully.[/vc_column_text]Learn More[/vc_tta_section][vc_tta_section title=”FAQ’s” tab_id=”1585271959896-772be617-2711″][vc_column_text css=”.vc_custom_1585272407766{margin-bottom: 30px !important;}”]What steps can I put in place to help my business get back up and running after the lockdown?[/vc_column_text][vc_column_text css=”.vc_custom_1585272420129{margin-bottom: 20px !important;}”]Continuity and contingency planning is about being prepared for all types of disruptions and quickly getting back on your feet. Use this step by step guide to help get things sorted.[/vc_column_text]Learn More[vc_separator css=”.vc_custom_1585118114767{margin-top: 50px !important;margin-bottom: 50px !important;}”][vc_column_text css=”.vc_custom_1585610800137{margin-bottom: 30px !important;}”]I’m thinking of moving my business data online so that my accounts team can continue to function during the lockdown. What are my options?[/vc_column_text][vc_column_text css=”.vc_custom_1585610907245{margin-bottom: 20px !important;}”]With Covid-19 making businesses work remotely, now may be the time to move your data on-line so it can be easily accessed by members of your team. There are several options available to help you create a collaborative online working environment. These include: G-suite Google; Office 360 and Trello.[/vc_column_text][vc_separator css=”.vc_custom_1585118114767{margin-top: 50px !important;margin-bottom: 50px !important;}”][vc_column_text css=”.vc_custom_1585610936117{margin-bottom: 30px !important;}”]My physical business premises are closed over Lockdown, so I’m thinking of selling my products or services online. What are my options?[/vc_column_text][vc_column_text css=”.vc_custom_1585611023938{margin-bottom: 20px !important;}”]Depending on the nature of your business, the following sites allow you build a website or upgrade your existing site so you can continue selling your products or services online: WIX; Squarespace; Shopify and WooCommerce.[/vc_column_text][vc_separator css=”.vc_custom_1585118114767{margin-top: 50px !important;margin-bottom: 50px !important;}”][vc_column_text css=”.vc_custom_1585611053769{margin-bottom: 30px !important;}”]My team need to keep in touch, and doing everything via email email or the phone isn’t always an option. How can I hold virtual meetings?[/vc_column_text][vc_column_text css=”.vc_custom_1585611095880{margin-bottom: 20px !important;}”]You can hold virtual meetings with staff, clients or a mix of both anywhere in the world. Two easy-to-set-up options are Zoom and Skype.[/vc_column_text][vc_separator css=”.vc_custom_1585118114767{margin-top: 50px !important;margin-bottom: 50px !important;}”][vc_column_text css=”.vc_custom_1586826281645{margin-bottom: 30px !important;}”]I think my business won’t survive the lockdown. I have been operating for three years. What can I do to wind the business down?[/vc_column_text][vc_column_text css=”.vc_custom_1586828147532{margin-bottom: 20px !important;}”]The answer in part depends on the structure of the business, and how strong the financial position is right now.

For example, if it is a Company there is formal process to walk through, following the ‘Companies Act’ and being mindful of responsibilities as a Director.

There are some legal responsibilities around Companies that mean they really would expect they seek advice either from a lawyer or accountant.

However, if right now your balance sheet is OK – for example, let’s consider you are a small partnership or sole trader that can comfortably pay all the creditors on time, has cash in the bank, and the overall business debt doesn’t outweigh the business assets, then an example of action points may be:

  • FIRST putting together a cashflow forecast until end of year. Base it on perhaps not trading until end of year to see what the position will look like at that point;
  • Is there a way to minimise all costs/put them on hold until you can trade again? Ensure that it doesn’t go backwards, or into the negative?
  • Things to consider:
      • Talk to your Landlord. Ask for a rent holiday, or reduction from landlord to get you through;
      • Apply for wage subsidy, for you and employees. If you cannot continue to pay them normally or at least 80% under the subsidy, then see if you can negotiate with the staff to agree to being on ‘hold’ by just passing onto them the subsidy of $585.80 gross while they cannot work;
      • Talk to your advisor or IRD around deferring taxes/putting them on instalment plan with IRD. There is some support available at the IRD right now;
      • Deferring any maintenance unless absolutely necessary;
      • Consider selling (when possible) any unnecessary assets to cover costs;
      • Establish what other fixed costs you can reduce.
  • If you can potentially ‘trade through’ but will go a little backwards, then it is still perhaps worth talking to the bank. They currently have some extra government backing, which means they can in some instances fund some small to medium businesses, to get through this.

However, it is important to note, that if you were struggling or not in a good position financially BEFORE CV-19, then banks wont be much help.

If you cannot trade out of this, or don’t want to… then the cashflow forecast is still useful, as you can plan what the windup costs will be and get an idea of how much you need to set aside – for example to settle the lease, pay out employees and pay off any debts.

For all of the above, if you are out of your depth with the cash-flow forecast or any other aspects of managing the costs of closing down…then its important to get advice from your own accountant or professional advisor for your situation.[/vc_column_text][vc_separator css=”.vc_custom_1585118114767{margin-top: 50px !important;margin-bottom: 50px !important;}”][vc_column_text css=”.vc_custom_1587444562605{margin-bottom: 30px !important;}”]I run a business in the hospitality industry. Will I be able to re-open when New Zealand moves to Alert Level 3?[/vc_column_text][vc_column_text css=”.vc_custom_1587444573605{margin-bottom: 20px !important;}”]The government has announced that the level 3 alert system will allow the reopening of hospitality establishments through restricted takeaway services.[/vc_column_text]Learn More[/vc_tta_section][/vc_tta_accordion][vc_empty_space height=”100px”][vc_column_text css=”.vc_custom_1585517797273{margin-bottom: 25px !important;}” el_id=”individuals”]

FAQ’s about how Covid-19 affects individuals.

[/vc_column_text][vc_tta_accordion shape=”square” c_position=”right” active_section=”” collapsible_all=”true” el_class=”fc-faq-accordion”][vc_tta_section title=”Rent Advice” tab_id=”1585272687434-4a44a5c5-f98b”][vc_column_text css=”.vc_custom_1585272741597{margin-bottom: 30px !important;}”]I’m having trouble paying my rent. What are my options?[/vc_column_text][vc_column_text css=”.vc_custom_1585272749617{margin-bottom: 20px !important;}”]Due to loss of employment income, some tenants may experience issues paying their rent.[/vc_column_text]Learn More[vc_separator css=”.vc_custom_1585118114767{margin-top: 50px !important;margin-bottom: 50px !important;}”][vc_column_text css=”.vc_custom_1585273139391{margin-bottom: 30px !important;}”]My landlord is not letting me move into the rental property, because of where I’ve travelled from. What should I do?[/vc_column_text][vc_column_text css=”.vc_custom_1585273148554{margin-bottom: 20px !important;}”]Discrimination against prospective tenants or tenants is unlawful under tenancy law when it breaches the Human Rights Act.[/vc_column_text]Learn More[vc_separator css=”.vc_custom_1585118114767{margin-top: 50px !important;margin-bottom: 50px !important;}”][vc_column_text css=”.vc_custom_1585273182458{margin-bottom: 30px !important;}”]I’m a tenant is self-isolation. Who do I need to tell?[/vc_column_text][vc_column_text css=”.vc_custom_1585273196266{margin-bottom: 20px !important;}”]Tenants should let their landlord know if they are self-isolating or sick with COVID-19, especially if the landlord plans to visit or enter the rental. [/vc_column_text]Learn More[vc_separator css=”.vc_custom_1585118114767{margin-top: 50px !important;margin-bottom: 50px !important;}”][vc_column_text css=”.vc_custom_1585273233655{margin-bottom: 30px !important;}”]Due to Covid-19 I’m no longer able to move into my new rental property or I need to ned my tenancy. What are my options?[/vc_column_text][vc_column_text css=”.vc_custom_1585273241634{margin-bottom: 20px !important;}”]The Residential Tenancies Act 1986 (the Act) applies to current tenancies and prospective tenancies. The Act can also apply even if a written tenancy agreement is not in place. This includes situations where the tenant has:[/vc_column_text]Learn More[/vc_tta_section][vc_tta_section title=”Advice on Benefits” tab_id=”1585611287365-ae8e2825-7c2b”][vc_column_text css=”.vc_custom_1585611332208{margin-bottom: 30px !important;}”]I don’t work in an essential industry. What support packages are available to me during the Lockdown?[/vc_column_text][vc_column_text css=”.vc_custom_1585611340531{margin-bottom: 20px !important;}”]If you’ve been affected by COVID-19, Work and Income may be able to provide financial support. You may be self-isolating at home, or your work may be affected.[/vc_column_text]Learn More[/vc_tta_section][vc_tta_section title=”Wellbeing Support” tab_id=”1585611359734-b2c1d4ec-6223″][vc_column_text css=”.vc_custom_1585611382692{margin-bottom: 30px !important;}”]Where can I find the latest from the Government about COVID-19, what it’s doing about it, and the steps I can play my part in helping to slow its spread?[/vc_column_text][vc_column_text css=”.vc_custom_1585611396148{margin-bottom: 20px !important;}”]Here’s where you’ll find everything you need to know about COVID-19 in one place. Learn the simple steps you can take to unite against the virus and slow its spread. Find out what help is available and get the latest updates.[/vc_column_text]Learn More[/vc_tta_section][/vc_tta_accordion][vc_empty_space height=”100px”][/vc_column][vc_column width=”1/3″][vc_column_text css=”.vc_custom_1585120807782{margin-bottom: 25px !important;}” el_class=”green-highlight-text”]Ask Us a Question[/vc_column_text][vc_column_text css=”.vc_custom_1585120756913{margin-bottom: 25px !important;}”]

COVID-19 Form
Updates on COVID-19
[/vc_column_text][/vc_column][/vc_row][/vc_section][vc_section full_width=”stretch_row” css=”.vc_custom_1585612863077{margin-top: 100px !important;margin-bottom: 100px !important;}”][vc_row full_width=”stretch_row_content”][vc_column width=”2/3″][vc_column_text css=”.vc_custom_1585612619246{margin-bottom: 25px !important;}”]

Businesses we’re working with to help you through Covid-19

[/vc_column_text][/vc_column][vc_column width=”1/3″][/vc_column][/vc_row][vc_row full_width=”stretch_row_content” css=”.vc_custom_1585613062199{padding-top: 30px !important;}”][vc_column][ultimate_carousel slides_on_desk=”4″ speed=”900″ autoplay_speed=”3000″ arrows=”off” dots_color=”#006e96″][vc_single_image image=”4525″ img_size=”full” alignment=”center” onclick=”custom_link” img_link_target=”_blank” image_hovers=”false” link=”https://www.cbservices.co.nz/”][vc_single_image image=”4526″ img_size=”full” alignment=”center” onclick=”custom_link” img_link_target=”_blank” image_hovers=”false” link=”https://www.ema.co.nz/Pages/Home.aspx”][vc_single_image image=”4527″ img_size=”full” alignment=”center” onclick=”custom_link” img_link_target=”_blank” image_hovers=”false” link=”https://www.hollyblairaccounting.com/”][vc_single_image image=”4528″ img_size=”full” alignment=”center” onclick=”custom_link” img_link_target=”_blank” image_hovers=”false” link=”http://www.nll.co.nz/”][vc_single_image image=”4529″ img_size=”full” alignment=”center” onclick=”custom_link” img_link_target=”_blank” image_hovers=”false” link=”https://www.matley.co.nz/”][vc_single_image image=”4531″ img_size=”full” alignment=”center” onclick=”custom_link” img_link_target=”_blank” image_hovers=”false” link=”https://www.grahambrown.co.nz/”][/ultimate_carousel][/vc_column][/vc_row][/vc_section]