Large town of Timaru then south Canterbury in the South Island services and extensive agricultural sector and a large forestry sector, and has a number of very interesting Industries as well. The town has being very careful over the decades to plant and nurture a very significant stand of trees throughout the city including and most streets and it all parks and public spaces, plus there is a large number of trees growing throughout the region alongside the roading network and on farms and other private properties.
The large number of trees in the town and the environs are a testament to the wisdom of the early founding fathers, and the residents of today can be eternally grateful for this even though they may take the existence of the trees for granted. In almost all cases the trees are a real asset for the people living around the trees and for the citizens who move around the town. The trees provide a very common and pleasant environment for everybody, and are in fact an essential component of their mental and physical health and wellbeing of the town citizens.
It is not often considered but a very important lol in the town is that of the humble crust, who must maintain all the trees so that they stay healthy, look healthy and are at all times safe both from harming humans and from harming any infrastructure such as power, wise buildings, fences and roads for example. The arborists in Timaru have a very large job but a very important job that requires a high degree of skill in the use of dangerous machinery and in the particular techniques required for maintaining the many varieties of trees in the town. The town council is a very large customer of the arborist industry, simply because they are the most trees and they have the most to lose if the trees get too large or too dangerous, and the council will generally have it’s preferred go to arborists that they work with mostly.
For the average homeowner they may only need an arborist rarely, and so they will need to search for one on the Internet, most probably using the search term arborist Timaru. They will have a lot to choose from, but if the work required is fairly simple then they can pretty well choose many arborist. However if they require to do work on a tree that is close to a house or a fence or a road or powerwise then they should choose their arborist carefully and make certain that they have the experience in the skills and reputation to do the job safely and efficiently.
Arborists are lucky in one respect in that their work is so obviously dangerous to the casual observer that almost all homeowners will employ an arborist rather than do even their own simple work on pruning a tree for it sample. Arborists are always grateful that their customers are generally afraid of heights and afraid of having trees fall on them.
An important member of every building team was the builders labourer. In the past labourer was generally the unqualified unskilled workhorse that performed the hard physical labour necessary for building projects of the time. Labourers were generally treated poorly simply because they needed the work and there were plenty of strong men also in the same situation. Typically the builders labourers with picked on a daily basis from a pool of potential workers, and they would not know from one day to the next whether they had work and income.
Builders Wellington still working these types of conditions in many countries overseas, and more often than not they are abused, they are confined to low-cost substandard housing during the project, they are paid poorly and the work is often very dangerous. This is particularly so for high rise projects in Middle Eastern and other countries, were they building labourers a little more than slaves.
Fortunately in New Zealand our labour laws have made for a much better situation for the building labourer, who is typically a semi skilled fit and smart individual that is trying to get qualified as a fully fledged builder. Under New Zealand labour laws these workers, almost always young fit men, have to be well trained and all the site safety practices plus they need to be given all the safety equipment necessary to work on site.
Modern building sites and in particular high rise construction sites are exceedingly complex in the operation, and the building labourers need to be trained to deal in this complexity and to operate safely at all times. As a building labourer they will gain valuable work experience and valuable references for future work, and in current the New Zealand building boom these labourers have little problem picking up new work once any project has finished.
The work the labourers do will definitely include the more menial tasks that labourers expect, but will also include tasks with a degree of skill and knowledge as required. These might include assisting with the erection of concrete formwork, assisting with the placement of reinforcing Steel, assisting with the erection of scaffolding and safety equipment and assisting with the safe movement of heavy materials around the site using heavy lifting equipment. At all times the building labourer will be under careful supervision buy a skilled Foreman on the site, and their finished work will be closely checked, but this will not prevent the labourer from operating efficiently and providing serious value to the project.
The mortgage broking sector in New Zealand was so far different animal then in 2010 when the government begin the process of regulating the sector. The new years preceding 2010, particularly in the latter half of the property boom that ended in 2008, the mortgage broking sector was a bit like the wild west. There was a property been going on, there were literally thousands of small time Mum and Dad investors wanting to get me a piece of the action in terms of rental properties and developments, and there was a large amount of money floating around ready to be loaned out to investors.
The mum and dad investors were in general naive and greedy, and many if not most of them we’re getting their information from property investment seminars and so called investment Gurus. These investment seminars and Gurus were fertile ground for Property Brokers with property to sell and for mortgage brokers with mortgages to lend. A lot of the amateur investors we’re getting involved in property development, and some of the banks were sensibly wary about this. Second and third tier lenders came to the party, obviously seeking higher interest rates than the banks would because the investments were riskier. There were a lot of mortgage brokers around this time who were heavily promoting these lenders and doing everything they could to persuade investors to invest. The world financial crash at the end of 2008 pretty much took care of all of that, and a lot of investors were bankrupted and worse, and a lot of mortgage brokers were left with very difficult questions to answer from the lenders that they had set up for huge financial losses.
The government regulations in 2012 pretty much put a stop to the whole process, by forcing mortgage brokers to become qualified including passing very difficult financial examinations, and forcing them to have a recognised complaints process and the organisation and to be part of a recognised dispute resolution process. The immediate effect of this was to confront or mortgage brokers with the possibility that they could be sued and worse by their clients and by their lenders if they were going to have been incompetent or corrupt in the way they carried out their business. Coupled with the difficulty of studying for and passing the new examinations, many mortgage brokers just simply decided it was too difficult and risky to stay in the business.
The end result is that in 2017 virtually all of the cowboy mortgage brokers have left the Industry, and the sector is now largely very competent and operating an unethical and customer focused manner.