(Photo: Getty Images)
(Photo: Getty Images)

MoneyFebruary 18, 2021

Who is eligible for the Covid-19 Resurgence Support Payment?

(Photo: Getty Images)
(Photo: Getty Images)

All you need to know about the government’s latest support package for businesses and sole traders affected by the rise in alert levels.

What’s all this then?

In response to the current – and possibly future – increases in alert levels, the government has introduced a financial support package for affected businesses. Called the Resurgence Support Payment, it was first announced last December as part of preparations for another community outbreak of Covid-19 which resulted in any part of the country going above level one for seven days or more.

Originally it required affected businesses to show a 30% drop in revenue over a 14-day period due to a change in alert levels in order to be eligible. However, due to the sudden shock of the most recent three days Auckland spent at level three, the government has tweaked the rules to allow businesses to show a revenue drop over seven days only.

While Auckland was only in level three for three days, it’s also going to be in level two until Monday, February 22 – a total seven days – so the payment applies. However, even though the rest of the country has already moved to level one, the government has decided that eligible businesses across New Zealand will be able to access the support this time around due to the financial toll Auckland’s lockdown took on the rest of the country.

How does the RSP work?

The Resurgence Support Payment is designed to help businesses cover expenses such as wages and one-off costs over the time they weren’t able to operate at full capacity or at all.

An alternative to the wage subsidy, the Resurgence Support Payment is likely to be a regular tool in the government’s arsenal to deploy in the event of sharp financial hits to businesses due to short-term increases in alert levels.

For this increase, applications can be made from Tuesday, February 23 through myIR on the IRD website. Applications will remain open for one month after the return to alert level one.

Most applicants will see the payment in their chosen bank accounts within five working days of their application being approved. The payment is not subject to income tax.

Most importantly, who can get it?

According to the IRD, any business or organisation that has “experienced at least a 30% drop in revenue or 30% decline in capital-raising ability over a seven-day period at the raised alert level, compared with a typical seven-day revenue period in the six weeks prior to the increase from alert level one.”

So if in the six weeks prior to Monday, February 15 you made $6000 a week on average, and the week of the raised alert levels you made only $3000, then your revenue is down 50% and therefore you qualify for the RSP.

The 30% decline in capital-raising ability is included for new businesses that aren’t earning revenue but are raising money to get going nonetheless.

In order to qualify, businesses and organisations must have been in business for at least six months. They must also be considered viable or ongoing.

And yes, according to the IRD, charities, NGOs, sole traders and self-employed contractors will be eligible to apply for the RSP, provided they meet the revenue criteria and are 18 years old at the time of applying.

Seasonal businesses can also apply, but they would compare revenue during the week of higher alert levels with a seven-day period in a similar period of their business cycle, rather than the past six weeks.

Even more importantly, how much can I get?

An eligible business can get $1500 plus $400 per employee, up to a total of 50 full-time employees, to a maximum of $21,500. For businesses with low revenue, the payment will be capped at four times the actual revenue drop experienced by the applicant. Therefore the size of the payment all depends on how big your company is and how much money you lost.

Employees working 20 hours or more per week are considered full time. Sole traders can receive a payment of up to $1,900.

Keep going!
Steph Matuktu and a stalker. Photo: Supplied
Steph Matuktu and a stalker. Photo: Supplied

MoneyFebruary 14, 2021

Inside the seedy, succulent world of online houseplant obsessives

Steph Matuktu and a stalker. Photo: Supplied
Steph Matuktu and a stalker. Photo: Supplied

Houseplants have become celebrities, commanding huge fees, bitterly fought over in digital marketplaces. Domestic foliage addict Steph Matuku dishes the dirt.

I am writing this surrounded by a fittonia, two monsteras, three dracaenas and a golden pothos. If you know what I’m talking about, congratulations, you are my people. If you don’t, where on earth have you been?

Covid-19 spawned a lot of new and exciting trends – especially in lands that aren’t Aotearoa, where half-hearted lockdowns have been longer and more frequent, and people are stuck at home with nothing to do other than make TikTok videos and plan insurrections. Mental health issues such as depression and agoraphobia have skyrocketed, heralding a massive, massive surge of interest in houseplants. They’re pretty, they’re responsive, they improve air quality, and they’ll provide a little taste of nature without one ever having to brave the germ-ridden, angst-laden atmosphere of The Great Outdoors.

No longer are they to be shoved on top of the fridge and forgotten until their leaves are as dusty and withered as Judith Collins’ opinions of women’s rights on the marae. House plants have become celebrities, commanding huge fees, bitterly fought over on Trade Me, featured on the front page of Reddit and fawned over in hundreds of Facebook groups. Just look up the houseplants hashtag on Instagram. Now look up how many followers you have. Plants – lifeforms without a brain – are more popular than you’ll ever be. Sorry. 

Plant people assign genders, names and personality traits to their plants. They gather their plants and pets together to take group family photos. They debate the advantages of one potting mix over another, feverishly swapping recipes containing freshly dug imitation peat moss, shredded organic bark fibre, and coarse river sand untouched by human hands, because the brand name mixes just aren’t good enough. They flagellate themselves with grief and guilt if a leaf tip turns yellow, and buy celebratory cake if a new bud emerges. They embark on massive DIY craft projects, transforming Ikea bookshelves into stylish, indoor glass greenhouses with grow lights and heaters and misters and humidifiers, specifically for their finicky drama queens. They post pictures of cracked pots and tangled plant roots, tagging them lovingly as “#rootporn”.

Their plants are their babies – coddled and adored – especially by Americans for whom having a real baby means being fleeced and bankrupted by medical and education expenses from pre-birth until the day they die. Fears of imminent, indiscriminate death by pandemic have given them the urge to nurture a life they can to a large extent, control. And where America goes, so our influencers follow, posting multi-filtered glamour snaps of glossy monsteras and graceful palms springing from K-Mart wicker baskets, and monkey-face vines dripping from 70s style macramé hanging holders, a welcoming living contrast to the corpse-like stiff white sofas and blond-wood coffee tables sporting one unopened book on racial feminism, and a matching Bridgerton teacup and saucer with a (fat-free, sugar-free, flavour-free) biccy on the side. 

Most of the social media plant groups are welcoming and fun, with followers only too happy to drop a like for a blurry, underexposed picture of a new leaf unfurling (taken with green fingers that are a-tremble with expectant-parent anticipation), or to give you advice as to why your new two hundred dollar hoya has suddenly decided to abandon all its leaves and rebrand itself as a defiant, naked stalk. They can identify a plant within seconds or misidentify for days, arguing happily over whether a wee leafling is from a Marble Queen or a Snow Queen and how to tell from the miniscule differences in variegation. 

They’ll congratulate you on an expensive purchase with starry eye emojis and “omg, I’m so happy for you” comments that seethe with gratifying undercurrents of barely hidden envy, and share sad face commiserations when the browning clump you’ve been desperately trying to save finally gives up and becomes compost. 

But some groups are bitchy. They’ll mock you with laughing face emojis if you mistake one species for another, or if you ask what the gorgeous purple flower is growing in your backyard (it was an errant potato, OK, so sue me.) They’ll taunt you for overspending on a wish list plant because they found the same one thirty dollars cheaper from Mitre 10 just yesterday. They’ll impatiently remind you to “search the group before you post, we’ve identified the same variety of Clambering Curly Pubus twice in the past month, c’mon guys, stop wasting everyone’s time”. Some threads disintegrate into insults, fights and banishment. There’s none so vicious as a maligned plant person. It’s quite entertaining.

Right now, variegated foliage is all the rage. Stripe, spots and splotches; leaves that are half white and half green, or resplendent in pink, purple and cream. People will pay thousands of dollars for a blotchy monstera that looks as though it’s been finger painted by a toothpaste wielding toddler. Nobody seems to care about flowers except the strident orchid-growing die-hards who refuse to face the fact that there are around 27,000 species of orchid in the world which renders them Not That Fucking Special. 

Cacti and succulents are always fashionable. They’re easy to propagate and care for, growing best when you forget all about them. Anxious people caught up in uncontrollable global events either want plants that look after themselves – or conversely – require needy dependants to fuss over, like those humidity-loving, rainforest natives that burst into flames if given so much as a speck of natural sunshine and dramatically collapse in a sobbing heap when accidentally watered from the tap instead of being gently misted at dawn with filtered water collected by nubile virgins from the Ancient Mountain Springs of Terralee. 

Vines are big too. Post a pic of a COH (that’s a chain of hearts, you noob) or an SOD (a string of dolphins, hello) dangling from your carefully curated bookshelf and you’ll get so many likes you’ll feel like a celebrity yourself.

My needy dirt baby is a golden pothos. I tried to grow a rooted cutting in my aquarium, so I could train it up the wall and create a whole 3D nature riverscape kind of vibe in my kitchen. I hadn’t realised that because it had started in soil, it wanted to stay in damn soil, and the moment it hit the water the roots promptly rotted off. So, I stuck it back in dirt where it rotted some more, until I was left with one yellowing, curled up leaf on a stalk. But to my surprise, the stalk was still firm. It felt like there was life in there somewhere. I chopped half the leaf off and placed the remains carefully back into a wine glass of water. And two days later, there was a root. The sense of achievement was tremendous.

I can’t wait to post a pic.